Bihar Gramin Bank DHIWAR IFSC Code

The DHIWAR branch of Bihar Gramin Bank is located in Patna, Bihar, with the pincode 803219. For anyone looking to send or receive money electronically, understanding and using the Indian Financial System Code (IFSC) is crucial. This unique code ensures that your funds reach the correct bank and branch without any issues, whether you’re performing a National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS) transaction.

Branch Details

Here are the essential details for the Bihar Gramin Bank, DHIWAR branch:

Bank Name	Bihar Gramin Bank
Branch Name	DHIWAR
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7313
Branch Address	DHIWAR, Patna, 803219
Contact Number	9771464313
City	Patna
District	Patna
Pincode	803219
State	Bihar

Merger Update

It is important to note that Bihar Gramin Bank was formed from the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This consolidation means that all branches, including DHIWAR, now operate under the unified structure of Bihar Gramin Bank, which is sponsored by Punjab National Bank. As a result, the single IFSC code PUNB0MBGB06 is used for all transactions involving this bank. Any old IFSC codes associated with UBGB or DBGB are no longer valid. When initiating any fund transfer, you must use the current IFSC code PUNB0MBGB06 to ensure your transaction is processed successfully.

What is an IFSC Code?

The IFSC, or Indian Financial System Code, is an 11-character alphanumeric code used to identify individual bank branches in India. This code is crucial for electronic fund transfers. The structure of the IFSC code is straightforward:

• The first four characters represent the bank. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always a zero (0). This character is reserved for future use by the Reserve Bank of India (RBI).
• The last six characters uniquely identify the specific bank branch. For the DHIWAR branch, these are “MBGB06”.

How to Use the IFSC Code

Using the IFSC code for your online fund transfers is a simple process. Here’s a general guide for NEFT, RTGS, and IMPS transactions:

1. Log In: Access your net banking portal or mobile banking application using your credentials.
2. Add Beneficiary: If you’re sending money to a new recipient, you’ll need to add them as a beneficiary. Navigate to the “Add Beneficiary” or “Manage Payee” section.
3. Enter Details: Provide the recipient’s full name, their bank account number, the bank’s name (Bihar Gramin Bank), and the crucial IFSC code: PUNB0MBGB06 for the DHIWAR branch.
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 approved, you can initiate a transfer. Select the beneficiary, enter the amount you wish to send, and choose the transaction type (NEFT, RTGS, or IMPS).
6. Confirm: Complete the transaction by entering your transaction password or a One-Time Password (OTP) received on your registered mobile number.

Benefits of Knowing the IFSC Code

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

• Accurate Transfers: It ensures that your money is transferred to the correct bank and branch, minimizing the risk of funds going to the wrong account.
• Faster Processing: IFSC codes streamline the process of electronic fund transfers, leading to quicker transaction times for NEFT, RTGS, and IMPS.
• Online Transaction Enablement: It is a mandatory requirement for all online money transfers within India, making digital banking possible.
• Reduced Errors: By uniquely identifying each branch, the IFSC code helps to prevent manual errors that could occur with traditional banking methods.
• Enhanced Security: The system is designed to add a layer of security and efficiency to interbank transactions.

Contact Information

If you need to get in touch with the bank, here are the contact details:

• DHIWAR Branch Phone Number: 9771464313
• DHIWAR Branch Address: DHIWAR, Patna, 803219
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Punjab National Bank – Sponsoring Bank): 18001807777

Frequently Asked Questions

Here are some common questions about IFSC codes and Bihar Gramin Bank:

Q: What is the IFSC code for Bihar Gramin Bank DHIWAR branch?
A: The IFSC code for Bihar Gramin Bank, DHIWAR branch, is PUNB0MBGB06. This code is unique to this specific branch.

Q: Why is the fifth character of the IFSC code always a ‘0’?
A: The fifth character in every IFSC code is always zero. This is a standard practice implemented by the Reserve Bank of India, reserving that position for potential future use or expansion of the coding system.

Q: Can I use an old IFSC code from Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) for transfers to DHIWAR?
A: No, you cannot. Following the merger, all old IFSC codes belonging to UBGB and DBGB have been revoked. You must exclusively use the new unified IFSC code, PUNB0MBGB06, for all transactions to Bihar Gramin Bank branches, including DHIWAR.

Q: Is the IFSC code the same as the MICR code?
A: No, the IFSC code and MICR code are different. The IFSC code (Indian Financial System Code) is an 11-character alphanumeric code used for electronic fund transfers. The MICR code (Magnetic Ink Character Recognition) is a 9-digit numerical code primarily used for processing paper-based documents like cheques.

Q: Where can I find the IFSC code for my bank branch?
A: You can usually find the IFSC code printed on your bank cheque book, your passbook, or on the bank’s official website. You can also use reliable online bank code search tools provided by various financial platforms.