Bihar Gramin Bank Belsandi IFSC Code

The Bihar Gramin Bank branch located in Belsandi, West Champaran, is an important financial hub for the local community. For anyone needing to transfer funds digitally to or from this branch, understanding its Indian Financial System Code (IFSC) is crucial. This unique code is essential for all electronic money transfers like National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). It ensures that your money reaches the correct bank and specific branch without error.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Belsandi
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100315
Branch Address	Belsandi, WEST CHAMPARAN, 845455, 9297954020
Contact Number	9297954020
City	WEST CHAMPARAN
District	WEST CHAMPARAN
Reason	BETTIAH
Pincode	845455
State	Bihar

Merger Update

Previously, Bihar had two prominent regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both of these banks have since merged and now operate under the unified structure of Bihar Gramin Bank, sponsored by Punjab National Bank.

As a result of this merger, all older IFSC codes associated with UBGB and DBGB have been revoked. For any electronic fund transfers to branches like Belsandi under the current Bihar Gramin Bank, you must use the new, standardized IFSC code: PUNB0MBGB06. It is vital to use only this new code to ensure your transactions are processed correctly and without delay.

What is an IFSC Code?

An IFSC code is an 11-character alpha-numeric code that uniquely identifies all bank branches participating in the NEFT, RTGS, and IMPS systems in India. Think of it as a specific address for a bank branch in the digital payment 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 ‘0’ (zero). This is a control character reserved for future use.
• The last six characters identify the specific branch. In our example, “MBGB06” uniquely points to the particular branch within the bank’s network.

This organized structure helps in routing funds accurately to the intended recipient’s bank account.

How to Use the IFSC Code

Using the IFSC code for your fund transfers is a simple process. Here are the general steps:

1. Log In: Access your net banking portal or mobile banking app.
2. Select Transfer Type: Choose the type of transfer you want to make – NEFT, RTGS, or IMPS.
3. Add Beneficiary: If it’s a new recipient, you will need to add them as a beneficiary. This usually involves providing the recipient’s name, account number, account type (savings or current), and the bank’s IFSC code.
4. Enter IFSC Code: Carefully type in the IFSC code, PUNB0MBGB06, for the Bihar Gramin Bank, Belsandi branch. Double-check for any typos.
5. Enter Amount: Specify the amount you wish to transfer.
6. Confirm Details: Review all the entered details, especially the account number and IFSC code, to ensure accuracy before confirming the transaction.

Once confirmed, the bank system will use the IFSC code to route your money to the correct Belsandi branch and the recipient’s account.

Benefits of Knowing the IFSC Code

Knowing the correct IFSC code offers several practical benefits for your banking needs:

• Accurate Fund Transfers: Ensures your money goes to the right bank and branch, preventing delays or misdirected funds.
• Faster Transactions: Essential for quick electronic transfers like NEFT, RTGS, and IMPS, which are processed efficiently with the correct code.
• Security: Reduces the risk of fraud or errors by providing a unique identifier for each bank branch.
• Online Shopping and Bill Payments: Many online payment gateways and bill payment services require an IFSC code for bank transfers, making it easy to pay merchants or bills directly from your bank account.
• Salary and Pension Transfers: Employers and pension disbursing agencies use IFSC codes to ensure timely and correct credit of salaries and pensions.

Contact Information

For any queries related to the Bihar Gramin Bank, Belsandi branch, or other banking services, you can use the following contact details:

• Belsandi Branch Contact Number: 9297954020
• Belsandi Branch Address: Belsandi, WEST CHAMPARAN, 845455, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

Q1: What is the full form of IFSC?

A1: IFSC stands for Indian Financial System Code. It is an 11-character code used for electronic fund transfers in India.

Q2: Is the IFSC code the same for all branches of Bihar Gramin Bank?

A2: No, the first five characters of the IFSC code (e.g., PUNB0) are typically common for a group of branches under the same sponsoring bank. However, the last six characters are unique to each specific branch. So, while the Belsandi branch has PUNB0MBGB06, another Bihar Gramin Bank branch will have the same first five characters but different last six characters.

Q3: Can I use an old UBGB or DBGB IFSC code for a transaction to Bihar Gramin Bank?

A3: No, after the merger, all old IFSC codes of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been revoked. You must use the new, consolidated IFSC codes like PUNB0MBGB06 for any transactions with Bihar Gramin Bank branches.

Q4: What should I do if my bank asks for a MICR code?

A4: The MICR (Magnetic Ink Character Recognition) code for Bihar Gramin Bank, Belsandi branch is 800811002. This code is primarily used for clearing paper-based instruments like cheques. You can find it on your cheque leaf or in the branch details.

Q5: Is it safe to share my bank’s IFSC code?

A5: Yes, it is generally safe to share your bank’s IFSC code. The IFSC code only helps in identifying your bank and branch for receiving funds. It does not provide access to your account or any sensitive financial information that could compromise your security. However, always be cautious about sharing your account number or other personal details with untrustworthy sources.