Bihar Gramin Bank Chhapia IFSC Code

If you’re in Chhapia, a town within the Saran district of Bihar, and need to send or receive money through Bihar Gramin Bank, understanding your bank’s IFSC code is essential. This unique code acts like a digital address, making sure your money goes to the right place quickly when you use services like National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS). Without the correct IFSC code, these digital fund transfers cannot be completed, leading to delays or even transaction failures.

Bihar Gramin Bank Chhapia Branch Details

Here are the specific details for the Bihar Gramin Bank branch located in Chhapia, Saran, Bihar:

Bank Name	Bihar Gramin Bank
Branch Name	Chhapia
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100612
Branch Address	Chhapia, SARAN, 841417
Contact Number	9297955211
City	SARAN
District	SARAN
Reason	CHAPRA
Pincode	841417
State	Bihar

Merger Update for Bihar Gramin Bank

Bihar Gramin Bank was formed from the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both banks now operate under the unified name Bihar Gramin Bank. This new entity is sponsored by Punjab National Bank. This merger means that all branches, including Chhapia, now use a single, standardized IFSC code: PUNB0MBGB06.

It’s very important to note that any old IFSC codes previously used for Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches are now invalid. For any financial transactions, especially NEFT, RTGS, or IMPS, you must use the new and current IFSC code PUNB0MBGB06. Using an outdated code will lead to your transaction being rejected or delayed.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code. It uniquely identifies every bank branch participating in online money transfers in India. Think of it as a specific address for a bank branch within the digital banking system. Here’s how it breaks down:

• The first four characters represent the bank name. For Bihar Gramin Bank, this is “PUNB” because it is sponsored by Punjab National Bank and its IFSC codes are structured under PNB’s umbrella.
• The fifth character is always “0” (zero). This is a control character reserved for future use.
• The last six characters identify the specific branch. For the Chhapia branch, these are “MBGB06”, making the full code PUNB0MBGB06.

How to Use the IFSC Code

Using the IFSC code is simple once you know it. Here’s how it’s typically used for common fund transfer methods:

1. For NEFT (National Electronic Funds Transfer): This system processes transactions in batches. When initiating an NEFT transfer through your bank’s app, website, or at a branch, you will need to enter the beneficiary’s bank name (Bihar Gramin Bank), the branch name (Chhapia), the beneficiary’s account number, and the correct IFSC code (PUNB0MBGB06).
2. For RTGS (Real-Time Gross Settlement): RTGS processes transactions individually and instantly, usually for larger amounts. Similar to NEFT, you’ll provide the beneficiary’s bank, branch, account number, and the IFSC code PUNB0MBGB06 to ensure the real-time transfer is directed correctly.
3. For IMPS (Immediate Payment Service): IMPS allows instant, 24/7 fund transfers, even on holidays. When using IMPS via mobile banking or internet banking, you will input the beneficiary’s account number, their bank’s name, and the IFSC code PUNB0MBGB06. Sometimes, you might use a mobile number and MMID instead, but the IFSC code remains crucial for direct account transfers.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for Bihar Gramin Bank Chhapia branch offers several practical advantages:

• Ensures Accurate Transfers: It guarantees that your money reaches the intended recipient’s bank branch without errors.
• Facilitates Online Transactions: It is a mandatory requirement for initiating online fund transfers like NEFT, RTGS, and IMPS.
• Speeds Up Processes: Using the correct code helps process transactions quickly and efficiently, avoiding delays.
• Avoids Transaction Failures: An incorrect or outdated IFSC code can lead to a failed transaction, requiring you to re-initiate the transfer.
• Safe and Secure: It is part of the robust system designed by the Reserve Bank of India to ensure secure digital banking.

Contact Information

If you need to get in touch with the Bihar Gramin Bank Chhapia branch or the bank’s head office, here are the details:

• Chhapia Branch Phone Number: 9297955211
• Chhapia Branch Address: Chhapia, SARAN, 841417, Bihar
• Bihar Gramin Bank 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 only for the Chhapia branch?
A1: No, PUNB0MBGB06 is the unified IFSC code for all branches of Bihar Gramin Bank. Due to the merger of Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank, a single IFSC code is now used across all its branches, sponsored by Punjab National Bank.

Q2: What happens if I use an old IFSC code for a Bihar Gramin Bank branch?
A2: Using an old or incorrect IFSC code for your transaction will likely cause it to fail. The money will either be returned to your account, or the bank will flag it for correction. Always use the current, valid IFSC code, which is PUNB0MBGB06 for Bihar Gramin Bank, to avoid delays.

Q3: How can I confirm the IFSC code for Bihar Gramin Bank Chhapia?
A3: The most reliable ways to confirm the IFSC code are by checking your bank passbook, visiting the official website of Bihar Gramin Bank or Punjab National Bank (its sponsor bank), or contacting the branch directly using the provided phone number. Our given code, PUNB0MBGB06, is the correct and current one.

Q4: Can I use the IFSC code for international money transfers?
A4: No, the IFSC code is specifically for domestic fund transfers within India. For international transfers, you would typically need a SWIFT (Society for Worldwide Interbank Financial Telecommunication) code, which is a different identification system for global transactions.

Q5: Is the MICR code also important for online transfers?
A5: While the IFSC code is essential for online fund transfers (NEFT, RTGS, IMPS), the MICR (Magnetic Ink Character Recognition) code is primarily used for processing physical cheques. It helps in the fast and accurate clearing of cheques.