Bihar Gramin Bank Thumha IFSC Code

When you need to send money to or receive money from the Bihar Gramin Bank branch in Thumha, located in the Supaul district of Bihar, a specific code becomes essential. This code is known as the Indian Financial System Code, or IFSC. It acts as a unique identifier for bank branches participating in electronic fund transfer systems across India. Whether you are using services like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), or IMPS (Immediate Payment Service), providing the correct IFSC code ensures your money reaches the intended recipient’s account accurately and quickly.

Bihar Gramin Bank Thumha Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Thumha
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100725
Branch Address	Thumha, SUPAUL, 852139
Contact Number	9297954295
City	Supaul
District	Supaul
Region	Saharsa
Pincode	852139
State	Bihar

Merger Update for Bihar Gramin Bank

The Bihar Gramin Bank is a regional rural bank that was formed through the merger of several other regional rural banks in Bihar. Specifically, Uttar Bihar Gramin Bank (UBGB), Dakshin Bihar Gramin Bank (DBGB), and Koshi Kshetriya Gramin Bank merged to form the current Bihar Gramin Bank. This new entity operates under the sponsorship of Punjab National Bank (PNB).

Because of this merger, all branches of the former UBGB and DBGB now use a standardized IFSC code structure that reflects their new identity and sponsorship. For the Thumha branch, the IFSC code PUNB0MBGB06 clearly indicates its affiliation. The “PUNB” part signifies Punjab National Bank, while “MBGB” refers to the regional rural bank structure. It is very important to note that any old IFSC codes previously used for branches under Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank are now revoked and are no longer valid for transactions. You must use the new, consolidated IFSC code, such as PUNB0MBGB06 for the Thumha branch, to ensure your fund transfers are successful.

What is an IFSC Code?

An IFSC code is an 11-character alphanumeric code that uniquely identifies every bank branch participating in electronic funds transfer systems in India. This code is crucial for digital transactions, allowing banks to route payments to the correct branch and account without error.

The 11 characters of an IFSC code are structured in a specific way:

• The first four characters represent the bank’s name. For example, “PUNB” in PUNB0MBGB06 stands for Punjab National Bank, the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always a zero (0). This character is reserved for future use and helps distinguish between different parts of the code.
• The last six characters identify the specific bank branch. In our example, “MBGB06” uniquely points to the Thumha branch within the Bihar Gramin Bank network.

How to Use the IFSC Code

Using the IFSC code is a straightforward process when you are making digital fund transfers. Here’s how you typically use it for NEFT, RTGS, or IMPS:

1. Log In: Access your net banking portal or mobile banking application.
2. Select Transfer Type: Choose the type of fund transfer you wish to make – NEFT, RTGS, or IMPS.
3. Add Beneficiary: If you haven’t transferred to this account before, you will need to add the beneficiary (the person you are sending money to). This usually involves providing their name, account number, and the bank branch’s IFSC code.
4. Enter Details: When prompted, input the beneficiary’s account number, confirm their name, and then carefully enter the IFSC code PUNB0MBGB06 for the Bihar Gramin Bank, Thumha branch.
5. Verify and Confirm: The system will often automatically display the bank and branch name once you enter the IFSC code. Verify that the displayed information matches the Thumha branch. Then, enter the amount you wish to transfer and confirm the transaction.

Always double-check the IFSC code, account number, and beneficiary name before confirming any transfer to prevent errors and ensure your funds reach the correct destination.

Benefits of Knowing the IFSC Code

Understanding and using the correct IFSC code offers several key advantages:

• Accurate Fund Transfers: The primary benefit is ensuring your money is accurately routed to the correct bank and specific branch, avoiding misdirected funds.
• Faster Transactions: IFSC codes enable quick processing of NEFT, RTGS, and IMPS transactions, allowing money to be transferred almost instantly or within a few hours.
• Enhanced Security: By uniquely identifying each branch, IFSC codes add an extra layer of security to electronic transactions, reducing the chances of fraud.
• Wider Reach: It facilitates transfers between various banks and branches across India, making it easier to send or receive money regardless of location.
• Convenience: You can conduct banking transactions from the comfort of your home or office using online platforms, eliminating the need to visit a physical bank.

Contact Information

For any queries related to the Thumha branch of Bihar Gramin Bank, you can use the following contact details:

• Branch Phone Number: 9297954295
• Branch Address: Thumha, SUPAUL, 852139, Bihar

For general inquiries or reaching the bank’s head office:

• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

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

Q2: Why does the Thumha branch’s IFSC code start with “PUNB” instead of “Bihar Gramin Bank”?
A2: Bihar Gramin Bank was formed from the merger of Uttar Bihar Gramin Bank, Dakshin Bihar Gramin Bank, and Koshi Kshetriya Gramin Bank. It operates under the sponsorship of Punjab National Bank (PNB). Therefore, its IFSC codes reflect this sponsorship by 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 transactions to the Thumha branch?
A3: No, old IFSC codes from the former UBGB or DBGB are no longer valid. Due to the merger, you must use the new, standardized IFSC code, PUNB0MBGB06, for all digital transactions to the Thumha branch.

Q4: Is the IFSC code different for NEFT, RTGS, and IMPS transactions?
A4: No, the IFSC code remains the same regardless of whether you are making an NEFT, RTGS, or IMPS transaction. The code PUNB0MBGB06 identifies the Thumha branch for all these electronic fund transfer methods.

Q5: How can I confirm the correct IFSC code if I am unsure?
A5: You can confirm the correct IFSC code by checking the bank’s official website, your bank passbook, or by contacting the Bihar Gramin Bank directly at their branch or toll-free number. Always verify the code before initiating a transfer.