Bihar Gramin Bank Tola Baramasia IFSC Code

The Bihar Gramin Bank branch at Tola Baramasia is located in Jamui district, Bihar (PIN 811308). This branch handles local retail and agricultural banking needs. For electronic fund transfers—NEFT, RTGS and IMPS—the branch’s IFSC code is required. The IFSC routes the payment to the correct bank and branch on the payment network. Entering the correct IFSC avoids delays, rejects and mis-routing of funds.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Tola Baramasia
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3446
Branch Address	Tola Baramasia, Jamui, 811308, 8102928370
Contact Number	8102928370
City	Jamui
District	Jamui
Reason	JAMUI
Pincode	811308
State	Bihar

Merger Update

If this branch formerly belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note the following: both regional gramin banks have been merged into Punjab National Bank’s network for electronic transfers. All legacy UBGB and DBGB IFSC codes have been revoked. The consolidated, valid IFSC to use for this branch is PUNB0MBGB06 under Punjab National Bank. Old UBGB/DBGB IFSC values will not work for NEFT, RTGS or IMPS. Always use the new PUNB0MBGB06 IFSC for transactions to this branch.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches on electronic payment systems. Its structure is fixed:

• First 4 characters: alphabetic bank code (example: PUNB = Punjab National Bank).
• 5th character: reserved and is always the digit 0.
• Last 6 characters: branch identifier (alphanumeric). In this IFSC, MBGB06 identifies the specific branch under the bank’s coding system.

So, PUNB0MBGB06 decodes as PUNB (bank) + 0 (reserved) + MBGB06 (branch). Note: the internal numeric Branch Code (example: 3446) is a bank-specific identifier and may not match the last six characters of the IFSC.

How to Use IFSC Code (NEFT / RTGS / IMPS)

Follow these steps when sending money to this branch:

• Open your bank’s internet banking, mobile app, or visit the branch for offline transfer.
• Choose the transfer type: NEFT, RTGS or IMPS. (IMPS and NEFT are available 24×7; RTGS typically used for large-value transfers — minimum Rs. 2 lakh in many banks.)
• Add a new beneficiary. Enter beneficiary name exactly as on their account, account number, and the IFSC: PUNB0MBGB06.
• Provide the beneficiary branch details (Tola Baramasia, Jamui) and contact number if requested.
• Confirm beneficiary via OTP or bank’s authentication method.
• Initiate the transfer. Verify the amount, purpose and reference, then confirm.
• Save the transaction reference or UTR number for tracking or disputes.

Tips:

• For RTGS check your bank’s cut-off or minimum amount rules. RTGS is used for large-value immediate settlement.
• IMPS is instant and suited for small, urgent transfers (subject to transaction limits set by each bank).
• NEFT is batch-processed but now available 24×7; it’s commonly used for routine transfers.

Benefits of Knowing the IFSC

• Accurate routing: ensures money reaches the correct bank branch on the payment network.
• Faster transfers: correct IFSC reduces time spent resolving bounced or held transactions.
• Required for online transfers: most apps and internet banking require IFSC to add beneficiaries.
• Useful for cheque processing: combined with MICR (800811002) it helps clearing departments identify the branch.
• Reduces fraud risk: matching IFSC with branch details helps detect incorrect or suspicious beneficiary data before sending funds.

Contact

Branch phone no: 8102928370

Branch Address: Tola Baramasia, Jamui, 811308

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA – 800030, BIHAR

Toll free no: 18001807777

FAQs

• Q: What happens if I enter a wrong IFSC?

  A: If the IFSC is invalid, the payment system will usually reject the transfer and the funds will not be debited. If the IFSC points to a different branch but the account number exists and matches, the transfer may still succeed. That is why verify both IFSC and account number with the beneficiary before sending money.

• Q: Can I use the MICR code instead of IFSC for online transfers?

  A: No. MICR (800811002) is for cheque clearing only. Online systems require IFSC (PUNB0MBGB06) to route NEFT/RTGS/IMPS payments.

• Q: Has the IFSC changed after the merger of regional gramin banks?

  A: Yes. Regional UBGB/DBGB IFSCs were consolidated under Punjab National Bank. For this branch use only PUNB0MBGB06. Old UBGB/DBGB IFSCs are revoked and no longer valid for transactions.

• Q: What is the difference between the IFSC’s last six characters and the branch code shown as 3446?

  A: The IFSC’s last six characters (MBGB06) are a coded identifier used in the payment network. The branch code (3446) is an internal bank identifier. They serve different administrative purposes; always use the IFSC for transfers.

• Q: How long does a NEFT transfer to this branch take?

  A: NEFT is available 24×7 in hourly settlement cycles; most transfers complete within a few hours. IMPS is instant. RTGS is near-instant for high-value payments subject to bank processing and cut-off rules.