Bihar Gramin Bank SAKADDI IFSC Code

Bihar Gramin Bank, SAKADDI is a rural bank branch located in Sakaddi village, Bhojpur district, Bihar (PIN 802160). This branch serves local customers for savings, payments and remittances. For electronic fund transfers — NEFT, RTGS and IMPS — the correct IFSC code is essential. The IFSC uniquely identifies the bank and branch in the RBI-enabled payment system so your money reaches the right account quickly and securely.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	SAKADDI
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7075
Branch Address	SAKADDI, Bhojpur, 802160, 9771464075
Contact Number	9771464075
City	Bhojpur
District	Bhojpur
Reason	ARA
Pincode	802160
State	Bihar

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity under Punjab National Bank (PNB). All legacy IFSC codes issued to UBGB and DBGB have been revoked. The unified IFSC code to use for this branch is PUNB0MBGB06. Only this new IFSC is valid for NEFT, RTGS and IMPS transfers to accounts migrated from the earlier regional gramin banks. If you have old UBGB or DBGB IFSCs saved, update them before initiating transfers.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that identifies a specific bank branch in electronic payment systems.

• First 4 characters – Bank identifier. Example: PUNB stands for Punjab National Bank.
• 5th character – Always 0 (reserved for future use).
• Last 6 characters – Branch identifier (unique to the branch). Example: MBGB06 in PUNB0MBGB06.

So, in PUNB0MBGB06, PUNB = Punjab National Bank, 0 = reserved, MBGB06 = the Sakaddi branch code under the merged structure.

How to Use IFSC Code

• Open your bank’s internet banking, mobile app or visit the branch.
• Choose the transfer type: NEFT, RTGS or IMPS. (Use RTGS for high-value same-day transfers; IMPS for immediate 24×7 small-value transfers.)
• Select or add the beneficiary. Enter the beneficiary name, account number and the IFSC: PUNB0MBGB06.
• Double-check account number and IFSC. A wrong IFSC can route funds to the wrong branch or cause rejection in rare cases.
• Enter amount and any remarks, then authenticate (OTP/password) to complete the transfer.
• Save the beneficiary details after a successful transfer if you will pay again.

Benefits of Knowing the IFSC

• Ensures funds are routed to the exact bank branch for NEFT, RTGS and IMPS.
• Saves time and prevents failed transactions or delays caused by incorrect branch identification.
• Needed when adding beneficiaries in banking apps and for receiving payments from businesses and government schemes.
• Helps customer support trace a transaction using bank and branch identifiers.
• Makes reconciliation easier for businesses and accountants when matching receipts to branches (using branch code and MICR).

Contact

Branch phone: 9771464075

Branch Address: SAKADDI, Bhojpur, 802160

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free no: 18001807777

FAQs

Q: Can I use the old UBGB or DBGB IFSC for transfers?

A: No. Old UBGB and DBGB IFSCs have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all electronic transfers to accounts migrated to the merged bank.

Q: What happens if I enter a wrong IFSC but the correct account number?

A: Most systems route using IFSC plus account number. If IFSC points to a different bank, the transfer may be rejected or routed incorrectly. Always confirm both IFSC and account number. If funds are misrouted, contact your bank immediately with transaction reference.

Q: Which transfer method should I use — NEFT, RTGS or IMPS?

A: Use IMPS for instant transfers of smaller amounts any time. NEFT is suitable for routine transfers; settlement is hourly to half-hourly depending on service hours. RTGS is for high-value immediate transfers during RTGS operating hours. Check your bank’s limits and cut-off times.

Q: How can I verify the IFSC before sending money?

A: Verify the IFSC on the beneficiary’s bank passbook, cheque leaf (if available), or by calling the branch phone number (9771464075). You can also confirm at your bank branch counter before initiating the transfer.

Q: What is MICR and do I need it for electronic transfers?

A: MICR (Magnetic Ink Character Recognition) code is a 9-digit code used mainly for cheque processing. For NEFT/RTGS/IMPS you primarily need the IFSC and account number. MICR is useful for cheque clearance and reconciliation; the MICR for this branch is 800811002.