Bihar Gramin Bank Bahdura IFSC Code

If you need to send or receive funds to the Bihar Gramin Bank branch in Bahdura, Purnia, understanding its Indian Financial System Code (IFSC) is crucial. This unique code acts like a digital address for bank branches, making sure your money goes to the correct place. Whether you’re making a payment through National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS), the IFSC code for this specific branch is essential for a smooth and secure transaction.

Branch Details

Here are the important details for the Bihar Gramin Bank, Bahdura branch:

Bank Name	Bihar Gramin Bank
Branch Name	Bahdura
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100807
Branch Address	Bahdura, PURNIA, 854204, 9297954126
Contact Number	9297954126
City	PURNIA
District	PURNIA
Reason	PURNEA
Pincode	854204
State	Bihar

Merger Update for Bihar Gramin Bank

It’s important to note a significant change regarding Bihar Gramin Bank. Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have merged to form the single entity now known as Bihar Gramin Bank. This new bank operates under the sponsorship of Punjab National Bank.

As a result of this merger, all previous IFSC codes associated with Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank branches are no longer valid. For any transactions with Bihar Gramin Bank branches, including the Bahdura branch, you must use the new standardized IFSC code, which is PUNB0MBGB06. Using any old IFSC code will lead to transaction failure.

What is an IFSC Code?

An IFSC code is an 11-character alphanumeric code that uniquely identifies each bank branch participating in online fund transfers within India. It is assigned by the Reserve Bank of India (RBI).

The structure of an IFSC code is specific:

• The first four characters represent the name of the bank. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always ‘0’ (zero). This is kept for future use.
• The last six characters uniquely identify the specific bank branch. In PUNB0MBGB06, “MBGB06” identifies the Bahdura branch.

This organized structure ensures that every branch has its own distinct digital address for electronic transactions.

How to Use an IFSC Code

Using an IFSC code is straightforward when initiating online fund transfers like NEFT, RTGS, or IMPS. Here’s a general guide:

1. Log in to your bank’s online banking platform or mobile app: Access your account using your credentials.
2. Select the type of fund transfer: Choose between NEFT, RTGS, or IMPS, depending on the amount and urgency of your transfer.
3. Add a new beneficiary (if not already added): You’ll need the recipient’s details.
4. Enter recipient details: This typically includes:
   • Recipient’s Account Number
   • Recipient’s Name
   • Recipient’s Bank Name (e.g., Bihar Gramin Bank)
   • Recipient’s Bank Branch (e.g., Bahdura)
   • The IFSC Code: This is where you enter PUNB0MBGB06 for the Bahdura branch.
5. Confirm details and amount: Double-check all information, especially the account number and IFSC code, to prevent errors.
6. Authorize the transaction: Complete the transfer using your chosen authentication method (e.g., OTP, transaction password).

The system uses the IFSC code to route your payment accurately to the Bahdura branch of Bihar Gramin Bank.

Benefits of Knowing Your IFSC Code

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

• Ensures accurate fund transfers: It guarantees your money reaches the intended bank branch without redirection or delays.
• Facilitates online payments: Essential for smooth NEFT, RTGS, and IMPS transactions, allowing you to send money digitally from anywhere.
• Speeds up transfers: Correct IFSC codes help process inter-bank transfers quickly and efficiently.
• Reduces errors: Using the precise code minimizes the risk of transactions failing or funds being sent to the wrong account.
• Necessary for bill payments and e-commerce: Many online payment platforms require an IFSC code for bank transfers, especially for larger amounts.

Contact Information

For inquiries related to the Bahdura branch or Bihar Gramin Bank:

• Bahdura Branch Phone Number: 9297954126
• Bahdura Branch Address: Bahdura, PURNIA, 854204, BIHAR
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Bihar Gramin Bank Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: Is the IFSC code for Bihar Gramin Bank Bahdura branch still valid after the merger?

A1: Yes, the IFSC code PUNB0MBGB06 is currently valid for the Bahdura branch of Bihar Gramin Bank. The previous IFSC codes of Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank are revoked.

Q2: Can I use the old IFSC code for NEFT or RTGS transactions?

A2: No, you cannot. All old IFSC codes for branches that were part of Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are no longer active. You must use the new consolidated IFSC code, PUNB0MBGB06, for all electronic fund transfers.

Q3: What do the characters in PUNB0MBGB06 mean?

A3: “PUNB” refers to Punjab National Bank, the sponsoring bank. The fifth character ‘0’ is for future use. “MBGB06” specifically identifies the Bahdura branch of Bihar Gramin Bank.

Q4: How can I find the IFSC code for another Bihar Gramin Bank branch?

A4: You can typically find IFSC codes on the bank’s official website, your bank passbook, or by contacting the bank’s customer service. Be sure to look for the updated codes under Bihar Gramin Bank.

Q5: What should I do if my online transaction fails due to an incorrect IFSC code?

A5: If a transaction fails because of an incorrect IFSC code, the funds are usually returned to your account within a few hours or a working day. You should then re-initiate the transaction using the correct IFSC code, which for Bahdura branch is PUNB0MBGB06.