Bihar Gramin Bank Araria Rs IFSC Code

The Araria RS branch of Bihar Gramin Bank is located in the Araria district of Bihar. For any online fund transfer to this branch, you need its unique Indian Financial System Code (IFSC). This 11-character code is essential for processing electronic payments like National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). The IFSC code ensures that your money is routed correctly and securely to the intended bank branch, preventing errors and delays.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Araria Rs
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	108140
Branch Address	Araria Rs, ARARIA, 854312, 9297954390
Contact Number	9297954390
City	ARARIA
District	ARARIA
Reason	ARARIA
Pincode	854312
State	Bihar

Merger and Updated IFSC Code

Previously, Bihar had two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have since been merged into a single entity, now known as Bihar Gramin Bank, which is sponsored by Punjab National Bank (PNB). As a result of this merger, all old IFSC codes belonging to the former UBGB and DBGB have been revoked. They are no longer valid and will cause transactions to fail. For all online fund transfers, you must now use the new IFSC codes assigned under PNB’s sponsorship. The correct code for the Araria RS branch is PUNB0MBGB06.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify every bank branch participating in the electronic funds transfer system. The code has a specific structure that helps in routing transactions.

Let’s break down the IFSC code PUNB0MBGB06:

• PUNB: The first four letters represent the name of the bank. In this case, ‘PUNB’ stands for Punjab National Bank, the sponsor bank.
• 0: The fifth character is always a zero. It is reserved for future use.
• MBGB06: The last six characters represent the specific branch code. This part uniquely identifies the Araria RS branch within the bank’s network.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for an online money transfer is a straightforward process. Whether you are using a mobile banking app or a desktop website, the steps are generally the same.

1. Log In: Access your internet banking account or mobile banking application.
2. Select Transfer: Navigate to the ‘Fund Transfer’ or ‘Payments’ section and choose the transfer method: NEFT, RTGS, or IMPS.
3. Add Beneficiary: You will need to add the recipient as a beneficiary or payee. Enter their name, bank account number, and the IFSC code: PUNB0MBGB06.
4. Verify Details: The banking system will use the IFSC code to automatically fetch the bank and branch details. Double-check that the information matches the Araria RS branch.
5. Complete Transaction: Enter the amount you wish to send, add any remarks, and authorize the transaction using your password or PIN.

Benefits of Using the Correct IFSC Code

• Accuracy: It guarantees that your funds are sent to the exact branch and account you intend, eliminating routing errors.
• Speed: The code allows for automated processing of transactions, making fund transfers faster and more efficient.
• Error Prevention: It minimizes the risk of human error that can occur when selecting a branch manually from a long list.
• Security: As a key part of the electronic payment infrastructure, it helps secure the transaction process from end to end.

Contact Information

For any direct inquiries, you can reach out to the branch or the bank’s head office.

Branch Contact
Phone: 9297954390
Address: Araria Rs, ARARIA, Bihar – 854312

Head Office Address
SHRI VISHNU COMMERCIAL COMPLEX
ASOCHAK, PATNA-800030, BIHAR

Toll-Free Number
18001807777

Frequently Asked Questions

1. What is the new IFSC code for the Bihar Gramin Bank, Araria RS branch?
The correct and updated IFSC code is PUNB0MBGB06.

2. Why does the IFSC code for Bihar Gramin Bank start with ‘PUNB’?
After the merger of Uttar and Dakshin Bihar Gramin Banks, the new entity is sponsored by Punjab National Bank (PNB). Therefore, the new IFSC codes begin with ‘PUNB’ to reflect the sponsor bank.

3. Can I still use an old UBGB or DBGB IFSC code?
No. All old IFSC codes from the pre-merger banks are now invalid. Using an old code will result in a failed transaction. You must use the new PNB-sponsored code.

4. What is the difference between an IFSC code and a MICR code?
The IFSC code is used for online electronic fund transfers like NEFT and RTGS. The MICR (Magnetic Ink Character Recognition) code, found at the bottom of a cheque leaf, is used for processing physical cheques.

5. What should I do if I enter the wrong IFSC code?
If the IFSC code you entered does not exist, the transaction will likely be rejected by your bank. If it corresponds to another branch, the funds might be misdirected. In such a case, you should contact your bank immediately to initiate a reversal process.