Saroun branch of Bihar Gramin Bank is located in Saroun village, Jamui district, Bihar (PIN 811303). This branch serves local farmers, small businesses, and residents of surrounding villages. For electronic fund transfers — NEFT, RTGS and IMPS — the branch uses a specific IFSC code. The IFSC is essential because it tells the payment system which bank and which branch should receive the funds. Entering the correct IFSC ensures timely routing and settlement of payments.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Saroun |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3418 |
| Branch Address | Saroun, Jamui, 811303, 8102918621 |
| Contact Number | 8102918621 |
| City | Jamui |
| District | Jamui |
| Reason | JAMUI |
| Pincode | 811303 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under a common arrangement and their retail operations now use the single IFSC code PUNB0MBGB06 under Punjab National Bank (PNB). Old UBGB and DBGB IFSC codes have been revoked. For all NEFT/RTGS/IMPS transactions to Saroun branch, use only PUNB0MBGB06. Transactions using revoked IFSCs will fail or be returned. Always confirm the IFSC before initiating a transfer.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments in India. The structure is:
- First 4 characters: bank identifier (example: PUNB = Punjab National Bank).
- 5th character: reserved and always 0.
- Last 6 characters: branch identifier (example: MBGB06 identifies the specific branch code within the sponsor bank).
Example: PUNB0MBGB06 breaks down as PUNB | 0 | MBGB06.
How to Use IFSC Code
Follow these steps when sending money via NEFT, RTGS or IMPS:
- Open your bank app or internet banking and select the fund transfer option (NEFT/RTGS/IMPS).
- Choose or add a beneficiary. Enter the beneficiary name exactly as on their bank account.
- Enter the beneficiary account number. Double-check digits; mistakes can delay or bounce the transfer.
- Enter the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank, Saroun.
- Select transfer type: IMPS for instant small-value transfers, NEFT for general transfers (no minimum), RTGS for large-value transfers (typically ₹2,00,000 and above as a rule of thumb; confirm your bank’s limit).
- Enter the amount and purpose, then confirm. Note the transaction reference/UTR for tracking.
Timings and settlement:
- IMPS: immediate, 24×7.
- NEFT: available 24×7; settlement is near real-time across modern platforms but may depend on bank cut-offs for some channels.
- RTGS: used for high-value transfers; available 24×7 in most banks; settlement is real-time gross.
Always confirm beneficiary details with the recipient if unsure.
Benefits of Knowing the IFSC
- Accurate routing: ensures funds reach the correct bank and branch.
- Faster settlement: correct IFSC avoids rejections and delays.
- Required for all electronic transfers: NEFT, RTGS and IMPS require IFSC plus account number.
- Easy verification: IFSC plus account number helps your bank validate the beneficiary.
- Prevents fraud: confirm IFSC from a trusted source (bank statement, cheque leaf, official notice) rather than random websites or messages.
Contact
Branch Phone: 8102918621
Branch Address: Saroun, Jamui, 811303
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for Saroun branch?
A: Yes. PUNB0MBGB06 is the valid IFSC for Bihar Gramin Bank Saroun. Old UBGB/DBGB IFSCs are revoked after the merger. Use only this code for transfers.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the bank, the transaction will normally be rejected and returned. If the IFSC is valid but the account number belongs to another branch, the funds may be routed incorrectly. Always verify both IFSC and account number before sending funds.
Q: Can I use IFSC for inward remittances from another bank or online app?
A: Yes. Any Indian bank or payment app needing beneficiary routing requires IFSC and account number. Provide the exact IFSC PUNB0MBGB06 for Saroun.
Q: How do I confirm the IFSC?
A: Confirm from the branch (phone 8102918621), a cheque leaf, bank passbook, or the bank’s official communication. If in doubt, call the head office toll-free 18001807777.
Q: Are IFSC and MICR the same?
A: No. IFSC routes electronic transfers. MICR (Magnetic Ink Character Recognition) is used mainly for cheque processing. For electronic transfers use IFSC: PUNB0MBGB06.
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.