Bihar Gramin Bank Ramjanpur IFSC Code

The Bihar Gramin Bank branch in Ramjanpur, located in Sheikhpura district, Bihar, serves as a vital financial hub for the local community. For any electronic fund transfers like NEFT, RTGS, or IMPS, understanding and using the correct Indian Financial System Code, or IFSC, is essential. This unique 11-character code ensures that your money reaches the right bank and branch quickly and securely, preventing any delays or errors in your transactions.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Ramjanpur
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3311
Branch Address	Ramjanpur, Sheikhpura, 811101, 8102918600
Contact Number	8102918600
City	Sheikhpura
District	Sheikhpura
Reason	NAWADA
Pincode	811101
State	Bihar

Merger Update

Bihar Gramin Bank itself was formed from the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) on January 1, 2019. Following this merger, all branches of the combined entity, including the Ramjanpur branch, now operate under a single, unified IFSC code: PUNB0MBGB06. This new code is sponsored by Punjab National Bank.

It is important to note that any old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are no longer valid for fund transfers. You must use only PUNB0MBGB06 for all your NEFT, RTGS, and IMPS transactions with Bihar Gramin Bank branches, including Ramjanpur. Using an outdated code will result in transaction failure.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies every bank branch participating in online fund transfers. This code is crucial for directing your money to the exact recipient branch.

The structure of an IFSC code follows a specific pattern:

• The first four characters represent the bank name. For our example, “PUNB” stands for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
• The fifth character is always a “0” (zero). This character is reserved for future use and acts as a control digit.
• The last six characters identify the specific branch. In “PUNB0MBGB06”, “MBGB06” identifies the Ramjanpur branch of Bihar Gramin Bank.

How to Use an IFSC Code

Using the IFSC code is a straightforward process when you are making electronic fund transfers. Here are the steps for NEFT, RTGS, and IMPS:

1. Log in to your Net Banking or Mobile Banking app: Access your bank account through your preferred digital platform.
2. Select the type of transfer: Choose whether you want to initiate a NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), or IMPS (Immediate Payment Service) transaction.
3. Add a new beneficiary (payee): If you haven’t transferred money to this person before, you will need to add them as a new beneficiary.
4. Enter beneficiary details: You will typically need the following information for the person receiving the money:
   • Beneficiary’s Name
   • Beneficiary’s Bank Name (Bihar Gramin Bank)
   • Beneficiary’s Account Number
   • Beneficiary’s Branch Name (Ramjanpur)
   • The IFSC Code of the beneficiary’s branch (PUNB0MBGB06)
5. Confirm and transfer: Double-check all the details, especially the account number and IFSC code, to avoid any errors. Enter the amount you wish to send and confirm the transaction.

For NEFT, funds are transferred in batches. RTGS transactions are processed individually and in real-time, typically for larger amounts. IMPS allows for immediate transfers, even on holidays, usually for smaller to medium amounts.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code offers several important advantages for financial transactions:

• Ensures Accuracy: The unique code guarantees that your funds are directed to the specific bank and branch of the recipient, reducing the risk of money going to the wrong account.
• Speeds Up Transfers: For NEFT, RTGS, and IMPS, the IFSC code is essential for quick processing. It helps the banking system efficiently route the money.
• Facilitates Online Banking: Without an IFSC code, digital fund transfers would be much more complex, if not impossible. It’s a cornerstone of modern online banking.
• Standardized System: The IFSC code provides a uniform system across all banks in India, making inter-bank transfers smooth and reliable.
• Prevents Errors: By requiring a specific branch code, it acts as an additional layer of verification, minimizing manual errors that could occur with just account numbers and bank names.

Contact Section

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

• Ramjanpur Branch Phone Number: 8102918600
• Ramjanpur Branch Address: Ramjanpur, Sheikhpura, 811101, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Here are some frequently asked questions about the Bihar Gramin Bank Ramjanpur branch and its IFSC code:

Q1: What is the IFSC code for Bihar Gramin Bank Ramjanpur branch?
A1: The IFSC code for the Bihar Gramin Bank Ramjanpur branch is PUNB0MBGB06.

Q2: Is the old IFSC code for Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank still valid for the Ramjanpur branch?
A2: No, following the merger of UBGB and DBGB into Bihar Gramin Bank, all old IFSC codes are revoked. You must use the new unified code, PUNB0MBGB06, for all transactions.

Q3: How can I confirm the IFSC code for my Bihar Gramin Bank branch?
A3: You can find the IFSC code on your bank passbook, cheque book, or by visiting the official website of Bihar Gramin Bank (or its sponsor bank, Punjab National Bank). You can also contact your branch directly.

Q4: What should I do if I enter the wrong IFSC code during a transaction?
A4: If you enter an incorrect IFSC code, the transaction will most likely fail and the funds will not be debited from your account. If the transaction somehow goes through with an incorrect but valid IFSC code, the funds might go to the wrong account. In such cases, contact your bank immediately to try and reverse the transaction.

Q5: Can I transfer money using just the account number and bank name without the IFSC code?
A5: For most electronic fund transfers (NEFT, RTGS, IMPS) in India, the IFSC code is a mandatory field. Without it, your online transfer request will not be processed. It ensures accuracy and helps the banking system route your money correctly.