Bihar Gramin Bank Zeromile IFSC Code

The Zeromile branch of Bihar Gramin Bank is located in Araria, Bihar. For any online money transfer to this branch, you need a specific code called the Indian Financial System Code (IFSC). This 11-character code is essential for directing funds accurately through systems like National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). Without the correct IFSC code, your transaction could be delayed or even rejected.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Zeromile
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	MBGB06
Branch Address	Zeromile, ARARIA, 854311, 9297954386
Contact Number	9297954386
City	ARARIA
District	ARARIA
Pincode	854311
State	Bihar

Important Merger Update

Bihar Gramin Bank was formed through the merger of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This new entity is sponsored by Punjab National Bank (PNB). As a result of this amalgamation, all old IFSC codes belonging to UBGB and DBGB branches are now invalid and have been discontinued.

For all transactions, you must use the new IFSC code format, which starts with ‘PUNB’ to reflect the sponsor bank. For the Zeromile branch, the only valid code is PUNB0MBGB06. Using an old code will cause your fund transfer to fail.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in the electronic funds transfer network. The code has a specific structure that helps route transactions to the correct destination.

Let’s break down the Zeromile branch code, PUNB0MBGB06:

• PUNB: The first four letters represent the bank. In this case, it signifies Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
• 0: The fifth character is always a zero. It is reserved for future regulatory use.
• MBGB06: The last six characters identify the specific branch. For this branch, it is ‘MBGB06’.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for an online money transfer is a straightforward process. When you initiate a transaction using your mobile banking app or internet banking portal, you will be asked for the beneficiary’s details. Here’s what you typically need to provide:

1. Beneficiary’s Name: The full name of the person or entity you are sending money to, as it appears on their bank account.
2. Beneficiary’s Account Number: The specific account number of the recipient at the Zeromile branch.
3. Bank Name: Bihar Gramin Bank.
4. IFSC Code: Enter PUNB0MBGB06 to identify the Zeromile branch.

Double-checking these details, especially the account number and IFSC code, is crucial to ensure the money reaches the intended recipient without any issues.

Benefits of Using the Correct IFSC Code

• Transaction Accuracy: The code ensures that your funds are routed directly to the correct bank branch, eliminating errors.
• Faster Processing: Correct IFSC codes enable automated systems to process NEFT, RTGS, and IMPS transactions quickly and efficiently.
• Prevents Failed Transfers: Using the right code prevents the transaction from being rejected or reversed due to incorrect branch information.
• Enhanced Security: The unique code adds a layer of verification, confirming that the account number belongs to the intended branch.

Contact Information

For any queries or assistance, you can contact the branch or the bank’s head office directly.

• Branch Phone Number: 9297954386
• Branch Address: Zeromile, ARARIA, Bihar – 854311
• Head Office Address: Bihar Gramin Bank, SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

1. What is the correct IFSC code for the Bihar Gramin Bank Zeromile branch?
The correct and current IFSC code is PUNB0MBGB06. Make sure to use this for all your online transactions.

2. Why does the IFSC code for Bihar Gramin Bank start with ‘PUNB’?
Bihar Gramin Bank is sponsored by Punjab National Bank (PNB). The ‘PUNB’ prefix reflects this sponsorship and is part of the standardized IFSC format for all branches of Bihar Gramin Bank after the merger.

3. Can I still use my old Uttar Bihar Gramin Bank (UBGB) IFSC code?
No. All IFSC codes from the former Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank are now invalid. You must use the new codes starting with ‘PUNB’ to avoid transaction failure.

4. What is the difference between an IFSC code and a MICR code?
The IFSC code is used for online fund transfers like NEFT and RTGS. The MICR (Magnetic Ink Character Recognition) code is a 9-digit code found at the bottom of a cheque leaf and is used for faster processing of cheques.

5. What should I do if I enter the wrong IFSC code?
If the IFSC code you entered does not exist, the transaction will likely be rejected, and the money will be credited back to your account. However, if the wrong IFSC code corresponds to another branch and the account number also exists there, the funds could be sent to the wrong account. It is always best to double-check the code before confirming the transaction.