Bheja is a village in the Madhubani district of Bihar. This branch serves local residents and small businesses in and around Bheja (PIN 847408). For any electronic fund transfer — NEFT, RTGS, or IMPS — the correct IFSC code is required. The IFSC routes your payment to the exact bank and branch. Using the wrong code can delay the payment or cause it to fail.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bheja |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100335 |
| Branch Address | Bheja, MADHUBANI, 847408, 9297954915 |
| Contact Number | 9297954915 |
| City | MADHUBANI |
| District | MADHUBANI Reason: JHANJHARPUR |
| Pincode | 847408 |
| State | Bihar |
Merger Update
The Bihar Gramin Bank branch at Bheja now uses the single IFSC code PUNB0MBGB06 under Punjab National Bank. If this branch was earlier listed under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note that those two entities have been consolidated and their old IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions. Always confirm the IFSC before initiating a transfer.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code. The structure is:
- First 4 characters: Bank identifier (example: PUNB = Punjab National Bank).
- 5th character: Reserved and is always 0.
- Last 6 characters: Branch identifier (alphanumeric). In this case: MBGB06.
So PUNB0MBGB06 decodes as PUNB (bank) + 0 (fixed) + MBGB06 (branch id).
How to Use IFSC Code
Follow these steps when sending money via NEFT, RTGS or IMPS:
- Log in to your bank’s internet banking or mobile app. Or visit the branch if you prefer offline banking.
- Go to the fund transfer or beneficiary management section.
- Select the transfer type: IMPS (instant, typically for small amounts), NEFT (no minimum, batch/continuous settlement), or RTGS (for large value transfers; minimum usually ₹2,00,000).
- Add a new beneficiary. Enter the beneficiary name exactly as in their bank records.
- Enter the beneficiary account number and the IFSC code PUNB0MBGB06. Choose the correct bank and branch if prompted.
- Save beneficiary (may require OTP or bank authentication). Verify the beneficiary if the bank enforces a cooling period.
- Initiate the transfer. Enter amount and purpose. Confirm details carefully before authorizing.
- Approve the transaction using OTP, token or other bank authentication.
- Keep transaction reference number for future tracking.
Notes:
- RTGS typically has a minimum amount (commonly ₹2 lakh). Check your bank for the exact threshold and charges.
- IMPS is instant and available 24×7, subject to bank limits (commonly up to ₹2 lakh per transaction, but limits vary by bank).
- NEFT/RTGS are now largely available round-the-clock. Still confirm with your bank about any maintenance windows or limits.
Benefits of Knowing the IFSC
- Ensures funds reach the exact branch and account without delays.
- Required for adding beneficiaries in netbanking and apps.
- Helps customer service quickly identify the branch for queries and reversals.
- Needed for electronic payments like utility bills, vendor payments and salaries.
- Prevents failures and return charges caused by incorrect routing details.
Contact
Branch Phone No: 9297954915
Branch Address: Bheja, MADHUBANI, 847408
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: Can I still use an old UBGB or DBGB IFSC for transfers?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all transactions to this branch.
Q: What happens if I enter the wrong IFSC?
A: If IFSC does not match the account’s bank/branch, the payment may fail or be returned. In some cases it may route to a wrong branch if account number matches another bank—this is rare. Contact your bank immediately with the transaction reference for recovery steps.
Q: What is the MICR code for this branch and when is it used?
A: The MICR code is 800811002. MICR is mainly used for processing physical cheques and high-volume clearing. It is not required for NEFT/RTGS/IMPS.
Q: How long do NEFT, RTGS and IMPS transfers take to reach this branch?
A: IMPS is instant (seconds to minutes). NEFT is processed quickly and is available 24×7; settlement is usually within minutes to a few hours. RTGS is for large-value transfers and is also available on a near real-time basis; confirm bank cutoffs and charges.
Q: Are there charges for using IFSC-based transfers?
A: Banks may levy fees for NEFT/RTGS/IMPS depending on amount and channel (branch vs. online). Many banks waive charges for online transfers. Check your bank’s fee schedule before initiating large transfers.
If you plan to send funds to Bheja branch, verify the IFSC, account number and beneficiary name before confirming the transaction. Keep the transaction reference for follow-up if needed.
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.