Bihar Gramin Bank Bheldi IFSC Code

This article focuses on the Bihar Gramin Bank branch located in Bheldi, Saran, Bihar. Understanding the Indian Financial System Code (IFSC) for this specific branch is very important. The IFSC code is a unique identifier used in India for electronic fund transfers like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). It ensures that your money reaches the correct beneficiary account in the right branch safely and efficiently.

Here are the key details for the Bihar Gramin Bank branch in Bheldi:

Bank Name	Bihar Gramin Bank
Branch Name	Bheldi
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100558
Branch Address	Bheldi, SARAN, 841402, 9297955202
Contact Number	9297955202
City	SARAN
District	SARAN
Reason	CHAPRA
Pincode	841402
State	Bihar

Merger Update

Many regional rural banks in Bihar have undergone significant mergers. Specifically, what was once Uttar Bihar Gramin Bank (UBGB) and other regional rural banks have been consolidated under a new structure. Bihar Gramin Bank, sponsored by Punjab National Bank, now uses a unified system. This means that for branches like Bheldi, the IFSC code PUNB0MBGB06 is the valid and official code to use for all financial transactions. It is important to note that any old IFSC codes previously used by Uttar Bihar Gramin Bank or similar regional rural banks for these merged branches are now revoked and are no longer valid for transactions. Always use the new, updated IFSC code for accurate fund transfers.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alpha-numeric code. It uniquely identifies every bank branch participating in electronic funds transfers within India. This code is crucial for ensuring that your money is sent to the correct bank and branch.

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, which is the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always a zero (0). This character is reserved for future use and helps distinguish bank codes from branch codes.
• The last six characters identify the specific bank branch. In the case of PUNB0MBGB06, MBGB06 refers to the Bheldi branch of Bihar Gramin Bank.

How to Use an IFSC Code

Using the IFSC code is a simple but critical step when performing electronic fund transfers. Here’s how you typically use it for NEFT, RTGS, and IMPS transactions:

1. Gather Beneficiary Details: You will need the beneficiary’s full name, account number, and the bank branch’s IFSC code.
2. Initiate Transfer: Log in to your internet banking portal or mobile banking app, or visit your bank branch to fill out a transfer form.
3. Enter IFSC Code: Carefully input the 11-character IFSC code, PUNB0MBGB06, into the designated field. Double-check for any typos.
4. Verify Details: The system will usually automatically populate the bank name and branch name once you enter a correct IFSC code. Confirm that these details match the beneficiary’s bank and branch.
5. Enter Amount: Specify the amount you wish to transfer.
6. Complete Transaction: Confirm all details and proceed with the transfer.

Always verify the IFSC code with the beneficiary to avoid any errors, as an incorrect code could lead to delays or even a transfer to the wrong account.

Benefits of Knowing Your IFSC Code

Having easy access to the correct IFSC code for your bank branch offers several key advantages:

• Secure Transfers: It ensures your funds are transferred securely to the correct beneficiary bank and branch.
• Faster Processing: Correct IFSC codes lead to quicker processing of NEFT, RTGS, and IMPS transactions, reducing delays.
• Unique Identification: Each branch has a unique IFSC, eliminating confusion between branches of the same bank.
• Prevents Errors: Using the precise IFSC significantly reduces the chances of errors in financial transactions.
• Essential for Online Banking: It’s a mandatory detail for setting up beneficiaries and making online fund transfers.

Contact Information

For inquiries or assistance regarding the Bihar Gramin Bank Bheldi branch, you can use the following contact details:

• Branch Phone Number: 9297955202
• Branch Address: Bheldi, SARAN, 841402
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Here are some frequently asked questions about the Bihar Gramin Bank Bheldi branch and its IFSC code:

Q1: What is the IFSC code for Bihar Gramin Bank Bheldi branch?
A1: The IFSC code for Bihar Gramin Bank Bheldi branch is PUNB0MBGB06.

Q2: Is the old IFSC code for this branch still valid after the bank mergers?
A2: No, any old IFSC codes previously used for similar regional rural banks in Bihar for these merged branches are now revoked. Only the new Punjab National Bank-sponsored IFSC code, PUNB0MBGB06, is valid for all transactions.

Q3: Can I use PUNB0MBGB06 for both NEFT and RTGS transactions?
A3: Yes, the IFSC code PUNB0MBGB06 is valid for all types of electronic fund transfers, including NEFT, RTGS, and IMPS, for the Bheldi branch.

Q4: What happens if I accidentally enter a wrong IFSC code during a transaction?
A4: Entering an incorrect IFSC code can cause your transaction to fail or, in some rare cases, might lead to the funds being credited to a different account if the incorrect code corresponds to another valid branch. Always double-check the IFSC code before confirming any transfer.

Q5: How can I find the IFSC code for other Bihar Gramin Bank branches?
A5: You can usually find the IFSC code on your bank passbook, cheque book, through your bank’s official website, or by using your internet banking or mobile banking application. The Reserve Bank of India (RBI) website also lists all valid IFSC codes.