The Bihar Gramin Bank branch at Belaon is located in Buxar district, Bihar (PIN 802109). This branch serves local residents and businesses for deposits, withdrawals, and fund transfers. For electronic fund transfers — 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 delays or returns.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | BELAON |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7017 |
| Branch Address | BELAON, Buxar, 802109, 9771464017 |
| Contact Number | 9771464017 |
| City | Buxar |
| District | Buxar |
| Reason | BHABHUA |
| Pincode | 802109 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated and now operate under Punjab National Bank for electronic clearing. The single, valid IFSC for this branch is PUNB0MBGB06. Old UBGB and DBGB IFSC codes are revoked and should not be used for new transactions. Always use PUNB0MBGB06 for NEFT, RTGS, and IMPS to ensure funds are routed correctly.
What is 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 is fixed:
- First 4 characters = bank identifier (e.g., PUNB for Punjab National Bank).
- 5th character = always 0 (reserved).
- Last 6 characters = branch identifier (unique to each branch, e.g., MBGB06).
Example: In PUNB0MBGB06, “PUNB” indicates the sponsor bank, “0” is the reserved character, and “MBGB06” identifies the Belaon branch.
How to Use IFSC Code
Steps to transfer money using IFSC for NEFT, RTGS, or IMPS:
- Open your bank’s netbanking portal or mobile app, or visit a branch to fill a transfer form.
- Choose the transfer type: NEFT, RTGS (for large-value/time-sensitive transfers), or IMPS (instant, available 24×7).
- Enter beneficiary details: name, bank name (Bihar Gramin Bank / Punjab National Bank as sponsor), account number, and the IFSC PUNB0MBGB06.
- Verify the MICR or branch code if required (MICR 800811002; Branch Code 7017) to match the branch.
- Enter the amount and a reason/narration (optional but helpful for records).
- Confirm the details, authenticate via OTP or banking password, and submit.
- Save the transaction receipt or reference number until funds reflect in the beneficiary account.
Notes:
- IMPS is immediate and typically available 24×7. NEFT and RTGS are also available round-the-clock in most banks, but verify with your bank for any processing windows.
- If you enter a wrong IFSC but the account number and bank match a different branch, funds may still route to that account; incorrect account numbers can cause failed transfers or delays. Always double-check.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic transfers to the correct branch and account.
- Reduces failed transactions and return charges.
- Helps you verify beneficiary details before initiating a transfer.
- Required for setting up beneficiaries in netbanking and mobile apps.
- Useful for payroll, vendor payments, and receiving inward transfers from outside the city or state.
Contact
Branch Phone: 9771464017
Branch Address: BELAON, Buxar, 802109
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: How can I confirm the IFSC before sending money?
A: Check the bank-issued cheque leaf or passbook, ask the branch (phone 9771464017), or verify the branch details used in your bank’s beneficiary setup. Use the IFSC PUNB0MBGB06 for Belaon branch transfers.
Q: What happens if I use an old UBGB or DBGB IFSC?
A: Old UBGB/DBGB IFSC codes have been revoked after the merger. Transactions using revoked codes may fail or be returned. Always use the new IFSC PUNB0MBGB06.
Q: Which transfer mode should I use — NEFT, RTGS, or IMPS?
A: Use IMPS for small, immediate transfers any time. Use NEFT for regular transfers (convenient and often cost-effective). Choose RTGS for high-value, immediate settlement when you need large sums cleared quickly. Check bank-specific limits and charges before choosing.
Q: Can a wrong IFSC cause loss of funds?
A: If the IFSC points to a different branch but the account number belongs to the intended beneficiary, banks generally credit the account. If the account number and IFSC don’t match any valid account, the transfer will fail or be returned. Contact your bank and the beneficiary’s branch (9771464017) immediately if you suspect an error.
Q: Are NEFT and RTGS available all day?
A: NEFT and RTGS have been enabled for extended/24×7 operation across most banks. However, some banks may have internal cutoffs for processing. If timing is critical, confirm with your bank or use IMPS for instant 24×7 transfers.
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.