Bihar Gramin Bank Sahwajpur_I IFSC Code

Bihar Gramin Bank, Sahwajpur_I branch is located in Sahwajpur_I, Muzaffarpur district, Bihar, PIN 843125. The branch serves retail and rural customers in and around Muzaffarpur. For electronic fund transfers such as NEFT, RTGS and IMPS, the IFSC code is essential. The IFSC uniquely identifies the bank and branch for routing payments. Entering the correct IFSC ensures transfers reach the right account quickly and reduces the risk of failed or misdirected transactions.

Branch Details

Merger Update

The Sahwajpur_I branch uses the IFSC PUNB0MBGB06 under Punjab National Bank (PNB). Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single banking structure and now operate under the PNB IFSC PUNB0MBGB06 for this branch. Old UBGB and DBGB IFSC codes linked to this branch have been revoked. For all NEFT/RTGS/IMPS transactions, use only the new IFSC PUNB0MBGB06. Payments made using revoked IFSCs will fail or be delayed.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic payment systems.

• First 4 characters: Bank code (letters). Example: PUNB = Punjab National Bank.
• 5th character: Always ‘0’ (reserved for future use).
• Last 6 characters: Branch code (letters or numbers). Example: MBGB06 in PUNB0MBGB06.

How to Use IFSC Code for NEFT, RTGS, IMPS

• Step 1 — Find the IFSC: Use the branch details above, a cheque leaf, passbook, or official bank communication to get the IFSC. For this branch use PUNB0MBGB06.
• Step 2 — Choose transfer method: NEFT (no minimum, batch/real-time depending on bank), RTGS (for ₹2,00,000 and above), or IMPS (instant, up to the bank’s per-transaction limit). All three require the IFSC when you transfer to an account number.
• Step 3 — Add beneficiary: In your internet/mobile banking or branch form enter beneficiary name, account number, and IFSC. Double-check spelling and numbers.
• Step 4 — Verify details: Most systems show the beneficiary account name after you input IFSC + account number. Confirm the name matches before proceeding.
• Step 5 — Authorize payment: Complete authentication (OTP, token, or transaction PIN). Keep the transaction reference for tracking.
• Note: UPI transfers use a Virtual Payment Address (VPA) and generally do not require IFSC. IMPS can be done with MMID or with IFSC+account number—use the method your bank supports.

Benefits of Knowing the IFSC

• Ensures funds are routed to the correct bank branch.
• Reduces failed or returned transactions.
• Required to add beneficiaries in netbanking and mobile apps.
• Helps customer service trace and resolve transfer issues faster.
• Useful for receiving refunds and vendor payments without delays.

Contact

Branch Phone: 9297955404

Branch Address: Sahwajpur_I, MUZAFFARPUR, 843125

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free No: 18001807777

FAQs

• Q: Can I use a different IFSC for this branch?
  
  A: No. Use only PUNB0MBGB06 for the Sahwajpur_I branch. Old UBGB/DBGB codes for this branch are revoked after the merger.
• Q: What happens if I enter the wrong IFSC?
  
  A: If the wrong IFSC points to another valid branch, the funds may go to a different account. If it is invalid, the transaction will fail and return to the sender. Always verify the beneficiary name shown by your bank before confirming.
• Q: Which transfer method should I use for a fast, low-value payment?
  
  A: Use IMPS for instant transfers any time. NEFT is reliable for many amounts and now runs 24×7. Use RTGS for high-value immediate settlement (typically ₹2,00,000 and above).
• Q: Where else can I find the IFSC apart from this page?
  
  A: Check your cheque leaf, bank passbook, account statement, or official bank communications. You can also confirm the IFSC at the branch or call the branch phone 9297955404.
• Q: Has the IFSC for this branch changed because of the merger?
  
  A: Yes. After the merger into Punjab National Bank, this branch now uses PUNB0MBGB06. Old UBGB/DBGB IFSCs related to this branch are revoked and should not be used.

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.