Bihar Gramin Bank BELAUTI IFSC Code

The Bihar Gramin Bank branch at Belauti is located in Bhojpur district, Bihar (PIN 802154). This page gives the key branch details and explains the role of the IFSC code for electronic fund transfers. An accurate IFSC is required to route NEFT, RTGS and IMPS transactions to the correct bank branch. Using the wrong IFSC can delay or misroute a payment, so always verify the code before initiating a transfer.

Branch Details

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a unified structure under Punjab National Bank for IFSC and transaction routing. The combined branches now use the single IFSC PUNB0MBGB06 under Punjab National Bank. Old UBGB or DBGB IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions for affected branches.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to uniquely identify a bank branch in electronic payments. The structure is:

• First 4 characters: Bank identifier (for example, PUNB = Punjab National Bank).
• 5th character: Reserved and is always 0.
• Last 6 characters: Branch identifier (alphanumeric). In PUNB0MBGB06, the suffix MBGB06 identifies the specific branch within the bank’s routing system.

Note: Banks may also maintain a numeric internal branch code (for example 7019) used in their back office. That numeric branch code does not always match the alphanumeric IFSC suffix, but both identify the same physical branch from different systems.

How to Use IFSC Code

• Open your bank’s internet banking, mobile app, or visit the branch to initiate a fund transfer.
• Choose the transfer type: NEFT, RTGS or IMPS.
• Enter beneficiary name, account number and the IFSC PUNB0MBGB06 for Bihar Gramin Bank, Belauti branch.
• Verify MICR (800811002) if required for cheque processing, but it’s not needed for NEFT/RTGS/IMPS.
• Confirm transfer amount and purpose. Check any bank-set limits—for example, RTGS is intended for higher-value transfers and IMPS has per-transaction limits set by the bank.
• Authenticate the transaction (OTP, token or PIN) and save the beneficiary after a successful transfer for future use.
• Always double-check the IFSC and account number before confirming. An incorrect IFSC can route the payment to the wrong branch or cause rejection.

Benefits of Knowing the IFSC

• Ensures accurate routing of NEFT, RTGS and IMPS transactions to the intended branch.
• Saves time by avoiding failed or returned transactions.
• Required for online payments, salary credits, vendor transfers and government payments.
• Helps bank staff and customers verify branch identity when reconciling transactions.
• Useful when filling bank details on forms that require a bank identifier (for example, tax refunds or utility bill mandates).

Contact

Branch Phone: 9771464019

Branch Address: BELAUTI, Bhojpur, 802154

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free: 18001807777

FAQs

• Q: Can I use the old UBGB IFSC for transfers?

  A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use the updated IFSC PUNB0MBGB06 for transactions.

• Q: What if I enter a wrong IFSC but the correct account number?

  A: If the IFSC does not match the account’s bank branch, the transfer can fail or be routed incorrectly. Many systems validate IFSC and account-bank mapping; if a mismatch is detected the transaction will be rejected. Always confirm both.

• Q: Is MICR required for NEFT/RTGS/IMPS?

  A: No. MICR (800811002) is used for cheque clearing and cheque-based processes. For NEFT/RTGS/IMPS you must provide the correct IFSC and account number.

• Q: Which transfer method should I use for large amounts?

  A: Use RTGS for high-value real-time gross settlement transfers. RTGS is intended for higher amounts (banks typically set a minimum such as ₹2,00,000). NEFT is suitable for lower value transfers and is now available round-the-clock in most banks. IMPS is instant and available 24×7 but has per-transaction limits set by the bank.

• Q: How do I verify this branch’s IFSC before sending money?

  A: Confirm IFSC from the branch (phone 9771464019), your bank’s beneficiary-add screen, or printed bank documents like passbook pages and account statements. After the UBGB/DBGB merger, ensure you use PUNB0MBGB06.

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.