Siadatpur Aguani is a rural branch of Bihar Gramin Bank located in Khagaria district, Bihar (PIN 851216). This branch serves local depositors, farmers, and small businesses in and around Siadatpur Aguani. For electronic fund transfers — NEFT, RTGS and IMPS — the branch’s IFSC code is essential. The IFSC uniquely identifies the bank and branch in the payment network so money is routed correctly and transactions complete without delay.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Siadatpur Aguani |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3533 |
| Branch Address | Siadatpur Aguani, Khagaria, 851216, 7061383160 |
| Contact Number | 7061383160 |
| City | Khagaria |
| District | Khagaria |
| Reason | BEGUSARAI |
| Pincode | 851216 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity under the sponsorship of Punjab National Bank. After the merger, branches use the consolidated IFSC code PUNB0MBGB06 for electronic transfers. Old UBGB and DBGB IFSC codes have been revoked and are no longer valid for NEFT, RTGS or IMPS; use only the new IFSC assigned under Punjab National Bank to avoid failed or misrouted transactions.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that uniquely identifies a bank branch in electronic payment systems. The structure is:
- First 4 characters: Bank code (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character: Reserved and always 0 (zero).
- Last 6 characters: Branch identifier (alphanumeric). In PUNB0MBGB06, the last six characters are MBGB06, which point to the specific branch.
How to Use IFSC Code
Steps to use the IFSC for NEFT, RTGS and IMPS:
- Open your bank’s netbanking, mobile banking app or visit the branch counter for fund transfer.
- Select the transfer type (NEFT, RTGS or IMPS) — IMPS is immediate and available 24×7, NEFT and RTGS usage depends on the bank’s service hours and rules.
- Enter beneficiary name, bank account number and the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank, Siadatpur Aguani.
- Enter transfer amount and purpose, then verify all details carefully. Confirm the beneficiary if required (many banks ask to add beneficiary before first transfer).
- Authenticate with OTP, netbanking password or UPI PIN as per your channel, and complete the transfer.
- Save or note the transaction reference number for reconciliation and tracking.
Tip: Copy-paste the IFSC to avoid typing errors. Verify the IFSC from your bank passbook, cheque leaf, the branch, or the official bank communication before sending funds.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic payments (NEFT, RTGS, IMPS).
- Reduces failed transfers and reversal delays caused by incorrect branch identification.
- Required when adding a beneficiary in internet banking or mobile apps.
- Helps customer service identify the correct branch in case of disputes or tracking.
- Useful for filling forms that ask for both IFSC and MICR (cheque processing vs electronic payments).
Contact
Branch Phone No: 7061383160
Branch Address: Siadatpur Aguani, Khagaria, 851216
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: Can I use the old UBGB or DBGB IFSC to send money to this branch?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use the consolidated IFSC PUNB0MBGB06 for transfers to Siadatpur Aguani.
Q: Is IFSC case-sensitive? Do I need to enter letters in uppercase?
A: IFSC is not case-sensitive for systems that accept it, but always enter it exactly as provided (commonly shown in uppercase) to avoid manual errors and ensure compatibility.
Q: What is the difference between IFSC and MICR?
A: IFSC routes electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque clearing through the clearing house. For online transfers you need IFSC; for cheque processing the bank uses MICR.
Q: I have the branch code 3533 listed for this branch. How does that relate to the IFSC?
A: The numeric branch code (3533) is an internal identifier used by the bank and sometimes shown on bank records. The last six characters of the IFSC (for example, MBGB06 in PUNB0MBGB06) are the IFSC branch identifier and may be alphanumeric. Use the IFSC for transfers and the branch code only where the bank explicitly asks for it.
Q: What should I do if I suspect an incorrect IFSC was used for a transfer?
A: Contact your bank immediately with the transaction reference number. If the IFSC belongs to a valid branch, funds usually reach that branch; if invalid, the transaction will fail and be reversed. Prompt reporting speeds up recovery for misrouted funds.
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.