Bihar Gramin Bank DARIHAT IFSC Code

Welcome. This article focuses on the Bihar Gramin Bank branch located in DARIHAT, a community within the Rohtas district of Bihar. Knowing the Indian Financial System Code (IFSC) for this specific branch is vital for any electronic money transfers. This includes popular methods like National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). The IFSC code ensures your money goes to the correct bank and branch quickly and securely.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	DARIHAT
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7343
Branch Address	DARIHAT, Rohtas, 821306, Bihar
Contact Number	9771464343
City	Rohtas
District	Rohtas
Reason	SASARAM
Pincode	821306
State	Bihar

Merger Update

Bihar Gramin Bank, as it operates today, is the result of several important mergers involving regional rural banks in Bihar. This includes the consolidation of entities like Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB), as well as what was formerly known as Madhya Bihar Gramin Bank. Punjab National Bank (PNB) sponsors Bihar Gramin Bank. Due to these mergers, all branches, including DARIHAT, now use a unified series of IFSC codes under PNB’s sponsorship. The IFSC code PUNB0MBGB06 reflects this structure.

It is very important to note that any old IFSC codes used by previously separate regional rural banks that are now part of Bihar Gramin Bank are no longer valid. For all your financial transactions with the DARIHAT branch or any other Bihar Gramin Bank branch, you must use the current and active IFSC code, such as PUNB0MBGB06. Using an outdated code will cause your transaction to fail.

What is an IFSC Code?

The IFSC, or Indian Financial System Code, is an 11-character alpha-numeric code. It uniquely identifies every bank branch in India participating in electronic fund transfers. Think of it as a specific address for a bank branch in the digital world. The structure of the IFSC code provides clear information:

• The first four characters represent the bank name. For the DARIHAT branch, ‘PUNB’ stands for Punjab National Bank, the sponsor bank of Bihar Gramin 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. In the case of PUNB0MBGB06, ‘MBGB06’ precisely points to the DARIHAT branch under the Madhya Bihar Gramin Bank designation, which is part of the larger Bihar Gramin Bank family.

This organized structure helps ensure that funds are directed to the correct bank and branch without error.

How to Use an IFSC Code

Using an IFSC code is a straightforward process when you are making electronic fund transfers:

1. Gather Payee Details: Before starting any transaction, ensure you have the correct name of the person or entity you are sending money to (the payee), their bank account number, and the correct IFSC code for their specific branch.
2. Log In to Your Banking Platform: Access your online banking portal, mobile banking app, or visit your bank branch to initiate a fund transfer.
3. Select Transfer Type: Choose the type of transfer you wish to make: NEFT, RTGS, or IMPS.
4. Enter Payee Information: You will be prompted to enter the payee’s name, their bank account number, and the 11-character IFSC code for their branch.
5. Verify Details: Always double-check all the information you have entered, especially the account number and IFSC code. Even a single incorrect digit or character can lead to the transaction failing or, worse, sending money to the wrong account.
6. Confirm and Authorize: Once you are sure all details are correct, confirm the transaction and provide any necessary authorization (like an OTP or password).

The system uses the IFSC code to route your funds to the correct destination swiftly. This process is similar for both individuals and businesses.

Benefits of Knowing the IFSC Code

Having the correct IFSC code offers several key advantages for banking transactions:

• It enables secure and rapid electronic fund transfers, such as NEFT, RTGS, and IMPS.
• Each code uniquely identifies a specific bank branch, greatly reducing the chances of errors in money transfers.
• It is essential for setting up online banking services, bill payments, and various other digital financial activities.
• Knowing the IFSC code helps you quickly locate the correct branch details for any banking needs.
• It provides a standardized system across all banks in India, making inter-bank transactions smooth and efficient.

Contact Section

If you need to get in touch with the Bihar Gramin Bank DARIHAT branch or the bank’s head office, here are the contact details:

• DARIHAT Branch Phone Number: 9771464343
• DARIHAT Branch Address: DARIHAT, Rohtas, 821306, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Bihar Gramin Bank Toll-Free Number: 18001807777

FAQs

Here are some frequently asked questions about IFSC codes and Bihar Gramin Bank:

Q1: What does ‘PUNB0MBGB06’ specifically mean?
A1: ‘PUNB’ indicates Punjab National Bank, the sponsor bank. ‘0’ is a placeholder. ‘MBGB06’ identifies the DARIHAT branch as being part of what was previously Madhya Bihar Gramin Bank, now integrated into the larger Bihar Gramin Bank structure.

Q2: Can I use an old IFSC code for Bihar Gramin Bank?
A2: No, you should not. Due to mergers and consolidations, old IFSC codes from previously separate regional rural banks (like Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank) are no longer valid. Always use the current IFSC code, like PUNB0MBGB06, for your transactions.

Q3: Is an IFSC code required for all bank transfers?
A3: An IFSC code is essential for all electronic fund transfers within India, including NEFT, RTGS, and IMPS. It is not generally required for cash deposits or withdrawals at a branch or for transfers within the same bank using only an account number, though it can still be useful for verification.

Q4: How can I find the IFSC code for other Bihar Gramin Bank branches?
A4: You can find IFSC codes on your bank’s passbook or cheque book. Many banks also list them on their official websites. Reliable financial portals and mobile banking apps also provide IFSC search functions. You can also call the bank’s customer service.

Q5: What happens if I enter the wrong IFSC code during a transaction?
A5: If you enter an incorrect IFSC code, your transaction will likely fail and the funds will be returned to your account. In some rare cases, if the incorrect IFSC code corresponds to an actual, different branch and the account number also matches, your funds could go to the wrong recipient. Always double-check your details carefully.