Bihar Gramin Bank Saharkola IFSC Code

The Bihar Gramin Bank branch at Saharkola serves customers in Saharkola village and the surrounding areas of Siwan district, Bihar (PIN 841406). For fund transfers (NEFT, RTGS, IMPS) the branch uses a unique IFSC code that identifies the bank and the exact branch. Using the correct IFSC ensures your electronic transfer routes to the intended account quickly, prevents delays and failed transactions, and helps banks reconcile payments accurately.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Saharkola
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100621
Branch Address	Saharkola, SIWAN, 841406, 9297954483
Contact Number	9297954483
City	SIWAN
District	SIWAN
Reason	SIWAN
Pincode	841406
State	Bihar

Merger Update

Important: Some rural banks in Bihar — including branches that were previously under Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) — have been merged into Punjab National Bank (PNB). After this consolidation, these branches now operate under a single IFSC code: PUNB0MBGB06. If Saharkola was earlier listed under UBGB or DBGB, the old UBGB/DBGB IFSC codes are revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions. Always confirm the IFSC before initiating transfers.

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. The structure is:

• First 4 characters — bank identifier (alphabetic). Example: PUNB = Punjab National Bank.
• 5th character — reserved and usually 0.
• Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.

So, the example PUNB0MBGB06 decodes as: PUNB (PNB), 0 (reserved), MBGB06 (specific branch code). The last six characters can include letters and digits and point to the exact branch or the merged entity’s branch code.

How to Use IFSC Code

• Step 1: Collect beneficiary details — account name, account number, and IFSC code (here PUNB0MBGB06), and branch name (Saharkola, SIWAN).
• Step 2: On your bank’s online banking or mobile app choose NEFT, RTGS or IMPS transfer option. NEFT and IMPS are available 24×7; RTGS is also available for round-the-clock settlements as per RBI’s operating hours.
• Step 3: Enter beneficiary name and account number exactly as provided, paste the IFSC code in the IFSC field, and enter the transfer amount and purpose.
• Step 4: Verify details on the confirmation screen — IFSC, account number and beneficiary name must match. For large amounts, banks may ask for additional authentication (OTP, hardware token or app approval).
• Step 5: Submit the transaction and note the transaction reference/UTR for tracking. If a transfer fails or is reversed, use the UTR with your bank’s customer service to trace the payment.
• Tip: If you don’t know the exact branch IFSC, contact the branch phone 9297954483 before sending funds. Do not rely on just a branch name if multiple branches in a city exist.

Benefits of Knowing the IFSC

• Ensures funds reach the exact branch and account without manual intervention.
• Prevents transaction failures and reconciliations that delay credit to beneficiary.
• Required for NEFT, RTGS and IMPS instructions — a mandatory field for electronic transfers.
• Helps customer service locate and trace transactions quickly using the UTR and IFSC.
• Useful for standing instructions, ECS mandate setup and uploading beneficiary lists in bulk.

Contact

Branch phone: 9297954483

Branch Address: Saharkola, SIWAN, 841406

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

Toll free: 18001807777

FAQs

Q: Can I use this IFSC for NEFT, RTGS and IMPS?
A: Yes. Use PUNB0MBGB06 for NEFT, RTGS and IMPS to reach the Saharkola branch account. Confirm with the beneficiary if their account is active at this branch.

Q: What if I enter the wrong IFSC but the correct account number?
A: Banks route transfers primarily by IFSC + account number. If IFSC is incorrect and points to another bank/branch, the transfer can fail or be routed incorrectly. If the account number and IFSC do not match, the receiving bank will generally return the funds. Contact your bank immediately with the UTR to trace and recover funds.

Q: The beneficiary’s bank changed name after a merger. Which IFSC should I use?
A: After consolidation into Punjab National Bank, the valid IFSC is PUNB0MBGB06. Old UBGB/DBGB IFSCs have been revoked; do not use them. Always verify current IFSC with the beneficiary or the branch phone 9297954483.

Q: How can I confirm the branch code portion of the IFSC?
A: The last six characters (for example MBGB06) identify the branch or the merged bank unit. For absolute confirmation, call the branch or your bank’s customer care and provide the full IFSC and account number.

Q: My transfer shows pending for a long time. What should I do?
A: Note the transaction reference/UTR and contact your bank with details (amount, beneficiary account, IFSC, timestamp). If needed, provide the Saharkola branch contact 9297954483 and head office toll-free 18001807777 for trace escalation.

Always double-check IFSC and account number before confirming an electronic transfer. Using the correct IFSC — here PUNB0MBGB06 — avoids delays and ensures safe delivery of funds to the Saharkola branch.