Bihar Gramin Bank Sohagra IFSC Code

The Bihar Gramin Bank branch in Sohagra, SIWAN, Bihar, plays a key role for residents in managing their finances. When you need to transfer money electronically, whether through NEFT, RTGS, or IMPS, a specific code is essential: the Indian Financial System Code, or IFSC. This unique code helps ensure your funds reach the correct bank and branch without any issues.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Sohagra
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100659
Branch Address	Sohagra, SIWAN, 841239
Contact Number	9297954586
City	SIWAN
District	SIWAN
Pincode	841239
State	Bihar

Merger Update

Bihar Gramin Bank, which includes branches like Sohagra, is a Regional Rural Bank (RRB) sponsored by Punjab National Bank (PNB). It was formed from the merger of various regional rural banks, including Uttar Bihar Gramin Bank (UBGB) and Madhya Bihar Gramin Bank (MBGB), among others. This consolidation means that older IFSC codes previously used by these individual banks, such as those from UBGB, are no longer valid for transactions. All electronic fund transfers for Bihar Gramin Bank branches now use a unified IFSC code structure, which for Sohagra branch is PUNB0MBGB06. The prefix “PUNB0” signifies its sponsorship by Punjab National Bank, ensuring all transactions are processed correctly through the PNB network. Always use this new, valid IFSC code for any NEFT, RTGS, or IMPS transactions.

What is an IFSC Code?

The IFSC (Indian Financial System Code) is a unique 11-character code used to identify all bank branches participating in online money transfers. It’s crucial for correctly routing funds in electronic payment systems. Here’s how it’s structured:

• The first four characters represent the bank name. For instance, “PUNB” in PUNB0MBGB06 indicates Punjab National Bank (the sponsoring bank).
• The fifth character is always a zero (0). This character is reserved for future use, acting as a control character.
• The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” uniquely points to the Sohagra branch of Bihar Gramin Bank, under the Madhya Bihar Gramin Bank identifier within the PNB structure.

This unique alphanumeric sequence ensures that when you send money, it reaches the exact bank and branch intended, minimizing errors in the transfer process.

How to Use an IFSC Code

Using the IFSC code is straightforward when initiating electronic fund transfers like NEFT, RTGS, or IMPS. Here’s a step-by-step guide:

1. Gather Recipient Details: Before starting a transaction, make sure you have the recipient’s full name, account number, bank name, and the correct IFSC code.
2. Log in to Your Banking Platform: Access your net banking account or mobile banking app. Navigate to the “Fund Transfer” or “Payments” section.
3. Select Transfer Type: Choose the appropriate transfer method (NEFT, RTGS, or IMPS) based on the amount and urgency.
   • NEFT (National Electronic Funds Transfer): Suitable for non-urgent transfers, typically processed in batches.
   • RTGS (Real Time Gross Settlement): Ideal for large-value, urgent transfers, processed individually in real-time.
   • IMPS (Immediate Payment Service): Best for instant, round-the-clock transfers, usually for smaller amounts.
4. Add Beneficiary: If you’re sending money to this recipient for the first time, you’ll need to add them as a beneficiary. Enter their name, account number, and the IFSC code (PUNB0MBGB06 for Sohagra branch). The system will usually auto-populate the bank and branch name once the IFSC is entered correctly.
5. Enter Amount and Confirm: Input the amount you wish to transfer. Review all details carefully – recipient’s name, account number, IFSC code, and amount – before confirming the transaction.
6. Authenticate: Complete the transaction using your PIN, OTP (One-Time Password), or other authentication methods.

Once confirmed, the funds will be transferred according to the chosen method.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch, or for any recipient, offers several practical benefits:

• Error-Free Transfers: It ensures that your electronic fund transfers go to the correct bank and branch, preventing delays or misrouted payments.
• Faster Processing: Correct IFSC codes help systems process NEFT, RTGS, and IMPS transactions quickly and efficiently.
• Safe Transactions: The unique identification helps in maintaining the security of financial transactions by reducing the chances of fraudulent routing.
• Convenience: It allows you to perform transactions from anywhere, anytime, using online banking or mobile apps without needing to visit the branch.
• Essential for Online Payments: Many online platforms, e-commerce sites, and payment gateways require an IFSC for direct bank transfers or refunds.

Contact Information

For inquiries or assistance regarding the Sohagra branch of Bihar Gramin Bank, you can use the following contact details:

• Branch Phone Number: 9297954586
• Branch Address: Sohagra, SIWAN, 841239, Bihar
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

What is the IFSC code for Bihar Gramin Bank, Sohagra branch?

The IFSC code for the Bihar Gramin Bank, Sohagra branch, is PUNB0MBGB06.

Is PUNB0MBGB06 a valid IFSC code for all Bihar Gramin Bank branches?

No, PUNB0MBGB06 is specific to the Sohagra branch. Each branch of Bihar Gramin Bank will have a unique last six characters in its IFSC code, even though the first five (PUNB0) will be the same across all branches sponsored by Punjab National Bank.

Can I use an old IFSC code from Uttar Bihar Gramin Bank (UBGB) for transfers to Sohagra branch?

No, older IFSC codes from previous entities like Uttar Bihar Gramin Bank (UBGB) are no longer valid. You must use the current and unified IFSC code, PUNB0MBGB06, for all transactions to the Sohagra branch of Bihar Gramin Bank.

What is the purpose of the ‘0’ in the fifth position of the IFSC code?

The fifth character in the IFSC code is always a zero (0). It acts as a control character and is reserved for future use, ensuring the unique identification of bank branches across the system.

How can I find the IFSC code for another Bihar Gramin Bank branch?

You can find the IFSC code for other branches by checking the bank’s official website, your bank passbook, or by using reliable online IFSC code lookup tools. Ensure you have the correct bank and branch name to get the accurate code.