Bihar Gramin Bank Bariahi IFSC Code

The Bariahi branch of Bihar Gramin Bank is an important financial hub for the community in Saharsa, Bihar. Located in the Bariahi area, with the pincode 852110, it serves the local residents’ banking needs. For anyone looking to send or receive money from this branch, understanding its Indian Financial System Code (IFSC) is crucial. The IFSC acts like a unique digital address for bank branches, making sure that your money transfers through systems like NEFT, RTGS, and IMPS go to the right place quickly and securely.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Bariahi
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100712
Branch Address	Bariahi, SAHARSA, 852110, 9297954233
Contact Number	9297954233
City	SAHARSA
District	SAHARSA
Region	SAHARSA
Pincode	852110
State	Bihar

Merger Update

While this branch is known as Bihar Gramin Bank Bariahi, it uses the IFSC code PUNB0MBGB06. This specific code reflects a significant change in the regional rural banking landscape in Bihar. Historically, there were different regional rural banks like Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These banks, along with others, have undergone mergers to create a more unified banking structure.

Today, many of these regional rural banks operate under a consolidated framework, often sponsored by larger public sector banks like Punjab National Bank (PNB). The IFSC code PUNB0MBGB06 is now standard for a wide network of these branches, including the Bariahi branch, aligning them under a common system. It is very important to note that any old IFSC codes previously used by individual branches of banks like UBGB or DBGB have been revoked. For all your financial transactions, only the new, updated IFSC code PUNB0MBGB06 is valid and should be used.

What is an IFSC Code?

The IFSC, or Indian Financial System Code, is an 11-character alphanumeric code. It uniquely identifies every bank branch in India participating in electronic funds transfers. Think of it as a specific address for a bank branch in the digital world. This code helps ensure that when you send money, it reaches the exact branch you intended.

The structure of the IFSC code is straightforward:

• The first four characters represent the bank’s name. For example, “PUNB” stands for Punjab National Bank, the sponsoring bank for this regional rural bank system.
• The fifth character is always a zero (0). This character is reserved for future use and helps maintain the standard 11-character length.
• The last six characters identify the specific branch. For the Bariahi branch, “MBGB06” uniquely points to it within the Madhya Bihar Gramin Bank (MBGB) network under PNB.

How to Use the IFSC Code

Knowing the correct IFSC code is essential for various types of electronic fund transfers. Here’s how you typically use it:

• For NEFT (National Electronic Funds Transfer): When you want to send money using NEFT, you need to provide the recipient’s bank account number, their name, and the IFSC code of their bank branch. The NEFT system processes transactions in batches, usually hourly, on working days.
• For RTGS (Real Time Gross Settlement): If you need to transfer a large amount of money (typically above ₹2 lakh) instantly, RTGS is the preferred method. Like NEFT, it requires the recipient’s account number, name, and the IFSC code. RTGS transactions are processed individually and immediately.
• For IMPS (Immediate Payment Service): IMPS allows you to transfer money instantly, even on holidays and weekends, using a mobile phone. You’ll need the recipient’s mobile number and MMID (Mobile Money Identifier), or their account number and IFSC code.

In all these cases, correctly entering the IFSC code for Bihar Gramin Bank, Bariahi branch (PUNB0MBGB06) is crucial to prevent transaction delays or failures.

Benefits of Knowing the IFSC Code

Having the correct IFSC code at hand offers several advantages:

• It ensures the accurate routing of your electronic fund transfers to the intended bank branch.
• It helps in preventing errors that could lead to funds being sent to the wrong account or getting stuck.
• It facilitates faster transaction processing, especially for immediate transfers like IMPS and real-time transfers like RTGS.
• It is a mandatory requirement for setting up most online banking transactions and third-party payment apps.
• It provides a layer of security by ensuring that funds are directed to a verified bank branch.

Contact Information

For any inquiries or assistance related to the Bihar Gramin Bank, Bariahi branch, you can use the following details:

• Branch Phone Number: 9297954233
• Branch Address: Bariahi, SAHARSA, 852110, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: Is the IFSC code PUNB0MBGB06 for Bihar Gramin Bank Bariahi branch permanent?

A1: Yes, this IFSC code is the current and valid code for the Bariahi branch. While bank codes can change due to mergers or restructuring, this code is stable as part of the unified system under Punjab National Bank for now. Always double-check if you’re unsure, especially for very old transactions.

Q2: Can I use an old IFSC code if I still have it for a branch that merged?

A2: No, you should not use old IFSC codes. As mentioned, old codes previously used by regional rural banks like Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank have been revoked. Using an invalid or old IFSC code will cause your transaction to fail.

Q3: What does the “MBGB” in PUNB0MBGB06 stand for?

A3: “MBGB” typically stands for Madhya Bihar Gramin Bank. This indicates that the Bariahi branch, while known as Bihar Gramin Bank, operates under the framework and standardized codes associated with the Madhya Bihar Gramin Bank network, which is sponsored by Punjab National Bank.

Q4: How can I confirm the IFSC code for another Bihar Gramin Bank branch?

A4: You can confirm IFSC codes through several reliable sources: the bank’s official website, your bank passbook or chequebook, or by contacting the bank’s customer service directly. Online banking portals also usually display the IFSC code for the branches you’ve added as beneficiaries.

Q5: Is there a fee for using NEFT, RTGS, or IMPS with an IFSC code?

A5: While the IFSC code itself doesn’t incur a fee, the bank may charge a service fee for NEFT, RTGS, or IMPS transactions, especially for RTGS which involves larger amounts. Fees can vary depending on the transaction amount and the bank’s policies. Many banks offer NEFT/IMPS for free via online banking.