Bihar Gramin Bank SAWAR IFSC Code

Bihar Gramin Bank, SAWAR branch is located in Kaimur (Bhabua), Bihar (PIN 821324). This branch serves local customers for savings, deposits and payments. For electronic fund transfers — NEFT, RTGS and IMPS — the correct IFSC code is essential. The IFSC directs the payment to the right bank and branch in the clearing network. Using the wrong IFSC can delay a transfer or cause it to fail.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	SAWAR
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7391
Branch Address	SAWAR, Kaimur (Bhabua), 821324, 9771464391
Contact Number	9771464391
City	Kaimur (Bhabua)
District	Kaimur (Bhabua)
Reason	BHABHUA
Pincode	821324
State	Bihar

Merger Update

Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank (PNB). After the merger both banks now use the single IFSC code PUNB0MBGB06 for transactions. Old UBGB or DBGB IFSC codes have been revoked. For NEFT, RTGS or IMPS transfers you must use the new IFSC PUNB0MBGB06; any old IFSC will be rejected.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character code used to route electronic payments to a specific bank branch. The structure is:

• First 4 characters: alphabetic bank code (example: PUNB = Punjab National Bank).
• 5th character: reserved and is always 0.
• Last 6 characters: branch identifier (alphanumeric). In PUNB0MBGB06, the suffix MBGB06 points to the specific branch mapping under PNB’s system.

Note: The separate numeric branch code (for example, 7391 for this branch) is an internal identifier and may not match the suffix in the IFSC. Use the IFSC for electronic payments.

How to Use IFSC Code for NEFT, RTGS, IMPS

• Get the beneficiary’s details: account name, account number, and IFSC (PUNB0MBGB06 for SAWAR).
• Log in to your bank’s internet banking, mobile app or use the branch counter.
• Choose the transfer type:
  • IMPS — instant, available 24×7. Good for small urgent payments.
  • NEFT — batch-processed (now available round-the-clock). Suitable for routine transfers.
  • RTGS — for high-value real-time gross settlement. Check your bank’s minimum RTGS limit (commonly ₹2 lakh in older rules; verify current limits).
• Add a new beneficiary by entering name, account number and IFSC code exactly as provided.
• Verify beneficiary details. Some banks send an OTP to confirm addition.
• Initiate the transfer and note the transaction reference or UTR. Keep it for tracking or dispute resolution.
• If you are unsure about cut-off times or limits, confirm with your remitting bank before initiating RTGS or large NEFT transfers.

Benefits of Knowing the IFSC

• Directs funds to the correct bank branch for NEFT, RTGS and IMPS.
• Reduces the risk of failed transfers or delayed payments.
• Makes adding beneficiaries faster and more accurate in online banking.
• Needed for electronic vendors, payouts and salary processing to specific branches.
• Helps reconcile payments with MICR and branch codes for accounting.

Contact

Branch phone no: 9771464391
Branch Address: SAWAR, Kaimur (Bhabua), 821324
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777

FAQs

1. Is PUNB0MBGB06 valid for NEFT, RTGS and IMPS?
Yes. PUNB0MBGB06 is the active IFSC to be used for NEFT, RTGS and IMPS to route funds to the SAWAR branch under Punjab National Bank after the merger.

2. What happens if I enter the wrong IFSC?
If the IFSC is incorrect, the payment may be rejected or routed to a wrong branch. Usually the transfer fails and funds return to the remitter. If funds get credited to a different account, recovery requires bank intervention and may take several days.

3. How do I verify this IFSC before sending money?
Verify the IFSC from the beneficiary’s bank passbook, cheque leaf, or by contacting the branch phone number (9771464391). Confirm with the remitting bank if needed. After the UBGB/DBGB merger, only PUNB0MBGB06 is valid.

4. What is the difference between IFSC and MICR?
IFSC (11 chars) is used for electronic fund transfers and identifies bank + branch. MICR (usually 9 digits, here 800811002) is used for cheque clearance in the Magnetic Ink Character Recognition system. They serve different clearing functions.

5. Can I use branch code 7391 instead of IFSC for online transfers?
No. The numeric branch code (7391) is an internal identifier. Always use the IFSC (PUNB0MBGB06) for electronic transfers.