Bihar Gramin Bank Englishia IFSC Code

If you’re looking to send or receive money to the Bihar Gramin Bank branch in Englishia, located in West Champaran, Bihar, understanding its Indian Financial System Code (IFSC) is crucial. This unique code acts like a digital address for bank branches across India. It’s essential for all major electronic fund transfer systems, including National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). Without the correct IFSC, your money transfers simply won’t go through to the right place.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Englishia
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100301
Branch Address	Englishia, WEST CHAMPARAN, 845453, 9297954038
Contact Number	9297954038
City	WEST CHAMPARAN
District	WEST CHAMPARAN
Reason	BETTIAH
Pincode	845453
State	Bihar

Merger Update

Previously, Bihar had several regional rural banks like Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These banks have since merged and are now operating under the name Bihar Gramin Bank. This unified entity uses a single, standardized IFSC code structure. Specifically, for Bihar Gramin Bank branches, the IFSC codes are sponsored by Punjab National Bank (PNB). The old IFSC codes for UBGB and DBGB branches are no longer valid. For any transactions with Bihar Gramin Bank, including the Englishia branch, you must use the new, consolidated IFSC code PUNB0MBGB06. Using an old or incorrect code will cause your transaction to fail.

What is IFSC Code?

An IFSC code is an 11-character alphanumeric code used to identify bank branches involved in electronic money transfers within India. Think of it as a unique address that ensures your funds reach the correct branch. The structure of the code is easy to understand:

• The first four characters represent the bank name. For instance, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always ‘0’ (zero). This is a control character reserved for future use and remains constant across all IFSC codes.
• The last six characters identify the specific branch. In our example, “MBGB06” identifies the Englishia branch of Bihar Gramin Bank. This part of the code changes from one branch to another within the same bank.

How to Use IFSC Code

Using the IFSC code is a straightforward process when you’re making electronic fund transfers. Here’s how it works for common transfer types:

• For NEFT (National Electronic Funds Transfer): This system processes transfers in batches. When you initiate an NEFT transaction through your bank’s online portal or at a branch, you’ll need to provide the beneficiary’s name, account number, account type, and the correct IFSC code (PUNB0MBGB06 for Englishia branch). The funds typically settle within a few hours.
• For RTGS (Real Time Gross Settlement): RTGS is for high-value transactions (usually Rs 2 lakh and above) and processes transfers continuously in real-time. Similar to NEFT, you’ll need the beneficiary’s details, including their account number and the IFSC code (PUNB0MBGB06). The money is transferred almost instantly.
• For IMPS (Immediate Payment Service): IMPS allows for instant, 24/7 fund transfers, even on holidays. This is commonly used via mobile banking apps. When using IMPS, you will typically enter the beneficiary’s mobile number and MMID (Mobile Money Identifier), or their account number and IFSC code (PUNB0MBGB06).

Always double-check the IFSC code, account number, and beneficiary name before confirming any transaction to avoid sending money to the wrong recipient.

Benefits

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

• Accurate Fund Transfers: Ensures your money goes to the right bank and branch without errors.
• Faster Processing: Correct codes streamline electronic transfers like NEFT, RTGS, and IMPS, leading to quicker receipt of funds.
• Enhanced Security: Reduces the risk of fraudulent transactions by precisely identifying the destination branch.
• Convenience: Facilitates smooth online banking and mobile banking transactions.
• Eliminates Physical Visits: Reduces the need to visit a bank branch for depositing or withdrawing cash for transfers.

Contact Section

For any queries related to the Bihar Gramin Bank, Englishia branch, or other banking services, you can use the following contact details:

• Branch Phone Number: 9297954038
• Branch Address: Englishia, WEST CHAMPARAN, 845453, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

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

Q1: Is the IFSC code PUNB0MBGB06 valid for all Bihar Gramin Bank branches?
A: No, PUNB0MBGB06 is specifically for the Englishia branch. While “PUNB0MBGB” represents Bihar Gramin Bank under the sponsorship of PNB, the last six characters will change for other branches. Each branch has its own unique IFSC code.

Q2: What is the MICR code for Bihar Gramin Bank, Englishia branch?
A: The MICR (Magnetic Ink Character Recognition) code for the Englishia branch is 800811002. This code is found on cheque leaves and is used for processing cheques.

Q3: Can I transfer money using only the account number and bank name without an IFSC code?
A: For NEFT, RTGS, and IMPS transfers within India, the IFSC code is mandatory. Without it, the electronic transfer system cannot correctly route your funds to the specific branch.

Q4: What should I do if my transaction fails due to an incorrect IFSC code?
A: If your transaction fails because of an incorrect IFSC code, the money is usually returned to your account within a few hours or days. You should then verify the correct IFSC code for the beneficiary’s branch and try the transfer again.

Q5: Is Bihar Gramin Bank a government bank?
A: Bihar Gramin Bank is a Regional Rural Bank (RRB). These banks are government-sponsored, jointly owned by the Government of India, the respective State Government, and a Sponsoring Bank (in this case, Punjab National Bank). They operate specifically to cater to the financial needs of rural and semi-urban areas.