Bihar Gramin Bank Aloni IFSC Code

This article focuses on the Bihar Gramin Bank branch located in Aloni, in the Saran district of Bihar. Understanding the Indian Financial System Code (IFSC) for this branch is crucial for any digital money transfers. Whether you’re sending money through National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS), the correct IFSC code ensures your funds reach the intended recipient without delay or error. It acts like a unique address for each bank branch in India, making secure and efficient financial transactions possible.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Aloni
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100598
Branch Address	Aloni, SARAN, 841411, 9297955188
Contact Number	9297955188
City	SARAN
District	SARAN
Reason	CHAPRA
Pincode	841411
State	Bihar

Merger Update

Please note an important change regarding Bihar Gramin Bank. Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have merged to form Bihar Gramin Bank. This new entity now operates under the sponsorship of Punjab National Bank. As a result of this merger, all bank branches, including Aloni, use a standardized IFSC code format. The current and only valid IFSC code for Bihar Gramin Bank branches, such as the Aloni branch, is PUNB0MBGB06. It is critical to understand that any old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches are now revoked and are no longer valid for transactions. Always use the new IFSC code, PUNB0MBGB06, for all your fund transfers to ensure they are processed correctly.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies every bank branch participating in online money transfers within India. Think of it as a specific digital address for each bank branch.

Here’s how the 11 characters are structured:

• The first four characters represent the bank’s name. For Bihar Gramin Bank’s new IFSC, “PUNB” stands for Punjab National Bank, its sponsoring bank.
• The fifth character is always a ‘0’ (zero). This is kept as a control character for future use by the Reserve Bank of India.
• The last six characters represent the specific branch code. For the Aloni branch, “MBGB06” identifies it within Bihar Gramin Bank’s system.

This unique code ensures that when you send money online, it goes to the correct bank and the right branch.

How to Use IFSC Code

Using the IFSC code is simple and essential for various online fund transfer methods. Here’s a step-by-step guide:

For NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement):

1. Log in to your bank’s online banking portal or mobile app.
2. Go to the ‘Fund Transfer’ or ‘Payments’ section.
3. Select ‘NEFT’ or ‘RTGS’ as your transfer type.
4. Add a new beneficiary or select an existing one.
5. Enter the beneficiary’s details: name, account number, and the correct IFSC code (PUNB0MBGB06 for Bihar Gramin Bank Aloni).
6. Enter the amount you wish to transfer.
7. Review all details carefully and confirm the transaction.

For IMPS (Immediate Payment Service):

1. Log in to your bank’s mobile banking app or internet banking.
2. Select ‘IMPS’ for immediate transfer.
3. You might have options like ‘IMPS using Account No. + IFSC’ or ‘IMPS using Mobile No. + MMID’. Choose the account number option.
4. Enter the beneficiary’s account number and the IFSC code (PUNB0MBGB06).
5. Input the transfer amount.
6. Confirm the transaction after checking all details.

Benefits of Knowing the IFSC Code

Knowing the correct IFSC code for your bank branch offers several important benefits:

• Enables Digital Transfers: It is mandatory for online money transfers like NEFT, RTGS, and IMPS, allowing you to send or receive funds electronically.
• Ensures Accuracy: The unique code ensures that your money is transferred to the precise bank branch you intend, minimizing the risk of funds going to the wrong account.
• Facilitates Speedy Transactions: By accurately identifying the destination branch, the IFSC code helps in faster processing of inter-bank transfers.
• Enhances Security: It adds an extra layer of verification, making online transactions more secure and traceable.
• Simplifies Payments: Many online payment platforms and billing systems require an IFSC code for setting up direct debit mandates or receiving refunds.

Contact

For assistance with Bihar Gramin Bank Aloni branch, you can use the following contact information:

• Branch Phone Number: 9297955188
• Branch Address: Aloni, SARAN, 841411, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

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

Q2: Can I use an old IFSC code from Uttar Bihar Gramin Bank for the Aloni branch?
A2: No, you cannot. Following the merger, all old IFSC codes from Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank have been revoked. You must use the new code, PUNB0MBGB06, for all transactions.

Q3: What happens if I enter an incorrect IFSC code during a fund transfer?
A3: If you enter an incorrect IFSC code, your transaction will likely fail. The banking system will detect that the code does not match the beneficiary’s bank and branch, and the transfer will not be processed. This helps prevent funds from being sent to the wrong place.

Q4: Is Bihar Gramin Bank a government bank?
A4: Bihar Gramin Bank is a Regional Rural Bank (RRB) jointly owned by the Government of India, the Government of Bihar, and Punjab National Bank. Punjab National Bank is its sponsoring bank.

Q5: How can I find the IFSC code for other Bihar Gramin Bank branches?
A5: You can typically find the IFSC code on your bank passbook or chequebook. Alternatively, you can visit the official website of Bihar Gramin Bank or Punjab National Bank, or use reliable online IFSC code lookup tools by entering the bank name, state, district, and branch name.