Bihar Gramin Bank NATWAR KALAN IFSC Code

Welcome to the detailed guide about the banking services in NATWAR KALAN, Rohtas, Bihar. When you need to send or receive money electronically, understanding the Indian Financial System Code, or IFSC, is crucial. This unique code acts like a digital address for bank branches, making sure your funds go to the right place quickly and securely through systems like NEFT, RTGS, and IMPS.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	NATWAR KALAN
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	6857
Branch Address	NATWAR KALAN, Rohtas, 802218, 7485096857
Contact Number	7485096857
City	Rohtas
District	Rohtas
Reason	SASARAM
Pincode	802218
State	Bihar

Merger Update

Bihar Gramin Bank is a Regional Rural Bank (RRB) sponsored by Punjab National Bank. It was formed by the merger of several RRBs in Bihar, including Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). As a result of these mergers, all branches, including NATWAR KALAN, now operate under a unified IFSC code structure. The code PUNB0MBGB06 is the valid and active IFSC for the NATWAR KALAN branch of Bihar Gramin Bank. It is vital to note that any old IFSC codes previously used by UBGB or DBGB for their respective branches have been revoked and are no longer valid for any banking transactions. Always use the current code PUNB0MBGB06 for reliable fund transfers to this branch.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alpha-numeric code that uniquely identifies every bank branch in India. It’s essential for all electronic fund transfers. Let’s break down how it works:

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

This structured format ensures that each branch has its own distinct digital identifier, preventing errors in transactions.

How to Use Your IFSC Code for Transfers

The IFSC code is a key piece of information needed when you initiate electronic fund transfers through NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service). Here’s a general guide:

1. Gather Beneficiary Details: Before starting, make sure you have the recipient’s bank account number, account holder’s name, and the correct IFSC code (PUNB0MBGB06 for NATWAR KALAN branch).
2. Login to Your Bank’s Online Portal or App: Access your internet banking or mobile banking application.
3. Select Fund Transfer Option: Look for options like “Fund Transfer,” “NEFT,” “RTGS,” or “IMPS.”
4. Add New Beneficiary: If you haven’t transferred to this account before, you will need to add the beneficiary. You’ll input the beneficiary’s name, account number, and the IFSC code.
5. Verify Details: The system will often display the branch name (e.g., NATWAR KALAN) after you enter the IFSC code, allowing you to confirm it’s the right branch.
6. Enter Amount and Confirm: Specify the amount you wish to transfer and confirm the transaction using your password or OTP (One-Time Password).

For example, if you are sending money to someone with an account at Bihar Gramin Bank, NATWAR KALAN branch, you would enter “PUNB0MBGB06” in the IFSC field during the transfer process.

Why Knowing Your IFSC Code is Important

Knowing the correct IFSC code for your bank branch, or the branch you wish to send money to, offers several important benefits:

• Ensures Accurate Transfers: It guarantees that funds are directed to the specific branch and account you intend, significantly reducing the risk of errors.
• Facilitates Electronic Payments: It is mandatory for all major electronic fund transfer systems like NEFT, RTGS, and IMPS, enabling quick and efficient money movement.
• Unique Identification: The IFSC provides a unique identity for each bank branch, which is crucial in a large banking network like India’s.
• Saves Time: With the correct IFSC, transfers are processed smoothly and without delays, unlike manual methods that take longer.
• Security: It adds a layer of security by ensuring that transactions are routed through recognized and verified banking channels.

Contact Information

Should you need to contact the NATWAR KALAN branch or the head office, here are the details:

• Branch Phone Number: 7485096857
• Branch Address: NATWAR KALAN, Rohtas, 802218
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Bihar Gramin Bank): 18001807777

Frequently Asked Questions

Q1: Is the IFSC code the same for all branches of Bihar Gramin Bank?

A1: No, while the first five characters (PUNB0) are typically common as they represent the sponsor bank and the zero, the last six characters are unique to each specific branch. So, the NATWAR KALAN branch has PUNB0MBGB06, but another branch of Bihar Gramin Bank will have a different last six characters in its IFSC code.

Q2: What happens if I use an old or incorrect IFSC code for a transfer?

A2: If you use an incorrect or revoked IFSC code, your transaction will likely fail. The banking system will detect that the code doesn’t match the beneficiary’s account or an active branch. The funds will usually be returned to your account within a few hours or days, but it causes unnecessary delays. Always double-check the IFSC code before initiating a transfer.

Q3: Is the IFSC code required for cash deposits or withdrawals at the branch?

A3: No, the IFSC code is not typically required for cash deposits or withdrawals made directly at the bank branch. These over-the-counter transactions only require the account number and the account holder’s name (and sometimes identification for withdrawals). The IFSC code is specifically for electronic fund transfers.

Q4: How can I find the IFSC code for other Bihar Gramin Bank branches?

A4: You can find IFSC codes for other branches through several reliable methods: checking the bank’s official website, referring to your bank passbook or cheque book, using reliable third-party financial websites, or by contacting the bank’s customer service helpline (like the toll-free number 18001807777).

Q5: What does the ‘PUNB’ in the IFSC code PUNB0MBGB06 signify?

A5: The ‘PUNB’ at the beginning of the IFSC code stands for Punjab National Bank. This indicates that Punjab National Bank is the sponsor bank for Bihar Gramin Bank, meaning it oversees and supports the operations of this Regional Rural Bank.