Bihar Gramin Bank Sonwan IFSC Code

The Sonwan branch of Bihar Gramin Bank is located in the Begusarai district of Bihar. For anyone looking to send or receive money through this branch electronically, understanding its Indian Financial System Code (IFSC) is essential. This unique 11-character code is mandatory for all major online fund transfer methods, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). The IFSC code acts like a specific address, ensuring that your funds are routed correctly to the intended bank branch without any errors.

Bihar Gramin Bank, Sonwan Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Sonwan
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	MBGB06
Branch Address	Sonwan, Begusarai, Bihar – 848204
Contact Number	8102926318
City	Begusarai
District	Begusarai
Pincode	848204
State	Bihar

Important Merger Information

Previously, Bihar had two separate rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have since been merged to form a single entity, now known as Bihar Gramin Bank. This new bank is sponsored by Punjab National Bank (PNB). As a result of this merger, all old IFSC codes belonging to UBGB and DBGB branches are now invalid and have been revoked. All branches, including Sonwan, now operate under a new set of IFSC codes that start with ‘PUNB’. For any transactions to the Sonwan branch, you must use the new and valid IFSC code: PUNB0MBGB06. Using an old code will result in a failed transaction.

Understanding the IFSC Code

The IFSC code is an 11-character alphanumeric code that uniquely identifies a bank branch within the NEFT, RTGS, and IMPS networks. Its structure is designed for precision in routing financial transactions. Let’s break down the IFSC code for the Sonwan branch, PUNB0MBGB06:

• PUNB: The first four letters represent the bank’s name. 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 a control character reserved for future use by the Reserve Bank of India (RBI).
• MBGB06: The last six characters form the branch identifier. This part of the code is unique to the Sonwan branch and distinguishes it from all other branches.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for an online money transfer is a straightforward process. Whether you are using a mobile banking app or a web portal, the steps are generally the same.

1. Log In: Access your internet banking account or mobile banking application.
2. Add Payee: Navigate to the ‘Fund Transfer’ section and select the option to ‘Add a New Beneficiary’ or ‘Payee’.
3. Enter Details: You will be prompted to enter the recipient’s account details. This includes their full name, bank account number, and the branch’s IFSC code. For the Sonwan branch, you would enter PUNB0MBGB06.
4. Select Transfer Type: Choose your preferred method of transfer—NEFT, RTGS, or IMPS—based on the amount and urgency of the transaction.
5. Confirm and Authenticate: Enter the amount you wish to transfer, review all the details for accuracy, and authenticate the transaction using your password or a one-time password (OTP).

Always double-check the account number and IFSC code before confirming the transfer to avoid any errors.

Why the IFSC Code is Important

• Ensures Accuracy: It directs your money to the exact bank and branch, eliminating the risk of it being sent to the wrong location.
• Enables Digital Payments: The code is a fundamental requirement for all major digital fund transfer systems in India.
• Reduces Errors: By uniquely identifying each branch, the IFSC system minimizes manual intervention and reduces the chances of human error during transaction processing.
• Speeds Up Transactions: The code allows for automated processing, which makes fund transfers faster and more efficient.

Contact and Support

For any questions or assistance related to your account at the Sonwan branch, you can use the following contact details.

Branch Contact Information
Phone: 8102926318
Address: Sonwan, Begusarai, Bihar – 848204

Head Office Information
Toll-Free Number: 18001807777
Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar

Frequently Asked Questions

Why does the Bihar Gramin Bank IFSC code start with ‘PUNB’?
The IFSC code starts with ‘PUNB’ because Bihar Gramin Bank is sponsored by Punjab National Bank (PNB). After the merger of UBGB and DBGB, the new unified bank adopted the IFSC structure of its sponsor bank.

Can I still use an old Dakshin Bihar Gramin Bank (DBGB) IFSC code?
No. All old IFSC codes associated with the former Dakshin Bihar Gramin Bank and Uttar Bihar Gramin Bank are now invalid. You must use the new code, PUNB0MBGB06, for all transactions to the Sonwan branch.

What happens if I enter the wrong IFSC code?
If you enter an incorrect IFSC code, the transaction will likely be rejected and the money will be credited back to your account within a few hours or days. In rare cases, if the code corresponds to another valid branch, the funds might be misdirected, so it is crucial to verify the code before confirming a payment.

Is the IFSC code the same for all branches of Bihar Gramin Bank?
No. While the first four letters (‘PUNB’) are the same for all branches, the last six characters are unique to each specific branch. For example, the code for the Sonwan branch (MBGB06) is different from the code for any other branch.

Where can I find the IFSC code for my branch?
You can find the IFSC code printed on your bank-issued chequebook and passbook. It is also available on the bank’s official website or by contacting your branch directly.