Bihar Gramin Bank DHARAMPURA IFSC Code

Welcome to DHARAMPURA, a vibrant locality nestled in the Rohtas district of Bihar. In today’s fast-paced world, moving money quickly and securely is essential, whether you’re sending funds to family, paying bills, or managing business transactions. This is where the Indian Financial System Code, or IFSC code, becomes crucial. For residents and businesses in DHARAMPURA, knowing the correct IFSC code for Bihar Gramin Bank is vital for smooth electronic fund transfers like NEFT, RTGS, and IMPS, ensuring your money reaches its intended destination without a hitch.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	DHARAMPURA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7439
Branch Address	DHARAMPURA, Rohtas, 802215, Bihar
Contact Number	9771464439
City	Rohtas
District	Rohtas
Reason	SASARAM
Pincode	802215
State	Bihar

Merger Update

Bihar Gramin Bank, including its DHARAMPURA branch, is a direct result of a significant merger in the regional rural banking sector. Previously, there were two distinct entities: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have now merged to form a single, unified entity known as Bihar Gramin Bank. This new bank operates under the sponsorship of Punjab National Bank.

As part of this consolidation, a standardized IFSC code system was adopted for all branches of the newly formed Bihar Gramin Bank. This means that all old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank have been revoked and are no longer valid for transactions. For any financial transaction involving Bihar Gramin Bank, you must now use the common IFSC code: PUNB0MBGB06. Using an outdated code will lead to transaction failures, so always ensure you use the current, valid IFSC code.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies every bank branch participating in online money transfers. Think of it like a digital address for a specific bank branch. This code is crucial for ensuring that money sent through electronic means reaches the exact branch and account you intend.

Let’s break down the structure of the IFSC code for Bihar Gramin Bank DHARAMPURA (PUNB0MBGB06):

• The first four characters, PUNB, represent the sponsor bank. In this case, Punjab National Bank is the sponsor for Bihar Gramin Bank.
• The fifth character is always a zero (0). This digit is reserved for future use and helps maintain the standard 11-character length.
• The last six characters, MBGB06, uniquely identify the specific branch. For the DHARAMPURA branch of Bihar Gramin Bank, this unique identifier is MBGB06.

This structured format ensures accuracy and security in all online fund transfers across India.

How to Use an IFSC Code

Using an IFSC code is straightforward and essential for sending money electronically. Here’s how it works for the most common transfer methods:

For NEFT (National Electronic Funds Transfer)

NEFT is used for transferring funds between banks on a deferred net settlement basis, meaning transactions are processed in batches.

1. Log In: Access your bank’s net banking portal or mobile banking app.
2. Select Transfer Option: Choose ‘NEFT’ from the fund transfer options.
3. Add Beneficiary: If you haven’t already, add the recipient as a beneficiary. You’ll need their:
   • Beneficiary Name
   • Beneficiary Account Number
   • Beneficiary Bank Name (e.g., Bihar Gramin Bank)
   • Beneficiary Bank’s IFSC Code (e.g., PUNB0MBGB06 for DHARAMPURA branch)
4. Enter Details: Provide the amount you wish to transfer and any remarks.
5. Confirm: Review all details carefully and confirm the transaction.

For RTGS (Real Time Gross Settlement)

RTGS is for high-value transactions that need to be processed immediately on a “real-time” and “gross” basis.

1. Log In: Go to your bank’s net banking or mobile app.
2. Select Transfer Option: Choose ‘RTGS’.
3. Add Beneficiary: Similar to NEFT, add the beneficiary’s details, including their account number, bank name, and the IFSC code (PUNB0MBGB06).
4. Enter Details: Input the transfer amount (usually above ₹2 Lakhs) and any relevant notes.
5. Confirm: Verify all information and authorize the transfer.

For IMPS (Immediate Payment Service)

IMPS allows for instant, 24/7 fund transfers, even on holidays.

1. Log In: Open your mobile banking app.
2. Select Transfer Option: Choose ‘IMPS’.
3. Enter Beneficiary Details: You can often transfer using:
   • Beneficiary’s Mobile Number and MMID (Mobile Money Identifier), OR
   • Beneficiary’s Account Number and IFSC Code (PUNB0MBGB06).
4. Enter Amount: Specify the amount you wish to send.
5. Confirm: Review and confirm the transaction for instant processing.

Always double-check the IFSC code and account number before initiating any transfer. A single incorrect digit can lead to funds being sent to the wrong account or the transaction failing.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch, or for any recipient’s branch, offers several important benefits:

• Enables Electronic Transfers: It is absolutely essential for initiating online fund transfers via NEFT, RTGS, and IMPS, making banking convenient and fast.
• Ensures Accuracy: The unique branch identifier helps direct your funds to the precise branch and account, minimizing errors and misdirected payments.
• Facilitates Online Transactions: Beyond person-to-person transfers, many online payment gateways for shopping, bill payments, and investments require an IFSC code.
• Streamlines Payments: It speeds up the process of receiving payments from others, as they will need your branch’s IFSC code to send money to your account.
• Increases Security: By linking transfers to a specific branch, it adds a layer of security, reducing the chances of fraudulent transactions.

Contact Information

Should you need to reach out to Bihar Gramin Bank for queries related to the DHARAMPURA branch or general banking services, here are the relevant contact details:

• DHARAMPURA Branch Phone Number: 9771464439
• DHARAMPURA Branch Address: DHARAMPURA, Rohtas, 802215, 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

What is the IFSC code for Bihar Gramin Bank DHARAMPURA branch?

The IFSC code for Bihar Gramin Bank, DHARAMPURA branch, is PUNB0MBGB06. This code is crucial for all electronic fund transfers.

Why did the IFSC code change for Bihar Gramin Bank branches?

The IFSC code changed due to the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) into the new entity, Bihar Gramin Bank. This merger led to a standardized IFSC code system, sponsored by Punjab National Bank, for all its branches.

Can I still use an old UBGB or DBGB IFSC code for transactions?

No, all old IFSC codes for Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank branches have been revoked. You must use the new, unified IFSC code, PUNB0MBGB06, for all transactions involving Bihar Gramin Bank branches, including DHARAMPURA. Using an old code will cause the transaction to fail.

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

No, the first five characters (PUNB0) are common across all Bihar Gramin Bank branches as they identify the sponsoring bank and the general bank structure. However, the last six characters are unique to each specific branch, ensuring that funds are routed correctly. So, while DHARAMPURA uses PUNB0MBGB06, another branch will have a different last six digits.

What happens if I enter the wrong IFSC code during a transfer?

If you enter an incorrect IFSC code, your transaction will most likely fail immediately. Modern banking systems are designed to validate the IFSC code and account number combination. If the code doesn’t match the bank and branch you’re trying to send money to, the system will prevent the transfer from going through. This protects your funds from being sent to the wrong place.