The Sahkund branch of Bihar Gramin Bank is located in Sahkund, Bhagalpur district, Bihar (pincode 813108). This branch serves local residents and businesses for deposits, withdrawals, loans and payments. For electronic fund transfers such as NEFT, RTGS and IMPS you must use the correct IFSC code. The IFSC identifies the bank and the specific branch. Using the right IFSC ensures funds are routed correctly and the transfer completes without delays or reversals.
Bihar Gramin Bank Sahkund IFSC Code
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Sahkund |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3618 |
| Branch Address | Sahkund, Bhagalpur, 813108, 8102918751 |
| Contact Number | 8102918751 |
| City | Bhagalpur |
| District | Bhagalpur |
| Reason | BHAGALPUR |
| Pincode | 813108 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under the sponsor bank, Punjab National Bank. All former UBGB/DBGB branches now use the single IFSC code PUNB0MBGB06 for transactions. Old UBGB and DBGB IFSC codes have been revoked. For NEFT, RTGS and IMPS transfers to any merged branch, you must use the new IFSC PUNB0MBGB06. Using revoked or old IFSCs can cause failed transfers or returns.
What is an IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code. It identifies a bank and a specific branch for electronic payments.
- First 4 characters: Bank code. Example: PUNB = Punjab National Bank.
- Fifth character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier (can be letters and numbers). Example: in PUNB0MBGB06, the last 6 are MBGB06.
Note: The IFSC points to the branch’s electronic payments interface. MICR (like 800811002) is different — it’s used mainly for processing paper cheques.
How to Use IFSC Code (NEFT, RTGS, IMPS)
Below are practical steps to add a beneficiary and send funds using the Sahkund IFSC.
- Step 1 — Log in: Open your bank’s netbanking site or mobile app and authenticate (password, fingerprint or OTP).
- Step 2 — Add beneficiary: Choose “Add Beneficiary” or “New Payee.” Enter beneficiary name and account number exactly as the recipient’s bank account records show.
- Step 3 — Enter IFSC: For Sahkund branch, enter PUNB0MBGB06. Confirm the code carefully — a wrong IFSC can route funds to a different branch.
- Step 4 — Choose transfer type: Select NEFT, RTGS or IMPS as required. IMPS is instant and available 24×7. NEFT is for normal transfers (now typically available round-the-clock), RTGS is for high-value transfers and processes individually.
- Step 5 — Enter amount & confirm: Input amount, purpose, and any additional details. Confirm with OTP or transaction PIN. Keep the reference/UTR for tracking.
- Step 6 — Check status: Use the transaction or UTR number to track on your bank’s portal or to query the bank if there is any delay.
Example: To transfer Rs. 20,000 to Sahkund, add beneficiary with account number XXXXXX and IFSC PUNB0MBGB06, choose NEFT or IMPS, enter amount, authenticate and complete.
Benefits of Knowing the IFSC
- Ensures funds reach the correct bank branch without manual intervention.
- Reduces failed transfers and return charges.
- Needed for all electronic transfers (NEFT/RTGS/IMPS) and some bank forms.
- Enables quick verification when reconciling payments and receipts.
- Helps customer service identify branch details during dispute resolution.
Contact
Branch Phone: 8102918751
Branch Address: Sahkund, Bhagalpur, 813108
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only IFSC I should use for Sahkund branch?
A: Yes. After the merger, the valid IFSC for the merged branches under Punjab National Bank is PUNB0MBGB06. Old UBGB/DBGB IFSCs are revoked and should not be used.
Q: What happens if I enter the wrong IFSC but correct account number?
A: IFSC determines the destination branch. If the IFSC points to a different branch but the account number matches an existing account there, the transfer could still succeed but go to a different account. If the account number does not exist in the branch identified by IFSC, the transfer will usually fail and be returned. Always verify both account number and IFSC.
Q: Do I need IFSC to use UPI?
A: No. UPI uses Virtual Payment Addresses (VPAs) and does not require IFSC for regular P2P payments. However, banks may need IFSC for some UPI-linked bank account setups or when adding beneficiaries through netbanking.
Q: What is the difference between IFSC and MICR?
A: IFSC (11 characters) is for electronic transfers (NEFT/RTGS/IMPS). MICR (usually 9 digits, here 800811002) is used by clearinghouses to process paper cheques rapidly. Both identify the bank/branch but are used in different systems.
Q: How quickly do transfers to Sahkund branch settle?
A: IMPS is usually instant (24×7). NEFT now operates round-the-clock in many banks with near real-time or scheduled batching; RTGS processes in real time suitable for large-value transfers. Settlement speed also depends on the sending bank’s processing windows and cut-offs. Keep the transaction UTR for tracking.
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.