Bihar Gramin Bank Simra IFSC Code

Simra is a village in the Madhubani district of Bihar. This page covers the Bihar Gramin Bank, Simra branch and its electronic payment details. The branch IFSC code is required for digital fund transfers through NEFT, RTGS and IMPS. Using the correct IFSC avoids failed transfers, delays, and reconciliation problems.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Simra
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100387
Branch Address	Simra, MADHUBANI, 847404, 9297954937
Contact Number	9297954937
City	MADHUBANI
District	MADHUBANI
Reason	JHANJHARPUR
Pincode	847404
State	Bihar

Merger Update

The Simra branch now operates under the consolidated Punjab National Bank IFSC. Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into Punjab National Bank for banking operations. The single valid IFSC for this branch is PUNB0MBGB06. Any older IFSC codes that began with UBGB or DBGB have been revoked. Use only PUNB0MBGB06 for NEFT, RTGS or IMPS transfers to this branch.

What is IFSC Code?

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic transfers. The structure is fixed:

• First 4 characters: bank identifier (example: PUNB = Punjab National Bank).
• 5th character: always 0 (reserved for future use).
• Last 6 characters: branch identifier (alphanumeric). In this case MBGB06 denotes the specific Simra branch mapping under PNB).

So PUNB0MBGB06 breaks down as: PUNB + 0 + MBGB06 = 11 characters uniquely identifying the Simra branch for electronic payments.

How to Use IFSC Code

Follow these steps when sending money via NEFT, RTGS, or IMPS:

1. Open your bank’s netbanking or mobile app. Choose “Fund Transfer” or “Send Money”.
2. Select the transfer type: NEFT, RTGS, or IMPS. (Choose RTGS for high-value transfers; IMPS for instant small-value transfers.)
3. Add a beneficiary: enter the beneficiary name exactly as per bank records and the beneficiary account number.
4. Enter the IFSC: PUNB0MBGB06. Double-check every character; one wrong letter can route payment incorrectly or fail.
5. Provide purpose or remarks if required. Verify the details on screen and confirm with OTP or transaction PIN.
6. Record the reference or UTR number after transfer for tracking or reconciliation.

Notes:

• NEFT: typically used for regular transfers. It is available 24×7 and settlements are processed quickly.
• RTGS: for large-value transfers. Banks commonly enforce a minimum (often around ₹2,00,000) but check your bank’s limits.
• IMPS: instant, 24×7, best for immediate small to medium value transfers. Per-transaction limits vary by bank.

Benefits of Knowing the IFSC

• Avoids wrong routing: correct IFSC ensures the payment reaches the intended branch and account.
• Saves time: accurate IFSC reduces failed transactions and the need for reversals.
• Required for most digital transfers: banks and remittance services require IFSC for NEFT/RTGS/IMPS.
• Useful for reconciliation: branch code within IFSC helps back-office identification of credit entries.
• Enables digital payments from anywhere: with IFSC and account number you can receive money from any bank in India.

Contact

Branch phone: 9297954937

Branch address: Simra, MADHUBANI, 847404

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

Toll free: 18001807777

FAQs

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

Q: What happens if I enter a wrong IFSC?
A: If the IFSC does not match the account number, the transfer will usually fail or be returned. If the IFSC points to a different branch but the account number exists there, the money could go to the wrong branch—this complicates recovery. Always verify the IFSC and account number before confirming.

Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is typically instant (seconds to minutes). NEFT is settled rapidly and is available 24×7. RTGS is real-time gross settlement and is used for high-value payments; processing is immediate once initiated. Exact timing can vary slightly by bank and cut-off procedures, so keep the transaction reference for tracking.

Q: How can I verify the IFSC before sending money?
A: Verify with the beneficiary (ask them to confirm bank name, branch and IFSC). You can also call the branch at 9297954937 or use the bank’s customer service/toll-free number 18001807777 to confirm details.

Q: Is IFSC the same as MICR?
A: No. IFSC is used for electronic transfers. MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly to speed up cheque processing. For digital transfers, use the IFSC: PUNB0MBGB06.