The Bihar Gramin Bank BARH branch is an important banking hub located in Patna, Bihar. When you need to send or receive money online, especially through systems like NEFT, RTGS, or IMPS, knowing the correct Indian Financial System Code (IFSC) for this branch is essential. This unique code ensures your funds are transferred accurately and quickly to the right bank and branch, preventing delays or errors in your transactions.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | BARH |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7311 |
| Branch Address | BARH, Patna, 803214 |
| Contact Number | 9771464311 |
| City | Patna |
| District | Patna |
| Pincode | 803214 |
| State | Bihar |
Merger Update for Regional Rural Banks
The financial landscape for regional rural banks in Bihar has seen significant changes due to mergers and consolidations, often sponsored by larger public sector banks like Punjab National Bank. While the BARH branch is under Bihar Gramin Bank, the IFSC code PUNB0MBGB06 is used. This code indicates its connection to Punjab National Bank (PNB) as the sponsoring bank and often refers to the structure of Madhya Bihar Gramin Bank. Madhya Bihar Gramin Bank itself was formed through the merger of several regional rural banks in Bihar. This consolidation helps in standardizing banking operations and creating a unified system for financial transactions. For the BARH branch, it is crucial to use PUNB0MBGB06 for all online fund transfers. Any older or different IFSC codes that might have been used for previous entities before these mergers are now revoked and are no longer valid for transactions to this specific branch. Always use the current, unified code to ensure your money reaches its intended destination without issues.
What is an IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character code assigned by the Reserve Bank of India (RBI) to uniquely identify every bank branch participating in online money transfers. It’s like a digital address for each branch.
The 11 characters are broken down into three parts:
- First 4 Characters: These are alphabetic and represent the bank. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
- Fifth Character: This character is always a ‘0’ (zero). It’s a control digit reserved for future use.
- Last 6 Characters: These are alphanumeric and identify the specific branch. In PUNB0MBGB06, “MBGB06” uniquely points to the BARH branch within the Madhya Bihar Gramin Bank’s structure under PNB sponsorship.
This structure ensures that every branch has a distinct code, making online transactions precise and secure.
How to Use the IFSC Code
You need the IFSC code for various online fund transfer methods, including NEFT, RTGS, and IMPS. Here’s how you typically use it:
- Gather Beneficiary Details: Before starting a transfer, you need the beneficiary’s name, their bank account number, the bank’s name (Bihar Gramin Bank), and the correct IFSC code (PUNB0MBGB06) for their specific branch (BARH).
- Log in to Your Banking Platform: Access your net banking portal or mobile banking app.
- Select Transfer Type: Choose the type of transfer you want to make:
- NEFT (National Electronic Funds Transfer): Suitable for transfers of any amount, usually processed in batches during banking hours.
- RTGS (Real Time Gross Settlement): Ideal for high-value transactions (typically above Rs. 2 lakh). Funds are processed individually and in real-time.
- IMPS (Immediate Payment Service): For instant transfers, available 24/7, even on holidays, usually for smaller amounts.
- Add Beneficiary: If you haven’t transferred to this account before, you will need to add a new beneficiary. You will enter the beneficiary’s name, account number, account type (savings or current), and the IFSC code PUNB0MBGB06.
- Confirm and Transfer: Once the beneficiary is added and verified, you can initiate the transfer by entering the amount you wish to send. Double-check all details, especially the account number and IFSC code, before confirming the transaction.
Benefits of Knowing the IFSC Code
Knowing the correct IFSC code for Bihar Gramin Bank BARH branch offers several practical benefits:
- Accuracy in Transfers: It ensures your money reaches the exact intended bank branch, eliminating errors caused by similar-sounding branch names or locations.
- Faster Processing: By directing funds precisely, IFSC codes enable quicker processing of NEFT, RTGS, and IMPS transactions.
- Enhanced Security: The unique identification helps in preventing fraudulent transfers by ensuring strict routing of funds.
- Streamlined Operations: It standardizes the inter-bank transfer process across India, making it consistent and reliable for all users.
- Easy Online Banking: An IFSC code is fundamental for using digital payment methods, making banking convenient from anywhere.
Contact Information
For specific inquiries or assistance related to the Bihar Gramin Bank BARH branch, you can use the following contact details:
- Branch Phone Number: 9771464311
- Branch Address: BARH, Patna, 803214
- Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 18001807777
Frequently Asked Questions
Q1: Is the IFSC code necessary for all bank transactions?
A1: The IFSC code is necessary for online electronic fund transfers like NEFT, RTGS, and IMPS. It is not always required for physical cash deposits or withdrawals at the bank branch itself, or for internal transfers within the same bank if you know the account number.
Q2: What happens if I enter an incorrect IFSC code?
A2: If you enter an incorrect IFSC code, your transaction will likely fail. The system will detect that the code does not match the bank or branch details, and the transfer will not go through. Your money will generally be reversed to your account, though this may take some time.
Q3: Where else can I find the IFSC code for Bihar Gramin Bank BARH branch?
A3: You can find the IFSC code on the front page of your cheque book, on your bank passbook, or by visiting the official website of Bihar Gramin Bank or Punjab National Bank (its sponsor bank). Reliable third-party financial websites also list these codes.
Q4: What is the MICR code for this branch and what is its purpose?
A4: The MICR (Magnetic Ink Character Recognition) code for Bihar Gramin Bank BARH branch is 800811002. This 9-digit code is found on cheque leaves and is primarily used for processing cheques faster and more securely through automated readers. It helps in identifying the bank and branch for clearing cheques.
Q5: Can I transfer money without an IFSC code?
A5: For online inter-bank transfers (sending money from one bank to another), an IFSC code is mandatory. However, some banks offer UPI (Unified Payments Interface) services where you can use a UPI ID, which links to your bank account, to send money without directly entering an IFSC code. For transfers within the same bank, only the account number might be needed.
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.