Bihar Gramin Bank Bishanpur Daulat IFSC Code

Welcome to Bishanpur Daulat, a vibrant part of the Supaul district in Bihar. When you need to send or receive money, understanding your bank’s IFSC code is crucial. For transactions like National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS), the Indian Financial System Code (IFSC) acts as a unique digital address for your bank branch. It ensures your funds reach the correct destination quickly and securely.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Bishanpur Daulat
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	108109
Branch Address	Bishanpur Daulat, SUPAUL, 852201, 9297954241
Contact Number	9297954241
City	Supaul
District	Supaul
Region	Saharsa
Pincode	852201
State	Bihar

Merger Update

Bihar Gramin Bank has a significant history of regional bank mergers. Previously, banks like Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were prominent. Both these entities, among others, have undergone mergers to streamline operations and enhance financial services. Today, institutions like Bihar Gramin Bank operate under the sponsorship of Punjab National Bank, which is reflected in their IFSC codes.

Specifically, the Bishanpur Daulat branch now uses the IFSC code PUNB0MBGB06. This code signifies its current operational structure under Punjab National Bank’s umbrella. It is critical to understand that any old IFSC codes previously used by UBGB or DBGB branches that are now part of Bihar Gramin Bank have been revoked. For any modern financial transaction with this branch, only the new IFSC code, PUNB0MBGB06, is valid. Using outdated codes will result in failed transactions.

What is an IFSC Code?

The IFSC, or Indian Financial System Code, is an 11-character alphanumeric code. It uniquely identifies every bank branch participating in online money transfers in India. Think of it like a specific address for a particular bank branch within the vast banking network.

The structure of an IFSC code is standard:

• The first four characters represent the bank’s name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank.
• The fifth character is always ‘0’ (zero). This character is reserved for future use and acts as a control digit.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” identifies the Bishanpur Daulat branch within the Bihar Gramin Bank system.

How to Use an IFSC Code

Using the IFSC code is a straightforward process when you’re setting up an online fund transfer. Here’s how it generally works for NEFT, RTGS, and IMPS:

1. Log in to your Net Banking or Mobile Banking App: Access your bank’s online platform.
2. Select Fund Transfer Option: Look for options like “NEFT,” “RTGS,” or “IMPS.”
3. Add a New Beneficiary: If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary.
4. Enter Beneficiary Details:
• Beneficiary Account Number (the recipient’s bank account number)
• Beneficiary Name (the recipient’s full name)
• Beneficiary Bank Name (e.g., Bihar Gramin Bank)
• Beneficiary Branch Name (e.g., Bishanpur Daulat)
• Beneficiary IFSC Code: This is where you’ll enter PUNB0MBGB06.
5. Confirm and Transact: After adding and verifying the beneficiary, you can proceed to enter the amount and complete the transaction.

Always double-check the IFSC code and account number before confirming any transfer. A small mistake can lead to funds being sent to the wrong account.

Benefits of Knowing Your IFSC Code

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

• Enables Online Fund Transfers: It is essential for all electronic money transfers, including NEFT, RTGS, and IMPS, allowing you to send and receive funds quickly.
• Ensures Accuracy: The unique 11-character code directs your money to the precise bank and branch, minimizing the risk of errors.
• Speeds Up Transactions: Electronic transfers are much faster than traditional methods like cheques, with funds often credited within minutes for IMPS, or a few hours for NEFT/RTGS.
• Simplifies Payments: Whether paying bills, sending money to family, or making business payments, the IFSC code simplifies the process by making it entirely digital.
• Reduces Manual Errors: By standardizing the branch identification, it significantly reduces the chances of human error during manual data entry for large volumes of transactions.

Contact Information

For any queries related to your account or transactions with Bihar Gramin Bank, Bishanpur Daulat branch, you can use the following contact details:

Branch Phone Number: 9297954241

Branch Address: Bishanpur Daulat, SUPAUL, 852201, Bihar

Head Office Address (Bihar Gramin Bank): SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: What does PUNB0MBGB06 mean?
A1: PUNB0MBGB06 is the Indian Financial System Code (IFSC) for the Bihar Gramin Bank, Bishanpur Daulat branch. “PUNB” stands for Punjab National Bank (the sponsoring bank), the ‘0’ is a control character, and “MBGB06” identifies the specific Bishanpur Daulat branch.

Q2: Can I use an old IFSC code for Bihar Gramin Bank if it’s now part of a merger?
A2: No, you should always use the current and valid IFSC code. If your branch was previously part of Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) and is now under Bihar Gramin Bank with a new IFSC like PUNB0MBGB06, the old codes are no longer valid for transactions. Using them will cause your transaction to fail.

Q3: Is the IFSC code the same as the MICR code?
A3: No, they are different. The IFSC code (e.g., PUNB0MBGB06) is used for online electronic fund transfers (NEFT, RTGS, IMPS). The MICR (Magnetic Ink Character Recognition) code (e.g., 800811002) is a 9-digit code primarily used for processing cheques and identifying the bank branch.

Q4: Where can I find the IFSC code for my branch?
A4: You can find your branch’s IFSC code on your cheque book, bank passbook, or by logging into your bank’s official net banking portal or mobile app. You can also find it on the Reserve Bank of India (RBI) website or reliable financial information websites.

Q5: What happens if I enter the wrong IFSC code during a transaction?
A5: If you enter an incorrect IFSC code, the transaction will most likely fail immediately. The banking system will detect that the code does not match the beneficiary’s bank account details and will not process the transfer. This safeguards your funds from being sent to an unintended recipient.