Bihar Gramin Bank Dhawri Gopal IFSC Code

This article provides key details about the Bihar Gramin Bank branch located in Dhawri Gopal, SARAN district, Bihar. Understanding the Indian Financial System Code, or IFSC code, is crucial for anyone needing to send or receive money electronically. This unique code makes sure that your fund transfers, whether through National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS), reach the correct bank branch and account without error. It acts like a digital address for the bank branch, ensuring smooth and secure transactions.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Dhawri Gopal
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100580
Branch Address	Dhawri Gopal, SARAN, 841422, 9297955219
Contact Number	9297955219
City	SARAN
District	SARAN
Reason	CHAPRA
Pincode	841422
State	Bihar

Merger Update

It is important for customers to know about the significant changes concerning Bihar Gramin Bank. Previously, there were two distinct regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have officially merged to form a single entity known as *Bihar Gramin Bank*.

Following this merger, all branches, including Dhawri Gopal, now operate under a unified IFSC code structure. The bank is sponsored by Punjab National Bank (PNB). This means that all previous IFSC codes associated with Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank are no longer valid. For any fund transfers to or from Bihar Gramin Bank, including the Dhawri Gopal branch, you must use the new, standardized IFSC code: PUNB0MBGB06. Using an old or incorrect IFSC code will lead to transaction failures.

What is an IFSC Code?

The IFSC code stands for Indian Financial System Code. It is an 11-character alphanumeric code that uniquely identifies every bank branch participating in online fund transfers within India. This code is essential for all electronic payment systems like NEFT, RTGS, and IMPS.

The structure of the IFSC code is simple and consistent:

• The first four characters identify the bank. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, which is the sponsor bank for Bihar Gramin Bank.
• The fifth character is always a zero (0). This character is reserved for future use.
• The last six characters identify the specific bank branch. In PUNB0MBGB06, “MBGB06” points to the Dhawri Gopal branch of Bihar Gramin Bank.

This unique identification ensures that money is routed to the exact branch account it is intended for.

How to Use an IFSC Code

Using an IFSC code is a straightforward process when you are making online fund transfers. Here’s a general guide for NEFT, RTGS, and IMPS transactions:

1. Log In: Access your bank’s net banking portal or mobile banking application using your credentials.
2. Add Beneficiary: Before initiating a transfer, you usually need to add the recipient (beneficiary) to your list of payees.
3. Enter Details: During the beneficiary addition process, you will be asked for:
   • The beneficiary’s name.
   • The beneficiary’s account number (you might need to enter it twice for confirmation).
   • The IFSC code of the beneficiary’s bank branch. For the Dhawri Gopal branch of Bihar Gramin Bank, this would be PUNB0MBGB06.
   • The type of account (savings, current, etc.).
4. Verify: Double-check all the entered details, especially the account number and IFSC code, to prevent errors.
5. Initiate Transfer: Once the beneficiary is added and verified, you can proceed to initiate the fund transfer. Select the beneficiary, enter the amount, and choose the transfer type (NEFT, RTGS, or IMPS).
   • NEFT (National Electronic Funds Transfer): Processes transactions in batches, usually within a few hours during banking hours.
   • RTGS (Real Time Gross Settlement): Designed for large-value transactions, processed individually and in real-time.
   • IMPS (Immediate Payment Service): Allows instant, 24/7 fund transfers, even on holidays.

Always ensure the IFSC code matches the correct branch to avoid any delays or incorrect transfers.

Benefits of Knowing the IFSC Code

Knowing the correct IFSC code for your bank or the recipient’s bank offers several key benefits:

• Ensures Accuracy: It helps in routing funds to the precise bank branch, reducing the chances of money being sent to the wrong account.
• Facilitates Online Transfers: It is a mandatory requirement for all electronic fund transfers (NEFT, RTGS, IMPS), making online banking possible.
• Speeds Up Transactions: The unique identification helps banks process interbank transactions quickly and efficiently.
• Security: By specifically identifying the branch, it adds a layer of security to financial transactions, ensuring funds reach a verified location.
• Branch Identification: It uniquely identifies each branch, distinguishing it from other branches of the same bank, even in the same city.

Contact Information

Should you need to contact the Dhawri Gopal branch or the head office of Bihar Gramin Bank, here are the details:

• Branch Phone Number: 9297955219
• Branch Address: Dhawri Gopal, SARAN, 841422, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

What does IFSC stand for?

IFSC stands for Indian Financial System Code. It is a unique 11-character code used to identify bank branches for electronic fund transfers.

Why is the fifth character always ‘0’ in an IFSC code?

The fifth character of an IFSC code is always zero. This is a standard practice set by the Reserve Bank of India (RBI) and is reserved for future use. It acts as a control character.

Can I still use an old IFSC code for Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) accounts?

No. Following the merger of Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank into Bihar Gramin Bank, all old IFSC codes are revoked. You must use the new unified IFSC code, PUNB0MBGB06, for all transactions to Bihar Gramin Bank branches, including Dhawri Gopal.

What happens if I enter an incorrect IFSC code during a transaction?

If you enter an incorrect IFSC code, your transaction will likely fail. The bank’s system will not be able to match the code to a valid branch, and the transfer will be rejected. In some cases, if the incorrect code happens to belong to another valid branch, your funds could be misdirected, leading to significant complications and delays in recovery. Always double-check the IFSC code before confirming a transfer.

Is the IFSC code required for all banking transactions?

The IFSC code is specifically required for online interbank fund transfers via NEFT, RTGS, and IMPS. It is not needed for cash deposits, withdrawals at an ATM, or transfers within the same bank using only an account number, though it might be helpful for identifying a branch. For any transaction that routes money between different banks electronically, the IFSC code is essential.