SIKRAUL is a branch of Bihar Gramin Bank located in SIKRAUL village, Buxar district, Bihar (PIN 802129). This branch serves local residents and businesses for routine banking needs. For electronic fund transfers such as NEFT, RTGS and IMPS, the IFSC code is essential. It routes your payment to the correct bank and branch in the electronic clearing system and ensures funds reach the intended account quickly and securely.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | SIKRAUL |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7078 |
| Branch Address | SIKRAUL, Buxar, 802129, 9771464078 |
| Contact Number | 9771464078 |
| City | Buxar |
| District | Buxar |
| Reason | BHABHUA |
| Pincode | 802129 |
| State | Bihar |
Merger Update
This branch uses the IFSC code PUNB0MBGB06 under Punjab National Bank’s routing. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under the single IFSC code PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For all electronic transfers (NEFT, RTGS, IMPS) to accounts migrated from those banks, use only PUNB0MBGB06. Transactions attempted with the old IFSC codes will not route correctly.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments. Its structure is:
- First 4 characters: bank identifier (example: PUNB = Punjab National Bank).
- 5th character: always a zero (0), reserved for future use.
- Last 6 characters: branch identifier (example: MBGB06 in PUNB0MBGB06).
Using the branch IFSC ensures the clearing system delivers funds to the exact branch and account.
How to Use IFSC Code for NEFT / RTGS / IMPS
- Open your bank’s netbanking or mobile app and go to the fund transfer/beneficiary section.
- Choose the transfer type: NEFT, RTGS or IMPS. (RTGS is typically for high-value transfers; check your bank’s minimum—commonly Rs. 2,00,000.)
- Enter beneficiary name and account number exactly as provided by the recipient.
- Enter the IFSC: PUNB0MBGB06 for Bihar Gramin Bank, SIKRAUL branch.
- Provide branch name and purpose if requested. Recheck MICR (800811002) only if the receiving bank asks for cheque processing details.
- Enter the amount and authorize the transaction with OTP or transaction password as required.
- Save the beneficiary after confirmation for future transfers.
- Note timing: NEFT is available 24×7 in hourly batches, RTGS is usually real-time (check bank limits), and IMPS is instant 24×7 subject to bank and RBI rules.
Benefits of Knowing the IFSC
- Ensures funds go to the correct branch and account without delay.
- Required for NEFT, RTGS and IMPS — prevents failed or returned transfers.
- Makes digital payments faster and reduces manual intervention.
- Helps verify branch identity when updating beneficiaries or receiving funds.
- Avoids charges and hold-ups caused by incorrect routing information.
Contact
Branch Phone: 9771464078
Branch Address: SIKRAUL, Buxar, 802129
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use an old UBGB or DBGB IFSC for transfers?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use PUNB0MBGB06 for transfers to accounts now under Bihar Gramin Bank/Punjab National Bank routing.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the account’s bank/branch, the transfer may fail or get routed incorrectly and be returned. That can delay funds and may incur charges. Always verify IFSC and account number before sending money.
Q: Is there a minimum or maximum limit for RTGS, NEFT or IMPS?
A: RTGS is intended for high-value transactions and historically has a minimum around Rs. 2,00,000 (check your bank). NEFT is suitable for most amounts and is available 24×7. IMPS is real-time and available 24×7 for smaller, instant transfers up to bank-set limits. Confirm limits with your bank.
Q: How do I verify that PUNB0MBGB06 is correct for a specific account?
A: Ask the beneficiary for their bank name and branch details and match them to the IFSC. You can also confirm by calling the branch at 9771464078 or using official bank documents like a cancelled cheque that shows the IFSC and MICR.
Q: What is the difference between IFSC and MICR?
A: IFSC (11 characters) is used for electronic transfers (NEFT/RTGS/IMPS). MICR (9 digits, here 800811002) is used mainly for cheque clearing and physical bank processing. Both identify branch details but serve different systems.
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.