Bhadas is a village branch in Khagaria district, Bihar (PIN 851204). It serves local farmers, small businesses and residents for deposits, withdrawals and remittances. For electronic fund transfers—NEFT, RTGS and IMPS—the branch IFSC is essential. The IFSC tells banks exactly which bank and branch should receive funds. Using the correct IFSC avoids failed transfers, delays and reconciliation problems.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bhadas |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3527 |
| Branch Address | Bhadas, Khagaria, 851204, 8102609027 |
| Contact Number | 8102609027 |
| City | Khagaria |
| District | Khagaria |
| Reason | BEGUSARAI |
| Pincode | 851204 |
| State | Bihar |
Merger Update
Important: Several regional gramin banks in Bihar were restructured under Punjab National Bank. If this branch was earlier under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), both those entities have been merged into a single banking setup under Punjab National Bank. All old UBGB/DBGB IFSC codes have been revoked. The single valid IFSC for transactions at this location is PUNB0MBGB06. Use only this IFSC for NEFT, RTGS and IMPS transfers to avoid failed transactions.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character code used for electronic fund transfers within India.
- First 4 characters: Bank identifier. Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier. Example: MBGB06 identifies the specific branch.
Example: For PUNB0MBGB06 — PUNB = bank, 0 = reserved, MBGB06 = Bhadas branch code under the merged bank structure.
How to Use IFSC Code (NEFT, RTGS, IMPS)
- Open your bank’s netbanking portal or mobile app. You can also use your branch counter for registration of beneficiaries.
- Choose the transfer type: NEFT, RTGS or IMPS. IMPS is instant and available 24×7. NEFT and RTGS availability depends on your bank’s service hours, though many banks now offer extended or round-the-clock NEFT/RTGS.
- Select “Add Beneficiary” (or similar). Enter beneficiary name, account number and the IFSC code PUNB0MBGB06. For NEFT/RTGS include branch name if asked.
- Verify details. Small errors in account number or IFSC can cause failed transfers or routing to a wrong account. Double-check digits and letters. IFSC is not case-sensitive but enter exactly as provided.
- Confirm beneficiary addition. Some banks impose a cooling period (minutes to a few hours) before you can transfer to a newly added beneficiary.
- Initiate the transfer. For RTGS choose it only for high-value immediate settlement if your bank requires it. For IMPS use instant transfers up to your bank’s per-transaction limit.
- Save transaction reference number. Use it to track or raise disputes if funds do not reflect.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without manual intervention.
- Reduces failed transfers and reversal delays.
- Required for adding beneficiaries in netbanking and mobile apps.
- Needed by businesses for vendor payments and by individuals for salary, pensions and remittances.
- Simplifies reconciliation for account statements and bookkeeping.
Contact
Branch phone no: 8102609027
Branch Address: Bhadas, Khagaria, 851204
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: What is the correct IFSC for Bihar Gramin Bank Bhadas branch?
A: The correct IFSC for the Bhadas branch is PUNB0MBGB06. Use this for NEFT, RTGS and IMPS transfers.
Q: Can I use an old UBGB or DBGB IFSC for transfers?
A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Only PUNB0MBGB06 is valid now. Using an old code can lead to failed transfers or delays.
Q: What details do I need to add a beneficiary for this branch?
A: You need the beneficiary name, account number, IFSC (PUNB0MBGB06) and branch name (Bhadas). Some banks may also ask for account type (savings/current).
Q: How long does a transfer to this IFSC take?
A: IMPS is typically immediate (seconds to minutes). NEFT and RTGS processing times depend on your bank’s timing and the service used. Keep the transaction reference handy to track status.
Q: What should I do if a transfer fails or money is debited but not credited?
A: Note the transaction reference and timestamp. Contact your sending bank first with details. You can also call the branch at 8102609027 or the head office toll-free at 18001807777 to raise an inquiry.
Q: Is IFSC case-sensitive?
A: No. IFSC is not case-sensitive in practice. However, enter it exactly as shown to avoid typographical errors.
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.