Bihar Gramin Bank, Sarifganj branch is located in Sarifganj, Katihar district, Bihar (PIN 854105). This IFSC code is essential when sending or receiving electronic funds through NEFT, RTGS and IMPS. The code routes the payment to the correct bank and branch so the transfer reaches the intended account quickly and securely.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Sarifganj |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100908 |
| Branch Address | Sarifganj, KATIHAR, 854105, 9297954207 |
| Contact Number | 9297954207 |
| City | KATIHAR |
| District | KATIHAR |
| Reason | PURNEA |
| Pincode | 854105 |
| State | Bihar |
Merger Update
The regional rural banks in Bihar that operated as Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank for unified operations. The Sarifganj branch now uses the single IFSC code PUNB0MBGB06 issued under Punjab National Bank. All old UBGB or DBGB IFSC codes have been revoked. For electronic transfers (NEFT/RTGS/IMPS) only the new IFSC PUNB0MBGB06 is valid. Always confirm the current IFSC before initiating a transfer.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in India for electronic fund transfers.
- First 4 characters = bank identifier. Example: PUNB = Punjab National Bank.
- 5th character = reserved and is always 0.
- Last 6 characters = branch identifier. Example: in PUNB0MBGB06, the last six MBGB06 identify the Sarifganj (merged) branch.
How to Use IFSC Code (NEFT, RTGS, IMPS)
- Open your bank’s internet banking, mobile app, or visit an ATM branch that supports fund transfers.
- Choose the transfer type: NEFT, RTGS (for high-value transfers), or IMPS (instant 24×7).
- Add a beneficiary if not already added: enter beneficiary name, account number, and the IFSC PUNB0MBGB06 exactly as shown.
- Verify the beneficiary details. Enter the amount and purpose. Banks may ask for MPIN/OTP to authorize.
- Submit the transaction. For NEFT/RTGS the settlement process depends on bank and payment system timings; IMPS is typically instant.
- Keep the transaction reference/UTR for tracking. If a transfer fails due to wrong IFSC, the bank will usually return the funds; delays can occur.
Benefits of Knowing the IFSC
- Ensures funds reach the exact branch and account without manual intervention.
- Required for adding beneficiaries in netbanking and mobile apps.
- Saves time by avoiding failed transfers and reconciliation delays.
- Helps customer support locate and trace transactions using the UTR and IFSC.
- Useful when filling cheque return forms, electronic mandates, and ECS setups.
Contact
Branch phone no: 9297954207
Branch Address: Sarifganj, KATIHAR, 854105
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only IFSC I should use for Sarifganj branch?
A: Yes. After the merger under Punjab National Bank, PUNB0MBGB06 is the valid IFSC. Old UBGB/DBGB codes are revoked and must not be used.
Q: What happens if I enter a wrong IFSC while transferring money?
A: If the wrong IFSC points to another valid branch, money may go to that branch—possibly to a different account if the account number matches. If the IFSC is invalid, the transfer will usually fail and the funds will be returned. Contact your bank immediately with the UTR/transaction reference to resolve errors.
Q: How is IFSC different from MICR?
A: IFSC is an 11-character code used for electronic transfers. MICR is a 9-digit code used for processing physical cheques in the clearing system. For Sarifganj branch, MICR is 800811002; IFSC is PUNB0MBGB06.
Q: Can I use mobile number or Aadhaar instead of IFSC to send money?
A: You can use UPI (mobile number/virtual payment address) or Aadhaar-enabled payment systems where supported. For bank-to-bank NEFT/RTGS/IMPS transfers directly to an account, the IFSC plus account number is the standard method.
Q: Where can I verify the IFSC before transferring?
A: Verify the IFSC on a cheque leaf or passbook issued by the branch, or confirm with the branch phone number (9297954207) or the bank’s customer care (toll-free 18001807777). Always double-check before initiating a high-value transfer.
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.