Bihar Gramin Bank Chandradeep IFSC Code

Bihar Gramin Bank Chandradeep IFSC Code

by

The Bihar Gramin Bank branch at Chandradeep is located in Jamui district of Bihar. The branch serves retail and rural customers around PIN 805124. For electronic fund transfers (NEFT, RTGS, IMPS) the IFSC code identifies the bank and the specific branch so money is routed correctly and quickly. Using the correct IFSC prevents failed payments, delays, and reconciliation errors.

Branch Details

Bank Name Bihar Gramin Bank
Branch Name Chandradeep
IFSC Code PUNB0MBGB06
MICR Code 800811002
Branch Code 3404
Branch Address Chandradeep, Jamui, 805124, 8102918608
Contact Number 8102918608
City Jamui
District Jamui
Reason JAMUI
Pincode 805124
State Bihar

Merger Update

Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged into a single entity under Punjab National Bank’s sponsorship. All old UBGB and DBGB IFSC codes have been revoked. For this Chandradeep branch, use the single valid IFSC PUNB0MBGB06 for NEFT, RTGS and IMPS. Transactions attempted with old UBGB/DBGB IFSC codes will not succeed.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to route electronic payments to the correct bank branch. Its structure is:

  • First 4 characters: Bank identifier. Example: PUNB = Punjab National Bank.
  • 5th character: Always zero (0), reserved for future use.
  • Last 6 characters: Branch identifier. Example: MBGB06 in PUNB0MBGB06.

How to Use IFSC Code for NEFT / RTGS / IMPS

  1. Open your bank’s netbanking portal or mobile app, or visit the branch for offline transfer.
  2. Select transfer type: NEFT, RTGS (large-value, same-day) or IMPS (instant, 24×7).
  3. Add a beneficiary. Enter beneficiary name exactly as per their bank account.
  4. Enter the beneficiary account number and the IFSC PUNB0MBGB06.
  5. Double-check the IFSC and account number. A single wrong digit can misroute funds.
  6. Authorize the transfer with your transaction PIN, OTP or OTP hardware device as required by your bank.
  7. Save the beneficiary only after successful verification. For high-value RTGS transfers, confirm cut-off times with your bank.

Benefits of Knowing the IFSC

  • Ensures money reaches the exact branch and account without manual intervention.
  • Prevents failed transfers and chargebacks due to incorrect routing.
  • Simplifies adding beneficiaries for repeat transfers (salaries, vendor payments).
  • Required for electronic mandates, inward remittances and some online tax or bill payments.
  • Helps bank staff troubleshoot transaction failures by confirming routing details.

Contact

Branch phone: 8102918608

Branch address: Chandradeep, Jamui, 805124

Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free: 18001807777

FAQs

Q: Can I use this IFSC for IMPS from any bank’s mobile app?
A: Yes. Enter PUNB0MBGB06 and the beneficiary account number in IMPS. IMPS operates 24×7, but confirm the bank’s own maintenance windows.

Q: What if I enter a wrong IFSC but correct account number?
A: Most systems validate IFSC with account number. If they don’t match, the transfer may be rejected or delayed. Contact your bank immediately to trace or reverse the payment.

Q: How can I confirm this IFSC is current?
A: Use bank-provided channels: branch, bank customer care, or your netbanking beneficiary-add screen. Since UBGB/DBGB codes were revoked, rely on the current code PUNB0MBGB06.

Q: Is MICR the same as IFSC?
A: No. MICR (Numeric) is used mainly for cheque processing and clearing. IFSC is used for electronic funds transfer routing. For this branch MICR is 800811002.

Q: Can I transfer using only the IFSC and not the branch name?
A: Yes. The IFSC encodes the bank and branch. However, always provide the beneficiary name and exact account number to avoid mismatches during reconciliation.

Leave a Comment