Bihar Gramin Bank DHAKAICH IFSC Code

Bihar Gramin Bank, Dhakaich branch is located in Dhakaich, Buxar district, Bihar (PIN 802133). This branch serves local residents and businesses for deposits, withdrawals, and payments. For electronic fund transfers — NEFT, RTGS, and IMPS — the IFSC code is required to route money to the correct bank and branch. Using the correct IFSC avoids failed transfers, delays, or funds being sent to the wrong branch.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	DHAKAICH
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7031
Branch Address	DHAKAICH, Buxar, 802133, 9771464031
Contact Number	9771464031
City	Buxar
District	Buxar
Reason	BHABHUA
Pincode	802133
State	Bihar

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged and now operate under Punjab National Bank. The consolidated electronic transfers for these rural banks use the single IFSC code PUNB0MBGB06 (Punjab National Bank). All old UBGB/DBGB IFSC codes have been revoked. For any NEFT/RTGS/IMPS transactions to accounts previously under UBGB or DBGB, use only PUNB0MBGB06.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character code used by RBI to route electronic transactions. The structure is:

• First 4 characters – alphabetic bank code (example: PUNB = Punjab National Bank).
• 5th character – always 0 (reserved).
• Last 6 characters – branch identifier (alphanumeric). These identify the exact branch for routing.

Example: In PUNB0MBGB06, “PUNB” is the bank, “0” is reserved, and “MBGB06” identifies the Dhakaich branch under the consolidated routing.

How to Use IFSC Code

Follow these steps when sending or receiving money via NEFT, RTGS, or IMPS.

• Collect beneficiary details: beneficiary name, bank account number, and IFSC (PUNB0MBGB06 for Dhakaich).
• Add beneficiary in your bank app or branch: enter account number exactly and paste the IFSC. Some apps also ask for branch name and city; fill as “DHAKAICH, Buxar”.
• Verify beneficiary: most banks do a micro-confirmation or ask you to confirm the name returned by the IFSC/account combination. Check the displayed name before approving.
• Choose transfer method: IMPS for instant small-value transfers (24×7), NEFT for batch-settled transfers (available most of the day with hourly settlements), RTGS for high-value real-time transfers (minimum and limits depend on your bank; typically for large sums).
• Enter amount and purpose: add a remark if needed and authorize the transaction with OTP or your token.
• Confirm transaction ID: note the reference number. Use it to track or report issues.

Tip: Always double-check the IFSC and account number before confirming. One wrong digit in account number or an incorrect IFSC can delay or misroute funds.

Benefits of Knowing IFSC

• Enables accurate routing of NEFT, RTGS, and IMPS transactions to the correct branch.
• Reduces transfer failures and speeds up fund settlement.
• Makes adding beneficiaries in internet/mobile banking simpler and safer.
• Helps verify branch identity when reconciling payments or receiving funds.
• Assists banks and clearing systems in automating cheque clearing and electronic settlements (MICR aids cheque clearing; IFSC aids electronic routing).

Contact

Branch phone no: 9771464031
Branch Address: DHAKAICH, Buxar, 802133
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777

FAQs

Q1: Can I use the old UBGB IFSC code for transfers?
No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use the consolidated IFSC PUNB0MBGB06 for transactions.

Q2: What happens if I enter a wrong IFSC but correct account number?
If the IFSC points to another branch that accepts the account number format, the transfer might still complete but could credit the wrong account. Often banks validate account number with IFSC; if they don’t match, the transaction may be rejected. Always verify both before sending.

Q3: Is MICR the same as IFSC?
No. MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque clearing. IFSC is an 11-character code used for electronic transfers (NEFT/RTGS/IMPS).

Q4: How quickly will funds arrive using NEFT/RTGS/IMPS?
IMPS is instant and works 24×7. RTGS is real-time for high-value transfers during bank hours. NEFT is settled in half-hourly or hourly batches depending on the bank’s process; it may take a few hours during the day.

Q5: How can I verify the IFSC before sending money?
Verify the IFSC from the recipient’s cheque leaf, bank passbook, or by calling the branch phone (9771464031). You can also confirm the head office or branch details with bank customer service using the toll-free number 18001807777. Always confirm the exact 11-character IFSC before initiating the transfer.