Bihar Gramin Bank Rampur IFSC Code

When you need to send money electronically to the Bihar Gramin Bank branch in Rampur, West Champaran, Bihar, understanding the Indian Financial System Code (IFSC) is crucial. This unique eleven-character code acts like a digital address for bank branches, ensuring that your funds are transferred accurately and securely. Whether you are using NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), or IMPS (Immediate Payment Service), the correct IFSC code is a mandatory detail that directs your transaction to the right destination. Without it, your transfer simply cannot be processed.

Branch Details

Here are the essential details for the Bihar Gramin Bank, Rampur branch:

Bank Name	Bihar Gramin Bank
Branch Name	Rampur
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100263
Branch Address	Rampur, WEST CHAMPARAN, 845105, 9297954083
Contact Number	9297954083
City	WEST CHAMPARAN
District	WEST CHAMPARAN
Reason	BETTIAH
Pincode	845105
State	Bihar

Merger Update

Bihar Gramin Bank, like many Regional Rural Banks (RRBs) in India, has undergone significant changes due to mergers and consolidations. These banks operate under the sponsorship of larger public sector banks. In this case, Bihar Gramin Bank is sponsored by Punjab National Bank (PNB). The IFSC code PUNB0MBGB06 reflects this sponsorship and the broader consolidation of regional rural banks in Bihar.

It is important to note that if there were older Regional Rural Banks in Bihar, such as Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), their individual identities and old IFSC codes have been revoked following mergers. The current, unified IFSC code PUNB0MBGB06 is now the only valid code for transactions involving such merged entities under Punjab National Bank’s sponsorship. Always ensure you use this current and correct IFSC for all your transactions to avoid any issues.

What is an IFSC Code?

The IFSC (Indian Financial System Code) is a unique 11-character alphanumeric code used for electronic fund transfers in India. It’s designed to identify each bank branch participating in the NEFT, RTGS, and IMPS networks. Understanding its structure can help you verify its authenticity:

• 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 “0” (zero). This is kept as a control character for future use.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” uniquely identifies the Rampur branch of Bihar Gramin Bank within the Punjab National Bank’s network.

This systematic structure ensures that every branch has a distinct digital address, preventing errors in money transfers.

How to Use an IFSC Code

Using the IFSC code for your electronic fund transfers is straightforward. Here are the steps you’d typically follow for NEFT, RTGS, or IMPS transactions:

1. Log in to your banking portal: Access your online banking account or mobile banking app.
2. Select the transfer type: Choose NEFT, RTGS, or IMPS, depending on the amount and urgency of your transfer.
3. Add a new beneficiary: If you haven’t sent money to this account before, you will need to add the recipient as a new beneficiary.
4. Enter beneficiary details:
   • Recipient’s full name
   • Recipient’s bank account number (confirm twice for accuracy)
   • Recipient’s bank name (Bihar Gramin Bank)
   • Recipient’s branch name (Rampur)
   • The IFSC Code: Enter PUNB0MBGB06.
5. Verify details: Double-check all entered information, especially the account number and IFSC code. A small mistake can lead to funds being transferred to the wrong account.
6. Enter amount and purpose: Specify the amount you wish to transfer and a brief description for the transaction (e.g., “Family support,” “Bill payment”).
7. Confirm and authorize: Review the final transaction summary and confirm the transfer, usually with an OTP (One-Time Password) or transaction password.

Once confirmed, the funds will be processed and sent to the Bihar Gramin Bank, Rampur branch, for credit to the recipient’s account.

Benefits of Knowing the IFSC Code

Having the correct IFSC code at hand offers several advantages:

• Accuracy: It guarantees that your money is sent to the precise bank branch you intended, reducing the risk of errors.
• Speed: It enables faster processing of electronic fund transfers like NEFT, RTGS, and IMPS, as the system can quickly identify the destination.
• Security: The unique identification helps in securing transactions by ensuring funds are directed to validated banking channels.
• Traceability: Every transaction using an IFSC code is recorded, making it easier to track funds if any issues arise.
• Convenience: It simplifies online and mobile banking, allowing you to transfer money from anywhere at any time without needing to visit a physical bank branch.

Contact Information

For any inquiries related to the Bihar Gramin Bank Rampur branch or general banking services, you can use the following contact details:

• Branch Phone Number: 9297954083
• Branch Address: Rampur, WEST CHAMPARAN, 845105
• Head Office Address (Bihar Gramin Bank): SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Punjab National Bank, sponsor of Bihar Gramin Bank): 18001807777

Frequently Asked Questions

Here are some common questions about IFSC codes and Bihar Gramin Bank:

Q1: Is the IFSC code PUNB0MBGB06 specific to the Rampur branch?
A1: Yes, the last six characters “MBGB06” specifically identify the Rampur branch of Bihar Gramin Bank within the Punjab National Bank’s system. The first four characters “PUNB” identify Punjab National Bank as the sponsoring bank.

Q2: Can I use an old IFSC code for a merged bank?
A2: No, it is critical to use only the current and valid IFSC code. Old IFSC codes for previously existing banks or branches that have merged are typically revoked and will not work for transactions. Always verify the latest IFSC code, like PUNB0MBGB06 for Bihar Gramin Bank Rampur, before initiating any transfer.

Q3: What is the difference between NEFT, RTGS, and IMPS?
A3: NEFT (National Electronic Funds Transfer) processes transactions in batches at specific times. RTGS (Real-Time Gross Settlement) processes transactions individually and continuously throughout the working day, ideal for large amounts. IMPS (Immediate Payment Service) offers instant, 24/7 fund transfers, even on holidays, suitable for smaller, urgent transfers.

Q4: What if I enter the wrong IFSC code during a transfer?
A4: If you enter an incorrect IFSC code, the transaction will likely fail and be returned to your account. However, if the incorrect IFSC code corresponds to a valid but different branch, and the account number also matches, the funds might be credited to the wrong recipient. Always double-check both the IFSC code and account number to avoid such issues.

Q5: How can I verify the IFSC code for another Bihar Gramin Bank branch?
A5: You can verify IFSC codes through several reliable sources: the bank’s official website, your bank’s mobile app, your passbook or chequebook, or by contacting the bank’s customer service. Using trusted sources ensures you have the correct and most up-to-date information.