Bihar Gramin Bank Shikarganj IFSC Code

The Bihar Gramin Bank branch at Shikarganj is located in East Champaran district, Bihar (Pincode 845418). This branch serves retail and rural customers for deposits, withdrawals, micro-loans and payments. For electronic fund transfers such as NEFT, RTGS and IMPS, the branch IFSC code is essential. The IFSC identifies the bank and branch uniquely, routing your transfer to the correct account and avoiding delays or failed transactions.

Branch Details

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity operating under Punjab National Bank (PNB) controls for IFSC usage. The unified IFSC code for affected rural branches is PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked. For all electronic transfers (NEFT, RTGS, IMPS) you must use the new IFSC PUNB0MBGB06. Using an old or revoked IFSC can cause payment rejection or routing delays.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems. Its structure is fixed:

• First 4 characters — Bank code (alphabetic). Example: PUNB = Punjab National Bank.
• 5th character — Always zero (0). It is reserved for future use.
• Last 6 characters — Branch code (alphanumeric). Example: MBGB06 for this branch, making the full IFSC PUNB0MBGB06.

How to Use IFSC Code (NEFT, RTGS, IMPS)

• Log in to your bank’s internet banking or mobile banking app, or visit the branch for a paper form.
• Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is for immediate transfers; NEFT and RTGS are batch or real-time depending on the service.)
• Enter beneficiary name and account number exactly as given by the beneficiary.
• Enter the IFSC: PUNB0MBGB06 for Bihar Gramin Bank, Shikarganj branch. Double-check characters—mistakes cause misrouting.
• Enter amount and purpose, then verify details. For RTGS ensure your channel permits higher-value transfers if required.
• Authorize payment (OTP, token or other bank authentication). Save the transaction confirmation for records.
• For third-party apps that ask for bank+IFSC (instead of IMPS MMID/UPI), provide the account number and IFSC. Some UPI flows do not require IFSC because they use VPA routing.

Benefits of Knowing the IFSC

• Accurate routing: Ensures funds reach the intended branch and account without manual intervention.
• Faster transfers: Correct IFSC reduces hold-ups and returns, improving settlement speed.
• Required for multiple channels: NEFT, RTGS and many IMPS flows require IFSC to identify destination branch.
• Fraud prevention: Verifying IFSC with the beneficiary reduces the chance of misdirected payments.
• Useful for documentation: You can record and re-use correct details for payroll, vendor payments and remittances.

Contact

Branch phone no: 9297954720

Branch Address: Shikarganj, EAST CHAMPARAN, 845418

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

Toll free no: 18001807777

FAQs

• Q: Is PUNB0MBGB06 the only valid IFSC for this branch?

  A: Yes. After the merger and conversion under Punjab National Bank routing, PUNB0MBGB06 is the valid IFSC. Old UBGB/DBGB IFSCs have been revoked for electronic transactions.

• Q: What if I enter the wrong IFSC while sending money?

  A: If the IFSC does not match the account number or does not exist, the transfer will likely be rejected and returned to the remitter. If it maps to another valid branch, funds may go to the wrong branch—contact your bank immediately to trace or recall the payment.

• Q: Do I always need IFSC for IMPS?

  A: IMPS via bank account-to-account typically requires account number and IFSC. IMPS through MMID or UPI ID may not require IFSC. When asked for bank details, provide account number plus IFSC PUNB0MBGB06.

• Q: How can I verify this IFSC before making a large transfer?

  A: Verify by checking a bank cheque leaf (if updated), calling the branch at 9297954720, or confirming with your bank’s customer service. Always confirm beneficiary account name and IFSC together.

• Q: Will the IFSC change again after future reorganizations?

  A: IFSC can change when banks merge or branches are reallocated. Banks notify customers and provide transition windows. Always confirm the current IFSC before initiating important transfers.

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.