The Bihar Gramin Bank branch at Belsand is located in Sitamarhi district, Bihar. This branch uses the IFSC code PUNB0MBGB06 for electronic fund transfers. The IFSC is essential when you send money through NEFT, RTGS or IMPS: it identifies the bank and the specific branch so payments route correctly and clear without manual intervention.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Belsand |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100080 |
| Branch Address | Belsand, SITAMARHI, 0, 9297954739 |
| Contact Number | 9297954739 |
| City | SITAMARHI |
| District | SITAMARHI |
| Reason | SITAMARHI |
| Pincode | 0 |
| State | Bihar |
Merger Update
Important: Bihar Gramin Bank branches that were previously part of Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) now operate under Punjab National Bank’s electronic clearing system. All merged branches use the single IFSC code PUNB0MBGB06 for NEFT, RTGS and IMPS. Old UBGB/DBGB IFSC codes have been revoked. For transfers, always use PUNB0MBGB06; any legacy IFSC will result in failed or delayed transactions.
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 standard:
- First 4 characters — bank identifier (example: PUNB = Punjab National Bank).
- 5th character — reserved and is always 0.
- Last 6 characters — branch identifier (example: MBGB06 in PUNB0MBGB06).
The IFSC is used by NEFT, RTGS and IMPS systems to route messages and settle payments electronically. It is different from the MICR code, which is used for cheque clearing through physical processing centers.
How to Use IFSC Code
Follow these steps when making an electronic transfer to the Belsand branch:
- Open your bank’s netbanking app or mobile banking and go to “Fund Transfer” or “Add Beneficiary.”
- Enter the beneficiary name exactly as on their account.
- Enter the beneficiary account number.
- For bank name/IFSC, enter PUNB0MBGB06. Do not substitute or shorten it.
- Enter the branch name (Belsand) if the form requests it, and verify city/district (SITAMARHI).
- Confirm MICR or branch code fields only if requested; MICR is 800811002 and branch code is 100080 for record-keeping.
- Verify all details and submit. For NEFT/RTGS select the transfer type. For immediate payment use IMPS or RTGS (for high-value, real-time transfers).
- Keep the transaction reference or UTR for tracking. If the transfer fails, contact the sending bank with this reference.
Practical tips: copy-paste the IFSC to avoid typing errors. Watch out for the difference between the numeral zero 0 and the letter O. Trim spaces before and after the code.
Benefits of Knowing the IFSC
- Ensures money is routed to the correct branch for NEFT, RTGS and IMPS transfers.
- Reduces delays and failed transfers due to incorrect routing.
- Required when adding beneficiaries in internet or mobile banking.
- Helps verify branch identity for reconciliation and bookkeeping (matches last 6 characters to branch).
- Useful for validating cheques—MICR and IFSC together speed up electronic and paper clearing.
Contact
Branch phone no: 9297954739
Branch Address: Belsand, SITAMARHI, 0, 9297954739
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use an old UBGB or DBGB IFSC to send money?
A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use PUNB0MBGB06 for all transactions to this branch.
Q: Is IFSC required for IMPS transfers as well?
A: Yes. IMPS also requires an IFSC (and account number), unless you send money using a mobile number/Aadhaar mapping available in your bank’s service. For beneficiary-based IMPS, IFSC is mandatory.
Q: What is MICR and when is it used?
A: MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque clearing through physical clearing houses. It does not replace IFSC for electronic transfers. For this branch MICR is 800811002.
Q: My transfer failed citing invalid IFSC. What should I do?
A: First re-check the IFSC for typing errors (watch 0 vs O). If correct, contact your bank with the transaction reference. If the receiving bank has changed IFSC after a merger, they will provide the correct code—use PUNB0MBGB06 for this branch.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is immediate (real-time). RTGS is real-time and used for high-value payments. NEFT settles in electronic batches or near real-time depending on the bank’s processing; in practice NEFT is available broadly throughout the day. Always retain the UTR/transaction reference to track any delays.
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.