Bihar Gramin Bank Jadua IFSC Code

You’re looking for details about the Bihar Gramin Bank branch located in Jadua, a village in the Vaishali district of Bihar. For any modern bank transfer, like those done through NEFT, RTGS, or IMPS, knowing the Indian Financial System Code (IFSC) for this specific branch is crucial. This unique code acts like a digital address, ensuring your money reaches the right bank and branch quickly and securely.

Branch Details

Here are the key details for the Bihar Gramin Bank Jadua branch:

Bank Name	Bihar Gramin Bank
Branch Name	Jadua
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100910
Branch Address	Jadua, VAISHALI, 844101, 9297954996
Contact Number	9297954996
City	VAISHALI
District	VAISHALI
Reason	HAJIPUR
Pincode	844101
State	Bihar

Merger Update

It’s important to note a significant change regarding regional rural banks in Bihar. Both Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have merged to form a single entity: Bihar Gramin Bank. This merger aimed to consolidate operations and streamline banking services across the state.

As a result of this merger, all branches under the newly formed Bihar Gramin Bank now use a unified IFSC code structure, which is sponsored by Punjab National Bank. The specific IFSC code for the Jadua branch, PUNB0MBGB06, reflects this new structure.

If you previously had an IFSC code for a branch that was part of UBGB or DBGB, those old codes are now revoked. For any transactions with Bihar Gramin Bank, including the Jadua branch, you must use the new consolidated IFSC code, PUNB0MBGB06. Using an old, revoked code will cause your transaction to fail.

What is an IFSC Code?

The IFSC (Indian Financial System Code) is a unique 11-character alpha-numeric code assigned by the Reserve Bank of India (RBI) to identify each bank branch participating in online money transfers. It’s essential for ensuring that funds are directed to the correct destination.

The 11 characters of an IFSC code are structured as follows:

• The first four characters are alphabetic and represent the bank’s name. For Bihar Gramin Bank, sponsored by Punjab National Bank, these are “PUNB”.
• The fifth character is always a zero (0). This character is reserved for future use and acts as a control digit.
• The last six characters are alphanumeric and uniquely identify the specific bank branch. For the Jadua branch, these are “MBGB06”.

So, for the Bihar Gramin Bank Jadua branch, the IFSC code PUNB0MBGB06 clearly identifies it for digital transactions.

How to Use an IFSC Code

Using the IFSC code is a straightforward process when you’re making an online fund transfer through services like NEFT, RTGS, or IMPS. Here’s a general guide:

1. Log In to Your Bank’s Online Platform: Access your internet banking account or mobile banking app.
2. Select Fund Transfer Option: Look for options like “Fund Transfer,” “NEFT,” “RTGS,” or “IMPS.”
3. Add Beneficiary Details: If you haven’t transferred to this person or account before, you’ll need to add them as a beneficiary. This usually requires:
   • The beneficiary’s bank account number.
   • The beneficiary’s name.
   • The beneficiary’s bank branch name (Jadua).
   • The 11-character IFSC code of the beneficiary’s branch (PUNB0MBGB06).
4. Verify Details: Double-check all the entered information, especially the account number and IFSC code, to prevent errors.
5. Enter Amount and Confirm: Input the amount you wish to transfer and confirm the transaction.

Once confirmed, the system uses the IFSC code to route your funds to the correct bank and specific branch, ensuring the money reaches its intended recipient.

Benefits of Knowing Your IFSC Code

Having the correct IFSC code for your bank branch, or the branch you wish to send money to, offers several important advantages:

• It enables smooth and secure electronic fund transfers through NEFT, RTGS, and IMPS.
• It ensures that your funds are accurately directed to the specific bank branch, minimizing the risk of transfers going to the wrong account.
• It facilitates faster processing of transactions compared to traditional methods.
• It’s a mandatory requirement for initiating online money transfers, making it an essential piece of information for modern banking.
• It enhances the overall safety and efficiency of the banking system by uniquely identifying each participating branch.
• It helps in processing various financial instruments like cheques, although the MICR code is also used specifically for cheques.

Contact Information

For direct inquiries or assistance, you can use the following contact details for Bihar Gramin Bank:

• Jadua Branch Phone Number: 9297954996
• Jadua Branch Address: Jadua, VAISHALI, 844101, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number: 18001807777

Frequently Asked Questions (FAQs)

Q1: What is the IFSC code for Bihar Gramin Bank Jadua branch?
A1: The IFSC code for Bihar Gramin Bank, Jadua branch, is PUNB0MBGB06.

Q2: Is the Bihar Gramin Bank Jadua branch still operational?
A2: Yes, the Bihar Gramin Bank Jadua branch is fully operational and continues to provide banking services to its customers.

Q3: Why is the 5th character of the IFSC code always zero?
A3: The fifth character in an IFSC code is always a ‘0’ (zero). This character is reserved for future use and acts as a placeholder, allowing for potential expansion of the IFSC code structure if needed by the Reserve Bank of India.

Q4: Can I use an old Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) IFSC code for transfers to Bihar Gramin Bank Jadua branch?
A4: No. Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank have merged to form Bihar Gramin Bank. All old IFSC codes associated with UBGB and DBGB have been revoked. You must use the new consolidated IFSC code, PUNB0MBGB06, for all transactions with Bihar Gramin Bank, including its Jadua branch.

Q5: What is the MICR code for the Bihar Gramin Bank Jadua branch and what is it used for?
A5: The MICR (Magnetic Ink Character Recognition) code for the Jadua branch is 800811002. This code is primarily used for processing cheques. It’s printed on the cheque leaves and helps in faster and error-free processing of physical cheques.