The Bihar Gramin Bank, Borwa branch is located in Borwa village, Jamui district, Bihar (PIN 811308). This branch serves local residents and small businesses in and around Jamui. For electronic fund transfers — NEFT, RTGS and IMPS — the IFSC code identifies the bank and the exact branch. Using the correct IFSC ensures funds route to the right account, prevents delays, and helps banks reconcile transactions quickly.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Borwa |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3422 |
| Branch Address | Borwa, Jamui, 811308, 8102918625 |
| Contact Number | 8102918625 |
| City | Jamui |
| District | Jamui |
| Reason | JAMUI |
| Pincode | 811308 |
| State | Bihar |
Merger Update
Important: The Borwa branch uses the IFSC code PUNB0MBGB06 under Punjab National Bank (PNB). If this branch was previously under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note that both regional gramin banks have been merged and now operate under a single IFSC code with PNB. Old UBGB and DBGB IFSC codes have been revoked. Only the new PUNB0MBGB06 code is valid for NEFT, RTGS and IMPS transactions to this branch. Always confirm the IFSC before initiating a transfer.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch in India for electronic payments. Its structure:
- First 4 characters: Bank identifier (for example, PUNB = Punjab National Bank).
- 5th character: Always the digit 0 (reserved for future use).
- Last 6 characters: Branch identifier (unique to each branch).
Example: In PUNB0MBGB06, “PUNB” = bank, “0” = reserved, “MBGB06” = branch code component.
How to Use IFSC Code (NEFT, RTGS, IMPS)
- Open your bank’s netbanking or mobile banking app or visit the branch.
- Select the transfer type: NEFT, RTGS or IMPS. (NEFT: general transfers, no strict minimum. RTGS: for large-value transfers; check your bank for minimum and cut-off times. IMPS: instant up to bank-set limits.)
- Enter beneficiary name exactly as on their account and the beneficiary account number.
- Enter the IFSC code: PUNB0MBGB06 for Bihar Gramin Bank, Borwa branch.
- Provide the beneficiary’s bank and branch details if asked (Bank: Bihar Gramin Bank; Branch: Borwa, Jamui).
- Verify all details. A single wrong digit in the IFSC or account number can delay the payment or route it incorrectly.
- Confirm and authenticate the transaction using OTP or your bank’s authentication method.
- Keep the transaction reference number until the beneficiary confirms receipt.
Benefits of Knowing the IFSC
- Ensures accurate routing of NEFT, RTGS and IMPS payments to the correct branch and account.
- Reduces failed or returned transactions and related delays.
- Makes online and mobile transfers faster and error-free.
- Helps merchants and payroll departments automate bulk transfers to branch-specific accounts.
- Necessary for registering beneficiaries in netbanking or UPI apps where branch-level identification is required.
Contact
Branch Phone: 8102918625
Branch Address: Borwa, Jamui, 811308
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Is PUNB0MBGB06 the only valid IFSC for this Borwa branch?
A: Yes. After the merger into Punjab National Bank, PUNB0MBGB06 is the valid IFSC. Any older UBGB/DBGB IFSCs are revoked and should not be used.
Q: What happens if I enter the wrong IFSC but the correct account number?
A: Most systems use both IFSC and account number for routing. If IFSC points to a different branch but the account number exists in the bank network, the transfer may still succeed or it may be returned. Always verify both fields to avoid delays. If a mistake occurs, contact your bank immediately with the transaction reference.
Q: Can I use this IFSC for NEFT, RTGS and IMPS?
A: Yes. Use PUNB0MBGB06 for NEFT, RTGS and IMPS transactions. Check with your bank for transaction limits, timing and any charges.
Q: How can I verify this IFSC before sending money?
A: Verify by contacting the branch at 8102918625, checking your bank’s beneficiary registration screen, or by asking the payee to confirm the IFSC from their bank statement. Never rely on a single unverified source.
Q: Are there transaction limits for IMPS/NEFT/RTGS?
A: Limits vary by bank: IMPS usually has a per-transaction cap set by the bank (commonly up to ₹2 lakh), NEFT has no standard minimum and is used for routine transfers, and RTGS is meant for large-value transfers (banks set minimums and cut-off windows). Check Bihar Gramin Bank / PNB for current limits and fees 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.