Bihar Gramin Bank Gurmia IFSC Code

When you need to send or receive money to the Bihar Gramin Bank branch in Gurmia, Vaishali, it’s essential to have the correct IFSC code. This code is crucial for digital fund transfers like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). It ensures your money goes to the right bank and branch quickly and securely, preventing any delays or errors in your transactions.

Branch Details Table

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

Bank Name	Bihar Gramin Bank
Branch Name	Gurmia
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100099
Branch Address	Gurmia, VAISHALI, 844117, 9297954988
Contact Number	9297954988
City	VAISHALI
District	VAISHALI
Reason	HAJIPUR
Pincode	844117
State	Bihar

Merger Update

Bihar Gramin Bank was formed from the merger of two important regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This merger brought these banks together under the sponsorship of Punjab National Bank. As a result, all branches, including Gurmia, now operate under a unified system. For any financial transactions, it is critical to use the new, standardized IFSC code. The old IFSC codes previously used for Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) branches are no longer valid. For the Gurmia branch, the only valid IFSC code is PUNB0MBGB06.

What is IFSC Code?

The Indian Financial System Code, or IFSC, is an 11-character alphanumeric code. It uniquely identifies every bank branch in India that participates in electronic fund transfers. Understanding its structure can help you double-check the code’s accuracy:

• The first four characters represent the bank’s name. For Bihar Gramin Bank, sponsored by Punjab National Bank, this is usually ‘PUNB’.
• 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 Gurmia branch, these are ‘MBGB06’.

So, the IFSC code PUNB0MBGB06 breaks down as: PUNB (bank identifier) + 0 (control character) + MBGB06 (Gurmia branch identifier).

How to Use IFSC Code

Using the IFSC code is a straightforward process when you are making online fund transfers:

1. Log In: Access your bank’s internet banking portal or mobile banking app.
2. Select Transfer Option: Choose the option for fund transfer, usually labeled ‘NEFT’, ‘RTGS’, or ‘IMPS’.
3. Add Beneficiary: If you’re sending money to a new person, you’ll need to add them as a beneficiary first. This involves providing their details.
4. Enter Details: You will be prompted to enter the beneficiary’s name, their bank account number, and the correct IFSC code for their branch (in this case, PUNB0MBGB06 for Gurmia).
5. Confirm and Transact: After entering the amount you wish to transfer, review all the details carefully to ensure accuracy. Then, confirm the transaction. Your bank will process the transfer using the IFSC code to direct the funds to the correct branch.

Always verify the IFSC code with the beneficiary to avoid sending money to the wrong account.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code offers several important benefits for secure and efficient banking:

• Secure Fund Transfers: It ensures that your money reaches the intended recipient’s bank account and specific branch without errors.
• Faster Transactions: NEFT, RTGS, and IMPS transactions rely on IFSC codes for quick processing, allowing funds to be moved rapidly.
• Easy Online Banking: Facilitates seamless online banking activities, making it convenient to send and receive money from anywhere.
• Identification: Acts as a unique identifier for any bank branch across India, simplifying the process of locating a specific branch for transactions.
• Fraud Prevention: Helps in reducing the chances of fraud by ensuring precise routing of funds.

Contact Section

If you have any questions or need assistance regarding the Bihar Gramin Bank Gurmia branch, you can reach out using the following contact details:

• Branch Phone Number: 9297954988
• Branch Address: Gurmia, VAISHALI, 844117
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Here are some frequently asked questions about the Bihar Gramin Bank Gurmia IFSC code:

Q1: What does IFSC stand for?
A1: IFSC stands for Indian Financial System Code. It’s a unique 11-character code used to identify bank branches for electronic fund transfers.

Q2: Is the IFSC code PUNB0MBGB06 valid for all Bihar Gramin Bank branches?
A2: No, the IFSC code PUNB0MBGB06 is specific to the Gurmia branch of Bihar Gramin Bank. Each branch has its own unique IFSC code. You should always confirm the correct code for the specific branch you are dealing with.

Q3: What should I do if I used an old IFSC code for a merged bank?
A3: If you used an old IFSC code (from UBGB or DBGB) for a transaction that failed, the money would likely be returned to your account. You must always use the updated and correct IFSC code, such as PUNB0MBGB06 for the Gurmia branch, for any future transactions.

Q4: Is the MICR code also important for online transfers?
A4: The MICR (Magnetic Ink Character Recognition) code is primarily used for clearing physical cheques. While it’s useful to know, it is generally not required for NEFT, RTGS, or IMPS online fund transfers. For online transfers, the IFSC code is the essential identifier.

Q5: How can I find the IFSC code for other Bihar Gramin Bank branches?
A5: You can find the IFSC code for other branches on the bank’s official website, your chequebook, or by using online banking portals that offer an IFSC lookup tool. It’s always best to verify the code directly with the bank or the intended recipient.