Bisfi branch of Bihar Gramin Bank is located in Bisfi town, MadhuBani district, Bihar, PIN 847122. This branch serves local residents and businesses for deposits, withdrawals and electronic transfers. For sending or receiving money through NEFT, RTGS or IMPS you must use the correct IFSC code. The IFSC routes the payment to the exact bank and branch and prevents delays or automatic returns.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bisfi |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100375 |
| Branch Address | Bisfi, MADHUBANI, 847122, 9297954843 |
| Contact Number | 9297954843 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | MADHUBANI |
| Pincode | 847122 |
| State | Bihar |
Merger Update
The Bihar Gramin Bank Bisfi branch now uses the IFSC code PUNB0MBGB06, which belongs to Punjab National Bank (PNB) after restructuring. Note that the regional banks Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged under PNB. Old UBGB/DBGB IFSC codes have been revoked. For all NEFT/RTGS/IMPS transfers to branches formerly under UBGB or DBGB, use only the new IFSC PUNB0MBGB06. Transactions sent to old, revoked IFSCs will fail or be returned.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic payments. Its structure is:
- First 4 characters = bank identifier (example: PUNB = Punjab National Bank).
- 5th character = usually the digit 0 (reserved for future use).
- Last 6 characters = branch identifier (example: MBGB06 in PUNB0MBGB06).
How to Use IFSC Code
Follow these steps when sending money via NEFT, RTGS or IMPS:
- Open your bank’s netbanking app or mobile banking. Choose fund transfer or add beneficiary option.
- Enter beneficiary name, account number and the IFSC code exactly as PUNB0MBGB06. Do not add spaces or change characters.
- Verify the branch name that appears after entering IFSC. If it doesn’t match “Bisfi” or “MADHUBANI”, stop and re-check details.
- For NEFT: there is generally no minimum. NEFT is now available round-the-clock in batches. Expect settlement within minutes to a few hours depending on clearing and bank processing.
- For RTGS: RTGS is for large-value transfers. Minimum amount is typically ₹2,00,000. RTGS is available 24×7 and settles in real time.
- For IMPS: use IMPS for instant transfers up to your bank’s limit. IMPS works 24×7, including holidays.
- Confirm the transfer and authenticate with OTP or secure token. Save the transaction reference for tracking.
- If you accidentally use a wrong IFSC, the money may be returned to your account after validation, which can take time and may incur bank charges.
Benefits of Knowing the IFSC
- Ensures accurate routing of electronic payments to the exact branch.
- Prevents failed transfers and reduces delay in refunds.
- Required for adding beneficiaries for NEFT, RTGS and IMPS.
- Makes it easier to verify branch details before initiating large transfers.
- Useful for payroll, vendor payments and receiving inward remittances reliably.
Contact
Branch phone no: 9297954843
Branch Address: Bisfi, MADHUBANI, 847122
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the correct IFSC for Bisfi branch?
A: Yes. The current and only valid IFSC for this branch for electronic transfers is PUNB0MBGB06.
Q: Can I use IMPS with this IFSC?
A: Yes. IMPS requires the account number and IFSC. Transfers are instant and available 24×7 subject to bank limits.
Q: What happens if I enter a wrong IFSC?
A: If the wrong IFSC points to a different valid branch, funds may go to a different account or be returned. If the IFSC is invalid/revoked, the payment will likely be rejected and returned. Expect delays and possible return charges.
Q: Why is the IFSC different from the bank name Bihar Gramin Bank?
A: The IFSC PUNB0MBGB06 uses the PNB prefix because regional banks (UBGB/DBGB and related units) were merged under Punjab National Bank for routing. The branch operates locally but electronic routing uses the PNB-based IFSC.
Q: What is the MICR code 800811002 used for?
A: MICR (Magnetic Ink Character Recognition) code is used primarily for cheque clearing. The code 800811002 helps the clearing system identify the bank and branch during cheque processing.
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.