Bihar Gramin Bank Dhanaura IFSC Code

The Bihar Gramin Bank branch in Dhanaura, located in the SARAN district of Bihar, serves as a crucial point for banking services in the region. For anyone looking to transfer funds digitally to or from this branch, understanding the Indian Financial System Code (IFSC) is essential. The IFSC acts as a unique identifier for bank branches, ensuring that money transfers through systems like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service) reach the correct destination safely and efficiently.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Dhanaura
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100572
Branch Address	Dhanaura, SARAN, 841216, 9297955218
Contact Number	9297955218
City	SARAN
District	SARAN
Reason	CHAPRA
Pincode	841216
State	Bihar

Merger Update

Bihar Gramin Bank is a Regional Rural Bank (RRB) that was formed from the merger of two earlier banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this merger, all transactions for Bihar Gramin Bank branches now use a new series of IFSC codes sponsored by Punjab National Bank (PNB). For the Dhanaura branch, the specific IFSC code is PUNB0MBGB06.

It is important to note that any old IFSC codes previously associated with Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) have been revoked and are no longer valid for fund transfers. Only the new IFSC codes, structured under Punjab National Bank’s sponsorship (starting with PUNB0), are recognized for all electronic transactions.

What is an IFSC Code?

The IFSC Code, or Indian Financial System Code, is a unique 11-character alphanumeric code. It’s used to identify every bank branch participating in the NEFT, RTGS, and IMPS systems in India. This code helps the banking system direct funds to the correct beneficiary bank and branch without error.

The 11 characters of an IFSC code are structured in a specific way:

• The first four characters represent the bank’s name. For Bihar Gramin Bank branches under Punjab National Bank sponsorship, this is typically “PUNB”.
• The fifth character is always a “0” (zero). This is a control character reserved for future use, such as for internal bank validation.
• The last six characters identify the specific branch. For the Dhanaura branch, these are “MBGB06”.

So, for Dhanaura, PUNB0MBGB06 breaks down as PUNB (Punjab National Bank), 0 (placeholder), and MBGB06 (Dhanaura branch identifier).

How to Use the IFSC Code

Using the IFSC code is a straightforward process when you are making digital fund transfers. Here’s a step-by-step guide for NEFT, RTGS, or IMPS transactions:

1. Log In: Access your bank’s online banking portal or mobile banking application.
2. Select Fund Transfer: Navigate to the “Fund Transfer” section. You might see options like “NEFT,” “RTGS,” or “IMPS.” Choose the one you need.
3. Add Beneficiary: If you’re sending money to someone for the first time, you’ll need to add them as a new beneficiary.
4. Enter Beneficiary Details: Provide the beneficiary’s full name, account number, and confirm the account type (e.g., Savings, Current).
5. Input IFSC Code: Carefully enter the IFSC code for the recipient’s branch. For the Dhanaura branch of Bihar Gramin Bank, this is PUNB0MBGB06.
6. Verify Details: Most banking systems will automatically display the bank name and branch address once you enter the correct IFSC code. Always double-check these details to ensure accuracy.
7. Confirm and Transfer: Enter the amount you wish to transfer, review all the information, and then confirm the transaction.

Always verify the IFSC code and other beneficiary details before initiating a transfer to prevent any errors or delays.

Benefits of Knowing the IFSC Code

Having the correct IFSC code is crucial for several reasons:

• It ensures that your electronic fund transfers (NEFT, RTGS, IMPS) are directed to the precise bank and branch, minimizing the risk of errors.
• It is a mandatory requirement for all major digital money transfer methods, making cashless transactions possible and secure.
• It helps in quick and accurate identification of bank branches across the vast Indian banking network.
• It adds a layer of security by uniquely identifying the destination branch, reducing the chances of fraud or misdirection of funds.
• It streamlines the process of adding new beneficiaries, as the system often auto-populates bank details upon entering a valid IFSC.

Contact Information

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

• Dhanaura Branch Phone Number: 9297955218
• Dhanaura Branch Address: Dhanaura, SARAN, 841216, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Here are some common questions about the IFSC code for Bihar Gramin Bank, Dhanaura branch:

Q1: Is PUNB0MBGB06 the IFSC for all Bihar Gramin Bank branches?
A: No, this specific IFSC code, PUNB0MBGB06, is unique to the Dhanaura branch. While all Bihar Gramin Bank IFSC codes start with PUNB0 (indicating Punjab National Bank as the sponsor), the last six characters are unique to each individual branch.

Q2: What is the MICR Code for the Dhanaura branch?
A: The MICR (Magnetic Ink Character Recognition) Code for Bihar Gramin Bank, Dhanaura branch is 800811002. This code is primarily used for processing physical cheques.

Q3: Can I still use old Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) IFSC codes?
A: No, old IFSC codes from UBGB or DBGB are no longer valid. Following the merger, all electronic fund transfers must use the new IFSC codes, such as PUNB0MBGB06 for the Dhanaura branch.

Q4: Why is the fifth character of the IFSC code always zero?
A: The fifth character is always “0” (zero) as per Reserve Bank of India (RBI) guidelines. It serves as a control character and is reserved for potential future use or internal banking system functionalities.

Q5: Is an IFSC code required for depositing cash into an account at the bank branch?
A: No, the IFSC code is primarily required for electronic fund transfers like NEFT, RTGS, and IMPS. For a direct cash deposit at a bank branch counter, you typically only need the account number and the account holder’s name.