If you’re looking to send or receive funds to the Bihar Gramin Bank, Bhithi branch, understanding its Indian Financial System Code (IFSC) is essential. The Bhithi branch is located in the SARAN district of Bihar, with a Pincode of 841214. The IFSC code acts like a unique digital address for bank branches across India. It is crucial for electronic fund transfers like National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). Without the correct IFSC, your money transfer won’t go through to the right place.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Bhithi |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100599 |
| Branch Address | Bhithi, SARAN, 841214, 9297955203 |
| Contact Number | 9297955203 |
| City | SARAN |
| District | SARAN |
| Reason | CHAPRA |
| Pincode | 841214 |
| State | Bihar |
Merger Update
The bank operating the Bhithi branch, Bihar Gramin Bank, is a result of the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this merger, all operations are now unified under the name Bihar Gramin Bank. It is important to note that Bihar Gramin Bank now functions as a Regional Rural Bank sponsored by Punjab National Bank (PNB).
Due to this merger, the common IFSC code for all branches of Bihar Gramin Bank, including Bhithi, is PUNB0MBGB06. Any old IFSC codes previously associated with Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) branches are no longer valid for transactions. Always use PUNB0MBGB06 for any electronic fund transfers to Bihar Gramin Bank.
What is an IFSC Code?
An IFSC code is an 11-character alphanumeric code. It uniquely identifies every bank branch participating in online money transfers within India. Think of it as a postal code for electronic transactions.
The structure of the IFSC code is specific:
- The first four characters represent the bank’s name. For PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsoring bank.
- The fifth character is always a zero (0). This character is reserved for future use and acts as a control digit.
- The last six characters identify the specific branch. In this case, “MBGB06” uniquely points to the Bhithi branch of Bihar Gramin Bank.
How to Use IFSC Code
Using the IFSC code is straightforward when you’re making an online money transfer. Here’s a general guide for NEFT, RTGS, and IMPS:
- Log in to your online banking or mobile banking app: Access your bank account using your credentials.
- Select the type of transfer: Choose between NEFT, RTGS, or IMPS, depending on the amount and urgency of your transfer.
- Add a new beneficiary: If you haven’t sent money to this account before, you will need to add the recipient as a beneficiary.
- Enter beneficiary details:
- Recipient’s Account Number
- Recipient’s Name
- Recipient’s Bank Name (Bihar Gramin Bank)
- Recipient’s Branch Name (Bhithi)
- The correct IFSC Code (PUNB0MBGB06)
- Confirm and transfer: Double-check all the details, especially the account number and IFSC code, to avoid any errors. Enter the amount you wish to send and confirm the transaction.
The IFSC ensures your money reaches the correct branch and account quickly and securely.
Benefits of Knowing Your IFSC
Knowing the correct IFSC code for your bank or the recipient’s bank offers several key benefits:
- Secure Transfers: It guarantees that your money is directed to the exact intended bank branch, reducing the risk of misdirected funds.
- Faster Transactions: Essential for quick electronic fund transfers like NEFT, RTGS, and IMPS, which allow for near real-time money movement.
- Convenience: Enables you to send and receive money from anywhere, anytime, without needing to visit a physical bank branch.
- Online Banking Access: A fundamental requirement for setting up online banking facilities and initiating transactions.
- Prevents Errors: The unique code minimizes human errors that could occur with manual address entries, ensuring accuracy.
Contact Information
For inquiries related to the Bhithi branch of Bihar Gramin Bank, you can use the following details:
- Branch Phone Number: 9297955203
- Branch Address: Bhithi, SARAN, 841214, Bihar
For general inquiries or to contact the head office of Bihar Gramin Bank:
- Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 18001807777
Frequently Asked Questions (FAQs)
What is the IFSC code for Bihar Gramin Bank, Bhithi branch?
The IFSC code for Bihar Gramin Bank, Bhithi branch, is PUNB0MBGB06.
Can I use an old UBGB or DBGB IFSC code for transactions?
No, old IFSC codes from Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) are no longer valid. You must use the new unified IFSC code, PUNB0MBGB06, for all Bihar Gramin Bank transactions.
Is the IFSC code different for NEFT, RTGS, and IMPS?
No, the IFSC code remains the same (PUNB0MBGB06) regardless of whether you are making an NEFT, RTGS, or IMPS transfer. The IFSC code identifies the specific branch for any electronic fund transfer.
What should I do if my transaction fails due to an incorrect IFSC code?
If your transaction fails, it’s most likely due to an incorrect IFSC code or account number. Double-check the IFSC code (ensure it’s PUNB0MBGB06 for this branch) and the beneficiary’s account number. You will then need to initiate the transfer again with the correct details.
Where can I find the MICR code for Bhithi branch?
The MICR code for Bihar Gramin Bank, Bhithi branch, is 800811002. This code is typically found on the bottom of a cheque leaf and is used for clearing paper-based transactions.
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.