Bihar Gramin Bank DATMAI IFSC Code

If you are looking to send or receive money at the Bihar Gramin Bank branch in DATMAI, Patna, understanding the IFSC code is essential. This unique code acts like a digital address for the branch, making sure your funds go to the correct bank and specific branch. It is a mandatory detail for all electronic fund transfers such as NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service).

Branch Details

Here are the key details for the Bihar Gramin Bank DATMAI branch:

Field	Detail
Bank Name	Bihar Gramin Bank
Branch Name	DATMAI
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	6971
Branch Address	DATMAI, Patna, 804452, 7070196971
Contact Number	7070196971
City	Patna
District	Patna
Reason	PATNA
Pincode	804452
State	Bihar

Merger Update

Bihar Gramin Bank was formed through the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This consolidation aimed to streamline operations and provide better service.

Following this merger, Bihar Gramin Bank now operates under the sponsorship of Punjab National Bank (PNB). As a result, all branches of Bihar Gramin Bank, including DATMAI, use a standardized IFSC code structure. The IFSC code for DATMAI, PUNB0MBGB06, reflects this change. It is important to note that any old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches are no longer valid. For any electronic transactions, only the new, unified IFSC code starting with “PUNB0” should be used.

What is an IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code that uniquely identifies every bank branch participating in online money transfers. The Reserve Bank of India (RBI) assigns these codes to facilitate secure and efficient electronic transactions across different banks and branches.

The structure of an IFSC code helps pinpoint the exact bank and branch:

• The first four characters represent the bank. For Bihar Gramin Bank, the sponsor bank is Punjab National Bank, so these characters are “PUNB”.
• The fifth character is always a zero (0). This character is reserved for future use and acts as a control digit.
• The last six characters identify the specific branch. For the DATMAI branch, these characters are “MBGB06”.

So, PUNB0MBGB06 precisely identifies the DATMAI branch of Bihar Gramin Bank under Punjab National Bank’s sponsorship.

How to Use an IFSC Code

You will need the IFSC code for various digital payment methods. Here’s how it is typically used:

• NEFT (National Electronic Funds Transfer): This system allows for nationwide electronic fund transfers on a deferred net settlement basis. Transactions are processed in batches throughout the day. To send money via NEFT, you need the beneficiary’s name, account number, account type, the bank’s name, and the IFSC code of their branch.
• RTGS (Real Time Gross Settlement): RTGS is designed for large-value transactions that require immediate processing. Each transaction is settled individually and in real-time. Like NEFT, you will need the beneficiary’s name, account number, account type, bank name, and the IFSC code of their branch.
• IMPS (Immediate Payment Service): IMPS offers instant, 24/7 fund transfers, even on holidays. It is commonly used for smaller, urgent transfers. While IMPS can use a Mobile Money Identifier (MMID) and mobile number, it also supports transfers using the beneficiary’s account number and the IFSC code.

When you initiate an online transfer through your bank’s website or mobile app, you will be prompted to enter these details into a form.

Benefits of Knowing Your IFSC Code

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

• It ensures your funds are transferred to the precise bank and branch you intend, preventing errors.
• It is mandatory for all major digital fund transfer methods like NEFT, RTGS, and IMPS, enabling online banking.
• It acts as a unique identifier for each specific branch, similar to a physical address but for digital transactions.
• Using the correct IFSC code helps streamline transactions and reduces the need for manual verification.
• It facilitates faster and more secure money movement within the Indian banking system.

Contact Information

For inquiries related to the DATMAI branch or Bihar Gramin Bank, you can use the following contact details:

• Branch Phone Number (DATMAI): 7070196971
• Branch Address (DATMAI): DATMAI, Patna, 804452, 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 the Bihar Gramin Bank DATMAI IFSC code:

Q1: What is the IFSC code for Bihar Gramin Bank DATMAI branch?
A: The IFSC code for Bihar Gramin Bank’s DATMAI branch is PUNB0MBGB06.

Q2: Is the old IFSC code for DATMAI still valid after the merger?
A: No, due to the merger of Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank into Bihar Gramin Bank, only the new standardized IFSC code, PUNB0MBGB06, is valid for transactions. Old codes are no longer active.

Q3: What kind of transactions require an IFSC code?
A: An IFSC code is required for all online fund transfers such as NEFT, RTGS, and IMPS. It is also often needed for setting up online bill payments or direct debits from your account.

Q4: How can I verify an IFSC code?
A: You can verify an IFSC code through several reliable sources. These include your bank’s official website, the Reserve Bank of India (RBI) website, your bank passbook, cheque book, or by contacting your bank’s customer service directly.

Q5: Can I send money online without using an IFSC code?
A: For direct bank-to-bank online transfers like NEFT, RTGS, or IMPS, an IFSC code is mandatory. However, some digital wallets or payment apps might allow transfers using only a mobile number or UPI ID, which abstract the underlying IFSC code requirement from the user, but the system still uses it internally.