The Bihar Gramin Bank branch at Jhagarua is located in Darbhanga district of Bihar (Pincode 847427). This branch serves local customers for deposits, withdrawals and transfers. For electronic fund transfers you must use the correct IFSC code. The IFSC identifies the bank and the exact branch for NEFT, RTGS and IMPS. Using the wrong code can delay or misroute payments.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Jhagarua |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 108049 |
| Branch Address | Jhagarua, DARBHANGA, 847427, 9297955070 |
| Contact Number | 9297955070 |
| City | DARBHANGA |
| District | DARBHANGA |
| Reason | DARBHANGA |
| Pincode | 847427 |
| State | Bihar |
Merger Update
Important: The rural banks in this region previously operated under names such as Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both sponsor RRBs have been reorganized and their former IFSC codes were revoked. All transactions now use the single IFSC code PUNB0MBGB06 under Punjab National Bank’s routing. If you have an old UBGB or DBGB IFSC code, stop using it. Only the new IFSC code PUNB0MBGB06 is valid for transfers to this branch.
What is an IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code. It tells payment systems which bank and which branch will receive money.
- First 4 characters = bank identifier (for example, PUNB = Punjab National Bank).
- 5th character = reserved and is always 0.
- Last 6 characters = branch identifier (unique to the branch).
Example for this branch: PUNB0MBGB06 — “PUNB” identifies Punjab National Bank, “0” is reserved, and “MBGB06” is the branch part.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Open your bank’s netbanking, mobile app or visit a branch counter.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant 24×7, NEFT and RTGS depend on bank processing; check your bank for exact timing and limits.)
- Enter beneficiary name exactly as on their account, the account number, and the IFSC: PUNB0MBGB06.
- Confirm beneficiary details. Many banks show the branch name after IFSC entry — verify it shows “Jhagarua” or “DARBHANGA”.
- Enter amount and any purpose/remarks required. Authorize the payment with OTP or device approval.
- Save the beneficiary if you will pay them again. For large or one-time transfers, double-check IFSC and account number before sending.
Benefits of Knowing the IFSC
- Ensures funds reach the exact branch and account without delay.
- Required for all electronic transfers (NEFT, RTGS, IMPS).
- Makes beneficiary validation automatic in most banking apps.
- Helps resolve transaction queries faster with correct routing information.
- Prevents failed or misdirected transfers that can take days to correct.
Contact
Branch phone no: 9297955070
Branch Address: Jhagarua, DARBHANGA, 847427
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only IFSC I should use for Jhagarua?
A: Yes. PUNB0MBGB06 is the valid IFSC for transactions to the Jhagarua branch. Old UBGB/DBGB IFSCs have been revoked and should not be used.
Q: What happens if I enter a wrong IFSC but correct account number?
A: If the IFSC points to a different branch but the account number does not exist there, the transfer will usually fail and funds return to the remitter. If the account number exists in the IFSC branch, funds may go to the wrong account. Always verify both IFSC and account number.
Q: Can I use IFSC for IMPS on a mobile app?
A: Yes. Many mobile apps accept account number + IFSC for IMPS. IMPS is typically instant and available 24×7. Some banks also support MMID, but account+IFSC is common and recommended.
Q: Is there a minimum or maximum amount for NEFT/RTGS/IMPS?
A: IMPS is used for small-to-medium instant transfers (limits are set by the bank). NEFT has no strict minimum but processes in batches. RTGS is meant for high-value, real-time transfers and often has a minimum threshold set by banks. Check your bank’s current limits and fees before initiating large transfers.
Q: How can I verify the branch details before sending money?
A: Enter the IFSC and account details in your bank’s transfer screen. The app or netbanking usually displays the branch name after IFSC auto-detect. You can also call the branch at 9297955070 to confirm details if in doubt.
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.