Bihar Gramin Bank Sonbarsa Raj IFSC Code

In Sonbarsa Raj, a vibrant locality within the Saharsa district of Bihar, understanding banking codes is essential for modern financial transactions. Whether you’re sending money to family, paying bills, or managing your business finances, the Indian Financial System Code, or IFSC, plays a critical role. This unique alphanumeric code is like a digital address for your bank branch, making sure that funds transferred through systems like NEFT, RTGS, and IMPS reach the correct account safely and quickly.

Branch Details

Here are the complete details for the Bihar Gramin Bank, Sonbarsa Raj branch:

Bank Name	Bihar Gramin Bank
Branch Name	Sonbarsa Raj
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100777
Branch Address	Sonbarsa Raj, SAHARSA, 852221, 9297954284
Contact Number	9297954284
City	SAHARSA
District	SAHARSA
Reason	SAHARSA
Pincode	852221
State	Bihar

Merger Update

The banking landscape in Bihar has seen significant changes. Earlier, there were Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two entities have now merged to form the single Bihar Gramin Bank. This new bank is sponsored by Punjab National Bank.

Because of this merger, all branches of the former UBGB and DBGB now operate under the Bihar Gramin Bank. This also means that their old IFSC codes are no longer valid for transactions. For any fund transfers to or from the Sonbarsa Raj branch, or any other branch of Bihar Gramin Bank, you must use the updated IFSC code: PUNB0MBGB06. Using an old IFSC code will result in your transaction failing.

What is IFSC Code?

The Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code. It’s used to identify every bank branch participating in online money transfers across India.

• The first four characters represent the bank’s name. For Bihar Gramin Bank, sponsored by Punjab National Bank, this is “PUNB”.
• The fifth character is always a zero (0). This character is reserved for future use.
• The last six characters identify the specific branch. In the case of Sonbarsa Raj, these characters are “MBGB06”.

So, PUNB0MBGB06 distinctly points to the Bihar Gramin Bank branch at Sonbarsa Raj.

How to Use IFSC Code

Using the IFSC code is simple when you’re making online fund transfers. Here’s a step-by-step guide for common methods like NEFT, RTGS, and IMPS:

1. Log in to your Net Banking or Mobile Banking App: Access your bank’s online platform.
2. Select Fund Transfer: Choose the option to send money, usually labeled “Fund Transfer” or “Payments”.
3. Add Beneficiary (if new): If you’re sending money to someone for the first time, you’ll need to add them as a beneficiary.
   • Enter the recipient’s name.
   • Enter the recipient’s bank account number.
   • Re-enter the account number to confirm.
   • Enter the IFSC code for the recipient’s bank branch (e.g., PUNB0MBGB06 for Sonbarsa Raj). The bank and branch name should automatically appear for verification.
   • Choose the type of account (Savings, Current, etc.).
4. Select Beneficiary and Amount: After adding or selecting the beneficiary, enter the amount you wish to transfer.
5. Choose Transfer Type:
   • For NEFT (National Electronic Funds Transfer): Best for non-urgent transfers, processed in batches.
   • For RTGS (Real Time Gross Settlement): Used for large value, urgent transfers (usually above ₹2 lakh), processed individually and in real-time.
   • For IMPS (Immediate Payment Service): For instant transfers, available 24/7, even on holidays.
6. Confirm and Authenticate: Review all details and confirm the transaction using your password or OTP (One-Time Password).

Always double-check the IFSC code and account number before confirming any transaction to avoid errors.

Benefits of Knowing Your IFSC

Knowing the correct IFSC code for your bank branch, or for the recipient’s branch, offers several key benefits:

• Accurate Fund Transfers: Ensures your money goes to the correct bank and branch, preventing delays or misdirected funds.
• Faster Transactions: Essential for efficient NEFT, RTGS, and IMPS services, allowing quick movement of money.
• Prevents Transaction Failures: Using the right IFSC avoids errors that would cause your online transfer to fail.
• Mandatory for Online Banking: It’s a required field for setting up beneficiaries and initiating most digital payments.
• Improved Security: Adds another layer of verification, confirming the bank and branch identity for the transaction.

Contact Information

Should you need to get in touch with the bank, here are the relevant contact details:

• Sonbarsa Raj Branch Phone Number: 9297954284
• Sonbarsa Raj Branch Address: Sonbarsa Raj, SAHARSA, 852221, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Bihar Gramin Bank Toll-Free Number: 18001807777

FAQs

Here are some common questions about IFSC codes and Bihar Gramin Bank:

Q1: What happens if I use an old IFSC code for Bihar Gramin Bank after the merger?
A: Your transaction will most likely fail. It’s crucial to use the new, valid IFSC code, PUNB0MBGB06, for all transactions involving Bihar Gramin Bank branches.

Q2: Is it safe to share my IFSC code with others?
A: Yes, the IFSC code is generally safe to share. It only helps identify your bank and branch for receiving funds. It does not give access to your account or funds.

Q3: Can I find the IFSC code offline?
A: Yes, the IFSC code is usually printed on your bank passbook or on a cancelled cheque leaf. You can also find it on the bank’s official website.

Q4: What is the purpose of the MICR Code?
A: The Magnetic Ink Character Recognition (MICR) code, like 800811002 for Sonbarsa Raj, is a 9-digit code primarily used for processing cheques. It helps in faster and error-free clearance of cheques.

Q5: How is Bihar Gramin Bank related to Punjab National Bank?
A: Bihar Gramin Bank is a Regional Rural Bank (RRB) that is sponsored by Punjab National Bank. This means Punjab National Bank provides capital, management support, and sometimes technology to Bihar Gramin Bank, and often their IFSC codes begin with the sponsor bank’s identifier.