Bihar Gramin Bank Jaiprakash Nagar(Baluahi-Khagaria) IFSC Code

Jaiprakash Nagar (Baluahi) is a branch area in Khagaria district, Bihar (PIN 851204). This branch serves local residents and businesses for deposits, withdrawals and transfers. For electronic fund transfers — NEFT, RTGS and IMPS — the correct IFSC code is essential. The IFSC identifies the bank and branch so payments route to the right account. Using a wrong or obsolete IFSC can delay transfers or cause rejection.

Bihar Gramin Bank Jaiprakash Nagar(Baluahi-Khagaria) IFSC Code

Branch Details

Bank Name	Bihar Gramin Bank
Branch Name	Jaiprakash Nagar(Baluahi-Khagaria)
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3532
Branch Address	Jaiprakash Nagar(Baluahi-Khagaria), Khagaria, 851204, 7061741220
Contact Number	7061741220
City	Khagaria
District	Khagaria
Reason	BEGUSARAI
Pincode	851204
State	Bihar

Merger Update

Important: This branch uses the IFSC code PUNB0MBGB06, which belongs to Punjab National Bank’s consolidated coding after regional rural bank mergers. If this branch was previously part of Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), both entities have been merged into a single structure and now use the single IFSC code PUNB0MBGB06 under Punjab National Bank. Old UBGB/DBGB IFSC codes have been revoked and are not valid for NEFT/RTGS/IMPS. Always use the new IFSC shown by the bank for transfers.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch in India for electronic transfers. The structure is:

• First 4 characters — alphabetic bank identifier (for example, PUNB = Punjab National Bank).
• 5th character — always the digit 0 (reserved for future use).
• Last 6 characters — branch identifier (alphanumeric) that points to the specific branch, for example MBGB06 in PUNB0MBGB06.

The code must match exactly what the bank provides. IFSC is used by NEFT, RTGS and IMPS systems to route funds to the correct branch account.

How to Use IFSC Code

Follow these steps when making electronic transfers:

• Obtain the IFSC from the beneficiary’s bank passbook, cheque leaf or the branch (do not rely on third-party websites unless verified).
• In your netbanking or mobile banking form, select the transfer type (NEFT / RTGS / IMPS) and enter the beneficiary name and account number.
• Enter the IFSC code exactly as provided (example: PUNB0MBGB06). Some forms auto-validate IFSC and display the branch name — confirm it matches the payee branch.
• Enter the transfer amount and purpose. For RTGS choose it when the bank requires a high-value, urgent transfer; NEFT suits most amounts; IMPS is instant and available 24×7 within bank limits.
• Review the beneficiary details displayed after IFSC validation. A mismatch in account number and beneficiary name may need correction with the bank.
• Confirm the transaction and note the transaction reference. If a transfer fails due to incorrect IFSC, funds are usually returned; if credited to a wrong account, resolution will require the originating and destination banks.

Tip: For high-value transfers, call the beneficiary or bank to confirm the IFSC and account number before sending.

Benefits of Knowing the IFSC

• Correct routing: Ensures NEFT/RTGS/IMPS payments reach the right branch and account.
• Faster processing: Electronic transfers route automatically when IFSC is valid, reducing delays.
• Reduced errors: Entering the exact IFSC reduces the chance of failed or misdirected transfers.
• Makes verification simple: Banks can auto-validate IFSC and show branch details before you confirm.
• Essential after mergers: When banks merge, old codes may be revoked; knowing the current IFSC prevents failed transfers.

Contact

Branch phone no: 7061741220

Branch Address: Jaiprakash Nagar(Baluahi-Khagaria), Khagaria, 851204

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free no: 18001807777

FAQs

• Q: Is PUNB0MBGB06 the only valid IFSC for this branch?
  A: Yes. The branch’s valid IFSC is PUNB0MBGB06. If any older UBGB/DBGB IFSC codes were used previously, they have been revoked after the merger and are no longer valid.
• Q: What happens if I enter the wrong IFSC?
  A: If the IFSC is incorrect and does not map to a valid branch, the transfer will likely be rejected and returned to your account. If an incorrect IFSC maps to a different valid branch and account number mistakes align, resolving the transfer will require both banks’ intervention and can take several days.
• Q: Do I need the MICR code for electronic transfers?
  A: No. MICR (800811002) is used for cheque clearing in the banking network, not for NEFT/RTGS/IMPS. For electronic transfers, IFSC is mandatory; MICR may be required for physical cheque processing.
• Q: Can I use this IFSC for UPI payments?
  A: UPI uses virtual payment addresses and bank routing behind the scenes; you do not need to enter IFSC for standard UPI payments. IFSC is required when adding a beneficiary for netbanking/IMPS where branch routing is explicit.
• Q: How can I confirm IFSC is current after a merger?
  A: Confirm with the branch (phone 7061741220) or written documents such as a bank passbook, cheque leaf, or official communication from the bank. Also use the head office contact or toll-free number (18001807777) if in doubt.