Bhairobhup is a branch located in Sitamarhi district of Bihar. This article gives the Bhairobhup branch details and the IFSC you need for bank transfers. The IFSC (Indian Financial System Code) is required to route electronic payments through NEFT, RTGS and IMPS. Using the correct IFSC ensures your transfer reaches the right bank and branch without delay.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bhairobhup |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 108023 |
| Branch Address | Bhairobhup, SITAMARHI, 0, 9297954741 |
| Contact Number | 9297954741 |
| City | SITAMARHI |
| District | SITAMARHI |
| Reason | SITAMARHI |
| Pincode | 0 |
| State | Bihar |
Merger Update
Bihar Gramin Bank includes branches from the earlier Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both those regional banks were reorganized under the sponsorship of Punjab National Bank. As a result, this branch now uses the single IFSC PUNB0MBGB06 under Punjab National Bank. Old UBGB IFSC codes have been revoked. Only the new IFSC code (PUNB0MBGB06) is valid for electronic transactions.
What is IFSC Code?
The IFSC is an 11-character code used to identify bank branches in electronic payment systems. Its structure is fixed:
- First 4 characters — bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character — reserved and is always 0.
- Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 identifies the specific branch.
So in PUNB0MBGB06: PUNB = bank, 0 = reserved digit, MBGB06 = Bhairobhup branch code.
How to Use IFSC Code
- Open your bank’s netbanking site or mobile app and go to “Funds Transfer” or “Add Beneficiary”.
- Choose transfer type (NEFT, RTGS, IMPS). IMPS is instant and available 24×7. NEFT and RTGS are also available round-the-clock in most banks now.
- Enter beneficiary name, account number and the IFSC PUNB0MBGB06. Add MICR only if asked for cheque processing.
- Verify the beneficiary details shown by the bank. Check bank name and branch before confirming.
- Enter amount and purpose. Authenticate with OTP or banking PIN as required.
- Save beneficiary (if you will use again) and note the transaction reference for tracking.
Benefits of Knowing the IFSC
- Ensures funds route to the correct bank and specific branch.
- Required to add beneficiaries for NEFT, RTGS and IMPS transfers.
- Reduces chances of delays and manual intervention during clearing.
- Helps reconcile payments when you keep a record of IFSC + account number.
- MICR and IFSC together help with electronic and cheque clearing distinctions.
Contact
Branch phone: 9297954741
Branch address: Bhairobhup, SITAMARHI, 0, 9297954741
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only IFSC to use for Bhairobhup branch?
A: Yes. After the merger, this is the valid IFSC. Old UBGB or DBGB IFSC codes are revoked and should not be used.
Q: What is the MICR code 800811002 used for?
A: MICR (Magnetic Ink Character Recognition) is used in clearing physical cheques. It speeds up cheque processing at clearing houses. It is not used for online NEFT/RTGS/IMPS transfers.
Q: What happens if I enter the wrong IFSC?
A: If IFSC and account number mismatch, many transfers will be rejected and amount will be reversed. If the wrong IFSC points to a valid account and wrong recipient, contact your bank immediately to start a recall. Timely action increases chances of recovery.
Q: Can I use UPI instead of IFSC-based transfer?
A: Yes, UPI uses a Virtual Payment Address (VPA) and does not require IFSC. Use UPI if both sender and recipient support it. For direct bank-to-bank account transfers using NEFT/RTGS/IMPS, IFSC is required.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is instant (seconds). RTGS is real-time and used for large-value transfers — usually immediate. NEFT settles quickly; many banks process NEFT transactions near-instantly now as NEFT is available 24×7. Actual time can vary by bank and amount.
If you plan a transfer, double-check the IFSC and account number before confirming. For any discrepancies, contact the branch at 9297954741 or the head office toll-free at 18001807777.
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.