The Harkhi Pipra branch of Bihar Gramin Bank is located in the Bhojpur district of Bihar. For anyone needing to send money to an account at this branch, the Indian Financial System Code (IFSC) is essential. This unique 11-character code ensures that your funds are routed correctly and securely during online transactions. Whether you are using National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS), the right IFSC code directs the payment to the exact bank branch, preventing errors and delays.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | HARKHI PIPRA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6924 |
| Branch Address | HARKHI PIPRA, Bhojpur, 802165, 7091596924 |
| Contact Number | 7091596924 |
| City | Bhojpur |
| District | Bhojpur |
| Region | ARA |
| Pincode | 802165 |
| State | Bihar |
Important Merger Update
Previously, Bihar had two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have since been merged into a single entity, now known as Bihar Gramin Bank. This new bank is sponsored by Punjab National Bank (PNB).
As a result of this merger, all old IFSC codes belonging to UBGB and DBGB have been revoked and are no longer valid. For all transactions to the Harkhi Pipra branch, you must use the new IFSC code, PUNB0MBGB06. Using an old code will result in a failed transaction.
What is an IFSC Code?
An IFSC code is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify a specific bank branch within the electronic fund transfer network. The code has a specific structure that helps route transactions accurately.
Let’s break down the IFSC code for the Harkhi Pipra branch, PUNB0MBGB06:
- PUNB: The first four characters represent the bank. In this case, ‘PUNB’ signifies Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
- 0: The fifth character is always a zero. It is reserved for future regulatory use.
- MBGB06: The last six characters are unique to the specific branch. This part of the code identifies the Harkhi Pipra branch.
How to Use the IFSC Code for Fund Transfers
Using the IFSC code for online banking is a straightforward process. When you add a new payee or beneficiary to send money via NEFT, RTGS, or IMPS, you will be asked for the following details:
- Log in to your internet banking portal or mobile banking app.
- Navigate to the ‘Fund Transfer’ or ‘Payments’ section.
- Select ‘Add Beneficiary’ or ‘Add Payee’.
- Enter the beneficiary’s name, bank account number, and account type (e.g., Savings or Current).
- In the IFSC code field, carefully enter PUNB0MBGB06.
- After verifying the details, confirm the beneficiary. You can now transfer funds to this account.
Benefits of Using the Correct IFSC Code
- Transaction Accuracy: It ensures that your money is sent to the exact intended bank branch and account, eliminating routing errors.
- Faster Processing: Correct IFSC codes enable automated systems to process NEFT, RTGS, and IMPS transactions quickly without manual intervention.
- Prevents Failed Transfers: Using the right code prevents transaction failures, which can cause delays and require you to re-initiate the payment.
- Enhanced Security: The code is a key part of the security framework for electronic fund transfers in India, helping to prevent fraudulent transactions.
Contact Information
For any queries, you can contact the branch directly or reach out to the head office.
- Branch Contact Number: 7091596924
- Branch Address: HARKHI PIPRA, Bhojpur, Bihar – 802165
- Head Office Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
- Toll-Free Number: 18001807777
Frequently Asked Questions
1. Can I still use my old Dakshin Bihar Gramin Bank (DBGB) IFSC code for a transfer?
No. All IFSC codes from the former DBGB and UBGB are now invalid. You must use the new IFSC code, which starts with ‘PUNB’, to ensure your transaction is successful.
2. What happens if I accidentally enter the wrong IFSC code?
If the IFSC code you entered does not exist, the transaction will be rejected and the money will be credited back to your account. However, if the incorrect IFSC code corresponds to another branch and the account number also matches, the funds might be credited to the wrong account, which can be difficult to reverse.
3. Is the IFSC code the same for all branches of Bihar Gramin Bank?
No. While the first four letters (‘PUNB’) are common for Bihar Gramin Bank due to its sponsorship by PNB, the last six characters are unique to each branch. Always use the specific code for the branch you are sending money to.
4. Do I need an IFSC code for UPI transactions?
No, you do not need an IFSC code for standard UPI payments made to a VPA (e.g., yourname@okhdfcbank). However, if you add a bank account to your UPI app using the account number, the app will require the IFSC code to link the account correctly.
5. Where can I find the IFSC code for my branch?
The IFSC code is printed on your bank-issued chequebook and on the first page of your passbook. You can also find it on the bank’s official website or by contacting the branch directly.
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.