The Bihar Gramin Bank branch in SAMAHUTA is located in the Buxar district of Bihar. For any online money transfer to this branch, you will need its unique Indian Financial System Code (IFSC). This 11-character code is essential for all major electronic fund transfer systems in India, including National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). The IFSC code acts like a specific address, ensuring that your money is routed correctly and securely to the intended bank branch without any errors.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | SAMAHUTA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | MBGB06 |
| Branch Address | SAMAHUTA, Buxar, 802117 |
| Contact Number | 7091596947 |
| City | Buxar |
| District | Buxar |
| Region | BHABHUA |
| Pincode | 802117 |
| State | Bihar |
Merger and Updated IFSC Code
It is important to note a significant change in the banking structure. The former Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been amalgamated. This merged entity is now sponsored by Punjab National Bank (PNB). As a result of this merger, the old IFSC codes previously used by UBGB and DBGB branches are no longer valid and have been revoked. For any transaction, you must use the new, updated IFSC code. The new codes, like the one for the SAMAHUTA branch (PUNB0MBGB06), start with ‘PUNB’ to reflect the sponsorship by Punjab National Bank. Using an old code will result in a failed transaction.
What is an IFSC Code?
The Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in the electronic funds transfer network. This code helps to identify the specific branch involved in an online transaction, ensuring the process is smooth and error-free.
The structure of the code is easy to understand:
- First 4 Characters: These represent the bank’s name. For Bihar Gramin Bank, it is PUNB, indicating its sponsor bank, Punjab National Bank.
- Fifth Character: This is always a zero (0). It is reserved for future use by the RBI.
- Last 6 Characters: This part is the unique identifier for the specific branch. In this case, MBGB06 points directly to the SAMAHUTA branch.
How to Use the IFSC Code for Fund Transfers
Using the IFSC code for an online money transfer is a straightforward process. Whether you are using NEFT, RTGS, or IMPS, the steps are generally the same across all banking platforms.
- Log in to your net banking account or mobile banking app.
- Navigate to the ‘Fund Transfer’ or ‘Payments’ section.
- Choose the payment method (NEFT, RTGS, or IMPS).
- Select ‘Add Beneficiary’ or ‘Add Payee’. You will need to enter the recipient’s details here.
- Enter the beneficiary’s name, account number, and the bank’s IFSC Code, which is PUNB0MBGB06 for the SAMAHUTA branch.
- Verify the details and confirm the addition of the beneficiary. After a short cooling period (which varies by bank), you can transfer funds.
Benefits of Using the IFSC Code
- Ensures Accuracy: The primary benefit is that it routes your money to the exact bank branch, eliminating the risk of it going to the wrong place.
- Automates Transactions: The code allows the entire fund transfer process to be automated, reducing the need for manual intervention and minimizing human error.
- Speeds Up Transfers: By correctly identifying the branch, the system can process transactions much faster, especially with services like IMPS.
- Enhances Security: It adds a layer of verification to the transaction, ensuring that the account details match the intended branch.
Contact Information
For any direct inquiries, you can contact the branch or the bank’s head office.
- Branch Phone Number: 7091596947
- Branch Address: SAMAHUTA, Buxar, Bihar – 802117
- Head Office Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
- Toll-Free Number: 1800-180-7777
Frequently Asked Questions
1. What happens if I enter the wrong IFSC code?
If you enter an IFSC code that does not exist, the transaction will be rejected. If you enter a valid but incorrect IFSC code (belonging to another branch), the funds might be credited to an account in that branch if the account number also matches. It is crucial to double-check both the IFSC code and account number before confirming a transaction.
2. Is the IFSC code the same for all branches of Bihar Gramin Bank?
No, each branch has its own unique IFSC code. The first four letters (PUNB) will be the same for all branches under the PNB sponsorship, but the last six characters will be different for each branch to identify it uniquely.
3. Where can I find the IFSC code for my branch?
You can find the IFSC code printed on the cheque leaves of the chequebook issued by your bank. It is also usually printed on the first page of your passbook and can be found on your bank’s official website or mobile app.
4. Can I still use my old UBGB or DBGB IFSC code?
No. After the merger and integration with Punjab National Bank’s systems, all old IFSC codes for Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank have been deactivated. You must use the new ‘PUNB’ series IFSC codes for all transactions to be successful.
5. Is the IFSC code required for all types of transactions?
The IFSC code is mandatory for online inter-bank transfers like NEFT, RTGS, and IMPS. It is not required for transactions within the same bank or for cash deposits at a branch.
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.