Bihar Gramin Bank Dongra Hat IFSC Code

The Dongra Hat branch of Bihar Gramin Bank is located in Vaishali, Bihar. This branch plays a vital role for residents and businesses in the area, offering essential banking services. For any electronic fund transfers like NEFT, RTGS, or IMPS, knowing the correct Indian Financial System Code (IFSC) for this specific branch is crucial. This unique code ensures your money reaches the right bank and branch account quickly and securely.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Dongra Hat
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100100
Branch Address	Dongra Hat, VAISHALI, 844139
Contact Number	9297954982
City	VAISHALI
District	VAISHALI
Reason	HAJIPUR
Pincode	844139
State	Bihar

Merger Update

For those who previously banked with Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), it’s important to be aware of a significant change. Both of these regional rural banks have undergone a merger. As a result of this consolidation, they now operate under a unified structure, and the IFSC codes have been updated to reflect this change.

The new, consolidated IFSC code for branches that were part of these merged entities, and are now sponsored by Punjab National Bank, is PUNB0MBGB06. This means if you had an old IFSC code for a UBGB or DBGB branch, those codes are no longer valid for transactions. To ensure your fund transfers go through successfully, you must use only the new IFSC code, PUNB0MBGB06, for all electronic transactions.

What is an IFSC Code?

The IFSC Code stands for Indian Financial System Code. It’s a unique 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify individual bank branches participating in electronic fund transfers. Think of it like a digital address for a bank branch.

The code has a specific structure:

• The first four characters represent the bank’s name. For example, “PUNB” indicates Punjab National Bank.
• The fifth character is always a zero (0). This character is reserved for future use and helps distinguish the bank code from the branch code.
• The last six characters identify the specific branch. In our case, “MBGB06” points to the Dongra Hat branch under the Madhya Bihar Gramin Bank umbrella, sponsored by PNB.

This standardized structure ensures accuracy and minimizes errors when processing large volumes of financial transactions across different banks and branches.

How to Use the IFSC Code

Using the IFSC code is a straightforward process when you’re transferring money electronically. Here’s how it generally works for different types of transactions:

• For NEFT (National Electronic Funds Transfer):

  When initiating an NEFT transaction, you’ll need the beneficiary’s bank account number, their name, and the correct IFSC code (PUNB0MBGB06 for Dongra Hat). This system is typically used for smaller, non-urgent transfers and processes transactions in batches.

• For RTGS (Real Time Gross Settlement):

  RTGS is designed for large-value, urgent transfers. Similar to NEFT, you’ll enter the beneficiary’s account number, name, and the IFSC code (PUNB0MBGB06). RTGS transactions are processed individually and in real-time, meaning the funds are transferred almost immediately.

• For IMPS (Immediate Payment Service):

  IMPS allows for instant, 24/7 fund transfers, even on holidays. You can use IMPS through mobile banking or internet banking. You’ll typically need the beneficiary’s mobile number and their MMID (Mobile Money Identifier), or their bank account number and the IFSC code (PUNB0MBGB06). It’s a convenient option for quick transfers at any time.

Always double-check the IFSC code, account number, and beneficiary name before confirming any transaction to avoid delays or incorrect transfers.

Benefits of Knowing the IFSC Code

Knowing the correct IFSC code for your bank branch, or for someone you’re sending money to, offers several important benefits:

• Accurate Fund Transfers: It ensures your money goes to the exact intended recipient and bank branch, reducing the risk of transfer failures or funds going to the wrong account.
• Faster Transactions: With the correct IFSC, electronic fund transfers like NEFT, RTGS, and IMPS are processed efficiently, allowing for quick movement of money.
• Secure Transactions: The unique code adds a layer of security, as it precisely identifies the destination branch, making the transfer process more reliable.
• Nationwide Access: It enables you to send or receive money from any bank branch in India that participates in the RBI’s electronic transfer systems.
• Essential for Online Banking: If you use internet banking or mobile banking, the IFSC code is a mandatory detail for setting up beneficiaries and initiating transfers.
• Bill Payments and EMI: Many online bill payment systems or EMI setups require an IFSC code to link your bank account for automatic deductions.

Contact Information

If you need to get in touch with the bank or have further questions, here are the relevant contact details:

• Dongra Hat Branch Phone Number: 9297954982
• Dongra Hat Branch Address: Dongra Hat, VAISHALI, 844139
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (General Enquiries): 18001807777

FAQs

Here are some common questions about IFSC codes and their use:

Q1: Is the IFSC code the same for all branches of Bihar Gramin Bank?
No, the IFSC code is unique to each specific bank branch. While the first four characters (e.g., PUNB) will be the same for branches sponsored by the same bank (Punjab National Bank in this case), the last six characters will differ for each individual branch.

Q2: What should I do if I enter a wrong IFSC code during a transaction?
If the entered IFSC code doesn’t match the beneficiary’s bank and branch, the transaction will likely be rejected automatically by the system. However, if the wrong IFSC code corresponds to a valid but incorrect branch, the funds might be credited to a different account. Always verify all details before confirming to avoid such issues. If an error occurs, contact your bank immediately.

Q3: Can I find the IFSC code on my chequebook?
Yes, the IFSC code is typically printed on your chequebook. You can usually find it on the top left corner of the cheque leaf, next to the bank name and branch address.

Q4: Is the MICR code the same as the IFSC code?
No, the MICR (Magnetic Ink Character Recognition) code is different from the IFSC code. The MICR code is a 9-digit numerical code used for processing cheques and identifying the bank and branch. It’s usually found at the bottom of a cheque leaf, while the IFSC code is used for electronic fund transfers.

Q5: Do I need an IFSC code for cash deposits or withdrawals at the branch?
No, you do not need an IFSC code for routine cash deposits or withdrawals directly at the bank branch counter. The IFSC code is specifically required for electronic fund transfers like NEFT, RTGS, and IMPS, where funds are moved between different banks or branches electronically.