Jhunathi branch of Bihar Gramin Bank is located in Jhunathi village, Arwal district, Bihar (PIN 804426). If you need to send or receive funds electronically, the branch’s IFSC code is required for NEFT, RTGS and IMPS transfers. The IFSC uniquely identifies the bank and branch in the electronic payment system so the funds route correctly and settle without manual intervention.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | JHUNATHI |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6939 |
| Branch Address | JHUNATHI, Arwal, 804426, 7091596939 |
| Contact Number | 7091596939 |
| City | Arwal |
| District | Arwal |
| Reason | AURANGABAD |
| Pincode | 804426 |
| State | Bihar |
Merger Update
Important: The IFSC PUNB0MBGB06 is the single, active code now used under Punjab National Bank for the merged regional entities. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been consolidated, and old UBGB/DBGB IFSC codes have been revoked. For all electronic transfers (NEFT, RTGS, IMPS) to accounts formerly under UBGB or DBGB, use only PUNB0MBGB06. Transactions attempted using old IFSCs may fail or be delayed.
What is IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code that identifies the bank and specific branch in electronic fund transfers. Its structure is:
- First 4 characters: Bank code. Example: PUNB = Punjab National Bank.
- 5th character: Always the digit 0 (reserved for future use).
- Last 6 characters: Branch identifier. Example: MBGB06 in PUNB0MBGB06 identifies the specific branch unit.
The IFSC makes automated routing possible across national payment systems like NEFT, RTGS and IMPS.
How to Use IFSC Code
Follow these steps when making or receiving NEFT, RTGS or IMPS transfers:
- Confirm beneficiary details: account name, account number, bank name and the IFSC. Use the exact IFSC shown by the bank (here: PUNB0MBGB06).
- In your bank’s online portal or mobile app, choose the transfer type (NEFT, RTGS or IMPS) and add a beneficiary. Enter the IFSC in the designated field.
- Double-check the IFSC characters. A single wrong character can route funds to another branch or cause failure.
- For NEFT: submit the transfer. NEFT runs continuously now, but settlement timing depends on the sending and receiving banks. Expect credit within minutes to a few hours.
- For RTGS: use for large-value transfers. RTGS settles in real time; check your bank’s limits (historically banks set a minimum like Rs. 2,00,000, but confirm current limits with your bank).
- For IMPS: choose IMPS for instant 24×7 transfers for retail amounts as allowed by your bank.
- Keep the transaction reference or UTR number until the beneficiary confirms receipt.
Benefits of Knowing the IFSC
- Ensures accurate routing of funds to the correct branch and account.
- Speeds up transfers: electronic systems use IFSC to automate clearing.
- Reduces the risk of failed or misdirected transactions.
- Required when adding a beneficiary in internet or mobile banking.
- Makes it easier for payers, employers and government transfers to credit accounts correctly.
Contact
Branch Phone: 7091596939
Branch Address: JHUNATHI, Arwal, 804426
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use the old UBGB or DBGB IFSC to send money?
A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use the single new code PUNB0MBGB06 for all transactions to accounts that were under those banks.
Q: What happens if I enter the wrong IFSC?
A: If the wrong IFSC points to a different valid branch and the account number exists there, funds may go to the wrong branch—this triggers a recovery process that can be slow. If the IFSC doesn’t match a valid branch, the transfer usually fails and the money is returned. Always verify IFSC and account number before confirming a transfer.
Q: Where can I find the IFSC for this branch?
A: You can find it on the branch cheque leaf, account passbook, bank-stamped documents, or by contacting the branch at 7091596939. After the UBGB/DBGB merger, official communications will list the active IFSC as PUNB0MBGB06.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is instant (real-time). RTGS settles in real time but check bank-specific value and timing rules. NEFT typically completes within minutes to a few hours; NEFT now operates 24×7 with regular settlements, but actual timing depends on sending and receiving bank processing.
Q: What is the MICR code used for?
A: MICR (here 800811002) speeds up cheque clearing through the magnetic ink character recognition system. MICR is not used for NEFT/RTGS/IMPS, but it matters when you deposit or clear cheques.
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.