Bela is a town in East Champaran district of Bihar (PIN 845302). This page covers the Bihar Gramin Bank, Bela branch and its banking identifiers. The IFSC code is essential for electronic fund transfers — NEFT, RTGS and IMPS — because it tells the payment system which bank and which branch should receive the money. Using the correct IFSC avoids delays and failed transfers.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bela |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 108132 |
| Branch Address | Bela, EAST CHAMPARAN, 845302, 9297954611 |
| Contact Number | 9297954611 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845302 |
| State | Bihar |
Merger Update
This branch now uses the IFSC PUNB0MBGB06 under Punjab National Bank. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into a single structure. Old UBGB and DBGB IFSC codes have been revoked. For any electronic transfer to this branch use only PUNB0MBGB06. Old codes will cause failed transactions or require manual reversal and delay.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code. The format is fixed:
- First 4 characters — identify the bank (for example, PUNB = Punjab National Bank).
- 5th character — is reserved and is always 0 (zero).
- Last 6 characters — identify the specific branch (can be letters or numbers).
Example: in PUNB0MBGB06, “PUNB” is the bank, “0” is the reserved character, and “MBGB06” denotes the branch identifier used by the bank.
How to Use IFSC Code
- Open your bank’s netbanking or mobile banking app and go to “Funds Transfer” or “Add Beneficiary”.
- Enter beneficiary name, bank account number and the IFSC: PUNB0MBGB06.
- Save or validate the beneficiary. Many banks send an OTP to confirm the addition.
- Choose the transfer type: NEFT, RTGS or IMPS. Select based on urgency and amount.
- Enter the amount and a payment remark. Confirm with OTP or transaction password as required.
- Check the confirmation screen and transaction reference for tracking. Keep the reference until the beneficiary confirms receipt.
Note: Always double-check the IFSC and account number before confirming. If the IFSC is wrong, the transfer can fail or go to the wrong branch and require a time-consuming reversal.
Benefits of Knowing the IFSC
- Ensures electronic transfers reach the exact branch and account.
- Reduces delays and failed transactions.
- Required when adding beneficiaries for NEFT, RTGS and IMPS.
- Helps in verifying cheque processing (MICR) and reconciliation.
- Useful for salary credits, vendor payments and receiving online remittances.
Contact
Branch phone: 9297954611
Branch address: Bela, EAST CHAMPARAN, 845302
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free number: 18001807777
FAQs
Q: Which IFSC should I use for transfers to Bihar Gramin Bank, Bela?
A: Use PUNB0MBGB06. This is the valid IFSC under Punjab National Bank after the merger.
Q: Can I use an old UBGB or DBGB IFSC for transfers?
A: No. Old UBGB/DBGB IFSCs have been revoked. Using them will likely fail. Use PUNB0MBGB06.
Q: What is the MICR code used for?
A: The MICR code 800811002 is used by banks and clearing houses for processing physical cheques and bulk clearing. It is not required for most online fund transfers.
Q: I entered the wrong IFSC—what should I do?
A: Contact your bank immediately and provide the transaction reference. If the transfer failed, funds will return to your account. If it reached a wrong account, the bank will initiate a reversal process which can take several days.
Q: Do I need the IFSC for UPI transfers?
A: No. UPI uses virtual payment addresses and does not require IFSC. IFSC is required for NEFT, RTGS and IMPS when initiating transfers through netbanking or branch forms.
Q: Where can I get confirmation that this IFSC is correct?
A: Confirm via the branch phone 9297954611 or your bank’s customer service. Use the head office toll-free number 18001807777 if you need further verification.
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.