Bihar Gramin Bank Hariwatika Chowk IFSC Code

This article provides detailed information about the Indian Financial System Code (IFSC) for the Bihar Gramin Bank branch located at Hariwatika Chowk in West Champaran, Bihar. Knowing the correct IFSC code is crucial for anyone looking to make secure and efficient fund transfers. This unique code allows you to send or receive money through digital methods like National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). Without it, your bank cannot properly identify the recipient’s branch for these online transactions, making the transfer impossible.

Branch Details

Here are the specific details for the Bihar Gramin Bank, Hariwatika Chowk branch:

Bank Name	Bihar Gramin Bank
Branch Name	Hariwatika Chowk
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100297
Branch Address	Hariwatika Chowk, WEST CHAMPARAN, 845438, 9297954008
Contact Number	9297954008
City	WEST CHAMPARAN
District	WEST CHAMPARAN
Reason	BETTIAH
Pincode	845438
State	Bihar

Merger Update for Bihar Gramin Bank

Bihar Gramin Bank is a Regional Rural Bank (RRB) sponsored by Punjab National Bank. It was formed by the significant merger of two earlier banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This merger means that both Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank no longer operate as separate entities.

As a result of this consolidation, all branches that previously belonged to UBGB or DBGB now fall under the unified Bihar Gramin Bank. The IFSC code for these merged entities, including the Hariwatika Chowk branch, follows a new standard under Punjab National Bank’s sponsorship. The designated IFSC code for Bihar Gramin Bank branches is PUNB0MBGB06.

It is very important to note that any old IFSC codes previously used for Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are now revoked and are no longer valid for transactions.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 use only the new, updated IFSC code, such as PUNB0MBGB06 for the Hariwatika Chowk branch.

What is an IFSC Code?

An IFSC code, or Indian Financial System Code, is an 11-character alphanumeric code. It uniquely identifies every bank branch participating in online fund transfers within India. Think of it like a unique address for your specific bank branch. Its structure is always the same, making it easy to understand:

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

This standardized format helps ensure that funds are directed to the correct bank and branch without errors during digital transactions.

How to Use an IFSC Code

Using an IFSC code is straightforward when you’re making an online fund transfer. Here’s how it generally works for NEFT, RTGS, and IMPS:

1. Log In: Access your bank’s net banking portal or mobile banking app.
2. Select Transfer Type: Choose the type of transfer you want to make – NEFT, RTGS, or IMPS.
3. Add Beneficiary: If you’re sending money to a new recipient, you’ll need to add them as a beneficiary. This usually involves providing their name, account number, and the correct IFSC code of their bank branch.
4. Enter Details: Input the amount you wish to transfer and confirm the beneficiary details, including their account number and the IFSC code (PUNB0MBGB06 for Hariwatika Chowk branch).
5. Confirm: Review all the details carefully before confirming the transaction. The system will use the IFSC code to route your funds to the correct branch.

For NEFT and RTGS, the IFSC ensures the correct bank and branch are identified for large value or batch processing. For IMPS, which is instant, the IFSC rapidly routes the funds to the right place.

Benefits of Knowing Your IFSC Code

Understanding and knowing the correct IFSC code for your bank branch offers several key advantages:

• Accurate Fund Transfers: It ensures your money goes to the correct recipient bank branch, preventing costly errors or delays.
• Faster Processing: Correct IFSC codes help banks process NEFT, RTGS, and IMPS transactions quickly and efficiently.
• Enhanced Security: The unique code adds a layer of security by confirming the legitimacy of the recipient’s branch.
• Convenience for Online Banking: It is essential for initiating any online fund transfer, making digital banking services fully accessible.
• Bank Identification: Helps quickly identify the specific bank and branch, even among merged entities.

Contact Information

For any inquiries or assistance related to Bihar Gramin Bank:

• Branch Phone Number (Hariwatika Chowk): 9297954008
• Branch Address (Hariwatika Chowk): Hariwatika Chowk, WEST CHAMPARAN, 845438, Bihar
• Head Office Address (Bihar Gramin Bank): SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: What do the letters and numbers in PUNB0MBGB06 signify?
A1: “PUNB” indicates Punjab National Bank, the sponsoring bank. The ‘0’ is a control character. “MBGB06” specifically identifies the Hariwatika Chowk branch of Bihar Gramin Bank.

Q2: Can I still use an old IFSC code if my branch was previously part of Uttar Bihar Gramin Bank?
A2: No, you cannot. Following the merger, all old IFSC codes for Uttar Bihar Gramin Bank (and Dakshin Bihar Gramin Bank) have been revoked. You must use the new IFSC code, PUNB0MBGB06, for the Hariwatika Chowk branch of Bihar Gramin Bank to ensure successful transactions.

Q3: Is the IFSC code the same for all branches of Bihar Gramin Bank?
A3: No, the IFSC code is unique for each individual branch. While the first five characters (PUNB0) might be common across many branches of Bihar Gramin Bank due to the sponsoring bank and general structure, the last six characters (e.g., MBGB06) will always differ for each distinct branch.

Q4: What happens if I enter an incorrect IFSC code during a fund transfer?
A4: If you enter an incorrect IFSC code, your fund transfer will likely fail. The banking system uses this code to identify the exact recipient branch. An incorrect code means the system cannot find the destination, and the transaction will not be processed, or it may be returned to your account after some delay.

Q5: Where can I find the correct IFSC code for my bank branch?
A5: You can reliably find the correct IFSC code on your bank’s cheque book, passbook, or account statement. It is also available on your bank’s official website, through their mobile banking app, or by contacting your branch directly.