The Bihar Gramin Bank branch at Samukhia More is located in Banka district, Bihar (Pincode 813102). This IFSC code page gives the specific code used to route electronic fund transfers to this branch. An accurate IFSC is essential for NEFT, RTGS and IMPS transfers so payments reach the correct branch and account without delay or return.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Samukhia More |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3715 |
| Branch Address | Samukhia More, Banka, 813102, 8102918772 |
| Contact Number | 8102918772 |
| City | Banka |
| District | Banka |
| Reason | BHAGALPUR |
| Pincode | 813102 |
| State | Bihar |
Merger update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank. These merged rural-bank branches now operate with the single IFSC code PUNB0MBGB06 under Punjab National Bank. Any old UBGB or DBGB IFSC codes have been revoked. For NEFT/RTGS/IMPS transactions, use only the new IFSC PUNB0MBGB06 for this branch; older codes will fail or cause returns.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic transfers. The structure is fixed:
- First 4 characters — bank code (letters). Example: PUNB = Punjab National Bank.
- Fifth character — reserved and is always 0.
- Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 identifies the Samukhia More branch under the merged arrangement.
How to use IFSC code for NEFT, RTGS, IMPS
- Open your bank’s fund-transfer section (netbanking, mobile app, or visit branch).
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS and NEFT are typically used for lower value, instant or deferred transfers; RTGS for large-value real-time gross settlement.)
- Enter beneficiary details: full name and bank account number exactly as provided by the payee.
- Enter the IFSC: PUNB0MBGB06. Double-check spelling and case — IFSCs are case-insensitive but must be exact.
- Enter amount and purpose. For large amounts, select RTGS if your bank requires it for the transfer amount threshold.
- Confirm details and authorize using your netbanking OTP, debit card OTP, or in-branch signature as required.
- Save the beneficiary after a successful first transfer if you will pay them again. Verify the beneficiary name returned by the bank before confirming the payment.
Benefits of knowing the IFSC
- Accurate routing: Ensures funds reach the exact branch and account without manual intervention.
- Faster processing: Correct IFSC reduces verification delays and returns.
- Essential for all electronic transfers: Required for NEFT, RTGS and IMPS transactions.
- Helps reconciliation: Branch code and MICR in the IFSC help banks match credits quickly.
- Avoids fraud and errors: Using the correct IFSC with account number and name lowers the risk of misdirected funds.
Contact
Branch phone no: 8102918772
Branch Address: Samukhia More, Banka, 813102, Bihar
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC now for this branch?
A: Yes. After the merger, the valid IFSC for transactions to this branch is PUNB0MBGB06. Old UBGB/DBGB IFSCs have been revoked and should not be used.
Q: What happens if I use a wrong IFSC?
A: If the IFSC does not match the account’s bank/branch, the transfer will either be rejected by the banking network or routed to the wrong branch causing delays. Banks typically detect mismatch and return the funds, but this takes time and may incur charges.
Q: Are NEFT, RTGS and IMPS available 24×7 for this branch?
A: The RBI has enabled 24×7 availability for NEFT and RTGS, and IMPS is already 24×7. However, individual banks may set operational limits or maintenance windows. Check with the branch or head office for any scheduled downtimes.
Q: Do I need IFSC for UPI transfers?
A: No. UPI uses virtual payment addresses (VPAs) and does not require an IFSC at the time of sending. IFSC is required for account-to-account transfers via NEFT/RTGS/IMPS.
Q: How can I verify the beneficiary name before confirming a transfer?
A: After you enter account number and IFSC in your bank’s payment form, the system usually shows the beneficiary name returned by the beneficiary bank. Verify this name matches the payee before authorizing the payment.
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.