Bihar Gramin Bank Harnatard IFSC Code

The Bihar Gramin Bank branch in Harnatard, located in the West Champaran district of Bihar, plays an essential role for local residents needing banking services. When you need to send or receive money electronically, especially through systems like NEFT, RTGS, or IMPS, knowing the correct Indian Financial System Code (IFSC) for this branch is crucial. This unique code ensures your funds reach the intended recipient’s bank account accurately and without delay.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Harnatard
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100200
Branch Address	Harnatard, WEST CHAMPARAN, 845105, 9297954044
Contact Number	9297954044
City	WEST CHAMPARAN
District	WEST CHAMPARAN
Reason	BETTIAH
Pincode	845105
State	Bihar

Merger Update

Bihar Gramin Bank, which the Harnatard branch is a part of, was formed by the merger of several regional rural banks in Bihar. Specifically, it resulted from the amalgamation of Uttar Bihar Gramin Bank (UBGB), Dakshin Bihar Gramin Bank (DBGB), and Madhya Bihar Gramin Bank (MBGB). Following this significant merger, all branches of these erstwhile banks now operate under the unified structure of Bihar Gramin Bank.

As part of this consolidation, Punjab National Bank (PNB) acts as the sponsoring bank. This means that a single, standardized IFSC code series is now used across all Bihar Gramin Bank branches for electronic fund transfers. The IFSC code PUNB0MBGB06 for the Harnatard branch reflects this new system. It is important to note that any old IFSC codes previously used by UBGB, DBGB, or MBGB branches have been revoked. For any transactions, only the new, unified IFSC codes under Punjab National Bank’s sponsorship, like PUNB0MBGB06, are valid.

What is an IFSC Code?

The IFSC (Indian Financial System Code) is a unique 11-character alphanumeric code. It’s used to identify individual bank branches participating in online money transfer systems like NEFT, RTGS, and IMPS. This code ensures that money sent electronically goes to the correct bank and specific branch.

Let’s break down the IFSC code for Harnatard branch, PUNB0MBGB06:

• The first four characters, PUNB, identify the bank, which is Punjab National Bank (the sponsoring bank for Bihar Gramin Bank).
• The fifth character is always a zero (0). This character is reserved for future use and helps distinguish the bank code from the branch code.
• The last six characters, MBGB06, identify the specific branch. In this case, MBGB06 refers to the Harnatard branch of Bihar Gramin Bank.

How to Use the IFSC Code

You will need the IFSC code whenever you perform an online fund transfer from one bank account to another. Here’s how it generally works for NEFT, RTGS, and IMPS:

1. Log in to your internet banking or mobile banking app: Access your online banking portal provided by your bank.
2. Select “Fund Transfer” or “Payments”: Look for options related to sending money.
3. Add a New Beneficiary: If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary. This usually involves providing their details.
4. Enter Beneficiary Details:
   • Beneficiary’s Name
   • Beneficiary’s Account Number (you will often need to enter it twice to confirm)
   • Beneficiary’s Bank Name (Bihar Gramin Bank)
   • Beneficiary’s IFSC Code: This is where you enter PUNB0MBGB06 for the Harnatard branch.
5. Specify Transfer Type: Choose between NEFT, RTGS, or IMPS, depending on the amount and urgency of the transfer.
6. Enter Amount: Type in the amount you wish to transfer.
7. Confirm and Authorize: Review all details carefully, then proceed to confirm the transaction, usually with an OTP (One-Time Password) or transaction password.

For example, if you are transferring money to an account holder at the Bihar Gramin Bank, Harnatard branch, you would input “Bihar Gramin Bank” as the bank name and PUNB0MBGB06 as the IFSC code, along with the beneficiary’s name and account number.

Benefits of Knowing the IFSC Code

Knowing the correct IFSC code for your bank branch, or for the branch you are sending money to, offers several key advantages:

• Accurate Transfers: It ensures your money reaches the precise bank and branch you intend, minimizing the risk of funds going to a wrong account.
• Faster Processing: The code streamlines the electronic transfer process, allowing for quicker credit to the recipient’s account.
• Security: It adds an extra layer of verification, making online transactions more secure.
• Essential for Digital Transactions: It is mandatory for all major online payment systems in India, including NEFT, RTGS, and IMPS.
• Easy Identification: Helps quickly identify any bank branch across India for financial operations.

Contact Information

Should you need to contact the Bihar Gramin Bank Harnatard branch or its head office, here are the details:

• Branch Phone Number: 9297954044
• Branch Address: Harnatard, WEST CHAMPARAN, 845105, 9297954044
• Head Office Address (Bihar Gramin Bank): SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: What is the full bank name associated with the IFSC code PUNB0MBGB06?
A1: The full bank name is Bihar Gramin Bank. The “PUNB” prefix indicates that Punjab National Bank is its sponsoring bank.

Q2: Is the old IFSC code for Harnatard branch still valid after the merger?
A2: No, any old IFSC codes previously assigned to branches that are now part of Bihar Gramin Bank, including Harnatard, are no longer valid. You must use the new code, PUNB0MBGB06, for all electronic transactions.

Q3: Can I use this IFSC code for both NEFT and RTGS transfers?
A3: Yes, the IFSC code PUNB0MBGB06 is valid for all electronic fund transfer systems, including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service).

Q4: What happens if I accidentally enter a wrong IFSC code during a transaction?
A4: If you enter an incorrect IFSC code, the transaction will most likely fail. Your bank’s system will usually flag the code as invalid or not matching the beneficiary’s bank and account number. The funds will not be debited from your account or will be returned to you if they were debited temporarily.

Q5: How can I find the IFSC code for other Bihar Gramin Bank branches?
A5: You can find IFSC codes for other branches through several reliable sources: the bank’s official website, your passbook or chequebook, or reputable third-party financial websites that list bank branch details. Always double-check the code before initiating a transfer.