SIARI is a village in Gaya district, Bihar. This article gives the full branch details for Bihar Gramin Bank, SIARI and explains the IFSC code used for online fund transfers. IFSC codes are essential for NEFT, RTGS and IMPS. They tell payment systems which bank and branch will receive funds. Using the correct IFSC avoids failed transfers and delays.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | SIARI |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6889 |
| Branch Address | SIARI, Gaya, 824207, 9523596889 |
| Contact Number | 9523596889 |
| City | Gaya |
| District | Gaya |
| Reason | GAYA |
| Pincode | 824207 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank. The unified IFSC for the former regional gramin banks is PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked. For all NEFT, RTGS and IMPS transfers to this branch use only PUNB0MBGB06. Transactions attempted with the old codes will fail or be returned.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code. It directs electronic payments to a specific bank branch.
- First 4 characters: Identify the bank. Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Identify the branch. Example: MBGB06 for the merged Bihar Gramin Bank branch code portion.
So in PUNB0MBGB06, PUNB = Punjab National Bank, 0 = reserved, MBGB06 = branch identifier.
How to Use IFSC Code
Use the IFSC when you set up a beneficiary or initiate an online transfer. The process is similar across NEFT, RTGS and IMPS.
- Gather details: Beneficiary name, account number, and IFSC (PUNB0MBGB06). Confirm account type if asked.
- Online banking / mobile app:
- Go to “Add Beneficiary” or “Manage Payee”.
- Enter name, account number and IFSC exactly as provided.
- Choose transfer method (NEFT, RTGS, IMPS). IMPS is immediate; NEFT and RTGS follow bank processing rules.
- Verify details and confirm. Some banks require OTP or a beneficiary activation window.
- Bank branch or ATM form: Fill beneficiary name, account number and IFSC. Bank staff will validate before sending.
- Before sending: Double-check the IFSC and account number. A wrong IFSC may route funds to a different branch or cause failure.
- Confirmation: Save transaction reference or UTR number for tracking.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic payments (NEFT, RTGS, IMPS).
- Speeds up beneficiary setup for repeat transfers.
- Reduces failed or returned transactions caused by wrong branch details.
- Makes reconciliation easier for businesses and accountants.
- Needed when filling forms for inward remittances and some online services.
Contact
Branch Phone: 9523596889
Branch Address: SIARI, Gaya, 824207, 9523596889
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use the old UBGB IFSC code for transfers?
A: No. After the merger into Punjab National Bank, old UBGB IFSC codes were revoked. Use PUNB0MBGB06 for this branch.
Q: Where can I find the IFSC on a cheque or passbook?
A: The IFSC is usually printed on the cheque leaf near the MICR line and on the first page of the passbook. For this branch it is PUNB0MBGB06.
Q: What happens if I enter the wrong IFSC but correct account number?
A: The payment system uses IFSC to route to the correct branch. If the IFSC does not match the account number, the transfer may fail or get returned. Always verify both account number and IFSC.
Q: Do I need the IFSC for UPI payments?
A: No. UPI uses a Virtual Payment Address (VPA) and does not require IFSC. IFSC is required for NEFT, RTGS and IMPS through netbanking or branch channels.
Q: How do I verify that PUNB0MBGB06 is valid before sending money?
A: Confirm with the beneficiary, check the passbook or cheque, or call the branch at 9523596889. Also confirm the head office toll-free number 18001807777 if you need further validation.
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.