The Bihar Gramin Bank branch at Jaitapur is located in East Champaran district of Bihar (Pincode 845440). This branch serves local residents and small businesses in and around Jaitapur (Motihari region). For electronic fund transfers — NEFT, RTGS, and IMPS — you must use the correct IFSC code to route payments to this exact branch. An accurate IFSC prevents delays, failed transactions, or money going to the wrong branch.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Jaitapur |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100258 |
| Branch Address | Jaitapur, EAST CHAMPARAN, 845440, 9297954649 |
| Contact Number | 9297954649 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845440 |
| State | Bihar |
Merger Update
The Jaitapur branch now uses the single IFSC code PUNB0MBGB06 under Punjab National Bank (PNB). This reflects the consolidation of regional Gramin banks. If this branch previously operated under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note that both banks have been merged and their old IFSC codes have been revoked. Only the new IFSC PUNB0MBGB06 is valid for NEFT, RTGS and IMPS transactions. Do not use older UBGB/DBGB IFSC codes; they can cause transaction failure or rejection.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code. It routes electronic payments to the correct bank branch. The structure is:
- First 4 characters: bank identifier (alphabetic). Example: PUNB = Punjab National Bank.
- Fifth character: reserved and always 0.
- Last 6 characters: branch identifier (alphanumeric). Example: MBGB06 identifies the Jaitapur branch in this code.
So, PUNB0MBGB06 decodes as PUNB (bank) + 0 (reserved) + MBGB06 (branch). IFSC is used in NEFT, RTGS and IMPS to locate the beneficiary branch electronically.
How to Use IFSC Code
- Open your bank’s netbanking site or mobile app and go to “Fund Transfer” or “Add Beneficiary.”
- Enter beneficiary name exactly as per bank records.
- Enter beneficiary account number and re-type to confirm.
- Enter IFSC: PUNB0MBGB06 for Bihar Gramin Bank, Jaitapur branch.
- Choose transfer type: IMPS for immediate small-value transfers, NEFT for routine transfers, or RTGS for high-value, real-time settlements (banks typically set RTGS minimum at ₹2 lakh; check your bank).
- Verify details, submit, and authenticate (OTP or transaction PIN) as required by your bank.
- Keep the transaction reference and confirm with the beneficiary if funds do not arrive within expected time.
Benefits of Knowing the IFSC
- Accurate routing: Ensures funds reach the exact branch and account.
- Faster processing: Correct IFSC reduces rejections and manual intervention.
- Required for all electronic transfers: NEFT, RTGS, IMPS and many bank forms.
- Useful for verification: Compare IFSC on cheque leaf, passbook, or bank statement.
- Helps detect changes after mergers: Using the updated IFSC avoids declined transfers.
Contact
Branch Phone No: 9297954649
Branch Address: Jaitapur, EAST CHAMPARAN, 845440
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: Where can I verify this IFSC before making a payment?
A: Verify on the beneficiary’s cheque leaf, passbook, or by asking the branch directly (phone 9297954649). Also confirm the IFSC printed on bank stationery or an official bank SMS/email.
Q: What happens if I enter a wrong IFSC but the correct account number?
A: IFSC directs the payment to a branch. If IFSC and account number mismatch, the originating bank or destination bank may reject the transfer. In some systems, partial matches can cause delays while banks investigate. Always confirm both account number and IFSC.
Q: Are NEFT, RTGS and IMPS available 24×7 for this branch?
A: These systems are available 24×7 nationwide. IMPS is instantaneous. RTGS settles in real-time (used mainly for larger amounts; check your bank for minimum limits). NEFT also operates round-the-clock; transfers typically settle within minutes but may take longer in exceptional cases.
Q: What is the difference between IFSC and MICR?
A: IFSC is for electronic transfers and identifies bank + branch (11 characters). MICR (9 digits) is printed on cheques for processing by the cheque-clearance system and is mainly used for physical cheque sorting. Example here: MICR = 800811002.
Q: Old UBGB/DBGB IFSC was given to me. Can I still use it?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only the new IFSC PUNB0MBGB06 for transfers to Jaitapur. If in doubt, confirm with the branch before initiating a transfer.
Q: How long will a NEFT/RTGS/IMPS transfer to this branch take?
A: IMPS is instant (seconds). RTGS and NEFT are effectively real-time under current operations, but practical times may vary by bank; most transfers clear within minutes. If a transfer delays, contact your bank quoting the transaction reference and beneficiary details.
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.