Bihar Gramin Bank Harinagar IFSC Code

The Bihar Gramin Bank branch in Harinagar, located in the West Champaran district of Bihar, serves as a crucial financial hub for the local community. When you need to send or receive money electronically, understanding the Indian Financial System Code (IFSC) for this branch is very important. This unique code is essential for all online fund transfers, including transactions made through NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). It ensures your money reaches the correct bank and branch without any issues.

Branch Details

Here are the complete details for the Bihar Gramin Bank, Harinagar branch:

Bank Name	Bihar Gramin Bank
Branch Name	Harinagar
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100318
Branch Address	Harinagar, WEST CHAMPARAN, 845103, 9297954045
Contact Number	9297954045
City	WEST CHAMPARAN
District	WEST CHAMPARAN
Reason	BETTIAH
Pincode	845103
State	Bihar

Merger Update

For those familiar with the banking landscape in Bihar, it’s important to know about a significant merger that has occurred. Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have merged to form the current Bihar Gramin Bank. This new entity is sponsored by Punjab National Bank (PNB). As a result of this merger, all branches of the erstwhile UBGB and DBGB now operate under the Bihar Gramin Bank banner and use a consolidated set of IFSC codes. Specifically, the IFSC code for Bihar Gramin Bank branches, including Harinagar, starts with PUNB0MBGB06.

This means that any old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are now revoked and are no longer valid for transactions. To ensure your fund transfers are successful, you must only use the new, valid IFSC codes like PUNB0MBGB06 for all Bihar Gramin Bank branches.

What is IFSC Code?

The IFSC Code, or Indian Financial System Code, is an eleven-character alphanumeric code that uniquely identifies every bank branch participating in online money transfers. It’s like a digital address for a specific branch.

The structure of the IFSC code is straightforward:

• The first four characters represent the bank’s name. For Bihar Gramin Bank, this is usually “PUNB” because it is sponsored by Punjab National Bank, followed by “0MBG” for “Micro Bihar Gramin”.
• The fifth character is always a ‘0’ (zero). This is reserved for future use and currently acts as a control character.
• The last six characters uniquely identify the specific bank branch. For the Harinagar branch, these are “B06”.

So, for example, in the code PUNB0MBGB06:

• PUNB0MBG stands for Bihar Gramin Bank (sponsored by Punjab National Bank).
• The 0 is the standard fifth character.
• B06 is the specific branch code for Harinagar.

How to Use IFSC Code

Using the IFSC code is a key step in making secure and timely online money transfers. Here’s how you typically use it for NEFT, RTGS, and IMPS transactions:

For NEFT (National Electronic Funds Transfer):

1. Log in to your bank’s online banking portal or mobile app.
2. Go to the ‘Fund Transfer’ or ‘Payments’ section.
3. Select ‘NEFT’.
4. Add a new beneficiary if you haven’t already. You will need:
   • Beneficiary Name
   • Beneficiary Account Number
   • Beneficiary Bank Name (Bihar Gramin Bank)
   • Beneficiary Branch Name (Harinagar)
   • Beneficiary IFSC Code (PUNB0MBGB06)
5. Enter the amount you wish to transfer and confirm the details.

For RTGS (Real Time Gross Settlement):

RTGS is typically used for larger value transactions (usually above ₹2 Lakh). The process is similar to NEFT:

1. Access your online banking or visit your bank branch.
2. Choose ‘RTGS’ for the transfer.
3. Provide the same beneficiary details as for NEFT, including the IFSC Code (PUNB0MBGB06).
4. Enter the transfer amount. The funds are processed continuously throughout the day.

For IMPS (Immediate Payment Service):

IMPS allows for instant money transfers 24/7, even on holidays. You can use it via mobile banking or internet banking:

1. Log in to your mobile banking app or internet banking.
2. Select ‘IMPS’ for fund transfer.
3. You may use either:
   • Account number and IFSC Code (PUNB0MBGB06) of the beneficiary.
   • OR Beneficiary’s Mobile Number and MMID (Mobile Money Identifier).
4. Enter the amount and confirm to send funds immediately.

Always double-check the IFSC code and account number before confirming any transaction to avoid transferring funds to the wrong recipient.

Benefits of Knowing Your IFSC Code

Having easy access to the correct IFSC code for your bank branch offers several practical benefits:

• Enables Digital Transactions: It’s the primary key for initiating all online fund transfers like NEFT, RTGS, and IMPS, allowing you to send or receive money electronically.
• Ensures Accuracy: The unique nature of the IFSC code helps ensure that funds are directed to the precise bank and branch, minimizing errors in transactions.
• Saves Time and Effort: By facilitating online transfers, it removes the need for physical visits to the bank branch for every money transfer, saving you time and travel costs.
• Enhances Security: The specific identification offered by the IFSC code adds a layer of security, as it helps in tracking the transaction to a particular branch.
• Broad Accessibility: It allows individuals and businesses to transfer funds across different banks and geographical locations within India efficiently.
• Prevents Transfer to Wrong Accounts: A correct IFSC code, along with the correct account number, is crucial to prevent money from being sent to an unintended recipient.

Contact Information

If you need to get in touch with the Bihar Gramin Bank, Harinagar branch, or the head office, here are the contact details:

• Branch Phone Number (Harinagar): 9297954045
• Branch Address (Harinagar): Harinagar, WEST CHAMPARAN, 845103, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Bihar Gramin Bank): 18001807777

Frequently Asked Questions

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

Q1: What is the exact IFSC code for Bihar Gramin Bank, Harinagar branch?
A1: The IFSC code for Bihar Gramin Bank, Harinagar branch, is PUNB0MBGB06.

Q2: Is Bihar Gramin Bank a part of Punjab National Bank?
A2: Bihar Gramin Bank is a Regional Rural Bank (RRB) sponsored by Punjab National Bank. While it operates as an independent entity, its IFSC codes reflect this sponsorship, often starting with the ‘PUNB’ prefix.

Q3: Can I still use the old IFSC codes for Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank?
A3: No, the old IFSC codes for Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) are no longer valid. These banks have merged to form Bihar Gramin Bank. You must use the new IFSC codes, such as PUNB0MBGB06, for all transactions related to Bihar Gramin Bank branches.

Q4: What should I do if I enter an incorrect IFSC code during a transaction?
A4: If you enter an incorrect IFSC code, the transaction will likely fail and not go through. Your bank will usually show an error message. If the transaction somehow went through with a wrong IFSC but a correct account number, it might get stuck or even be credited to a different account if that combination exists. It’s crucial to immediately contact your bank’s customer service for assistance in such cases.

Q5: Is the IFSC code the same for all branches of Bihar Gramin Bank?
A5: No, while the first few characters (PUNB0MBG) are common for all Bihar Gramin Bank branches, the last six characters are unique to each individual branch. So, the Harinagar branch has its specific IFSC code, which is different from other Bihar Gramin Bank branches.