Bihar Gramin Bank Dalluchak IFSC Code

Welcome to Dalluchak, a community located in the Sheikhpura district of Bihar. If you need to send or receive money electronically, understanding banking codes is crucial. The IFSC (Indian Financial System Code) is a vital tool for making smooth and secure online fund transfers. It’s used for popular services like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service), ensuring your money reaches the right bank and branch.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Dalluchak
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3308
Branch Address	Dalluchak, Sheikhpura, 811105, 8102918597
Contact Number	8102918597
City	Sheikhpura
District	Sheikhpura
Reason	NAWADA
Pincode	811105
State	Bihar

What is an IFSC Code?

An IFSC code is an 11-character alphanumeric code. It’s unique to each bank branch in India. Think of it like a digital address for a specific bank branch. Here’s how it’s structured:

• The first four characters identify the bank. For Bihar Gramin Bank, this is “PUNB” because it is sponsored by Punjab National Bank.
• The fifth character is always a ‘0’ (zero). This is kept as a control character for future use.
• The last six characters identify the specific branch. For the Dalluchak branch, these are “MBGB06”. The “MBGB” part often indicates a “Mahagramin Bank” or a unified regional rural bank structure under its sponsor bank.

So, the code PUNB0MBGB06 clearly identifies the Dalluchak branch of Bihar Gramin Bank for all electronic transactions.

How to Use the IFSC Code

You’ll need the IFSC code when you’re setting up a beneficiary for online fund transfers. Here’s how it generally works for different services:

For NEFT (National Electronic Funds Transfer):

1. Log in to your bank’s internet banking portal or mobile app.
2. Go to the ‘Fund Transfer’ or ‘Payments’ section.
3. Select ‘Add Beneficiary’ if it’s a new recipient.
4. Enter the beneficiary’s name, account number, bank name (Bihar Gramin Bank), and the IFSC code (PUNB0MBGB06) for the Dalluchak branch.
5. Confirm the details and add the beneficiary.
6. Once added, you can initiate a transfer by selecting the beneficiary and entering the amount.

For RTGS (Real Time Gross Settlement):

RTGS is typically used for large-value transactions. The process is similar to NEFT:

1. Log in to your online banking platform.
2. Navigate to the ‘Fund Transfer’ section and choose ‘RTGS’.
3. Provide the beneficiary’s details: name, account number, bank name, and the Dalluchak branch IFSC code (PUNB0MBGB06).
4. Enter the amount you wish to transfer.
5. Review all details carefully before confirming the transaction.

For IMPS (Immediate Payment Service):

IMPS allows instant transfers any time, even on holidays. You’ll use the IFSC code in the same way:

1. Open your mobile banking app or internet banking portal.
2. Select the ‘IMPS’ option for fund transfers.
3. Input the beneficiary’s account number and the IFSC code (PUNB0MBGB06).
4. Enter the amount to be transferred and complete the transaction.

Benefits of Knowing the IFSC Code

Having the correct IFSC code for Bihar Gramin Bank, Dalluchak branch, offers several advantages:

• It ensures your money is transferred accurately to the intended bank and branch.
• It allows for quick and efficient online fund transfers through NEFT, RTGS, and IMPS.
• It helps prevent delays and potential errors that can occur with manual banking processes.
• It provides a standardized system, making inter-bank transactions reliable across India.
• It’s essential for setting up recurring payments or direct debits from specific accounts.

Contact Information

Should you need to reach out to the Bihar Gramin Bank, Dalluchak branch, or its head office, here are the details:

• Dalluchak Branch Phone Number: 8102918597
• Dalluchak Branch Address: Dalluchak, Sheikhpura, 811105
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Bihar Gramin Bank): 18001807777

Frequently Asked Questions (FAQs)

Q1: Is the IFSC code the same for all branches of Bihar Gramin Bank?
A1: No, the IFSC code is unique to each individual branch. While the first four characters (PUNB) will be the same for all Bihar Gramin Bank branches sponsored by Punjab National Bank, the last six characters will differ to identify each specific branch, like “MBGB06” for Dalluchak.

Q2: What happens if I use a wrong IFSC code during a transaction?
A2: If you use an incorrect IFSC code, the transaction will likely fail and the funds will not be debited from your account. In some rare cases, if the incorrect code points to a valid but different branch, the transfer might go through, leading to complications. Always double-check the IFSC code before confirming a transaction.

Q3: Can I find the IFSC code on my passbook or chequebook?
A3: Yes, the IFSC code is usually printed on the first page of your bank passbook and on individual cheque leaves. This is a reliable place to find the correct code for your branch.

Q4: Is the IFSC code required for cash deposits or withdrawals at the branch?
A4: No, the IFSC code is specifically for electronic fund transfers (NEFT, RTGS, IMPS). You do not need it for cash deposits or withdrawals made directly at the bank branch counter or through an ATM.

Q5: What is the difference between IFSC and MICR code?
A5: The IFSC code (Indian Financial System Code) is an 11-character alphanumeric code used for electronic fund transfers. The MICR code (Magnetic Ink Character Recognition) is a 9-digit numerical code printed on cheques, primarily used for processing physical cheques efficiently. Both are important but serve different functions.