Bihar Gramin Bank Sikandra IFSC Code

Bihar Gramin Bank, Sikandra branch is located in Sikandra village in Jamui district, Bihar (Pincode 811315). The branch serves local residents and small businesses in and around Jamui. For electronic fund transfers — NEFT, RTGS and IMPS — you must use the branch IFSC code so the originating bank routes the money to the correct bank and branch. Using the right IFSC avoids delays, failed transactions, or routing to the wrong branch.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Sikandra
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3427
Branch Address	Sikandra, Jamui, 811315, 8102918630
Contact Number	8102918630
City	Jamui
District	Jamui
Reason	JAMUI
Pincode	811315
State	Bihar

Merger Update

This branch uses the IFSC code PUNB0MBGB06. Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were consolidated and their branches now operate under a single IFSC code assigned under Punjab National Bank (PUNB). Old UBGB and DBGB IFSC codes have been revoked. For fund transfers, only the new IFSC PUNB0MBGB06 is valid. If you previously saved an old UBGB/DBGB IFSC in your beneficiary list, update it before making transfers.

What is IFSC Code?

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

• First 4 characters — Bank identifier (letters). Example: PUNB = Punjab National Bank.
• 5th character — Always 0 (reserved for future use).
• Last 6 characters — Branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06 identifies the specific branch.

So in PUNB0MBGB06, PUNB = bank, 0 = fixed, MBGB06 = branch code.

How to Use IFSC Code

Steps to transfer money using NEFT, RTGS or IMPS:

• Open your bank’s internet banking, mobile banking app, or visit a branch.
• Choose the transfer type: NEFT, RTGS (for transactions ≥ ₹2,00,000) or IMPS (for immediate transfers, usually up to bank-defined limits).
• Add a new beneficiary: enter beneficiary name, account number, and IFSC PUNB0MBGB06 for Bihar Gramin Bank, Sikandra.
• Verify beneficiary details. The bank may display the branch name once the IFSC is entered—match it to “Sikandra” or “Jamui”.
• Confirm and authorize the transfer (OTP or transaction PIN as required).
• Save the beneficiary after successful validation for future transfers.

Practical checks: ensure the account number matches the beneficiary name and the IFSC returned by your bank matches PUNB0MBGB06. If the IFSC is invalid, the transaction will typically be rejected. If the IFSC is valid but the account number is wrong, funds may be credited to a different account; reversal then depends on the receiving bank and can take time.

Benefits of Knowing the IFSC

• Accurate routing: Ensures transfers reach the exact branch and account without manual intervention.
• Faster processing: Correct IFSC reduces failed or returned transactions and speeds up settlement.
• Required for online transfers: Most netbanking and mobile apps require IFSC for NEFT/RTGS/IMPS when adding beneficiaries.
• Helpful for reconciliation: Businesses can match incoming transfers to branches using IFSC and MICR codes.
• Prevents fraud: Verifying IFSC against branch details helps detect tampered beneficiary details.

Contact

Branch Phone: 8102918630
Branch Address: Sikandra, Jamui, 811315, 8102918630
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free: 18001807777

FAQs

Q: Can I use the IFSC PUNB0MBGB06 for NEFT, RTGS and IMPS?
A: Yes. PUNB0MBGB06 is the valid IFSC for this branch and can be used for NEFT, RTGS and IMPS transfers.

Q: What happens if I enter a wrong IFSC but the correct account number?
A: If the IFSC belongs to a different branch but the account number exists there, the funds may still be credited to that account. If the IFSC is invalid, the transaction is generally rejected. Reversal for wrong-credit cases requires coordination between banks and can take several days.

Q: Is IFSC the same as MICR?
A: No. IFSC is for electronic fund routing. MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque clearance and physical processing.

Q: How can I verify the IFSC before sending money?
A: Verify the IFSC by checking the branch details (branch name and city) shown by your bank after entering the code, or confirm with the branch phone number (8102918630). Never rely solely on memory; always re-check before large transfers.

Q: My saved beneficiary uses an old UBGB/DBGB IFSC. What should I do?
A: Update the beneficiary record to the new IFSC PUNB0MBGB06. Old UBGB/DBGB IFSCs have been revoked and must not be used. If you are unsure, call the branch at 8102918630 or the toll-free number 18001807777.