Bihar Gramin Bank BYAPUR IFSC Code

When you need to send or receive money for the Bihar Gramin Bank branch located in BYAPUR, Patna, Bihar, understanding the Indian Financial System Code (IFSC) is key. This code acts like a digital address, ensuring your online money transfers through NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), or IMPS (Immediate Payment Service) reach the correct bank and branch without any issues. It’s a critical piece of information for secure and efficient financial transactions.

Branch Details Table

Here are the essential details for the Bihar Gramin Bank, BYAPUR branch:

Bank Name	Bihar Gramin Bank
Branch Name	BYAPUR
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7483
Branch Address	BYAPUR, Patna, 801509, 7781004483
Contact Number	7781004483
City	Patna
District	Patna
Pincode	801509
State	Bihar

Merger Update

Bihar Gramin Bank, like many regional rural banks, has undergone significant changes due to mergers. Historically, banks such as Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were prominent. These banks have since merged to form the current Bihar Gramin Bank, which is sponsored by Punjab National Bank.

Because of this merger, all branches of the unified Bihar Gramin Bank now operate under a single, standardized IFSC code structure. The IFSC code PUNB0MBGB06 for the BYAPUR branch reflects this change. It’s crucial to understand that any old IFSC codes associated with UBGB or DBGB for their former branches are now revoked and are no longer valid for transactions. To ensure successful fund transfers, always use the new, unified IFSC code, such as PUNB0MBGB06, for all Bihar Gramin Bank branches.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies every bank branch participating in online money transfers. Think of it as a specific postal code for financial transactions. Its structure is quite specific:

• The first four characters represent the bank name. For PUNB0MBGB06, “PUNB” stands for Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always a “0” (zero). This character is reserved for future use and remains constant across all IFSC codes.
• The last six characters identify the specific branch. In our example, “MBGB06” uniquely points to the BYAPUR branch of Bihar Gramin Bank.

This unique code ensures that when you initiate a transfer, your money goes to the exact branch you intend, preventing errors and ensuring accuracy.

How to Use an IFSC Code

Using the IFSC code for online fund transfers like NEFT, RTGS, or IMPS is a straightforward process. Here’s a general guide:

1. Log In to Your Net Banking or Mobile Banking App: Access your bank’s online platform.
2. Select Transfer Type: Choose the type of transfer you wish to make (NEFT, RTGS, or IMPS). NEFT is typically for deferred net settlements, RTGS for immediate large-value transfers, and IMPS for instant, smaller-value transfers.
3. Add Beneficiary (If New): If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary. This usually involves providing their name, account number, account type (savings, current), and the crucial IFSC code for their bank branch.
4. Enter IFSC Code: Carefully type in the 11-character IFSC code, for example, PUNB0MBGB06. Double-check for any typos.
5. Enter Amount: Specify the amount you wish to transfer.
6. Confirm Details: Review all the details – beneficiary name, account number, IFSC code, and amount – before confirming the transaction. Accuracy here is vital to prevent misdirected funds.

Once confirmed, your bank processes the transfer to the Bihar Gramin Bank, BYAPUR branch, using the provided IFSC code as the routing information.

Benefits of Knowing Your IFSC Code

Knowing and using the correct IFSC code offers several practical benefits:

• Ensures Accurate Transfers: It acts as a precise address, guiding your funds to the correct bank branch without errors.
• Enables Online Transactions: It is mandatory for all digital fund transfer methods like NEFT, RTGS, and IMPS, facilitating cashless transactions.
• Faster Processing: Correct IFSC codes help banks process transactions quickly and efficiently.
• Unique Identification: Each branch has a unique IFSC, making it easy to distinguish between different branches of the same bank, even in the same city.
• Reduces Risk of Errors: By uniquely identifying the target branch, it significantly reduces the chance of sending money to the wrong account or branch.

Contact Information

If you need to get in touch with Bihar Gramin Bank:

• BYAPUR Branch Phone Number: 7781004483
• BYAPUR Branch Address: BYAPUR, Patna, 801509, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Customer Service Number: 18001807777

Frequently Asked Questions

Here are some common questions about Bihar Gramin Bank’s IFSC codes:

Q1: What is the IFSC code for Bihar Gramin Bank, BYAPUR branch?
A1: The IFSC code for Bihar Gramin Bank, BYAPUR branch, located in Patna, Bihar, is PUNB0MBGB06.

Q2: Why did the IFSC codes for Bihar Gramin Bank change?
A2: The IFSC codes changed due to the merger of various regional rural banks, including Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB), into the unified Bihar Gramin Bank. This bank is now sponsored by Punjab National Bank, leading to a standardized IFSC code structure that begins with “PUNB0”.

Q3: Can I still use an old IFSC code for a Bihar Gramin Bank branch if I know it?
A3: No, it is strongly advised against using any old IFSC codes. Following the mergers, all previous IFSC codes for the constituent banks (like UBGB or DBGB) are revoked. You must use the new, unified IFSC code, such as PUNB0MBGB06, for all transactions to ensure they are processed correctly.

Q4: Is the IFSC code for NEFT, RTGS, and IMPS different for the BYAPUR branch?
A4: No, the IFSC code PUNB0MBGB06 is the same for all types of online fund transfers, including NEFT, RTGS, and IMPS, for the Bihar Gramin Bank, BYAPUR branch.

Q5: How can I verify the correct IFSC code for a Bihar Gramin Bank branch?
A5: You can verify the correct IFSC code by checking the bank’s official website, using their mobile banking application, or looking at your passbook or chequebook. Always refer to official sources to ensure accuracy.