The Bihar Gramin Bank branch at Sakara is located in Muzaffarpur district, Bihar (PIN 843105). This page gives the branch details you need for digital fund transfers. The IFSC code is essential for NEFT, RTGS and IMPS transfers. Banks use IFSC to route transactions to the correct bank and branch. Entering the right IFSC avoids failed transfers, delays and incorrect routing of funds.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Sakara |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100109 |
| Branch Address | Sakara, MUZAFFARPUR, 843105, 9297955406 |
| Contact Number | 9297955406 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 843105 |
| State | Bihar |
Merger Update
Note: This branch now uses the single IFSC code PUNB0MBGB06 under Punjab National Bank. Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a unified structure and the new IFSC under PNB is in use. Old UBGB or DBGB IFSC codes have been revoked. For fund transfers, use only PUNB0MBGB06; transactions sent to old IFSCs may fail or be rejected.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems. Its structure:
- First 4 characters = bank identifier (example: PUNB for Punjab National Bank).
- 5th character = usually 0 (reserved).
- Last 6 characters = branch identifier (alphanumeric). Example: in PUNB0MBGB06, the last six are MBGB06.
The IFSC must match the beneficiary branch exactly for NEFT, RTGS, and IMPS routing.
How to Use IFSC Code for NEFT / RTGS / IMPS
- Open your bank’s netbanking or mobile app. Choose the transfer type: NEFT, RTGS or IMPS.
- Select “Add Beneficiary” (or “New Payee”).
- Enter beneficiary name, account number and the IFSC: PUNB0MBGB06 for Bihar Gramin Bank, Sakara branch.
- Also verify MICR (800811002) if your bank asks or if you want to cross-check branch details.
- Save the beneficiary. Complete any additional verification your bank requires (OTP, transaction PIN, or in-branch activation).
- Initiate the transfer. For NEFT/RTGS choose the appropriate service; IMPS is instant and available 24×7 for smaller amounts depending on bank limits.
- Record the UTR/reference number shown after the transaction. Use it to track or dispute failed transfers.
- If the transfer fails or is reversed, contact the beneficiary branch using the branch phone number and provide the UTR and transaction details.
Practical tips: always re-check the account number and IFSC before confirming. NEFT and IMPS are generally available round-the-clock, but check your bank’s processing windows for RTGS or high-value transfers.
Benefits of Knowing the IFSC
- Ensures funds go to the correct branch and account.
- Required for adding beneficiaries for NEFT, RTGS and IMPS.
- Reduces errors and failed transactions.
- Makes reconciliation and dispute resolution easier using the correct branch code and UTR.
- Helps verify branch identity when you have account number and MICR details.
Contact
Branch Phone: 9297955406
Branch Address: Sakara, MUZAFFARPUR, 843105
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only IFSC I should use for this Sakara branch?
A: Yes. Use only PUNB0MBGB06. Old IFSCs from UBGB or DBGB have been revoked after the merger and will not route transactions.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC does not match any branch, the transaction will usually be rejected and funds returned to the sender. If the IFSC matches a different branch but the account number belongs elsewhere, the receiving bank may still credit the account if account number and name match. Still, this risks delay; always verify both account number and IFSC.
Q: How is IFSC different from MICR?
A: IFSC is used for electronic funds transfer routing (NEFT/RTGS/IMPS). MICR (a 9-digit numeric code, here 800811002) is used mainly for processing cheques and sorting within the clearing system. Both identify branches but serve different systems.
Q: Can I transfer money at any time using IFSC?
A: IMPS is generally immediate and available 24×7. NEFT and RTGS are electronic transfer systems; many banks now support NEFT/RTGS 24×7, but processing policies and cut-offs can vary. Check with your bank for exact timings for large-value RTGS transfers.
Q: How do I verify this IFSC independently?
A: Confirm the IFSC from the beneficiary’s bank passbook, cheque leaf or by calling the branch contact number (9297955406). You can also ask the account holder to show a bank document that lists the IFSC and branch address before initiating large transfers.
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.