Bihar Gramin Bank Maker IFSC Code

The Bihar Gramin Bank branch in Maker, located in the Saran district of Bihar, plays an important role for many residents. When you need to send or receive money electronically, especially through systems like NEFT, RTGS, or IMPS, you will need a special code. This code is called the Indian Financial System Code, or IFSC. It ensures your money goes to the correct bank and branch quickly and safely.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Maker
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	108126
Branch Address	Maker, SARAN, 841215
Contact Number	9297955251
City	SARAN
District	SARAN
Reason	CHAPRA
Pincode	841215
State	Bihar

Merger Update

Previously, Bihar had two main regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These banks have since merged and are now known collectively as Bihar Gramin Bank. This unified bank operates under the sponsorship of Punjab National Bank. As a result, all branches of the former UBGB and DBGB now use a single, standardized series of IFSC codes under Punjab National Bank.

For the Maker branch, the correct and active IFSC code is PUNB0MBGB06. It is crucial to understand that any old IFSC codes associated with UBGB or DBGB are no longer valid for transactions. Always use the new PUNB0MBGB06 code for your digital fund transfers to or from the Maker branch.

What is IFSC Code?

The IFSC Code, or Indian Financial System Code, is an 11-character alphanumeric code. It uniquely identifies every bank branch in India that participates in electronic fund transfers. Think of it as a specific address for a bank branch in the digital world. The code is structured in a precise way:

• The first four characters identify the bank. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, which sponsors Bihar Gramin Bank.
• The fifth character is always a zero (0). This character is reserved for future use.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” uniquely points to the Maker branch of Bihar Gramin Bank.

How to Use IFSC Code

Using the IFSC code is simple and essential for most digital banking transactions. Here’s how you generally use it for NEFT, RTGS, and IMPS:

1. Log In: Access your online banking portal or mobile banking app.
2. Select Transfer Option: Choose options like “Fund Transfer,” “NEFT,” “RTGS,” or “IMPS.”
3. Add Beneficiary: If you are sending money to someone for the first time, you will need to add them as a beneficiary. This involves entering their account holder name, account number, and the bank’s IFSC code.
4. Enter Details: Provide the amount you wish to transfer and confirm the beneficiary details, including the PUNB0MBGB06 for Bihar Gramin Bank, Maker branch.
5. Authorize Transaction: Complete the transfer using your transaction password or OTP (One-Time Password).

For NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement), the IFSC code helps route the payment correctly across different banks. For IMPS (Immediate Payment Service), it allows instant transfers using either the account number and IFSC, or a mobile number and MMID (Mobile Money Identifier).

Benefits of Knowing the IFSC Code

Knowing the correct IFSC code for Bihar Gramin Bank, Maker branch, offers several advantages:

• Ensures Accurate Transfers: It guarantees your money reaches the intended recipient’s bank and branch without errors.
• Facilitates Digital Transactions: It is mandatory for online fund transfers such as NEFT, RTGS, and IMPS, enabling fast and efficient money movement.
• Improves Security: By precisely identifying the destination branch, it adds a layer of security, reducing the risk of funds going to the wrong account.
• Saves Time: With the correct IFSC, transactions are processed smoothly, avoiding delays or rejections due to incorrect bank details.
• Universal Identification: It serves as a standard identifier across all banks in India for electronic fund transfers.

Contact Section

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

• Branch Phone Number: 9297955251
• Branch Address: Maker, SARAN, 841215
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Here are some common questions about IFSC codes and Bihar Gramin Bank:

Q1: What if I use an old IFSC code for Bihar Gramin Bank?
A1: If you use an old IFSC code, your electronic fund transfer will likely fail. The banking system will not recognize the old code as valid, and the transaction will be rejected. Always use the current code, PUNB0MBGB06, for the Maker branch.

Q2: Is Bihar Gramin Bank a government bank?
A2: Bihar Gramin Bank is a Regional Rural Bank (RRB). RRBs are government-owned scheduled commercial banks that primarily serve rural areas. They are sponsored by a larger public sector bank, in this case, Punjab National Bank.

Q3: Where can I find the IFSC code for my bank account?
A3: The IFSC code is usually printed on your bank passbook, chequebook (on the leaf), and on your bank’s official website. You can also find it through online IFSC lookup tools by searching for the bank and branch name, or through your mobile banking application.

Q4: What is the difference between an IFSC code and a MICR code?
A4: An IFSC code is used for electronic fund transfers like NEFT, RTGS, and IMPS. A MICR (Magnetic Ink Character Recognition) code, on the other hand, is a 9-digit number printed on cheques. It is used specifically for processing and clearing cheques.

Q5: Is it safe to share my IFSC code?
A5: Yes, it is generally safe to share your IFSC code. It is public information, designed to help identify bank branches for transactions. However, you should never share your account number, PIN, or OTP with anyone, as these are sensitive details that could compromise your account.