Bihar Gramin Bank DHARAMPUR IFSC Code

The Bihar Gramin Bank branch in DHARAMPUR is located in the Nalanda district of Bihar, with the Pincode 803113. For any modern financial transaction involving transferring funds electronically, knowing the Indian Financial System Code (IFSC) is crucial. This unique code identifies bank branches for services like National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). It ensures your money reaches the correct bank and branch without errors.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	DHARAMPUR
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7153
Branch Address	DHARAMPUR, Nalanda, 803113
Contact Number	9771464153
City	Nalanda
District	Nalanda
Reason	BIHARSHARIF
Pincode	803113
State	Bihar

Merger Update

Bihar Gramin Bank, like many regional rural banks (RRBs) in the state, has undergone significant changes through mergers and consolidation. If you previously banked with entities such as Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), it is crucial to understand that these banks have been part of this restructuring. The result is a unified approach under the sponsorship of Punjab National Bank, which now uses a standardized IFSC code format like PUNB0MBGB06 for its sponsored regional rural banks in Bihar. This means any older IFSC codes previously associated with UBGB or DBGB branches are now revoked and are no longer valid for processing electronic fund transfers. For any transaction involving Bihar Gramin Bank, including its DHARAMPUR branch, you must use the current and valid IFSC code PUNB0MBGB06 to ensure your payment is processed correctly.

What is IFSC Code?

The IFSC Code, or Indian Financial System Code, is an 11-character alphanumeric code. It uniquely identifies every bank branch participating in online fund transfers. Understanding its structure can help you verify its authenticity:

• The first four characters represent the bank’s name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsoring bank.
• The fifth character is always a “0” (zero). This is reserved for future use and acts as a control character.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” refers to the DHARAMPUR branch within the Bihar Gramin Bank system. Each branch has a unique six-character code.

This systematic structure helps in directing funds to the exact branch, minimizing errors in digital transactions.

How to Use IFSC Code

When you need to send money using NEFT, RTGS, or IMPS, the IFSC code is a mandatory piece of information. Here’s a general guide:

For NEFT (National Electronic Funds Transfer):

1. Log in to your net banking account or mobile banking app.
2. Go to the ‘Fund Transfer’ section and select ‘NEFT’.
3. Add the beneficiary details: Account holder’s name, account number, bank name, and the specific IFSC code (e.g., PUNB0MBGB06 for DHARAMPUR branch).
4. Enter the amount you wish to transfer.
5. Confirm the details and complete the transaction. NEFT processes transactions in batches, so funds are credited within a few hours.

For RTGS (Real-Time Gross Settlement):

1. Access your net banking or mobile banking.
2. Navigate to the ‘Fund Transfer’ section and choose ‘RTGS’.
3. Provide the beneficiary’s details: Name, account number, bank name, and the IFSC code (e.g., PUNB0MBGB06).
4. Input the transfer amount. RTGS is typically used for large value transactions, usually above Rs. 2 lakh.
5. Review all information and authorize the payment. Funds are transferred in real-time.

For IMPS (Immediate Payment Service):

1. Open your mobile banking app or use net banking.
2. Select ‘IMPS’ under the ‘Fund Transfer’ options.
3. Enter the beneficiary’s details, which often include their account number, bank name, and IFSC code (e.g., PUNB0MBGB06). Some IMPS transfers can also be done using a mobile number and MMID.
4. Specify the amount to be transferred. IMPS allows instant transfers 24/7, even on holidays.
5. Verify the details and proceed with the payment.

Always double-check the IFSC code and other beneficiary details before confirming any transfer to prevent misdirected funds.

Benefits of Knowing Your IFSC Code

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

• Accurate Fund Transfers: It ensures that your money goes to the right bank and the correct branch, avoiding delays or errors.
• Faster Processing: Correct IFSC codes facilitate quick processing of NEFT, RTGS, and IMPS transactions.
• Enhanced Security: The unique code adds a layer of security by precisely identifying the destination of funds.
• Seamless Online Transactions: Essential for setting up various online payments, direct debits, and receiving funds from other banks.
• Required for UPI and Wallets: Many digital payment apps and wallets also use IFSC codes for linking bank accounts and processing transactions.

Contact Information

If you need to get in touch with Bihar Gramin Bank or its DHARAMPUR branch, here are the relevant contact details:

• DHARAMPUR Branch Phone Number: 9771464153
• DHARAMPUR Branch Address: DHARAMPUR, Nalanda, 803113, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Bihar Gramin Bank Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: What happens if I use an incorrect IFSC code for a transaction?
A1: If you enter an incorrect IFSC code, your transaction will likely fail. The system will detect that the code does not match the bank or branch details you’ve provided, and the transfer will not go through. In some cases, if the incorrect code belongs to another valid branch, your funds could be misdirected, making it difficult to recover them.

Q2: Is the IFSC code required for cash deposits or withdrawals at a branch?
A2: No, the IFSC code is specifically for electronic fund transfers like NEFT, RTGS, and IMPS. For cash deposits or withdrawals directly at a bank branch, you only need the account number and, in some cases, your passbook or identification.

Q3: Where can I find the IFSC code for my Bihar Gramin Bank account?
A3: You can typically find the IFSC code printed on your bank passbook or checkbook. It is also available on your bank’s official website, through your net banking portal, or by contacting the bank’s customer service. For the DHARAMPUR branch, the IFSC is PUNB0MBGB06.

Q4: Can I use the IFSC code PUNB0MBGB06 for all Bihar Gramin Bank branches?
A4: No, you cannot. While the first five characters (PUNB0) might be common for many Bihar Gramin Bank branches sponsored by Punjab National Bank, the last six characters are unique to each specific branch. PUNB0MBGB06 is specifically for the DHARAMPUR branch. Always ensure you use the correct and full 11-character IFSC code for the exact branch where the beneficiary holds an account.

Q5: What is the main difference between NEFT and RTGS?
A5: The main differences lie in their processing time and minimum transaction amounts. NEFT processes transactions in batches, usually hourly, and has no minimum transfer limit. RTGS, on the other hand, processes transactions individually and in real-time, making it faster. RTGS is generally used for large-value transfers, with a minimum amount of Rs. 2 lakh, while NEFT can be used for any amount.