Bihar Gramin Bank SANADIYA IFSC Code

The Sanadiya branch of Bihar Gramin Bank is located in the Bhojpur district of Bihar. For anyone looking to send or receive money through this specific branch, understanding its Indian Financial System Code (IFSC) is essential. The IFSC code is a unique 11-character alpha-numeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in the electronic funds transfer network. This code ensures that your money transfers, whether through NEFT, RTGS, or IMPS, are routed correctly and securely to the intended bank account.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	SANADIYA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7538
Branch Address	SANADIYA, Bhojpur, 802312, 7541807538
Contact Number	7541807538
City	Bhojpur
District	Bhojpur
Region	ARA
Pincode	802312
State	Bihar

Important Merger Update

Bihar Gramin Bank was formed by the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this amalgamation, the new entity operates under Punjab National Bank (PNB) as its sponsor bank. As a result, all branches, including Sanadiya, now use a unified IFSC code structure starting with ‘PUNB’. Please note that all old IFSC codes belonging to the former UBGB and DBGB are now invalid and have been revoked. For any online fund transfer to this branch, you must use the new IFSC code PUNB0MBGB06 to ensure the transaction is successful.

What is an IFSC Code?

An IFSC code is an 11-character identifier crucial for online banking. Each part of the code has a specific meaning, helping to direct funds to the exact bank branch. Let’s break down the IFSC code PUNB0MBGB06:

• PUNB: The first four characters represent the name of the bank. In this case, ‘PUNB’ stands for 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.
• MBGB06: The last six characters identify the specific branch. For the Sanadiya branch, this unique code is ‘MBGB06’.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for online transactions is straightforward. Whether you are using a mobile banking app or an internet banking portal, the process is similar. Here are the typical steps:

1. Log in to your internet or mobile banking account.
2. Navigate to the ‘Fund Transfer’ section and select the payment method (NEFT, RTGS, or IMPS).
3. Add a new beneficiary or payee by entering their account details.
4. You will be prompted to enter the beneficiary’s name, account number, account type, and the bank’s IFSC code.
5. Enter PUNB0MBGB06 in the IFSC code field for the Sanadiya branch. The system will often auto-populate the bank and branch details for verification.
6. Enter the amount you wish to transfer and confirm the transaction.

Benefits of Using the Correct IFSC Code

• Transaction Accuracy: The primary benefit is ensuring your money reaches the correct bank branch and account without any errors.
• Faster Processing: Correct IFSC codes enable automated systems to process transactions quickly, reducing delays in fund transfers.
• Enhanced Security: The code acts as a security measure, preventing funds from being misdirected to the wrong location.
• Error Prevention: Online banking systems often use the IFSC code to verify the branch details you’ve entered, helping you catch typos before you finalize the transfer.

Contact Information

For direct assistance or queries, you can reach out to the branch or the head office using the details below.

Branch Contact

• Phone Number: 7541807538
• Address: SANADIYA, Bhojpur, Bihar – 802312

Head Office

• Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA – 800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

1. What happens if I use an old IFSC code from before the merger?

If you use an old or incorrect IFSC code, your transaction will likely fail. The funds will be reversed and credited back to your account, but this process can take some time.

2. Is the IFSC code the same as the MICR code?

No. The IFSC code is used for online fund transfers like NEFT and RTGS. The MICR (Magnetic Ink Character Recognition) code is a 9-digit code used for processing cheques.

3. Do I need an IFSC code for all types of bank transfers?

You need an IFSC code for inter-bank transfers done through NEFT, RTGS, and IMPS. You do not need it for transactions within the same bank or for UPI payments, which use a Virtual Payment Address (VPA).

4. How can I verify if an IFSC code is correct?

Most banking portals and apps automatically verify the IFSC code when you enter it. You can also confirm the code on the bank’s official website or by checking a cheque book issued by the branch.

5. Is the IFSC code the same for all branches of Bihar Gramin Bank?

No, each branch has a unique identifier in the last six characters of its IFSC code. However, due to the merger, some regional rural banks may use a single, unified IFSC for all their branches for a period. It is always best to use the specific code provided for the Sanadiya branch, PUNB0MBGB06, to avoid any issues.