The Bihar Gramin Bank branch in Jawkatia, located in the West Champaran district of Bihar, is an important financial hub for the local community. To manage money transfers smoothly and securely, it’s essential to know the branch’s Indian Financial System Code (IFSC). This unique code acts like a digital address for banking and is required for various electronic fund transfers, such as NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). Understanding and correctly using this code ensures that your funds reach the intended recipient without delay or error.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Jawkatia |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100279 |
| Branch Address | Jawkatia, WEST CHAMPARAN, 845454, 9297955718 |
| Contact Number | 9297955718 |
| City | WEST CHAMPARAN |
| District | WEST CHAMPARAN |
| Region | BETTIAH |
| Pincode | 845454 |
| State | Bihar |
Merger Update
The IFSC code PUNB0MBGB06 used by the Bihar Gramin Bank’s Jawkatia branch has an important history related to banking mergers in Bihar. This code reflects the consolidation of various Regional Rural Banks (RRBs) sponsored by Punjab National Bank. Specifically, PUNB0MBGB06 is associated with entities that arose from the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). These two banks combined to form Mithila Gramin Bank, which now operates under the sponsorship of Punjab National Bank.
Therefore, any old IFSC codes previously used by branches now under this merged structure, including those of UBGB, have been revoked. Only the new, consolidated IFSC code like PUNB0MBGB06 is valid for all financial transactions for these branches. This change ensures uniformity and streamlines banking operations across the network.
What is an IFSC Code?
The IFSC Code, or Indian Financial System Code, is a unique 11-character alphanumeric code used to identify all bank branches participating in online money transfers in India. It is crucial for electronic fund transfers like NEFT, RTGS, and IMPS.
The code is structured in a specific way:
- The first four characters represent the bank name. For example, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsoring bank.
- The fifth character is always ‘0’ (zero). This is kept as a control character for future use.
- The last six characters identify the specific branch. In PUNB0MBGB06, “MBGB06” uniquely identifies the Jawkatia branch within the context of the merged entity.
Knowing this structure helps you quickly identify the bank and branch involved in any transaction.
How to Use the IFSC Code
Using the IFSC code is straightforward when performing electronic fund transfers. Here’s how it works for common services:
- NEFT (National Electronic Funds Transfer): When you want to send money via NEFT, you’ll need the beneficiary’s bank account number, their name, and their bank branch’s IFSC code. For instance, if you are sending money to the Bihar Gramin Bank Jawkatia branch, you would input their account number, name, and PUNB0MBGB06 as the IFSC.
- RTGS (Real Time Gross Settlement): Similar to NEFT, RTGS transactions, typically used for larger amounts, also require the beneficiary’s IFSC code, account number, and name. The system uses the IFSC to route the funds instantly to the correct branch.
- IMPS (Immediate Payment Service): For instant, 24/7 transfers, IMPS also relies on the IFSC. You can transfer funds using the beneficiary’s mobile number and MMID (Mobile Money Identifier) or directly using their account number and IFSC code. The IFSC ensures the money lands in the correct bank branch account right away.
Always double-check the IFSC code, account number, and beneficiary name before confirming any transaction to avoid errors.
Benefits of Knowing the IFSC Code
Having easy access to the correct IFSC code offers several advantages:
- Accuracy in Fund Transfers: It ensures that your money is transferred to the exact intended bank branch, minimizing the risk of funds going to the wrong account.
- Speed of Transactions: IFSC codes facilitate automated processing of NEFT, RTGS, and IMPS, leading to quicker and more efficient fund transfers.
- Security: The unique identification helps prevent fraud by ensuring transfers are routed through recognized and verified banking channels.
- Convenience: It simplifies online banking and mobile banking, making it easy to manage your finances from anywhere.
- Compliance: The Reserve Bank of India (RBI) mandates the use of IFSC codes for all inter-bank electronic transactions, ensuring regulatory compliance.
Contact Information
For inquiries or assistance regarding the Bihar Gramin Bank Jawkatia branch, you can use the following contact details:
- Branch Phone Number: 9297955718
- Branch Address: Jawkatia, WEST CHAMPARAN, 845454, Bihar
- Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
- Toll-Free Number: 18001807777
Frequently Asked Questions
Q1: Is the IFSC code PUNB0MBGB06 only for the Jawkatia branch?
A1: No, the last six characters “MBGB06” specifically identify the Jawkatia branch. However, the first four characters “PUNB” and the fifth character “0” are common across all branches that fall under the Punjab National Bank’s sponsorship in this specific regional rural bank structure (Mithila Gramin Bank).
Q2: What happens if I use an incorrect IFSC code for a transfer?
A2: If you use an incorrect IFSC code, your transaction will likely fail. Most banking systems validate the IFSC code against the beneficiary bank and branch. If it doesn’t match, the transfer will be rejected, and your funds will not be debited or will be returned to your account.
Q3: Can I find the IFSC code on my passbook or cheque book?
A3: Yes, the IFSC code is typically printed on the first page of your bank passbook and on cheque leaves provided by the bank. It is also available on the bank’s official website or through online IFSC finders.
Q4: What is the difference between IFSC and MICR codes?
A4: The IFSC (Indian Financial System Code) is an 11-character code used for electronic fund transfers like NEFT, RTGS, and IMPS. The MICR (Magnetic Ink Character Recognition) code is a 9-digit numerical code printed on cheques, primarily used for clearing cheques. Both codes help identify bank branches but serve different purposes.
Q5: Is it safe to share my bank’s IFSC code?
A5: Yes, it is generally safe to share your bank’s IFSC code. The IFSC code is publicly available information and is necessary for others to send money to your account. However, you should never share sensitive information like your account password, ATM PIN, or OTP with anyone.
Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.