Located in Andar Dhala, a village in the Siwan district of Bihar, the Bihar Gramin Bank branch plays a key role for local residents and businesses. Understanding its IFSC code is crucial for anyone needing to send or receive money through digital channels like National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). This unique code ensures your funds reach the correct account quickly and securely, making all electronic transactions efficient and reliable.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Andar Dhala |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 108122 |
| Branch Address | Andar Dhala, SIWAN, 841226, 9297955845 |
| Contact Number | 9297955845 |
| City | SIWAN |
| District | SIWAN |
| Pincode | 841226 |
| State | Bihar |
Merger Update for Bihar Gramin Bank
Bihar Gramin Bank is a Regional Rural Bank (RRB) sponsored by Punjab National Bank. It was formed through the amalgamation of two previous Regional Rural Banks: Dakshin Bihar Gramin Bank (DBGB) and Uttar Bihar Gramin Bank (UBGB) on January 1, 2013. This merger brought both entities under a single, unified structure known as Bihar Gramin Bank.
Following this consolidation, all branches, including the Andar Dhala branch, now operate under the new unified IFSC code structure, which begins with PUNB0. For the Andar Dhala branch, the specific IFSC code is PUNB0MBGB06.
It is very important to note that any old IFSC codes previously used by Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) are now revoked and are no longer valid for any banking transactions. To ensure successful fund transfers via NEFT, RTGS, or IMPS, customers must use only the current and unified IFSC code, PUNB0MBGB06, or the respective new IFSC codes for other Bihar Gramin Bank branches.
What is an IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alpha-numeric code assigned by the Reserve Bank of India (RBI) to identify individual bank branches participating in electronic funds transfer systems like NEFT, RTGS, and IMPS. This unique code helps to accurately route transactions to the correct bank and branch.
The structure of the 11-character IFSC code is specific:
- The first four characters represent the bank name. For instance, in PUNB0MBGB06, “PUNB” indicates Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
- The fifth character is always a zero (0). This character is reserved for future use and acts as a control character, keeping the code structure consistent.
- The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” uniquely points to the Andar Dhala branch of Bihar Gramin Bank.
Knowing this structure helps you quickly identify the bank and branch associated with any given IFSC code.
How to Use IFSC Code for Fund Transfers
When you need to send money electronically using NEFT, RTGS, or IMPS, the IFSC code is a mandatory piece of information. Here’s a general step-by-step guide:
- Log in to your Net Banking or Mobile Banking App: Access your bank’s online platform or mobile application.
- Select Fund Transfer Option: Look for options like “Transfer Funds,” “NEFT,” “RTGS,” or “IMPS.”
- Add New Beneficiary (if not already added): If you are sending money to this account for the first time, you will need to add them as a beneficiary. This usually involves providing their details.
- Enter Beneficiary Details:
- Beneficiary Name: The full name of the person or entity you are sending money to.
- Beneficiary Account Number: The exact account number of the recipient. Double-check this carefully.
- Confirm Account Number: Re-enter the account number to ensure accuracy.
- IFSC Code: Enter the 11-character IFSC code of the recipient’s bank branch, which in this case is PUNB0MBGB06 for Bihar Gramin Bank, Andar Dhala branch.
- Enter Amount: Specify the amount of money you wish to transfer.
- Select Transaction Type: Choose between NEFT, RTGS, or IMPS, depending on the amount and urgency.
- Confirm Details and Authorize: Review all the entered information, especially the account number and IFSC code, before confirming the transaction with your password or OTP (One-Time Password).
Once authorized, the funds will be transferred to the beneficiary’s account. Always verify the IFSC code and account number to prevent misdirection of funds.
Benefits of Knowing the IFSC Code
Having easy access to the correct IFSC code offers several practical advantages for banking transactions:
- Enables Electronic Transfers: It is essential for initiating NEFT, RTGS, and IMPS transactions, allowing for quick and paperless fund transfers.
- Ensures Accuracy: The unique code helps route money to the correct bank and specific branch, reducing errors and delays in transactions.
- Facilitates Online Payments: Crucial for various online payments, including utility bills, loan EMIs, and e-commerce purchases that require bank transfers.
- Streamlines Beneficiary Addition: When adding new payees to your online banking, the IFSC code simplifies the process by automatically populating bank and branch details.
- Supports Interbank Transactions: Allows funds to be moved between different banks and branches across India, connecting the entire financial system.
Contact Information
For inquiries related to the Andar Dhala branch or Bihar Gramin Bank, you can use the following contact details:
- Branch Phone Number: 9297955845
- Branch Address: Andar Dhala, SIWAN, 841226, Bihar
- Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number (Bihar Gramin Bank): 18001807777
Frequently Asked Questions (FAQs)
Q1: Is the IFSC code PUNB0MBGB06 specific only to the Andar Dhala branch?
A1: Yes, the last six characters “MBGB06” are unique to the Andar Dhala branch of Bihar Gramin Bank. While “PUNB0” identifies the sponsoring bank and the general merged entity, the full 11-character code is specific to this particular branch.
Q2: What happens if I use an old IFSC code from UBGB or DBGB?
A2: If you use an old IFSC code from Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank, your transaction will likely fail. The system will not recognize the old code as valid, and the funds will not be transferred to the beneficiary’s account. Always use the current Bihar Gramin Bank IFSC code, such as PUNB0MBGB06.
Q3: Can I find the IFSC code on my passbook or cheque book?
A3: Yes, the IFSC code for your branch is typically printed on your bank passbook and on the top left corner of your cheque leaves. You can also find it on the bank’s official website or through the RBI’s website.
Q4: Is the MICR code also necessary for online fund transfers?
A4: The MICR (Magnetic Ink Character Recognition) code is primarily used for processing physical cheques. For online electronic fund transfers (NEFT, RTGS, IMPS), the IFSC code is the primary identifier needed. However, some forms might ask for it, especially for specific banking operations.
Q5: What is the difference between NEFT, RTGS, and IMPS?
A5: NEFT (National Electronic Funds Transfer) processes transactions in batches, usually hourly, and is suitable for non-urgent transfers. RTGS (Real Time Gross Settlement) processes transactions individually and immediately, making it ideal for large, urgent transfers (typically above ₹2 lakh). IMPS (Immediate Payment Service) allows for instant, 24/7 fund transfers, including on holidays, and has lower transaction limits than RTGS.
Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.