Bihar Gramin Bank ORAINA IFSC Code

If you need to send or receive money at the Bihar Gramin Bank branch located in ORAINA, Nawada, understanding the Indian Financial System Code (IFSC) is very important. This unique 11-character code is crucial for all electronic fund transfers. It makes sure your money goes to the right bank and the exact branch you intend. Whether you are using NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service), the correct IFSC code is always required.

Branch Details

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

Bank Name	Bihar Gramin Bank
Branch Name	ORAINA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7552
Branch Address	ORAINA, Nawada, 805110, 7541807552
Contact Number	7541807552
City	Nawada
District	Nawada
Reason	NAWADA
Pincode	805110
State	Bihar

Merger Update

Bihar Gramin Bank was formed from the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this merger, all branches, including ORAINA, now operate under a unified IFSC code structure. This unified structure falls under Punjab National Bank, which is the sponsor bank for Bihar Gramin Bank. The current and valid IFSC code for the ORAINA branch is PUNB0MBGB06.

It is important to note that if you previously used an old IFSC code associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank for transactions related to this region, those old codes are no longer valid. For all your digital transactions involving Bihar Gramin Bank ORAINA, you must use the new, unified IFSC code: PUNB0MBGB06.

What is an IFSC Code?

The IFSC code is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in online money transfers. This code is not just a random string of letters and numbers; it has a specific structure that helps identify the bank and its branch precisely.

• The first four characters identify the bank. For example, in PUNB0MBGB06, “PUNB” 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 kept as a control measure and is reserved for future use.
• The last six characters uniquely identify the specific bank branch. In the case of ORAINA, “MBGB06” points directly to this particular branch in Nawada.

This systematic structure ensures that every transaction is routed accurately to its intended destination, reducing errors in money transfers.

How to Use the IFSC Code

Using the IFSC code correctly is essential for any online fund transfer. Here’s how you typically use it for NEFT, RTGS, and IMPS transactions:

1. Gather Beneficiary Details: Before starting a transfer, you will need the beneficiary’s full name, account number, bank name, and the correct IFSC code for their branch.
2. Log In to Your Bank’s Online Platform: Access your net banking account or mobile banking app.
3. Select Funds Transfer: Choose the option for “Funds Transfer” or “Payments.”
4. Add Beneficiary (if new): If you are sending money to this account for the first time, you will need to add them as a new beneficiary. You will enter their name, account number, and the IFSC code (PUNB0MBGB06 for ORAINA branch). You might also be asked for the bank name (Bihar Gramin Bank) and branch address.
5. Verify Details: After entering the IFSC code, the bank’s system usually auto-populates the bank and branch name. Always double-check that these match your beneficiary’s bank details.
6. Enter Amount and Purpose: Specify the amount you wish to transfer and a brief description for the transaction (e.g., “Family support,” “Rent payment”).
7. Choose Transfer Type: Select NEFT, RTGS, or IMPS depending on the amount and urgency. IMPS is for instant transfers, NEFT takes a few hours, and RTGS is for large-value, real-time transfers.
8. Confirm and Authorize: Review all the details one last time before confirming the transaction. You may need to enter an OTP (One Time Password) or a transaction password to authorize the transfer.

Always ensure the IFSC code and account number are accurate. A single wrong digit can send your money to the wrong account.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch offers several advantages:

• Accurate Fund Transfers: Ensures your money reaches the intended recipient’s bank account and specific branch without error.
• Faster Transactions: Speeds up the process for NEFT, RTGS, and IMPS transfers by correctly routing funds.
• Online Banking Convenience: Allows you to perform transactions from anywhere, anytime, using net banking or mobile apps.
• Reduced Risk of Error: Minimizes the chances of money being transferred to a wrong account due to incorrect branch identification.
• Required for UPI Payments: While you don’t always directly enter an IFSC for UPI, it’s foundational for the underlying banking system.

Contact Information

If you need to contact the Bihar Gramin Bank ORAINA branch or the bank’s head office, here are the details:

• Branch Phone Number: 7541807552
• Branch Address: ORAINA, Nawada, 805110, 7541807552
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: Is the IFSC code for Bihar Gramin Bank ORAINA branch always the same?
A1: Yes, the IFSC code PUNB0MBGB06 is a permanent code assigned to the Bihar Gramin Bank ORAINA branch. It generally does not change unless there is a major bank merger or restructuring affecting the entire bank, which would be widely announced.

Q2: What should I do if I enter a wrong IFSC code during a transaction?
A2: If you enter an incorrect IFSC code but the account number is correct, the transaction might fail. Many banking systems validate the IFSC against the account number and bank. If the transaction still goes through to a different branch because of a wrong IFSC and correct account number, you should contact your bank immediately to try and reverse or trace the payment. Prevention is best: always double-check the IFSC and account number.

Q3: Can I use the old IFSC code for Bihar Gramin Bank ORAINA from before the merger?
A3: No, old IFSC codes that belonged to Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are no longer valid for transactions to the ORAINA branch or any other Bihar Gramin Bank branch. You must use the unified and current IFSC code, PUNB0MBGB06.

Q4: Do I need an IFSC code for cash deposits at the branch?
A4: No, you do not need an IFSC code for direct cash deposits at the branch counter. The IFSC code is specifically required for electronic fund transfers like NEFT, RTGS, and IMPS that happen online or through banking channels outside the physical branch counter.

Q5: How can I confirm the correct IFSC code for any Bihar Gramin Bank branch?
A5: You can confirm the correct IFSC code by checking the bank’s official website, your passbook, or contacting the specific branch directly. You can also use reliable third-party financial websites that provide IFSC code lookup services, but always cross-reference with an official source if possible.