Bihar Gramin Bank Harpur Boachaha IFSC Code

If you’re looking to send or receive money from the Bihar Gramin Bank’s Harpur Boachaha branch in Samastipur, Bihar, understanding its IFSC (Indian Financial System Code) is key. This unique code acts like a digital address, ensuring your fund transfers through systems like NEFT, RTGS, and IMPS reach the correct bank and branch without any issues. It’s essential for safe and accurate online banking transactions.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Harpur Boachaha
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3992
Branch Address	Harpur Boachaha, Samastipur, 848503, 9523098567
Contact Number	9523098567
City	Samastipur
District	Samastipur
Reason	SAMASTIPUR
Pincode	848503
State	Bihar

Merger Update

Bihar Gramin Bank itself was formed from the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both these banks merged to become Bihar Gramin Bank. Following this, Punjab National Bank became the sponsor bank. As a result, all branches, including Harpur Boachaha, now operate under a unified IFSC code structure with ‘PUNB0’ as the prefix, reflecting Punjab National Bank’s sponsorship. The specific IFSC code for Harpur Boachaha is PUNB0MBGB06. It’s important to know that any old IFSC codes previously used by Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches are no longer valid for transactions. You must use the new, unified PUNB0MBGB06 code for all your financial transfers to this branch. This ensures your money reaches its intended destination without delays or errors.

What is IFSC Code?

An IFSC code is an 11-character alphanumeric code. It uniquely identifies every bank branch participating in online fund transfers within India. The code is structured in a clear way:

• The first four characters represent the bank itself. For Bihar Gramin Bank, sponsored by Punjab National Bank, these characters are ‘PUNB’.
• The fifth character is always a ‘zero’ (0). This character is reserved for future use and acts as a control digit.
• The last six characters identify the specific branch. For the Harpur Boachaha branch, these are ‘MBGB06’.

This unique combination ensures that when you initiate a transaction, the funds are routed precisely to the correct bank and the correct branch, avoiding any misdirection.

How to Use IFSC Code

Using an IFSC code for online fund transfers is a straightforward process. Here are the steps for common transfer methods:

For NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement)

1. Log In: Access your bank’s internet banking portal or mobile banking app.
2. Add Beneficiary: Go to the ‘Manage Beneficiary’ or ‘Add Payee’ section.
3. Enter Details: Provide the beneficiary’s name, their account number, account type (e.g., Savings, Current), and the IFSC code (PUNB0MBGB06 for Harpur Boachaha branch).
4. Confirm: Verify the details and confirm. Your bank might send an OTP (One-Time Password) to your registered mobile number for authentication.
5. Initiate Transfer: Once the beneficiary is added, you can select them and enter the amount you wish to transfer.

For IMPS (Immediate Payment Service)

1. Log In: Open your mobile banking app.
2. Select IMPS: Choose the IMPS option.
3. Choose Method: You can often choose to transfer using Account Number + IFSC, or Mobile Number + MMID. For the IFSC method, select ‘Account Number + IFSC’.
4. Enter Details: Input the beneficiary’s account number and the IFSC code (PUNB0MBGB06).
5. Enter Amount: Specify the amount you want to send.
6. Confirm: Review the details and authorize the transaction, usually with a PIN or OTP.

Always double-check the IFSC code and account number before confirming any transaction to prevent errors.

Benefits

Knowing the correct IFSC code for Bihar Gramin Bank Harpur Boachaha provides several benefits:

• Accuracy in Transfers: It ensures that your money goes to the exact bank branch intended, reducing the risk of errors or lost funds.
• Faster Processing: For NEFT, RTGS, and IMPS, the IFSC code is crucial for quick and efficient routing of funds, leading to faster transaction completion.
• Security: By precisely identifying the branch, the IFSC code adds a layer of security to your online transactions, helping to prevent fraudulent diversions.
• Convenience: It enables you to perform transactions from anywhere, at any time, without needing to visit the physical bank branch.
• Tracking: In case of any issue, the unique code helps in tracking the transaction more effectively.

Contact Section

If you need to contact the Bihar Gramin Bank Harpur Boachaha branch or its head office, here are the details:

• Branch Phone Number: 9523098567
• Branch Address: Harpur Boachaha, Samastipur, 848503, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Q1: What is the IFSC code for Bihar Gramin Bank Harpur Boachaha?

The IFSC code for Bihar Gramin Bank Harpur Boachaha branch is PUNB0MBGB06.

Q2: Why did the IFSC code change for Bihar Gramin Bank branches?

Bihar Gramin Bank was formed from the merger of Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank. Following this merger, Punjab National Bank became the sponsor bank, leading to a unified IFSC code structure for all its branches, including the ‘PUNB0’ prefix.

Q3: Can I use an old UBGB or DBGB IFSC code for a transaction to this branch?

No, old IFSC codes from Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) are no longer valid. You must use the new unified IFSC code, PUNB0MBGB06, for all transactions to the Harpur Boachaha branch.

Q4: Is the MICR code also important for online transactions?

While the IFSC code is essential for NEFT, RTGS, and IMPS, the MICR (Magnetic Ink Character Recognition) code is primarily used for clearing physical cheques. It helps in the fast processing of cheques by identifying the bank and branch. For online transfers, the IFSC code is the primary identifier.

Q5: How do I find an IFSC code if I don’t have it?

You can find the IFSC code on your bank’s cheque book, passbook, or account statement. Most bank websites also provide an IFSC lookup tool. Additionally, you can use reliable third-party financial portals or contact the bank’s customer service for assistance.