Bihar Gramin Bank Sanhoula IFSC Code

The Bihar Gramin Bank branch at Sanhoula serves customers in Bhagalpur, Bihar (PIN 813225). This branch handles local deposit, withdrawal and transfer services. For electronic fund transfers by NEFT, RTGS or IMPS you must use the correct IFSC code. The IFSC routes your payment to the right bank and branch. A wrong or old IFSC can delay the transfer or cause failed transactions.

Branch Details

Merger Update

Bihar Gramin Bank Sanhoula now uses the IFSC code PUNB0MBGB06 under Punjab National Bank (PNB). This IFSC covers the merged operations of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). The old UBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions. Do not use older UBGB or DBGB IFSCs; transactions with revoked IFSCs will fail or be delayed.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments.

• First 4 characters — bank code. Example: PUNB = Punjab National Bank.
• 5th character — reserved and is always 0 (zero).
• Last 6 characters — branch identifier. Example: MBGB06 identifies the specific branch within the bank.

So in PUNB0MBGB06, PUNB = bank, 0 = reserved, MBGB06 = Sanhoula branch code under PNB mapping.

How to Use IFSC Code

Use the IFSC when you add a beneficiary or make a fund transfer. Steps for NEFT, RTGS, IMPS:

• Open your bank’s internet banking, mobile app, or visit the branch.
• Choose “Add Beneficiary” or “New Payee.”
• Enter beneficiary name exactly as on their account.
• Enter the beneficiary account number carefully.
• Enter the IFSC: PUNB0MBGB06 for Bihar Gramin Bank Sanhoula.
• Select transfer type:
  • IMPS — immediate, available 24×7 for small/medium value transfers (subject to bank limits).
  • NEFT — batch-based settlement (now available round the clock in most banks).
  • RTGS — for high-value, near real-time gross settlement (used for larger amounts; bank may set minimum such as around Rs.2 lakh).
• Verify details and confirm the beneficiary. Complete any OTP/2FA your bank requires.
• Initiate the transfer and keep the transaction reference for tracking.

Note: MICR (800811002) is used for cheque clearing, not for online electronic transfers.

Benefits of Knowing the IFSC

• Ensures your money is routed to the correct bank branch.
• Speeds up NEFT/RTGS/IMPS transfers and reduces failed transactions.
• Needed to add beneficiaries in online banking and mobile apps.
• Helps customer service locate and track transfers quickly with the branch code.
• Prevents mistakes: matching IFSC and account number lowers risk of misrouting.

Contact

Branch Phone: 8102918743

Branch Address: Sanhoula, Bhagalpur, 813225

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

Toll Free: 18001807777

FAQs

• Q: Can I use an old UBGB IFSC code for transfers?

  A: No. Old UBGB IFSC codes have been revoked. Use the new IFSC PUNB0MBGB06 for all transactions to this branch.

• Q: What if I enter the wrong IFSC but the correct account number?

  A: Banks route funds by IFSC and account number together. If the IFSC does not match the account, the transfer may fail or be returned. Always verify both the IFSC and account number before confirming a transfer.

• Q: How long do NEFT/RTGS/IMPS transfers take to reflect?

  A: IMPS is immediate and usually instant (24×7). NEFT settlements are processed frequently and many banks now offer near-continuous processing. RTGS is near real-time for high-value transfers. If a transfer is delayed, use the transaction reference to raise a query with your bank.

• Q: Where else is IFSC printed?

  A: IFSC is printed on bank passbooks, account statements, cheque leaves, and the bank’s website. You can also confirm via the branch phone number before initiating large transfers.

• Q: What should I do if money is not credited to beneficiary account?

  A: First check the transaction status and reference number. Contact your bank with the reference. Provide beneficiary name, account number, IFSC (PUNB0MBGB06), amount and date. The bank will trace and resolve or return the funds as per policy.

Kriti Kumari

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.