Bihar Gramin Bank Purnahiya IFSC Code

The Bihar Gramin Bank branch in Purnahiya, located in the SHEOHAR district of Bihar, is an important financial hub for the local community. When you need to transfer money electronically, whether through NEFT, RTGS, or IMPS, a specific code is essential. This code, known as the Indian Financial System Code (IFSC), ensures that your funds reach the correct bank and branch without any errors. It’s like a digital address for bank branches, making all your online transactions secure and efficient.

Branch Details

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

Bank Name	Bihar Gramin Bank
Branch Name	Purnahiya
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100136
Branch Address	Purnahiya, SHEOHAR, 0, 9297954799
Contact Number	9297954799
City	SHEOHAR
District	SHEOHAR
Region	SITAMARHI
Pincode	0
State	Bihar

Merger Update for Bihar Gramin Bank

It’s important for customers to be aware of a significant change regarding the regional rural banks in Bihar. Previously, there were two separate entities: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have merged to form a single, larger entity known as Bihar Gramin Bank.

As a result of this merger, all branches, including Purnahiya, now operate under the sponsorship of Punjab National Bank (PNB). This means that all financial transactions for Bihar Gramin Bank must use the new, standardized IFSC code. For the Purnahiya branch and all other branches of the merged Bihar Gramin Bank, the single valid IFSC code is PUNB0MBGB06. Any old IFSC codes associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are no longer valid for transactions. Always use PUNB0MBGB06 to ensure your fund transfers are processed correctly.

What is an IFSC Code?

The IFSC Code, or Indian Financial System Code, is an eleven-character alphanumeric code used to identify bank branches participating in the electronic funds settlement system. Each bank branch in India has a unique IFSC Code. This code helps the Reserve Bank of India (RBI) track and direct funds to the correct destination during online transfers.

The structure of an IFSC Code is simple to understand:

• The first four characters represent the bank name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsoring bank.
• The fifth character is always a zero (0). This character is reserved for future use.
• The last six characters identify the specific branch. For the Purnahiya branch, “MBGB06” uniquely identifies it within the Bihar Gramin Bank structure under PNB.

This standardized format ensures that every branch has a distinct digital identity, making online transactions reliable.

How to Use the IFSC Code

Using the IFSC Code is straightforward when you’re setting up an electronic fund transfer. Here’s a step-by-step guide for common transaction types:

For NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement):

1. Log in to your bank’s online banking portal or mobile app.
2. Navigate to the “Fund Transfer” or “Payments” section.
3. Select “Add New Beneficiary” if you haven’t transferred to this account before.
4. Enter the beneficiary’s details:
   • Beneficiary Name
   • Beneficiary Account Number (confirm twice)
   • Bank Name (Bihar Gramin Bank)
   • Branch Name (Purnahiya)
   • IFSC Code: PUNB0MBGB06
5. Once the beneficiary is added and approved, you can initiate a transfer by selecting the beneficiary, entering the amount, and choosing NEFT or RTGS.
6. Review all details carefully before confirming the transaction.

For IMPS (Immediate Payment Service):

1. Log in to your mobile banking app or internet banking.
2. Choose the “IMPS” option for fund transfers.
3. Select “Send Money to Account Number + IFSC”.
4. Enter the beneficiary’s details:
   • Beneficiary Account Number
   • IFSC Code: PUNB0MBGB06
5. Enter the amount you wish to send.
6. Verify the beneficiary’s name that appears (if available) and confirm the transaction. IMPS transactions are usually processed instantly.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your branch, and for the branches you transfer money to, offers several advantages:

• Accurate Fund Transfers: It ensures your money goes to the right bank and branch, preventing errors and delays.
• Enables Online Transactions: The IFSC code is mandatory for all electronic transfers like NEFT, RTGS, and IMPS, allowing you to send and receive money digitally.
• Faster Processing: Correct IFSC codes help banks process transactions quickly, often in real-time or within a few hours.
• Prevents Fraud: Using the correct, verified IFSC code adds a layer of security by confirming the legitimacy of the receiving branch.
• Account Verification: Many online services or payment gateways ask for the IFSC code to verify your bank account details.

Contact Information

If you need to get in touch with the Bihar Gramin Bank Purnahiya branch or the head office, here are the details:

• Purnahiya Branch Phone Number: 9297954799
• Purnahiya Branch Address: Purnahiya, SHEOHAR, 0, 9297954799
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number for Bihar Gramin Bank: 18001807777

Frequently Asked Questions

Q1: Can I use an old IFSC code from Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank for transactions?

No, you cannot. Following the merger, all old IFSC codes of Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank have been revoked. You must use the new, unified IFSC code, PUNB0MBGB06, for all transactions involving Bihar Gramin Bank branches, including Purnahiya.

Q2: Is the IFSC code PUNB0MBGB06 specific only to the Purnahiya branch?

No, the IFSC code PUNB0MBGB06 is the unified IFSC code for all branches of Bihar Gramin Bank. While the last six characters “MBGB06” identify it within the bank’s structure, the full code serves the entire Bihar Gramin Bank network under Punjab National Bank for electronic transfers.

Q3: What happens if I enter an incorrect IFSC code during a transaction?

If you enter an incorrect IFSC code, your transaction will likely fail. The bank’s system will be unable to route the funds to the intended branch, and the transaction will either be rejected immediately or returned to your account after a short delay.

Q4: How can I find the IFSC code for other Bihar Gramin Bank branches?

You can find IFSC codes for other Bihar Gramin Bank branches on the bank’s official website, through your passbook or cheque book, or by using online IFSC code lookup tools. Always verify the code before initiating a transfer.

Q5: Is an IFSC code required for cash deposits or withdrawals at the branch counter?

No, an IFSC code is not required for cash deposits or withdrawals made directly at the bank branch counter. The IFSC code is only necessary for electronic fund transfers (NEFT, RTGS, IMPS) that route money between different bank branches.