Bihar Gramin Bank Dhankharaiya IFSC Code

Bihar Gramin Bank Dhankharaiya IFSC Code
This article covers the Dhankharaiya branch in East Champaran, Bihar. The branch serves rural and semi-urban customers around Dhankharaiya and Motihari. Knowing the correct IFSC is essential for sending or receiving funds through NEFT, RTGS or IMPS. A wrong code can delay a transfer or cause a failed payment. Below you will find full branch details, how the IFSC is structured, steps to use it, merger notes, contact numbers and common questions.

Branch Details

Merger Update

If this branch was earlier listed under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note the following. Both UBGB and DBGB have been merged and the regional operations now use a single IFSC code under Punjab National Bank. The valid IFSC for electronic transfers is PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked and will not work for NEFT, RTGS or IMPS. Always use the new IFSC shown above when adding or updating beneficiaries.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character code used to route electronic payments to the correct bank branch. Its structure is fixed:

• First 4 characters: Bank identifier. Example: PUNB = Punjab National Bank.
• 5th character: Always 0 (reserved for future use).
• Last 6 characters: Branch identifier. Example: in PUNB0MBGB06, MBGB06 points to the specific branch.

How to Use IFSC Code (NEFT / RTGS / IMPS)

• Open your bank app or internet banking. Choose the fund transfer option.
• Select transfer type: NEFT, RTGS or IMPS. (Use RTGS for high-value immediate transfers.)
• Choose to add a new beneficiary. Enter the beneficiary name and account number exactly as given by them.
• Enter the IFSC: PUNB0MBGB06. Also confirm the branch name: Dhankharaiya, East Champaran.
• Save the beneficiary. Some banks hold a beneficiary for a short activation period (minutes to a few hours).
• Initiate the transfer. Authorize with OTP or transaction password as required by your bank.
• Note timing: IMPS is instant and available 24×7. NEFT and RTGS are also available 24×7; settlement is usually immediate or near real-time depending on bank processing.

Benefits of Knowing the IFSC

• Ensures funds reach the correct branch and account without delays.
• Required when adding a beneficiary for NEFT, RTGS or IMPS.
• Helps customer service trace or reverse failed transactions quickly.
• Prevents mistakes from similar branch names or addresses in the same district.
• Useful for e-payments, salary credits, vendor payments and government receipts.

Contact

Branch Phone: 9297954630

Branch Address: Dhankharaiya, EAST CHAMPARAN, 845422

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free: 18001807777

FAQs

• Q: How can I confirm this IFSC before transferring?

  A: Check the branch passbook, cheque leaf or official bank communication. You can also call the branch at 9297954630 to confirm before initiating the transfer.

• Q: What happens if I enter the wrong IFSC?

  A: If the wrong IFSC points to a valid branch and the account number exists there, money may go to the wrong account. If the IFSC is invalid, the payment will usually fail and be returned. Contact your bank immediately to start a trace.

• Q: Have IFSC codes changed because of recent mergers?

  A: Yes. After consolidation under Punjab National Bank, the unified IFSC PUNB0MBGB06 must be used. Old UBGB/DBGB IFSCs have been revoked and are no longer valid for transactions.

• Q: Which mode is fastest—NEFT, RTGS or IMPS?

  A: IMPS is instant and available 24×7 for retail amounts. RTGS is for high-value instant transfers. NEFT is now available 24×7 and typically clears fast, but IMPS and RTGS are preferred for immediate needs.

• Q: Who do I contact if a transfer to this IFSC fails?

  A: First contact your remitting bank with transaction details and UTR/transaction ID. Then contact the Dhankharaiya branch at 9297954630 or the head office toll-free 18001807777 if needed.

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.