Bihar Gramin Bank Gangaliaragi-Harda IFSC Code

This article provides details about the Bihar Gramin Bank branch located in Gangaliaragi-Harda, Purnia, Bihar. When you need to transfer money electronically, such as through NEFT, RTGS, or IMPS, having the correct Indian Financial System Code (IFSC) is essential. This unique code helps identify the bank and a specific branch, ensuring your funds reach the right destination securely and efficiently.

Branch Details

Here are the key details for the Bihar Gramin Bank, Gangaliaragi-Harda branch:

Bank Name	Bihar Gramin Bank
Branch Name	Gangaliaragi-Harda
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100860
Branch Address	Gangaliaragi-Harda, PURNIA, 854303, 9297954146
Contact Number	9297954146
City	PURNIA
District	PURNIA
Reason	PURNEA
Pincode	854303
State	Bihar

Merger Update

The Bihar Gramin Bank, which includes the Gangaliaragi-Harda branch, was formed through the merger of two significant regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both of these banks are now part of Bihar Gramin Bank and are sponsored by Punjab National Bank (PNB).

Due to this merger, all previous IFSC codes associated with Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank have been revoked. For any financial transactions involving Bihar Gramin Bank, including the Gangaliaragi-Harda branch, you must use the updated and unified IFSC code: PUNB0MBGB06. Using any old IFSC codes will result in failed transactions.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to uniquely identify every bank branch participating in online money transfers like NEFT, RTGS, and IMPS. This code helps the banking system direct your funds accurately to the intended recipient’s account at a specific branch.

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

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

How to Use an IFSC Code

When you need to send money electronically using NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service), the IFSC code is a mandatory piece of information. Here’s how you generally use it:

• Online Banking (NEFT/RTGS/IMPS): When you log into your bank’s online portal or mobile app to initiate a fund transfer, you will typically go to the “Add Beneficiary” or “Transfer Funds” section. You’ll be asked to provide the beneficiary’s account number, account holder’s name, and the IFSC code of their bank branch. For example, if you are sending money to an account at the Gangaliaragi-Harda branch of Bihar Gramin Bank, you would enter “PUNB0MBGB06” in the IFSC field.
• Physical Bank Form: If you are filling out a physical form at your bank branch to request a NEFT or RTGS transfer, you will need to write down the recipient’s IFSC code along with their account details on the form.
• Important Note: Always double-check the IFSC code, account number, and recipient’s name before confirming any transaction. An incorrect IFSC code might cause your transaction to fail or, in rare cases, send money to the wrong account if the account number is also similar.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch, or for someone you need to pay, offers several advantages:

• Facilitates Electronic Transfers: It is crucial for fast and secure NEFT, RTGS, and IMPS transactions, allowing money to move between different banks and branches.
• Ensures Accuracy: The unique nature of the IFSC code minimizes errors in fund transfers by directing money to the exact intended branch.
• Quick Access to Information: It helps in quickly identifying the bank and branch details without needing to remember complex branch names or addresses.
• Interbank Transactions: It makes interbank transactions seamless, enabling individuals and businesses to send and receive funds across various banks in India.
• Online Convenience: Many banking services, from adding beneficiaries to paying utility bills, rely on the IFSC code for smooth operation, making online banking more convenient.

Contact Information

For inquiries related to the Gangaliaragi-Harda branch or Bihar Gramin Bank, you can use the following contact details:

• Branch Phone Number (Gangaliaragi-Harda): 9297954146
• Branch Address (Gangaliaragi-Harda): Gangaliaragi-Harda, PURNIA, 854303
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Bihar Gramin Bank Toll-Free Number: 18001807777

Frequently Asked Questions

Q1: Is the IFSC code PUNB0MBGB06 valid for all branches of Bihar Gramin Bank?
A1: Yes, after the merger, PUNB0MBGB06 is the unified IFSC code used by Bihar Gramin Bank for all its branches, including the Gangaliaragi-Harda branch. This simplifies the process as you don’t need to look for a different code for each branch.

Q2: What should I do if my online transfer fails using the old UBGB or DBGB IFSC code?
A2: If your transfer fails, it’s likely because you are using an old IFSC code from Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank. You must update the beneficiary details with the new IFSC code, PUNB0MBGB06, for Bihar Gramin Bank. Once updated, the transaction should process successfully.

Q3: Can I find the IFSC code on my passbook or cheque book?
A3: Yes, typically the IFSC code is printed on the first page of your bank passbook and on individual cheque leaves. However, it’s always a good practice to verify the current code, especially after bank mergers, to ensure you have the most up-to-date information.

Q4: What is the difference between IFSC and MICR codes?
A4: Both are important for banking. The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used for electronic fund transfers (NEFT, RTGS, IMPS). The MICR (Magnetic Ink Character Recognition) code is a 9-digit numerical code found on cheque leaves, primarily used for clearing cheques efficiently. For this branch, the MICR code is 800811002.

Q5: How can I confirm if PUNB0MBGB06 is the correct IFSC for Gangaliaragi-Harda branch?
A5: You can confirm this by checking the official website of Bihar Gramin Bank, contacting their customer care (using the toll-free number 18001807777), or visiting the Gangaliaragi-Harda branch directly. The bank’s official sources will always provide the most accurate information.