Bihar Gramin Bank Bhalpatti IFSC Code

Bihar Gramin Bank Bhalpatti IFSC Code

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Bhalpatti is a village in Darbhanga district, Bihar (PIN 847115). This branch serves local residents and businesses for deposits, withdrawals, and remittances. For bank-to-bank electronic fund transfers (NEFT, RTGS, IMPS), the IFSC code identifies the exact bank and branch. Using the correct IFSC ensures funds route to the intended account and avoids delays or reversals.

Branch Details

Bank Name Bihar Gramin Bank
Branch Name Bhalpatti
IFSC Code PUNB0MBGB06
MICR Code 800811002
Branch Code 100472
Branch Address Bhalpatti, DARBHANGA, 847115, 9297955079
Contact Number 9297955079
City DARBHANGA
District DARBHANGA
Reason DARBHANGA
Pincode 847115
State Bihar

Merger Update

Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank’s umbrella. The merged rural-bank branches now use the single IFSC code PUNB0MBGB06 for electronic transactions. Old UBGB/DBGB IFSC codes have been revoked. Always use PUNB0MBGB06 when sending funds to this branch to avoid failures or reversals.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alpha‑numeric code used to route electronic payments between banks. The structure is:

  • First 4 characters — bank identifier (example: PUNB = Punjab National Bank).
  • 5th character — reserved and is always 0.
  • Last 6 characters — branch identifier (alphanumeric). In PUNB0MBGB06, the last six are MBGB06, which point to the Bhalpatti branch.

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

  • Open your bank’s netbanking or mobile app and choose the transfer type: NEFT, RTGS, or IMPS.
  • Select or add a beneficiary. Enter the beneficiary name exactly as on the account.
  • Enter the beneficiary account number and the IFSC code PUNB0MBGB06. Confirm the branch name (Bhalpatti, Darbhanga).
  • Enter the amount and a purpose or remark if required.
  • Verify all details. Authorise the transfer with OTP/password or your bank’s authentication method.
  • Keep the transaction reference for tracking. If a transfer fails, contact your bank with that reference.

Notes on timing and limits:

  • IMPS is instant and available 24×7. It is best for small, immediate payments.
  • NEFT traditionally had batch timings but is now available 24×7 for most banks. There is no minimum amount for NEFT.
  • RTGS is for high-value payments. Typically used for larger sums (historically minimum ~Rs.2 lakh). Check with your bank for current limits and availability.

Benefits of Knowing the IFSC

  • Ensures correct routing of electronic transfers to the exact branch.
  • Reduces delays and failed transactions caused by incorrect branch identification.
  • Required for adding beneficiaries in netbanking and mobile apps.
  • Makes reconciliation easier for businesses receiving payments.
  • Helps bank staff and customers verify branch identity for cheque clearing and inward remittances.

Contact

  • Branch phone: 9297955079
  • Branch address: Bhalpatti, DARBHANGA, 847115
  • Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA‑800030, BIHAR
  • Toll free: 18001807777

FAQs

  • Q: Is PUNB0MBGB06 the correct IFSC to use for Bhalpatti branch?

    A: Yes. Use PUNB0MBGB06 for NEFT, RTGS, and IMPS transfers to the Bhalpatti branch. Older UBGB/DBGB IFSCs have been revoked after the merger.

  • Q: What is the difference between IFSC and MICR?

    A: IFSC (11 characters) is used for electronic transfers. MICR (usually 9 digits, here 800811002) is used by the clearing system for processing physical cheques. Both identify the bank and branch but serve different systems.

  • Q: What happens if I enter a wrong IFSC?

    A: If the IFSC does not match the account’s bank/branch, the transfer may fail or be routed to a different branch. Failed transfers are typically returned, but this can cause delays. Always verify account number, IFSC, and beneficiary name before confirming.

  • Q: Can I use this IFSC for UPI transfers?

    A: UPI uses Virtual Payment Addresses (VPAs) and does not require IFSC for person-to-person UPI payments. IFSC is needed for bank account-based fund transfers (NEFT/RTGS/IMPS) and for adding beneficiaries in netbanking.

  • Q: Has the branch code or IFSC changed because of the merger?

    A: After the merger, the branch now uses the consolidated IFSC PUNB0MBGB06. The branch code listed here is 100472. If you have saved an old UBGB/DBGB IFSC, update it to the new code before making transfers.

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