Bihar Gramin Bank GANJ BHARSARA IFSC Code

The Bihar Gramin Bank branch in GANJ BHARSARA, located in the Rohtas district of Bihar, serves as an important hub for financial services in the region. For anyone looking to transfer money electronically, understanding the Indian Financial System Code (IFSC) for this branch is crucial. The IFSC code is a unique identifier that makes sure your funds go to the right bank and the correct branch when you’re using services like NEFT, RTGS, or IMPS. It acts like a digital address, preventing errors and ensuring your transactions are processed smoothly and securely.

Branch Details

Here are the key details for the Bihar Gramin Bank, GANJ BHARSARA branch:

Bank Name	Bihar Gramin Bank
Branch Name	GANJ BHARSARA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7354
Branch Address	GANJ BHARSARA, Rohtas, 802218
Contact Number	9771464354
City	Rohtas
District	Rohtas
Reason	SASARAM
Pincode	802218
State	Bihar

Merger Update

It is important to know that Bihar Gramin Bank was formed from the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both of these entities are now part of Bihar Gramin Bank. As a result of this merger and consolidation, the bank now operates under the sponsorship of Punjab National Bank.

Because of these changes, all transactions for Bihar Gramin Bank, including the GANJ BHARSARA branch, use a single, unified IFSC code: PUNB0MBGB06. If you previously had an IFSC code for Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank, those old codes are no longer valid. For any online fund transfers, you must use the new code, PUNB0MBGB06, to ensure your transaction is successful.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code that uniquely identifies every bank branch in India participating in online money transfers. Think of it as a unique address for a specific bank branch.

The structure of the IFSC code is straightforward:

• The first four characters represent the bank’s name. For Bihar Gramin Bank, the code starts with “PUNB” because it operates under Punjab National Bank.
• The fifth character is always a “0” (zero). This is a control character reserved for future use.
• The last six characters uniquely identify the specific bank branch. For the GANJ BHARSARA branch, these are “MBGB06”. These last six digits change for every branch.

This standardized structure helps the Reserve Bank of India (RBI) and other banks process electronic payments accurately and efficiently.

How to Use IFSC Code

Using the IFSC code is a key part of making secure online fund transfers. Here’s how it works for common services like NEFT, RTGS, and IMPS:

1. Gather Recipient Details: You will need the recipient’s full name, their bank account number, the name of their bank, and importantly, their correct IFSC code.
2. Log In to Your Net Banking or Mobile Banking App: Access your bank’s online platform.
3. Select Transfer Type: Choose the type of transfer you want to make – NEFT (National Electronic Funds Transfer) for standard transfers, RTGS (Real Time Gross Settlement) for large, urgent transfers, or IMPS (Immediate Payment Service) for instant transfers.
4. Enter Recipient Information: In the designated fields, input all the details you gathered. This includes the recipient’s account number and the IFSC code (PUNB0MBGB06 for Bihar Gramin Bank, GANJ BHARSARA).
5. Enter Amount: Specify the amount of money you wish to send.
6. Review and Confirm: Double-check all the entered information, especially the account number and IFSC code, to prevent errors. A small mistake here could send money to the wrong account.
7. Authenticate: Complete the transaction using your bank’s security measures, such as an OTP (One-Time Password) or transaction password.

The system uses the IFSC code to correctly identify the recipient’s branch and route the funds there. Without the correct IFSC, your transaction will likely fail.

Benefits of Knowing Your IFSC Code

Knowing the IFSC code for your bank branch, or for someone you’re sending money to, offers several important benefits:

• Ensures Accuracy: The IFSC code guarantees that funds are transferred to the precise bank and branch intended, reducing the risk of errors.
• Facilitates Secure Transactions: It is a crucial security feature for online banking, making electronic fund transfers safer.
• Speeds Up Transfers: For services like NEFT and RTGS, the IFSC code enables quick routing and processing of transactions across different banks.
• Mandatory for Online Transfers: It is a requirement for all inter-bank electronic fund transfers, meaning you cannot send money without it.
• Easy Identification: It acts as a unique identifier for bank branches, simplifying the process of locating and verifying branch details.

Contact Information

For inquiries related to the Bihar Gramin Bank, GANJ BHARSARA branch, or the bank’s services, you can use the following contact details:

• Branch Phone Number: 9771464354
• Branch Address: GANJ BHARSARA, Rohtas, Pincode – 802218, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: What does IFSC stand for?
A1: IFSC stands for Indian Financial System Code. It’s an 11-character alphanumeric code used to identify bank branches for electronic fund transfers in India.

Q2: Is the IFSC code for GANJ BHARSARA branch the same as other Bihar Gramin Bank branches?
A2: No, while the first four characters (“PUNB”) and the fifth character (“0”) will be the same for all Bihar Gramin Bank branches, the last six characters are unique to each individual branch. So, GANJ BHARSARA’s IFSC (PUNB0MBGB06) is unique to that specific branch.

Q3: Can I still use an old IFSC code if my account was previously with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank?
A3: No, old IFSC codes for Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) are no longer valid. You must use the new unified IFSC code, PUNB0MBGB06, for all transactions involving Bihar Gramin Bank accounts.

Q4: What happens if I enter the wrong IFSC code during a fund transfer?
A4: If you enter an incorrect IFSC code, the transaction will usually fail and the funds will not be debited from your account. In some rare cases, if the incorrect code corresponds to another valid branch and account combination, the funds might be transferred incorrectly. Always double-check the IFSC code before confirming a transaction.

Q5: Is an IFSC code required for all types of bank transactions?
A5: No, the IFSC code is primarily required for inter-bank electronic fund transfers such as NEFT, RTGS, and IMPS. It is not typically needed for cash deposits, withdrawals, or transfers within the same bank using only the account number.

Q6: Where can I find the correct IFSC code for my branch?
A6: You can find the IFSC code on your bank passbook, cheque book, the bank’s official website, or by contacting your branch directly. Reliable sources like the Reserve Bank of India (RBI) website also provide this information.