Siswa Patna branch is located in Siswa Patna village, East Champaran district, Bihar (PIN 845432). This branch serves local residents and small businesses in and around Motihari. For electronic fund transfers you must use the correct IFSC code. The IFSC identifies the exact bank and branch for NEFT, RTGS and IMPS traffic. A wrong or revoked IFSC can delay a transfer or cause rejection. Use the IFSC along with the beneficiary account number and name to route funds safely.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Siswa Patna |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100274 |
| Branch Address | Siswa Patna, EAST CHAMPARAN, 845432, 9297954723 |
| Contact Number | 9297954723 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845432 |
| State | Bihar |
Merger Update
Note on sponsor banks and mergers: Punjab National Bank (PNB) is the sponsor for several regional rural banks. The IFSC shown for Siswa Patna is PUNB0MBGB06, which uses the PNB prefix (PUNB). If this branch or other nearby branches previously operated under names like Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), those entities have been merged into a unified structure and now use the single IFSC PUNB0MBGB06 under Punjab National Bank. Old UBGB/DBGB IFSC codes are revoked. Use only the new IFSC for NEFT/RTGS/IMPS transfers.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments to the correct bank branch.
- First 4 characters = bank identifier. Example: PUNB = Punjab National Bank.
- 5th character = reserved and is 0 (zero) by convention.
- Last 6 characters = branch identifier (alphanumeric). Example: in PUNB0MBGB06, MBGB06 is the branch element.
So IFSC structure = BANK (4) + 0 (1) + BRANCH (6) = 11 characters total.
How to Use IFSC Code for NEFT, RTGS and IMPS
- Collect beneficiary details: bank name, branch name, account number, IFSC and beneficiary name exactly as on bank records.
- Open your netbanking, mobile banking app or use an ATM where applicable. Choose NEFT, RTGS or IMPS as required.
- Enter the beneficiary account number and paste/type the IFSC PUNB0MBGB06 without extra spaces.
- Verify the beneficiary name that the system shows after you enter IFSC and account number. If the displayed name does not match, stop and confirm details with the beneficiary.
- Enter amount and a remark (optional). Confirm charges and transfer timing. IMPS is instant and available 24×7; NEFT and RTGS are online but settle according to their systems—confirm timings in your bank’s interface.
- Authenticate the transaction with OTP, PIN or token as required.
- Keep the transaction reference or UTR number. Use it to track or to provide proof in case of disputes.
Benefits of Knowing the Correct IFSC
- Accurate routing: ensures funds arrive at the intended branch and account.
- Faster settlement: avoids manual intervention and rejections that cause delays.
- Reduced errors: entering the right IFSC lowers the chance of failed or returned transfers.
- Necessary for online transfers: netbanking and mobile apps require IFSC for NEFT/RTGS/IMPS.
- Helpful for reconciliation: MICR and branch codes help accountants match transactions to branches.
Contact
Branch Phone: 9297954723
Branch Address: Siswa Patna, EAST CHAMPARAN, 845432
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the correct IFSC for Siswa Patna branch?
A: Yes. The valid IFSC for fund transfers to this branch is PUNB0MBGB06. Use only this code for NEFT, RTGS and IMPS.
Q: I have an old UBGB or DBGB IFSC for this branch. Can I use it?
A: No. Old UBGB/DBGB IFSCs have been revoked after consolidation under Punjab National Bank. Only the new IFSC PUNB0MBGB06 is valid now.
Q: What if I enter a wrong IFSC but correct account number?
A: Most systems first validate IFSC with branch details and then match account number. If IFSC and account number point to different branches, the transfer may be rejected or routed incorrectly. Always confirm both IFSC and account number. If an error occurs, contact your bank immediately with the transaction UTR.
Q: Do I need MICR code for online transfers?
A: No. IFSC is required for NEFT/RTGS/IMPS. MICR (800811002) is used mainly for cheque processing and some internal reconciliation tasks.
Q: Can I receive international wire transfers to this branch?
A: International transfers typically use SWIFT/BIC codes and intermediary bank routing. Confirm with the branch or head office for the correct SWIFT code and beneficiary details. Provide the receiving account number, branch address and IFSC to your remitting bank as well.
Q: How do I verify the IFSC before sending money?
A: Confirm with the beneficiary, call the branch phone (9297954723) or check bank documents like passbook, cheque leaf or official bank communication. When you enter IFSC and account number in netbanking, many systems auto-validate the beneficiary name—use that as an additional check.
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.