The Bihar Gramin Bank branch in BIRPUR is located in the Bhojpur district of Bihar. For anyone looking to send or receive money through this branch, understanding its Indian Financial System Code (IFSC) is essential. This 11-character code is a unique identifier assigned by the Reserve Bank of India (RBI) to every bank branch. It plays a critical role in routing online fund transfers, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS), ensuring your money reaches the correct account without errors.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | BIRPUR |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6923 |
| Branch Address | BIRPUR, Bhojpur, 802165, 7091596923 |
| Contact Number | 7091596923 |
| City | Bhojpur |
| District | Bhojpur |
| Reason | ARA |
| Pincode | 802165 |
| State | Bihar |
Merger and IFSC Code Update
It is important to note a significant change regarding this bank. Previously, rural banking in the state was handled by two separate entities: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have since merged to form the single Bihar Gramin Bank, which is sponsored by Punjab National Bank (PNB).
As a result of this merger, all old IFSC codes belonging to the former UBGB and DBGB branches are now invalid and have been revoked. All transactions for Bihar Gramin Bank, including the BIRPUR branch, must now use the new, unified IFSC code: PUNB0MBGB06. Using an old code will lead to transaction failure.
What is an IFSC Code?
The IFSC code is an 11-character alphanumeric code that uniquely identifies a bank branch participating in the NEFT system. The structure is designed to be easily readable by both humans and computer systems.
Let’s break down the IFSC code PUNB0MBGB06:
- PUNB: The first four letters represent the bank’s name. In this case, ‘PUNB’ stands for 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 bank branch. For the merged Bihar Gramin Bank, this part of the code is standardized across its branches.
How to Use the IFSC Code
Using the IFSC code for an online money transfer is a straightforward process. Whether you are using a mobile banking app or an internet banking portal, the steps are generally the same.
- Log in to your net banking or mobile banking application.
- Navigate to the ‘Fund Transfer’ or ‘Payments’ section.
- Choose the payment method: NEFT, RTGS, or IMPS.
- Add a new beneficiary (or payee). You will be prompted to enter the recipient’s account details.
- Enter the beneficiary’s name, account number, and the IFSC code: PUNB0MBGB06.
- Double-check all the details to ensure accuracy and confirm the transaction. The bank system uses the IFSC code to route the funds to the correct destination branch.
Benefits of Using the Correct IFSC Code
- Transaction Accuracy: It ensures that your money is sent to the exact bank and branch you intend, eliminating routing errors.
- Faster Processing: Correct codes enable automated systems to process transactions quickly without manual intervention.
- Prevents Failed Payments: Using a valid and current IFSC code like PUNB0MBGB06 prevents transactions from being rejected or delayed.
- Security: The code acts as a security check, confirming that the account number is linked to a legitimate branch in the RBI’s network.
Contact Information
For direct assistance or queries, you can contact the bank through the following channels.
- Branch Contact Number: 7091596923
- Branch Address: BIRPUR, Bhojpur, Bihar – 802165
- Head Office Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
- Toll-Free Number: 18001807777
Frequently Asked Questions
1. What is the current and valid IFSC code for the Bihar Gramin Bank BIRPUR branch?
The only valid IFSC code for the BIRPUR branch and all other branches of Bihar Gramin Bank is PUNB0MBGB06.
2. Can I still use my old Dakshin Bihar Gramin Bank (DBGB) IFSC code for transactions?
No. All IFSC codes associated with the former Dakshin Bihar Gramin Bank and Uttar Bihar Gramin Bank are now obsolete. Using them will result in a failed transaction. You must use the new code.
3. Why does the Bihar Gramin Bank IFSC code start with ‘PUNB’?
The code starts with ‘PUNB’ because Bihar Gramin Bank is sponsored by Punjab National Bank (PNB). The first four characters of an IFSC code always represent the core bank or the sponsor bank in the network.
4. What is the difference between an IFSC code and a MICR code?
The IFSC code is used for online electronic fund transfers like NEFT and RTGS. The MICR (Magnetic Ink Character Recognition) code is a 9-digit code found at the bottom of a cheque leaf, used for faster processing of cheques.
5. What happens if I accidentally use the wrong IFSC code?
If the incorrect IFSC code does not exist, the transaction will be rejected, and the money will be credited back to your account, usually within a few hours. However, if the code corresponds to another branch (even if the account number is wrong), the funds might be routed there and could take longer to be returned.
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.