Bihar Gramin Bank Bari Durgasthan(Rosera) IFSC Code

If you need to send or receive money electronically from the Bihar Gramin Bank branch at Bari Durgasthan in Rosera, Samastipur, Bihar, understanding its IFSC code is crucial. This unique code acts like a digital address, ensuring your funds go to the right bank and the correct branch. It’s essential for all major electronic fund transfers, including NEFT, RTGS, and IMPS, making your transactions smooth and secure.

Bihar Gramin Bank Bari Durgasthan (Rosera) Branch Details

Here are the specific details for the Bari Durgasthan (Rosera) branch of Bihar Gramin Bank:

Bank Name	Bihar Gramin Bank
Branch Name	Bari Durgasthan(Rosera)
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3980
Branch Address	Bari Durgasthan(Rosera), Samastipur, 848210, 7070098472
Contact Number	7070098472
City	Samastipur
District	Samastipur
Reason	SAMASTIPUR
Pincode	848210
State	Bihar

Merger Update for Bihar Gramin Bank

Bihar Gramin Bank was formed from the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This merger brought all their operations under the single identity of Bihar Gramin Bank. Importantly, Punjab National Bank (PNB) is the sponsoring bank for Bihar Gramin Bank.

Because of this sponsorship, all Bihar Gramin Bank branches, including Bari Durgasthan (Rosera), now use IFSC codes that begin with PUNB0. This prefix indicates Punjab National Bank as the sponsoring institution.

If you previously used an IFSC code for Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank, please note that those old codes are no longer valid for transactions. You must use the new, consolidated IFSC code, like PUNB0MBGB06 for the Bari Durgasthan (Rosera) branch, to ensure your electronic transfers are successful. Always verify the correct, updated IFSC code before initiating any transaction.

What is an IFSC Code?

IFSC stands for Indian Financial System Code. It’s an 11-character alpha-numeric code assigned by the Reserve Bank of India (RBI) to uniquely identify every bank branch in India participating in the NEFT (National Electronic Funds Transfer) system.

The structure of the IFSC code is straightforward:

• The first four characters represent the bank name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always a “0” (zero). This character is reserved for future use and acts as a control digit.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” specifically identifies the Bari Durgasthan (Rosera) branch of Bihar Gramin Bank.

This unique code ensures that when you send money electronically, it reaches the exact bank branch you intend, preventing errors and misdirected funds.

How to Use the IFSC Code

Using the IFSC code is a standard part of any electronic fund transfer process. Here’s a general guide for NEFT, RTGS, and IMPS:

1. Gather Beneficiary Details: Before starting a transfer, you will need the beneficiary’s bank account number, their full name, and the correct IFSC code for their bank branch. For the Bari Durgasthan (Rosera) branch, this would be PUNB0MBGB06.
2. Log In to Your Banking Platform: Access your online banking portal or mobile banking app.
3. Select Fund Transfer: Choose the option for “Fund Transfer” or “Payments.”
4. Choose Transfer Type: Select NEFT, RTGS, or IMPS, depending on the amount and urgency of your transfer.
5. Add New Beneficiary (if not already added): If you’re sending money to this account for the first time, you’ll need to add them as a new beneficiary.
6. Enter Beneficiary Information: Input the beneficiary’s full name, account number, and the IFSC code (PUNB0MBGB06 for Bari Durgasthan). You might also need to confirm the bank name and branch name, which will usually auto-populate once the IFSC is entered.
7. Enter Amount and Purpose: Specify the amount you wish to transfer and a brief description for the transaction (e.g., “Family support,” “Rent payment”).
8. Review and Confirm: Double-check all details to ensure accuracy, especially the account number and IFSC code. Mistakes can lead to delays or incorrect transfers.
9. Authorize Transaction: Complete the transfer using your PIN, password, or OTP (One-Time Password).

The IFSC code acts as the routing number, guiding your funds to the correct destination within the vast Indian banking network.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch, or for someone you’re sending money to, offers several important advantages:

• Accurate Fund Transfers: It guarantees that your electronic payments reach the correct bank branch, reducing the risk of errors.
• Faster Processing: Correct IFSC codes enable quick processing of NEFT, RTGS, and IMPS transactions, ensuring timely arrival of funds.
• Enhanced Security: The unique identification helps prevent fraudulent activities by linking transactions to specific, verified branches.
• Avoids Delays: Entering the wrong IFSC code can cause transactions to fail or be delayed. Having the correct code ensures smooth processing.
• Essential for Digital Banking: It’s a fundamental requirement for all forms of online and mobile banking fund transfers within India.

Contact Information

If you need to get in touch with Bihar Gramin Bank, here are the relevant contact details:

Bari Durgasthan (Rosera) Branch Contact:

• Phone Number: 7070098472
• Branch Address: Bari Durgasthan(Rosera), Samastipur, 848210, Bihar

Bihar Gramin Bank Head Office:

• Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: Why is the IFSC code so important for bank transfers?

The IFSC code is crucial because it precisely identifies a unique bank branch for electronic transactions like NEFT, RTGS, and IMPS. Without it, the bank’s system wouldn’t know which specific branch to send the money to, leading to failed or misdirected transfers.

Q2: Can I use an old Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) IFSC code?

No, you cannot. Following the merger, Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank are now part of Bihar Gramin Bank. All old UBGB and DBGB IFSC codes have been revoked and are no longer valid. You must use the new IFSC codes, which begin with “PUNB0” (as Punjab National Bank is the sponsoring bank) for all electronic transactions.

Q3: What happens if I enter the wrong IFSC code during a transaction?

If you enter an incorrect IFSC code, your transaction will likely fail and be rejected by the banking system. The funds will typically be returned to your account within a few hours or a day. However, in rare cases where an incorrect IFSC code leads to a valid but wrong account, recovering funds can be complicated and may require contacting both banks involved.

Q4: Is the IFSC code the same for all branches of Bihar Gramin Bank?

No, the IFSC code is unique to each individual branch of Bihar Gramin Bank. While the first five characters (“PUNB0”) might be common across all branches due to Punjab National Bank’s sponsorship, the last six characters (the branch code) will be different for every specific branch, identifying its unique location.

Q5: How can I find the IFSC code for another Bihar Gramin Bank branch?

You can find the IFSC code for any Bihar Gramin Bank branch through several reliable methods: check the bank’s official website, look at your bank passbook or cheque book, use reputable online IFSC code finder tools, or contact the bank’s customer service directly.