Bihar Gramin Bank BELWANIYA IFSC Code

The Bihar Gramin Bank branch in BELWANIYA is located in the Bhojpur district of Bihar. For anyone looking to send or receive money through this branch, understanding its unique codes is essential. The Indian Financial System Code (IFSC) is a critical piece of information for all online fund transfers in India, including NEFT, RTGS, and IMPS. This 11-character code acts like a specific address, ensuring that your money is routed correctly to the intended bank and branch without any errors or delays.

Branch Details

Merger and IFSC Code Update

It’s important to know that Bihar Gramin Bank was formed by merging two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). After the merger, the new entity is sponsored by Punjab National Bank (PNB). This is why the new IFSC codes for all Bihar Gramin Bank branches now start with ‘PUNB’.

All old IFSC codes previously assigned to Dakshin Bihar Gramin Bank or Uttar Bihar Gramin Bank branches have been revoked and are no longer valid. To ensure your transactions are successful, you must use the new IFSC code, PUNB0MBGB06, for the BELWANIYA branch. Using an old code will result in a failed or rejected transfer.

What is an IFSC Code?

The IFSC code 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 system. The code has a specific structure that helps route transactions efficiently.

Let’s break down the IFSC code for the BELWANIYA branch, PUNB0MBGB06:

• PUNB: The first four letters represent the name of the bank. In this case, it signifies Punjab National Bank, the sponsor bank.
• 0: The fifth character is always a zero. It is a control character reserved for future use.
• MBGB06: The last six characters uniquely identify the specific branch. For Bihar Gramin Bank, this part often starts with ‘MBGB’ followed by a unique branch identifier.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for an online money transfer is a straightforward process. Whether you are using NEFT, RTGS, or IMPS, the steps are generally the same.

1. Log In: Access your account through your bank’s net banking portal or mobile banking application.
2. Select Fund Transfer: Navigate to the fund transfer section and choose your preferred method (NEFT for standard transfers, RTGS for high-value transfers, or IMPS for instant transfers).
3. Add Beneficiary: You will need to add the recipient as a beneficiary or payee. This is where you enter their details.
4. Enter Details: Fill in the required fields: the recipient’s name, their bank account number, and the IFSC code of their branch (PUNB0MBGB06 for BELWANIYA).
5. Verify and Confirm: Double-check all the details, especially the account number and IFSC code, before confirming the transaction with your password or PIN.

Benefits of Using the Correct IFSC Code

Knowing and using the correct IFSC code offers several practical advantages:

• Accuracy: It ensures your funds are credited to the exact bank and branch you intended, eliminating guesswork.
• Speed: The code allows for automated processing, which significantly speeds up the transfer process.
• Error Prevention: It minimizes the risk of transactions being rejected or, worse, sent to the wrong account due to manual errors.
• Security: It adds a layer of validation to the transaction, making the electronic fund transfer system more reliable and secure.

Contact Information

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

BELWANIYA Branch
Phone: 7541807514
Address: BELWANIYA, Bhojpur, Bihar – 802154

Bihar Gramin Bank Head Office
Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
Toll-Free Number: 1800-180-7777

Frequently Asked Questions

Why does the Bihar Gramin Bank IFSC code begin with ‘PUNB’?

The code starts with ‘PUNB’ because Punjab National Bank (PNB) is the sponsor bank for Bihar Gramin Bank after the merger of UBGB and DBGB. The IFSC codes now reflect the parent bank’s identifier.

Can I still use my old Dakshin Bihar Gramin Bank (DBGB) IFSC code?

No. All old IFSC codes associated with DBGB and UBGB are now invalid. You must use the new PNB-sponsored codes for all transactions to avoid failures.

What could happen if I enter an incorrect IFSC code?

If the IFSC code is incorrect, the transaction will likely be rejected and the funds returned to your account. In rare cases, if the wrong code matches another valid branch, the funds could be misdirected, leading to delays in recovery.

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

No. While the first four characters (‘PUNB’) are common across all branches, the last six characters are unique to each specific branch. Always use the code designated for the recipient’s branch.

Do I need an IFSC code for UPI payments?

No, standard UPI payments made to a VPA (Virtual Payment Address), like name@upi, do not require an IFSC code. However, if you are adding a bank account to your UPI app or sending money directly to an account number via UPI, you will need to provide the IFSC code.

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.