Bihar Gramin Bank RAMDIHRA IFSC Code

Bihar Gramin Bank serves the financial needs of communities in Bihar, including the area around RAMDIHRA in Rohtas. When you need to send or receive money electronically, especially for important transactions like paying bills, sending funds to family, or handling business payments, the Indian Financial System Code (IFSC) for the RAMDIHRA branch becomes essential. This unique code ensures your money reaches the correct bank and branch without delays through systems like NEFT, RTGS, and IMPS.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	RAMDIHRA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	6972
Branch Address	RAMDIHRA, Rohtas, 821312, 7070196972
Contact Number	7070196972
City	Rohtas
District	Rohtas
Reason	SASARAM
Pincode	821312
State	Bihar

Merger Update

Bihar Gramin Bank was formed through the amalgamation of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This merger means that all branches, including RAMDIHRA, now operate under a unified structure and use a single series of IFSC codes sponsored by Punjab National Bank. The IFSC code for RAMDIHRA branch, PUNB0MBGB06, reflects this consolidated identity. It is crucial to remember that any old IFSC codes previously used for UBGB or DBGB branches have been revoked. For any fund transfers to or from this branch, only the new IFSC code, PUNB0MBGB06, is valid and must be used. Using an old or incorrect code will cause your transaction to fail.

What is IFSC Code?

The IFSC Code, or Indian Financial System Code, is an 11-character alphanumeric code used to identify specific bank branches in India. It’s a critical tool for electronic fund transfers.

Here’s how the code is structured:

• The first four characters represent the bank’s name. For Bihar Gramin Bank, the code starts with PUNB because it is sponsored by Punjab National Bank.
• The fifth character is always a zero (0). This is kept as a control character for future use by the Reserve Bank of India.
• The last six characters identify the specific branch. For the RAMDIHRA branch, these are MBGB06. These characters precisely pinpoint the individual branch location for any transaction.

For example, in PUNB0MBGB06:

• PUNB identifies Punjab National Bank (the sponsor bank).
• 0 is the placeholder.
• MBGB06 identifies the RAMDIHRA branch.

How to Use IFSC Code

Using the IFSC code is a straightforward process when you’re making an online fund transfer. Here’s a step-by-step guide for common methods like NEFT, RTGS, and IMPS:

1. Log in to Your Net Banking or Mobile Banking App: Access your bank account through your computer or smartphone.
2. Select the Transfer Option: Look for options like “Fund Transfer,” “NEFT,” “RTGS,” or “IMPS.”
3. Add a New Beneficiary: If you’re sending money to someone for the first time, you’ll need to add them as a new beneficiary or payee.
4. Enter Beneficiary Details:
   • Beneficiary Name: The full name of the person or entity you are sending money to.
   • Beneficiary Account Number: The account number of the recipient. Double-check this carefully.
   • Confirm Account Number: Re-enter the account number to ensure accuracy.
   • Beneficiary Bank Name: Select “Bihar Gramin Bank.”
   • IFSC Code: Enter the correct IFSC code for the RAMDIHRA branch, which is PUNB0MBGB06.
5. Verify Details: Before confirming, carefully review all the entered information, especially the account number and IFSC code. An incorrect digit can lead to funds being sent to the wrong account.
6. Enter Amount and Remarks: Specify the amount you wish to transfer and add any remarks if needed (e.g., “Monthly Rent”).
7. Confirm Transaction: Follow your bank’s security protocols (e.g., OTP, transaction password) to complete the transfer.

The system uses the IFSC code to route your funds to the specific branch, ensuring a secure and efficient transfer.

Benefits

Knowing and using the correct IFSC code for the Bihar Gramin Bank RAMDIHRA branch offers several important benefits:

• Accurate Fund Transfers: It ensures your money goes to the right bank and the correct branch, preventing misdirected funds.
• Speed and Efficiency: IFSC codes are vital for the smooth functioning of NEFT, RTGS, and IMPS, allowing for quick processing of online transactions.
• Enhanced Security: By precisely identifying the destination branch, the IFSC code adds an extra layer of security to your financial transactions.
• Facilitates Online Banking: It is a mandatory requirement for initiating any electronic fund transfer, making digital banking services possible.
• Prevents Transaction Failures: Using the correct code helps avoid transaction rejections or delays that can occur with an incorrect IFSC.

Contact Section

• Branch Phone Number: 7070196972
• Branch Address: RAMDIHRA, Rohtas, 821312, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Q: What does IFSC stand for?
A: IFSC stands for Indian Financial System Code. It’s an 11-character code used for electronic fund transfers in India.

Q: Is the IFSC code unique to each bank branch?
A: Yes, each bank branch in India has a unique IFSC code. This uniqueness ensures that funds are routed to the precise location intended by the sender.

Q: What happens if I use an incorrect IFSC code for a transfer?
A: If you use an incorrect IFSC code, your transaction will likely fail or be rejected by the bank. The funds will not be debited from your account or will be reversed after some time. It’s crucial to always double-check the code.

Q: Can I use an old Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) IFSC code for this branch?
A: No, you cannot. Bihar Gramin Bank was formed by the merger of UBGB and DBGB. All old IFSC codes for those banks have been revoked. You must use the new, consolidated IFSC code, PUNB0MBGB06, for the RAMDIHRA branch.

Q: How can I find the IFSC code if I don’t have it?
A: You can usually find the IFSC code on your bank’s chequebook, passbook, or statement. It’s also available on the official website of Bihar Gramin Bank or through the Reserve Bank of India (RBI) website. Many banking apps and online portals also provide an IFSC search facility.