Bihar Gramin Bank Pohaddi IFSC Code

If you’re looking to send or receive money digitally to or from the Bihar Gramin Bank Pohaddi branch, located in Darbhanga, Bihar, you’ll need its Indian Financial System Code (IFSC). This unique code is essential for processing secure and efficient online fund transfers through systems like NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service). Knowing the correct IFSC ensures your money reaches the right account without delays or errors.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Pohaddi
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	108050
Branch Address	Pohaddi, DARBHANGA, 847427, 9297955142
Contact Number	9297955142
City	DARBHANGA
District	DARBHANGA
Pincode	847427
State	Bihar

Merger Update

Previously, there were two distinct regional rural banks in Bihar: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have since merged to form a single entity known as Bihar Gramin Bank. This new bank now operates under the sponsorship of Punjab National Bank (PNB).

As a result of this merger and the new sponsorship, the IFSC codes for all Bihar Gramin Bank branches, including Pohaddi, have been standardized. The official and only valid IFSC code to use for any transaction involving Bihar Gramin Bank Pohaddi branch is PUNB0MBGB06.

It is very important to understand that any old IFSC codes previously associated with Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) are now revoked and no longer valid for processing transactions. Always use the new, unified IFSC code PUNB0MBGB06 for accurate fund transfers.

What is an IFSC Code?

The IFSC Code stands for Indian Financial System Code. It is a unique 11-character code assigned by the Reserve Bank of India (RBI) to identify all bank branches participating in online fund transfer systems.

This code is made up of three distinct parts:

• The first four characters are alphabetic and represent the bank’s name. For Bihar Gramin Bank, since it’s sponsored by Punjab National Bank, these characters are PUNB.
• The fifth character is always a zero (0). This character is reserved for future use.
• The last six characters are alphanumeric and uniquely identify a specific branch. For the Pohaddi branch, these characters are MBGB06.

So, the full code PUNB0MBGB06 clearly tells the system that the transaction is for Punjab National Bank-sponsored Bihar Gramin Bank, and specifically for its Pohaddi branch.

How to Use an IFSC Code

Using the IFSC code is a straightforward process when you’re making digital fund transfers. Here’s how it generally works for NEFT, RTGS, and IMPS:

• Log In: Access your online banking portal or mobile banking app.
• Select Transfer Type: Choose the type of transfer you want to make – NEFT, RTGS, or IMPS.
• Add Beneficiary: If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary. This usually involves providing:
  • Beneficiary’s Name
  • Beneficiary’s Bank Account Number (confirm this carefully)
  • Beneficiary’s Bank Name (Bihar Gramin Bank)
  • Beneficiary’s Branch Name (Pohaddi)
  • The correct IFSC Code (PUNB0MBGB06)
• Confirm Details: Double-check all the entered information, especially the account number and IFSC code, to avoid any errors.
• Enter Amount & Initiate: Input the amount you wish to transfer and confirm the transaction.

For recurring transfers to an already added beneficiary, you typically only need to select the beneficiary and enter the amount, as their bank details, including the IFSC, are saved.

Benefits of Knowing the IFSC Code

Knowing the correct IFSC code for Bihar Gramin Bank Pohaddi branch offers several key benefits:

• Enables Digital Transfers: It is mandatory for all NEFT, RTGS, and IMPS transactions, allowing for quick and paperless money movement.
• Ensures Accuracy: The unique code ensures that funds are routed to the precise bank and branch, minimizing the risk of misdirected payments.
• Speeds Up Transactions: Automated processing using IFSC codes makes inter-bank transfers much faster than traditional methods.
• Security: The system relies on accurate IFSC codes to maintain the integrity and security of the financial network.
• Convenience: You can send or receive money from anywhere, at any time, without needing to visit the bank physically.

Contact Information

If you need to get in touch with the bank for queries related to the Pohaddi branch or other services, here are the relevant contact details:

• Pohaddi Branch Phone Number: 9297955142
• Pohaddi Branch Address: Pohaddi, DARBHANGA, 847427, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Bihar Gramin Bank Toll-Free Number: 18001807777

FAQs

Q1: Is the IFSC code PUNB0MBGB06 valid for all Bihar Gramin Bank branches?

No, the IFSC code PUNB0MBGB06 is specifically for the Pohaddi branch. While the first five characters (PUNB0) might be common for many Bihar Gramin Bank branches due to PNB sponsorship, the last six characters (MBGB06) uniquely identify the Pohaddi branch. Always confirm the exact IFSC code for the specific branch you intend to transact with.

Q2: What should I do if my bank asks for the old UBGB or DBGB IFSC code?

You should inform your bank or the person requesting the code that Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have merged to form Bihar Gramin Bank. The old IFSC codes are no longer valid. Provide them with the new, correct IFSC code for the Bihar Gramin Bank Pohaddi branch, which is PUNB0MBGB06.

Q3: Can I use this IFSC code for international money transfers?

No, the IFSC code is primarily for domestic fund transfers within India. For international money transfers, you would typically need a SWIFT (Society for Worldwide Interbank Financial Telecommunication) code, also known as a BIC (Bank Identifier Code), of the receiving bank. Bihar Gramin Bank, as a Regional Rural Bank, may not have its own SWIFT code; such transfers are usually routed through its sponsoring bank, Punjab National Bank.

Q4: What is the difference between an IFSC code and a MICR code?

An IFSC code (Indian Financial System Code) is an 11-character code used for online fund transfers (NEFT, RTGS, IMPS) to identify a specific bank branch. A MICR code (Magnetic Ink Character Recognition) is a 9-digit code printed on cheque leaves, primarily used for clearing physical cheques. While both identify a bank branch, they serve different purposes in the banking system.

Q5: Is it safe to share my bank’s IFSC code?

Yes, it is generally safe to share your bank’s IFSC code. The IFSC code only helps identify your bank and branch for receiving funds. It does not provide access to your account or any sensitive information. However, you should always be cautious about sharing your bank account number and other personal details only with trusted individuals or entities.