Bihar Gramin Bank HIRDAY CHAK IFSC Code

Bihar Gramin Bank HIRDAY CHAK IFSC Code

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Hirday Chak is a village branch of Bihar Gramin Bank located in Arwal district, Bihar (Pincode 824127). This IFSC code information is essential for anyone sending or receiving money to this branch. The IFSC code is required for electronic fund transfers — NEFT, RTGS and IMPS — so using the correct code ensures funds reach the right branch quickly and without reversal delays.

Branch Details

Bank Name Bihar Gramin Bank
Branch Name HIRDAY CHAK
IFSC Code PUNB0MBGB06
MICR Code 800811002
Branch Code 6992
Branch Address HIRDAY CHAK, Arwal, 824127, 7070196992
Contact Number 7070196992
City Arwal
District Arwal
Reason AURANGABAD
Pincode 824127
State Bihar

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were reorganized and their operations now fall under Punjab National Bank (PNB) for electronic clearing. Both former UBGB and DBGB branch IFSC codes have been revoked. The single valid IFSC for transactions relating to these regional rural bank branches is PUNB0MBGB06 under Punjab National Bank. Always use PUNB0MBGB06 for NEFT, RTGS or IMPS transfers to this branch. Old UBGB IFSCs will not work and will cause failures or reversals.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems.

  • First 4 characters — identify the bank. Example: PUNB = Punjab National Bank.
  • 5th character — is reserved and is always 0 (zero).
  • Last 6 characters — identify the specific branch. This can be letters or numbers depending on the bank.

Example for this branch: PUNB0MBGB06. Here PUNB is PNB, the fifth is 0, and MBGB06 is the branch identifier mapped to Hirday Chak under the PNB routing system.

Tip: The fifth character is the digit zero, not the letter O. Entering a letter O is a common source of errors.

How to Use IFSC Code (NEFT, RTGS, IMPS)

Follow these steps when sending money online or via bank channels.

  • Collect details: beneficiary name, account number, IFSC code (PUNB0MBGB06 for Hirday Chak), and branch name/address if required.
  • Add beneficiary: Log in to your bank’s netbanking or mobile app. Choose “Add Beneficiary” or “Manage Payee.”
  • Enter information: Fill beneficiary name, account number, and IFSC exactly. Select transfer type (NEFT, RTGS, IMPS) if asked.
  • Verify: Confirm details and authenticate using OTP or bank token. Some banks place a 30-minute to 24-hour activation hold for new beneficiaries; check your bank’s policy.
  • Initiate transfer: Choose the transfer method:
    • IMPS — instant, typically available 24×7 for small and medium amounts.
    • NEFT — used for regular transfers; processed in clearing cycles (banks may now run NEFT round-the-clock, but timing can vary by bank).
    • RTGS — for high-value transfers; processed in real time where supported.
  • Confirm and keep receipt: Note reference number and timestamp. If funds do not arrive, provide this reference to your bank.

Practical checks: Verify the first four letters match the beneficiary bank (PUNB = PNB). If the bank or branch changes names after a merger, use the current IFSC. Charges and daily limits vary by bank and transfer type.

Benefits of Knowing the IFSC

  • Ensures funds are routed to the exact branch and account without delay.
  • Reduces failed transfers and reversals, saving time and fees.
  • Needed to add beneficiaries in netbanking and mobile banking apps.
  • Required for automated clearing, salary credits, and government payments.
  • Helps customer service trace transactions quickly using the IFSC and reference number.

Contact

Branch Phone No: 7070196992

Branch Address: HIRDAY CHAK, Arwal, 824127, 7070196992

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free No: 18001807777

FAQs

  • Q: How do I find the IFSC for Hirday Chak branch?

    A: The IFSC is PUNB0MBGB06. Use this code when adding the beneficiary in your bank’s online portal or filling transfer forms.

  • Q: What happens if I enter a wrong IFSC?

    A: A wrong IFSC can route the transfer to another branch or cause the transaction to fail. If the account number does not match the branch, the transaction is usually returned, but this can take time and may incur bank charges. Always double-check the IFSC before confirming.

  • Q: Is the MICR code the same as IFSC?

    A: No. MICR (800811002 here) is used for cheque processing. IFSC (PUNB0MBGB06) is used for electronic transfers. Both identify banks/branches but serve different systems.

  • Q: Are old UBGB IFSC codes still valid?

    A: No. Old UBGB and DBGB IFSC codes have been revoked after the reorganization. The valid code for these branches is now PUNB0MBGB06 under Punjab National Bank.

  • Q: Can I use IFSC for international transfers?

    A: IFSC is for domestic electronic transfers. For international inward remittances, banks generally use SWIFT/BIC codes and the beneficiary bank will map the foreign transfer to the local account using account number details. Contact your bank for exact instructions.

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