Bihar Gramin Bank Jankinagar IFSC Code

This article provides details about the Bihar Gramin Bank, Jankinagar branch, located in Purnia, Bihar. When you need to send money digitally, through systems like NEFT, RTGS, or IMPS, an IFSC code is essential. This unique code ensures your funds reach the correct bank branch and account without delays or errors.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Jankinagar
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100709
Branch Address	Jankinagar, PURNIA, 854102, 9297954156
Contact Number	9297954156
City	PURNIA
District	PURNIA
Reason	PURNEA
Pincode	854102
State	Bihar

Merger Update

Bihar Gramin Bank is a regional rural bank that serves the financial needs of its regions. For clarity on IFSC codes, it is important to note recent developments. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have undergone mergers and now operate under the sponsorship of Punjab National Bank. As a result of these structural changes, a unified approach for IFSC codes has been adopted for various regional rural banks sponsored by Punjab National Bank.

Specifically, the single IFSC code PUNB0MBGB06 is now used for transactions for these merged entities. This means any old IFSC codes that were previously specific to UBGB or DBGB branches have been revoked and are no longer valid for fund transfers. For the Bihar Gramin Bank, Jankinagar branch, PUNB0MBGB06 is the correct and only valid code for your NEFT, RTGS, and IMPS transactions. Always use this updated code to ensure your money transfers are processed correctly.

What is an IFSC Code?

An IFSC (Indian Financial System Code) is a unique 11-character alphanumeric code. It identifies every bank branch participating in online fund transfers within India. This code is crucial for the electronic transfer of money.

The IFSC code follows a specific structure:

• The first four characters represent the bank. For PUNB0MBGB06, “PUNB” stands for Punjab National Bank, which is the sponsoring bank for Bihar Gramin Bank.
• The fifth character is always a ‘0’ (zero). This character is reserved for future use and remains constant across all IFSC codes.
• The last six characters identify the specific branch. In this case, “MBGB06” identifies the Jankinagar branch under the Madhya Bihar Gramin Bank structure within the PNB sponsorship.

How to Use an IFSC Code

Using an IFSC code for online fund transfers like NEFT, RTGS, or IMPS is straightforward. Here are the steps you generally follow:

1. Log In: Access your net banking portal or mobile banking app.
2. Select Transfer Type: Choose the type of transfer you want to make (NEFT, RTGS, or IMPS).
3. Add Beneficiary: If you are sending money to this account for the first time, you will need to add the beneficiary.
4. Enter Details: Provide the following information for the beneficiary:
   • Beneficiary Account Number (twice, for confirmation)
   • Beneficiary Name
   • Bank Name (Bihar Gramin Bank)
   • IFSC Code (PUNB0MBGB06 for Jankinagar branch)
   • Branch Name (Jankinagar)
5. Verify and Confirm: Double-check all the details you have entered, especially the account number and IFSC code, to prevent any mistakes.
6. Enter Amount: Specify the amount you wish to transfer.
7. Complete Transaction: Authorize the transaction, usually with an OTP or transaction password.

For recurring transfers to the same beneficiary, you will simply select their name from your saved list and proceed with the transfer amount.

Benefits of Knowing Your IFSC Code

Knowing the correct IFSC code for your bank branch, or for the account you are sending money to, offers several important benefits:

• Accurate Fund Transfers: The IFSC code ensures that your money is routed to the exact bank and branch intended, reducing the risk of errors.
• Faster Transactions: It facilitates quick and efficient processing of electronic fund transfers like NEFT and RTGS, allowing money to move between accounts swiftly.
• Security: By uniquely identifying each branch, IFSC codes add an extra layer of security and verification to your digital transactions.
• Convenience: It simplifies the process of sending and receiving money online, eliminating the need for physical visits to the bank for every transaction.
• Mandatory for Online Banking: For any form of online banking transfer, the IFSC code is a mandatory field, making its knowledge essential for modern banking.

Contact Information

For specific inquiries related to the Bihar Gramin Bank, Jankinagar branch, you can use the following details:

• Branch Phone Number: 9297954156
• Branch Address: Jankinagar, PURNIA, 854102

For general assistance or reaching the head office:

• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: Is PUNB0MBGB06 the correct IFSC for all Bihar Gramin Bank branches?
A1: No, PUNB0MBGB06 is specifically for the Bihar Gramin Bank, Jankinagar branch. Each branch has its own unique IFSC code. You should always confirm the correct IFSC code for the specific branch you are dealing with.

Q2: What is the MICR code for Bihar Gramin Bank, Jankinagar branch?
A2: The MICR (Magnetic Ink Character Recognition) code for the Bihar Gramin Bank, Jankinagar branch, is 800811002. This code is primarily used for clearing cheques.

Q3: Can I use an old UBGB or DBGB IFSC code for a transaction if I know it?
A3: No, you should not. As mentioned in the merger update, old IFSC codes for Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been revoked. You must use the new and valid IFSC code, such as PUNB0MBGB06, for any relevant transactions.

Q4: What if I enter the wrong IFSC code during a fund transfer?
A4: If you enter an incorrect IFSC code, your transaction will likely fail or be rejected by the banking system. In some rare cases, if the incorrect code points to a valid but different branch, the money might be transferred there. It is crucial to always double-check the IFSC code to prevent such issues.

Q5: How can I find the IFSC code for other Bihar Gramin Bank branches?
A5: You can usually find the IFSC code for other branches on your bank’s official website, your cheque book, or your passbook. Many third-party financial websites also provide IFSC code lookup tools. Alternatively, you can contact the bank’s customer service for assistance.