Bihar Gramin Bank SEDAHA IFSC Code

The Bihar Gramin Bank branch in SEDAHA is located in the Bhojpur district of Bihar. For anyone looking to send or receive money online through this branch, understanding its Indian Financial System Code (IFSC) is essential. This unique 11-character code is required for all major electronic fund transfer systems in India, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). The IFSC code ensures that your money is routed correctly and reaches the intended bank branch without any errors.

Branch Details

Merger and IFSC Code Update

It’s important to note that Bihar Gramin Bank was formed by the merger of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). As a result of this merger and sponsorship by Punjab National Bank (PNB), all branches now operate under a unified system. The old IFSC codes previously used by UBGB and DBGB branches have been revoked and are no longer valid. For any online transaction, you must use the new IFSC code, which starts with ‘PUNB’. Using an old code will result in a failed transaction.

What is an IFSC Code?

An IFSC code is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify every bank branch participating in the electronic funds transfer network. The structure is designed to be unique and prevent errors.

Let’s break down the SEDAHA branch IFSC code, PUNB0MBGB06:

• PUNB: The first four characters represent the name of the sponsor bank. In this case, it’s Punjab National Bank.
• 0: The fifth character is always a zero. It is a control character reserved for future use.
• MBGB06: The last six characters uniquely identify the specific branch. For Bihar Gramin Bank, this part often contains an identifier for the bank itself (MBGB) followed by a branch-specific code.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for an online transaction is straightforward. Whether you are using a mobile banking app or a desktop website, the steps are generally the same.

1. Log in to your net banking account.
2. Navigate to the ‘Fund Transfer’ or ‘Payments’ section.
3. Choose the type of transfer you want to make: NEFT, RTGS, or IMPS.
4. Add the recipient as a ‘beneficiary’. You will be asked for their name, bank account number, and their bank’s IFSC code.
5. Enter PUNB0MBGB06 in the IFSC code field for the SEDAHA branch.
6. Double-check all the details to ensure accuracy and confirm the transaction.

Benefits of Using the Correct IFSC Code

• Accuracy: It ensures your money is sent to the exact branch and account, eliminating routing errors.
• Efficiency: Correct codes enable automated, faster processing of NEFT, RTGS, and IMPS transactions.
• Security: It adds a layer of verification, reducing the risk of funds being sent to the wrong destination.
• Requirement: The code is a mandatory field for nearly all forms of domestic electronic money transfers in India.

Contact Information

For direct assistance, you can contact the branch or the bank’s head office.

• Branch Contact Number: 9771464077
• Branch Address: SEDAHA, Bhojpur, Bihar – 802209
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

1. Why does the Bihar Gramin Bank IFSC code start with ‘PUNB’?

The first four letters of an IFSC code represent the sponsor bank. Punjab National Bank (PNB) is the sponsor bank for Bihar Gramin Bank, so all its IFSC codes begin with ‘PUNB’.

2. Can I still use my old Dakshin Bihar Gramin Bank (DBGB) IFSC code for a transfer?

No. All old IFSC codes from the pre-merger banks (UBGB and DBGB) are now invalid. You must use the new PNB-sponsored IFSC codes, like PUNB0MBGB06, for all transactions to be successful.

3. What happens if I enter the wrong IFSC code?

If the IFSC code you entered does not exist, the transaction will be rejected, and the money will be credited back to your account. However, if the code belongs to another valid branch, the funds might be sent there, which can complicate recovery.

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

No. While the first five characters (‘PUNB0’) might be common, the last six characters are unique to each specific branch. Always use the code designated for the recipient’s exact branch.

5. Where can I find the official IFSC code for my branch?

The most reliable places to find the IFSC code are on a cheque leaf from your bank-issued chequebook, on the first page of your passbook, or on the official website of Bihar Gramin Bank.

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.