The Bihar Gramin Bank, Bhelahi branch is located in Bhelahi village, East Champaran district, Bihar (PIN 845305). This IFSC code page gives the exact code you need to send or receive electronic payments. The IFSC code is essential for NEFT, RTGS and IMPS transfers because it tells the payment system which bank and branch should receive the funds. Entering the correct IFSC and account details speeds processing and reduces the chance of failed or delayed transfers.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bhelahi |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100210 |
| Branch Address | Bhelahi, EAST CHAMPARAN, 845305, 9297954613 |
| Contact Number | 9297954613 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845305 |
| State | Bihar |
Merger Update
Important: This branch is part of Bihar Gramin Bank. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged and now operate under a single IFSC code issued through Punjab National Bank. The valid IFSC for this branch is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. Use only the new IFSC for NEFT, RTGS and IMPS transactions to avoid delays or failed transfers.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic payments.
- First 4 characters — bank identifier (for example, PUNB for Punjab National Bank).
- 5th character — reserved and is always 0 (zero).
- Last 6 characters — branch identifier (here MBGB06 or branch code 100210 corresponding to Bhelahi).
How to Use IFSC Code
Follow these steps when sending money using NEFT, RTGS or IMPS:
- Open your bank’s netbanking or mobile banking app, or visit a branch for a manual form.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT and RTGS are also widely available through online channels.)
- Enter the beneficiary name exactly as on their bank account.
- Enter the beneficiary account number. Double-check each digit.
- Enter the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank, Bhelahi branch.
- Provide the beneficiary mobile number or email if the platform asks (optional on many banks).
- Enter the amount and any transaction remarks required.
- Verify all details on the confirmation screen. Confirm the transfer with OTP or your bank’s authentication method.
- Save the UTR/reference number after completion. This helps track or dispute the payment if needed.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds reach the exact branch and account you intend.
- Faster processing: Correct IFSC shortens time to credit and reduces manual intervention.
- Required for online transfers: NEFT, RTGS and IMPS need the IFSC to process transactions.
- Helps in reconciliation: Businesses use IFSC plus branch code to match incoming payments to branches.
- Reduces fraud risk: Verifying IFSC and account details lowers the chance of misdirected funds.
Contact
Branch phone no: 9297954613
Branch Address: Bhelahi, EAST CHAMPARAN, 845305
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for this branch?
A: Yes. After the merger of UBGB and DBGB into Bihar Gramin Bank under Punjab National Bank sponsorship, the valid IFSC for Bhelahi is PUNB0MBGB06. Old UBGB/DBGB IFSCs are revoked.
Q: Where can I find the IFSC on a cheque or passbook?
A: On a cheque leaf the IFSC is printed at the top or near the MICR line. It also appears on the first page of many passbooks and on official bank branch display boards and statements.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC and account number both point to the same branch, the transfer will succeed. If the IFSC does not match the account number, the transaction may fail and the money will be returned or held for reversal. Reversal time varies by bank; keep the transaction reference and contact your bank if funds do not return promptly.
Q: Is IFSC the same as MICR?
A: No. IFSC is used for electronic transfers and identifies bank and branch. MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque processing. For Bhelahi, the MICR is 800811002.
Q: How do I add this beneficiary to my bank app?
A: In your bank app, go to “Add Payee” or “Manage Beneficiaries.” Enter beneficiary name, account number and IFSC PUNB0MBGB06, then save. Most banks require a verification step—OTP or a cooling period—before you can transfer to the new beneficiary.
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.