Bihar Gramin Bank Ramraipur IFSC Code

The Bihar Gramin Bank branch in Ramraipur, Sheikhpura, Bihar, serves an important role for the local community. When you need to send or receive money electronically, especially for transactions like NEFT, RTGS, or IMPS, understanding the branch’s Indian Financial System Code (IFSC) is essential. This unique code acts like a digital address, ensuring your funds reach the correct bank and branch without errors.

Branch Details Table

Here are the key details for the Bihar Gramin Bank, Ramraipur branch:

Bank Name	Bihar Gramin Bank
Branch Name	Ramraipur
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3323
Branch Address	Ramraipur, Sheikhpura, 811105, 7061383156
Contact Number	7061383156
City	Sheikhpura
District	Sheikhpura
Reason	NAWADA
Pincode	811105
State	Bihar

Merger Update

Bihar Gramin Bank is a Regional Rural Bank (RRB) sponsored by Punjab National Bank. To simplify and standardize electronic banking across all its branches, a unified IFSC code, PUNB0MBGB06, has been adopted. This means that if you previously used a different IFSC code for any Bihar Gramin Bank branch, those old codes are now invalid for electronic fund transfers. All NEFT, RTGS, and IMPS transactions to any Bihar Gramin Bank branch, including Ramraipur, must now exclusively use PUNB0MBGB06. This measure ensures consistency and efficiency in digital transactions throughout the bank’s network under the Punjab National Bank sponsorship.

What is an IFSC Code?

An IFSC code stands for Indian Financial System Code. It is a unique 11-character alphanumeric code used to identify all bank branches participating in electronic funds transfer systems in India. This code is crucial for ensuring that money sent via online banking reaches the correct recipient’s bank account and specific branch. The structure of the IFSC code is as follows:

• The first four characters identify the bank. For PUNB0MBGB06, “PUNB” represents Punjab National Bank, the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always a ‘0’ (zero). This is kept as a control character for future use.
• The last six characters identify the specific branch. In our case, “MBGB06” uniquely points to the particular branch within the Bihar Gramin Bank network.

So, the code PUNB0MBGB06 precisely directs funds to the correct Bihar Gramin Bank branch, such as Ramraipur, under the Punjab National Bank’s system.

How to Use an IFSC Code

Using an IFSC code is straightforward when performing electronic fund transfers. Here are the typical steps:

1. Log in to your banking platform: Access your net banking portal or mobile banking application.
2. Select the transfer type: Choose the type of transaction you want to make, such as NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), or IMPS (Immediate Payment Service).
3. Add a new beneficiary: If you haven’t transferred money to this account before, you will need to add the recipient as a new beneficiary. You’ll typically be asked for:
   • The beneficiary’s name.
   • Their bank account number.
   • The IFSC code of their bank branch (PUNB0MBGB06 for Ramraipur).
   • The beneficiary’s bank name and branch name might auto-fill once you enter the IFSC.
4. Confirm beneficiary details: After adding, you might need to confirm the details, sometimes with an OTP (One-Time Password) for security.
5. Initiate the transfer: Once the beneficiary is added, select them, enter the amount you wish to transfer, and confirm the transaction. The IFSC code ensures your money goes to the correct Bihar Gramin Bank branch, like Ramraipur.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch, or for the recipient’s branch, offers several important benefits:

• It ensures that funds are transferred to the exact recipient’s bank branch, preventing misdirection.
• It makes electronic fund transfers like NEFT, RTGS, and IMPS faster and more efficient.
• The standardized code helps in automating the processing of transactions across different banks.
• It significantly reduces the chances of errors in bank transfers, which can otherwise lead to delays or lost funds.
• It enables individuals and businesses to make secure financial transactions across different banks and geographical locations within India.

Contact Information

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

• Branch Phone Number: 7061383156
• Branch Address: Ramraipur, Sheikhpura, 811105
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

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

Q2: Is PUNB0MBGB06 valid for all Bihar Gramin Bank branches?
A2: Yes, PUNB0MBGB06 is the unified IFSC code for all branches of Bihar Gramin Bank, replacing any older branch-specific codes.

Q3: Can I still use an old IFSC code for a Bihar Gramin Bank branch?
A3: No, older IFSC codes for Bihar Gramin Bank are no longer valid for electronic fund transfers. You must use the unified code PUNB0MBGB06 for all transactions.

Q4: What types of transactions require an IFSC code?
A4: An IFSC code is required for electronic fund transfers such as NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service).

Q5: How can I find the IFSC code if I don’t have it readily available?
A5: You can typically find the IFSC code on your bank passbook, cheque book, bank statement, or by visiting the official website of Bihar Gramin Bank or its sponsoring bank, Punjab National Bank.