Bihar Gramin Bank Sansaraia IFSC Code

If you need to send or receive money at the Bihar Gramin Bank’s Sansaraia branch, understanding its Indian Financial System Code (IFSC) is very important. This unique code acts like a digital address for the branch, making sure your funds go to the right place. It is essential for all electronic money transfers, including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). The Sansaraia branch is located in West Champaran, Bihar, and knowing its correct IFSC code helps ensure your transactions are smooth and secure.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Sansaraia
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100313
Branch Address	Sansaraia, WEST CHAMPARAN, 845438
Contact Number	9297954030
City	WEST CHAMPARAN
District	WEST CHAMPARAN
Region	BETTIAH
Pincode	845438
State	Bihar

Merger Update for Bihar Gramin Bank

The Bihar Gramin Bank is a Regional Rural Bank (RRB) sponsored by Punjab National Bank (PNB). It was formed by the merger of two older banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This merger brought all their operations under a single umbrella, Bihar Gramin Bank.

Because of this merger, all previous IFSC codes that belonged to UBGB or DBGB branches are no longer valid. For all branches of Bihar Gramin Bank, including the Sansaraia branch, you must now use the single, unified IFSC code: PUNB0MBGB06. It is crucial to use this specific code for any electronic fund transfers to ensure your transactions are processed correctly and securely. Using an old or incorrect IFSC code will lead to transaction failures.

What is an IFSC Code?

The IFSC code is an 11-character alphanumeric code. It’s unique for each bank branch in India. The Reserve Bank of India (RBI) assigns these codes. Each part of the code tells you something specific:

• The first four characters identify the bank. For example, ‘PUNB’ stands for Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always ‘0’ (zero). This is kept as a control character for future use.
• The last six characters identify the specific branch. In the case of Sansaraia branch, ‘MBGB06’ is its unique branch code.

This structure helps machines correctly route money to the intended bank and branch.

How to Use the IFSC Code

You will need the IFSC code when performing any electronic fund transfers. Here’s how it generally works:

1. NEFT (National Electronic Funds Transfer): This system allows you to transfer money from one bank account to another across India. When you initiate an NEFT transfer, either online through your bank’s portal or by filling out a form at a branch, you will need to provide the recipient’s bank account number, their bank name, and the correct IFSC code for their branch (e.g., PUNB0MBGB06 for Sansaraia branch).
2. RTGS (Real Time Gross Settlement): RTGS is used for high-value transactions, typically for amounts of INR 2 lakhs or more. The transfer happens in real-time. Similar to NEFT, you’ll need the beneficiary’s account number, bank name, and the exact IFSC code of their branch to complete the transaction.
3. IMPS (Immediate Payment Service): IMPS offers instant 24/7 interbank electronic fund transfers. It’s often used via mobile banking apps. When using IMPS, you’ll again need the recipient’s account details and their branch’s IFSC code. Sometimes, you can also use a Mobile Money Identifier (MMID) along with the recipient’s mobile number.

Always double-check the IFSC code and other recipient details before confirming any transfer to avoid sending money to the wrong account.

Benefits of Knowing the IFSC Code

Knowing the correct IFSC code for Bihar Gramin Bank Sansaraia offers several practical benefits:

• It ensures that your electronic fund transfers (NEFT, RTGS, IMPS) are successful.
• It helps you avoid delays or failed transactions due to incorrect routing.
• It provides security by directing funds to the intended beneficiary’s specific branch.
• It’s essential for setting up recurring payments or direct debits from your account.
• Many online forms, especially for financial services or investments, require an IFSC code.

Contact Information

Sansaraia Branch Contact:

• Branch Phone Number: 9297954030
• Branch Address: Sansaraia, WEST CHAMPARAN, 845438

Bihar Gramin Bank Head Office:

• Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: Can I use an old UBGB or DBGB IFSC code for a Bihar Gramin Bank transaction?

A1: No, you cannot. Following the merger, all old IFSC codes for Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) are no longer valid. You must use the unified IFSC code PUNB0MBGB06 for all Bihar Gramin Bank transactions, including the Sansaraia branch.

Q2: What happens if I use the wrong IFSC code for a transfer?

A2: If you use an incorrect IFSC code, your electronic fund transfer will most likely fail. The transaction will be rejected by the system, and the funds will be returned to your account. This can cause delays in your payment.

Q3: Is the IFSC code the same for all branches of Bihar Gramin Bank?

A3: No, the first five characters (PUNB0) are common, but the last six characters are unique for each branch. For instance, Sansaraia branch uses ‘MBGB06’, but another branch will have a different six-character ending. Always confirm the specific branch code.

Q4: Where can I find the IFSC code for a bank branch?

A4: You can find the IFSC code on your bank’s cheque book, passbook, or account statement. It is also available on your bank’s official website, the Reserve Bank of India (RBI) website, or reliable third-party financial websites. For Bihar Gramin Bank Sansaraia, it is PUNB0MBGB06.

Q5: Is the MICR code also important for online transfers?

A5: The MICR (Magnetic Ink Character Recognition) code is primarily used for clearing cheques. While it’s a unique code for a branch, it’s generally not required for NEFT, RTGS, or IMPS online transfers. For these digital transfers, the IFSC code is the key identifier.