Bihar Gramin Bank Bajitpur IFSC Code

Bajitpur is a branch of Bihar Gramin Bank located in Bajitpur, Darbhanga district, Bihar (PIN 847422). This branch serves local residents and small businesses in and around Darbhanga. For digital fund transfers — NEFT, RTGS, and IMPS — the correct IFSC code is essential. The IFSC directs the payment to the exact bank branch in the national electronic clearing system. A wrong or revoked IFSC can delay or block transactions.

Branch Details

Merger Update

If this branch was earlier part of Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note the following. UBGB and DBGB have been merged under Punjab National Bank (PNB). The single valid IFSC for the merged entities is PUNB0MBGB06. All old UBGB and DBGB IFSC codes have been revoked. Use only PUNB0MBGB06 for NEFT, RTGS or IMPS transactions to this branch. Transactions attempted with revoked IFSCs will fail or be returned.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic payment systems.

• First 4 characters are the bank identifier. Example: PUNB = Punjab National Bank.
• 5th character is always 0 (reserved for future use).
• Last 6 characters identify the specific branch. Example: in PUNB0MBGB06, the last 6 are MBGB06.

How to Use IFSC Code (NEFT, RTGS, IMPS)

• Open your bank’s netbanking app or mobile banking.
• Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT and RTGS are used depending on the bank’s timelines and the amount.)
• Add a beneficiary if not already saved. Provide: beneficiary name, account number, and the IFSC PUNB0MBGB06. Verify branch details (Bajitpur, Darbhanga).
• Enter the amount and a payment description if required.
• Confirm the details. Double-check the IFSC and account number before authorizing.
• Authenticate the payment using your bank’s method (OTP, MPIN, transaction password). Keep the transaction reference or UTR for records.
• If the transfer fails, contact your bank quoting the UTR and branch contact number 9297955074.

Benefits of Knowing the IFSC

• Accurate routing: Sends funds to the correct branch and account.
• Faster processing: Correct IFSC reduces returns and delays.
• Required for online transfers: Most banking forms and apps ask for IFSC.
• Helps reconciliation: Businesses and payers can match UTRs with branch IFSCs.
• Avoids rejected payments: Using revoked or wrong IFSC causes failures.

Contact

Branch phone no: 9297955074

Branch Address: Bajitpur, DARBHANGA, 847422

Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free no: 18001807777

FAQs

• Q: What IFSC should I use for Bajitpur branch transfers?

  A: Use PUNB0MBGB06. This is the valid IFSC under Punjab National Bank for the Bihar Gramin Bank Bajitpur branch.

• Q: I have an old UBGB IFSC. Can I use it?

  A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Only PUNB0MBGB06 is valid.

• Q: What is the MICR code used for?

  A: MICR (Magnetic Ink Character Recognition) code, here 800811002, is used for cheque clearance by the clearing system. It is different from IFSC and is not required for online NEFT/RTGS/IMPS transfers.

• Q: What if I enter a wrong IFSC by mistake?

  A: If the IFSC does not match the bank and branch details, the transfer will likely fail or be routed incorrectly and then returned. Check the UTR and contact your bank immediately. Keep the beneficiary’s account number and branch contact (9297955074) handy.

• Q: Can I visit the branch to send a transfer?

  A: Yes. You can request NEFT/RTGS from the branch counter. Bring valid ID, beneficiary details, and the IFSC PUNB0MBGB06. For urgent or repetitive payments, netbanking or mobile apps are faster.

Kriti Kumari

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.