Bihar Gramin Bank Belkunda IFSC Code

If you need to send or receive money at the Bihar Gramin Bank branch in Belkunda, located in Vaishali district, Bihar, understanding its IFSC (Indian Financial System Code) is essential. The IFSC is a unique eleven-character code that helps identify bank branches in India. It is crucial for electronic fund transfers like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service), ensuring your money reaches the correct destination quickly and securely.

Branch Details Table

Detail	Information
Bank Name	Bihar Gramin Bank
Branch Name	Belkunda
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100113
Branch Address	Belkunda, VAISHALI, 844135, 9297954969
Contact Number	9297954969
City	VAISHALI
District	VAISHALI
Reason	HAJIPUR
Pincode	844135
State	Bihar

Merger Update

Bihar Gramin Bank was formed from the merger of Uttar Bihar Gramin Bank (UBGB) and Madhya Bihar Gramin Bank (MBGB). If you previously held an account with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank (which was part of an earlier consolidation leading to MBGB), your branch now operates under Bihar Gramin Bank. Due to this consolidation, all branches now use a unified series of IFSC codes. These codes are issued by Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank.

Specifically, all old IFSC codes belonging to Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank have been revoked. For any transactions involving Bihar Gramin Bank branches, including Belkunda, you must use the new and valid IFSC code PUNB0MBGB06 (or other relevant codes starting with PUNB0MBGB for other branches). Using any old, revoked IFSC code will cause your transaction to fail.

What is IFSC Code?

The IFSC Code is an eleven-character alphanumeric code. It uniquely identifies each bank branch participating in electronic funds transfers. Understanding its structure helps in verifying its authenticity:

• The first four characters represent the bank name. For Bihar Gramin Bank, sponsored by Punjab National Bank, this is PUNB.
• The fifth character is always a zero (0). This character is reserved for future use and acts as a control digit.
• The last six characters identify the specific branch. For the Belkunda branch, these are MBGB06.

So, for Bihar Gramin Bank, Belkunda branch, the IFSC is PUNB0MBGB06.

How to Use IFSC Code

Using the IFSC code is a straightforward process when you are making electronic fund transfers:

1. Gather Receiver Details: You will need the beneficiary’s full name, account number, bank name, and the specific IFSC code of their branch (e.g., PUNB0MBGB06 for Belkunda).
2. Access Your Banking Platform: Log in to your bank’s internet banking portal or mobile banking app.
3. Initiate Transfer: Select the option for fund transfer, usually labeled NEFT, RTGS, or IMPS.
4. Add Beneficiary: If you haven’t transferred money to this person before, you’ll need to add them as a new beneficiary. Enter all the details you gathered, including the IFSC code. The system will often auto-fill the branch name once the IFSC is entered correctly.
5. Enter Amount and Confirm: Specify the amount you wish to transfer. Review all details carefully before confirming the transaction. This ensures the money goes to the right person and account.

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 benefits:

• It ensures the swift and accurate transfer of funds through NEFT, RTGS, and IMPS.
• It helps prevent errors and delays in transactions, as the code directs the money to the precise branch.
• It is a mandatory detail for adding beneficiaries for online fund transfers.
• It confirms the identity of the bank and its specific branch, adding a layer of security to your transactions.
• It simplifies online bill payments and other digital banking activities that require bank details.

Contact Section

For any queries or assistance related to the Belkunda branch of Bihar Gramin Bank, you can use the following contact details:

• Branch Phone Number: 9297954969
• Branch Address: Belkunda, VAISHALI, 844135, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Punjab National Bank): 18001807777

FAQs

What is the IFSC code for Bihar Gramin Bank Belkunda branch?

The IFSC code for Bihar Gramin Bank’s Belkunda branch is PUNB0MBGB06.

Can I use an old IFSC code from Uttar Bihar Gramin Bank for transactions?

No, old IFSC codes from Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank have been revoked. You must use the new unified IFSC codes, such as PUNB0MBGB06, for all transactions with Bihar Gramin Bank branches.

Why does Bihar Gramin Bank’s IFSC code start with “PUNB0”?

The “PUNB0” prefix indicates that Punjab National Bank is the sponsoring bank for Bihar Gramin Bank. This means Punjab National Bank provides technological and financial support to the regional rural bank.

Is the MICR code also required for online transfers?

Generally, for NEFT, RTGS, and IMPS, the IFSC code is sufficient. The MICR (Magnetic Ink Character Recognition) code is primarily used for processing physical cheques. However, some banking platforms might ask for it for verification purposes.

What should I do if my online transfer fails due to an incorrect IFSC code?

If your transfer fails due to an incorrect IFSC code, the funds will typically be reversed to your account. You should re-verify the correct IFSC code (PUNB0MBGB06 for Belkunda) with the beneficiary or the bank and attempt the transaction again.