Bihar Gramin Bank JAMIRA IFSC Code

The JAMIRA branch of Bihar Gramin Bank is located in the Bhojpur district of Bihar. For anyone looking to send or receive money through this branch, understanding its Indian Financial System Code (IFSC) is essential. The IFSC code acts as a unique address for each bank branch in the country, ensuring that online fund transfers through systems like NEFT, RTGS, and IMPS are routed correctly and securely to the intended account.

Branch Details

Merger and IFSC Code Update

Previously, banking services in the region were provided by two separate entities: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks have since merged to form the consolidated Bihar Gramin Bank. This new entity is sponsored by Punjab National Bank (PNB). As a result of this merger, all old IFSC codes belonging to the former UBGB and DBGB branches are now invalid. For any online transaction to the JAMIRA branch, you must use the new, unified IFSC code: PUNB0MBGB06. Using an old code will result in a failed transaction.

What is an IFSC Code?

The IFSC code is an 11-character alphanumeric code that uniquely identifies a bank branch participating in electronic fund transfer systems. Its structure is designed for precision and error-free routing.

Let’s break down the IFSC code PUNB0MBGB06:

• PUNB: The first four letters represent the bank’s name. In this case, ‘PUNB’ stands 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 Reserve Bank of India (RBI).
• MBGB06: The last six characters are the branch identifier. This part of the code, ‘MBGB06’, specifically points to the JAMIRA branch of Bihar Gramin Bank.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for an online money transfer is a straightforward process. Whether you are using a bank’s mobile app or internet banking portal, the steps are generally the same.

1. Log into your net banking account or mobile banking application.
2. Navigate to the ‘Fund Transfer’ or ‘Payments’ section. Common options include NEFT, RTGS, or IMPS.
3. Select ‘Add Beneficiary’ or ‘Add Payee’ to register the recipient’s account details.
4. Enter the beneficiary’s name, account number, and the bank name.
5. In the IFSC field, carefully enter PUNB0MBGB06. Most banking systems will auto-verify the code and display the branch name (JAMIRA) and address for confirmation.
6. Once the beneficiary is added, you can initiate the transfer by entering the amount and confirming the transaction.

Benefits of Using the Correct IFSC Code

• Transaction Accuracy: It ensures that your money is sent to the exact branch and account, eliminating guesswork and reducing the risk of errors.
• Prevents Delays: A correct IFSC code allows for automated, straight-through processing, which means your transfer is completed quickly without manual intervention.
• Reduces Failed Transactions: Using an outdated or incorrect code is a primary reason for transaction failures. Double-checking the IFSC prevents the inconvenience of bounced payments.
• Enhanced Security: The code acts as a layer of verification, confirming that the account number you entered corresponds with the intended bank branch.

Contact Information

For any specific queries, you can reach out to the branch or the bank’s head office.

• JAMIRA Branch Contact: 7070196999
• JAMIRA Branch Address: JAMIRA, Bhojpur, Bihar – 802161
• Bihar Gramin Bank Head Office: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions

Can I still use my old Dakshin Bihar Gramin Bank IFSC code for the JAMIRA branch?

No. After the merger, all old IFSC codes for both Dakshin and Uttar Bihar Gramin Banks are discontinued. You must use the new code, PUNB0MBGB06, for all transactions to avoid failure.

What happens if I accidentally enter the wrong IFSC code?

If the entered IFSC code does not exist, the transaction will be rejected immediately. If it corresponds to another branch, the funds might be misdirected, leading to delays while the bank works to reverse the transaction. The money is generally returned to your account within a few working days.

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, which is a 9-digit code, is used primarily for processing cheques.

Do I need the IFSC code for a UPI transaction?

Typically, you do not need to manually enter an IFSC code for UPI payments, as they use a Virtual Payment Address (VPA). However, your bank account, which is linked to your UPI ID, is identified by the system using its IFSC code in the background.

Is PUNB0MBGB06 the IFSC code for all branches of Bihar Gramin Bank?

No. This code is unique to the JAMIRA branch. While all Bihar Gramin Bank IFSC codes will start with ‘PUNB’, the last six characters will be different for each specific branch.

Kriti Kumari

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.