Bishanpur Hat branch is located in Kishanganj district of Bihar (PIN 855101). This branch serves local retail and agriculture customers and handles inward and outward fund transfers for the area. For electronic payments—NEFT, RTGS and IMPS—the branch’s IFSC code is required to route money correctly. A correct IFSC ensures your funds reach the right bank and branch without delay and avoids reversals or extra bank charges.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bishanpur Hat |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100810 |
| Branch Address | Bishanpur Hat, KISHANGANJ, 855101, 9297954392 |
| Contact Number | 9297954392 |
| City | KISHANGANJ |
| District | KISHANGANJ |
| Reason | ARARIA |
| Pincode | 855101 |
| State | Bihar |
Merger Update
Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity under Punjab National Bank’s umbrella for banking operations. As part of that consolidation the unified IFSC code in use is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. Use only the new IFSC (PUNB0MBGB06) for NEFT, RTGS and IMPS transfers to this branch. Transactions attempted with revoked IFSCs may fail or be returned.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to uniquely identify a bank branch in electronic payment systems. The format is standard:
- First 4 characters – bank identifier (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character – reserved and is always 0.
- Last 6 characters – branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.
Note: The branch’s internal numeric branch code (for example 100810) can be different from the 6-character suffix in the IFSC. Banks map the IFSC suffix to their branch records.
How to Use IFSC Code
Follow these steps when making a transfer by NEFT, RTGS or IMPS:
- Open your bank’s transfer page or mobile app and choose the transfer type (NEFT / RTGS / IMPS).
- Enter the beneficiary’s account number exactly as given.
- Enter the beneficiary name. Many banks verify this name against the target account; always confirm spelling.
- Enter the IFSC: PUNB0MBGB06 for Bishanpur Hat branch. Copy-paste or type carefully; one wrong character can route or reject the payment.
- Enter amount and purpose. For RTGS check the minimum amount requirement set by your bank (RTGS is typically for higher value transfers), while NEFT has no minimum and IMPS supports immediate small-value transfers.
- Verify all details on the confirmation screen. Save or note the transaction reference number for tracking.
- If the transfer fails or is returned, contact your bank with the reference number and beneficiary details. Allow the standard processing times: IMPS is instant; NEFT and RTGS often process within minutes to hours depending on the clearing schedule, though many services now run 24×7.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic funds to the intended branch.
- Reduces the chance of failed or delayed transactions and avoids reversals.
- Needed for setting up beneficiary details in internet banking and mobile apps.
- Required when filling cheque-to-account forms and some e-mandates.
- Makes reconciliation and record-keeping easier for businesses and accountants.
Contact
Branch phone: 9297954392
Branch address: Bishanpur Hat, KISHANGANJ, 855101
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: How do I confirm the correct IFSC before sending money?
A: Check a recent bank passbook entry, a printed cheque leaf (IFSC is usually printed on the cheque), or call the branch phone number. Always confirm the IFSC with the beneficiary if you are unsure.
Q: What happens if I enter the wrong IFSC?
A: If the wrong IFSC points to another valid branch, the funds may go to that account and require a recall process. If the IFSC is invalid, most systems reject the transaction and the money remains in your account or is returned. Contact your bank immediately if you spot an error.
Q: Can I use an old UBGB/DBGB IFSC code for transfers to this branch?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transactions to this branch.
Q: Which transfer method should I use — NEFT, RTGS or IMPS?
A: Use IMPS for instant low-value transfers any time. Use NEFT for standard online transfers (suitable for most payments). Use RTGS for large-value real-time transfers when your bank requires it (checks minimums). Check your bank’s limits and charges.
Q: What is the MICR code used for?
A: MICR (Magnetic Ink Character Recognition) code—here 800811002—is used for cheque clearing in the clearinghouse. It is not required for online NEFT/RTGS/IMPS transfers but is useful for cheque processing and reconciliation.
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.