Bihar Gramin Bank Champapur IFSC Code

The Bihar Gramin Bank’s Champapur branch is an important financial hub for residents in and around East Champaran, Bihar. Whether you are sending money to a family member, paying a bill, or managing your business finances, understanding the Indian Financial System Code (IFSC) for this branch is essential. This unique code acts like a digital address, ensuring that your online money transfers through systems like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service) reach the correct bank and branch without any issues.

Branch Details

Here are the key details for the Bihar Gramin Bank’s Champapur branch:

Bank Name	Bihar Gramin Bank
Branch Name	Champapur
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100223
Branch Address	Champapur, EAST CHAMPARAN, 845433, 9297954620
Contact Number	9297954620
City	EAST CHAMPARAN
District	EAST CHAMPARAN
Reason	MOTIHARI
Pincode	845433
State	Bihar

Merger Update

Bihar Gramin Bank was formed through the merger of two prominent regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This consolidation brought both banks under a unified structure, with Punjab National Bank serving as the sponsor bank. As a result of this merger, all branches, including Champapur, now operate under a single, unified IFSC code system. The new and currently valid IFSC code for Bihar Gramin Bank branches, such as Champapur, is PUNB0MBGB06.

It is crucial to understand that any old IFSC codes previously used by Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) have been officially revoked. These old codes are no longer valid for any electronic fund transfers. For any transaction involving Bihar Gramin Bank, only the new IFSC code, which begins with “PUNB” to signify its sponsorship by Punjab National Bank, should be used.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify specific bank branches in India. It is essential for facilitating electronic fund transfers like NEFT, RTGS, and IMPS. The structure of the IFSC code is standardized:

• The first four characters represent the bank’s name. For Bihar Gramin Bank, because Punjab National Bank is the sponsor, the code starts with PUNB.
• The fifth character is always a zero (0). This character is reserved for future use and helps differentiate the bank code from the branch code.
• The last six characters uniquely identify a specific bank branch. In the case of PUNB0MBGB06, MBGB06 is the unique code for the Champapur branch of Bihar Gramin Bank.

For example, in the IFSC code PUNB0MBGB06:

• PUNB identifies Punjab National Bank (the sponsor bank).
• 0 is the control digit.
• MBGB06 identifies the Champapur branch of Bihar Gramin Bank.

How to Use IFSC Code

Using the IFSC code is straightforward when you are making an electronic fund transfer. Here’s a general guide:

1. Log in to Your Banking App or Website: Access your online banking portal or mobile banking application.
2. Select Transfer Type: Choose the type of transfer you wish to make (NEFT, RTGS, or IMPS).
3. Add Beneficiary: If you are sending money to this recipient for the first time, you will need to add them as a beneficiary.
4. Enter Beneficiary Details: Provide the beneficiary’s full name, account number, and the crucial IFSC code (PUNB0MBGB06 for Champapur branch). You will also need to re-enter the account number for confirmation.
5. Specify Amount: Enter the amount of money you wish to transfer.
6. Review and Confirm: Double-check all the details, especially the IFSC code and account number, to ensure accuracy before confirming the transaction. An incorrect IFSC can lead to delays or the transfer being sent to the wrong account.

Benefits of Knowing Your IFSC Code

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

• Accurate Fund Transfers: Ensures that your money reaches the intended recipient’s bank and branch without error.
• Faster Transactions: Facilitates quick processing of NEFT, RTGS, and IMPS transfers, as the code directly routes funds.
• Enhanced Security: Adds an extra layer of security by verifying the exact branch for the transfer.
• Convenience: Makes online banking and mobile banking more efficient and user-friendly.
• Wider Reach: Enables seamless transfers to and from any bank branch across India.

Contact Information

For any queries or assistance related to the Bihar Gramin Bank Champapur branch, you can use the following contact details:

• Branch Phone Number: 9297954620
• Branch Address: Champapur, EAST CHAMPARAN, 845433, BIHAR
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Here are some frequently asked questions about the Bihar Gramin Bank Champapur IFSC code:

Q1: Can I still use an old Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) IFSC code for transactions to Bihar Gramin Bank Champapur?
A1: No, old IFSC codes from UBGB or DBGB are no longer valid. You must use the new unified IFSC code, PUNB0MBGB06, for all transactions to Bihar Gramin Bank branches, including Champapur, following the merger.

Q2: What happens if I enter an incorrect IFSC code during a fund transfer?
A2: If you enter an incorrect IFSC code, your transaction will likely fail and be returned to your account. In some rare cases, if the incorrect IFSC code corresponds to another valid branch and account number, the funds might be transferred to the wrong recipient, making retrieval difficult.

Q3: Is the IFSC code the same as the MICR code?
A3: No, the IFSC code and MICR (Magnetic Ink Character Recognition) code are different. The IFSC code is for electronic fund transfers, while the MICR code is a 9-digit numerical code printed on cheque leaves, primarily used for clearing cheques.

Q4: Where can I find the IFSC code for Bihar Gramin Bank Champapur?
A4: You can find the IFSC code on your bank passbook, cheque book, the bank’s official website, or by contacting the branch directly. For Champapur branch, it is PUNB0MBGB06.

Q5: Why does the IFSC code for Bihar Gramin Bank start with “PUNB”?
A5: The IFSC code starts with “PUNB” because Punjab National Bank is the sponsor bank for Bihar Gramin Bank. This prefix signifies its association and operational framework under PNB.