Bihar Gramin Bank Bhikhanpur IFSC Code

Bihar Gramin Bank, Bhikhanpur branch is located in Bhikhanpur, in the city and district of Bhagalpur, Bihar (PIN 812002). If you need to send or receive money to this branch, the IFSC code is essential. The IFSC (Indian Financial System Code) routes electronic transfers like NEFT, RTGS and IMPS to the correct bank and branch. Using the correct IFSC ensures your funds reach the intended account quickly and reduces the risk of delays or returns.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Bhikhanpur
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3613
Branch Address	Bhikhanpur, Bhagalpur, 812002, 8102918746
Contact Number	8102918746
City	Bhagalpur
District	Bhagalpur
Reason	BHAGALPUR
Pincode	812002
State	Bihar

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated under Punjab National Bank for operational efficiency. Both banks now use the single IFSC PUNB0MBGB06 (the code shown above) under Punjab National Bank’s sponsorship. Old UBGB and DBGB IFSC codes have been revoked. For any NEFT, RTGS or IMPS transfer to branches that were earlier under UBGB/DBGB, use only PUNB0MBGB06. Transactions attempted with revoked IFSCs will fail or be returned.

What is an IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character code used to identify bank branches in electronic payment systems.

• First 4 characters = alphabetic bank code. Example: PUNB stands for Punjab National Bank.
• 5th character = reserved and is always 0.
• Last 6 characters = branch identifier (alphanumeric). Example: in PUNB0MBGB06, MBGB06 identifies the Bhikhanpur branch within the sponsor structure.

The IFSC tells the payment network which bank and branch should receive the funds. It is different from the MICR code, which is used mainly for cheque clearing.

How to Use the IFSC Code for NEFT, RTGS, IMPS

• Open your bank’s netbanking, mobile banking app, or visit a branch for a manual transfer.
• Choose the transfer type: IMPS (instant, 24×7, small to medium amounts), NEFT (electronic transfer with settlement), or RTGS (real-time gross settlement for large-value transfers — typically used for amounts ₹2 lakh and above, subject to bank policy).
• Select “Add Beneficiary” or “New Payee.” Enter beneficiary name exactly as in the bank account.
• Enter beneficiary account number and the IFSC: PUNB0MBGB06. Also choose the bank name and branch if requested.
• Save beneficiary. The bank may take a short activation time (minutes to a few hours) depending on RBI rules and bank controls.
• Initiate the transfer, enter the amount, and confirm with OTP or transaction password.
• Double-check the IFSC and account number before confirming. Mistyped IFSC can route funds to the wrong branch or cause a failed transaction.

Benefits of Knowing the IFSC

• Ensures accurate routing of electronic transfers (NEFT, RTGS, IMPS).
• Speeds up settlement and reduces failed or returned transactions.
• Required when adding beneficiaries in online banking or mobile apps.
• Helps reconcile payments for businesses and accountants.
• Useful for filling bank forms, salary credit details, and vendor payments.

Contact

Branch Phone: 8102918746

Branch Address: Bhikhanpur, Bhagalpur, 812002

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll Free Number: 18001807777

FAQs

Q: Is PUNB0MBGB06 the only IFSC I should use for Bhikhanpur?
A: Yes. Use PUNB0MBGB06 for electronic transfers to the Bhikhanpur branch. Old IFSCs from UBGB or DBGB are revoked; they will not work.

Q: What happens if I enter the wrong IFSC?
A: If the IFSC points to a valid branch but the account number is wrong, the payment may land in another account or be returned after verification. If the IFSC is invalid or revoked, the transaction will usually fail and funds will be returned to your account after processing.

Q: Can I use IFSC for UPI payments?
A: No. UPI uses a virtual payment address (VPA) and does not require an IFSC. IFSC is required when you transfer directly to a bank account using NEFT, RTGS, or IMPS.

Q: Where can I verify this IFSC?
A: Verify the IFSC on the bank passbook, cheque leaf (some banks print sponsor IFSC), or by calling the branch phone number provided above. Your bank’s netbanking beneficiary-add screen also validates IFSCs during entry.

Q: What is the difference between IFSC and MICR?
A: IFSC is used for electronic transfers. MICR (Magnetic Ink Character Recognition) is a 9‑digit code used mainly for cheque clearing. Both identify branches, but they serve different systems.