Bihar Gramin Bank NAUHATTA IFSC Code

Located in the heart of Nauhatta, a town nestled within the Rohtas district of Bihar, this branch of Bihar Gramin Bank serves as a vital financial hub for the local community. For anyone looking to send or receive money digitally, understanding the bank’s Indian Financial System Code (IFSC) is absolutely essential. This unique code acts like a digital address, ensuring that your funds reach the correct bank and branch swiftly and securely, whether you are using NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service).

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	NAUHATTA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7379
Branch Address	NAUHATTA, Rohtas, 821304, 9771464379
Contact Number	9771464379
City	Rohtas
District	Rohtas
Region	SASARAM
Pincode	821304
State	Bihar

Merger Update

Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have undergone a significant merger. These entities now operate under the sponsorship of Punjab National Bank, streamlining their operations and services. As a result of this merger, all their banking activities now use a single, unified Indian Financial System Code (IFSC): PUNB0MBGB06. It’s crucial for customers to note that any old IFSC codes previously associated with UBGB or DBGB branches have been revoked and are no longer valid for transactions. Only the new PUNB0MBGB06 code is to be used for all electronic fund transfers moving forward.

What is an IFSC Code?

An IFSC code is an 11-character alphanumeric code that uniquely identifies every bank branch participating in online fund transfers within India. Think of it as a postal code for digital banking. This code is critical for ensuring that money sent through systems like NEFT, RTGS, and IMPS goes to the precise recipient branch without errors.

Let’s break down the structure of the IFSC code PUNB0MBGB06:

• The first four characters, PUNB, identify the bank. In this case, it stands for Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always a zero (0). This character is reserved for future use and remains constant across all IFSC codes.
• The last six characters, MBGB06, uniquely identify the specific branch. For the Nauhatta branch of Bihar Gramin Bank, this sequence pinpoints its exact location within the bank’s network.

Knowing this breakdown helps you understand how the code works to route your funds accurately.

How to Use IFSC Code for Fund Transfers

Using an IFSC code for online money transfers is straightforward. Whether you’re sending money via NEFT, RTGS, or IMPS, the steps are largely similar:

1. Log in to Your Banking Platform: Access your net banking portal or mobile banking application using your credentials.
2. Navigate to Fund Transfer: Look for options like “Fund Transfer,” “Payments,” or “Send Money.”
3. Select Transfer Type: Choose the type of transfer you wish to make (NEFT, RTGS, or IMPS). NEFT is typically for deferred settlements, RTGS for immediate large-value transfers, and IMPS for instant, smaller transfers.
4. Add Beneficiary Details: If you’re sending money to a new recipient, you’ll need to add them as a beneficiary. You will typically be asked for:
   • Beneficiary Name
   • Beneficiary Account Number
   • Confirm Beneficiary Account Number
   • Beneficiary Bank’s IFSC Code (PUNB0MBGB06 for this branch)
   • Beneficiary Bank Name (e.g., Bihar Gramin Bank)
5. Enter Amount and Remarks: Specify the amount you wish to transfer and add any relevant remarks for the transaction.
6. Review and Confirm: Double-check all the details, especially the account number and IFSC code, to prevent errors. Confirm the transaction using your banking password or OTP (One-Time Password).

Once confirmed, the funds will be transferred to the recipient’s account.

Benefits of Knowing Your IFSC Code

Having easy access to your bank’s IFSC code offers several practical advantages:

• Enables Electronic Transfers: It is the cornerstone for all digital fund transfers, including NEFT, RTGS, and IMPS, allowing for quick and efficient money movement.
• Ensures Accuracy: The unique branch identification ensures that your money is routed to the exact intended recipient’s branch, significantly reducing the chance of funds going to the wrong account.
• Facilitates Inter-Bank Transactions: It allows seamless transactions between different banks and their branches across India.
• Reduces Manual Errors: By standardizing the identification process, it minimizes the need for manual processing, leading to fewer errors and faster completion of transactions.
• Supports Digital Economy: It plays a crucial role in India’s push towards a cashless and digitally-enabled economy, making financial transactions more accessible and secure for everyone.

Contact Information

For direct inquiries or assistance related to the Nauhatta branch of Bihar Gramin Bank, you can use the following contact details:

• Branch Phone Number: 9771464379
• Branch Address: NAUHATTA, Rohtas, 821304, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

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

Q2: Why is the IFSC code important for fund transfers?
A2: The IFSC code is crucial because it ensures that electronic fund transfers (like NEFT, RTGS, and IMPS) are directed to the correct bank and specific branch, preventing errors and ensuring security.

Q3: Can I still use an old IFSC code if it was for Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank?
A3: No, after the merger of Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank, all old IFSC codes for these entities have been revoked. You must use the new, unified IFSC code, PUNB0MBGB06, for all future transactions.

Q4: What types of transactions require an IFSC code?
A4: You need an IFSC code for all types of electronic fund transfers within India, including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service).

Q5: How can I find the IFSC code for a bank branch?
A5: You can typically find a bank’s IFSC code on your cheque book, bank passbook, the bank’s official website, or by using reliable online banking portals and financial aggregator websites.