Bihar Gramin Bank Bhaptiyahi IFSC Code

This article focuses on the Bhaptiyahi branch of Bihar Gramin Bank, located in Supaul, Bihar. We will look at its Indian Financial System Code (IFSC), which is essential for secure and quick digital fund transfers. Whether you are sending money through NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service), the correct IFSC code ensures your funds reach the intended bank and branch without issues.

Branch Details

Here are the key details for the Bhaptiyahi branch of Bihar Gramin Bank:

Bank Name	Bihar Gramin Bank
Branch Name	Bhaptiyahi
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100730
Branch Address	Bhaptiyahi, SUPAUL, 852114, 9297954236
Contact Number	9297954236
City	SUPAUL
District	SUPAUL
Reason	SAHARSA
Pincode	852114
State	Bihar

Merger Update

Several Regional Rural Banks (RRBs) have undergone mergers to streamline operations and offer better services. For instance, banks like Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have merged under the umbrella of Punjab National Bank, which acts as the sponsor bank for many such regional banks. This consolidation means that a single, standardized IFSC code is now used for transactions involving these merged entities.

For branches falling under this consolidated structure, older IFSC codes, specifically those previously used by UBGB or DBGB, have been revoked. The new, unified IFSC code, such as PUNB0MBGB06, is now the only valid code for all financial transactions. Always ensure you use the latest and correct IFSC code to avoid any transaction failures.

What is an IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code. It uniquely identifies every bank branch participating in online fund transfers. This code is crucial for directing your money to the right place. Here is how it is structured:

• The first four characters represent the bank name. For example, ‘PUNB’ stands for Punjab National Bank, which sponsors many regional rural banks.
• The fifth character is always a zero (0). This character is a control digit, reserved for future use.
• The last six characters identify the specific bank branch. For the Bhaptiyahi branch, this part of the code is ‘MBGB06’.

Understanding this structure helps you verify the code and ensure its accuracy before initiating a transfer.

How to Use the IFSC Code

Using the IFSC code is a straightforward process when you are making digital fund transfers via NEFT, RTGS, or IMPS. Here are the general steps:

1. Log in to your Net Banking or Mobile Banking App: Access your online banking portal or app on your smartphone.
2. Select Fund Transfer Option: Choose options like ‘Send Money’, ‘Transfer Funds’, or ‘Payments’.
3. Add Beneficiary (if new): If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary. This usually involves entering their name, account number, bank name, and the IFSC code.
4. Enter Transaction Details: Input the amount you wish to transfer.
5. Review and Confirm: Double-check all the details, especially the beneficiary’s account number and the IFSC code, before confirming the transaction. An incorrect IFSC can lead to delays or, in rare cases, misdirected funds.

Benefits of Knowing the IFSC Code

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

• It enables seamless and secure online fund transfers through NEFT, RTGS, and IMPS.
• It helps prevent errors in transactions, ensuring money reaches the correct recipient and branch.
• It is required for setting up direct debits or automated payments from your account.
• It’s essential for receiving payments from other banks, including salaries, refunds, or other incoming transfers.
• It provides a unique identifier for your specific bank branch, simplifying bank-to-bank communication.

Contact Information

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

• Branch Phone Number: 9297954236
• Branch Address: Bhaptiyahi, SUPAUL, 852114, 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 the same for all branches of Bihar Gramin Bank?

No, the IFSC code is unique for each specific branch. While the first four characters identify the bank (e.g., ‘PUNB’ for Punjab National Bank sponsored RRBs), the last six characters are unique to each branch. You must use the correct IFSC for the specific branch where the account is held.

Q2: What should I do if I enter a wrong IFSC code during a transfer?

If the entered IFSC code is invalid, the transaction will usually fail immediately, and your funds will not be debited. If an incorrect but valid IFSC code (belonging to another branch) is entered, the money might go to the wrong account. In such cases, contact your bank immediately for assistance. They will help trace the transaction.

Q3: Do I need an IFSC code for cash deposits or withdrawals at the branch?

No, the IFSC code is only required for electronic fund transfers (NEFT, RTGS, IMPS) between different bank accounts. For cash deposits or withdrawals directly at the branch, you typically only need your account number and identity verification.

Q4: Can I find the IFSC code on my chequebook?

Yes, the IFSC code is usually printed on the top left or right corner of your cheque leaves. It is also available on your bank passbook, bank statements, and on the bank’s official website.

Q5: Is it possible for an IFSC code to change?

While rare, an IFSC code can change, especially during bank mergers, reorganizations, or changes in sponsorship. If a bank branch’s IFSC code changes, the bank will generally notify its customers. Always verify the current IFSC code if you haven’t used it recently or if there have been significant changes in the banking sector.