Bihar Gramin Bank Jamunia IFSC Code

Welcome to Jamunia, a key location within the West Champaran district of Bihar. In today’s digital age, understanding how to transfer money electronically is essential. For any fund transfer through methods like National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), or Immediate Payment Service (IMPS), the Indian Financial System Code (IFSC) is a crucial piece of information. This unique code acts like an address, ensuring your money reaches the correct bank and branch without error.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Jamunia
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100214
Branch Address	Jamunia, WEST CHAMPARAN, 845455, 9297954051
Contact Number	9297954051
City	WEST CHAMPARAN
District	WEST CHAMPARAN
Reason	BETTIAH
Pincode	845455
State	Bihar

Merger Update

It’s important to note a significant change regarding regional rural banks in Bihar. The former Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have merged to form a single entity, now known as Bihar Gramin Bank. This new bank operates under the sponsorship of Punjab National Bank. As a result of this merger, all previous IFSC codes associated with UBGB and DBGB have been revoked and are no longer valid for transactions.

For any transaction involving Bihar Gramin Bank, including the Jamunia branch, you must now use the unified IFSC code PUNB0MBGB06. Using an old IFSC code from either UBGB or DBGB will lead to transaction failure. Always ensure you are using the current, valid IFSC code for secure and successful fund transfers.

What is IFSC Code?

The IFSC code is an 11-character alpha-numeric code that uniquely identifies every bank branch in India participating in electronic fund transfers. Think of it as a specific address for a bank branch. The structure of the IFSC code is quite systematic:

• The first four characters represent the bank name. For Bihar Gramin Bank, sponsored by Punjab National Bank, these characters are "PUNB". This indicates the sponsoring bank.
• The fifth character is always a "0" (zero). This character is reserved for future use and helps maintain uniformity in the code structure.
• The last six characters identify the specific branch. In the case of the Jamunia branch with IFSC PUNB0MBGB06, "MBGB06" specifically points to this particular branch of Bihar Gramin Bank.

This structured format ensures that each branch has a distinct identifier, making electronic transactions accurate and traceable.

How to Use IFSC Code

Using the IFSC code is a straightforward process when you’re making an electronic fund transfer. Here’s a step-by-step guide for NEFT, RTGS, or IMPS transactions:

1. Initiate the Transfer: Whether you are using online banking, a mobile banking app, or filling out a form at a bank branch, start by selecting the option to initiate a fund transfer (NEFT, RTGS, or IMPS).
2. Enter Beneficiary Details: You will need to provide the recipient’s information. This includes their full name, their bank account number, and the type of account (savings or current).
3. Input the IFSC Code: This is where the IFSC code comes in. Carefully enter the 11-character IFSC code for the beneficiary’s bank branch. For the Jamunia branch of Bihar Gramin Bank, this would be PUNB0MBGB06. Many online banking systems will automatically populate the bank and branch name once you enter the correct IFSC code, which helps in verification.
4. Enter the Amount: Specify the amount of money you wish to transfer.
5. Confirm and Authorize: Double-check all the details you’ve entered, especially the account number and IFSC code, to ensure accuracy. Any error could lead to the funds being sent to the wrong account or the transaction failing. Once confirmed, authorize the transaction using your password, PIN, or OTP (One-Time Password).

NEFT transfers are processed in batches, RTGS is for large value, real-time transfers, and IMPS allows instant, 24/7 transfers for smaller amounts. In all these methods, the IFSC code is the key identifier for the destination branch.

Benefits

Knowing and using the correct IFSC code offers several key advantages for financial transactions:

• Ensures Accuracy: The primary benefit is that it guarantees your money is directed to the precise bank and branch, minimizing the risk of errors in fund transfers.
• Speeds Up Transactions: By accurately identifying the destination, the IFSC code allows for faster processing of electronic fund transfers like NEFT, RTGS, and IMPS.
• Enhances Security: It adds a layer of security by requiring a specific, verifiable code for each transaction, reducing the chances of fraud.
• Facilitates Online Banking: The IFSC code is indispensable for performing seamless online banking operations, allowing you to transfer funds from the convenience of your home or office.
• Prevents Reversals: Correct use of the IFSC code helps avoid transaction reversals or delays that can occur when incorrect banking information is provided.

Contact

For any queries or assistance related to the Jamunia branch or Bihar Gramin Bank, you can use the following contact details:

• Jamunia Branch Phone Number: 9297954051
• Jamunia Branch Address: Jamunia, WEST CHAMPARAN, 845455, Bihar
• Bihar Gramin Bank Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Bihar Gramin Bank Toll-Free Number: 18001807777

FAQs

Here are some frequently asked questions about IFSC codes and Bihar Gramin Bank:

Q1: What will happen if I use an old Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB) IFSC code for a transaction?
A: If you attempt to use an old UBGB or DBGB IFSC code, your transaction will likely fail. This is because both banks have merged to form Bihar Gramin Bank, and all their old IFSC codes have been revoked. You must use the new, unified IFSC code PUNB0MBGB06 for transactions with the Jamunia branch of Bihar Gramin Bank.

Q2: Is the IFSC code PUNB0MBGB06 specific only to the Jamunia branch?
A: Yes, the full 11-character IFSC code PUNB0MBGB06 is unique to the Jamunia branch of Bihar Gramin Bank. While "PUNB" identifies the sponsoring bank (Punjab National Bank) and "MBGB" is part of the identifier for Bihar Gramin Bank, the complete code, including "06" at the end, specifically directs funds to the Jamunia branch.

Q3: Where can I find the IFSC code for my Bihar Gramin Bank account?
A: You can typically find the IFSC code printed on your bank passbook or your cheque book. It is also available on the bank’s official website, through your online banking portal, or by contacting the branch directly.

Q4: What is the difference between an IFSC code and a MICR code?
A: An IFSC code (Indian Financial System Code) is used for electronic fund transfers like NEFT, RTGS, and IMPS to identify a specific bank branch. A MICR code (Magnetic Ink Character Recognition) is an 9-digit code found at the bottom of a cheque leaf. It is primarily used for processing and clearing paper-based cheques quickly and efficiently.

Q5: Is Bihar Gramin Bank a government bank?
A: Yes, Bihar Gramin Bank is a Regional Rural Bank (RRB). These banks are government-owned entities, with their equity shared among the Government of India, the respective State Government, and a Sponsor Bank. In this case, Punjab National Bank is the sponsor bank for Bihar Gramin Bank.