The Bihar Gramin Bank branch at Siswa Amwa is located in East Champaran district (PIN 845401). This branch serves local residents and businesses in Siswa Amwa, Motihari area. For electronic fund transfers such as NEFT, RTGS and IMPS, the IFSC code identifies the bank and branch so funds route correctly and quickly. A correct IFSC avoids delays or failed transfers.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Siswa Amwa |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 108074 |
| Branch Address | Siswa Amwa, EAST CHAMPARAN, 845401, 9297954722 |
| Contact Number | 9297954722 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845401 |
| State | Bihar |
Merger Update
Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank’s umbrella for banking operations in the region. As part of that consolidation, the single IFSC code now used for the merged rural-bank branches is PUNB0MBGB06 under Punjab National Bank. Old UBGB and DBGB IFSC codes have been revoked and are no longer valid for NEFT/RTGS/IMPS transactions. Always use the new IFSC when sending funds.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify a specific bank branch in electronic payment systems.
- First 4 characters: Bank code (alphabetic). Example: PUNB for Punjab National Bank.
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.
How to Use IFSC Code
Follow these steps when making NEFT, RTGS or IMPS transfers:
- Open your bank’s netbanking or mobile banking app and choose the fund transfer option (NEFT/RTGS/IMPS).
- Add a beneficiary: enter beneficiary name, account number and the IFSC code PUNB0MBGB06. Verify the branch name once the IFSC populates.
- Confirm and save the beneficiary. Some banks require OTP or in-branch verification before activation.
- Initiate the transfer by selecting the saved beneficiary, entering amount and narration, then confirm with OTP/transaction password.
- Check transaction status. NEFT settles in batches, RTGS is real-time for high-value transfers, and IMPS is immediate 24×7 for lower amounts.
Benefits of Knowing the IFSC Code
- Ensures funds reach the correct bank branch without delay.
- Required for adding beneficiaries in netbanking and mobile apps.
- Helps customer support trace and resolve transaction issues faster.
- Prevents failed transfers caused by branch-name ambiguity.
- Necessary for automated bulk payments like salaries or vendor payouts.
Contact
Branch phone no: 9297954722
Branch Address: Siswa Amwa, EAST CHAMPARAN, 845401
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the correct IFSC to use for Siswa Amwa branch?
A: Yes. Use PUNB0MBGB06 for NEFT, RTGS and IMPS transfers to this branch. This is the active IFSC after the merger.
Q: What happens if I use an old UBGB or DBGB IFSC?
A: Old UBGB/DBGB IFSCs have been revoked. Transactions using revoked IFSCs may fail or be returned. Use the new code PUNB0MBGB06 to avoid problems.
Q: Is there a minimum or maximum amount for NEFT, RTGS or IMPS?
A: NEFT has no central minimum; RTGS is meant for higher-value transfers and typically has a minimum of ₹2,00,000 per transaction (banks may vary). IMPS is for instant low-value transfers and often limited to ₹2,00,000 per transaction, though actual limits are set by individual banks.
Q: How can I verify the IFSC before sending money?
A: Verify the IFSC on the recipient’s cheque leaf, bank passbook, official bank communication, or by contacting the branch at 9297954722. Confirm the branch name shown in your banking app after entering the IFSC.
Q: Who do I contact if a transfer to this IFSC fails or is delayed?
A: First contact the Siswa Amwa branch at 9297954722. If unresolved, contact the head office or toll-free number 18001807777 with transaction reference, date, amount and beneficiary details.
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.