The RAMPUR CHAE branch of Bihar Gramin Bank is located in the Arwal district of Bihar. For any online money transfer to an account at this branch, you need its Indian Financial System Code (IFSC). This unique 11-character code is essential for routing funds through systems like National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). The IFSC code ensures your money reaches the correct bank branch without any errors or delays.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | RAMPUR CHAE |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | MBGB06 |
| Branch Address | RAMPUR CHAE, Arwal, 804428 |
| Contact Number | 7091596938 |
| City | Arwal |
| District | Arwal |
| Region | AURANGABAD |
| Pincode | 804428 |
| State | Bihar |
Important Merger Update
Bihar Gramin Bank was formed by the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). After the amalgamation, the bank is now sponsored by Punjab National Bank (PNB). As a result of this change, all old IFSC codes belonging to the former UBGB and DBGB have been discontinued and are no longer valid.
For all transactions to the RAMPUR CHAE branch, you must use the new IFSC code, PUNB0MBGB06. Using an old or incorrect code will result in a failed or rejected transaction.
What is an IFSC Code?
The IFSC code is a unique identifier assigned to every bank branch in India that participates in electronic fund transfers. It is an 11-character alphanumeric code with a specific structure that helps direct payments accurately.
Let’s break down the IFSC code for the RAMPUR CHAE branch, PUNB0MBGB06:
- PUNB: The first four letters represent the bank. In this case, ‘PUNB’ stands for Punjab National Bank, which is the sponsor bank for Bihar Gramin Bank.
- 0: The fifth character is always a zero. It is reserved for future use by the Reserve Bank of India (RBI).
- MBGB06: The last six characters identify the specific branch. For this branch, the code is ‘MBGB06’.
How to Use the IFSC Code for Fund Transfers
Using the IFSC code for an online transfer is a straightforward process. When you add a new beneficiary (payee) in your net banking or mobile banking application, you will need to provide the following details:
- Beneficiary Name: The full name of the account holder as it appears in their bank records.
- Account Number: The recipient’s correct Bihar Gramin Bank account number.
- Bank Name: Select ‘Bihar Gramin Bank’.
- IFSC Code: Enter PUNB0MBGB06 for the RAMPUR CHAE branch.
After you enter these details, most banking systems automatically verify the branch name. Once the beneficiary is added, you can select them from your list and transfer funds using NEFT, RTGS, or IMPS.
Benefits of Using the Correct IFSC Code
- Ensures Accuracy: The primary benefit is that your money goes to the exact bank and branch you intend it to, eliminating transfer errors.
- Automates Processing: The code allows for the automated electronic processing of transactions, which makes transfers faster and more efficient.
- Reduces Transaction Failures: A valid IFSC code significantly reduces the chances of your payment being rejected or returned.
- Enables Digital Banking: It is a fundamental requirement for all major online payment systems, including NEFT, RTGS, and IMPS.
Contact Information
For direct assistance, you can reach out to the branch or the bank’s head office.
- Branch Phone Number: 7091596938
- Branch Address: RAMPUR CHAE, Arwal, Bihar – 804428
- Head Office Address: Bihar Gramin Bank, SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 18001807777
Frequently Asked Questions
What happens if I use an old IFSC code for Uttar Bihar or Dakshin Bihar Gramin Bank?
Your transaction will fail. The old codes are no longer in service after the merger. The funds will be returned to your account, but this may take some time. It is crucial to use the new ‘PUNB’ series IFSC codes.
Is the IFSC code the same for all branches of Bihar Gramin Bank?
No. Each branch of Bihar Gramin Bank has its own unique IFSC code to ensure transactions are routed correctly. The code PUNB0MBGB06 is specific to the RAMPUR CHAE branch only.
Where else can I find my branch’s IFSC code?
The IFSC code is printed on the cheque leaves issued by the bank. It is also usually printed on the first page of the account passbook. You can also confirm it by contacting the branch directly.
What is the difference between an IFSC code and a MICR code?
The IFSC code is used for online fund transfers like NEFT and RTGS. The MICR (Magnetic Ink Character Recognition) code is a 9-digit code found at the bottom of a cheque leaf and is used for the faster processing of cheques.
Can I use this IFSC code for both NEFT and RTGS transfers?
Yes, the IFSC code PUNB0MBGB06 is valid for all electronic payment methods, including NEFT, RTGS, and IMPS, for the RAMPUR CHAE branch.
Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.