Bihar Gramin Bank Chawni Chowk IFSC Code

This article provides details for the Bihar Gramin Bank branch located at Chawni Chowk in West Champaran, Bihar. Understanding the Indian Financial System Code, or IFSC, is crucial for anyone making digital fund transfers. This unique code ensures that money sent through systems like NEFT, RTGS, and IMPS reaches the correct bank and branch without errors, making your transactions smooth and secure.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Chawni Chowk
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100306
Branch Address	Chawni Chowk, WEST CHAMPARAN, 845438, 9297948742
Contact Number	9297948742
City	WEST CHAMPARAN
District	WEST CHAMPARAN
Reason	BETTIAH
Pincode	845438
State	Bihar

Merger Update

Bihar Gramin Bank was formed from the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this merger, all branches now operate under a single, unified IFSC code structure, which is sponsored by Punjab National Bank. The specific IFSC code for Bihar Gramin Bank, including the Chawni Chowk branch, is PUNB0MBGB06.

It’s important to note that any old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are no longer valid. For any fund transfers, only the new, unified IFSC code (PUNB0MBGB06) must be used. Using an outdated code will result in transaction failure.

What is an IFSC Code?

The IFSC (Indian Financial System Code) is a unique 11-character alphanumeric code. It’s used to identify every bank branch participating in online money transfers within India. This code acts like a digital address, ensuring funds go to the correct destination.

The 11 characters of an IFSC code are structured in a specific way:

• The first four characters represent the bank name. For instance, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always a zero (0). This character is reserved for future use and helps differentiate the bank code from the branch code.
• The last six characters identify the specific bank branch. In PUNB0MBGB06, “MBGB06” uniquely identifies the Chawni Chowk branch of Bihar Gramin Bank.

How to Use an IFSC Code

Using an IFSC code is straightforward when you’re making an online fund transfer. Here’s a general guide:

1. Log in to Your Banking App or Website: Access your online banking portal or mobile banking application.
2. Select Fund Transfer Option: Look for options like “Fund Transfer,” “NEFT,” “RTGS,” or “IMPS.”
3. Add New Beneficiary: If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary.
4. Enter Beneficiary Details:
   • Beneficiary’s Account Number
   • Beneficiary’s Account Holder Name
   • Beneficiary’s Bank Name (e.g., Bihar Gramin Bank)
   • Beneficiary’s IFSC Code (e.g., PUNB0MBGB06 for Chawni Chowk branch)
   • Confirm Account Number (often required for verification)
5. Confirm and Transact: After adding the beneficiary, you can proceed to select the amount you wish to transfer and complete the transaction.

Always double-check the IFSC code and account number before confirming any transaction. An incorrect code can lead to delays or even send money to the wrong account.

Benefits of Knowing Your IFSC Code

Having the correct IFSC code at hand offers several advantages:

• Fast Transfers: It enables quick and efficient electronic fund transfers via NEFT, RTGS, and IMPS.
• Accuracy: The unique code ensures your money reaches the exact bank branch intended, reducing errors.
• Security: It adds a layer of security by accurately routing transactions, protecting against misdirection of funds.
• Nationwide Access: Facilitates seamless money transfers to and from any bank branch across India.
• Online Bill Payments: Often required for setting up direct debits or automated payments for utilities, loans, and other services.

Contact Information

For inquiries regarding the Bihar Gramin Bank Chawni Chowk branch, you can use the following details:

• Branch Phone Number: 9297948742
• Branch Address: Chawni Chowk, WEST CHAMPARAN, 845438, Bihar

For general banking inquiries or to reach the head office:

• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

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

Q2: Why does the fifth character in an IFSC code always have to be zero?
A2: The fifth character is a ‘0’ (zero) as a standard. This character is reserved for future use and acts as a separator between the bank code and the specific branch code, helping to maintain the 11-character structure consistently across all banks.

Q3: I used an old IFSC code for Uttar Bihar Gramin Bank. Will my transaction still go through?
A3: No, if you used an old IFSC code for Uttar Bihar Gramin Bank, your transaction will likely fail. Following the merger, all old codes have been revoked. You must use the new, unified IFSC code, PUNB0MBGB06, for all transactions related to Bihar Gramin Bank.

Q4: What happens if I enter an incorrect IFSC code during a fund transfer?
A4: If you enter an incorrect IFSC code, the transaction will most likely be rejected by the system. In some cases, if the incorrect code belongs to another valid branch, your funds could be delayed or sent to the wrong account, making recovery difficult. Always verify the IFSC code carefully.

Q5: Is Bihar Gramin Bank a public sector bank?
A5: Bihar Gramin Bank is a Regional Rural Bank (RRB) sponsored by Punjab National Bank. While RRBs are government-owned financial institutions, they operate with a focus on rural areas and are distinct from nationalized commercial banks.