Bihar Gramin Bank Lachhnauta IFSC Code

This article discusses the IFSC Code for the Bihar Gramin Bank branch located in Lachhnauta, a key area within the West Champaran District of Bihar. Knowing the Indian Financial System Code (IFSC) is essential for any digital fund transfers. This unique 11-character code ensures that your money, whether sent through NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service), reaches the correct bank and branch without error. It acts as a digital address for the specific branch involved in the transaction.

Branch Information for Bihar Gramin Bank, Lachhnauta

Here are the detailed particulars for the Bihar Gramin Bank branch in Lachhnauta:

Bank Name	Bihar Gramin Bank
Branch Name	Lachhnauta
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100264
Branch Address	Lachhnauta, WEST CHAMPARAN, 845449
Contact Number	9297954055
City	WEST CHAMPARAN
District	WEST CHAMPARAN
Reason	BETTIAH
Pincode	845449
State	Bihar

Important Merger Update for Bihar Gramin Bank

Bihar Gramin Bank was formed from the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both of these entities have now merged under a single unified structure. As a result, all branches, including Lachhnauta, now operate under one consolidated IFSC. This code, PUNB0MBGB06, is sponsored by Punjab National Bank.

It is crucial to understand that any old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank have been revoked. For any future financial transactions involving Bihar Gramin Bank, only the new IFSC code, PUNB0MBGB06, is valid. Using outdated codes will lead to transaction failures.

Understanding Your IFSC Code

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code that uniquely identifies every bank branch participating in online money transfers. Let’s break down the structure of PUNB0MBGB06:

• The first four characters, PUNB, represent the bank name, which is Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
• The fifth character is always a zero (0). This character is reserved for future use.
• The last six characters, MBGB06, identify the specific branch. In this case, it points to the Lachhnauta branch of Bihar Gramin Bank.

This standardized format helps in accurately routing funds to the correct destination bank and branch within India’s vast banking network.

How to Use the IFSC Code for Transfers

Using the IFSC code is a straightforward process when you are initiating an online money transfer. Here’s how it generally works for NEFT, RTGS, and IMPS:

1. Log In: Access your bank’s net banking portal or mobile banking application.
2. Select Transfer Type: Choose the type of transfer you wish to make, such as NEFT, RTGS, or IMPS.
3. Add Beneficiary: If you are sending money to this account for the first time, you will need to add the beneficiary (the person receiving the money). You will typically need the following details:
   • Beneficiary’s Account Number
   • Beneficiary’s Name
   • Beneficiary’s Bank Name (Bihar Gramin Bank)
   • Beneficiary’s Bank Branch (Lachhnauta)
   • The correct IFSC Code: PUNB0MBGB06
4. Verify Details: Double-check all entered information, especially the account number and IFSC code, to prevent errors.
5. Enter Amount: Specify the amount of money you wish to transfer.
6. Confirm Transaction: Authorize the transaction, usually with an OTP (One Time Password) or transaction password.

For recurring transfers, once the beneficiary is added, you will only need to select their name and enter the amount.

Why Knowing Your IFSC Code is Useful

Having the correct IFSC code provides several benefits for financial transactions:

• It ensures that online money transfers via NEFT, RTGS, and IMPS are routed to the specific, correct bank branch.
• It is a mandatory requirement for initiating any inter-bank electronic fund transfers within India.
• Using the correct IFSC code helps in preventing errors and delays in fund processing, ensuring your money reaches its destination securely and on time.
• It provides a unique identifier for bank branches, enhancing the accuracy and reliability of the banking system.
• It simplifies the process of sending and receiving money across different banks, making transactions more efficient.

Contact Information

For direct inquiries or assistance related to the Lachhnauta branch or Bihar Gramin Bank, you can use the following contact details:

Branch Phone Number: 9297954055

Branch Address: Lachhnauta, WEST CHAMPARAN, 845449

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 the Bihar Gramin Bank Lachhnauta IFSC code and related transactions:

Q1: Is PUNB0MBGB06 the only valid IFSC for Bihar Gramin Bank, Lachhnauta?
A1: Yes, due to the merger of Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank, PUNB0MBGB06 is the unified and only valid IFSC code for all Bihar Gramin Bank branches, including Lachhnauta.

Q2: What is the MICR Code for the Bihar Gramin Bank Lachhnauta branch?
A2: The MICR (Magnetic Ink Character Recognition) Code for the Lachhnauta branch is 800811002. This code is primarily used for clearing paper-based instruments like cheques.

Q3: Can I still use an old IFSC code from Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank for a transaction?
A3: No, old IFSC codes from Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are no longer valid. All transactions must use the new, unified IFSC code PUNB0MBGB06 to be processed successfully.

Q4: What information do I need to make a successful online money transfer using an IFSC code?
A4: Besides the correct IFSC code (PUNB0MBGB06), you will need the beneficiary’s full name, their bank account number, and the name of the bank (Bihar Gramin Bank).

Q5: Is Bihar Gramin Bank associated with Punjab National Bank?
A5: Yes, Bihar Gramin Bank is a Regional Rural Bank (RRB) sponsored by Punjab National Bank. This means PNB provides managerial and financial support to Bihar Gramin Bank, and its IFSC code reflects PNB as the sponsoring institution.