Bihar Gramin Bank Jadiahat IFSC Code

The Bihar Gramin Bank branch in Jadiahat, located in the Supaul district of Bihar, serves as a vital financial hub for the local community. For anyone looking to transfer money electronically, understanding the Indian Financial System Code (IFSC) is crucial. This unique code is essential for initiating secure and efficient fund transfers through systems like NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). It ensures that your money reaches the correct bank and branch without error.

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Jadiahat
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100708
Branch Address	Jadiahat, SUPAUL, 852128, 9297954247
Contact Number	9297954247
City	SUPAUL
District	SUPAUL
Region	SAHARSA
Pincode	852128
State	Bihar

Merger Update

Many Regional Rural Banks (RRBs) in India have undergone mergers to streamline operations and offer better services. While Bihar Gramin Bank is an independent entity, similar consolidation has occurred with banks like Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These banks have merged under the sponsorship of Punjab National Bank (PNB). As a result of such mergers, a unified IFSC code, like PUNB0MBGB06, is now used for transactions across many of these consolidated rural bank branches. It is important to know that any old IFSC codes previously associated with entities like UBGB are now revoked and are no longer valid for fund transfers. For any transaction involving the Bihar Gramin Bank, Jadiahat branch, or other branches under this structure, always use the active IFSC code PUNB0MBGB06. This ensures your transactions are processed correctly and securely.

What is IFSC Code?

The Indian Financial System Code, or IFSC, is an an 11-character alphanumeric code. It uniquely identifies every bank branch participating in online fund transfers. Understanding its structure can be helpful.

• The first four characters represent the bank’s name. For PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsor bank.
• The fifth character is always a ‘zero’ (0). This character is reserved for future use and helps differentiate the bank code from the branch code.
• The last six characters identify the specific branch. In this case, “MBGB06” points to the particular regional rural bank and branch network.

This systematic structure prevents errors and ensures your money goes to the right place.

How to Use IFSC Code

Using the IFSC code is a standard part of online fund transfers. Here’s how it works for common transfer methods:

• NEFT (National Electronic Funds Transfer): When you want to send money via NEFT, you will need the beneficiary’s bank name, branch name, account number, and the correct IFSC code (PUNB0MBGB06 for the Jadiahat branch). You enter these details into your online banking portal or a bank’s NEFT form.
• RTGS (Real Time Gross Settlement): For larger value transactions, RTGS requires the same information as NEFT. The IFSC code is critical for the system to identify the destination bank and branch instantly for real-time processing.
• IMPS (Immediate Payment Service): IMPS offers instant fund transfers 24/7. When initiating an IMPS transfer, you provide the beneficiary’s mobile number and MMID (Mobile Money Identifier), or their account number and IFSC code. The IFSC ensures the funds are credited to the correct bank account immediately.

Always double-check the IFSC code before confirming a transaction to avoid any delays or misdirected funds.

Benefits

Knowing and using the correct IFSC code offers several advantages:

• It ensures accurate and secure fund transfers.
• It speeds up online transactions like NEFT, RTGS, and IMPS.
• It helps prevent money from being sent to the wrong bank or branch.
• It simplifies the process of adding new beneficiaries for online banking.
• It is mandatory for all electronic money transfer services within India.

Contact Information

For assistance or inquiries related to the Bihar Gramin Bank, Jadiahat branch, you can use the following details:

• Branch Phone Number: 9297954247
• Branch Address: Jadiahat, SUPAUL, 852128
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777 (This number is typically for the sponsoring bank, Punjab National Bank, or a consolidated RRB helpdesk)

Frequently Asked Questions

Q1: What is the IFSC code for Bihar Gramin Bank, Jadiahat branch?

A1: The IFSC code for the Bihar Gramin Bank, Jadiahat branch, is PUNB0MBGB06.

Q2: Is the IFSC code the same for all branches of Bihar Gramin Bank?

A2: No, the first four characters (PUNB) and the fifth character (0) are common for branches under this specific banking structure. However, the last six characters are unique to each branch. So, while the initial part might be the same, the full 11-character IFSC code is specific to each individual branch.

Q3: What if I use an old or incorrect IFSC code for a transaction?

A3: If you use an old or incorrect IFSC code, your fund transfer will likely fail. The transaction may be rejected by the bank, or the funds could be put on hold, causing delays. Always verify the current and correct IFSC code before initiating any transfer.

Q4: Can I find the IFSC code on my passbook or chequebook?

A4: Yes, the IFSC code is typically printed on your bank passbook and on the top left corner of your cheque leaves. It is a standard practice for banks to display this essential information for customer convenience.

Q5: Why does the IFSC code start with “PUNB” for Bihar Gramin Bank?

A5: The “PUNB” in the IFSC code indicates that Bihar Gramin Bank is sponsored by Punjab National Bank. Regional Rural Banks (RRBs) often use an IFSC structure that reflects their sponsoring commercial bank for standardized electronic fund transfer services.