Siwan is a town and district headquarters in the state of Bihar (PIN 841226). This article covers the Bihar Gramin Bank branch at Siwan and gives the exact IFSC code you need for electronic fund transfers. The IFSC code is essential when sending money through NEFT, RTGS or IMPS. Banks and payment systems use it to route your transaction to the correct bank and branch. Entering the wrong IFSC can delay the transfer or cause it to fail.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Siwan |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100616 |
| Branch Address | Siwan, SIWAN, 841226, 9297954584 |
| Contact Number | 9297954584 |
| City | SIWAN |
| District | SIWAN |
| Reason | SIWAN |
| Pincode | 841226 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank (PNB) for operational consistency. The merged branches now use the single IFSC PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. Do not use legacy UBGB/DBGB IFSC codes for fund transfers. Only the new IFSC code above is valid for NEFT, RTGS and IMPS transactions to this branch.
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 payments.
- First 4 characters: Alphabetic code that identifies the bank. Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier. This can be numbers, letters or both. Example: MBGB06 in PUNB0MBGB06.
How to Use IFSC Code for NEFT, RTGS, IMPS
Follow these practical steps when making a transfer from internet banking or mobile banking:
- Add beneficiary: Go to the “Add Beneficiary” or “Manage Payee” screen.
- Enter details: Provide beneficiary name, bank account number, account type, and the IFSC PUNB0MBGB06. Double-check spelling and digits.
- Verify: Banks usually send an OTP to your mobile to confirm adding the beneficiary. Complete this step and wait for beneficiary activation (some banks activate immediately, others take a few hours).
- Select transfer type: Choose NEFT, RTGS or IMPS depending on amount and urgency.
- Enter amount and remarks: Fill amount and any message, then confirm.
- Authorize: Approve the transaction with OTP or transaction PIN as required.
- Confirmation: Note the transaction reference number. Use it for tracking or at the branch if needed.
Practical notes: NEFT is suitable for most payments and has no strict minimum. RTGS is intended for large-value transfers (banks often route amounts above a threshold such as ₹2 lakh), and IMPS is instant and available 24×7 (per-bank transaction limits may apply). Check your bank’s limits and cut-off policies before initiating the transfer.
Benefits of Knowing the IFSC Code
- Makes electronic transfers accurate and fast.
- Prevents delays and misrouting of funds.
- Required to add beneficiaries for NEFT, RTGS and IMPS.
- Useful to verify branch identity when reconciling payments.
- Essential for business payouts and salary credits to the correct branch.
Contact
Branch phone: 9297954584
Branch address: Siwan, SIWAN, 841226, 9297954584
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free number: 18001807777
FAQs
- Q: Is PUNB0MBGB06 the only valid IFSC for this Siwan branch?
A: Yes. After the merger, the valid IFSC for this branch is PUNB0MBGB06. Old UBGB or DBGB IFSCs are revoked and will not work.
- Q: What happens if I enter the wrong IFSC code?
A: If the IFSC points to a different bank/branch from the account number, the transfer may fail or return to the sender. If the IFSC and account number match a different account, funds could be credited to the wrong account. Always verify IFSC and account number before confirming.
- Q: Can I use this IFSC for IMPS and mobile banking?
A: Yes. Use PUNB0MBGB06 when adding the beneficiary for IMPS, NEFT or RTGS through your bank’s mobile or internet banking interface.
- Q: How long does a NEFT/RTGS/IMPS transfer to this branch take?
A: IMPS is usually instant. NEFT and RTGS timings depend on bank processing, but many systems now operate 24×7. If a transfer is initiated outside the bank’s processing window, it may complete in the next settlement cycle. Keep the transaction reference for tracking.
- Q: Where can I verify this IFSC before sending money?
A: Verify the IFSC on a bank passbook, cheque leaf, or by calling the branch at 9297954584. You can also confirm with the branch head office (toll free 18001807777) if you need additional assurance.
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.