Bihar Gramin Bank Warisnagar IFSC Code

The Bihar Gramin Bank branch in Warisnagar, located in the Samastipur district of Bihar, serves as a crucial hub for financial services in the region. For anyone looking to transfer funds electronically to or from this branch, understanding the Indian Financial System Code, or IFSC, is essential. The IFSC acts as a unique identifier for bank branches across India, making sure that your money reaches the correct recipient through systems like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service).

Bihar Gramin Bank Warisnagar Branch Details

Below are the specific details for the Bihar Gramin Bank branch in Warisnagar:

Bank Name	Bihar Gramin Bank
Branch Name	Warisnagar
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3940
Branch Address	Warisnagar, Samastipur, 848133, 9955997846
Contact Number	9955997846
City	Samastipur
District	Samastipur
Reason	SAMASTIPUR
Pincode	848133
State	Bihar

Merger Update for Bihar Gramin Bank

Bihar Gramin Bank was formed through the merger of two prominent regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This consolidation has streamlined banking operations and standardized the IFSC codes for all branches under the new entity. All branches, including Warisnagar, now operate under the unified IFSC code PUNB0MBGB06. This code signifies its association with Punjab National Bank, which is the sponsor bank for Bihar Gramin Bank.

It is crucial for customers to note that any old IFSC codes previously associated with Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank have been revoked. For any electronic fund transfers to or from the Warisnagar branch or any other Bihar Gramin Bank branch, only the new IFSC code PUNB0MBGB06 is valid. Using an outdated code will lead to transaction failure.

What is an IFSC Code?

The IFSC Code, or Indian Financial System Code, is an 11-character alphanumeric code that uniquely identifies every bank branch in India participating in electronic funds transfers. It’s designed to ensure that funds are routed to the correct branch without error.

The structure of the IFSC code is straightforward:

• The first four characters represent the bank name. For PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
• The fifth character is always a zero (0). This character is reserved for future use and currently acts as a control digit.
• The last six characters uniquely identify the specific branch. In our example, “MBGB06” identifies the Warisnagar branch of Bihar Gramin Bank.

Knowing this structure helps you quickly identify the bank and branch an IFSC code belongs to.

How to Use the IFSC Code

Using the IFSC code is a standard part of any online or mobile banking transaction that involves transferring money between different banks. Here’s how it generally works for NEFT, RTGS, and IMPS:

1. Log in to your banking portal: Access your bank’s net banking website or mobile banking application.
2. Select the transfer type: Choose the option for fund transfer, then select either NEFT, RTGS, or IMPS, depending on the urgency and amount.
3. Add a new beneficiary: If you are sending money to someone for the first time, you will need to add them as a beneficiary. This usually requires their name, account number, account type (savings or current), and the IFSC code of their bank branch.
4. Enter the IFSC Code: Carefully input PUNB0MBGB06 for the Bihar Gramin Bank Warisnagar branch. Double-check for any typos.
5. Enter transaction details: Input the amount you wish to transfer and any remarks.
6. Confirm and authenticate: Review all the details, then confirm the transaction using your password or OTP (One Time Password).

The system uses the IFSC code to correctly identify the recipient’s bank and branch, ensuring the funds are credited to the right account.

Benefits of Knowing the IFSC Code

Having the correct IFSC code at hand offers several practical advantages:

• Ensures accurate fund transfers: It guarantees that your money goes to the intended recipient’s bank branch, preventing misdirected transactions.
• Facilitates quick transactions: Correct IFSC codes help NEFT, RTGS, and IMPS transactions process smoothly and quickly.
• Prevents transaction failures: Using the right code avoids delays or rejections of your online fund transfers.
• Essential for online banking: It is a mandatory piece of information for setting up beneficiaries and executing inter-bank transactions.
• Identifies specific branches: The code uniquely identifies a particular branch, which is especially helpful in urban areas with multiple branches of the same bank.

Contact Information

For inquiries related to the Warisnagar branch or Bihar Gramin Bank, you can use the following contact details:

• Warisnagar Branch Phone Number: 9955997846
• Warisnagar Branch Address: Warisnagar, Samastipur, 848133
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

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

Q1: Can I use an old Uttar Bihar Gramin Bank (UBGB) IFSC code for a transaction?
A1: No, you cannot. Following the merger, all old UBGB and DBGB IFSC codes have been revoked. You must use the new unified IFSC code, PUNB0MBGB06, for all transactions involving Bihar Gramin Bank branches, including Warisnagar.

Q2: What is the full form of IFSC?
A2: IFSC stands for Indian Financial System Code.

Q3: What should I do if my transaction fails due to an incorrect IFSC code?
A3: If your transaction fails, it’s likely due to an incorrect or outdated IFSC code. You should re-check the IFSC code, ensure you are using PUNB0MBGB06 for the Warisnagar branch, and try the transaction again. If issues persist, contact the branch directly or the bank’s customer service.

Q4: Is Bihar Gramin Bank a government bank?
A4: Bihar Gramin Bank is a Regional Rural Bank (RRB) jointly owned by the Government of India, the Government of Bihar, and Punjab National Bank (its sponsor bank). While it has government backing, it operates as a distinct entity.

Q5: Where can I find the IFSC code for other Bihar Gramin Bank branches?
A5: You can typically find the IFSC code on your cheque book, bank passbook, or by visiting the official website of Bihar Gramin Bank or Punjab National Bank. Most banks also provide an IFSC lookup tool on their online banking portals.