Bihar Gramin Bank Mehsi IFSC Code

When you need to send money to or from the Bihar Gramin Bank branch in Mehsi, located in the East Champaran district of Bihar, understanding the Indian Financial System Code (IFSC) is key. This unique code is essential for all electronic fund transfers, including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). It ensures your money goes to the correct bank and branch without any issues.

Branch Details

Here are the specific details for the Bihar Gramin Bank, Mehsi branch:

Bank Name	Bihar Gramin Bank
Branch Name	Mehsi
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100188
Branch Address	Mehsi, EAST CHAMPARAN, 845426
Contact Number	9297954667
City	EAST CHAMPARAN
District	EAST CHAMPARAN
Reason	MOTIHARI
Pincode	845426
State	Bihar

Merger Update

Bihar Gramin Bank was formed through the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this merger, and its sponsorship by Punjab National Bank, a unified IFSC code system was put in place. This means that all branches, including Mehsi, now operate under a single, standardized IFSC code. Specifically, the IFSC code for this branch is PUNB0MBGB06.

It is important to note that any old IFSC codes previously associated with UBGB or DBGB are no longer valid for transactions. To ensure your fund transfers are successful, always use the new, consolidated IFSC code, PUNB0MBGB06, for all transactions related to Bihar Gramin Bank branches.

What is an IFSC Code?

An IFSC code is an 11-character alphanumeric code used to identify bank branches participating in electronic fund transfers within India. It is unique to each branch. Understanding its structure can help you verify its correctness:

• The first four characters represent the bank name. For Bihar Gramin Bank, sponsored by Punjab National Bank, these characters are “PUNB”.
• The fifth character is always a zero (‘0’). This character is reserved for future use.
• The last six characters identify the specific branch. For the Mehsi branch, these are “MBGB06”.

So, for Bihar Gramin Bank, Mehsi branch, the full IFSC code is PUNB0MBGB06. This code acts like a digital address, guiding your money to the right destination.

How to Use the IFSC Code

Using the IFSC code is a straightforward process when you are making digital payments. Here are the general steps:

1. Log in to Your Banking App or Website: Access your net banking or mobile banking application.
2. Select Fund Transfer Option: Choose options like NEFT, RTGS, or IMPS, depending on the urgency and amount of the transfer.
3. Add Beneficiary Details: If you are sending money to someone for the first time, you will need to add them as a beneficiary.
4. Enter Beneficiary Bank Details: This is where the IFSC code comes in. You will need to accurately enter the beneficiary’s bank account number, their name, and the correct IFSC code (PUNB0MBGB06 for Bihar Gramin Bank, Mehsi).
5. Confirm and Transact: Double-check all the details, especially the account number and IFSC code, before confirming the transaction. An incorrect IFSC code could lead to delays or the transfer being sent to the wrong account.

Always make sure you have the correct IFSC code from a reliable source, such as the bank’s official website, your passbook, or the bank statement.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch, or for the recipient’s branch, offers several advantages:

• It enables secure and efficient electronic fund transfers like NEFT, RTGS, and IMPS.
• It ensures that your money reaches the exact intended bank branch, minimizing errors.
• It speeds up the processing of digital transactions, making them nearly instantaneous in some cases (like IMPS).
• It is a mandatory requirement for online banking activities involving inter-bank transfers.
• It provides a standardized way to identify bank branches across different banks.

Contact Information

Should you need to get in touch with the bank, here are the contact details:

• Branch Phone Number (Mehsi Branch): 9297954667
• Branch Address (Mehsi Branch): Mehsi, EAST CHAMPARAN, 845426
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Bihar Gramin Bank): 18001807777

Frequently Asked Questions (FAQs)

Q1: What is the IFSC code for Bihar Gramin Bank, Mehsi branch?
A1: The IFSC code for Bihar Gramin Bank, Mehsi branch is PUNB0MBGB06.

Q2: Is the IFSC code the same for all branches of Bihar Gramin Bank?
A2: No, the first five characters (PUNB0) are common for Bihar Gramin Bank, but the last six characters are unique to each specific branch. So, while PUNB0 identifies the bank, “MBGB06” identifies the Mehsi branch.

Q3: What if I use an old IFSC code from Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB)?
A3: If you use an old IFSC code from UBGB or DBGB, your transaction will likely fail. It is crucial to use the current, consolidated IFSC code (PUNB0MBGB06 for Mehsi branch) for all transfers to Bihar Gramin Bank.

Q4: How can I find the correct IFSC code for a Bihar Gramin Bank branch?
A4: You can find the correct IFSC code on your bank passbook, bank statement, the bank’s official website, or by contacting the branch directly. Always verify the code before initiating a transfer.

Q5: Can I transfer money without an IFSC code?
A5: For electronic fund transfers like NEFT, RTGS, or IMPS, the IFSC code is mandatory. Without it, the system cannot correctly identify the recipient’s bank and branch, and the transaction will not proceed.