Bihar Gramin Bank Bettiah IFSC Code

In Bettiah, a bustling area in the West Champaran district of Bihar, understanding banking essentials like the IFSC code is crucial for anyone managing their finances. An IFSC, or Indian Financial System Code, acts like a unique digital address for every bank branch across India. It’s especially vital for sending or receiving money through online methods such as NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). Without the correct IFSC code, these digital fund transfers cannot be processed accurately or securely, making it a fundamental piece of information for modern banking.

Branch Details

Here are the key details for the Bihar Gramin Bank branch located in Bettiah:

Bank Name	Bihar Gramin Bank
Branch Name	Bettiah
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100198
Branch Address	Bettiah, WEST CHAMPARAN, 845438
Contact Number	9297954021
City	WEST CHAMPARAN
District	WEST CHAMPARAN
Reason	BETTIAH
Pincode	845438
State	Bihar

Merger Update

The banking landscape in Bihar has seen significant changes, particularly with regional rural banks. Previously, various gramin banks, including Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB), operated independently. However, these entities, along with Madhya Bihar Gramin Bank and Kosi Kshetriya Gramin Bank, have undergone mergers to form the current Bihar Gramin Bank. This consolidation streamlines operations and provides a unified banking experience.

As a result of these mergers, all branches of Bihar Gramin Bank now operate under a single, standardized IFSC code structure sponsored by Punjab National Bank. For the Bettiah branch of Bihar Gramin Bank, the valid IFSC code is PUNB0MBGB06. It is crucial for customers to note that any old IFSC codes associated with former entities like UBGB or DBGB for branches now under Bihar Gramin Bank are no longer valid. For all fund transfers and online transactions, only the new IFSC code, PUNB0MBGB06, should be used to ensure your transactions are processed correctly and without delays.

What is an IFSC Code?

An IFSC Code is an 11-character alphanumeric code that uniquely identifies every bank branch participating in online fund transfers in India. It’s a system put in place by the Reserve Bank of India (RBI) to ensure secure and accurate digital transactions.

Let’s break down the structure of the IFSC code for Bihar Gramin Bank, Bettiah, which is PUNB0MBGB06:

• First 4 Characters (PUNB): These represent the bank code. In this case, “PUNB” stands for Punjab National Bank, which is the sponsor bank for Bihar Gramin Bank.
• Fifth Character (0): This character is always a ‘0’ (zero). It’s kept as a control character for future use within the RBI’s system.
• Last 6 Characters (MBGB06): These characters uniquely identify the specific branch. “MBGB” refers to the regional rural bank itself (Madhya Bihar Gramin Bank, which is part of the merged Bihar Gramin Bank), and “06” is the specific branch code for Bettiah.

Understanding this structure helps you verify the code and ensures you are sending money to the correct bank and branch.

How to Use an IFSC Code

Using an IFSC code is a straightforward process when you’re making online fund transfers. Whether you’re using NEFT, RTGS, or IMPS, the steps are generally similar:

1. Log In to Your Banking Portal: Access your net banking account or mobile banking application using your credentials.
2. Select Fund Transfer Option: Look for options like “Fund Transfer,” “Payments,” or “Transfer Money.” Then choose the type of transfer you want to make (NEFT, RTGS, or IMPS).
3. Add Beneficiary Details: If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary. This typically involves providing:
   • The beneficiary’s full name.
   • Their bank account number (often entered twice for confirmation).
   • The beneficiary’s bank name (e.g., Bihar Gramin Bank).
   • The beneficiary’s bank branch name (e.g., Bettiah).
   • The IFSC code of the beneficiary’s branch (e.g., PUNB0MBGB06).
4. Verify Details: Always double-check all the entered information, especially the account number and IFSC code, to prevent errors in the transfer.
5. Enter Amount and Remarks: Specify the amount you wish to transfer and add a remark or description for the transaction (e.g., “Monthly Rent,” “Bill Payment”).
6. Confirm Transaction: Review the final details and confirm the transfer. You might need to enter an OTP (One-Time Password) sent to your registered mobile number or use another authentication method to complete the transaction.

Following these steps carefully ensures your funds reach the intended recipient without any issues.

Benefits of Knowing Your IFSC Code

Having ready access to the correct IFSC code for your bank branch offers several practical advantages:

• Accurate Fund Transfers: It guarantees that your money is sent to the precise bank and branch you intend, minimizing the risk of funds being misdirected.
• Enables Digital Transactions: The IFSC code is indispensable for all online fund transfer systems like NEFT, RTGS, and IMPS, facilitating fast and efficient digital banking.
• Faster Processing: By uniquely identifying the bank branch, the IFSC code helps in quicker processing of inter-bank transactions, ensuring funds reach their destination promptly.
• Enhanced Security: It adds an extra layer of verification, ensuring that only valid and recognized bank branches are part of the electronic transfer network.
• Convenience: Knowing the IFSC code eliminates the need for physical visits to the bank for certain transactions, allowing you to manage your money from anywhere.

Contact Information

For any inquiries or assistance related to the Bettiah branch of Bihar Gramin Bank, or general bank services, you can use the following contact details:

• Branch Phone Number (Bettiah): 9297954021
• Branch Address (Bettiah): Bettiah, WEST CHAMPARAN, 845438
• Head Office Address (Bihar Gramin Bank): SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

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

The IFSC code for Bihar Gramin Bank, Bettiah branch, is PUNB0MBGB06.

Is the old IFSC code for Uttar Bihar Gramin Bank Bettiah still valid?

No, due to the merger of Uttar Bihar Gramin Bank and other regional rural banks into Bihar Gramin Bank, any old IFSC codes are revoked. Only the new IFSC code, PUNB0MBGB06, is valid for transactions with the Bettiah branch.

Can I use the IFSC code for both NEFT and RTGS transactions?

Yes, the IFSC code PUNB0MBGB06 is used for all major online fund transfer methods, including NEFT, RTGS, and IMPS, for the Bihar Gramin Bank, Bettiah branch.

What does the ‘0’ in the 5th position of the IFSC code mean?

The fifth character in an IFSC code is always ‘0’ (zero). It acts as a control character and is reserved for future use by the Reserve Bank of India.

Where can I find the IFSC code for other Bihar Gramin Bank branches?

You can find the IFSC code for other Bihar Gramin Bank branches on the bank’s official website, your bank passbook, your cheque book, or through the Reserve Bank of India’s website.