The Birnagar branch of Bihar Gramin Bank is located in Araria, Bihar. For anyone looking to send or receive money online through this branch, understanding the IFSC code is essential. The Indian Financial System Code (IFSC) is a unique 11-character code assigned by the Reserve Bank of India to every bank branch. It acts like a specific mailing address for electronic fund transfers, ensuring that your money reaches the correct account through services like NEFT, RTGS, and IMPS.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Birnagar |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100762 |
| Branch Address | Birnagar, ARARIA, 854102, 9297954361 |
| Contact Number | 9297954361 |
| City | ARARIA |
| District | ARARIA |
| Reason | ARARIA |
| Pincode | 854102 |
| State | Bihar |
Merger and IFSC 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 Following this amalgamation, the old IFSC codes associated with UBGB and DBGB branches are no longer valid and have been revoked. All branches now operate under new IFSC codes sponsored by Punjab National Bank (PNB). For any online transaction, it is critical to use only the new, updated IFSC code, such as PUNB0MBGB06 for the Birnagar branch, to avoid payment failures.
What is an IFSC Code?
The IFSC is an 11-character code that uniquely identifies a bank branch for online transactions. Its structure is simple and logical, ensuring accuracy in the digital banking network.
Let’s break down the IFSC code for the Birnagar branch, PUNB0MBGB06:
- PUNB: The first four letters represent the bank’s name. In this case, it is Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
- 0: The fifth character is always a zero. It is reserved for future use by the RBI.
- MBGB06: The last six characters identify the specific branch. This part of the code is unique to the Birnagar branch.
How to Use the IFSC Code
Using the IFSC code for a fund transfer is a straightforward process. Whether you are using a mobile banking app or a web portal, the steps are generally the same.
- Log in to your internet banking account or mobile banking application.
- Navigate to the “Fund Transfer” section and select the payment method: NEFT, RTGS, or IMPS.
- Add the recipient as a “beneficiary” or “payee.” You will be asked for their name, account number, and bank details.
- Enter the correct IFSC code for the beneficiary’s branch. For the Birnagar branch, this would be PUNB0MBGB06.
- Verify all the details carefully, enter the amount, and confirm the transaction.
Why Knowing the IFSC Code is Important
- Ensures Accuracy: The IFSC code directs your money to the exact bank branch, preventing funds from being misrouted.
- Prevents Failures: A correct IFSC is mandatory for a successful transaction. An incorrect code will cause the transfer to be rejected.
- Enables Fast Transfers: It is a key component for automated systems like IMPS (Immediate Payment Service), which allow for instant money transfers.
- Universal Requirement: All major electronic payment systems in India, including NEFT and RTGS, rely on the IFSC to process transactions.
Contact Information
For any questions or direct assistance, you can reach out to the branch or the bank’s head office.
Birnagar Branch
Phone: 9297954361
Address: Birnagar, ARARIA, 854102, BIHAR
Head Office
Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-Free Number: 18001807777
Frequently Asked Questions
Can I still use my old Uttar Bihar Gramin Bank (UBGB) IFSC code?
No. After the merger, all old IFSC codes for both UBGB and Dakshin Bihar Gramin Bank have been deactivated. You must use the new IFSC code for all transactions.
What happens if I enter the wrong IFSC code?
The transaction will most likely fail and the amount will be credited back to your account. However, if the incorrect IFSC code belongs to another valid branch, the funds could be misdirected, so it is crucial to double-check the code before confirming.
Is the IFSC code the same for all Bihar Gramin Bank branches?
No. While the first part of the code (PUNB) is related to the sponsor bank, the last six characters are unique to each individual branch.
Do I need an IFSC code for UPI payments?
You do not need an IFSC code for standard UPI transfers made using a VPA (e.g., yourname@okhdfcbank) or a QR code. However, it is required if you are adding a bank account to your UPI app using the account number and IFSC method.
Where can I find the correct IFSC code for my branch?
The most reliable sources are your bank-issued chequebook or passbook. You can also find it on the official website of Bihar Gramin Bank or by contacting your branch directly.
Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.