Bihar Gramin Bank Ahirauliya (S) IFSC Code

The Bihar Gramin Bank branch in Ahirauliya (S), located in the East Champaran district of Bihar, serves as a crucial financial touchpoint for the local community. When conducting digital fund transfers like NEFT, RTGS, or IMPS, having the correct Indian Financial System Code (IFSC) is absolutely essential. This unique 11-character code ensures that your money reaches the intended recipient’s bank account without any issues, acting as a digital address for the specific bank branch.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Ahirauliya (S)
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	108075
Branch Address	Ahirauliya (S), EAST CHAMPARAN, 845417, 9297954602
Contact Number	9297954602
City	EAST CHAMPARAN
District	EAST CHAMPARAN
Region	MOTIHARI
Pincode	845417
State	Bihar

Merger Update

Regional rural banks in Bihar have undergone significant consolidation over the years to streamline operations and enhance banking services. Historically, entities like Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were part of these merger processes. These mergers eventually led to the formation of larger rural banks. The current *Bihar Gramin Bank*, which operates the Ahirauliya (S) branch, is a result of such consolidations. The IFSC code *PUNB0MBGB06* for this branch reflects the integrated structure under the sponsorship of Punjab National Bank. It’s important to note that any older IFSC codes associated with UBGB or DBGB for their erstwhile branches have been revoked and are no longer valid for transactions. For any fund transfers to or from the Ahirauliya (S) branch of Bihar Gramin Bank, *PUNB0MBGB06* is the only active and correct IFSC code to use.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code that identifies every bank branch participating in online financial transactions in India. It is critical for electronic fund transfers.

The structure of the IFSC code is standardized:

• The first four characters represent the bank’s name. For example, ‘PUNB’ stands for Punjab National Bank, which is the sponsor bank for Bihar Gramin Bank in this case.
• The fifth character is always ‘0’ (zero). This is reserved for future use and helps maintain uniqueness.
• The last six characters uniquely identify the specific bank branch. In the code PUNB0MBGB06, ‘MBGB06’ points to the particular branch.

This precise structure ensures that funds are routed to the correct branch and account without any manual intervention, making transactions secure and efficient.

How to Use the IFSC Code

Using the IFSC code is a straightforward process when you are making online fund transfers through NEFT, RTGS, or IMPS. Here’s a general guide:

• Gather Details: Before initiating any transfer, you will need the recipient’s account number, the recipient’s name, the name of their bank, and their branch’s IFSC code (in this case, PUNB0MBGB06 for Ahirauliya (S) branch).
• Log In: Access your bank’s internet banking portal or mobile banking app.
• Select Transfer Type: Choose the type of fund transfer you want to make:
  • NEFT (National Electronic Funds Transfer): Best for smaller amounts, processed in batches.
  • RTGS (Real Time Gross Settlement): Ideal for larger, time-sensitive transactions, processed individually in real-time.
  • IMPS (Immediate Payment Service): Provides instant fund transfer 24/7, including holidays.
• Add Beneficiary: If it’s a new recipient, you’ll need to add them as a beneficiary. This typically involves entering their name, account number, account type (e.g., Savings, Current), and the IFSC code (PUNB0MBGB06). Your bank may take a few minutes or hours to activate a new beneficiary for security reasons.
• Initiate Transfer: Once the beneficiary is added and activated, select them, enter the amount you wish to send, and confirm the transaction.
• Verify: Always double-check all details, especially the account number and IFSC code, before confirming to prevent misdirected funds.

Benefits of Knowing the IFSC Code

Understanding and using the correct IFSC code offers several important advantages for financial transactions:

• Accurate Fund Transfers: Ensures that money is sent to the precise bank branch, preventing delays or misrouting of funds.
• Mandatory for Digital Payments: It is a compulsory requirement for all electronic fund transfers (NEFT, RTGS, IMPS), facilitating modern banking.
• Security: The unique identification helps in tracking transactions and adds a layer of security to prevent fraud.
• Efficiency: Speeds up the process of interbank transfers by automating the routing of funds.
• Easy Identification: Allows for quick identification of a specific bank and branch from anywhere in India.

Contact Information

For inquiries related to the Ahirauliya (S) branch of Bihar Gramin Bank, you can use the following contact details:

• Branch Phone Number: 9297954602
• Branch Address: Ahirauliya (S), EAST CHAMPARAN, 845417
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Bihar Gramin Bank): 18001807777

Frequently Asked Questions (FAQs)

Q1: What does IFSC stand for?
A1: IFSC stands for Indian Financial System Code. It’s a unique identifier for bank branches in India used for electronic fund transfers.

Q2: Can I use an old IFSC code for Bihar Gramin Bank, specifically if it belonged to UBGB or DBGB previously?
A2: No, you should only use the current and valid IFSC code. Due to mergers and consolidations, old IFSC codes from banks like Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) are no longer active. For the Ahirauliya (S) branch, *PUNB0MBGB06* is the only valid code.

Q3: Is the IFSC code the same for all branches of Bihar Gramin Bank?
A3: No, the IFSC code is unique to each individual bank branch. While the first few characters identify the bank (e.g., PUNB for the sponsor bank and ‘MBGB’ for the specific regional rural bank entity), the last six characters are specific to the branch. So, the Ahirauliya (S) branch will have a different IFSC code than other Bihar Gramin Bank branches.

Q4: What happens if I use a wrong IFSC code during a transaction?
A4: If you use an incorrect IFSC code, the transaction will likely fail and your bank will return the funds to your account. However, in some rare cases, if the incorrect IFSC code points to another valid branch and account combination, your funds might be transferred to the wrong recipient. Always double-check the IFSC code and account number before confirming a transaction.

Q5: How can I find the IFSC code for another branch of Bihar Gramin Bank?
A5: You can find IFSC codes on the bank’s official website, on your bank passbook or cheque leaf, or through online IFSC code finder tools by entering the bank name, state, and district of the branch you’re looking for.