Bihar Gramin Bank JAMUHAR IFSC Code

Welcome to the detailed guide for the Bihar Gramin Bank branch located in JAMUHAR, Rohtas, Bihar. When you need to transfer money electronically, whether through NEFT, RTGS, or IMPS, a specific code is essential: the IFSC (Indian Financial System Code). This code acts like a unique digital address for each bank branch, ensuring your funds reach the correct destination quickly and accurately, preventing errors in your transactions.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	JAMUHAR
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7438
Branch Address	JAMUHAR, Rohtas, 821305
Contact Number	9771464438
City	Rohtas
District	Rohtas
Reason	SASARAM
Pincode	821305
State	Bihar

Merger Update

It’s important to understand the history of Bihar Gramin Bank. This bank was formed from the merger of two prominent regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this merger, all branches now operate under the unified Bihar Gramin Bank identity. As a regional rural bank, Bihar Gramin Bank is sponsored by Punjab National Bank (PNB), which is why its IFSC codes begin with “PUNB”.

For branches like JAMUHAR, the new and currently valid IFSC code is PUNB0MBGB06. It is crucial to note that any old IFSC codes previously used for Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank branches have been revoked. For any electronic fund transfers to Bihar Gramin Bank, including the JAMUHAR branch, you must exclusively use the new, unified IFSC code: PUNB0MBGB06. Using an old or incorrect code will cause your transaction to fail.

What is IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to uniquely identify every bank branch participating in electronic funds transfer systems in India. Think of it as a specific address for a bank branch in the digital world. The code is structured in a clear way:

• The first four characters represent the bank’s name. For Bihar Gramin Bank, this is “PUNB” because it is sponsored by Punjab National Bank.
• The fifth character is always a “0” (zero). This is kept as a control character for future use.
• The last six characters uniquely identify the specific bank branch. In the case of JAMUHAR branch, this part is “MBGB06”. These last six characters change from one branch to another within the same bank.

This unique identification ensures that when you send money, it reaches the exact branch and not just the general bank.

How to Use IFSC Code

Knowing the IFSC code is essential for various electronic money transfers. Here’s how you’ll typically use it:

• NEFT (National Electronic Funds Transfer): For NEFT transactions, you need the beneficiary’s name, account number, account type, and the correct IFSC code. You enter these details into your bank’s online banking portal or a physical NEFT form at the branch. The NEFT system uses the IFSC code to route your payment to the specific beneficiary branch, typically processed in batches throughout the day.
• RTGS (Real Time Gross Settlement): RTGS is used for large-value transactions (usually above Rs. 2 lakhs). Similar to NEFT, you provide the beneficiary’s details, including their IFSC code. RTGS transactions are processed individually and in real-time, meaning the funds are transferred almost immediately.
• IMPS (Immediate Payment Service): IMPS allows for instant, 24/7 fund transfers, even on holidays. When using IMPS via mobile banking or internet banking, you’ll need the beneficiary’s mobile number and MMID (Mobile Money Identifier) or their account number and IFSC code. The IFSC code ensures the immediate routing of funds to the correct bank and branch.

In all these methods, the IFSC code acts as a critical piece of information that directs your money to the right place. Always double-check the IFSC code before confirming a transaction to avoid delays or errors.

Benefits

Knowing and using the correct IFSC code offers several advantages for your banking needs:

• Ensures Accuracy: It helps precisely identify the destination bank branch, significantly reducing the chances of funds being transferred to an incorrect account or bank.
• Facilitates Online Transfers: It is mandatory for all major electronic fund transfer systems like NEFT, RTGS, and IMPS, enabling seamless digital banking.
• Speeds Up Transactions: By providing a unique digital address, the IFSC code streamlines the process of routing funds, leading to faster transfer times.
• Enhances Security: It adds an extra layer of verification, ensuring that money is sent to a legitimate and identifiable bank branch.
• Simplifies Inter-Bank Operations: It makes it easier for different banks to communicate and process transactions with each other effectively across the country.

Contact Section

If you need to get in touch with Bihar Gramin Bank or its JAMUHAR branch, here are the contact details:

• JAMUHAR Branch Phone Number: 9771464438
• JAMUHAR Branch Address: JAMUHAR, Rohtas, 821305
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Bihar Gramin Bank Toll-Free Number: 18001807777

FAQs Section

Q1: Can I still use the old IFSC codes for Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank for the JAMUHAR branch?
A1: No, you cannot. After the merger, all old IFSC codes for UBGB and DBGB branches have been revoked. You must use the new, unified IFSC code, PUNB0MBGB06, for all transactions related to Bihar Gramin Bank, including the JAMUHAR branch.

Q2: Is the IFSC code the same for all branches of Bihar Gramin Bank?
A2: No, the IFSC code is unique for each branch. While the first five characters (“PUNB0”) are common for all Bihar Gramin Bank branches due to the bank’s sponsorship by Punjab National Bank, the last six characters (e.g., “MBGB06” for JAMUHAR) are distinct and identify the specific branch.

Q3: What should I do if I accidentally enter a wrong IFSC code during a fund transfer?
A3: If the entered IFSC code doesn’t match the beneficiary’s bank or branch, the transaction will typically fail immediately, and your bank will notify you. In rare cases where the incorrect IFSC code corresponds to a valid but different branch, the transaction might go through, but the funds would be misdirected. Always verify the IFSC code carefully before completing any transfer.

Q4: Where can I find the correct IFSC code for any Bihar Gramin Bank branch?
A4: You can typically find the correct IFSC code on your bank’s chequebook, your passbook, or by visiting the official website of Bihar Gramin Bank or Punjab National Bank. Most banking apps also provide a search function for IFSC codes.

Q5: Is the MICR code the same as the IFSC code?
A5: No, they are different. The IFSC code is an 11-character code used for electronic fund transfers (NEFT, RTGS, IMPS). The MICR (Magnetic Ink Character Recognition) code is a 9-digit code primarily used for processing cheques and identifying the bank and branch. While both identify a branch, they serve different purposes.