Bihar Gramin Bank Nirmali IFSC Code

The Bihar Gramin Bank branch in Nirmali, located in the Supaul district of Bihar, serves as a crucial point for banking services in the region. For anyone looking to send or receive money electronically, understanding the Indian Financial System Code (IFSC) for this branch is essential. The IFSC code acts like a unique digital address, ensuring that your funds are transferred accurately and securely through systems like National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS).

Branch Details

Here are the key details for the Bihar Gramin Bank Nirmali branch:

Bank Name	Bihar Gramin Bank
Branch Name	Nirmali
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100845
Branch Address	Nirmali, SUPAUL, 852127, 9297954262
Contact Number	9297954262
City	Supaul
District	Supaul
Reason	Saharsa
Pincode	852127
State	Bihar

Merger Update for Bihar Gramin Bank

Bihar Gramin Bank is a Regional Rural Bank (RRB) sponsored by Punjab National Bank (PNB). It was formed from the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This consolidation aimed to strengthen rural banking services across Bihar.

Following this merger, the IFSC codes for branches like Nirmali now reflect the unified entity. The IFSC code PUNB0MBGB06 clearly shows its sponsorship by Punjab National Bank (PUNB) and signifies its status as part of the merged Bihar Gramin Bank entity (MBGB). It is crucial to note that any old IFSC codes previously associated with Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) are no longer valid. For any electronic fund transfers to the Nirmali branch, or any other branch of the current Bihar Gramin Bank, only the new, standardized IFSC code beginning with “PUNB0MBGB” should be used.

What is an IFSC Code?

An IFSC code is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify all bank branches participating in electronic fund transfers. This unique code helps to correctly route money to the intended bank and branch.

The structure of an IFSC code is precise:

• The first four characters represent the bank name. For Bihar Gramin Bank, this is “PUNB”, indicating its sponsoring bank, Punjab National Bank.
• The fifth character is always a zero (0). This character is reserved for future use and acts as a control digit.
• The last six characters identify the specific branch. In the case of Nirmali, “MBGB06” points directly to this particular branch within the Bihar Gramin Bank network.

How to Use the IFSC Code

Using the IFSC code is a straightforward process when you are making electronic payments. Here’s how it generally works for different types of transactions:

For NEFT (National Electronic Funds Transfer)

NEFT is a batch-based system, meaning transactions are processed in hourly batches during banking hours. It is suitable for transferring any amount of money.

1. Log in to your bank’s internet banking portal or mobile app.
2. Go to the “Fund Transfer” or “Payments” section.
3. Select “NEFT” as the transfer type.
4. Add the beneficiary (the person you are sending money to). You will need their name, account number, and the IFSC code (PUNB0MBGB06 for Nirmali branch).
5. Enter the amount you wish to transfer.
6. Confirm the details and submit the transfer.

For RTGS (Real-Time Gross Settlement)

RTGS is designed for large-value transactions, typically for amounts of 2 lakh rupees (200,000) or more. As the name suggests, transactions are processed individually and in real-time.

1. Access your bank’s online banking platform.
2. Navigate to the “Fund Transfer” section and choose “RTGS”.
3. Provide the beneficiary’s details: name, account number, and the IFSC code (PUNB0MBGB06).
4. Input the transfer amount.
5. Review all information carefully before authorizing the transaction.

For IMPS (Immediate Payment Service)

IMPS offers instant, 24/7 fund transfers, including on holidays. It is a popular choice for quick transfers of smaller to medium amounts.

1. Open your mobile banking app or internet banking service.
2. Select the “IMPS” option for fund transfer.
3. Enter the beneficiary’s mobile number and MMID (Mobile Money Identifier) if available, or their account number and IFSC code (PUNB0MBGB06).
4. Specify the amount you want to send.
5. Confirm the transaction details to complete the transfer instantly.

Benefits of Knowing Your IFSC Code

Having the correct IFSC code for the Bihar Gramin Bank Nirmali branch offers several key advantages:

• Accurate Fund Transfers: Ensures that money reaches the correct beneficiary account at the specific Nirmali branch, preventing delays or misdirected funds.
• Faster Transactions: Facilitates quick processing of NEFT, RTGS, and IMPS payments, which are crucial for timely financial operations.
• Reduced Errors: Minimizes the risk of entering incorrect details, which could lead to failed transactions or funds being sent to the wrong account.
• Convenience: Makes banking easier whether you’re using online banking, mobile apps, or even visiting another bank branch for a transfer.
• Essential for Business: Businesses rely heavily on accurate IFSC codes for vendor payments, salary disbursements, and other financial operations.

Contact Information

For any queries or assistance related to the Nirmali branch or Bihar Gramin Bank, you can use the following contact details:

• Nirmali Branch Phone Number: 9297954262
• Nirmali Branch Address: Nirmali, Supaul, Pincode – 852127
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Customer Service Number: 18001807777

Frequently Asked Questions (FAQs)

Here are some common questions about the Bihar Gramin Bank Nirmali IFSC code and related services:

What is the full IFSC code for Bihar Gramin Bank Nirmali branch?

The full IFSC code for the Bihar Gramin Bank Nirmali branch is PUNB0MBGB06.

Can I use an old IFSC code for Uttar Bihar Gramin Bank for the Nirmali branch?

No, you cannot. Following the merger, all old IFSC codes for Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been revoked. You must use the new code, PUNB0MBGB06, for all electronic transactions to the Nirmali branch.

What does the “PUNB” part of the IFSC code stand for?

The “PUNB” in the IFSC code PUNB0MBGB06 indicates Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank.

Is the Bihar Gramin Bank Nirmali branch open on Sundays for transfers?

While the physical branch may be closed, you can typically initiate IMPS (Immediate Payment Service) transfers 24/7, even on Sundays and public holidays. NEFT and RTGS transfers are usually processed during specific banking hours, which may not include Sundays.

What should I do if my electronic fund transfer fails due to an incorrect IFSC code?

If your transfer fails, the funds are usually returned to your account within a few hours or one to two business days. Always double-check the beneficiary’s IFSC code and account number before initiating a transfer. If the funds are not returned, contact your bank’s customer service with the transaction details.