If you’re looking to transfer money to or from the Bihar Gramin Bank branch in FAZALGANJ, Rohtas, Bihar, you’ll need the Indian Financial System Code (IFSC). This unique code is crucial for online transactions like National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). It ensures your money goes to the correct bank and specific branch without error.
Bihar Gramin Bank FAZALGANJ Branch Details
Here are the full details for the Bihar Gramin Bank FAZALGANJ branch:
| Bank Name | Bihar Gramin Bank |
| Branch Name | FAZALGANJ |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6904 |
| Branch Address | FAZALGANJ, Rohtas, 821115, 9523596904 |
| Contact Number | 9523596904 |
| City | Rohtas |
| District | Rohtas |
| Reason | SASARAM |
| Pincode | 821115 |
| State | Bihar |
Merger and IFSC Code Updates
Bihar Gramin Bank is a Regional Rural Bank (RRB) sponsored by Punjab National Bank (PNB). Over the years, the Indian banking sector has seen several consolidations, especially among RRBs. These mergers aim to streamline operations and provide better services.
In line with these changes, many regional rural banks, including certain former entities like Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB), have been brought under the umbrella of larger sponsor banks. When such mergers happen, the IFSC codes are updated to reflect the new structure. For banks now sponsored by Punjab National Bank, their IFSC codes often begin with “PUNB”.
The IFSC code for the FAZALGANJ branch, PUNB0MBGB06, reflects this new system. It’s important to know that if your bank was part of a merger (like former UBGB or DBGB entities now falling under a PNB-sponsored structure), any old IFSC codes you might have saved are now revoked. Only the new, updated IFSC code, such as PUNB0MBGB06, is valid for all your financial transactions. Always use the latest IFSC code to ensure your funds reach the correct destination.
What is an IFSC Code?
The IFSC Code is a unique, 11-character alphanumeric code. It identifies every bank branch participating in online money transfers in India. Think of it as a digital address for your bank branch.
Here’s how it’s structured:
- The first four characters represent the bank’s name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank. This indicates the sponsor bank.
- The fifth character is always a zero (0). This character is reserved for future use.
- The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” points to the unique FAZALGANJ branch within the Bihar Gramin Bank system, under the PNB sponsorship framework.
This detailed structure ensures that no two branches have the same IFSC code, making online transfers highly secure and accurate.
How to Use the IFSC Code for Fund Transfers
Using the IFSC code is simple and essential for online money transfers. Here’s a step-by-step guide for NEFT, RTGS, and IMPS:
- Log In: Access your online banking portal or mobile banking app.
- Select Transfer Type: Choose the type of transfer you want to make – NEFT, RTGS, or IMPS.
- Add Beneficiary: If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary.
- Enter Beneficiary Details: You will need to provide the following information for the recipient:
- Beneficiary’s Name
- Beneficiary’s Account Number (confirm this twice)
- Bank Name (e.g., Bihar Gramin Bank)
- IFSC Code (PUNB0MBGB06 for FAZALGANJ branch)
- Enter Amount: Specify the amount you wish to transfer.
- Confirm and Transact: Review all details carefully before confirming the transaction. The IFSC code ensures your money reaches the FAZALGANJ branch of Bihar Gramin Bank.
Always double-check the IFSC code and account number to prevent any transfer errors.
Benefits of Knowing Your IFSC Code
Knowing the correct IFSC code for your bank branch offers several key advantages:
- Secure Transfers: It guarantees that your online transactions are routed to the precise branch, minimizing errors and ensuring security.
- Faster Processing: Correct IFSC codes allow banks to process NEFT, RTGS, and IMPS transactions quickly and efficiently.
- Required for Online Banking: It’s a mandatory detail for setting up any online fund transfer. Without it, you cannot send money digitally.
- Accurate Communication: Helps in clear communication between different banks during inter-bank transfers.
- Receiving Funds: If someone needs to send you money online, they will require your bank’s IFSC code along with your account number.
Contact Information
For any queries or assistance related to the FAZALGANJ branch or Bihar Gramin Bank, you can use the following contact details:
- Branch Phone Number: 9523596904
- Branch Address: FAZALGANJ, Rohtas, 821115
- Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 18001807777
Frequently Asked Questions (FAQs)
What is the primary purpose of an IFSC Code?
The primary purpose of an IFSC Code is to uniquely identify each bank branch in India that participates in electronic fund transfers. It helps route money correctly during NEFT, RTGS, and IMPS transactions.
Is the IFSC Code different for every branch of Bihar Gramin Bank?
Yes, each individual branch of Bihar Gramin Bank, or any other bank, has its own unique IFSC Code. Even branches in the same city will have different IFSC Codes, as the last six characters specifically identify the branch.
Can I use an old IFSC Code if my bank merged?
No, it is crucial to use only the updated IFSC Code after a bank merger. Old IFSC Codes are typically revoked and will cause transactions to fail. Always confirm the latest IFSC Code to ensure successful transfers.
How can I find the IFSC Code for a different branch?
You can find the IFSC Code for any branch on your bank’s official website, your cheque book, or your passbook. Many financial websites also provide directories where you can search for IFSC Codes using the bank name, state, district, and branch.
Is an IFSC Code required for cash deposits at a branch?
No, an IFSC Code is not required for cash deposits or withdrawals made directly at a bank branch counter. It is specifically used for electronic fund transfers (NEFT, RTGS, IMPS) between different bank accounts.
Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.