Bihar Gramin Bank Ziradei IFSC Code

When you need to send money electronically, understanding the banking details for your recipient’s branch is key. For those banking with Bihar Gramin Bank in Ziradei, Siwan, knowing the correct Indian Financial System Code (IFSC) is essential. This unique code allows you to make seamless fund transfers through popular methods like National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). It ensures your money reaches the right bank and branch account without any delays or errors.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Ziradei
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100852
Branch Address	Ziradei, SIWAN, 841245
Contact Number	9297954454
City	SIWAN
District	SIWAN
Reason	SIWAN
Pincode	841245
State	Bihar

Merger Update

Bihar Gramin Bank has a history of mergers aimed at strengthening rural banking services. If your branch previously belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), it’s important to note that these entities have merged into larger structures, eventually leading to the current Bihar Gramin Bank. This bank is sponsored by Punjab National Bank.

As a result of these mergers, all previous IFSC codes for UBGB and DBGB branches are now revoked and no longer valid for transactions. For any branch under the present Bihar Gramin Bank, including the Ziradei branch, the single, unified IFSC code PUNB0MBGB06 must be used for all electronic fund transfers. Using any old, revoked IFSC code will result in your transaction being rejected.

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 the Reserve Bank of India’s electronic payment system. Think of it as a digital address for a specific bank branch.

The structure of the IFSC code PUNB0MBGB06 can be broken down as follows:

• The first four characters identify the bank. In this case, “PUNB” stands for Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always “0” (zero). This is kept as a control character for future use.
• The last six characters represent the specific branch code. For Ziradei branch, “MBGB06” identifies this particular location.

This standardized format ensures that every branch has a distinct code, making electronic transactions efficient and secure.

How to Use IFSC Code

Using the IFSC code is a straightforward process during electronic fund transfers. Here’s how it works for common services:

• For NEFT (National Electronic Funds Transfer): This service allows you to transfer money from your account to another bank account anywhere in India. When initiating an NEFT transaction through your bank’s online portal or a physical branch form, you will need to provide:
  • The beneficiary’s bank name (Bihar Gramin Bank).
  • The beneficiary’s branch name (Ziradei).
  • The beneficiary’s account number.
  • The correct IFSC code: PUNB0MBGB06.

  NEFT transactions are processed in batches during specific banking hours.

• For RTGS (Real-Time Gross Settlement): RTGS is designed for large-value transactions, typically INR 2 lakhs and above. As the name suggests, transactions are processed individually and in real-time. The information required is similar to NEFT:
  • Beneficiary’s bank name.
  • Beneficiary’s branch name.
  • Beneficiary’s account number.
  • The correct IFSC code: PUNB0MBGB06.

  RTGS is ideal for urgent, high-value transfers where immediate credit is needed.

• For IMPS (Immediate Payment Service): IMPS offers instant, 24/7 fund transfers, even on holidays. It’s often used for smaller, urgent transfers. You can use IMPS via mobile banking apps or internet banking. To initiate an IMPS transfer, you usually need:
  • The beneficiary’s mobile number and MMID (Mobile Money Identifier) OR
  • The beneficiary’s bank account number and the IFSC code: PUNB0MBGB06.

  IMPS is highly convenient for quick transfers any time of day.

Always double-check the IFSC code and account number before confirming any transaction to avoid sending money to the wrong recipient.

Benefits of Knowing IFSC Code

Understanding and knowing the correct IFSC code for your bank or the recipient’s bank offers several practical advantages:

• Facilitates Electronic Transfers: It’s the primary key for all NEFT, RTGS, and IMPS transactions, enabling fast and secure money movement.
• Ensures Accuracy: The unique code helps route funds to the exact branch, significantly reducing the chances of errors during transfers.
• Saves Time: With the correct IFSC, transactions are processed smoothly, avoiding delays that can occur from incorrect banking information.
• Broad Accessibility: It allows you to send or receive money from any bank account in India that participates in the RBI’s electronic payment system.
• Increases Security: The precise identification of bank and branch adds an extra layer of security to financial transactions.
• Convenience: For online banking, once you’ve saved a beneficiary’s details with their IFSC, future transfers become much quicker.

Contact Section

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

• Ziradei Branch Phone Number: 9297954454
• Ziradei Branch Address: Ziradei, SIWAN, PIN-841245, Bihar
• Head Office Address (Bihar Gramin Bank): SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Punjab National Bank Sponsored): 18001807777

FAQs

Here are some common questions about the IFSC code and related banking services:

Q1: Is the IFSC code for Bihar Gramin Bank Ziradei branch always PUNB0MBGB06?

A1: Yes, the IFSC code PUNB0MBGB06 is the official and currently valid code for the Bihar Gramin Bank Ziradei branch for all electronic fund transfers. It replaced any older codes due to mergers and is consistent across all digital payment platforms.

Q2: What should I do if my electronic transfer fails due to an incorrect IFSC code?

A2: If your transaction fails because of an incorrect IFSC code, the funds will usually be reversed to your account within a few hours or one to two business days. You should re-initiate the transfer using the correct IFSC code, PUNB0MBGB06, for the Bihar Gramin Bank Ziradei branch.

Q3: Can I use the IFSC code to find the branch address or contact details?

A3: While the IFSC code helps identify the bank and branch, it does not directly contain the address or contact number within its digits. However, many banking websites and third-party financial portals allow you to search for branch details, including address and contact, by entering the IFSC code.

Q4: Is the MICR code also necessary for online fund transfers?

A4: For online fund transfers like NEFT, RTGS, or IMPS, the MICR (Magnetic Ink Character Recognition) code is generally not required. Its primary use is for processing physical cheques. The IFSC code is the essential identifier for electronic transactions.

Q5: Can I transfer money to a Bihar Gramin Bank account using another bank’s ATM?

A5: Yes, you can typically use an ATM (from any bank) that supports IMPS to transfer money to a Bihar Gramin Bank account. You’ll need the beneficiary’s account number and the correct IFSC code (PUNB0MBGB06) for the Ziradei branch.