Bihar Gramin Bank MESKAUR IFSC Code

You’re looking for details about the Bihar Gramin Bank branch in MESKAUR, specifically its IFSC code and how it works. This information is key for sending or receiving money safely through online banking methods like NEFT, RTGS, and IMPS. The MESKAUR branch, located in the Nawada district of Bihar, uses a specific code to ensure your funds reach the right destination without any issues.

Branch Details

Here are the important details for the Bihar Gramin Bank MESKAUR branch:

Bank Name	Bihar Gramin Bank
Branch Name	MESKAUR
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7293
Branch Address	MESKAUR, Nawada, 805131
Contact Number	9771464293
City	Nawada
District	Nawada
Reason	NAWADA
Pincode	805131
State	Bihar

Merger Update

The banking landscape in Bihar has seen some changes over time. Previously, banks like Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) served the region. These two banks merged to form Bihar Gramin Bank. Later, Bihar Gramin Bank itself merged into a larger entity known as Madhya Bihar Gramin Bank. Madhya Bihar Gramin Bank is sponsored by Punjab National Bank.

Because of these mergers, all branches that were formerly part of UBGB, DBGB, or the initial Bihar Gramin Bank now operate under the unified structure of Madhya Bihar Gramin Bank. As a result, any old IFSC codes previously used for UBGB or DBGB branches have been revoked and are no longer valid for transactions. For the MESKAUR branch, the single, valid IFSC code for all fund transfers is PUNB0MBGB06. This code ensures your transactions are correctly processed through the Punjab National Bank’s system, which is the sponsor bank for Madhya Bihar Gramin Bank.

What is an IFSC Code?

IFSC stands for Indian Financial System Code. It is a unique 11-character alphanumeric code used to identify all bank branches participating in online funds transfers within India. Think of it as a unique address for each bank branch.

• The first four characters represent the bank name. For PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsor bank of Madhya Bihar Gramin Bank.
• The fifth character is always a zero (0). This is a control character, kept for future use.
• The last six characters identify the specific branch. In this case, “MBGB06” uniquely identifies the MESKAUR branch.

This structure helps banks accurately direct your money to the correct recipient branch, no matter where it is located in India.

How to Use an IFSC Code

You will need the IFSC code whenever you want to transfer money electronically using services like NEFT, RTGS, or IMPS. Here’s a general guide:

1. Log In: Access your online banking account or mobile banking app.
2. Select Transfer Option: Choose the option for funds transfer, usually labeled “NEFT,” “RTGS,” or “IMPS.”
3. Add Beneficiary: If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary. This usually involves providing:
   • Beneficiary’s Name
   • Beneficiary’s Account Number
   • Beneficiary’s Bank Name (e.g., Bihar Gramin Bank, now Madhya Bihar Gramin Bank)
   • Beneficiary’s IFSC Code (PUNB0MBGB06 for MESKAUR branch)
4. Confirm Details: Double-check all the information, especially the account number and IFSC code, to avoid errors.
5. Enter Amount: Specify the amount you wish to transfer.
6. Authorize Transaction: Complete the transfer using your PIN, OTP, or other security measures.

Always ensure the IFSC code is correct to prevent delays or incorrect transfers.

Benefits of Knowing the IFSC Code

Having the correct IFSC code for the MESKAUR branch offers several benefits:

• It enables smooth and secure online fund transfers via NEFT, RTGS, and IMPS.
• It ensures that money reaches the intended recipient’s bank branch without errors.
• It speeds up the process of adding new beneficiaries for transactions.
• It is essential for receiving payments, as the sender will need your branch’s IFSC code.
• It reduces the chances of transactional failures or delays due to incorrect bank identification.

Contact Information

For any queries related to the MESKAUR branch or the bank’s services, you can use the following contact details:

• MESKAUR Branch Phone Number: 9771464293
• MESKAUR Branch Address: MESKAUR, Nawada, 805131, Bihar
• Head Office Address (Madhya Bihar Gramin Bank): SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Madhya Bihar Gramin Bank): 18001807777

Frequently Asked Questions

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

Q1: Is the Bihar Gramin Bank MESKAUR branch still operational?
A1: Yes, the branch is operational. While the name “Bihar Gramin Bank” is still commonly used, it has merged into Madhya Bihar Gramin Bank, which is sponsored by Punjab National Bank.

Q2: Can I use an old IFSC code for Bihar Gramin Bank for my transactions?
A2: No, it is crucial to use the current IFSC code, PUNB0MBGB06. Due to bank mergers, old IFSC codes for previous entities like Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are no longer valid. Using an old code will likely result in a failed transaction.

Q3: What if I enter the wrong IFSC code during a transfer?
A3: If you enter an incorrect IFSC code, your transaction will likely fail and the funds will be returned to your account. In some rare cases, if the incorrect code belongs to another valid branch and the account number matches a valid account there, the money could go to the wrong person. Always double-check the IFSC code.

Q4: Do I need the IFSC code for cash deposits or withdrawals at the branch?
A4: No, you do not need the IFSC code for cash deposits or withdrawals made directly at the bank branch counter. The IFSC code is primarily for electronic funds transfers between different banks or branches.

Q5: How can I find the IFSC code for other branches of Madhya Bihar Gramin Bank?
A5: You can find IFSC codes on the official website of Madhya Bihar Gramin Bank or Punjab National Bank (its sponsor bank). You can also find them on your bank passbook, chequebook, or by using online IFSC code finder tools.