Bihar Gramin Bank Dekuli IFSC Code

The Dekuli branch of Bihar Gramin Bank is located in the Darbhanga district of Bihar. For anyone looking to send or receive money online to an account at this branch, the Indian Financial System Code (IFSC) is essential. This unique 11-character code identifies the specific bank branch involved in a digital transaction, ensuring that funds transferred through systems like National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS) reach their intended destination without errors.

Branch Details

Merger and Updated IFSC Code

Previously, Bihar had two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have since merged to form the single entity now known as Bihar Gramin Bank. This new bank is sponsored by Punjab National Bank (PNB). As a result of this merger, all old IFSC codes belonging to the former UBGB and DBGB branches have been revoked and are no longer valid. All branches, including Dekuli, were assigned new IFSC codes under the PNB system. Therefore, for any online transaction, it is critical to use only the new IFSC code, PUNB0MBGB06, to avoid payment failures.

What is an IFSC Code?

The IFSC is a unique alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in the electronic fund transfer network. Its structure is designed for easy identification and automated processing.

Let’s break down the IFSC code for the Dekuli branch, PUNB0MBGB06:

• PUNB: The first four letters represent the parent bank. In this case, ‘PUNB’ stands for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
• 0: The fifth character is always a zero. It is reserved for future use.
• MBGB06: The last six characters uniquely identify the specific branch. For the Dekuli branch, this identifier is ‘MBGB06’.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for an online money transfer is a straightforward process. Whether you are using a mobile banking app or an internet banking portal, the steps are generally the same.

1. Log in to your net banking or mobile banking application.
2. Navigate to the ‘Fund Transfer’ section and select the payment method (NEFT, RTGS, or IMPS).
3. Add the recipient (beneficiary) by entering their name, bank account number, and account type.
4. Enter the IFSC code of the beneficiary’s branch. For the Dekuli branch, you would enter PUNB0MBGB06.
5. Enter the amount you wish to transfer and confirm the transaction. The system uses the IFSC code to route the money directly to the correct branch and account.

Benefits of Using the Correct IFSC Code

• Accurate Routing: It ensures your money is sent to the exact bank branch intended, eliminating confusion.
• Error Prevention: Using the correct code significantly reduces the chances of a failed or misdirected transaction.
• Faster Processing: The code allows for automated handling of transfers, making the process quick and efficient.
• Universal Requirement: It is mandatory for all major Indian electronic payment systems, including NEFT, RTGS, and IMPS.

Contact Information

For direct assistance or inquiries, you can reach out to the branch or the bank’s head office.

• Branch Contact Number: 9297955088
• Branch Address: Dekuli, DARBHANGA, 846001, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

Can I still use my old Uttar Bihar Gramin Bank (UBGB) IFSC code?

No. All old IFSC codes from UBGB and DBGB are now invalid following the merger. You must use the new IFSC code starting with ‘PUNB’ for all transactions to be successful.

What happens if I enter the wrong IFSC code?

If you enter an invalid IFSC code, the transaction will be rejected. If you enter a valid IFSC code but for the wrong branch, the transaction might fail and the money will be credited back to your account, though this can take a few business days.

Is the IFSC code the same for all branches of Bihar Gramin Bank?

No. While the first few characters might be similar, each branch has its own unique IFSC code to differentiate it from others.

Where else can I find the IFSC code for a branch?

The IFSC code is printed on the chequebooks and passbooks issued by the bank. You can also find it on the bank’s official website.

Do I need the MICR code for online fund transfers?

No. The MICR (Magnetic Ink Character Recognition) code is primarily used for processing physical cheques. For online transfers like NEFT, RTGS, and IMPS, only the IFSC code is required.

Kriti Kumari

Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.