Bhitha is a branch of Bihar Gramin Bank located in Sitamarhi district of Bihar. This branch handles local banking needs for residents and small businesses in the area. For any electronic fund transfer — NEFT, RTGS or IMPS — you must use the correct IFSC code. The IFSC identifies the bank and branch in India’s electronic payment systems. Using the wrong code or an old, revoked code can delay or block your transfer.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bhitha |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100081 |
| Branch Address | Bhitha, SITAMARHI, 0, 9297954772 |
| Contact Number | 9297954772 |
| City | SITAMARHI |
| District | SITAMARHI |
| Reason | SITAMARHI |
| Pincode | 0 |
| State | Bihar |
Merger Update
Bihar Gramin Bank’s operations include branches previously run under regional gramin banks such as Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These entities have been consolidated under the sponsor bank structure with Punjab National Bank. The unified IFSC for the merged entity is PUNB0MBGB06. Old IFSC codes issued to UBGB branches have been revoked. Only the new IFSC PUNB0MBGB06 should be used for NEFT, RTGS and IMPS transfers to this branch. Transfers attempted using revoked IFSC codes are likely to fail or be returned.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments. The structure is:
- First 4 characters: Bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character: Always zero (0). It is reserved for future use.
- Last 6 characters: Branch identifier. It can be letters and/or numbers. Example: MBGB06 is the branch code portion in PUNB0MBGB06.
So the code PUNB0MBGB06 breaks down as: PUNB | 0 | MBGB06.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s netbanking site or mobile app and go to the “Add Beneficiary” or “Manage Payee” section.
- Enter beneficiary name, bank account number and the IFSC code PUNB0MBGB06. Double-check the account number and IFSC characters.
- Save and verify the beneficiary. Most banks require an OTP or a cooling period (varies by bank).
- To transfer funds choose the method:
- NEFT: No strict minimum. Settlements occur in half-hour batches during NEFT hours.
- RTGS: Use for large-value transfers. Typical minimum is ₹2,00,000, but check your bank’s limit.
- IMPS: Instant and available 24×7. Typically used for small and medium-value transfers (bank-specific limits).
- Enter amount and purpose, confirm with OTP or transaction PIN. Note the transaction reference number for tracking.
- If a transfer fails, contact your bank immediately and provide the reference number and beneficiary details.
Benefits of Knowing the IFSC
- Ensures funds are routed to the correct bank branch for NEFT, RTGS and IMPS.
- Reduces delays and returned transactions caused by incorrect branch information.
- Required to add beneficiaries in netbanking and mobile banking apps.
- Useful for verifying branch identity when receiving payments or setting up auto-credit instructions.
- Helps customer service troubleshoot failed or pending electronic transfers quickly.
Contact
Branch Phone No: 9297954772
Branch Address: Bhitha, SITAMARHI, 0, 9297954772
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: Can I use the old UBGB IFSC for transfers to this branch?
A: No. Old UBGB IFSC codes have been revoked after the merger. Use the current IFSC PUNB0MBGB06. Transfers with revoked IFSCs will likely be rejected.
Q: What if I enter a wrong IFSC but the correct account number?
A: If the wrong IFSC belongs to a different bank or branch, the payment may be routed incorrectly and returned, or it may fail during validation. If the bank and account number mismatch, the transfer usually fails. Contact your bank immediately with the transaction reference.
Q: Is IFSC the same as MICR?
A: No. IFSC is used for electronic transfers. MICR (Magnetic Ink Character Recognition) code is used mainly for cheque processing. For electronic transfers, IFSC is mandatory; MICR is not required.
Q: How do I verify the IFSC before sending money?
A: Verify the IFSC from the beneficiary’s bank branch details, the branch passbook, or official bank communication. Double-check characters — IFSCs are case-insensitive but must be exact.
Q: Are there limits on NEFT, RTGS and IMPS transactions?
A: Yes. NEFT usually has no minimum and is used in batches. RTGS is meant for high-value transfers and banks typically enforce a minimum (commonly ₹2,00,000). IMPS is instant and has bank-specific upper limits (often ₹1–2 lakh per transaction). Check your bank’s transaction caps before initiating a transfer.
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.