The Bihar Gramin Bank, RO SASARAM branch, located in Rohtas, Bihar, serves as a crucial banking touchpoint for the local community and surrounding areas. To facilitate modern financial transactions, an Indian Financial System Code (IFSC) is essential. This unique 11-character alphanumeric code acts like a digital address for bank branches, enabling seamless and secure fund transfers through systems like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). Whether you’re sending money to family, paying bills, or managing business finances, the correct IFSC code ensures your funds reach the intended recipient without delay.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | RO SASARAM |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7408 |
| Branch Address | RO SASARAM, Rohtas, 821115, 9771446161 |
| Contact Number | 9771446161 |
| City | Rohtas |
| District | Rohtas |
| Reason | SASARAM |
| Pincode | 821115 |
| State | Bihar |
Merger Update
Bihar Gramin Bank is the result of a significant merger in the regional rural banking sector. Previously, there were two distinct entities: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks merged to form a single, stronger entity, Bihar Gramin Bank. As part of this consolidation, all branches of the former UBGB and DBGB now operate under the unified Bihar Gramin Bank umbrella. A key change for customers is the standardization of IFSC codes. All branches, including RO SASARAM, now use a single, common IFSC code: PUNB0MBGB06. This code is issued and managed by Punjab National Bank, which is the sponsor bank for Bihar Gramin Bank. It is crucial to note that any old IFSC codes previously used by UBGB or DBGB branches have been officially revoked. For any financial transactions, only the new, standardized IFSC code, PUNB0MBGB06, is valid and must be used.
What is an IFSC Code?
The IFSC code is an 11-character alphanumeric code unique to each bank branch in India. It’s designed by the Reserve Bank of India (RBI) to identify individual branches for electronic fund transfers. Understanding its structure can be helpful:
- The first four characters represent the bank name. For Bihar Gramin Bank, this is PUNB, indicating Punjab National Bank, its sponsor bank.
- The fifth character is always a zero (0). This is a control character reserved for future use.
- The last six characters uniquely identify the specific branch. For RO SASARAM, these are MBGB06.
This systematic structure ensures that every transaction is directed to the exact branch intended, minimizing errors in electronic transfers.
How to Use an IFSC Code
Using the IFSC code is a straightforward process when you’re performing an electronic fund transfer. Here are the typical steps for NEFT, RTGS, and IMPS:
- Log in to Net Banking or Mobile Banking: Access your bank’s online platform or mobile app.
- Select Fund Transfer Option: Look for options like “Fund Transfer,” “NEFT,” “RTGS,” or “IMPS.”
- Add Beneficiary: If it’s your first time sending money to this recipient, you’ll need to add them as a new beneficiary.
- Enter Beneficiary Details:
- Enter the recipient’s name.
- Enter the recipient’s bank account number (you’ll usually need to enter it twice to confirm).
- Enter the recipient’s bank name (e.g., Bihar Gramin Bank).
- Enter the IFSC Code: This is where you’ll input PUNB0MBGB06 for the RO SASARAM branch.
- Confirm and Save: Review the details and save the beneficiary. Your bank might require an OTP (One-Time Password) or transaction password to complete this step.
- Initiate Transfer: Once the beneficiary is added (or if they’re already added), select them from your list, enter the amount you wish to transfer, and choose the transfer type (NEFT, RTGS, or IMPS).
- Confirm Transaction: Verify all details one last time and confirm the transfer. You’ll typically receive a confirmation message or email.
Always double-check the IFSC code and account number before confirming any transaction to avoid sending money to the wrong account.
Benefits of Knowing Your IFSC Code
Knowing the correct IFSC code for your branch, or for a branch you wish to send money to, offers several important benefits:
- Enables Electronic Fund Transfers: It’s mandatory for all NEFT, RTGS, and IMPS transactions, allowing you to send and receive money digitally.
- Ensures Accuracy: The unique code ensures funds are directed to the precise bank branch, reducing the chance of errors.
- Faster Processing: Correct IFSC codes help banks process transactions efficiently and quickly, especially for IMPS.
- Secure Transactions: It adds a layer of security by clearly identifying the destination branch within the banking network.
- Convenience: You can transfer funds from anywhere at any time using online banking, without needing to visit a branch in person.
Contact Section
For inquiries related to the Bihar Gramin Bank RO SASARAM branch or general banking services, you can use the following contact details:
- Branch Phone Number: 9771446161
- Branch Address: RO SASARAM, Rohtas, 821115, Bihar
- Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 18001807777
FAQs
Here are some common questions about IFSC codes and Bihar Gramin Bank:
Q1: Can I use an old IFSC code for Bihar Gramin Bank if I had an account with UBGB or DBGB?
A1: No, you cannot. Following the merger, all old IFSC codes for Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been revoked. You must use the new, standardized IFSC code PUNB0MBGB06 for all transactions involving Bihar Gramin Bank branches, including RO SASARAM.
Q2: What happens if I accidentally enter the wrong IFSC code during a transaction?
A2: If the entered IFSC code doesn’t match the account number or bank details, the transaction will likely fail and be reversed. However, if the wrong IFSC code belongs to another valid branch and the account number also matches an account at that different branch, the funds might be transferred incorrectly. Always double-check both the IFSC code and the account number to prevent such issues.
Q3: Is the MICR code also important for online transfers?
A3: The MICR (Magnetic Ink Character Recognition) code is primarily used for clearing physical cheques. While it’s part of the branch details, it is generally not required for online electronic fund transfers like NEFT, RTGS, or IMPS. For digital transfers, the IFSC code is the key identifier.
Q4: How can I find the IFSC code for another Bihar Gramin Bank branch?
A4: You can usually find the IFSC code on your chequebook, bank passbook, or by visiting the official website of Bihar Gramin Bank or its sponsor bank, Punjab National Bank. Many reliable third-party financial websites also provide IFSC code lookup tools.
Q5: What is the difference between NEFT, RTGS, and IMPS?
A5: All three are electronic fund transfer methods:
- NEFT (National Electronic Funds Transfer): Processes transactions in batches hourly. Funds are typically credited within a few hours. No minimum or maximum amount.
- RTGS (Real Time Gross Settlement): Processes transactions individually and immediately on a “real-time” basis. Used for large value transfers, with a minimum amount of 2 lakh rupees (₹200,000).
- IMPS (Immediate Payment Service): Provides instant, 24/7 interbank electronic fund transfer through mobile phones and internet banking. There are transaction limits per day.
All these methods require the correct IFSC code.
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.