Samsa is a branch of Bihar Gramin Bank located in Begusarai district, Bihar (PIN 851128). This branch serves local residents and businesses for deposits, withdrawals, and electronic payments. For any online fund transfer to this branch — whether NEFT, RTGS, or IMPS — the correct IFSC code is mandatory. The IFSC uniquely identifies the bank and branch in the electronic payment system and ensures funds are routed to the right account without manual intervention.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Samsa |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3820 |
| Branch Address | Samsa, Begusarai, 851128, 8102918662 |
| Contact Number | 8102918662 |
| City | Begusarai |
| District | Begusarai |
| Reason | BEGUSARAI |
| Pincode | 851128 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been integrated under Punjab National Bank’s systems. Both banks now use the single IFSC code PUNB0MBGB06 for electronic transactions. Old UBGB and DBGB IFSC codes have been revoked. For fund transfers, only the new IFSC PUNB0MBGB06 is valid; do not use legacy IFSC codes.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments. The structure is fixed:
- First 4 characters: bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character: reserved and always 0.
- Last 6 characters: branch identifier (alphanumeric). Example: MBGB06 identifies the specific branch code segment.
Example: PUNB0MBGB06 — PUNB (bank) + 0 (reserved) + MBGB06 (branch). Note: the last six characters may not exactly match the printed branch code number but uniquely identify the branch in the electronic network.
How to Use IFSC Code for NEFT, RTGS, IMPS
Follow these steps when making an online transfer to the Samsa branch:
- Add beneficiary in your internet/mobile banking or UPI-enabled app. Enter the beneficiary name exactly as on the account.
- Enter the beneficiary account number and the beneficiary bank’s IFSC: PUNB0MBGB06.
- Choose the transfer type:
- NEFT — works in hourly/net settlement batches; no minimum amount. Suitable for most transfers.
- RTGS — real-time gross settlement for large-value transfers. Typically used for amounts of ₹2,00,000 and above (minimum and limits set by RBI/banks).
- IMPS — immediate payment service; available 24×7 for small and medium-value transfers subject to bank limits (often up to a few lakhs per day depending on the bank).
- Enter the transfer amount and any required remarks. Verify all details before confirming.
- Confirm the transaction using OTP/2FA as required by your bank. For NEFT, allow settlement time; for RTGS and IMPS the transfer is typically immediate or near-immediate.
- If you added a new beneficiary, wait for the bank’s activation period (may be immediate or up to a few hours) before initiating the transfer.
Example: To send ₹50,000 from your account, add the beneficiary with IFSC PUNB0MBGB06, choose NEFT or IMPS, confirm details, and authorize with OTP.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without manual routing.
- Required for all electronic transfers (NEFT, RTGS, IMPS) and many online payment forms.
- Reduces failed transactions and refund delays caused by incorrect bank details.
- Helps customer service quickly identify and trace transactions using branch identifiers (IFSC + MICR).
- Useful when filling bank details on forms, payroll, vendor payments, and government transfers.
Contact
Branch Phone: 8102918662
Branch Address: Samsa, Begusarai, 851128
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is the IFSC PUNB0MBGB06 case-sensitive?
A: No. IFSC comparisons are not case-sensitive, but enter it exactly as provided to avoid typing errors.
Q: Can I use the MICR code for online fund transfers?
A: No. MICR (800811002) is used for cheque clearing and processing. For NEFT/RTGS/IMPS you must use the IFSC (PUNB0MBGB06).
Q: What happens if I enter a wrong IFSC but correct account number?
A: If the IFSC points to another branch that exists and the account number is valid there, the funds may be credited to that different account. If the IFSC or account number is invalid, the transaction will fail or return to sender. Always verify both IFSC and account number.
Q: Are the old UBGB/DBGB IFSC codes still usable?
A: No. Old UBGB and DBGB IFSC codes have been revoked. Use only the new IFSC PUNB0MBGB06 for transfers to branches now under Punjab National Bank’s system.
Q: How quickly will the beneficiary receive funds?
A: For IMPS and RTGS (when RTGS criteria met) transfers are typically immediate. NEFT settles in batches, often within a few hours on banking days. Timing depends on your bank’s cutoffs and the transfer method chosen.
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.