Bihar Gramin Bank Sangalbahita IFSC Code

The Sangalbahita branch of Bihar Gramin Bank is located in the Bhagalpur district of Bihar. For anyone looking to send or receive money online to an account at this branch, the Indian Financial System Code (IFSC) is essential. This unique 11-character code identifies the specific bank branch involved in digital transactions, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). Using the correct IFSC code ensures that funds are routed quickly and accurately to the intended recipient’s account.

Branch Details

Important Merger Update

Previously, banking services in the region were provided by two separate entities: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These banks have since been amalgamated. The former Bihar Gramin Bank is now part of the new entity, Dakshin Bihar Gramin Bank, which is sponsored by Punjab National Bank (PNB).

As a result of this merger, all old IFSC codes belonging to the previous banks are now invalid. For any online transaction to the Sangalbahita branch, you must use the new IFSC code: PUNB0MBGB06. Using an old, revoked code will cause your transaction to fail.

What is an IFSC Code?

An IFSC code is a unique 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch in the country. It helps identify the specific branch in an electronic fund transfer. The code has a specific structure that helps route payments correctly.

Let’s break down the IFSC code PUNB0MBGB06:

• PUNB: The first four characters represent the bank’s name. In this case, ‘PUNB’ stands for Punjab National Bank, the sponsor bank of Dakshin Bihar Gramin Bank.
• 0: The fifth character is always a zero. It is reserved for future use.
• MBGB06: The last six characters identify the specific branch. For the Sangalbahita branch, this code is ‘MBGB06’.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for online banking is straightforward. Whether you are using a mobile banking app or an internet banking portal, the steps are generally the same for NEFT, RTGS, or IMPS transactions.

1. Log in to your net banking account or mobile banking application.
2. Navigate to the ‘Fund Transfer’ or ‘Payments’ section.
3. Select the type of transfer you wish to make (NEFT, RTGS, IMPS).
4. Add a new beneficiary (payee). You will be prompted to enter the recipient’s details.
5. Enter the beneficiary’s name, account number, account type, and the bank’s IFSC code: PUNB0MBGB06.
6. Double-check all the details for accuracy and confirm. Once the beneficiary is added, you can initiate the fund transfer by entering the amount and your transaction password or OTP.

Benefits of Using the Correct IFSC Code

Knowing and using the correct IFSC code is crucial for several reasons:

• Transaction Accuracy: It ensures that your money is sent to the exact bank branch and account you intend, eliminating errors.
• Faster Processing: Correct codes allow for automated processing of transactions, which speeds up the entire fund transfer process.
• Error Prevention: The banking system will flag an invalid IFSC code, preventing the transaction from being processed and protecting your funds from being sent to the wrong place.
• Mandatory Requirement: It is a mandatory field for all major online fund transfer systems in India, including NEFT, RTGS, and IMPS.

Contact Information

For any questions or direct assistance, you can contact the bank through the following channels:

• Sangalbahita Branch Phone Number: 7061502718
• Sangalbahita Branch Address: Sangalbahita, Bhagalpur, Bihar – 813203
• Dakshin Bihar Gramin Bank Head Office: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

Can I still use my old Bihar Gramin Bank IFSC code?

No. After the merger and formation of Dakshin Bihar Gramin Bank, all old IFSC codes were deactivated. You must use the new code, PUNB0MBGB06, for the Sangalbahita branch.

Is the IFSC code the same for all Dakshin Bihar Gramin Bank branches?

No. While the first four letters (PUNB) might be the same as they indicate the sponsor bank, the last six characters are unique to each branch. Always verify the specific code for the branch you are transacting with.

What happens if I enter the wrong IFSC code?

If the code you enter does not exist, the transaction will be rejected immediately. If the code exists but belongs to a different branch, the funds may be credited to an account at that branch. The transaction might also be returned to your account after a delay.

Why does the IFSC code start with ‘PUNB’ for a Bihar Gramin Bank branch?

The code starts with ‘PUNB’ because Dakshin Bihar Gramin Bank is sponsored by Punjab National Bank (PNB). The IFSC codes for regional rural banks often reflect their sponsor bank.

Do I need an IFSC code for UPI transactions?

Typically, you do not need to manually enter an IFSC code for UPI payments, as they use a Virtual Payment Address (VPA). However, the banking system uses the IFSC code in the background to identify your bank and branch associated with your UPI ID.

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.