Bihar Gramin Bank Barh Samaila IFSC Code

The Barh Samaila branch of Bihar Gramin Bank is located in the Darbhanga district of Bihar. For anyone looking to send or receive money electronically through this branch, understanding the Indian Financial System Code (IFSC) is essential. This unique 11-character code acts like a specific address for the bank branch, ensuring that your funds transferred via NEFT, RTGS, or IMPS reach the correct destination without any errors or delays. It’s a fundamental requirement for nearly all online bank-to-bank transactions in India.

Branch Details

Important Merger Update

Bihar Gramin Bank was formed by the amalgamation of two separate regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this merger, the new entity is sponsored by Punjab National Bank (PNB). As a result of this change, all old IFSC codes belonging to the former UBGB and DBGB have been discontinued.

A single, unified IFSC code—PUNB0MBGB06—has been assigned for all branches of the newly formed Bihar Gramin Bank. It is critical to use only this new code for all transactions. Any attempt to use an old UBGB or DBGB IFSC code will result in a failed transfer.

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 network. The code has a specific structure that helps route transactions correctly.

Let’s break down the IFSC code PUNB0MBGB06:

• PUNB: The first four characters represent the name of the sponsor bank. In this case, it’s Punjab National Bank.
• 0: The fifth character is always a zero. It is reserved for future use.
• MBGB06: The last six characters identify the bank itself. For Bihar Gramin Bank, ‘MBGB06’ serves as the identifier for the entire bank network after the merger, rather than for an individual branch.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code to send money is a straightforward process. Whether you are using a computer or a mobile app, the steps are generally the same.

1. Log in to your internet banking portal or mobile banking application.
2. Navigate to the “Fund Transfer” or “Payments” section.
3. Choose your preferred transfer method: NEFT, RTGS, or IMPS.
4. Select the option to “Add a New Beneficiary” or “Add Payee.”
5. Enter the recipient’s details: their name, bank account number, and account type.
6. In the IFSC code field, carefully enter PUNB0MBGB06.
7. Double-check all the details to ensure accuracy and confirm the beneficiary addition.
8. Once the beneficiary is added, you can initiate the transfer by entering the amount and your transaction password or PIN.

Benefits of Using the Correct IFSC Code

• Ensures Accuracy: The code directs your money to the exact bank and branch, eliminating routing errors.
• Prevents Failures: Using the right IFSC code is the primary way to avoid transaction declines and the need to re-initiate the payment.
• Speeds Up Transactions: It allows for automated processing by the RBI’s servers, making transfers faster and more efficient.
• Enables Digital Banking: It is a mandatory requirement for all major online payment systems like NEFT, RTGS, and IMPS.

Contact Information

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

• Branch Contact Number: 9297955076
• Branch Address: Barh Samaila, DARBHANGA, 847121, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

1. Is PUNB0MBGB06 the IFSC code for just the Barh Samaila branch?

No. Following the merger of Uttar and Dakshin Bihar Gramin Banks, PUNB0MBGB06 is the single, unified IFSC code used for all branches of Bihar Gramin Bank for NEFT, RTGS, and IMPS transactions.

2. Why does the IFSC code start with ‘PUNB’ for Bihar Gramin Bank?

The first four letters of an IFSC code represent the sponsor bank. Since Punjab National Bank (PNB) is the sponsor bank for Bihar Gramin Bank, the code begins with ‘PUNB’.

3. What will happen if I use an old IFSC code from Uttar Bihar Gramin Bank (UBGB)?

The transaction will be rejected. The old codes have been deactivated, and the payment system will not be able to identify the destination branch, leading to a failed transfer.

4. What is the difference between an IFSC code and a MICR code?

The IFSC code is used for electronic fund transfers like NEFT and RTGS. The MICR (Magnetic Ink Character Recognition) code, which is a 9-digit code, is used primarily for processing cheques.

5. Do I need an IFSC code for UPI transactions?

No, you do not need to enter an IFSC code for UPI payments. UPI transactions work using a Virtual Payment Address (VPA) or by scanning a QR code, which simplifies the process.

Kriti Kumari

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.