Bihar Gramin Bank SIMRI IFSC Code

The Bihar Gramin Bank branch at Simri is located in Simri, Buxar district, Bihar (PIN 802185). This IFSC code is required when you send or receive electronic transfers such as NEFT, RTGS or IMPS. Using the correct IFSC ensures funds route to the exact branch and account without delays or returns.

Branch Details

Merger Update

Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank. The merged branches now operate under the single IFSC code PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For any electronic transfer, use only the new IFSC PUNB0MBGB06. Transactions attempted with old UBGB/DBGB IFSC codes may fail or be returned.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic transfers.

• First 4 characters: Alphabetic bank code (example: PUNB = Punjab National Bank).
• 5th character: Reserved and is always 0.
• Last 6 characters: Branch identifier (alphanumeric). In PUNB0MBGB06, the last six are MBGB06, which identifies the Simri branch under the merged arrangement.

How to Use IFSC Code

Steps to make a transfer (NEFT / RTGS / IMPS) to the Simri branch:

• Open your bank’s netbanking app or visit the branch counter.
• Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT and RTGS are also available round-the-clock for most banks.)
• Add a new beneficiary. Enter beneficiary name exactly as on the account, account number, and the IFSC PUNB0MBGB06.
• Verify details carefully. A single incorrect character in IFSC or account number can route the payment incorrectly or cause a return.
• Authorize the transfer using OTP/transaction password. Note RTGS is typically used for high-value transfers (check current minimum; historically ~₹2 lakh), NEFT has no fixed minimum, and IMPS has bank-specific caps.
• Keep the transaction reference for tracking. If funds do not reflect, contact the sending bank with the reference and beneficiary IFSC/account details.

Benefits of Knowing the IFSC

• Ensures funds reach the exact branch and account without manual intervention.
• Speeds up processing: accurate IFSC reduces failed or returned transactions.
• Required for adding beneficiaries in internet banking and mobile apps.
• Helps customer service trace transactions using the branch identifier.
• Useful for receiving electronic credits such as salaries, refunds, or government payments.

Contact

Branch Phone: 9771464079

Branch Address: SIMRI, Buxar, 802185

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free: 18001807777

FAQs

• Q: Can I use this IFSC for online transfers from any bank in India?
  A: Yes. Use IFSC PUNB0MBGB06 when adding the Simri beneficiary in any Indian bank for NEFT, RTGS or IMPS.
• Q: What happens if I enter a wrong IFSC but correct account number?
  A: Banks route primarily by IFSC. A wrong IFSC can route the payment to a different branch or cause rejection. If the account number and IFSC mismatch, the payment may be returned. Contact your bank immediately if you suspect an error.
• Q: Are NEFT and RTGS available 24×7 for this branch?
  A: Most banks, including branches under Punjab National Bank, offer NEFT and RTGS 24×7. IMPS has always been available 24×7. Confirm with the sending bank for any service windows or maintenance schedules.
• Q: I have an old UBGB IFSC. Can I still use it?
  A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for successful transactions.
• Q: How long does a NEFT transfer take to reflect in the Simri branch account?
  A: NEFT transfers usually settle within minutes to a few hours. With 24×7 NEFT and faster processing, many transfers are near-instant. Exact timing depends on the sending bank and verification checks.

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.