SURAUNDHA is a village in Bhojpur district, Bihar (Pincode 802160). This article lists the key details for the Bihar Gramin Bank, SURAUNDHA branch and explains how to use its IFSC code for electronic fund transfers. The IFSC code is required when you send money through NEFT, RTGS or IMPS. It tells the payment system exactly which bank and branch should receive the funds so the transfer is routed correctly and quickly.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | SURAUNDHA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7478 |
| Branch Address | SURAUNDHA, Bhojpur, 802160, 7781004478 |
| Contact Number | 7781004478 |
| City | Bhojpur |
| District | Bhojpur |
| Reason | ARA |
| Pincode | 802160 |
| State | Bihar |
Merger Update
Important: The sponsor banks Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were consolidated into a single entity under the Bihar Gramin Bank setup and now operate using the common IFSC PUNB0MBGB06 under Punjab National Bank (sponsor). If your beneficiary account previously used an UBGB or DBGB IFSC, those old IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transfers to this branch. Always verify the IFSC before initiating large or urgent transfers.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that identifies a bank branch in electronic payment systems. The structure is:
- First 4 characters: Bank identifier. Example: PUNB = Punjab National Bank.
- 5th character: Always the digit 0 (reserved).
- Last 6 characters: Branch identifier. This can be letters or numbers and points to the specific branch. Example: in PUNB0MBGB06, MBGB06 is the branch identifier used by the bank.
How to Use IFSC Code
Follow these steps when sending money via NEFT, RTGS or IMPS:
- Open your bank app, netbanking portal, or visit the branch.
- Choose the transfer type: NEFT, RTGS or IMPS. (RTGS is for high-value payments; check your bank for the minimum amount.)
- Add a beneficiary by entering: beneficiary name, account number and IFSC PUNB0MBGB06.
- Verify the beneficiary details. A wrong IFSC can route funds to the wrong branch or block the transfer.
- Enter the amount and payment purpose. Confirm and authenticate (OTP, token, or netbanking credentials).
- After successful authorization, note the transaction reference number. Keep it until the beneficiary confirms receipt.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic payments to the correct branch.
- Required for all NEFT, RTGS and IMPS transactions.
- Saves time: avoids failed transfers and reversals.
- Makes beneficiary setup and reconciliation easier for businesses and accountants.
- Enables online, branch-less transfers 24×7 (IMPS and many NEFT/RTGS timings apply).
Contact
Branch Phone: 7781004478
Branch Address: SURAUNDHA, Bhojpur, 802160
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
Tip: Call the branch number to confirm account details before transferring large sums.
FAQs
Q: Is PUNB0MBGB06 valid for all types of fund transfers?
A: Yes. Use PUNB0MBGB06 for NEFT, RTGS and IMPS transfers to the SURAUNDHA branch. It is the current, valid IFSC for this branch.
Q: Can I continue to use the old UBGB or DBGB IFSC codes?
A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transactions to this branch.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is instant (real-time). NEFT typically completes within a few hours depending on batch timings or immediately if 24×7 NEFT is supported. RTGS is near-instant for high-value transfers. Times can vary by bank and time of day; keep the transaction reference for tracking.
Q: What should I do if a transfer fails or is not credited?
A: Keep the transaction reference. Contact your bank immediately with details: beneficiary name, account number, IFSC PUNB0MBGB06, amount and date. If needed, the beneficiary branch can trace the inward transaction using the reference.
Q: How can I verify the IFSC before sending money?
A: Verify the IFSC on a recent cheque leaf, the bank passbook entry, or by calling the branch at 7781004478. For critical transfers, confirm both account number and IFSC directly with the beneficiary.
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.