Bihar Gramin Bank Bhirkhiya IFSC Code

This article provides key details about the Bihar Gramin Bank branch located in Bhirkhiya, East Champaran, Bihar. When you need to send money electronically in India, an IFSC code is crucial. It ensures that your funds, whether sent via NEFT, RTGS, or IMPS, reach the correct bank and specific branch. Knowing this code is essential for smooth and secure financial transactions.

Branch Details

Detail	Information
Bank Name	Bihar Gramin Bank
Branch Name	Bhirkhiya
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100300
Branch Address	Bhirkhiya, EAST CHAMPARAN, 845412, 9297954614
Contact Number	9297954614
City	EAST CHAMPARAN
District	EAST CHAMPARAN
Reason	MOTIHARI
Pincode	845412
State	Bihar

Merger Update

Bihar Gramin Bank was formed through the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this merger, all branches of the erstwhile UBGB and DBGB now operate under the unified identity of Bihar Gramin Bank. This new entity is sponsored by Punjab National Bank.

As a result of this restructuring, a single, standardized IFSC code format has been adopted for all Bihar Gramin Bank branches. The old IFSC codes previously used by Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank branches have been revoked and are no longer valid for any transactions. For the Bhirkhiya branch, as with all other branches of Bihar Gramin Bank, only the new IFSC code, which is PUNB0MBGB06, is to be used for all electronic fund transfers. It is important to always use this new, valid IFSC code to ensure your transactions are processed correctly.

What is an IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify every bank branch in India participating in electronic funds transfers. This unique code helps to accurately route transactions, ensuring money reaches the correct recipient’s account at the right branch.

The IFSC code is structured in a specific way:

• The first four characters identify the bank. For example, in PUNB0MBGB06, “PUNB” signifies Punjab National Bank, which is the sponsor bank for Bihar Gramin Bank.
• The fifth character is always a zero (0). This character is reserved for future use and acts as a control digit.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” uniquely identifies the Bhirkhiya branch of Bihar Gramin Bank.

This precise structure ensures that no two branches have the same IFSC code, making electronic transfers highly reliable.

How to Use an IFSC Code

Using an IFSC code for electronic fund transfers like NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service) is a straightforward process. Here are the general steps:

1. Log in to Your Banking Account: Access your bank’s online banking portal or mobile banking application.
2. Initiate a Fund Transfer: Navigate to the ‘Fund Transfer’ or ‘Payments’ section.
3. Add a Beneficiary (if new): If you’re sending money to someone for the first time, you will need to add them as a beneficiary. This usually involves entering their name, account number, account type (savings or current), and the IFSC code.
4. Enter the IFSC Code: For the Bihar Gramin Bank Bhirkhiya branch, you will enter PUNB0MBGB06 in the designated IFSC field.
5. Enter Other Details: Provide the beneficiary’s bank account number, the amount you wish to transfer, and select the type of transfer (NEFT, RTGS, or IMPS).
6. Review and Confirm: Carefully review all the details you’ve entered, especially the account number and IFSC code, to avoid errors. Once confirmed, authorize the transaction using your password or PIN.

For NEFT, funds are processed in batches throughout the day. RTGS is for high-value transactions and processes funds in real-time. IMPS allows for immediate, 24/7 transfers, typically for smaller amounts. In all these methods, the correct IFSC code is vital for directing your funds accurately.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch, or for any branch you wish to transfer funds to, offers several important benefits:

• Enables Electronic Transfers: It is absolutely essential for performing NEFT, RTGS, and IMPS transactions, allowing for quick and efficient money transfers.
• Ensures Accuracy: The unique nature of the IFSC code prevents funds from being misdirected, ensuring your money reaches the intended recipient’s specific bank branch.
• Facilitates Online Banking: Modern banking relies heavily on these codes for seamless online fund movements, making banking more convenient.
• Simplifies Branch Identification: Each IFSC code clearly identifies a particular bank and its branch, removing any ambiguity.
• Supports Digital Economy: It is a fundamental component of India’s digital payment infrastructure, promoting secure and reliable cashless transactions.

Contact Information

Should you need to contact the Bihar Gramin Bank Bhirkhiya branch or the Head Office, here are the details:

• Branch Phone Number: 9297954614
• Branch Address: Bhirkhiya, EAST CHAMPARAN, 845412, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Here are some commonly asked questions regarding the Bihar Gramin Bank Bhirkhiya IFSC code:

Q1: What is the IFSC code for Bihar Gramin Bank Bhirkhiya branch?
A1: The IFSC code for the Bihar Gramin Bank Bhirkhiya branch is PUNB0MBGB06.

Q2: Why does the IFSC code for Bihar Gramin Bank start with “PUNB0”?
A2: Bihar Gramin Bank is sponsored by Punjab National Bank. The “PUNB” prefix in the IFSC code signifies this relationship, indicating the sponsoring bank.

Q3: Are the old IFSC codes for Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank still valid?
A3: No. Following the merger that formed Bihar Gramin Bank, all old IFSC codes for Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank branches have been revoked. Only the new unified IFSC codes, such as PUNB0MBGB06, are valid for transactions.

Q4: Can I use this IFSC code for international money transfers?
A4: No, IFSC codes are specifically for domestic electronic fund transfers within India. For international money transfers, you would typically need a SWIFT code (Society for Worldwide Interbank Financial Telecommunication) or BIC (Bank Identifier Code).

Q5: What is the MICR code for Bihar Gramin Bank Bhirkhiya branch?
A5: The MICR (Magnetic Ink Character Recognition) code for the Bihar Gramin Bank Bhirkhiya branch is 800811002. This code is found on cheque leaves and is used for processing cheques.