Bihar Gramin Bank Dighi IFSC Code

The Bihar Gramin Bank’s Dighi branch, located in Vaishali, Bihar (Pincode 844101), is an important banking touchpoint for the local community. For any money transfers you need to make, such as through NEFT, RTGS, or IMPS, knowing the correct Indian Financial System Code (IFSC) for this branch is essential. This unique code acts like a digital address, ensuring your funds reach the right bank and branch without any issues. Without it, electronic fund transfers cannot be completed.

Branch Details

Here are the key details for the Bihar Gramin Bank, Dighi branch:

Bank Name	Bihar Gramin Bank
Branch Name	Dighi
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100914
Branch Address	Dighi, Vaishali, 844101
Contact Number	9297954981
City	VAISHALI
District	VAISHALI
Reason	HAJIPUR
Pincode	844101
State	Bihar

Merger Update for Bihar Gramin Bank Branches

It’s important to understand the background of the IFSC code PUNB0MBGB06. This code belongs to Madhya Bihar Gramin Bank. Madhya Bihar Gramin Bank was formed by the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB).

If the Dighi branch was previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank, please note that those entities have now merged to form Madhya Bihar Gramin Bank. This new entity is sponsored by Punjab National Bank (PNB). As a result, all branches under the former UBGB and DBGB now use the single, unified IFSC code structure for Madhya Bihar Gramin Bank, starting with PUNB0MBGB06 for specific branches.

This means that any old IFSC codes previously used by Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are no longer valid for transactions. You must use the new and valid IFSC code PUNB0MBGB06 for all your electronic fund transfers to the Dighi branch. Always double-check the current IFSC code to ensure your transactions are processed smoothly.

What is an IFSC Code?

The IFSC (Indian Financial System Code) is a unique 11-character code. It is used to identify every bank branch participating in online money transfers. Think of it like a unique postal code for financial transactions.

Here’s how the 11 characters are structured:

• The first four characters represent the bank’s name. For Madhya Bihar Gramin Bank, this is “PUNB”.
• The fifth character is always a “0” (zero). This is kept as a control character for future use.
• The last six characters identify the specific branch. In the case of Dighi branch, these are “MBGB06”.

This organized structure helps India’s banking system accurately direct funds to the correct destination branch.

How to Use the IFSC Code

Using the IFSC code is a straightforward process when you’re making an online money transfer. Here’s a general guide for NEFT, RTGS, and IMPS:

1. Log in to your Net Banking or Mobile Banking App: Access your bank account online.
2. Select Fund Transfer Option: Look for options like “NEFT,” “RTGS,” or “IMPS” depending on the transfer type you need.
3. Add Beneficiary: If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary. This usually involves entering their name, account number, account type (savings or current), and the beneficiary bank’s IFSC code. For the Dighi branch, this would be PUNB0MBGB06.
4. Verify Details: After entering the IFSC, your bank’s system will often automatically show the bank and branch name (Madhya Bihar Gramin Bank, Dighi). Always double-check this to ensure it matches.
5. Enter Amount and Purpose: Input the amount you wish to transfer and a brief description for the transaction.
6. Confirm and Authorize: Review all the details one last time. Confirm the transaction, usually by entering an OTP (One-Time Password) or transaction PIN.

For NEFT, funds are transferred in batches. RTGS is for large value, real-time transfers. IMPS offers instant transfers 24/7 for smaller amounts.

Benefits of Knowing Your IFSC Code

Having the correct IFSC code for the Dighi branch offers several advantages:

• Smooth Fund Transfers: It ensures your online money transfers (NEFT, RTGS, IMPS) go to the correct bank and branch without delays or errors.
• Prevents Transaction Failures: An incorrect IFSC code is a common reason for failed or returned transactions, which can cause inconvenience and delays.
• Accuracy and Security: The unique code adds an extra layer of security and accuracy, ensuring funds are directed to the intended recipient.
• Time-Saving: Once you have the correct code, you can set up beneficiaries quickly, making future transfers faster.
• Essential for Bill Payments: Many online bill payment systems require an IFSC for direct bank transfers to ensure payments reach the right service provider’s account.

Contact Information

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

• Dighi Branch Contact Number: 9297954981
• Dighi Branch Address: Dighi, VAISHALI, 844101, Bihar
• Madhya Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Punjab National Bank sponsor bank): 18001807777

Frequently Asked Questions (FAQs)

Q1: Is the IFSC code PUNB0MBGB06 valid for all types of online transactions?
A1: Yes, the IFSC code PUNB0MBGB06 is valid for all electronic fund transfers including NEFT, RTGS, and IMPS transactions to the Dighi branch of Madhya Bihar Gramin Bank.

Q2: What should I do if my previous transactions used an old IFSC code for a Bihar Gramin Bank branch?
A2: If your previous transactions used an old IFSC code from Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank, those codes are now revoked. You must update your beneficiary details and use the new IFSC code, PUNB0MBGB06, for all future transactions to the Dighi branch.

Q3: Can I find the IFSC code on my passbook or chequebook?
A3: Yes, the IFSC code is typically printed on your bank passbook and on the top left corner of your chequebook leaf. However, due to bank mergers, it’s always wise to confirm the latest code, especially if the bank name has changed.

Q4: What is the difference between an IFSC code and a MICR code?
A4: An IFSC code (Indian Financial System Code) is used for online fund transfers (NEFT, RTGS, IMPS) to identify bank branches. A MICR code (Magnetic Ink Character Recognition) is a 9-digit code used for processing cheque payments and is found at the bottom of a cheque leaf. Both serve different purposes in the banking system.

Q5: What if I enter the wrong IFSC code during a transfer?
A5: If you enter an incorrect IFSC code, your transaction will likely fail and the funds will be returned to your account. This can cause delays. Always double-check the IFSC code to ensure it is accurate before confirming any transfer.