The Bihar Gramin Bank branch at Surahachatti is located in Darbhanga district, Bihar (PIN 847101). This branch serves local residents and businesses for savings, remittances, and other banking needs. For electronic fund transfers such as NEFT, RTGS and IMPS, the IFSC code identifies the bank and branch precisely. Using the correct IFSC ensures funds route to the intended account quickly and reduces failed or delayed transactions.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Surahachatti |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100415 |
| Branch Address | Surahachatti, DARBHANGA, 847101, 9297955176 |
| Contact Number | 9297955176 |
| City | DARBHANGA |
| District | DARBHANGA |
| Reason | DARBHANGA |
| Pincode | 847101 |
| State | Bihar |
Merger Update
The Surahachatti branch now operates under the IFSC PUNB0MBGB06, which is a Punjab National Bank (PNB) IFSC. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into a combined entity and their systems were migrated to PNB’s IFSC structure. Old UBGB and DBGB IFSC codes have been revoked. For all NEFT, RTGS and IMPS transactions use only the new IFSC code PUNB0MBGB06; earlier codes will not route transactions and will cause failures or returns.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It 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’.
- Last 6 characters – branch identifier (alphanumeric). In PUNB0MBGB06, the last six characters are MBGB06, which point to the Surahachatti branch.
How to Use IFSC Code
Follow these steps when sending or receiving money via NEFT, RTGS or IMPS:
- Open your bank’s online banking app or netbanking portal, or visit the branch.
- Choose the transfer type: NEFT, RTGS or IMPS. (NEFT is for routine transfers; RTGS is typically used for higher-value transfers; IMPS is instant and available 24/7.)
- Enter the beneficiary name exactly as on their bank account.
- Enter the beneficiary account number.
- Enter the beneficiary bank’s IFSC code: PUNB0MBGB06 for Bihar Gramin Bank, Surahachatti (now under PNB IFSC).
- Provide the amount and any payment description or purpose.
- Verify all details before authorizing. A mismatch in IFSC or account number can cause a failed transfer or delay.
- Complete authentication as required (OTP, transaction password, UPI PIN, etc.).
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds reach the correct branch and account.
- Faster processing: Correct IFSC reduces delays and returns.
- Supports multiple payment types: Required for NEFT, RTGS and IMPS.
- Avoids manual errors: Sharing the IFSC with payers removes guesswork about branch identity.
- Useful for account verification: Many systems use IFSC + account number to validate beneficiaries.
Contact
Branch phone no: 9297955176
Branch Address: Surahachatti, DARBHANGA, 847101
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for Surahachatti now?
A: Yes. Following the merger and migration to Punjab National Bank systems, PUNB0MBGB06 is the valid IFSC. Old UBGB/DBGB IFSCs have been revoked and should not be used.
Q: What happens if I enter the wrong IFSC when making a transfer?
A: If the IFSC does not match the beneficiary account details, the transfer can fail or be returned. If the wrong IFSC routes to a different account but the account number matches another person, funds may go to the wrong recipient. Always double-check IFSC plus account number.
Q: How can I verify the IFSC before sending money?
A: Verify the IFSC from a recent bank statement, cheque leaf, or by calling the branch at 9297955176. After the UBGB/DBGB merger, confirmations from the branch or the provided head office number are recommended.
Q: Can multiple branches share the same IFSC?
A: Typically, each branch has a unique IFSC. In some consolidation scenarios, multiple smaller branches may operate under a common routing IFSC, but you should always confirm the exact IFSC and branch code for the beneficiary.
Q: Which transfer mode should I choose: NEFT, RTGS or IMPS?
A: Use NEFT for routine transfers with normal settlement timings. Use IMPS for instant transfers any time of day (useful for small urgent payments). Use RTGS when sending large-value payments where bank or business requirements specify RTGS. Check your bank’s cut-off timings and any charges before initiating.
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.