Bihar Gramin Bank Sarfuddinpur IFSC Code

Bihar Gramin Bank, Sarfuddinpur branch is located in Sarfuddinpur village, Muzaffarpur district, Bihar (PIN 843118). This IFSC information is important when you send or receive funds through NEFT, RTGS or IMPS. The IFSC uniquely identifies the bank and the branch so the payment network routes money to the correct account. Entering the correct IFSC avoids delays, failed transfers and refund hassles.

Branch Details Table

Merger Update

This branch operates under the single IFSC code PUNB0MBGB06 issued by Punjab National Bank. The previously separate rural banks in the region — Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) — have been merged into a unified structure and now use the Punjab National Bank IFSC prefix. Old UBGB and DBGB IFSC codes have been revoked. For all NEFT/RTGS/IMPS transactions you must use the new IFSC PUNB0MBGB06; older codes will not work.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used by the RBI payment systems to route electronic payments. The format is:

• First 4 characters = bank identifier (for example, PUNB = Punjab National Bank).
• 5th character = reserved and is always 0.
• Last 6 characters = branch identifier (alphanumeric) that points to the specific branch, for example MBGB06 in PUNB0MBGB06.

Note: The numeric branch code used internally (for example 100030) may not match the last six characters of the IFSC exactly; the IFSC is the authoritative routing code for electronic transfers.

How to Use IFSC Code (NEFT, RTGS, IMPS)

• Obtain the correct IFSC from the beneficiary or from branch documentation. Confirm the IFSC and account number directly with the beneficiary when possible.
• Log in to your bank’s netbanking or mobile banking app, or visit a branch ATM that supports fund transfers.
• Choose the transfer type: NEFT, RTGS (for high-value real-time settlement) or IMPS (instant, 24×7).
• Add a new beneficiary: enter the beneficiary name, account number, and the IFSC PUNB0MBGB06 for Sarfuddinpur branch. Provide purpose if requested.
• Submit beneficiary details and complete any required validation (OTP, in-bank approval). Validation may take minutes to hours depending on bank policy.
• Once the beneficiary is active, create the transfer: enter amount, select transfer mode (NEFT/RTGS/IMPS) and confirm. You will typically receive an OTP to authorize the payment.
• Keep the transaction reference number and check beneficiary account for credit. For failed or returned transactions, contact your bank with the reference number.
• For RTGS and NEFT check cut-off timings and service availability with your bank. IMPS is generally immediate and available 24×7, while NEFT/RTGS timing may be subject to service windows or batch cycles as per your bank’s implementation.

Benefits of Knowing the IFSC

• Ensures funds are routed to the exact branch and account without manual intervention.
• Reduces failed transfers and the time taken to get refunds.
• Allows fast electronic transfers through NEFT, RTGS and IMPS.
• Required when adding beneficiaries in internet and mobile banking.
• Helps bank staff locate branch details for reconciliations or dispute resolution.

Contact

Branch phone: 9297947110
Branch address: Sarfuddinpur, MUZAFFARPUR, 843118
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777

FAQs

Q: Can I use the IFSC PUNB0MBGB06 for all electronic transfers to Sarfuddinpur branch?
A: Yes. Use PUNB0MBGB06 for NEFT, RTGS and IMPS transfers to accounts at the Sarfuddinpur branch. Old UBGB/DBGB IFSCs are invalid.

Q: How do I verify the IFSC before sending money?
A: Verify by calling the branch number (9297947110) or checking the printed passbook or bank statement. Always confirm account number and IFSC directly with the beneficiary if possible.

Q: What happens if I enter a wrong IFSC?
A: If the IFSC leads to a different branch but the account number exists there, funds may be credited to that account. If no matching account is found, the payment will typically be returned to the originator. Contact your bank immediately with the transaction reference to initiate tracing.

Q: Is IFSC the same as MICR?
A: No. IFSC is used for electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) code like 800811002 is used mainly for processing physical cheques.

Q: Can I use IFSC for UPI payments?
A: UPI uses a Virtual Payment Address (VPA) and does not require IFSC during a typical UPI transfer. IFSC is required when adding a beneficiary for bank-to-bank NEFT/RTGS/IMPS.

Kriti Kumari

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.