Bihar Gramin Bank Simraha IFSC Code

Simraha is a village branch of Bihar Gramin Bank in Araria district, Bihar (PIN 854318). The branch serves local farmers, small businesses and residents for deposits, withdrawals and fund transfers. For electronic transfers—NEFT, RTGS and IMPS—the IFSC code is essential. It tells the payment system which bank and which branch should receive the funds. Using the correct IFSC ensures money is routed quickly and avoids failed or delayed transactions.

Branch Details

Merger Update

Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were regional rural banks sponsored by Punjab National Bank. These entities have been consolidated under a single banking setup and now use the IFSC code PUNB0MBGB06 under Punjab National Bank for electronic transfers. Old IFSC codes issued to UBGB or DBGB branches are revoked. For any NEFT, RTGS or IMPS transfer to a former UBGB/DBGB branch, use PUNB0MBGB06 only. Transactions using old, revoked IFSCs will fail or be returned.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character code used to identify bank branches in electronic payments. The structure is:

• First 4 characters — alphabetic bank identifier (example: PUNB indicates Punjab National Bank).
• 5th character — reserved and is always 0.
• Last 6 characters — branch identifier. These can be numeric or alphanumeric and point to a specific branch (example: MBGB06 in PUNB0MBGB06).

How to Use IFSC Code for NEFT, RTGS and IMPS

1. Open your bank’s netbanking or mobile app and choose “Fund Transfer” or “Add Beneficiary”.
2. Enter beneficiary name and account number exactly as given by the recipient.
3. Enter the IFSC code PUNB0MBGB06 for Bihar Gramin Bank, Simraha branch.
4. Select the transfer mode: NEFT, RTGS or IMPS. Choose RTGS for high-value urgent transfers (check your bank’s RTGS minimum limit). IMPS is instant and available round-the-clock subject to bank limits.
5. Enter the amount and purpose. Verify all details on screen.
6. Authenticate the transfer using OTP, token or PIN as required by your bank.
7. Save the beneficiary if you will pay this account again. Confirm the beneficiary if your bank requires an activation waiting period.

Note: If you enter an incorrect IFSC, the payment may route to the wrong branch or fail. Always double-check the IFSC and account number before confirming.

Benefits of Knowing the IFSC

• Ensures correct routing of NEFT, RTGS and IMPS transfers to the intended branch.
• Prevents transaction failures and delays caused by wrong branch identifiers.
• Makes it faster to add beneficiaries in netbanking or mobile apps.
• Helps bank staff and customers confirm branch identity when reconciling payments.
• Useful for receiving electronic credits like salaries, refunds and government payments.

Contact

Branch Phone No: 9297954383
Branch Address: Simraha, ARARIA, 854318
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777

FAQs

• Q: How do I confirm the correct IFSC for Simraha branch?

  A: Use the IFSC printed on your cheque leaf or passbook. You can also call the branch at 9297954383 or use the branch address and head office details to confirm. For the Simraha branch the valid IFSC is PUNB0MBGB06.

• Q: What happens if I enter the wrong IFSC but the right account number?

  A: If the IFSC points to a different bank/branch, the transfer may fail or get returned. If the IFSC belongs to the same bank and the account number matches an existing account, the funds may still be credited. Always verify both IFSC and account number.

• Q: Is IFSC the same as MICR?

  A: No. IFSC identifies the branch for electronic transfers. MICR (Magnetic Ink Character Recognition) is a 9-digit code used primarily for processing cheques. For Simraha, the MICR is 800811002.

• Q: Can the IFSC change for this branch?

  A: IFSC can change if the bank reorganizes branches, merges banks, or re-codes branches. In the case of UBGB/DBGB consolidation, old IFSCs were revoked and replaced by PUNB0MBGB06. Always confirm before making large transfers.

• Q: Are NEFT, RTGS and IMPS available for this branch?

  A: Yes. Electronic transfers to and from the Simraha branch use the IFSC PUNB0MBGB06. IMPS is suited for instant small-value transfers. RTGS is used for high-value immediate transfers (check your bank’s minimum for RTGS). NEFT is appropriate for routine transfers.

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.