The Bihar Gramin Bank SOBH branch is located in Sobh, Gaya, Bihar (PIN 824201). This branch serves retail and rural customers in Gaya district and supports electronic fund transfers across India. For NEFT, RTGS and IMPS transfers, the IFSC code uniquely identifies the bank and branch so payments route correctly and reach the intended account without delay or manual intervention.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | SOBH |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7212 |
| Branch Address | SOBH, Gaya, 824201, 9771464212 |
| Contact Number | 9771464212 |
| City | Gaya |
| District | Gaya |
| Reason | GAYA |
| Pincode | 824201 |
| State | Bihar |
Merger Update
If this branch was part of Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB): Both UBGB and DBGB have been merged into Punjab National Bank (PNB). All old UBGB and DBGB IFSC codes have been revoked. The merged rural branches now operate under a single IFSC code: PUNB0MBGB06. Use only this IFSC for NEFT, RTGS and IMPS transfers—old codes are no longer valid for routing transactions.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify a specific bank branch in electronic payment systems. The structure is fixed:
- First 4 characters = bank identifier (e.g., PUNB for Punjab National Bank)
- 5th character = always 0 (reserved)
- Last 6 characters = branch identifier (e.g., MBGB06 in PUNB0MBGB06)
Example: PUNB0MBGB06 splits to PUNB | 0 | MBGB06. Banks and clearing systems use this code to route electronic transfers precisely to the correct branch.
How to Use IFSC Code
- Open your bank’s netbanking or mobile banking app and select the transfer type: NEFT, RTGS or IMPS.
- Choose or add a beneficiary. Enter the beneficiary’s account name and account number exactly as provided.
- Enter the IFSC code PUNB0MBGB06 for Bihar Gramin Bank SOBH branch. The app will typically validate the IFSC against its database.
- Confirm the beneficiary details shown after IFSC validation (bank name, branch, city). Verify the details match before proceeding.
- Enter the transfer amount and purpose. NEFT has no minimum; RTGS has a minimum threshold (bank-specific; typically for high-value transfers); IMPS is for immediate small-value transfers available 24×7.
- Authorize the transfer using OTP, UPI PIN or netbanking token as required. Save the beneficiary once validated for future transfers.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds reach the exact branch and account without manual intervention.
- Faster processing: Automated systems (NEFT/RTGS/IMPS) use IFSC to process and clear payments quickly.
- Error reduction: Using the correct IFSC lowers the risk of failed or bounced transfers.
- Verification: Shows bank and branch details during beneficiary setup, helping spot mismatches before sending money.
- Necessary for online payments: Most electronic transfer forms require IFSC to add or transfer to a beneficiary.
Contact
Branch Phone: 9771464212
Branch Address: SOBH, Gaya, 824201
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use the old UBGB IFSC for transfers?
A: No. After the merger into Punjab National Bank, old UBGB IFSC codes have been revoked. Use the new IFSC PUNB0MBGB06 for all transfers.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC doesn’t match the account or bank, the transfer may fail or be returned to the sender. If funds go to a wrong but valid branch/account, recovery requires coordination between banks and can take days and documentation. Always verify IFSC and account number before sending.
Q: How is IFSC different from MICR?
A: IFSC routes electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque clearing in the cheque-processing system. Both are useful but for different processes.
Q: Can I use IFSC for UPI transfers?
A: UPI uses virtual payment addresses (VPA) and often does not require IFSC for peer-to-peer transfers. However, when adding a bank account or creating a beneficiary in some banking apps, IFSC may be required.
Q: How do I verify the branch details after entering IFSC?
A: Most banking apps display the bank name, branch and city after you type the IFSC. Cross-check that the displayed branch is “Bihar Gramin Bank, SOBH, Gaya” and the IFSC shows PUNB0MBGB06. If in doubt, call the branch at 9771464212 or the bank toll-free number 18001807777 before confirming large transfers.
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.