Bihar Gramin Bank Doriganj IFSC Code

This article provides important details about the Bihar Gramin Bank branch located in Doriganj, in the Saran district of Bihar. For anyone needing to send or receive money electronically, understanding the Indian Financial System Code (IFSC) is crucial. This unique 11-character code is essential for all online fund transfers, including transactions made through NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). It ensures that your money reaches the correct bank and specific branch without error.

Bihar Gramin Bank Doriganj Branch Details

Here are the key details for the Bihar Gramin Bank branch in Doriganj:

Bank Name	Bihar Gramin Bank
Branch Name	Doriganj
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	108019
Branch Address	Doriganj, SARAN, 841301, 9297955220
Contact Number	9297955220
City	SARAN
District	SARAN
Reason	CHAPRA
Pincode	841301
State	Bihar

Merger Update for Bihar Gramin Bank

It is important to note a significant change regarding the regional rural banks in Bihar. Previously, banks like Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) operated separately. Both of these banks have now merged into a unified entity. Consequently, all branches that were formerly part of UBGB or DBGB now operate under a single, standardized IFSC code. This new code, PUNB0MBGB06, is sponsored by Punjab National Bank.

This means that any old IFSC codes associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are no longer valid for transactions. For any fund transfers to branches like Doriganj, which is now part of this integrated structure, you must use only the new IFSC code: PUNB0MBGB06. Using outdated codes will lead to failed transactions.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is a unique 11-character alphanumeric code used to identify all bank branches in India. It is critical for electronic fund transfers. The code is structured in a specific way:

• The first four characters represent the bank’s name. For example, “PUNB” in PUNB0MBGB06 stands for Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always zero (0). This character is reserved for future use and helps distinguish bank branches from other financial entities.
• The last six characters identify the specific branch. In the Doriganj branch’s IFSC code, “MBGB06” uniquely identifies this particular branch under the Madhya Bihar Gramin Bank structure.

How to Use an IFSC Code

Using the IFSC code is a straightforward process when you are making online fund transfers. Here are the general steps for common transfer methods:

For NEFT (National Electronic Funds Transfer):

1. Log in to your bank’s 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 (recipient) if you haven’t already. You will need the beneficiary’s name, account number, account type, and the IFSC code (PUNB0MBGB06 for Doriganj branch).
5. Enter the amount you wish to transfer.
6. Confirm the details and complete the transaction. NEFT transfers are processed in batches during specific hours.

For RTGS (Real Time Gross Settlement):

1. Access your bank’s online banking or mobile app.
2. Choose “RTGS” for your fund transfer.
3. Provide the beneficiary’s details, including their name, account number, account type, and the IFSC code (PUNB0MBGB06). RTGS is typically used for larger amounts.
4. Input the transfer amount.
5. Review all information carefully and authorize the transfer. RTGS transactions are processed individually and in real-time, meaning funds are settled immediately.

For IMPS (Immediate Payment Service):

1. Open your bank’s mobile banking app or internet banking site.
2. Select the “IMPS” option for immediate transfers.
3. Enter the beneficiary’s account details: name, account number, and the IFSC code (PUNB0MBGB06). You might also use their Mobile Money Identifier (MMID) if they have registered for it.
4. Specify the amount to be transferred.
5. Verify the details and proceed. IMPS transactions are available 24/7, including holidays, and are processed instantly.

Benefits of Knowing Your IFSC Code

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

• Accurate Fund Transfers: It ensures that your money goes to the right bank and the exact branch, preventing misdirected funds.
• Faster Transactions: With the correct IFSC, electronic fund transfers like NEFT, RTGS, and IMPS are processed smoothly and efficiently.
• Security: The unique identification of each branch adds a layer of security to digital banking transactions.
• Convenience: It simplifies the process of sending and receiving money online, eliminating the need for physical visits to the bank.
• Essential for Online Banking: Almost all online banking services require an IFSC code for setting up beneficiaries and initiating transfers.

Contact Information

For any inquiries or assistance related to the Doriganj branch or Bihar Gramin Bank:

• Doriganj Branch Phone Number: 9297955220
• Doriganj Branch Address: Doriganj, SARAN, 841301
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: What is the IFSC code for Bihar Gramin Bank, Doriganj branch?
A1: The IFSC code for Bihar Gramin Bank, Doriganj branch, is PUNB0MBGB06.

Q2: Is the Doriganj branch still part of Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB)?
A2: No, Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank have merged. All branches, including Doriganj, now operate under a unified structure, using the new common IFSC code PUNB0MBGB06.

Q3: Can I use an old IFSC code for Bihar Gramin Bank for a fund transfer?
A3: No, old IFSC codes from Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are no longer valid. You must use the current IFSC code PUNB0MBGB06 for any electronic fund transfers to ensure the transaction is successful.

Q4: What information do I need to perform an online fund transfer using an IFSC code?
A4: You will generally need the beneficiary’s name, their bank account number, the type of account (savings or current), and the correct IFSC code of their bank branch (PUNB0MBGB06 for Doriganj).

Q5: What does “PUNB0MBGB06” indicate in the IFSC code?
A5: “PUNB” signifies Punjab National Bank, the sponsoring bank. The “0” is a reserved character. “MBGB06” identifies the specific branch, Doriganj, within the Madhya Bihar Gramin Bank structure.