Bihar Gramin Bank Main Branch /Laheriasarai IFSC Code

In the vibrant city of Darbhanga, located in the state of Bihar, you’ll find the Main Branch of Bihar Gramin Bank in Laheriasarai. When you need to send or receive money electronically, especially through systems like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service), a specific code becomes crucial: the IFSC code. This unique identifier ensures your money reaches the correct bank and branch without errors, acting like a digital address for financial transactions. Understanding and using the correct IFSC code is essential for smooth and secure fund transfers.

Bihar Gramin Bank, Main Branch / Laheriasarai Details

Here are the key details for the Bihar Gramin Bank, Main Branch / Laheriasarai:

Bank Name	Bihar Gramin Bank
Branch Name	Main Branch / Laheriasarai
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100490
Branch Address	Main Branch / Laheriasarai, DARBHANGA, 846001, 9297955118
Contact Number	9297955118
City	DARBHANGA
District	DARBHANGA
Pincode	846001
State	Bihar

Merger Update for Bihar Gramin Bank

Bihar Gramin Bank was formed as a result of a significant merger. Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have now merged to form a single entity, Bihar Gramin Bank. As part of this consolidation, the bank now operates under the sponsorship of Punjab National Bank (PNB). This means that all branches, including the Main Branch / Laheriasarai, use a unified IFSC code structure beginning with “PUNB”.

For any transactions involving Bihar Gramin Bank, including the Main Branch / Laheriasarai, the only valid IFSC code to use is PUNB0MBGB06. It is crucial to remember that any old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches are now revoked and will not work for transactions. Always use the new and active code to avoid any transfer failures or delays.

What is an IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify all bank branches across India participating in online fund transfers. It’s unique to each branch, ensuring that your money goes exactly where you intend it to go.

Let’s break down the IFSC code PUNB0MBGB06:

• The first four characters, PUNB, represent the sponsor bank, which in this case is Punjab National Bank.
• The fifth character is always 0 (zero). This character is reserved for future use and acts as a control digit.
• The last six characters, MBGB06, specifically identify the individual branch. For this particular code, “MBGB” refers to the Main Branch of Bihar Gramin Bank, and “06” is a unique identifier for the Laheriasarai branch within that structure.

This systematic structure helps in accurately routing funds through the interbank payment system.

How to Use an IFSC Code

You will need the IFSC code whenever you perform an online fund transfer. Here’s how you typically use it for NEFT, RTGS, or IMPS:

1. Log in to Net Banking or Mobile Banking: Access your bank’s online platform using your credentials.
2. Select Funds Transfer: Choose the option for transferring funds. This might be labeled “NEFT,” “RTGS,” “IMPS,” or simply “Transfer Funds.”
3. Add Beneficiary: If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary. Provide the recipient’s name, their account number, the bank name (Bihar Gramin Bank), and the correct IFSC code (PUNB0MBGB06).
4. Verify Details: Double-check all the information you’ve entered, especially the account number and IFSC code, to prevent errors.
5. Enter Amount and Confirm: Specify the amount you wish to transfer and confirm the transaction. You might receive an OTP (One-Time Password) to complete the process.

For recurring transfers to an existing beneficiary, you will simply select their name, enter the amount, and proceed, as their bank and IFSC details are already saved.

Benefits of Knowing the IFSC Code

Knowing the correct IFSC code for a bank branch offers several key advantages:

• Accurate Fund Transfers: It ensures your money reaches the intended beneficiary’s account in the correct bank and branch, minimizing the risk of misdirected funds.
• Faster Processing: Correct IFSC codes help banks process NEFT, RTGS, and IMPS transactions quickly and efficiently.
• Unique Branch Identification: Each branch has a distinct IFSC, eliminating confusion even if multiple branches share similar names or are in the same city.
• Prevents Errors: Using the right code helps avoid transaction failures, which can cause delays and inconvenience.
• Essential for Online Transactions: It is a mandatory detail for all major electronic fund transfer methods, making online banking seamless.

Contact Information

For any queries or assistance related to the Bihar Gramin Bank, Main Branch / Laheriasarai, or the bank in general, you can use the following contact details:

• Branch Phone Number: 9297955118
• Branch Address: Main Branch / Laheriasarai, DARBHANGA, 846001, Bihar
• Head Office Address (Bihar Gramin Bank): SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Punjab National Bank – Sponsor Bank): 18001807777

Frequently Asked Questions (FAQs)

What is the IFSC code for Bihar Gramin Bank, Main Branch / Laheriasarai?

The IFSC code for this specific branch is PUNB0MBGB06. Always use this code for any online fund transfers.

Why does the IFSC code for Bihar Gramin Bank start with “PUNB”?

Bihar Gramin Bank was formed from the merger of Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank. It is now sponsored by Punjab National Bank (PNB), which is why its IFSC codes begin with “PUNB” to reflect this association.

Can I still use the old IFSC codes for Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB)?

No, all old IFSC codes belonging to UBGB and DBGB have been revoked. You must use the new and unified IFSC code, such as PUNB0MBGB06 for the Laheriasarai branch, for all your transactions with Bihar Gramin Bank.

What happens if I use an incorrect IFSC code during a transaction?

If you enter an incorrect IFSC code, your transaction will likely fail and the funds will not be transferred. In some cases, if the incorrect code belongs to another active branch, your funds could be sent to the wrong account, leading to complications and delays in recovery. Always verify the code carefully.

Is the IFSC code required for all types of bank transactions?

The IFSC code is specifically required for interbank electronic fund transfers, such as NEFT, RTGS, and IMPS. You typically do not need it for cash deposits, withdrawals, or transfers between accounts within the same branch.