Bihar Gramin Bank Ujiarpur IFSC Code

When you need to send money to the Bihar Gramin Bank Ujiarpur branch, knowing the correct Indian Financial System Code (IFSC) is very important. This unique code helps direct your funds accurately for transactions like National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). Without it, your transfer might face delays or even fail. The Ujiarpur branch is a key financial point in the Samastipur district of Bihar, serving its local community with essential banking services.

Bihar Gramin Bank Ujiarpur Branch Details

Here are the specific details for the Bihar Gramin Bank’s Ujiarpur branch, which you’ll need for various banking activities.

Bank Name	Bihar Gramin Bank
Branch Name	Ujiarpur
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3966
Branch Address	Ujiarpur, Samastipur, 848132, 9955997875
Contact Number	9955997875
City	Samastipur
District	Samastipur
Reason	SAMASTIPUR
Pincode	848132
State	Bihar

Merger Update for Bihar Gramin Bank

The current Bihar Gramin Bank is the result of a significant merger. Previously, there were two distinct regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two entities merged to form the single Bihar Gramin Bank. This new, combined bank now operates under the sponsorship of Punjab National Bank (PNB).

Because of this merger and the new sponsorship, all branches of the Bihar Gramin Bank, including Ujiarpur, now use a unified IFSC code structure. The IFSC code for the Ujiarpur branch, PUNB0MBGB06, clearly shows this. The prefix "PUNB" indicates its association with Punjab National Bank. It is crucial to understand that any old IFSC codes previously used by UBGB or DBGB branches are now revoked and invalid. For any financial transactions, you must use the new, active IFSC code starting with "PUNB".

What is an IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alpha-numeric code that uniquely identifies all bank branches participating in the NEFT system. Think of it like a digital address for a specific bank branch. Its structure helps ensure money goes to the exact right location.

• The first four characters represent the bank’s name. For instance, in PUNB0MBGB06, "PUNB" stands for Punjab National Bank, the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always a zero (0). This character is reserved for future use and remains constant across all IFSC codes.
• The last six characters are numerical and identify the specific bank branch. In this case, "MBGB06" pinpoints the Ujiarpur branch within the Bihar Gramin Bank network.

This organized structure helps the banking system quickly and accurately route electronic fund transfers.

How to Use an IFSC Code

Using the IFSC code is a straightforward process when you’re making an electronic fund transfer. Whether you’re using NEFT, RTGS, or IMPS, the steps are largely similar:

1. Log in to your online banking portal or mobile banking app: Access the section for fund transfers or remittances.
2. Select the type of transfer: Choose between NEFT, RTGS, or IMPS, depending on the amount and urgency of your transfer.
3. Add a new beneficiary: If you haven’t sent money to this person or account before, you will need to add them as a new beneficiary.
4. Enter beneficiary details:
   • Beneficiary Name (the account holder’s full name)
   • Beneficiary Account Number (double-check this carefully)
   • Beneficiary Bank Name (e.g., Bihar Gramin Bank)
   • Beneficiary Bank’s IFSC Code (PUNB0MBGB06 for Ujiarpur branch)
   • Confirm Beneficiary Account Number (usually entered twice to reduce errors)
5. Verify and Confirm: After entering all details, review them one last time for accuracy. Any mistake in the IFSC or account number can lead to funds being sent to the wrong account or the transaction failing.
6. Enter the amount: Specify how much money you wish to send.
7. Complete the transaction: Authorize the payment using your security credentials (e.g., OTP, transaction password).

Benefits of Knowing the IFSC Code

Having the correct IFSC code at hand offers several important benefits:

• Accurate Fund Transfers: Ensures your money reaches the intended beneficiary’s bank branch without errors.
• Faster Processing: Correct codes allow for quicker routing and processing of NEFT, RTGS, and IMPS transactions.
• Prevents Transaction Failures: Incorrect or outdated IFSC codes are a common reason for fund transfers to be rejected.
• Security: It adds an extra layer of verification, making electronic transactions more secure.
• Interbank Transactions: Essential for any transaction involving transfers between different banks.

Contact Information

If you need to get in touch with the Bihar Gramin Bank Ujiarpur branch or their head office, here are the details:

• Branch Phone Number: 9955997875
• Branch Address: Ujiarpur, Samastipur, 848132
• 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 still valid for Bihar Gramin Bank Ujiarpur branch?
A1: Yes, PUNB0MBGB06 is the current and valid IFSC code for the Bihar Gramin Bank Ujiarpur branch. It reflects the bank’s operation under Punjab National Bank’s sponsorship after the merger of Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank.

Q2: What happens if I use an old IFSC code for Bihar Gramin Bank?
A2: If you use an old IFSC code from the pre-merger banks (Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank), your transaction will likely fail. The banking system recognizes only the new, updated IFSC codes, which now begin with "PUNB."

Q3: Can I find the IFSC code on my passbook?
A3: Most bank passbooks or cheque books will have the IFSC code printed on them. However, with bank mergers, it’s always a good idea to confirm the latest code, especially if your passbook is old. The official bank website or a direct call to the branch can also confirm it.

Q4: What is the difference between IFSC and MICR codes?
A4: An IFSC (Indian Financial System Code) is an 11-character code used primarily for electronic fund transfers like NEFT, RTGS, and IMPS. A MICR (Magnetic Ink Character Recognition) code is a 9-digit code found at the bottom of cheque leaves. It is mainly used for processing cheques and is read by machines.

Q5: Is it safe to share the IFSC code with someone?
A5: Yes, it is generally safe to share your bank’s IFSC code. The IFSC code only helps route funds to your account; it does not give anyone access to withdraw money. However, always be cautious about sharing your account number and other personal banking details.