Bihar Gramin Bank Ishipur- Barahat IFSC Code

Ishipur-Barahat is a branch location in Bhagalpur district, Bihar (PIN 813206). This branch serves rural and semi-urban customers for deposits, withdrawals, and fund transfers. For electronic transfers like NEFT, RTGS and IMPS, the IFSC code is essential. It uniquely identifies the bank and branch so payments route correctly and reach the intended account without delay or manual intervention.

Branch Details

Merger Update

Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged and their business has been integrated under Punjab National Bank. All legacy UBGB and DBGB IFSC codes have been revoked. The single, valid IFSC for transactions now is PUNB0MBGB06 (under Punjab National Bank). Do not use old UBGB/DBGB IFSC codes for NEFT/RTGS/IMPS — they will not route payments.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that identifies a specific bank branch for electronic payments. The structure is fixed:

• First 4 characters — bank code (letters). Example: PUNB = Punjab National Bank.
• 5th character — reserved and is always 0.
• Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 identifies the specific branch in the IFSC PUNB0MBGB06.

How to Use IFSC Code

Follow these steps when making NEFT, RTGS or IMPS transfers:

• Open your bank’s internet banking or mobile app, or visit the branch branch counter.
• Choose “Add Beneficiary” or “New Payee”.
• Enter beneficiary name, account number, and the IFSC — here use PUNB0MBGB06 for Ishipur- Barahat.
• Select the transfer mode: NEFT (any amount), RTGS (for high-value payments as per bank limits), or IMPS (instant, typically for smaller immediate transfers).
• Verify the beneficiary details shown after adding (bank name and branch should match Bhagalpur / Ishipur- Barahat).
• Initiate the transfer, confirm OTP or transaction PIN as required.
• Keep the transaction reference and check account statements to confirm receipt.

Tips: Double-check the account number and IFSC before confirming. If either is wrong, funds may be delayed or returned.

Benefits of Knowing the IFSC

• Ensures payments route to the correct bank branch without manual correction.
• Required to add beneficiaries for NEFT, RTGS and IMPS in digital banking apps.
• Helps banks reconcile and track transactions quickly using branch identifiers.
• Reduces failed transfers and delays caused by ambiguous branch names.
• Useful for receiving salaries, vendor payments and government direct benefits safely.

Contact

Branch Phone No: 8102918754

Branch Address: Ishipur- Barahat, Bhagalpur, 813206

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free: 18001807777

FAQs

• Q: Is PUNB0MBGB06 the only valid IFSC for this branch?

  A: Yes. After the merger and IFSC rationalization, PUNB0MBGB06 (Punjab National Bank) is the valid code for transactions to the Ishipur- Barahat branch. Old UBGB/DBGB codes are revoked.

• Q: What happens if I enter the wrong IFSC?

  A: If the IFSC and account number do not match a valid branch, the transaction may fail and funds will typically be returned to the sender’s account after reconciliation. If IFSC points to a different branch but the account number exists there, the transfer might still succeed — so both IFSC and account number must be checked carefully.

• Q: How long does NEFT/RTGS/IMPS take?

  A: IMPS is instant (seconds). NEFT transfers settle in batch windows (many banks process them within minutes; some may take a few hours depending on the bank’s schedule). RTGS is near-instant for high-value payments during bank working hours. Always check your bank’s cut-off times for same-day settlement.

• Q: Is IFSC the same as MICR?

  A: No. IFSC routes electronic payments. MICR (Magnetic Ink Character Recognition) code is used primarily for cheque clearing. For electronic fund transfers you must use IFSC.

• Q: How can I verify this IFSC before sending money?

  A: Verify the IFSC on the beneficiary’s cheque leaf, bank passbook entry, or by calling the branch at 8102918754. Also confirm the bank name and branch address shown in your banking app before authorizing the transfer.

Kriti Kumari

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.