Bihar Gramin Bank NAUBATPUR IFSC Code

The NAUBATPUR branch of Bihar Gramin Bank is located in Patna, Bihar. This area, like many others, relies on modern banking for everyday financial needs. When you need to transfer money electronically, whether to family, friends, or for business, understanding and using the correct Indian Financial System Code, or IFSC, is absolutely essential. This unique code ensures that your funds reach the intended bank branch safely and quickly when using services like National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS).

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	NAUBATPUR
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7428
Branch Address	NAUBATPUR, Patna, 801109, 9771464428
Contact Number	9771464428
City	Patna
District	Patna
Reason	PATNA
Pincode	801109
State	Bihar

Merger Update

Previously, banking in Bihar was served by Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two entities have since merged to form a single, unified bank: Bihar Gramin Bank. All branches, including NAUBATPUR, now operate under this new identity. Importantly, all banking operations for Bihar Gramin Bank are sponsored by Punjab National Bank. This means that all transactions, including those for the NAUBATPUR branch, now use the single, standardized IFSC code: PUNB0MBGB06.

It is crucial to understand that any old IFSC codes associated with UBGB or DBGB are no longer valid. If you have stored old IFSC codes in your online banking system or payment apps, you must update them to PUNB0MBGB06 to ensure your fund transfers are successful. Using a revoked IFSC code will result in transaction failure.

What is IFSC Code?

An IFSC code is an 11-character alphanumeric code used to identify individual bank branches participating in electronic fund transfers. Think of it as a unique address for a specific branch within the Indian banking system. This code is crucial for directing money to the right place during online transactions. The 11 characters are structured in a specific way:

• The first four characters represent the bank’s name. For Bihar Gramin Bank, this part is ‘PUNB’ because it is sponsored by 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 uniquely identify the specific bank branch. For the NAUBATPUR branch, these are ‘MBGB06’.

So, for Bihar Gramin Bank NAUBATPUR, the complete IFSC is PUNB0MBGB06.

How to Use IFSC Code

Using the IFSC code correctly is key for smooth online fund transfers via NEFT, RTGS, or IMPS. Here’s a general step-by-step guide:

1. Log In: Access your net banking portal 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 haven’t transferred to this person or entity before, you’ll need to add them as a beneficiary. This typically involves providing:
   • Beneficiary Name (the recipient’s full name)
   • Beneficiary Account Number (the recipient’s bank account number)
   • Confirm Beneficiary Account Number
   • Bank Name (e.g., Bihar Gramin Bank)
   • IFSC Code: PUNB0MBGB06 (for NAUBATPUR branch)
   • Account Type (Savings, Current, etc.)
4. Verify Details: Double-check all the entered information, especially the account number and IFSC code. An incorrect digit can lead to funds being sent to the wrong account or the transaction failing.
5. Enter Amount: Specify the amount you wish to transfer.
6. Confirm Transaction: Review the summary and confirm the transaction, often by entering an OTP (One Time Password) sent to your registered mobile number.

Once confirmed, the funds will be processed according to the chosen transfer method (NEFT, RTGS, or IMPS).

Benefits

Knowing and using the correct IFSC code offers several advantages for your banking needs:

• Efficient Fund Transfers: Ensures your money goes to the correct branch and account quickly during online transfers.
• Security: Reduces the risk of errors and ensures secure routing of funds within the banking network.
• Convenience: Facilitates easy and hassle-free online transactions from anywhere, at any time.
• Required for Digital Banking: Essential for using popular digital payment methods like NEFT, RTGS, and IMPS.
• Accuracy: Helps in pinpointing the exact bank branch for various financial activities, preventing delays or failures.

Contact Section

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

Branch Phone Number: 9771464428

Branch Address: NAUBATPUR, Patna, 801109

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll-Free Number: 18001807777

FAQs

Here are answers to some common questions about the IFSC code for Bihar Gramin Bank, NAUBATPUR branch:

Q1: Is the IFSC code PUNB0MBGB06 unique to the NAUBATPUR branch?
A1: Yes, the last six characters (‘MBGB06’) of the IFSC code specifically identify the NAUBATPUR branch of Bihar Gramin Bank. The entire 11-character code is unique to this specific branch.

Q2: What happens if I use an old IFSC code for a merged bank?
A2: If you use an old IFSC code from Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) that is now revoked, your transaction will likely fail. The system will not recognize the old code, and the funds will not be transferred. Always use the current code, PUNB0MBGB06.

Q3: Do I need the IFSC code for all types of bank transfers?
A3: You specifically need the IFSC code for inter-bank electronic fund transfers like NEFT, RTGS, and IMPS. If you are transferring money between two accounts within the same bank (intra-bank transfer), you might not always need the IFSC code, but it’s good practice to have it or confirm with your bank.

Q4: Can I find the IFSC code on my chequebook?
A4: Yes, the IFSC code is typically printed on the top left corner of your chequebook leaf. It’s also available on your bank’s website, mobile banking app, or by contacting customer service.

Q5: What should I do if my online transaction fails due to an incorrect IFSC code?
A5: If your transaction fails because of an incorrect IFSC code, the funds are usually not debited from your account or are reversed within a short period. You should re-initiate the transaction using the correct IFSC code, PUNB0MBGB06, and double-check all other beneficiary details.