Bihar Gramin Bank FATUHA IFSC Code

If you’re managing your banking needs in Fatuha, a key town in the Patna district of Bihar, understanding how to transfer funds correctly is essential. Whether you’re sending money to family, paying bills, or handling business transactions, the Indian Financial System Code (IFSC) plays a vital role. This unique 11-character code is crucial for all electronic fund transfers in India, including 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 delay, making your financial transactions smooth and secure.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	FATUHA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7315
Branch Address	FATUHA, Patna, 803201, 9771464315
Contact Number	9771464315
City	Patna
District	Patna
Reason	PATNA
Pincode	803201
State	Bihar

Merger Update

For customers of what was previously Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), it’s important to know about a significant merger. Both UBGB and DBGB have merged to form a single, unified entity: Bihar Gramin Bank. This new bank operates under the sponsorship of Punjab National Bank (PNB).

As a result of this merger, all branches of the former UBGB and DBGB now use a single, standardized IFSC code. The unified IFSC code for Bihar Gramin Bank is PUNB0MBGB06. This code applies to all its branches, including the FATUHA branch. It is crucial to understand that any old IFSC codes previously associated with UBGB or DBGB are no longer valid for transactions. To ensure your fund transfers are processed correctly, you must use only the new PUNB0MBGB06 IFSC code.

What is an IFSC Code?

The IFSC Code, or Indian Financial System Code, is a unique 11-character alphanumeric code. It’s designed to identify every bank branch in India participating in the NEFT, RTGS, and IMPS networks. Think of it as a specific address for each bank branch that helps direct your money to the right place electronically.

The structure of an IFSC code is standard across all banks:

• The first four characters represent the bank’s name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always a “0” (zero). This is a control character reserved for future use.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” identifies the specific branch, which in this case refers to Bihar Gramin Bank’s FATUHA branch.

Knowing this structure helps you quickly identify the bank and the specific branch from the IFSC code itself.

How to Use an IFSC Code

Using an IFSC code is straightforward when you’re making electronic fund transfers. Here’s how you typically use it for NEFT, RTGS, or IMPS transactions:

1. Log In: Access your online banking portal or mobile banking app.
2. Select Transfer Option: Choose “Fund Transfer,” “NEFT,” “RTGS,” or “IMPS” depending on your 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 providing:
   • Beneficiary’s Name
   • Beneficiary’s Account Number
   • Beneficiary’s Bank Name (e.g., Bihar Gramin Bank)
   • Beneficiary’s Branch Name (e.g., FATUHA)
   • The crucial IFSC Code (e.g., PUNB0MBGB06)
4. Verify Details: After entering the IFSC code, the system will often auto-populate the bank and branch name for verification. Always double-check these details to ensure accuracy.
5. Enter Amount and Confirm: Specify the amount you wish to transfer and proceed to confirm the transaction.

Always ensure the IFSC code and account number are correct to prevent funds from being sent to the wrong recipient.

Benefits of Knowing Your IFSC Code

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

• It ensures accurate transfers, directing your money to the specific bank branch intended.
• It makes online banking hassle-free, as it’s a mandatory field for NEFT, RTGS, and IMPS transactions.
• It speeds up the process of adding new beneficiaries, as banks often verify the branch details using the code.
• It helps in avoiding transaction failures or delays that can occur due to incorrect bank or branch information.
• It is essential for receiving funds from others, as they will need your branch’s IFSC code to send money to your account.

Contact Information

For any queries related to the Bihar Gramin Bank FATUHA branch, you can use the following contact details:

• Branch Phone Number: 9771464315
• Branch Address: FATUHA, Patna, 803201
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

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

Q1: Can I still use my old Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) IFSC code?
A1: No, all old IFSC codes for UBGB and DBGB branches have been revoked. You must use the new unified IFSC code, PUNB0MBGB06, for all transactions with Bihar Gramin Bank.

Q2: What happens if I enter the wrong IFSC code during a fund transfer?
A2: If the IFSC code is incorrect, the transaction will likely fail, and the funds will not be debited from your account. In some rare cases, if the wrong IFSC code corresponds to an actual valid branch and the account number also matches a real account in that branch, your funds could be transferred incorrectly. Always double-check both the IFSC code and account number.

Q3: Is the IFSC code the same for all branches of Bihar Gramin Bank?
A3: Yes, as a result of the merger, all branches of Bihar Gramin Bank now operate under the single IFSC code PUNB0MBGB06, which is sponsored by Punjab National Bank.

Q4: Do I need an IFSC code for cash deposits or withdrawals at the branch?
A4: No, an IFSC code is specifically required for electronic fund transfers like NEFT, RTGS, and IMPS. For cash deposits or withdrawals directly at the branch counter, you typically only need your account number and identity proof.

Q5: How can I find the IFSC code for a different bank or branch?
A5: You can usually find the IFSC code on your bank’s passbook, chequebook, or on the bank’s official website. Many reliable financial websites also provide IFSC code lookup tools. Remember to always verify the information from a trusted source.