Bihar Gramin Bank KHAROJ(SURYAPURA) IFSC Code

In the heart of Bihar, the village of KHAROJ(SURYAPURA) in Rohtas district relies on its local Bihar Gramin Bank branch for essential banking services. For anyone looking to send or receive money to or from this branch electronically, understanding the IFSC code is crucial. This unique code acts like a digital address, ensuring that funds transferred through systems like NEFT, RTGS, and IMPS reach the correct bank and branch without error, making financial transactions smooth and secure.

Bihar Gramin Bank KHAROJ(SURYAPURA) Branch Details

Here are the detailed banking particulars for the Bihar Gramin Bank branch located in KHAROJ(SURYAPURA):

Bank Name	Bihar Gramin Bank
Branch Name	KHAROJ(SURYAPURA)
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7506
Branch Address	KHAROJ(SURYAPURA), Rohtas, 802211, 7541807506
Contact Number	7541807506
City	Rohtas
District	Rohtas
Reason	SASARAM
Pincode	802211
State	Bihar

Merger Update for Bihar Gramin Bank

Bihar Gramin Bank was formed through the merger of two prominent regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this merger, all branches, including KHAROJ(SURYAPURA), now operate under the unified identity of Bihar Gramin Bank. Importantly, a new, single IFSC code has been implemented for all its operations: PUNB0MBGB06.

This means that any old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches are no longer valid for transactions. To ensure successful fund transfers, it is critical to use only the new, updated IFSC code, PUNB0MBGB06, for all electronic transactions with Bihar Gramin Bank branches.

What is an IFSC Code?

An IFSC, or Indian Financial System Code, is an 11-character alphanumeric code that uniquely identifies every bank branch participating in online money transfers. It’s designed by the Reserve Bank of India (RBI) to facilitate electronic fund transfers accurately.

The structure of an IFSC code is as follows:

• The first four characters represent the bank’s name. For Bihar Gramin Bank, this is “PUNB” because it operates under the sponsorship of Punjab National Bank.
• 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 KHAROJ(SURYAPURA) branch, these are “MBGB06”.

So, for KHAROJ(SURYAPURA) branch, PUNB0MBGB06 breaks down as: PUNB (Bank Code) + 0 (Reserved) + MBGB06 (Branch Code).

How to Use an IFSC Code

Using the IFSC code is a straightforward process when initiating online fund transfers. Here’s how it works for common electronic payment systems:

• For NEFT (National Electronic Funds Transfer): When you want to send money via NEFT, you will need the beneficiary’s name, account number, account type, and the correct IFSC code of their bank branch. You enter these details into your bank’s online banking portal or mobile app. The NEFT system processes transactions in batches throughout the day.
• For RTGS (Real Time Gross Settlement): RTGS is used for high-value transactions, typically above Rs. 2 lakh. Like NEFT, it requires the beneficiary’s name, account number, account type, and IFSC code. The key difference is that RTGS transactions are processed individually and immediately, making them suitable for urgent, large transfers.
• For IMPS (Immediate Payment Service): IMPS allows instant, 24/7 fund transfers, even on holidays. You can use a beneficiary’s mobile number and MMID (Mobile Money Identifier) or their bank account number and IFSC code. IMPS is ideal for quick, smaller transfers.

In all these methods, providing the accurate IFSC code is vital. An incorrect IFSC code will usually lead to the transaction being rejected or delayed, and in some rare cases, funds might even be credited to the wrong account if the account number is also similar to another account at a different branch.

Benefits of Knowing Your IFSC Code

Having easy access to your branch’s IFSC code offers several advantages for modern banking:

• Enables Digital Transfers: It’s the primary key for initiating online NEFT, RTGS, and IMPS transactions, allowing you to send or receive money electronically.
• Ensures Accuracy: The unique 11-character code helps ensure that funds are directed to the precise bank and branch, minimizing errors.
• Faster Transactions: Correct IFSC codes help accelerate the processing of electronic payments, leading to quicker money transfers.
• Convenience: You can bank from anywhere without needing to visit a physical branch for basic money transfer needs.
• Safe and Secure: Digital transfers using IFSC are highly secure, reducing the risks associated with carrying or sending physical cash.
• Mandatory Requirement: Most online banking platforms and mobile payment apps require the IFSC code to complete any interbank transfer.

Contact Information

For any queries or assistance related to the Bihar Gramin Bank KHAROJ(SURYAPURA) branch or Bihar Gramin Bank in general, you can use the following contact details:

• Branch Phone Number: 7541807506
• Branch Address: KHAROJ(SURYAPURA), Rohtas, 802211, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

Here are some common questions about IFSC codes and Bihar Gramin Bank:

Q1: Is the old IFSC code for Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank still valid for KHAROJ(SURYAPURA) branch?
A1: No. 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 unified IFSC code, PUNB0MBGB06, for all transactions with the KHAROJ(SURYAPURA) branch.

Q2: What should I do if my transaction fails due to an incorrect IFSC code?
A2: If a transaction fails because of an incorrect IFSC code, the funds are usually reverted to your account within a few hours or one to two business days. Always double-check the IFSC code before initiating any transfer. Contact your bank’s customer service if the funds are not returned promptly.

Q3: Can I find the IFSC code for other Bihar Gramin Bank branches online?
A3: Yes, you can typically find the IFSC code for any Bihar Gramin Bank branch through the official Bihar Gramin Bank website, the Punjab National Bank website (as it’s the sponsor bank), or reliable third-party banking information portals. Always cross-verify the code with the bank’s official sources if possible.

Q4: What is the difference between an IFSC code and a MICR code?
A4: An IFSC code is an 11-character alphanumeric code used for electronic fund transfers like NEFT, RTGS, and IMPS. A MICR (Magnetic Ink Character Recognition) code is a 9-digit numerical code printed on cheque leaves, typically at the bottom. It is primarily used for processing physical cheques efficiently.

Q5: Is it safe to share my IFSC code with someone who wants to send me money?
A5: Yes, it is generally safe to share your bank’s IFSC code with someone who needs to send money to your account. The IFSC code only helps identify your bank and branch. They will also need your account number and account holder’s name to complete the transaction.