The Bihar Gramin Bank branch in SINHA is located in the Bhojpur district of Bihar. For anyone looking to send or receive money through this branch, understanding its Indian Financial System Code (IFSC) is essential. The IFSC code acts as a unique address for each bank branch, ensuring that online fund transfers through services like NEFT, RTGS, and IMPS are routed correctly and securely to the intended recipient’s account.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | SINHA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | MBGB06 |
| Branch Address | SINHA, Bhojpur, 802316 |
| Contact Number | 9771464080 |
| City | Bhojpur |
| District | Bhojpur |
| Region | ARA |
| Pincode | 802316 |
| State | Bihar |
Merger and Updated IFSC Information
It is important to note that two regional rural banks, Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB), have been merged. The newly formed entity now operates under the sponsorship of Punjab National Bank (PNB). As a result of this merger, all old IFSC codes previously used for UBGB and DBGB branches are now invalid and have been revoked. For all transactions, you must use the new IFSC code format, which starts with ‘PUNB’. Using an old code will result in a failed transaction.
What is an IFSC Code?
The IFSC is an 11-character alphanumeric code that uniquely identifies a bank branch participating in India’s electronic fund transfer network. The code is structured to provide specific information about the bank and its branch.
Let’s break down the SINHA branch IFSC code, PUNB0MBGB06:
- PUNB: The first four letters represent the bank’s name. In this case, ‘PUNB’ stands for Punjab National Bank, the sponsor bank after the merger.
- 0: The fifth character is always a zero. It is reserved for future use.
- MBGB06: The last six characters identify the specific branch. This part ensures your money goes to the SINHA branch and not another branch of the same bank.
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 NEFT for standard transfers, RTGS for high-value transactions, or IMPS for immediate payments. You will need the following details from the person you are sending money to:
- Beneficiary’s Full Name (as per their bank account)
- Beneficiary’s Bank Account Number
- Beneficiary’s Bank and Branch Name
- The IFSC Code of the beneficiary’s branch (PUNB0MBGB06 for the SINHA branch)
When you enter these details in your mobile banking app or internet banking portal, the system uses the IFSC code to verify the destination branch before processing the payment.
Benefits of Using the Correct IFSC Code
- Accuracy: It eliminates confusion between branches with similar names, ensuring your funds are routed to the precise location.
- Error Reduction: The code helps banking systems automatically verify the branch, significantly reducing the chances of a manual error.
- Speed: Correct IFSC codes enable automated, straight-through processing, which makes transactions faster.
- Security: It adds a layer of verification, ensuring that the transaction is processed through the correct banking channels.
Contact Information
For direct assistance or inquiries, you can reach out to the branch or the bank’s head office.
Branch Contact
- Phone Number: 9771464080
- Address: SINHA, Bhojpur, Bihar – 802316
Head Office
- Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 18001807777
Frequently Asked Questions
What is the IFSC code for Bihar Gramin Bank, SINHA branch?
The IFSC code is PUNB0MBGB06. This code should be used for all online fund transfers to this branch.
Can I still use an old IFSC code from Dakshin Bihar Gramin Bank for a transaction?
No. Following the merger and integration with Punjab National Bank’s system, all old IFSC codes for both Dakshin Bihar Gramin Bank and Uttar Bihar Gramin Bank are obsolete. Using them will cause your transaction to fail.
What is the difference between an IFSC code and a MICR code?
The IFSC code is used for electronic fund transfers like NEFT and RTGS. The MICR (Magnetic Ink Character Recognition) code, which is 800811002 for this branch, is a 9-digit code used primarily for processing physical cheques more efficiently.
What happens if I enter the wrong IFSC code?
If you enter an incorrect IFSC code, the transaction will likely be rejected by the banking system. In a rare case where the incorrect code matches another valid branch, the funds could be sent there. The amount is usually returned to your account, but it can cause delays. Always double-check the code before confirming a transaction.
Is the IFSC code the same for NEFT, RTGS, and IMPS transactions?
Yes, the same IFSC code, PUNB0MBGB06, is used for all three types of electronic fund transfers to the SINHA branch.
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.