The Bihar Gramin Bank branch in NOAWAN, located in the Aurangabad district of Bihar, serves the local community with essential banking services. For anyone looking to send or receive money through online banking, understanding the branch’s Indian Financial System Code (IFSC) is critical. This unique 11-character code is mandatory for all digital fund transfers, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). It acts as a specific address, ensuring that your funds are routed correctly to the intended bank branch without any errors or delays.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | NOAWAN |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | MBGB06 |
| Branch Address | NOAWAN, Aurangabad, 824124, Bihar |
| Contact Number | 7091596967 |
| City | Aurangabad |
| District | Aurangabad |
| State | Bihar |
Important Merger Information
Bihar Gramin Bank was formed through the amalgamation of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). As a result of this merger and sponsorship by Punjab National Bank (PNB), all branches now operate under a unified system. The IFSC codes for all branches, including NOAWAN, now start with ‘PUNB’.
It is crucial to note that any old IFSC codes previously used for UBGB or DBGB are now invalid and have been revoked. To ensure your transactions are successful, you must use the new IFSC code, PUNB0MBGB06, for all fund transfers to the NOAWAN branch.
What is an IFSC Code?
The Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in the electronic funds transfer network. This code helps identify the specific branch involved in a transaction, eliminating confusion and ensuring accuracy. The structure is always the same:
- First 4 Characters: These represent the name of the bank. For Bihar Gramin Bank, this is PUNB, which stands for its sponsor, Punjab National Bank.
- Fifth Character: This is always a zero (0). It is reserved for future use.
- Last 6 Characters: This part identifies the specific branch. For the NOAWAN branch, the code is MBGB06.
How to Use the IFSC Code for Fund Transfers
Using the IFSC code for an online money transfer is a straightforward process. Whether you are using a mobile banking app or an internet banking portal, the steps are generally similar.
- Log in to your net banking account or mobile banking application.
- Navigate to the ‘Fund Transfer’ or ‘Payments’ section. Select the transfer method: NEFT, RTGS, or IMPS.
- Choose the option to add a new beneficiary or payee.
- You will be prompted to enter the beneficiary’s details, including their name, account number, and the bank’s IFSC code.
- In the IFSC field, carefully enter PUNB0MBGB06 for the Bihar Gramin Bank NOAWAN branch.
- Enter the amount you wish to transfer and confirm the details before submitting the transaction.
Benefits of Using the Correct IFSC Code
- Ensures Accuracy: The primary benefit is that it directs your money to the exact bank and branch, preventing misdirected payments.
- Prevents Transaction Failures: Using an incorrect or outdated IFSC code is a common reason for transaction rejections. The correct code ensures a smooth process.
- Speeds Up Transfers: With the right IFSC, automated systems can process your transaction quickly without the need for manual intervention.
- Enhances Security: The code acts as a layer of verification, confirming that the account number you entered corresponds with the intended bank branch.
Contact Information
For direct assistance or queries, you can reach out to the branch or the head office.
NOAWAN Branch
Phone: 7091596967
Address: NOAWAN, Aurangabad, Bihar – 824124
Bihar Gramin Bank Head Office
Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
Toll-Free Number: 18001807777
Frequently Asked Questions
1. Why does the Bihar Gramin Bank IFSC code start with ‘PUNB’?
The first four letters of the IFSC code represent the sponsor bank. Bihar Gramin Bank is sponsored by Punjab National Bank (PNB), so its IFSC codes begin with ‘PUNB’.
2. What will happen if I use an old IFSC code from Dakshin Bihar Gramin Bank?
If you use an old, discontinued IFSC code, your transaction will fail. The funds will either not leave your account or will be returned after a few business days. It is essential to only use the new ‘PUNB’ prefixed code.
3. Is the IFSC code the same as the MICR code?
No, they are different. The IFSC code (PUNB0MBGB06) is used for online fund transfers like NEFT and RTGS. The MICR code (800811002) is a 9-digit code used primarily for processing cheques.
4. How can I find the IFSC code for a different Bihar Gramin Bank branch?
You can find the IFSC code for any branch on your bank-issued chequebook or passbook. You can also visit the bank’s official website or contact customer service for a specific branch code.
5. Can I use this IFSC code to receive money from another country?
No, the IFSC code is only for domestic fund transfers within India. For international money transfers, you will need a SWIFT code, which you should request from the bank directly.
Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.