Bihar Gramin Bank Chewara IFSC Code

The Bihar Gramin Bank branch in Chewara, Sheikhpura, is an important financial hub for the local community. To make any electronic money transfers to or from this branch, you need a unique code called an IFSC. This code is crucial for transactions like National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). It ensures your money goes to the correct bank and branch, making financial transactions smooth and secure.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Chewara
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3306
Branch Address	Chewara, Sheikhpura, 811304, 8102918595
Contact Number	8102918595
City	Sheikhpura
District	Sheikhpura
Reason	NAWADA
Pincode	811304
State	Bihar

Merger Update

Bihar Gramin Bank was formed through the merger of several regional rural banks in Bihar, including Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These mergers aimed to streamline operations and provide better services. As a result, all branches, including Chewara, now operate under a single, unified structure. The bank is sponsored by Punjab National Bank, which is why its IFSC codes begin with ‘PUNB’.

It is important to know that any old IFSC codes previously used for Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches are no longer valid. For any electronic fund transfers to Bihar Gramin Bank, Chewara branch, you *must* use the current IFSC code: PUNB0MBGB06. Using an old or incorrect code will cause your transaction to fail.

What is an IFSC Code?

An IFSC code, or Indian Financial System Code, is an 11-character alphanumeric code. It uniquely identifies every bank branch in India that participates in electronic fund transfers. Think of it like a specific address for a bank branch.

The structure of the IFSC code is always the same:

• The first four characters identify the bank. For the Chewara branch, this is PUNB, standing for Punjab National Bank, the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always a zero (0). This is a placeholder for future use.
• The last six characters identify the specific branch. For the Chewara branch, these are MBGB06. These characters help distinguish Chewara from all other bank branches across India.

So, for PUNB0MBGB06, you have PUNB (bank identifier), 0 (placeholder), and MBGB06 (branch identifier).

How to Use the IFSC Code

You will need the IFSC code whenever you want to send money electronically to another bank account in India. Here’s how it works for different types of transfers:

For NEFT (National Electronic Funds Transfer)

NEFT transactions are processed in batches throughout the day.

1. Log in to your bank’s online banking portal or mobile app.
2. Go to the ‘Fund Transfer’ or ‘Payments’ section.
3. Select ‘Add Beneficiary’ if you haven’t sent money to this account before.
4. Enter the beneficiary’s name, account number, and confirm the account number.
5. Input the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank, Chewara branch.
6. Enter the amount you wish to transfer and confirm the transaction.

For RTGS (Real Time Gross Settlement)

RTGS is for large value transactions, usually above ₹2 Lakhs, and is processed individually in real-time.

1. Access your bank’s online banking or mobile app.
2. Choose the ‘Fund Transfer’ option and then ‘RTGS’.
3. Add the beneficiary details: name, account number, and confirm the account number.
4. Enter the IFSC code: PUNB0MBGB06.
5. Specify the amount to be transferred (minimum ₹2 Lakhs).
6. Review the details and authorize the payment.

For IMPS (Immediate Payment Service)

IMPS allows instant, 24/7 transfers, even on holidays.

1. Open your bank’s mobile banking app or UPI app.
2. Select ‘Send Money’ or ‘IMPS’.
3. You might be asked for the beneficiary’s Mobile Number and MMID, or Account Number and IFSC. Choose the latter.
4. Enter the beneficiary’s account number.
5. Provide the IFSC code: PUNB0MBGB06.
6. Enter the amount you want to send.
7. Confirm the details to complete the instant transfer.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for Bihar Gramin Bank, Chewara branch, offers several advantages:

• Accurate Transfers: It guarantees your money is sent to the correct bank branch, avoiding misdirected funds.
• Faster Processing: Transactions are processed quickly and efficiently when all details, including the IFSC, are correct.
• Enhanced Security: The unique code adds a layer of security, ensuring that funds are transferred to verified banking channels.
• Interbank Convenience: It enables seamless transfers between different banks across India, allowing you to send money from any bank to Bihar Gramin Bank, Chewara, or vice-versa.
• Easy Online Transactions: It is essential for most online and mobile banking fund transfers, making banking from home simple.

Contact Information

Should you need to contact the bank for any queries regarding your transactions or accounts, here are the relevant details:

• Chewara Branch Phone Number: 8102918595
• Chewara Branch Address: Chewara, Sheikhpura, 811304
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Customer Service: 18001807777

FAQs

Q1: What is the IFSC code for Bihar Gramin Bank, Chewara branch?
A1: The IFSC code for Bihar Gramin Bank, Chewara branch, is PUNB0MBGB06.

Q2: Why does Bihar Gramin Bank’s IFSC code start with ‘PUNB’?
A2: Bihar Gramin Bank is a Regional Rural Bank sponsored by Punjab National Bank. The ‘PUNB’ prefix in the IFSC code indicates this sponsorship.

Q3: Can I still use old IFSC codes for Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches?
A3: No. Following the merger that formed Bihar Gramin Bank, all old IFSC codes for previously existing regional rural banks like UBGB and DBGB have been revoked. You must use the new, unified IFSC code, such as PUNB0MBGB06, for all transactions.

Q4: What is the MICR code for the Chewara branch?
A4: The MICR (Magnetic Ink Character Recognition) code for Bihar Gramin Bank, Chewara branch, is 800811002.

Q5: Is the IFSC code PUNB0MBGB06 valid for all types of electronic transfers like NEFT, RTGS, and IMPS?
A5: Yes, the IFSC code PUNB0MBGB06 is the correct and valid code for all types of electronic fund transfers, including NEFT, RTGS, and IMPS, to the Bihar Gramin Bank, Chewara branch.