The RAMCHANDAR SEMARIA branch of Bihar Gramin Bank is located in Ramchandar Semaria village in Bhojpur district of Bihar (PIN 802165). This branch serves local customers for deposits, withdrawals, remittances and other rural banking services. For electronic fund transfers — NEFT, RTGS and IMPS — the correct IFSC code is essential. The IFSC uniquely identifies the bank and branch in the RBI/NEFT system, ensuring your funds reach the intended account without delay or rejection.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | RAMCHANDAR SEMARIA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6925 |
| Branch Address | RAMCHANDAR SEMARIA, Bhojpur, 802165, 7091596925 |
| Contact Number | 7091596925 |
| City | Bhojpur |
| District | Bhojpur |
| Reason | ARA |
| Pincode | 802165 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into a single entity under Punjab National Bank’s sponsorship. As part of that consolidation, branches now operate under the IFSC code PUNB0MBGB06. Old IFSC codes that belonged to UBGB or DBGB have been revoked. For any electronic transfer to this branch, use only the new IFSC PUNB0MBGB06. Transactions attempted with old UBGB/DBGB IFSCs will be rejected or delayed.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alpha-numeric code used by RBI and payment systems to route messages to specific bank branches.
- First 4 characters — identify the bank. Example: PUNB = Punjab National Bank.
- 5th character — is always 0 (reserved for future use).
- Last 6 characters — identify the specific branch. In PUNB0MBGB06, MBGB06 is the branch identifier used in the payment network.
How to Use IFSC Code
- Open your bank’s internet banking, mobile app, or visit the branch to start a fund transfer.
- Choose the transfer type: NEFT, RTGS or IMPS. IMPS and many NEFT services are available 24/7; RTGS is for real-time gross settlement.
- Enter beneficiary name, account number, and the IFSC code PUNB0MBGB06 exactly as shown.
- Verify the beneficiary bank and branch name shown by your app before confirming.
- Enter the transfer amount and any required beneficiary remark. Confirm using OTP or transaction PIN as per your bank’s process.
- Keep the transaction reference number. Check the beneficiary’s account after the expected settlement time to confirm receipt.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds reach the exact branch and account without manual intervention.
- Faster processing: Correct IFSC reduces rejection and returns during NEFT/RTGS/IMPS.
- Required for digital transfers: Most online forms mandate IFSC for beneficiary addition.
- Useful for verifying branch identity: Cross-check IFSC with branch name, MICR and address.
- Helps when using third-party payment platforms and payroll systems that require branch-level identification.
Contact
Branch phone no: 7091596925
Branch Address: RAMCHANDAR SEMARIA, Bhojpur, 802165
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Can I use PUNB0MBGB06 for NEFT, RTGS and IMPS to this branch?
A: Yes. Use PUNB0MBGB06 for NEFT, RTGS and IMPS transfers to the RAMCHANDAR SEMARIA branch. This is the valid IFSC after the merger.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the account’s bank/branch, the transfer may be rejected or routed to a different branch. Always verify the beneficiary details displayed by your bank before confirming.
Q: Where can I find IFSC on my cheque or passbook?
A: IFSC is usually printed on the top of the cheque leaf near the bank logo. It may also be printed on the passbook or account-opening documentation.
Q: Is MICR the same as IFSC?
A: No. MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque clearing. IFSC is an 11-character code used for electronic fund transfers. For this branch, MICR is 800811002.
Q: The branch code field says 6925. How does that relate to IFSC?
A: The branch code (6925) is the bank’s internal numeric identifier for the branch. The IFSC’s last six characters (MBGB06) are the payment-system identifier for the branch. Both identify the branch but are used in different systems and formats.
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.