Bihar Gramin Bank Bhawantikthi IFSC Code

Bihar Gramin Bank, Bhawantikthi branch is located in Bhawantikthi village, Madhepura district, Bihar (Pincode 854338). This branch serves local residents and businesses for deposits, withdrawals and electronic fund transfers. For NEFT, RTGS and IMPS transfers you must provide the correct IFSC code so funds route to the right bank and branch. An incorrect or old IFSC can delay or block a transaction, so verify the code before sending money.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Bhawantikthi
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	108099
Branch Address	Bhawantikthi, MADHEPURA, 854338, 9297954305
Contact Number	9297954305
City	MADHEPURA
District	MADHEPURA
Reason	SAHARSA
Pincode	854338
State	Bihar

Merger Update

Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank’s umbrella. After the merger, branches previously operating under UBGB/DBGB now use a single, consolidated IFSC: PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked. For all NEFT/RTGS/IMPS transactions to Bhawantikthi branch use only the new IFSC code PUNB0MBGB06. Transactions using old IFSCs may be rejected or returned to sender.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to identify bank branches in electronic payment systems.

Structure:

• First 4 characters: Bank code (alphabetic). Example: PUNB = Punjab National Bank.
• 5th character: Always 0 (reserved for future use).
• Last 6 characters: Branch identifier (alphanumeric). Example: MBGB06 identifies the specific branch.

How to Use IFSC Code

Follow these steps when initiating a fund transfer (mobile banking, netbanking, or at a branch):

• Choose the transfer type: NEFT, RTGS or IMPS. (RTGS is usually for high-value transfers; NEFT for regular transfers; IMPS for instant 24×7 small-value transfers.)
• Add a beneficiary. Enter beneficiary name and account number exactly as on their bank account.
• Enter the IFSC code: PUNB0MBGB06. Double-check for typos—one wrong character routes to a different branch or fails.
• Enter account type (Savings/Current), amount and a remark if needed.
• Confirm details and authenticate using OTP/transaction password as required by your bank.
• Save the beneficiary if you will transfer again. For first-time additions, banks may require a cooling period (a few minutes to 24 hours) before transfers are allowed.

Note: Banks may charge fees for NEFT/RTGS depending on amount and type. IMPS is typically instant and used for smaller amounts; RTGS is used for large-value clearing (commonly has a minimum limit like Rs.2,00,000, check your bank for exact rules).

Benefits of Knowing the IFSC

• Ensures funds reach the correct branch quickly and without manual intervention.
• Prevents failed transfers and delays caused by incorrect routing.
• Required for all electronic transfers: NEFT, RTGS and IMPS.
• Helps when filling bank forms, e-commerce refunds, salary credits and vendor payments.
• Aids reconciliation: matching IFSC + branch code + MICR simplifies bookkeeping and audit trails.

Contact

Branch Phone: 9297954305
Branch Address: Bhawantikthi, MADHEPURA, 854338
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777

FAQs

• Q: Can I use an old UBGB or DBGB IFSC for transfers to this branch?

  A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use PUNB0MBGB06 for all transfers to Bhawantikthi branch.

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

  A: If the wrong IFSC points to a valid but different branch account number, funds may be credited to that account. If the IFSC/account combination is invalid, the transfer will fail and the amount will be returned to the sender. Always verify both IFSC and account number before confirming.

• Q: Which transfer method should I choose—NEFT, RTGS or IMPS?

  A: Use RTGS for large-value payments (banks commonly set a minimum like Rs.2,00,000). NEFT is suitable for regular transfers of any size and is widely used. IMPS is for instant transfers and useful for urgent small value payments; per-transaction limits vary by bank. Check your bank’s limits and charges.

• Q: How do I confirm the branch MICR and branch code?

  A: The MICR code for Bhawantikthi is 800811002 and the branch code is 108099. MICR is mainly used for cheque clearance. Use these numbers for reconciliation and cheque processing; IFSC is required for electronic transfers.

• Q: Can I change beneficiary IFSC later if needed?

  A: Yes. Edit or delete the beneficiary and add a new one with the correct IFSC. Note some banks impose a cooling period for security after adding or modifying beneficiaries, so immediate transfers may not be allowed until that period expires.