Sugauli is a town in East Champaran district of Bihar. The Bihar Gramin Bank branch in Sugauli serves local residents and businesses for deposits, withdrawals, and fund transfers. For electronic transfers—NEFT, RTGS and IMPS—you must use the correct IFSC code. The IFSC ensures the payment routes to the exact bank branch and prevents delays or failed transfers.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Sugauli |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100256 |
| Branch Address | Sugauli, EAST CHAMPARAN, 845456, 9297954724 |
| Contact Number | 9297954724 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845456 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank (PNB). After the merger, all old UBGB and DBGB IFSC codes were revoked. The consolidated, valid IFSC code to be used now is PUNB0MBGB06. Use this IFSC for all NEFT, RTGS and IMPS transactions. Do not use old UBGB/DBGB codes; those will cause transfer failures.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic payments. Structure:
- First 4 characters: bank identifier (example: PUNB = Punjab National Bank).
- 5th character: reserved and is always ‘0’ (zero).
- Last 6 characters: branch identifier (example: MBGB06 identifies the Sugauli branch under the merged code).
Example: PUNB0MBGB06 — PUNB (bank) + 0 (reserved) + MBGB06 (branch).
How to Use IFSC Code
Follow these steps when making NEFT, RTGS or IMPS transfers:
- Open your bank’s app or internet banking portal and sign in.
- Go to “Add Beneficiary” or “Manage Payee”.
- Enter beneficiary name, account number, and the IFSC: PUNB0MBGB06. Verify spelling and digits carefully.
- Save beneficiary. Your bank may require OTP or other verification to activate the payee.
- Choose transfer type: NEFT for standard transfers, RTGS for high-value urgent transfers, IMPS for instant 24×7 payments.
- Enter the amount and confirm details. Check charges and cut-off times shown by your bank before confirming.
- Authorize the payment (OTP, token or netbanking password). Save the transaction reference for tracking.
Notes:
- NEFT settles in batches; timing depends on your bank’s schedule.
- IMPS transfers are immediate and available 24×7 for eligible account limits.
- RTGS settles in real time and is used for time-sensitive transfers; check your bank for any minimum limits and cut-off times.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without delays.
- Prevents failed transfers and reduces time spent on bank corrections.
- Required to add beneficiaries in internet and mobile banking securely.
- Helps customer service identify the exact branch for disputes or transaction tracing (with MICR/branch code).
- Useful for filling forms where precise branch identification is needed (e.g., ECS, standing instructions).
Contact
Branch Phone: 9297954724
Branch Address: Sugauli, EAST CHAMPARAN, 845456
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use any old UBGB IFSC code for transfers to this branch?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transfers to the Sugauli branch.
Q: What is the difference between IFSC and MICR?
A: IFSC routes electronic transfers (NEFT/RTGS/IMPS). MICR (numeric) is used mainly for cheque processing by banks and clearing houses. For online fund transfers, IFSC is required; MICR is not.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the beneficiary bank branch, the transfer may fail or be routed to a wrong branch. Failed transfers are usually reversed, but reversals can take time. Always double-check the IFSC and account number before sending money.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is immediate and works 24×7. NEFT settles in scheduled batches and times depend on the sending bank. RTGS is for real-time settlement and is used for urgent transfers. Exact timing and availability depend on your bank’s policies and cut-off times.
Q: Is IFSC case-sensitive? How many characters must it have?
A: IFSC is not case-sensitive in practice, but it is usually written in uppercase. It must be 11 characters long: 4 letters (bank), 1 numeric/zero, and 6 alphanumeric for branch.
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.