Bihar Gramin Bank Bhairoganj IFSC Code

The Bihar Gramin Bank branch in Bhairoganj, located in the West Champaran district of Bihar, serves as an important financial hub for the local community. When you need to send or receive money electronically, especially for transfers like NEFT, RTGS, or IMPS, knowing the correct IFSC (Indian Financial System Code) for this branch is essential. This unique code ensures your money reaches the right bank and the correct branch quickly and securely, preventing any delays or errors in your transactions.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Bhairoganj
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100207
Branch Address	Bhairoganj, WEST CHAMPARAN, 845106, Bihar
Contact Number	9297954023
City	WEST CHAMPARAN
District	WEST CHAMPARAN
District Headquarter	BETTIAH
Pincode	845106
State	Bihar

Merger Update for Bihar Gramin Bank

Bihar Gramin Bank was formed through the significant merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This consolidation aimed to strengthen financial services in the region. Following this merger, Bihar Gramin Bank now operates under the sponsorship of Punjab National Bank (PNB).

Because of this change, all branches of the new Bihar Gramin Bank, including the Bhairoganj branch, now use a standardized IFSC code format that begins with the PNB identifier. Specifically, the IFSC code for the Bhairoganj branch is PUNB0MBGB06.

It is very important to note that any old IFSC codes previously used by Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches have been revoked. These older codes are no longer valid for any electronic fund transfers. For all current and future transactions involving Bihar Gramin Bank, only the new IFSC codes, such as PUNB0MBGB06 for Bhairoganj, are valid. Using an outdated code will cause your transaction to fail.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code. It uniquely identifies every bank branch participating in online money transfers within India. This code is crucial for ensuring that money is sent to the precise bank and branch you intend.

Let’s break down the IFSC code for Bihar Gramin Bank, Bhairoganj: PUNB0MBGB06.

• The first four characters (“PUNB”) identify the bank. In this case, “PUNB” stands for Punjab National Bank, which is 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 (“MBGB06”) identify the specific branch. “MBGB” likely signifies the merged Bihar Gramin Bank entity, and “06” is the unique code for the Bhairoganj branch.

How to Use IFSC Code

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

1. Log In to Your Online Banking: Access your bank’s net banking portal or mobile banking app.
2. Initiate a Fund Transfer: Select the option for NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service).
3. Add a New Beneficiary: If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary.
4. Enter Beneficiary Details: You will need to provide the following information:
   • Beneficiary Account Number (the account where the money will go).
   • Beneficiary Name (the name of the account holder).
   • IFSC Code (for Bhairoganj branch, this is PUNB0MBGB06).
   • Bank Name (Bihar Gramin Bank).
   • Branch Name (Bhairoganj).
5. Confirm and Transfer: After adding the beneficiary, select them, enter the amount you wish to transfer, and confirm the transaction using your password or OTP (One Time Password).

For cash deposits or other in-person services at the Bhairoganj branch, you typically do not need the IFSC code. It is primarily for electronic transactions.

Benefits of Knowing Your IFSC Code

Having the correct IFSC code for your bank branch offers several key advantages:

• Accurate Fund Transfers: It ensures your money reaches the exact intended branch, reducing the risk of funds being misdirected.
• Speedy Transactions: For services like IMPS and RTGS, which are near-instant or real-time, the correct IFSC code facilitates quick processing.
• Enhanced Security: The unique identification helps in tracking transactions and adds a layer of security to your financial dealings.
• Nationwide Access: It enables you to send and receive money from any bank branch across India that supports electronic transfers.
• Convenience: It simplifies online banking, making it easier to manage your finances without needing to visit a physical branch for every transfer.

Contact Information

For any inquiries or assistance, you can reach out using the following details:

Bihar Gramin Bank, Bhairoganj Branch:

• Phone Number: 9297954023
• Branch Address: Bhairoganj, WEST CHAMPARAN, 845106, Bihar

Bihar Gramin Bank Head Office:

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

Frequently Asked Questions (FAQs)

Q1: Is the IFSC code PUNB0MBGB06 valid for all Bihar Gramin Bank branches?

No, PUNB0MBGB06 is the specific IFSC code for the Bhairoganj branch only. While all Bihar Gramin Bank branches will start with “PUNB0”, the last six characters will be unique to each branch. Always verify the specific IFSC code for the particular branch you are dealing with.

Q2: Can I use an old Uttar Bihar Gramin Bank (UBGB) IFSC code for transactions?

No, old UBGB or Dakshin Bihar Gramin Bank (DBGB) IFSC codes are no longer valid. Following the merger, all transactions must use the new IFSC codes issued under Bihar Gramin Bank, which begin with “PUNB0”. Using an old code will result in a failed transaction.

Q3: What is the difference between NEFT, RTGS, and IMPS?

NEFT (National Electronic Funds Transfer) processes transactions in batches, usually within a few hours. RTGS (Real Time Gross Settlement) processes large-value transactions individually and in real-time, meaning funds are transferred almost instantly. IMPS (Immediate Payment Service) allows instant, 24/7 fund transfers, even on holidays, for smaller amounts.

Q4: Do I need an IFSC code for cash withdrawals from an ATM?

No, you do not need an IFSC code for cash withdrawals from an ATM. Your debit card and PIN are sufficient for ATM transactions. The IFSC code is exclusively for electronic fund transfers between bank accounts.

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

You can usually find the IFSC code on your bank passbook, cheque book, or by visiting the official website of Bihar Gramin Bank or Punjab National Bank. Many online banking apps also display the branch IFSC code under their branch locator or account details sections.