The Bihar Gramin Bank branch at Surajgarha serves customers in Lakhisarai district, Bihar (PIN 811106). For electronic fund transfers — NEFT, RTGS and IMPS — the branch uses the IFSC code PUNB0MBGB06. The IFSC is essential for routing payments to the correct bank and branch. Entering the correct IFSC ensures funds are credited quickly and avoids return of payments or delays.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Surajgarha |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3118 |
| Branch Address | Surajgarha, Lakhisarai, 811106, 8102918584 |
| Contact Number | 8102918584 |
| City | Lakhisarai |
| District | Lakhisarai |
| Reason | JAMUI |
| Pincode | 811106 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank. Transactions for these merged regional rural banks now use a single IFSC: PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC is valid for NEFT, RTGS and IMPS. If you have older beneficiary details that use former UBGB/DBGB codes, update them before sending money.
What is an IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems. Its structure:
- Characters 1–4: Bank identifier. Example: PUNB = Punjab National Bank.
- Character 5: Always 0 (reserved for future use).
- Characters 6–11: Branch identifier. Example: MBGB06 in PUNB0MBGB06.
Example breakdown for this branch: PUNB (Punjab National Bank) + 0 + MBGB06 (Surajgarha branch identifier). The separate numeric Branch Code (3118) is also used in some internal bank systems and printed on chequebooks.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s netbanking, mobile app, or go to a branch counter.
- Choose the transfer type: NEFT (batch clearing, no minimum), RTGS (real-time for high value; typically minimum amount applies), or IMPS (instant, 24×7, usually for smaller amounts).
- Enter beneficiary details: full name, account number, and IFSC PUNB0MBGB06.
- Enter amount and purpose, then verify all details. Check the last 4 digits of the account number with the beneficiary when possible.
- Authenticate the transaction using the bank OTP or transaction password.
- Save the beneficiary after the first successful transfer to avoid retyping the IFSC and account number.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic payments to the correct branch.
- Reduces failed or returned transactions caused by incorrect branch identification.
- Makes setting up beneficiaries faster and safer.
- Required for filling forms for e-transfers and some government payments.
- Helps banks reconcile inward remittances and credit accounts faster.
Contact
Branch Phone: 8102918584
Branch Address: Surajgarha, Lakhisarai, 811106
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for this Surajgarha branch?
Yes. PUNB0MBGB06 is the valid IFSC to use for NEFT, RTGS and IMPS transfers to the Surajgarha branch. Old regional-bank IFSCs have been revoked after the merger into Punjab National Bank.
Q: What if I enter a wrong IFSC but the correct account number?
Most systems check IFSC and account number together. A wrong IFSC can route the transfer to another branch or cause the transfer to fail. If the account number and IFSC mismatch, the transaction will usually be rejected or returned. Always double-check both before confirming.
Q: How does MICR differ from IFSC?
IFSC is used for electronic transfers (NEFT/RTGS/IMPS). MICR (800811002) is a 9-digit code used mainly for cheque clearing and processing by the banking system.
Q: Can I use this IFSC for inward salary or government payments?
Yes. Use PUNB0MBGB06 for salary credits, pension, subsidies, and other inward electronic payments directed to this branch account.
Q: Where can I verify this IFSC before sending money?
Verify with the recipient, call the branch at 8102918584, or check an official bank statement or cheque leaf that shows the branch details. When in doubt, contact the head office toll-free number: 18001807777.
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.