Bihar Gramin Bank SIKRAUL LUKH IFSC Code

The SIKRAUL LUKH branch of Bihar Gramin Bank is located in the Buxar district of Bihar. For anyone needing to send money to an account at this branch, the Indian Financial System Code (IFSC) is essential. This unique 11-character code acts as a specific address for the branch, ensuring that online fund transfers through systems like NEFT, RTGS, and IMPS are routed correctly and securely without any errors.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	SIKRAUL LUKH
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	MBGB06
Branch Address	SIKRAUL LUKH, Buxar, 802129
Contact Number	7091596941
City	Buxar
District	Buxar
Region	BHABHUA
Pincode	802129
State	Bihar

Merger and IFSC Update

It is important to note that Bihar Gramin Bank was formed by the merger of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). After the merger, the bank is now sponsored by Punjab National Bank (PNB). As a result, all branches, including SIKRAUL LUKH, now use a new, unified IFSC code format that starts with “PUNB”. The correct and currently valid IFSC code for this branch is PUNB0MBGB06. Old IFSC codes associated with the former UBGB or DBGB are now invalid and have been revoked. Using an old code will cause your transaction to fail.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in the electronic funds transfer system. The code has a specific structure that helps identify the bank and its branch.

Let’s break down the SIKRAUL LUKH branch code, PUNB0MBGB06:

• PUNB: The first four characters represent the name of the sponsor bank, which is Punjab National Bank.
• 0: The fifth character is always a zero. It is reserved for future use.
• MBGB06: The last six characters represent the specific branch code, uniquely identifying the SIKRAUL LUKH branch.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for an online money transfer is a straightforward process. Whether you are using Net Banking or a mobile banking app, the steps are generally the same.

1. Log in to your bank’s internet or mobile banking portal.
2. Navigate to the “Fund Transfer” or “Payments” section. Choose the transfer method: NEFT, RTGS, or IMPS.
3. Add the recipient as a “beneficiary” if you haven’t already. You will need their name, bank account number, and the IFSC code of their branch.
4. Enter the IFSC code PUNB0MBGB06 for the SIKRAUL LUKH branch along with the other required details.
5. After adding the beneficiary, enter the amount you wish to transfer and confirm the transaction, usually with an OTP or transaction PIN.

Why You Need the Correct IFSC Code

• Accurate Routing: The IFSC code acts like a postal code for your money, ensuring it is sent directly to the correct bank branch without any misdirection.
• Error Prevention: The banking system uses the code to validate the branch details before processing a payment, significantly reducing the chances of sending money to the wrong place.
• Faster Processing: With the correct code, electronic transfers are processed automatically and quickly. An incorrect code will lead to delays or transaction failure.
• Enables Digital Payments: It is the foundational element that makes popular and reliable payment systems like NEFT, RTGS, and IMPS possible.

Contact Information

Branch Contact
Phone Number: 7091596941
Address: SIKRAUL LUKH, Buxar, Bihar – 802129

Head Office Contact
Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
Toll-Free Number: 18001807777

Frequently Asked Questions

1. Is the IFSC code the same for all branches of Bihar Gramin Bank?
No. While the first few characters (PUNB) are consistent due to the sponsorship by PNB, the last six characters are unique to each branch. For the SIKRAUL LUKH branch, the code is specifically PUNB0MBGB06.

2. What will happen if I use an old IFSC code from before the merger?
The transaction will most likely be rejected by the banking system. The old codes for Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank are no longer active. You must use the new “PUNB” prefixed code for all transfers.

3. Where can I find the official IFSC code for my branch?
The IFSC code is printed on the chequebooks and passbooks issued by the bank. You can also find it on the bank’s official website or by contacting the branch directly.

4. Do I need an IFSC code for UPI transactions?
No, for UPI payments made using a Virtual Payment Address (VPA) or QR code, you do not need to enter the IFSC code manually. The UPI system handles the routing automatically in the background.

5. Can I use this IFSC code for receiving money from another country?
No, IFSC codes are designed for domestic fund transfers within India only. For international wire transfers, the sender will need a SWIFT code, which is different from an IFSC code.