The Bihar Gramin Bank branch in Jogbani provides essential banking services to the residents of Araria district in Bihar. For anyone looking to send or receive money electronically, understanding the branch’s Indian Financial System Code (IFSC) is critical. This unique 11-character code acts like a digital address, ensuring that online transactions such as NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and IMPS (Immediate Payment Service) are routed to the correct bank branch without any errors.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Jogbani |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | MBGB06 |
| Branch Address | Jogbani, ARARIA, 854328, 9297954370 |
| Contact Number | 9297954370 |
| City | ARARIA |
| District | ARARIA |
| Pincode | 854328 |
| State | Bihar |
Merger and IFSC Update
Bihar Gramin Bank was formed through the merger of two former regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this amalgamation, all branches now operate under a single entity sponsored by Punjab National Bank (PNB). As a result, the old IFSC codes associated with UBGB and DBGB are no longer valid. For all transactions to the Jogbani branch, you must use the new, official IFSC code: PUNB0MBGB06. Using an outdated code will lead to transaction failure.
What is an IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch participating in the electronic funds transfer system. It helps identify the specific branch involved in an online transaction, ensuring the money reaches the correct destination.
The structure of the IFSC code PUNB0MBGB06 can be broken down as follows:
- PUNB: The first four letters represent the bank’s name. In this case, it is ‘PUNB’ for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
- 0: The fifth character is always a zero. It is reserved for future use by the RBI.
- MBGB06: The last six characters uniquely identify the specific branch. For this branch, it is ‘MBGB06’, which points directly to the Jogbani location.
How to Use the IFSC Code for Fund Transfers
Using the IFSC code for an online fund transfer is a straightforward process. Whether you are using a mobile banking app or internet banking portal, the steps are generally the same.
- Log into your net banking account or mobile banking application.
- Navigate to the ‘Fund Transfer’ or ‘Payments’ section. Common options include NEFT, RTGS, or IMPS.
- Select ‘Add Beneficiary’ or ‘Add Payee’. You will need to add the recipient’s details before you can send them money.
- Enter the beneficiary’s name, bank account number, and the correct IFSC code: PUNB0MBGB06.
- Double-check all the details to ensure accuracy and confirm the beneficiary addition, which may require an OTP.
- Once the beneficiary is added, you can initiate the transfer by entering the amount and completing the transaction.
Benefits of Using the Correct IFSC Code
- Transaction Accuracy: It ensures your money is credited to the exact branch and account, eliminating the risk of it going to the wrong place.
- Faster Processing: The code automates the transfer process, allowing for quicker settlement of funds through systems like IMPS and RTGS.
- Error Prevention: The banking system validates the IFSC code before processing a transaction. An incorrect code will immediately flag an error, preventing a failed transfer.
- Secure Transfers: It is a key component in the security framework of India’s digital payment ecosystem, making electronic payments reliable.
Contact Information
For direct assistance or inquiries, you can reach out to the branch or the bank’s head office.
- Branch Contact Number: 9297954370
- Branch Address: Jogbani, ARARIA, Bihar – 854328
- Head Office Address: Bihar Gramin Bank, SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 1800-180-7777
Frequently Asked Questions
- Why does the Bihar Gramin Bank IFSC code start with ‘PUNB’?
- Bihar Gramin Bank is a regional rural bank sponsored by Punjab National Bank (PNB). Therefore, its IFSC codes are structured under PNB’s identifier (‘PUNB’) to integrate with the national payment system.
- What will happen if I use an old IFSC code from Uttar or Dakshin Bihar Gramin Bank?
- Your transaction will be rejected. The old codes were decommissioned after the merger. You must use the new code, PUNB0MBGB06, for all transfers to the Jogbani branch.
- Is the IFSC code the same as the MICR code?
- No. The IFSC code is used for online fund transfers like NEFT and RTGS. The MICR (Magnetic Ink Character Recognition) code is a 9-digit code found on cheques and is used for faster cheque processing.
- Do I need a different IFSC code for NEFT, RTGS, and IMPS?
- No, the same IFSC code (PUNB0MBGB06) is used for all types of electronic fund transfers to the Jogbani branch.
- Where else can I find my bank’s IFSC code?
- The IFSC code for your branch is printed on your bank-issued chequebook and the front page of your passbook. You can also find it on the bank’s official website.
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.