The Bihar Gramin Bank branch at Sograha is located in Begusarai district, Bihar (PIN 851112). This page lists the branch contact details and the official IFSC code you must use when sending or receiving bank transfers. The IFSC is essential for electronic fund transfers — NEFT, RTGS and IMPS — because it tells the payment system exactly which bank and branch will credit or debit the account.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Sograha |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3834 |
| Branch Address | Sograha, Begusarai, 851112, 8102926325 |
| Contact Number | 8102926325 |
| City | Begusarai |
| District | Begusarai |
| Reason | BEGUSARAI |
| Pincode | 851112 |
| State | Bihar |
Merger Update
Important: The IFSC code shown above — PUNB0MBGB06 — is the single active code used after consolidation under Punjab National Bank (PNB). Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into a unified structure and now use the PNB IFSC. Old UBGB and DBGB IFSC codes have been revoked. For any NEFT, RTGS or IMPS transfer to this branch, use only PUNB0MBGB06; transactions initiated with revoked IFSCs will fail or be returned.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alpha-numeric code that uniquely identifies a bank branch for electronic payments.
- First 4 characters – bank code (letters). Example: PUNB = Punjab National Bank.
- 5th character – reserved and set to 0 (zero).
- Last 6 characters – branch identifier (alpha-numeric). Example: in PUNB0MBGB06, MBGB06 identifies the specific branch code used by PNB for this unit.
Note: The numeric Branch Code (3834) shown in the table is an internal or alternate code used by some bank systems and for physical branch numbering. For electronic fund transfers always use the full 11-character IFSC.
How to Use IFSC Code
Use the IFSC when you set up a beneficiary in your bank’s online portal or mobile app. The steps are similar across banks:
- Select the transfer type — NEFT, RTGS or IMPS.
- Choose “Add Beneficiary” or “New Payee”.
- Enter beneficiary name exactly as on the account and the account number.
- Enter the IFSC: PUNB0MBGB06. Double-check each character; one wrong character routes the payment incorrectly.
- Fill in the branch name (Sograha) and amount. For RTGS, check your bank’s minimum amount requirement; RTGS is used for higher-value same-day transfers.
- Confirm beneficiary addition with OTP or authentication. Then initiate the transfer to that beneficiary.
- Save the beneficiary details if you will transfer again. NEFT typically has no minimum; IMPS is immediate and available 24×7 for smaller urgent transfers.
Benefits of Knowing the IFSC
- Ensures funds reach the exact bank branch and account without manual intervention.
- Required for NEFT, RTGS and IMPS — the payment system validates transactions using IFSC.
- Prevents delays and returns caused by incorrect branch identification.
- Needed when setting up electronic mandates, salary credits, or receiving online payments.
- Useful for reconciling transfers: IFSC plus MICR (800811002) helps clear cheques and identify branch in clearing systems.
Contact
Branch phone: 8102926325
Branch address: Sograha, Begusarai, Bihar, 851112
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Can I use an old UBGB or DBGB IFSC to transfer money to this branch?
A: No. Old UBGB/DBGB IFSCs have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all electronic transfers.
Q: What is the difference between IFSC and MICR?
A: IFSC is an 11-character code used for electronic transfers (NEFT/RTGS/IMPS). MICR is a 9-digit code (here 800811002) used primarily for cheque clearing and faster processing at clearing houses.
Q: I entered the wrong IFSC. What should I do?
A: Contact your bank immediately and provide transaction details. If the wrong IFSC points to a valid branch, the bank will process reversal procedures. If it pointed to a non-existent code, the transaction will usually fail and the funds will be returned.
Q: Is IFSC the only piece of information needed for a transfer?
A: No. You also need the beneficiary’s correct account number and name. Some banks ask for branch name or purpose. For highest certainty, confirm the exact account number and the IFSC PUNB0MBGB06 with the beneficiary.
Q: Which transfer mode should I use — NEFT, RTGS or IMPS?
A: Use IMPS for immediate small-value transfers outside bank hours. NEFT is suitable for ordinary transfers (settles in batches). RTGS is for high-value same-day transfers; banks may set a minimum amount for RTGS, so check with your bank before using it.
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.