Bihar Gramin Bank Dighra IFSC Code

Nestled in the Samastipur district of Bihar, the Dighra branch of Bihar Gramin Bank serves as a vital financial hub for its local community. Understanding its Indian Financial System Code (IFSC) is crucial for smooth and secure digital money transfers. The IFSC code acts as a unique identifier for bank branches. It is essential for initiating transactions through systems like National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). Without the correct IFSC, you cannot send or receive funds digitally to or from this specific branch.

Branch Details

Detail	Information
Bank Name	Bihar Gramin Bank
Branch Name	Dighra
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3912
Branch Address	Dighra, Samastipur, Bihar – 848115
Contact Number	9955997877
City	Samastipur
District	Samastipur
Pincode	848115
State	Bihar

Merger Update

Bihar Gramin Bank was formed from the merger of three Regional Rural Banks (RRBs): Kosi Kshetriya Gramin Bank, Purvanchal Gramin Bank, and Uttar Bihar Gramin Bank (UBGB). Because of this merger, and its sponsorship by Punjab National Bank (PNB), a unified set of IFSC codes is now used.

Specifically, for the Dighra branch, the IFSC code is PUNB0MBGB06. It is important to note that any old IFSC codes previously associated with Uttar Bihar Gramin Bank, or the other merging banks, have been revoked. Only this new IFSC code, beginning with “PUNB0” to signify its link with Punjab National Bank, is valid for all your transactions today. Always use the current code to ensure your money transfers are successful.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code. It uniquely identifies every bank branch in India. This code is crucial for electronic fund transfers. It helps direct money to the correct bank and branch.

The 11 characters have a specific structure:

• The first four characters represent the bank name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, which sponsors Bihar Gramin Bank.
• The fifth character is always a ‘zero’ (0). This character is reserved for future use and acts as a control digit.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” identifies the Dighra branch of Bihar Gramin Bank.

This structure ensures that each branch has a distinct code, preventing any confusion during transactions.

How to Use IFSC Code

You need the correct IFSC code whenever you transfer money electronically. Here’s how to use it for different types of transactions:

For NEFT (National Electronic Funds Transfer):

1. Log in to your online banking portal or mobile app.
2. Go to the “Fund Transfer” or “Payments” section.
3. Select “NEFT” as the transfer type.
4. Add a new beneficiary. You will need the beneficiary’s name, account number, account type, and the Dighra branch’s IFSC code (PUNB0MBGB06).
5. Once the beneficiary is added and approved, you can initiate the transfer by entering the amount.

For RTGS (Real Time Gross Settlement):

RTGS is for large value transactions. The process is similar to NEFT:

1. Access your bank’s online platform.
2. Choose “RTGS” for your transfer.
3. Enter the beneficiary’s details, including their name, account number, and the Dighra branch’s IFSC code (PUNB0MBGB06).
4. Input the amount you wish to send. The transaction will be processed individually in real-time.

For IMPS (Immediate Payment Service):

IMPS allows instant, 24/7 fund transfers. You can use it via mobile banking or internet banking:

1. Open your mobile banking app or internet banking site.
2. Select “IMPS Transfer.”
3. Enter the beneficiary’s mobile number and MMID (Mobile Money Identifier), or their account number and the IFSC code (PUNB0MBGB06).
4. Enter the transfer amount and confirm the transaction. The funds will be credited instantly.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for Bihar Gramin Bank, Dighra branch, offers several key advantages:

• Ensures Accurate Transfers: It guarantees that your money reaches the intended recipient’s bank account at the specific branch.
• Facilitates Digital Transactions: It is mandatory for all major electronic fund transfer methods like NEFT, RTGS, and IMPS.
• Prevents Delays: Using the correct code avoids transaction failures or delays that occur with incorrect banking details.
• Security: The unique code adds a layer of security, confirming the branch identity for financial operations.
• Time-Saving: Once you have the correct code, setting up beneficiaries for recurring payments becomes quick and easy.

Contact Information

Dighra Branch Contact:

• Phone Number: 9955997877
• Address: Dighra, Samastipur, Bihar – 848115

Bihar Gramin Bank Head Office:

• Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Q1: What is the main purpose of an IFSC code?
A1: The main purpose of an IFSC code is to identify individual bank branches for electronic fund transfers. It ensures that money sent through NEFT, RTGS, or IMPS goes to the correct branch of the correct bank, making transactions secure and accurate.

Q2: Can I use an old IFSC code for Uttar Bihar Gramin Bank?
A2: No, you cannot. Bihar Gramin Bank was formed by the merger of several RRBs, including Uttar Bihar Gramin Bank. All old IFSC codes for the merging banks have been revoked. You must use the new, standardized IFSC code, such as PUNB0MBGB06 for the Dighra branch, which reflects its sponsorship by Punjab National Bank.

Q3: What should I do if my online transaction fails due to an incorrect IFSC code?
A3: If your transaction fails because of an incorrect IFSC code, the funds are usually reversed to your account within a few hours or a business day. You should then re-initiate the transaction using the correct IFSC code (PUNB0MBGB06 for Dighra branch) and beneficiary details.

Q4: Is the IFSC code the same as the MICR code?
A4: No, the IFSC code and MICR code are different. The IFSC code (e.g., PUNB0MBGB06) is an 11-character alphanumeric code used for online transfers. The MICR code (e.g., 800811002) is a 9-digit numeric code found on cheque leaves, primarily used for clearing cheques.

Q5: Where can I find the IFSC code for the Dighra branch?
A5: You can find the IFSC code (PUNB0MBGB06) on your cheque book, bank passbook, or by visiting the Bihar Gramin Bank’s official website. It is also available on the Reserve Bank of India (RBI) website. Alternatively, you can refer to the branch details table provided in this article.