Bihar Gramin Bank Jorja IFSC Code — The Jorja branch is located in Jorja, Darbhanga district, Bihar (PIN 847101). This branch serves local retail and agricultural customers in and around Darbhanga. For electronic fund transfers such as NEFT, RTGS and IMPS you must use the branch IFSC code to route payments correctly. Using the correct IFSC ensures funds reach the intended account without delay or return.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Jorja |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100453 |
| Branch Address | Jorja, DARBHANGA, 847101, 9297955106 |
| Contact Number | 9297955106 |
| City | DARBHANGA |
| District | DARBHANGA |
| Reason | DARBHANGA |
| Pincode | 847101 |
| State | Bihar |
Merger Update
Important: The regional rural banks Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank (PNB) operations for the affected branches. After consolidation, these branches now use a single IFSC code under PNB: PUNB0MBGB06. Old UBGB or DBGB IFSC codes have been revoked. For all NEFT/RTGS/IMPS transactions to accounts formerly under UBGB/DBGB, you must use PUNB0MBGB06. Transactions using old IFSC codes will fail or be returned.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments.
- First 4 characters: identify the bank (letters). Example: PUNB = Punjab National Bank.
- 5th character: is always 0 (reserved for future use).
- Last 6 characters: identify the specific branch. Example: in PUNB0MBGB06, the last 6 characters are MBGB06, the branch identifier within PNB’s coding.
How to Use IFSC Code
Use the IFSC when setting up a beneficiary or initiating a transfer by NEFT, RTGS or IMPS. Simple steps:
- Collect beneficiary details: bank name, branch, account number, IFSC (here PUNB0MBGB06) and beneficiary name.
- Log in to internet banking or your mobile banking app. Or visit the branch and ask for a NEFT/RTGS form.
- Select transfer type: IMPS (instant), NEFT (bank clearing) or RTGS (high-value, immediate).
- Enter beneficiary account number, account holder name, IFSC code and amount. Check entries carefully.
- Verify the beneficiary details shown by the bank before confirming. Confirm using OTP or other bank authentication.
- For first-time transfers, send a small test amount if you are unsure. Keep transaction reference for tracking.
Benefits of Knowing the IFSC
- Ensures electronic payments reach the correct branch and account.
- Reduces failed transfers and delays caused by incorrect routing.
- Required for setting up salary credits, vendor payments and recurring transfers.
- Helps verify beneficiary details before transfer — reduces fraud risk.
- Useful for tax payments, government receipts, and bank mandates that require branch identification.
Contact
Branch phone no: 9297955106
Branch Address: Jorja, DARBHANGA, 847101
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use a branch MICR code instead of IFSC for NEFT/RTGS/IMPS?
A: No. MICR is used mainly for cheque processing. IFSC is mandatory for electronic fund transfers (NEFT, RTGS, IMPS).
Q: What happens if I enter a wrong IFSC?
A: If the IFSC points to a different branch but the account number exists at that branch, the transfer may route to the other branch and reach the account if the account number matches. If the IFSC does not match any branch or the account details don’t reconcile, the transaction will fail or be returned. Always verify IFSC and account number before confirming.
Q: Are IFSC codes case-sensitive?
A: No. IFSC is not case-sensitive. You can enter letters in upper or lower case, but enter them exactly without spaces for clarity.
Q: After the UBGB/DBGB merger, which IFSC should I use?
A: Use the new consolidated IFSC: PUNB0MBGB06. Old UBGB/DBGB IFSCs have been revoked and are no longer valid for transactions.
Q: How can I verify that PUNB0MBGB06 is correct for the Jorja branch?
A: Verify with the branch directly at 9297955106 or check the bank-provided account statement. For any doubt, call the toll-free number 18001807777 or visit the branch before initiating a large transfer.
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.