Bihar Gramin Bank Aliganj(Jamui) IFSC Code

Bihar Gramin Bank, Aliganj (Jamui) branch is located in Jamui district of Bihar, pincode 811301. This branch operates under the sponsorship of Punjab National Bank and uses the IFSC code required for electronic fund transfers. The IFSC code tells systems where to route NEFT, RTGS and IMPS payments. Using the correct IFSC ensures funds reach the right branch and account quickly and with fewer errors.

Branch Details Table

Merger Update

Bihar Gramin Bank operates under Punjab National Bank after consolidation. If your branch earlier belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note that both were merged and now use a single IFSC code: PUNB0MBGB06 under Punjab National Bank. Old UBGB or DBGB IFSC codes have been revoked. Only the new IFSC code above is valid for NEFT, RTGS and IMPS transactions. Do not use old codes; transactions with revoked IFSC values will fail.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments in India. The structure is:

• First 4 characters: Bank identifier (for example PUNB = Punjab National Bank).
• 5th character: Always the number 0 (reserved for future use).
• Last 6 characters: Branch identifier (alphanumeric). In PUNB0MBGB06, the last six are MBGB06.

Note: The branch code (here listed as 3429) is an internal number separate from the IFSC last six characters. Banks can map both when processing instructions.

How to Use IFSC Code

Follow these steps when you want to send money using NEFT, RTGS or IMPS:

• Open your bank’s netbanking portal or mobile app and choose the fund transfer option.
• Select the transfer type: NEFT, RTGS or IMPS. Use RTGS for high-value immediate transfers if your bank requires it.
• Enter the beneficiary’s account number exactly as provided.
• Enter the beneficiary’s IFSC: PUNB0MBGB06 for Bihar Gramin Bank, Aliganj (Jamui).
• Fill beneficiary name, amount and any remark required.
• Verify all details on screen. Confirm and authenticate with OTP or token as your bank requires.
• Save the beneficiary after a successful transfer if you will reuse it. Always re-check IFSC before repeating transfers.

Practical notes:

• IMPS is immediate and available 24×7; it requires account number + IFSC or a mobile/UPI identifier.
• NEFT and RTGS are also available round the clock but follow your bank’s limits and cutoffs. RTGS is typically used for higher-value transfers and processes immediately.
• If you mistakenly enter a wrong IFSC while using the correct account number, the transaction will usually fail. If both account number and IFSC mismatch, funds may be routed incorrectly—contact the bank immediately.

Benefits of Knowing the IFSC

• Ensures funds are routed to the correct bank and branch.
• Makes online transfers faster and reduces failed transactions.
• Required for NEFT, RTGS and IMPS transfers—mandatory for most electronic payments.
• Helps verify beneficiary details before saving them in your banking app.
• Useful for setting up standing instructions, salary credits and vendor payments after verification.

Contact

Branch phone no: 8102918632
Branch Address: Aliganj(Jamui), Jamui, 811301
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777

FAQs

• Q: Is PUNB0MBGB06 the only IFSC I can use for Aliganj (Jamui)?
  A: Yes. After the merger and reorganization, the valid IFSC for this branch is PUNB0MBGB06. Old UBGB/DBGB IFSC codes are revoked and should not be used.
• Q: How can I double-check the IFSC before sending money?
  A: Check the IFSC printed on the cheque leaf for that account, call the branch phone number (8102918632), or confirm from official bank communications. Always verify account number and IFSC together.
• Q: What happens if I enter the wrong IFSC but the correct account number?
  A: Most systems validate account number and IFSC pair. The transfer will usually fail and be reversed. If the wrong IFSC matches another valid account, recovery may take time and require bank intervention.
• Q: Can I use IFSC for UPI payments?
  A: No. UPI payments use virtual payment addresses (VPAs) or QR codes. IFSC is required for bank-to-bank transfers like NEFT, RTGS and IMPS where you supply an account number.
• Q: Are NEFT/RTGS/IMPS available 24×7 for this branch?
  A: IMPS is available 24×7. NEFT and RTGS services are provided by the banking system continuously; however, exact availability and limits can vary by sending bank. For urgent high-value transfers, confirm RTGS rules with your bank.

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.