Bihar Gramin Bank Tribeniganj IFSC Code

Understanding your bank’s IFSC code is key for smooth and secure money transfers. For those banking with Bihar Gramin Bank, specifically at the Tribeniganj branch in SUPAUL, Bihar, knowing this unique identifier is crucial for sending or receiving funds through modern digital channels. Whether you’re making an NEFT, RTGS, or IMPS transaction, the IFSC code acts like an address, guiding your money to the correct bank and branch without any detours. Let’s delve into the specifics of this branch.

Branch Details Table

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

Bank Name	Bihar Gramin Bank
Branch Name	Tribeniganj
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100835
Branch Address	Tribeniganj, SUPAUL, 852220, Bihar
Contact Number	9297954297
City	SUPAUL
District	SUPAUL
Region	SAHARSA
Pincode	852220
State	Bihar

Merger Update

It’s important to understand the background of Bihar Gramin Bank’s IFSC codes. Previously, there were regional rural banks like Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) operating in Bihar. These banks have since undergone a significant merger process. The resulting unified entity, or banks under a similar structure, now operate with a consolidated framework, often sponsored by larger public sector banks like Punjab National Bank.

For the Tribeniganj branch, and indeed for many branches under this new setup, the IFSC code is PUNB0MBGB06. This code reflects Punjab National Bank (PUNB) as the sponsor bank. This means that any older IFSC codes previously used by UBGB or DBGB branches are now revoked and are no longer valid for transactions. Always use the new, unified IFSC code PUNB0MBGB06 for all your financial transfers involving the Tribeniganj branch of Bihar Gramin Bank.

What is IFSC Code?

The IFSC, or Indian Financial System Code, is an 11-character alphanumeric code used to identify all bank branches in India. It’s designed by the Reserve Bank of India (RBI) to ensure that electronic fund transfers are directed to the correct bank and branch.

Here’s how the PUNB0MBGB06 code breaks down:

• The first four characters represent the bank name. In this case, PUNB stands for Punjab National Bank, indicating 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 old and new codes. It’s a control character.
• The last six characters identify the specific branch. For Tribeniganj, MBGB06 uniquely identifies this particular branch.

This unique structure guarantees that when you initiate a transaction, your money reaches the exact intended destination within the banking system.

How to Use IFSC Code

Using the IFSC code is a straightforward process when you’re making electronic fund transfers. Here’s how it works for the most common methods:

For NEFT (National Electronic Funds Transfer):

1. Log in to your online banking portal or mobile app.
2. Select the “NEFT” option for fund transfer.
3. Add a new beneficiary or select an existing one.
4. Enter the beneficiary’s bank account number.
5. Carefully input the beneficiary’s bank’s IFSC code (PUNB0MBGB06 for Bihar Gramin Bank Tribeniganj).
6. Enter the amount you wish to transfer.
7. Confirm the details and complete the transaction.

For RTGS (Real Time Gross Settlement):

1. Access your bank’s online platform or visit a branch.
2. Choose the “RTGS” option for high-value transfers (typically above INR 2 lakhs).
3. Provide the beneficiary’s name, account number, and bank name.
4. Input the correct IFSC code (PUNB0MBGB06).
5. Specify the amount.
6. Review all information before confirming the transfer.

For IMPS (Immediate Payment Service):

1. Open your mobile banking app.
2. Select “IMPS” for instant fund transfers.
3. You might need either the beneficiary’s account number and IFSC or their mobile number and MMID (Mobile Money Identifier).
4. If using account number, enter the beneficiary’s account number and the IFSC code (PUNB0MBGB06).
5. Enter the amount.
6. Confirm the details for an immediate transfer.

Always double-check the IFSC code, account number, and beneficiary name to avoid any transfer errors. A single wrong digit could send your money to the wrong account.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch, like PUNB0MBGB06 for Bihar Gramin Bank Tribeniganj, offers several practical advantages:

• Accurate Fund Transfers: It ensures your money reaches the exact intended bank and branch, minimizing the risk of transfers getting lost or delayed due to incorrect routing.
• Faster Processing: Correct IFSC codes facilitate quicker processing of NEFT, RTGS, and IMPS transactions, especially for time-sensitive payments.
• Enhanced Security: It adds an extra layer of verification, ensuring that funds are directed through authorized channels to legitimate bank branches.
• Seamless Online Transactions: Essential for setting up beneficiaries for online banking and mobile banking, making future transfers easier and more efficient.
• Multiple Transfer Options: Enables access to various electronic payment methods like NEFT, RTGS, and IMPS, offering flexibility in how you send and receive money.

Contact Information

If you need to get in touch with Bihar Gramin Bank, here are the relevant contact details:

• Tribeniganj Branch Phone Number: 9297954297
• Tribeniganj Branch Address: Tribeniganj, SUPAUL, 852220, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

FAQs

Here are some frequently asked questions about the Bihar Gramin Bank Tribeniganj IFSC code:

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

Q2: Is the old IFSC code still valid for Bihar Gramin Bank branches that were part of previous regional rural banks?
A2: No, due to mergers and consolidation, any old IFSC codes previously used by regional rural banks like Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) are now revoked. You must use the new, unified IFSC code, such as PUNB0MBGB06, for all transactions.

Q3: Why is the fifth character of the IFSC code always zero?
A3: The fifth character is a control character, always a zero (0), reserved for future use. It helps maintain a standard format for all IFSC codes and is crucial for the internal processing of transactions.

Q4: Can I transfer money without an IFSC code?
A4: For electronic fund transfers like NEFT, RTGS, and IMPS, an IFSC code is mandatory to identify the specific beneficiary bank branch. While some limited peer-to-peer transfers via UPI might not explicitly ask for an IFSC, it’s typically operating in the background. For standard bank-to-bank transfers, it’s essential.

Q5: What is the primary difference between NEFT and RTGS?
A5: The main difference lies in the settlement time and amount limits. NEFT transactions are processed in batches on an hourly basis and are suitable for any amount. RTGS, on the other hand, provides real-time, gross settlement for individual transactions, meaning funds are transferred immediately. RTGS is primarily used for high-value transactions, typically above INR 2 lakhs.