The Bihar Gramin Bank, Mithai branch is located in Mithai village, Madhepura district, Bihar (PIN 852132). This IFSC code page helps customers and third parties identify the branch for electronic fund transfers. The IFSC is essential when sending money through NEFT, RTGS or IMPS because it uniquely routes payments to this specific bank branch and prevents misrouting or delays.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Mithai |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100727 |
| Branch Address | Mithai, MADHEPURA, 852132, 9297954327 |
| Contact Number | 9297954327 |
| City | MADHEPURA |
| District | MADHEPURA |
| Reason | SAHARSA |
| Pincode | 852132 |
| State | Bihar |
Merger Update
Important: Bihar Gramin Bank branches that formerly belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) have been consolidated and now operate under Punjab National Bank’s consolidated IFSC structure. The Mithai branch uses the single IFSC code PUNB0MBGB06 for all NEFT/RTGS/IMPS transactions. Old UBGB or DBGB IFSC codes for this branch have been revoked; they are no longer valid for fund transfers. Always use the new IFSC printed above when initiating payments.
What is an IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic payments in India. The structure is fixed:
- First 4 characters – Bank code (alphabetic). Example: PUNB indicates Punjab National Bank.
- 5th character – Reserved and always 0 (zero).
- Last 6 characters – Branch identifier (alphanumeric). Example: in PUNB0MBGB06, MBGB06 identifies the Mithai branch within the bank’s system.
The IFSC directs electronic messages (NEFT/RTGS/IMPS) to the correct bank and branch. It is different from the MICR code, which is used primarily for cheque processing by the clearinghouse.
How to Use the IFSC Code (NEFT, RTGS, IMPS)
- Open your bank’s netbanking or mobile app, or visit a branch for offline transfer.
- Select the transfer type: NEFT, RTGS or IMPS. (IMPS is immediate and used 24×7 for small/medium amounts; NEFT is batch-settlement based in many banks; RTGS is for high-value real-time transfers.)
- Add a new beneficiary/recipient by entering: beneficiary name, beneficiary account number, and the beneficiary branch IFSC: PUNB0MBGB06.
- Enter transfer amount and a remark (optional). Verify the account number and IFSC carefully—mistakes can delay or misroute funds.
- Authenticate the payment using your bank’s method (OTP, token, UPI PIN depending on channel).
- Check the transaction status after submission. For IMPS and RTGS you typically get immediate confirmation; NEFT confirmations can be subject to bank processing.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic payments to the exact branch.
- Prevents transfer failures and reduces the chance of funds being returned or delayed.
- Required to add beneficiaries in netbanking and mobile banking apps.
- Useful for bulk or payroll transfers where branch-level identification matters.
- Helps verify that the receiving branch has been migrated correctly after mergers (as in UBGB/DBGB consolidation).
Contact
Branch phone: 9297954327
Branch address: Mithai, MADHEPURA, 852132
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Can I use an old UBGB or DBGB IFSC for transfers to this branch?
A: No. Old UBGB/DBGB IFSC codes for this branch have been revoked. Use the new IFSC PUNB0MBGB06 for all NEFT/RTGS/IMPS transactions.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match the account number, the transfer may either fail or be routed to the wrong branch. In many cases banks reject the transfer and return money, but resolution can take time. Always verify the IFSC and account number with the beneficiary.
Q: How do I verify the IFSC before sending money?
A: Confirm directly with the beneficiary, check the bank’s printed passbook, or call the branch phone (9297954327). You can also ask the beneficiary to provide a bank statement or cheque leaf showing the branch name and IFSC.
Q: What is the difference between IFSC and MICR?
A: IFSC routes electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) code is used mainly by the cheque clearing system to speed up physical cheque processing. Both identify branches, but for different systems.
Q: I need to send a large amount. Should I use RTGS or NEFT?
A: RTGS is intended for large-value, near-real-time transfers; NEFT is suitable for routine transfers and is processed in settlement cycles depending on the bank. Check your bank’s limits and charges before choosing. For urgent high-value payments, confirm RTGS availability and procedure with your bank.
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.