Bihar Gramin Bank BIKRAM IFSC Code

This article provides details about the Bihar Gramin Bank branch located in Bikram, a town in the Patna district of Bihar. Understanding the Indian Financial System Code (IFSC) for this branch is crucial for anyone needing to transfer funds electronically. The IFSC code is like a unique address for each bank branch, making sure that money sent through systems like NEFT, RTGS, and IMPS reaches the correct account without errors.

Branch Details

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

Bank Name	Bihar Gramin Bank
Branch Name	BIKRAM
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7430
Branch Address	BIKRAM, Patna, 801104, 9771464430
Contact Number	9771464430
City	Patna
District	Patna
Reason	PATNA
Pincode	801104
State	Bihar

Merger Update

For those who previously banked with Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), it is important to note a significant change. Both of these banks have merged. Following this merger, the unified entity now operates under the sponsorship of Punjab National Bank and uses a single, standardized IFSC code: PUNB0MBGB06. This means that any old IFSC codes associated with UBGB or DBGB are no longer valid for transactions. All financial transfers must now use PUNB0MBGB06 for branches falling under this merged structure, including Bihar Gramin Bank’s Bikram branch.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code. It’s used to identify specific bank branches in India for electronic fund transfers. Each part of the code has a meaning:

• The first four characters identify the bank. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, which is the sponsor bank for Bihar Gramin Bank (and the merged entity).
• The fifth character is always a zero (0). This is kept as a control character for future use.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” refers to the particular branch, in this case, the Bikram branch.

Knowing this structure helps you understand the code better and ensures you’re using the correct one.

How to Use an IFSC Code

Using an IFSC code is straightforward when you’re making online fund transfers through NEFT, RTGS, or IMPS. Here’s a step-by-step guide:

1. Log In: Access your bank’s net banking portal or mobile banking app.
2. Select Transfer Option: Choose “Fund Transfer,” “NEFT,” “RTGS,” or “IMPS,” depending on your need.
3. Add Beneficiary: If you haven’t transferred money to this person or entity before, you’ll need to add them as a new beneficiary.
4. Enter Beneficiary Details: Provide the beneficiary’s name, their bank account number, and the correct IFSC code (PUNB0MBGB06 for the Bikram branch).
5. Confirm Details: Double-check all the entered information, especially the account number and IFSC code, to avoid errors.
6. Enter Amount: Specify the amount you wish to transfer.
7. Authorize Transaction: Complete the transfer using your transaction password or OTP (One-Time Password).

For example, if you need to send money to an account holder at Bihar Gramin Bank, Bikram branch, you would enter their account number and “PUNB0MBGB06” in the IFSC field during the transfer process.

Benefits of Knowing Your IFSC Code

Having easy access to the correct IFSC code offers several advantages:

• It enables quick and secure online fund transfers via NEFT, RTGS, and IMPS.
• It reduces the risk of transferring money to the wrong bank or branch, as the code acts as a precise identifier.
• It is essential for receiving payments from others into your account.
• It helps in verifying bank branch details for various financial services and applications.
• It simplifies banking transactions, making them more efficient for both individuals and businesses.

Contact Information

For direct inquiries or assistance related to the Bihar Gramin Bank Bikram branch or the head office, you can use the following contact details:

• Branch Phone Number: 9771464430
• Branch Address: BIKRAM, Patna, 801104
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

Here are answers to some common questions about IFSC codes and Bihar Gramin Bank:

Q1: Is PUNB0MBGB06 the only valid IFSC code for Bihar Gramin Bank branches now?
A1: Yes, following the merger of Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank, the unified entity now uses PUNB0MBGB06 as the standard IFSC code for its branches, including the Bikram branch of Bihar Gramin Bank. Old codes are no longer valid for new transactions.

Q2: What is the MICR code for the Bihar Gramin Bank Bikram branch?
A2: The MICR (Magnetic Ink Character Recognition) code for the Bihar Gramin Bank Bikram branch is 800811002. This code is primarily used for processing physical cheques.

Q3: Can I find the IFSC code on my bank passbook or cheque book?
A3: Yes, the IFSC code is typically printed on the first page of your bank passbook and on the top part of your cheque leaves. You can also find it on the bank’s official website or through online IFSC lookup tools.

Q4: What happens if I use an incorrect IFSC code for a transfer?
A4: If you use an incorrect IFSC code, the transaction will likely fail. The banking system will detect that the code doesn’t match the account number or branch details and reject the transfer, returning the funds to your account. However, in rare cases, if the incorrect IFSC code corresponds to another valid branch and account, funds could be misdirected, which is why double-checking is crucial.

Q5: Is an IFSC code required for all types of bank transactions?
A5: An IFSC code is specifically required for electronic fund transfers like NEFT, RTGS, and IMPS. It is not needed for cash deposits, ATM withdrawals, or other in-person branch transactions.