Bihar Gramin Bank, Bhawanipur branch is located in Bhawanipur village in the Madhubani district of Bihar (PIN 847234). For any electronic fund transfer to or from this branch you will need the branch IFSC code. The IFSC code is required to route NEFT, RTGS and IMPS payments correctly and avoid failed or misdirected transfers.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bhawanipur |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100322 |
| Branch Address | Bhawanipur, MADHUBANI, 847234, 9297954839 |
| Contact Number | 9297954839 |
| City | MADHUBANI |
| District | MADHUBANI |
| Reason | MADHUBANI |
| Pincode | 847234 |
| State | Bihar |
Merger Update
If this branch previously operated under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note the following:
- UBGB and DBGB have been integrated under Punjab National Bank’s systems.
- The single, active IFSC for the merged entity is PUNB0MBGB06.
- Old IFSC codes issued to UBGB/DBGB branches are revoked. They should not be used for new transactions.
- Always confirm the current IFSC before initiating transfers to avoid failed or delayed payments.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches for electronic payments.
Structure:
- First 4 characters — bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character — reserved and is 0 (zero) for all current IFSC codes.
- Last 6 characters — branch identifier (letters or digits). Example: in PUNB0MBGB06, the last six are MBGB06.
How to Use IFSC Code
Use the IFSC when making electronic transfers via NEFT, RTGS or IMPS. Steps:
- Open your bank’s payment or fund-transfer screen (mobile app or net banking).
- Choose transfer type: NEFT, RTGS or IMPS. (Use RTGS for large-value immediate transfers; IMPS for instant retail transfers any time.)
- Enter beneficiary name and account number exactly as given by the recipient.
- Enter the IFSC: PUNB0MBGB06 for Bihar Gramin Bank, Bhawanipur.
- Verify the branch name that appears (if your bank shows it) before confirming.
- Enter amount and any remarks. Confirm OTP or transaction PIN when prompted.
- Keep the transaction reference for tracking and reconciliation.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without manual intervention.
- Reduces delays and errors in NEFT, RTGS and IMPS transfers.
- Makes online bill payments and salary transfers faster and auditable.
- Required for receiving inward remittances from other banks and platforms.
- Helps reconcile payments using the IFSC + account number combination in records.
Contact
Branch Phone No: 9297954839
Branch Address: Bhawanipur, MADHUBANI, 847234
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: Is PUNB0MBGB06 the correct IFSC for Bihar Gramin Bank, Bhawanipur?
A: Yes. The active IFSC provided for this branch is PUNB0MBGB06. Use this code 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. Use the new consolidated IFSC PUNB0MBGB06. Using revoked codes will cause transfer failures.
Q: What information should I verify before sending money?
A: Verify beneficiary name, exact account number, and IFSC. When possible, confirm the branch name that your bank displays after entering IFSC. Small mismatches in the account number will prevent delivery even if IFSC is correct.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is instant (seconds). RTGS is near-instant for large-value same-day transfers during banking hours. NEFT processes in scheduled batches; many banks now offer near-real-time NEFT outside traditional windows. Confirm with your bank for exact cut-off times.
Q: What is the role of MICR code 800811002?
A: MICR (Magnetic Ink Character Recognition) code is used for cheque processing. The MICR 800811002 identifies the Bhawanipur branch clearing circle and helps speed cheque settlement. It is not required for electronic fund transfers; IFSC is used for NEFT/RTGS/IMPS.
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.