Sidhwalia is a branch location in Gopalganj district, Bihar (Pincode 841423). For electronic fund transfers such as NEFT, RTGS and IMPS, the IFSC code routes the payment to the correct bank and branch. Using the correct IFSC prevents misrouted transfers, reduces delays, and is required when you add a beneficiary in online and mobile banking.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Sidhwalia |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100549 |
| Branch Address | Sidhwalia, GOPALGANJ, 841423, 9297954549 |
| Contact Number | 9297954549 |
| City | GOPALGANJ |
| District | GOPALGANJ |
| Reason | GOPALGANJ |
| Pincode | 841423 |
| State | Bihar |
Merger Update
Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged and now operate under Punjab National Bank for IFSC routing. All old UBGB/DBGB IFSC codes have been revoked. For transactions to the Sidhwalia branch you must use the single, current IFSC: PUNB0MBGB06. Old UBGB or DBGB IFSC entries will be rejected or delayed by the remitting bank.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic fund transfers. Its structure is:
- First 4 characters — bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character — always the digit 0 (reserved).
- Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 identifies the Sidhwalia branch within the bank routing system.
How to Use IFSC Code
Use the IFSC when adding a beneficiary or making a transfer via internet banking, mobile banking, or at a branch. Steps:
- Open your bank app or internet banking and go to “Add Beneficiary” or “New Payee.”
- Enter beneficiary name and account number exactly as given by the recipient.
- Enter the IFSC code: PUNB0MBGB06. The bank system typically validates the IFSC and shows the branch name.
- Save beneficiary. Some banks require activation (may take minutes to hours) before you can transfer funds.
- Choose transfer type: NEFT, RTGS or IMPS. Enter amount and confirm using your transaction PIN/OTP.
- Verify the beneficiary name shown by your bank before confirming the transfer. Keep the transaction reference for tracking.
Benefits of Knowing the IFSC
- Ensures funds route to the correct branch and account.
- Required input for NEFT, RTGS and IMPS transfers.
- Reduces failed or delayed transactions caused by wrong routing.
- Helps verify beneficiary details when adding a payee (bank apps often display branch name after IFSC entry).
- Useful for automated payments, vendor payouts and payroll setups.
Contact
Branch phone: 9297954549
Branch address: Sidhwalia, GOPALGANJ, 841423
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Where can I find the IFSC for Bihar Gramin Bank Sidhwalia?
A: The IFSC is PUNB0MBGB06. You can also confirm it on a cheque leaf, bank passbook, or by calling the branch at 9297954549.
Q: Can I use an old UBGB or DBGB IFSC for transfers?
A: No. UBGB and DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transactions to this branch.
Q: What is the difference between IFSC and MICR?
A: IFSC routes electronic transfers (NEFT/RTGS/IMPS). MICR (here 800811002) is used mainly for cheque clearing and is a 9-digit numeric code tied to the bank branch. Both identify the branch but for different systems.
Q: What if I enter the wrong IFSC when transferring money?
A: If the IFSC doesn’t match the account details, the transfer may fail or be returned. If it routes to a valid but wrong branch/account, banks will usually trace and recover funds, but recovery can take time and may require written requests from both parties.
Q: Are NEFT, RTGS and IMPS all available for this branch?
A: Yes, these electronic channels use the IFSC for routing. IMPS and many NEFT systems work 24×7. RTGS is for real-time high-value transfers. Check your bank’s app for channel-specific timing and limits.
Q: How quickly will a transfer reach this branch?
A: IMPS is instant. NEFT generally settles in scheduled batches or continuously depending on the service; RTGS is near real-time for high-value payments. Actual time depends on the remitting bank, cut-off times and public holidays.
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.