Bihar Gramin Bank Shambhuganj IFSC Code

Bihar Gramin Bank, Shambhuganj branch is located in Shambhuganj village in Banka district of Bihar (PIN 813108). This branch serves local residents and businesses in and around Banka. For electronic fund transfers such as NEFT, RTGS and IMPS you must provide the correct IFSC code. The IFSC directs the payment to the exact bank and branch. Using the wrong code or wrong account details can delay the transfer or cause it to fail.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Shambhuganj
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3710
Branch Address	Shambhuganj, Banka, 813108, 8102918767
Contact Number	8102918767
City	Banka
District	Banka
Reason	BHAGALPUR
Pincode	813108
State	Bihar

Merger update

This branch is now covered under the single IFSC code PUNB0MBGB06 issued by Punjab National Bank. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a unified structure under Punjab National Bank for electronic clearing. Old UBGB and DBGB IFSC codes have been revoked. For all NEFT, RTGS and IMPS transfers to Shambhuganj use only PUNB0MBGB06. Any previous UBGB/DBGB IFSC entries are invalid and will not route funds correctly.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify a specific bank branch in electronic payments.

• First 4 characters — bank identifier. Example: PUNB = Punjab National Bank.
• 5th character — reserved and is always 0.
• Last 6 characters — branch identifier. Example: in PUNB0MBGB06, the last six characters MBGB06 identify the specific branch unit within the bank’s network.
• Separate numeric branch code (here 3710) may also be used for internal bank references, but the IFSC is required for electronic clearing.

How to use IFSC Code for NEFT, RTGS and IMPS

• Open your bank’s netbanking or mobile banking app or visit your branch for an offline transfer.
• Choose the transfer type: NEFT, RTGS or IMPS. (NEFT and IMPS are suitable for most amounts; RTGS is for higher-value payments.)
• Add a beneficiary: enter beneficiary name, account number and IFSC code PUNB0MBGB06. Verify the branch name displayed by the bank after entry.
• Confirm transfer type and amount. For RTGS some banks request additional validation for high-value payments.
• Authenticate the payment with OTP or banking token. Note the transaction reference for tracking.
• NEFT and IMPS are available 24×7 in most banks; RTGS is offered round-the-clock by many banks too, but some banks may have internal cut-offs—confirm with your bank if timing is critical.
• If you suspect the IFSC or account number is wrong after initiating a transfer, contact your bank immediately. They can attempt recall or reversal, but success is not guaranteed and timelines vary.

Benefits of knowing the correct IFSC

• Ensures funds are routed to the exact branch and account without delay.
• Reduces failed transactions and reversal fees.
• Helps you add beneficiaries correctly in netbanking or apps.
• Speeds up reconciliation when you receive payments (invoice matching by IFSC and account).
• Protects against simple errors and reduces the risk of money going to the wrong bank branch.

Contact

Branch phone: 8102918767

Branch address: Shambhuganj, Banka, 813108

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

Toll free: 18001807777

FAQs

Q: What is the IFSC code for Bihar Gramin Bank Shambhuganj?
A: The IFSC code is PUNB0MBGB06.

Q: Can I still use an old UBGB or DBGB IFSC for transfers?
A: No. UBGB and DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transfers to this branch.

Q: I entered the wrong IFSC by mistake. What should I do?
A: Contact your bank immediately with the transaction reference. The bank will try to recall or reverse the transfer. Recovery depends on where the funds landed and the cooperation of the receiving bank. Act quickly.

Q: Are IFSC codes case-sensitive?
A: No. IFSC entries are not case-sensitive, but you should enter the exact characters shown (usually uppercase) to avoid typos.

Q: Do I need IFSC for UPI transfers?
A: No. UPI uses a Virtual Payment Address (VPA) and does not require IFSC for most peer-to-peer transfers. However, IFSC is required when you transfer using account number + bank transfer options (NEFT/RTGS/IMPS).

Q: How long does a NEFT/IMPS/RTGS transfer take?
A: IMPS is usually instant. NEFT is processed quickly and is available 24×7; processing time depends on bank systems. RTGS is meant for high-value payments and is usually processed immediately during service hours. Exact timing can vary by bank, so check with your branch for expected clearing times.