The Bihar Gramin Bank branch at Jaimurtinagar is located in East Champaran district of Bihar (PIN 845303). This IFSC code page lists the branch identifiers you need for electronic fund transfers. An IFSC is required when sending money by NEFT, RTGS or IMPS. It tells the payment system which bank and which exact branch should receive the funds, so using the correct IFSC avoids failed or delayed transfers.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Jaimurtinagar |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100282 |
| Branch Address | Jaimurtinagar, EAST CHAMPARAN, 845303, 9297954648 |
| Contact Number | 9297954648 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845303 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been reorganised and now operate under a single IFSC code PUNB0MBGB06 under Punjab National Bank. Old UBGB IFSC codes have been revoked. For all electronic transfers to branches previously under UBGB or DBGB, use only the new IFSC PUNB0MBGB06. Transactions attempted with revoked IFSCs will fail or be delayed.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used by RBI-regulated electronic payment systems to route payments to the correct bank branch.
- First 4 characters = bank identifier. Example: PUNB stands for Punjab National Bank.
- 5th character = always 0 (reserved for future use).
- Last 6 characters = branch identifier. Example: MBGB06 identifies the Jaimurtinagar branch under the combined code.
So PUNB0MBGB06 breaks down as PUNB | 0 | MBGB06.
How to Use IFSC Code for NEFT, RTGS, IMPS
- Collect beneficiary details: account name, account number, bank name, branch name and IFSC (PUNB0MBGB06 for Jaimurtinagar).
- Choose transfer type:
- NEFT – typically no minimum limit; cleared in batches (now available 24×7).
- RTGS – for high-value transfers; RBI mandates a minimum of ₹2,00,000 (confirm current limit with your bank).
- IMPS – instant 24×7 transfers for lower amounts (per-transaction cap varies by bank, often up to ₹2 lakh).
- Login to netbanking or mobile app, or visit branch. Add a new beneficiary using the exact IFSC and account number. On branch forms, write the IFSC in the designated field.
- Verify beneficiary details. Some banks require a beneficiary activation wait time (e.g., 30 minutes to 24 hours).
- Initiate transfer, enter amount, and complete authentication (OTP or token). Note and save the transaction reference number.
- Check status. For IMPS and RTGS, confirmation is usually immediate. NEFT may take a short time depending on clearing batches.
Always double-check the IFSC and account number before confirming. Mistyped IFSC can route the payment to a wrong branch or fail.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account quickly.
- Required for NEFT, RTGS and IMPS transfers.
- Prevents delays, failed transactions and manual reconciliation.
- Helps customer service trace and resolve payment issues faster.
- Useful when filling bank forms, utility payments, or registering beneficiaries in netbanking apps.
Contact
Branch Phone: 9297954648
Branch Address: Jaimurtinagar, EAST CHAMPARAN, 845303
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: Can I use lowercase letters when entering IFSC?
A: IFSC is not case-sensitive for systems, but always enter it in the format shown (uppercase) to avoid human reading mistakes: PUNB0MBGB06.
Q: What happens if I enter a wrong IFSC but correct account number?
A: If the wrong IFSC points to a different bank/branch, the transfer may fail or be routed incorrectly. Many systems validate IFSC + account number together; still, verify both to avoid issues. Contact your bank immediately if you suspect an error.
Q: How soon will funds arrive using these methods?
A: IMPS is usually instant. RTGS is near-instant for high-value transfers. NEFT settles in batches; many banks now offer near-real-time NEFT 24×7. Exact timing can vary by bank and network conditions.
Q: How do I confirm this IFSC before making a transfer?
A: Confirm the IFSC from the bank passbook, bank cheque leaf, or by calling the branch phone number (9297954648) or the bank toll-free number (18001807777). Also verify the branch address and MICR if needed.
Q: What is the difference between IFSC and MICR?
A: IFSC is for electronic transfers and routing (11 characters). MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for processing cheques and clearing within the cheque clearing system. For electronic transfers use IFSC; for cheque processing the MICR may be referenced.
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.