Bihar Gramin Bank, Bihta branch is located in Bihta town, Bhojpur district, Bihar (PIN 801103). This IFSC code page explains the branch details and how to use the IFSC for electronic fund transfers. The IFSC is required when sending money by NEFT, RTGS or IMPS. It tells the payment system which bank and which branch should receive the funds. Using the correct IFSC reduces failed transfers and delays.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | BIHTA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7022 |
| Branch Address | BIHTA, Bhojpur, 801103, 9771464022 |
| Contact Number | 9771464022 |
| City | Bhojpur |
| District | Bhojpur |
| Reason | ARA |
| Pincode | 801103 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged and consolidated under Punjab National Bank. Both former banks now use the single IFSC code PUNB0MBGB06 for transactions. Old IFSC codes issued to UBGB or DBGB branches have been revoked. For any electronic transfer to this branch, use only PUNB0MBGB06. Transfers using the old UBGB/DBGB IFSCs will fail or be rejected.
What is an IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code. It identifies the bank and the exact branch for electronic payments.
Structure:
- First 4 characters — bank code (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character — reserved and always 0.
- Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 identifies this specific branch under the merged arrangement.
How to Use the IFSC Code (NEFT, RTGS, IMPS)
Follow these steps when initiating a transfer from your bank app or internet banking:
- Open the payments or funds transfer section and choose NEFT, RTGS or IMPS as offered.
- Enter beneficiary name exactly as on their account. Small differences can cause bank validation prompts.
- Enter the beneficiary account number. Double-check digits. A wrong account number can route funds to the wrong account.
- Enter the IFSC: PUNB0MBGB06. Type the characters exactly, including the zero in position five.
- Enter the amount and any remarks required.
- Confirm the transaction details. Many apps show a verification screen with bank and branch name — verify before final confirmation.
- Authenticate the payment (OTP, UPI PIN, or bank token) to complete the transfer.
Notes:
- NEFT: Suitable for most values. Available 24×7. Processing is electronic and routed by IFSC to the exact branch.
- RTGS: For high-value, real-time gross settlement. Banks now typically support RTGS 24×7; confirm with your bank for charges and limits.
- IMPS: Instant transfer available 24×7. Used for immediate payments to a bank account or via MMID/Aadhaar where supported.
Benefits of Knowing the IFSC
- Ensures funds reach the correct bank branch immediately.
- Prevents failed or returned transactions caused by incorrect routing.
- Needed for online forms: salary credits, vendor payments, tax refunds, and NEFT/RTGS/IMPS transfers.
- Useful for verifying beneficiary bank details before large transfers.
- Enables faster reconciliation for businesses and clear mapping to branch MICR for cheque clearing.
Contact
Branch Phone: 9771464022
Branch Address: BIHTA, Bhojpur, 801103
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for Bihta after the merger?
A: Yes. After consolidation under Punjab National Bank, PUNB0MBGB06 is the active IFSC. Any old UBGB/DBGB IFSCs are revoked and should not be used.
Q: What if I enter the wrong IFSC?
A: If the IFSC does not match the account number, many bank systems will flag the mismatch and prevent the transfer. If the IFSC directs to a different valid branch and account details match, the transfer may still succeed and reach an unintended account. Always verify both IFSC and account number.
Q: What is the difference between IFSC and MICR?
A: IFSC is used for electronic transfers (NEFT/RTGS/IMPS) and identifies the bank and branch. MICR (Magnetic Ink Character Recognition) code is used primarily for cheque clearing and contains region, bank and branch information used by clearing houses.
Q: How can I verify this IFSC before transferring funds?
A: Verify the IFSC with the beneficiary, check a recent bank statement or cheque leaf that shows branch details, or call the branch phone (9771464022). Always confirm that the IFSC starts with PUNB and matches PUNB0MBGB06.
Q: Are there timing or amount limits for NEFT, RTGS or IMPS?
A: IMPS is instant and available 24×7 for most amounts. NEFT is available round-the-clock for a wide range of amounts. RTGS is intended for higher-value real-time settlement; banks may have their own minimums and charges. Check with your bank for exact limits, charges and working hours for outward transactions.
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.