The Bihar Gramin Bank branch at Safia Sarai serves customers in Munger (Monghyr), Bihar (PIN 811214). This page lists the branch details and the IFSC code used to route electronic fund transfers. IFSC (Indian Financial System Code) is required when you make NEFT, RTGS or IMPS transfers. Using the correct IFSC ensures the payment reaches the exact bank branch and avoids failed or delayed transfers.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Safia Sarai |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3213 |
| Branch Address | Safia Sarai, Munger (Monghyr), 811214, 8102918719 |
| Contact Number | 8102918719 |
| City | Munger (Monghyr) |
| District | Munger (Monghyr) |
| Reason | BHAGALPUR |
| Pincode | 811214 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under a single sponsorship and now operate with the IFSC PUNB0MBGB06 under Punjab National Bank (PNB). All old UBGB IFSC codes have been revoked. For electronic transfers (NEFT, RTGS, IMPS) you must use the new IFSC PUNB0MBGB06. Transactions attempted with old UBGB IFSCs will fail or be returned.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alpha-numeric code used to identify bank branches in electronic payment systems. Its structure:
- First 4 characters – alphabetic bank code (example: PUNB for Punjab National Bank).
- 5th character – always 0 (reserved for future use).
- Last 6 characters – branch identifier (alphanumeric). In PUNB0MBGB06 the last 6 characters are MBGB06, which point to the specific branch.
This fixed format makes automated routing reliable across NEFT, RTGS and IMPS systems.
How to Use IFSC Code
Follow these steps to send money using NEFT, RTGS or IMPS:
- Open your bank’s netbanking portal or mobile banking app.
- Choose the transfer type: NEFT, RTGS (for large-value real-time settlement) or IMPS (instant 24×7 transfers).
- Select “Add Beneficiary” (if the recipient is new). Enter beneficiary name, account number, and the IFSC PUNB0MBGB06. Also enter branch name if requested.
- Complete any bank-required verification (OTP, token). Some banks impose a cooling period for newly added beneficiaries—often immediate, sometimes a few hours to 24 hours.
- After beneficiary is active, enter the amount and initiate the transfer. Verify beneficiary name and account number shown by your bank before confirming.
- Save transaction reference or UTR number for tracking. Use the UTR to follow up with the bank if needed.
Always double-check the IFSC and account number. An incorrect IFSC can route the payment to the wrong branch or cause rejection.
Benefits of Knowing the IFSC
- Ensures accurate routing of funds to the intended branch and account.
- Required field for NEFT, RTGS and IMPS transfers—without it transactions cannot be processed reliably.
- Saves time: entering the correct IFSC reduces failed transfers and related bank follow-ups.
- Helps in reconciliation—UTR numbers are tied to IFSC/branch details for tracing.
- Useful for bulk payments or payroll where branch-level routing matters (branch code in last 6 characters).
Contact
Branch Phone: 8102918719
Branch Address: Safia Sarai, Munger (Monghyr), 811214
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use the old UBGB IFSC for transfers?
A: No. Old UBGB IFSC codes have been revoked after the merger. Use only the new IFSC PUNB0MBGB06 for transactions.
Q: Is IFSC the same as MICR?
A: No. IFSC is used for electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for clearing paper cheques. For electronic transfers you must use IFSC, not MICR.
Q: What if I enter the wrong IFSC but correct account number?
A: If the wrong IFSC maps to another valid branch, the bank may route the funds to that branch and reconciliation will be required. If the IFSC is invalid, the transfer will typically fail and be returned. Always verify both IFSC and account number before confirming.
Q: Which transfer method should I use—NEFT, RTGS or IMPS?
A: Use IMPS for instant, low- to medium-value transfers available 24×7. NEFT is suitable for routine transfers; it settles in batches. RTGS is meant for high-value, immediate gross settlement. Choose based on urgency and bank limits.
Q: How do I confirm the beneficiary after adding the IFSC and account?
A: After adding, your bank will usually show the beneficiary name (retrieved using account and IFSC). Cross-check that displayed name matches the recipient. Complete the bank’s verification (OTP/token) and wait for the beneficiary activation (may be immediate or take a few hours).
If you need any specific guidance on adding this branch as a beneficiary in your bank’s app, tell me which bank or app you use and I’ll give step-by-step instructions.
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.