Bihar Gramin Bank Semra IFSC Code

The Bihar Gramin Bank Semra branch is located in Semra village, East Champaran district, Bihar (PIN 845415). This branch serves retail and rural customers in and around Motihari. For electronic fund transfers — NEFT, RTGS and IMPS — you must use the correct IFSC code. The IFSC uniquely identifies the bank and branch in the payment network so funds route correctly and clear without delays.

Branch Details

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity under Punjab National Bank for payment processing. The unified IFSC in use now is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 should be used for NEFT, RTGS and IMPS transactions to or from these branches. Using an old code may lead to transaction failure or delay.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character code that identifies a bank branch for electronic transfers.

• First 4 characters – identify the bank (example: PUNB = Punjab National Bank).
• 5th character – is a reserved zero (0).
• Last 6 characters – identify the specific branch. In PUNB0MBGB06, the last six are MBGB06.

Note: The numeric branch code (here 108078) is an internal identifier used by the bank and may differ in format from the IFSC suffix.

How to Use IFSC Code

1. Open your bank’s internet banking, mobile app or visit the branch counter.
2. Choose the transfer method: NEFT, RTGS or IMPS.
3. Enter beneficiary name, account number and the IFSC: PUNB0MBGB06.
4. Verify the beneficiary bank name and branch returned by the system before proceeding.
5. Enter amount and purpose. Confirm and authenticate the payment (OTP, password or token).
6. Keep the transaction reference. For failed transactions contact your bank with this reference.

Practical notes:

• IMPS is immediate and available round-the-clock for small to medium amounts.
• NEFT is for retail transfers and is processed in settlements; it is widely available 24×7 now but check bank cut-offs for value or remitter limits.
• RTGS is for large-value transfers. Many banks support it 24×7, but confirm limits and charges with your bank.

Benefits of Knowing the IFSC

• Ensures funds reach the correct branch and account without delays.
• Required field for NEFT, RTGS and IMPS transfers.
• Helps verify beneficiary details before transfer (bank name and branch).
• Makes reconciliation and complaint tracking easier using the correct code.
• Prevents failed transfers and associated rework or bank charges.

Contact

Branch phone no: 9297954716

Branch Address: Semra, EAST CHAMPARAN, 845415

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

Toll free no: 18001807777

FAQs

• Q: Can I use an old UBGB or DBGB IFSC to send money?

  A: No. Old UBGB and DBGB IFSCs have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all transactions.

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

  A: If the IFSC points to a different branch but the account number exists, the transfer may still succeed and reach the listed account at that branch. If the IFSC and account number mismatch, the transaction can fail or be returned. Always verify both fields.

• Q: How do I confirm the IFSC before sending money?

  A: Confirm from the beneficiary’s bank passbook, cheque leaf, the branch (9297954716) or bank’s official communication. When you enter the IFSC in internet banking, the system usually shows bank and branch name—verify that matches Semra, East Champaran.

• Q: Are there transfer limits for NEFT, RTGS and IMPS?

  A: Limits depend on your bank and account type. RTGS is for high-value transfers and usually has a minimum limit. IMPS is for immediate small-value transfers. Check your bank’s policy or contact the branch.

• Q: A transfer failed. What should I do?

  A: Note the transaction reference. Contact your sending bank first with the reference. If debited and not credited, the bank will trace and reverse or re-route the funds. Keep beneficiary IFSC and account details handy and use toll-free 18001807777 if escalation via head office is needed.

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.