Bihar Gramin Bank Sonbarsa Kachhari IFSC Code

If you’re looking to send or receive money to the Bihar Gramin Bank branch at Sonbarsa Kachhari in Saharsa, Bihar, understanding the IFSC code is essential. This unique code acts like a digital address for bank branches, making sure your funds go to the right place quickly and securely when you use services like NEFT, RTGS, or IMPS.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Sonbarsa Kachhari
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100774
Branch Address	Sonbarsa Kachhari, SAHARSA, 852129, 9297954282
Contact Number	9297954282
City	SAHARSA
District	SAHARSA
Pincode	852129
State	Bihar

Merger Update

For those who previously banked with Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), it’s important to know about a significant change. Both of these banks have merged to form the single entity now known as Bihar Gramin Bank. Following this merger, the bank now operates under the sponsorship of Punjab National Bank. As a result, all transactions for Bihar Gramin Bank branches, including Sonbarsa Kachhari, now use an IFSC code starting with “PUNB0”. The specific IFSC code for Sonbarsa Kachhari is PUNB0MBGB06. It’s crucial to understand that any old IFSC codes belonging to UBGB or DBGB are no longer valid. For all fund transfers, only the new, updated IFSC code like PUNB0MBGB06 should be used. Using an old code will cause your transaction to fail.

What is IFSC Code?

The IFSC code stands for Indian Financial System Code. It is an 11-character alpha-numeric code that uniquely identifies every bank branch in India participating in the NEFT system. Think of it as a unique address for each branch. The structure of the code is easy to understand:

• The first four characters represent the name of the bank. For Sonbarsa Kachhari, “PUNB” indicates Punjab National Bank, which sponsors Bihar Gramin Bank.
• The fifth character is always a zero (0). This character is reserved for future use and helps distinguish between the bank code and the branch code.
• The last six characters identify the specific bank branch. In this case, “MBGB06” points to the Sonbarsa Kachhari branch of Bihar Gramin Bank.

This clear structure helps ensure that money sent electronically reaches the correct branch without any errors.

How to Use IFSC Code

Using the IFSC code is a standard part of initiating electronic fund transfers. Here’s how you typically use it for NEFT, RTGS, and IMPS transactions:

1. Gather Recipient Details: Before starting any transfer, you will need the recipient’s full name, their bank account number, their bank’s name, and the specific IFSC code of their bank branch.
2. Log In to Your Banking Portal: Access your online banking account or mobile banking app.
3. Select Transfer Type: Choose the type of transfer you want to make – NEFT (National Electronic Funds Transfer) for deferred settlement, RTGS (Real Time Gross Settlement) for large, immediate transfers, or IMPS (Immediate Payment Service) for instant transfers anytime.
4. Add Beneficiary: If you’re sending money to this person for the first time, you’ll need to add them as a beneficiary. This usually involves entering their name, account number, and the IFSC code.
5. Enter IFSC Code: Carefully type in the IFSC code, PUNB0MBGB06 for the Sonbarsa Kachhari branch, into the designated field. Double-check for any typos.
6. Confirm Details and Amount: Enter the amount you wish to transfer and confirm all the details. Your bank will verify the IFSC code and account number to ensure they match.
7. Complete Transaction: Authorize the transfer, often with an OTP (One-Time Password) sent to your registered mobile number.

The system uses the IFSC code to route your money to the exact branch.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch, or for someone you need to pay, offers several practical advantages:

• Error-Free Transfers: It ensures that your money is sent to the precise bank branch, preventing delays or misdirected funds.
• Faster Processing: When the IFSC code is correct, electronic fund transfers like NEFT, RTGS, and IMPS are processed efficiently and quickly.
• Mandatory for Digital Payments: The IFSC code is a required piece of information for almost all online banking transactions and digital payment systems when transferring money between different banks.
• Security: It adds a layer of security by making sure that only valid bank branches can receive funds through these electronic channels.
• Convenience: Having the code readily available makes it easy to set up new beneficiaries or initiate transfers without needing to search for it each time.

Contact Information

Should you need to reach out to the Sonbarsa Kachhari branch or the bank’s head office, here are the details:

Branch Phone Number: 9297954282

Branch Address: Sonbarsa Kachhari, SAHARSA, 852129, Bihar

Head Office Address (Bihar Gramin Bank):

SHRI VISHNU COMMERCIAL COMPLEX

ASOCHAK, PATNA-800030, BIHAR

Toll-Free Number (Punjab National Bank sponsor): 18001807777

FAQs

Q1: What happens if I use an incorrect IFSC code for a transfer?

A1: If you use an incorrect IFSC code, your transaction will likely fail. The banking system uses this code to identify the specific branch. An invalid code means the system cannot route the money, and the funds will usually be returned to your account.

Q2: Can I use an old UBGB or DBGB IFSC code for Bihar Gramin Bank?

A2: No, old IFSC codes from Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) are no longer valid. Following the merger, all transactions for Bihar Gramin Bank must use the new IFSC codes, which begin with “PUNB0” and reflect its sponsorship by Punjab National Bank.

Q3: Is the IFSC code the same for all branches of Bihar Gramin Bank?

A3: No, the IFSC code is unique to each specific bank branch. While the first five characters (PUNB0) are common across all Bihar Gramin Bank branches under Punjab National Bank, the last six characters are different for every individual branch, like “MBGB06” for Sonbarsa Kachhari.

Q4: How long do NEFT, RTGS, and IMPS transfers take with an IFSC code?

A4: IMPS transfers are typically instant, available 24/7. NEFT transfers are processed in batches, usually taking a few hours on business days. RTGS transfers are real-time for large amounts (typically over ₹2 lakh) and are processed continuously during banking hours.

Q5: Where can I find the IFSC code for my bank or another branch?

A5: You can usually find the IFSC code printed on your bank’s cheque book. It’s also available on your bank’s official website, through your online banking portal, or by contacting your bank directly. Many trusted financial websites also provide IFSC code lookup tools.