The MAUDIHA branch of Bihar Gramin Bank serves the community in Rohtas, Bihar. When you need to send or receive money electronically, understanding banking codes is very important. The IFSC (Indian Financial System Code) is a unique 11-character code that helps identify bank branches for secure and fast fund transfers. This code is essential for various digital transactions, including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service), ensuring your money reaches the correct recipient without delays or errors.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | MAUDIHA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6883 |
| Branch Address | MAUDIHA, Rohtas, 821306, 9523596883 |
| Contact Number | 9523596883 |
| City | Rohtas |
| District | Rohtas |
| Region | SASARAM |
| Pincode | 821306 |
| State | Bihar |
Merger Update
Previously, banking in Bihar involved both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). However, these two banks have now merged to form a single entity known as Bihar Gramin Bank. This new bank operates under the sponsorship of Punjab National Bank (PNB). As a result of this merger, all branches of the former UBGB and DBGB now use a unified series of IFSC codes. Specifically, for Bihar Gramin Bank, including its MAUDIHA branch, the valid IFSC code for all transactions is PUNB0MBGB06.
It is crucial to understand that any old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches are now revoked and no longer valid. For any fund transfer or banking operation, you must use only the new, standardized IFSC code, PUNB0MBGB06, to ensure your transactions are processed correctly and without issues.
What is IFSC Code?
The IFSC Code, or Indian Financial System Code, is an 11-character alphanumeric code. It uniquely identifies every bank branch in India participating in electronic funds transfer systems. This code acts like a postal code for digital money transfers, ensuring funds go to the exact branch intended.
The 11 characters are structured in a specific way:
- The first four characters identify the bank. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, which sponsors Bihar Gramin Bank.
- The fifth character is always a ‘0’ (zero). This character is reserved for future use and helps maintain consistency across all IFSC codes.
- The last six characters identify the specific branch. In our example, “MBGB06” points directly to the MAUDIHA branch of Bihar Gramin Bank.
This systematic structure helps computer systems quickly route transactions to the correct bank and branch.
How to Use IFSC Code
Using the IFSC code is a straightforward process when you are making online fund transfers. Here’s how it generally works for NEFT, RTGS, and IMPS:
- Log in to Your Net Banking or Mobile Banking App: Access your online banking portal or mobile application using your credentials.
- Select Fund Transfer Option: Look for options like “Fund Transfer,” “NEFT,” “RTGS,” or “IMPS” within your bank’s interface.
- Add Beneficiary Details: If you are sending money to someone for the first time, you will need to add them as a beneficiary. This involves providing their details.
- Enter Beneficiary Bank Information: You will be prompted to enter the beneficiary’s bank name (Bihar Gramin Bank), their account number, and most importantly, the IFSC code of their branch (PUNB0MBGB06 for MAUDIHA).
- Confirm Details and Amount: Double-check all the entered information, especially the account number and IFSC code, to prevent errors. Then, enter the amount you wish to transfer.
- Authorize Transaction: Complete the transfer by entering your transaction password or OTP (One-Time Password), depending on your bank’s security protocols.
For NEFT and RTGS, transfers are typically processed in batches or at specific intervals, while IMPS offers instant transfers 24/7.
Benefits
Knowing the correct IFSC code for your bank branch offers several important benefits:
- Error-Free Transfers: It ensures your money reaches the exact bank branch and account you intend, minimizing the risk of funds going to the wrong place.
- Faster Processing: The unique identification helps banks process electronic fund transfers (NEFT, RTGS, IMPS) quickly and efficiently.
- Secure Transactions: It adds a layer of security by verifying the destination bank branch, protecting against fraudulent transfers.
- Convenient Online Banking: Facilitates seamless online and mobile banking transactions, making it easy to send and receive money from anywhere.
- Branch Identification: Helps in quickly identifying the specific branch for various banking services, not just fund transfers.
Contact
If you need to get in touch with the MAUDIHA branch or the bank’s head office, here are the details:
- MAUDIHA Branch Phone Number: 9523596883
- MAUDIHA Branch Address: MAUDIHA, Rohtas, 821306, Bihar
- Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Bihar Gramin Bank Toll-Free Number: 18001807777
FAQs
Q1: Is the MAUDIHA branch of Bihar Gramin Bank still operational?
Yes, the MAUDIHA branch of Bihar Gramin Bank is fully operational and continues to serve its customers with banking services. The branch is part of the merged entity, Bihar Gramin Bank.
Q2: Why did the IFSC code change for Bihar Gramin Bank branches?
The IFSC codes changed due to the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) into a single entity, Bihar Gramin Bank. This merger led to the standardization of IFSC codes under the sponsorship of Punjab National Bank (PNB). The new code, PUNB0MBGB06, is now uniformly used.
Q3: What should I do if I used an old IFSC code for a transaction?
If you used an old IFSC code, the transaction is likely to fail and be returned to your account. This is because old codes are revoked and no longer valid. Always ensure you use the current valid IFSC code, PUNB0MBGB06, for MAUDIHA branch transactions to avoid delays or failures.
Q4: Can I find the IFSC code on my passbook?
Yes, the IFSC code for your branch is typically printed on the first page of your bank passbook. You can also find it on cheque leaves or by visiting the bank’s official website.
Q5: Is the IFSC code the same as the MICR code?
No, the IFSC code and MICR code are different. The IFSC code (e.g., PUNB0MBGB06) is used for electronic fund transfers across different banks. The MICR code (Magnetic Ink Character Recognition, e.g., 800811002) is a 9-digit code primarily used for processing cheques and clearing purposes. Both codes are important for banking operations but serve different functions.
Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.