Bihar Gramin Bank Reora IFSC Code

The Bihar Gramin Bank branch in Reora, located in the Samastipur district of Bihar, plays an important role for residents and businesses in the area. When you need to send money electronically, understanding the Indian Financial System Code, or IFSC code, is key. This unique code makes sure your funds go to the correct bank and branch quickly and securely. It is essential for various digital payment methods like NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service), allowing for smooth transfers across different banks.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Reora
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3906
Branch Address	Reora, Samastipur, 848117, 9955997862
Contact Number	9955997862
City	Samastipur
District	Samastipur
Reason	SAMASTIPUR
Pincode	848117
State	Bihar

Merger Update

For customers of Bihar Gramin Bank, it is important to know about a significant change. Previously, there were separate regional rural banks like Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These banks have now merged to form a single entity: Bihar Gramin Bank. As a result of this merger, all branches, including Reora, now operate under a unified IFSC code structure. The bank is sponsored by Punjab National Bank. Therefore, all transactions for Bihar Gramin Bank, Reora branch, must use the new IFSC code: PUNB0MBGB06.

This means any old IFSC codes that belonged to UBGB or DBGB are no longer valid for fund transfers. Always make sure to use the current, unified IFSC code to ensure your transactions are successful and avoid any delays or failures.

What is an IFSC Code?

An IFSC code is an 11-character alphanumeric code that helps identify individual bank branches in India. It is crucial for electronic fund transfers. Each part of the code has a specific meaning:

• The first four characters represent the bank’s name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, which sponsors Bihar Gramin Bank.
• The fifth character is always “0” (zero). This character is reserved for future use.
• The last six characters uniquely identify the specific bank branch. In PUNB0MBGB06, “MBGB06” points to the Reora branch of Bihar Gramin Bank.

This structured code ensures that money sent through online channels reaches the correct recipient account at the right branch, even if they bank with a different institution.

How to Use an IFSC Code

Using an IFSC code is straightforward when you want to transfer money electronically. Here’s a general guide for NEFT, RTGS, or IMPS transactions:

1. Log in to Your Net Banking or Mobile Banking App: Access your bank account online or through your smartphone app.
2. Navigate to Fund Transfer: Look for options like “Fund Transfer,” “Send Money,” or “Payments.”
3. Add Beneficiary (If New): If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary. This usually involves providing:
   • Beneficiary’s Name
   • Beneficiary’s Account Number
   • Confirm Beneficiary’s Account Number
   • Beneficiary’s Bank Name (e.g., Bihar Gramin Bank)
   • Beneficiary’s Branch Name (e.g., Reora)
   • The correct IFSC Code (e.g., PUNB0MBGB06)
   • Account Type (Savings, Current, etc.)
4. Initiate Transfer: Once the beneficiary is added or selected, enter the amount you wish to transfer.
5. Select Transfer Type: Choose between NEFT, RTGS, or IMPS, depending on the amount and urgency of the transfer.
6. Confirm Details: Double-check all the details, especially the account number and IFSC code, before confirming the transaction. A small error can lead to funds being sent to the wrong account.
7. Complete Transaction: Authorize the transfer using your transaction password or OTP (One-Time Password).

Benefits of Knowing Your IFSC Code

Having easy access to the correct IFSC code for your bank branch, or for someone you wish to pay, offers several advantages:

• Accurate Fund Transfers: It ensures your money reaches the intended recipient’s account at the specific branch, minimizing errors.
• Faster Transactions: IFSC codes are essential for quick electronic transfers like NEFT, RTGS, and IMPS, allowing funds to move rapidly between different banks.
• Inter-Bank Transfers: It facilitates seamless money movement between accounts held in different banks across India.
• Security: By identifying the exact branch, it adds a layer of security to digital transactions, reducing the risk of fraud or misdirection.
• Convenience: It removes the need for physical visits to the bank for money transfers, offering the convenience of online banking from anywhere.

Contact Information

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

• Branch Phone Number: 9955997862
• Branch Address: Reora, Samastipur, 848117, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

Q1: What is the exact IFSC code for Bihar Gramin Bank’s Reora branch?
A1: The IFSC code for the Bihar Gramin Bank, Reora branch, is PUNB0MBGB06.

Q2: Is Bihar Gramin Bank part of a larger banking group or sponsored by another bank?
A2: Yes, Bihar Gramin Bank is a Regional Rural Bank (RRB) sponsored by Punjab National Bank. Its IFSC code reflects this sponsorship, starting with “PUNB.”

Q3: Can I still use an old IFSC code from Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) for transfers?
A3: No, you cannot. Following the merger that formed Bihar Gramin Bank, all old IFSC codes belonging to UBGB or DBGB are revoked and no longer valid. You must use the new, unified IFSC code, such as PUNB0MBGB06, for all transactions.

Q4: What happens if I enter an incorrect IFSC code during a fund transfer?
A4: If you enter an incorrect IFSC code, the transaction will likely fail. The banking system will detect that the code does not match the beneficiary’s bank and branch details, and the transfer will not go through. It’s crucial to always double-check the IFSC code.

Q5: How can I verify an IFSC code before making a transfer?
A5: You can verify an IFSC code by checking the bank’s official website, referring to your bank’s passbook or chequebook, or by contacting the bank directly. Many online financial portals also offer IFSC lookup services, but always cross-reference with an official source for accuracy.