Bihar Gramin Bank RO AURANGABAD IFSC Code

The RO AURANGABAD branch of Bihar Gramin Bank is located in Aurangabad, Bihar. For any online fund transfers to an account in this branch, you need its unique Indian Financial System Code (IFSC). This 11-character code is essential for directing transactions through systems like National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). The IFSC acts like a specific address, ensuring your money reaches the correct bank branch without errors or delays.

Branch Details

Merger and IFSC Update

It is important to understand that Bihar Gramin Bank was formed by the merger of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this amalgamation, the banking operations are now sponsored by Punjab National Bank (PNB).

As a result, the old IFSC codes previously used by Dakshin Bihar Gramin Bank and Uttar Bihar Gramin Bank are no longer valid. All those codes have been revoked. For all electronic fund transfers to Bihar Gramin Bank accounts, you must use the new IFSC code, which starts with ‘PUNB’ to reflect the sponsorship by Punjab National Bank. The code PUNB0MBGB06 is the valid, centralized code for this branch. Using an old, invalid code will cause your transaction to fail.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify every bank branch participating in the country’s electronic payment system. It has a specific structure that helps route transactions correctly.

Let’s break down the IFSC code PUNB0MBGB06:

• PUNB: The first four alphabetic characters represent the bank’s name. In this case, it stands for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
• 0: The fifth character is always a zero. It is reserved for future use by the RBI.
• MBGB06: The last six characters identify the specific bank branch. For Bihar Gramin Bank, this part of the code is often used to identify a centralized processing center or a specific region after the merger.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code is a straightforward part of any online money transfer. Whether you are using a mobile banking app or an internet banking portal, the steps are generally the same.

1. Log in to your net banking or mobile banking application.
2. Navigate to the ‘Fund Transfer’ or ‘Payments’ section. Select the payment method (NEFT, RTGS, or IMPS).
3. Add a Beneficiary. You will need to add the recipient’s account details.
4. Enter the beneficiary’s name, account number, and the bank name.
5. Carefully enter the IFSC code: PUNB0MBGB06.
6. After the beneficiary is added (which may require a cooling period), you can initiate the transfer by entering the amount and confirming the transaction.

Benefits of Using the Correct IFSC Code

• Accurate Routing: The primary benefit is ensuring your money is sent to the exact intended bank branch, eliminating guesswork.
• Error Prevention: It significantly reduces the risk of failed transactions or funds being sent to the wrong account.
• Faster Processing: The unique code allows for automated processing of transactions, which speeds up NEFT, RTGS, and IMPS payments.
• Enhanced Security: By verifying the branch, the IFSC adds a layer of confirmation that helps secure the transaction process.

Contact Information

For direct assistance or queries, you can reach out to the branch or the head office.

• Branch Contact Number: 9771446151
• Branch Address: RO AURANGABAD, Aurangabad, Bihar – 802401
• Head Office Address: Bihar Gramin Bank, Shri Vishnu Commercial Complex, Asochak, Patna, Bihar – 800030
• Toll-Free Number: 1800-180-7777

Frequently Asked Questions

Why does the Bihar Gramin Bank IFSC code start with ‘PUNB’?

Bihar Gramin Bank is sponsored by Punjab National Bank (PNB). The RBI assigns IFSC codes based on the sponsor bank, which is why the code begins with ‘PUNB’. This indicates that PNB manages the central payment gateway for Bihar Gramin Bank.

Can I still use my old Dakshin Bihar Gramin Bank IFSC code?

No. All IFSC codes belonging to the former Dakshin Bihar Gramin Bank and Uttar Bihar Gramin Bank are now invalid. You must use the new codes assigned after the merger to ensure your transactions are processed.

What happens if I enter the wrong IFSC code?

If the IFSC code you enter does not exist, the transaction will be rejected immediately by your bank. If the code exists but does not match the beneficiary’s bank branch, the transaction may be rejected by the receiving bank. In most cases, the money is automatically reversed to your account within a few business hours or days.

Is PUNB0MBGB06 the IFSC code for every Bihar Gramin Bank branch?

While many branches now use centralized IFSC codes after the merger, it’s not universal for every single branch. You should always verify the specific IFSC for the branch you are sending money to. However, for the RO AURANGABAD branch, PUNB0MBGB06 is the correct code.

Where can I find the correct IFSC code for a bank branch?

The most reliable sources are the bank-issued passbook and chequebook. You can also find it on the bank’s official website or by contacting the branch directly.

Kriti Kumari

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.