Jaitpur branch of Bihar Gramin Bank is located in Jaitpur village, Kaimur (Bhabua) district, Bihar — PIN 821102. The branch phone number is 9771464360. For electronic fund transfers (NEFT, RTGS, IMPS), the IFSC code is essential. It tells the sending bank exactly which bank and branch should receive the funds, so entering the correct IFSC prevents delays, failed transfers, or routing to the wrong branch.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | JAITPUR |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7360 |
| Branch Address | JAITPUR, Kaimur (Bhabua), 821102, 9771464360 |
| Contact Number | 9771464360 |
| City | Kaimur (Bhabua) |
| District | Kaimur (Bhabua) |
| Reason | BHABHUA |
| Pincode | 821102 |
| State | Bihar |
Merger Update
Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank (PNB) systems. The combined branches now use a single IFSC code: PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For all NEFT, RTGS and IMPS transfers to these merged branches, use only the new IFSC PUNB0MBGB06. Transactions attempted with the old IFSC codes may fail or be returned.
What is an IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify a specific bank branch in electronic fund transfers. The structure is:
- First 4 characters — bank identifier (letters). Example: PUNB = Punjab National Bank.
- 5th character — reserved and is always 0 (zero).
- Last 6 characters — branch identifier (alphanumeric), which points to the exact branch for routing. Example: in PUNB0MBGB06, the last six characters are MBGB06.
Separately, banks may maintain an internal numeric branch code (for example 7360 for this branch). That internal branch code is not the same as the IFSC last six characters although both identify the branch within the bank’s systems.
How to Use IFSC Code for NEFT, RTGS and IMPS
- Open your bank’s internet banking, mobile app, or visit the branch counter and choose the transfer type (NEFT, RTGS, IMPS).
- Add a beneficiary: enter beneficiary name, bank account number, and the IFSC PUNB0MBGB06. Also enter branch name if requested (JAITPUR).
- Verify the beneficiary details carefully. Ensure account number and IFSC match the payee’s bank details exactly.
- Choose transfer amount and enter purpose or remarks if required.
- Authorize the transfer using OTP, net banking password, UPI PIN or physical signature as your bank requires.
- Keep the transaction reference number and confirmation screenshot. Check the beneficiary account after the expected settlement window.
Notes:
- NEFT, RTGS and IMPS are available round-the-clock in India. Your bank may show applicable charges and limits in the payment screen.
- RTGS is typically used for higher-value immediate transfers; IMPS is instant and used for immediate small-to-medium transfers; NEFT is for any value and now operates 24×7.
Benefits of Knowing the IFSC
- Ensures funds reach the correct bank branch without delay.
- Required field for all electronic fund transfers (NEFT, RTGS, IMPS).
- Helps verify beneficiary details when adding payees in internet banking or mobile apps.
- Reduces risk of returns or misrouting of payments caused by wrong branch selection.
- Useful when completing cheque clearing, inward remittances, or reconciliation tasks.
Contact
Branch phone: 9771464360
Branch address: JAITPUR, Kaimur (Bhabua), 821102
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Can I use an old UBGB or DBGB IFSC to transfer money to this branch?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use only the consolidated IFSC PUNB0MBGB06 for transactions to this branch.
Q: What is the difference between IFSC and MICR?
A: IFSC (11 characters) routes electronic transfers (NEFT/RTGS/IMPS). MICR (usually 9 digits, here 800811002) is used for cheque clearing through the MICR processing system. They serve different clearing channels.
Q: What happens if I enter the wrong IFSC but the correct account number?
A: Systems primarily use the IFSC to route the payment to the right branch. If the incorrect IFSC corresponds to a different branch that has the same account number format, the transfer could go to the wrong branch or fail. If there’s a mismatch, the transaction may be returned. Contact your bank immediately if you suspect an error.
Q: Is the branch code 7360 the same as the IFSC last six characters?
A: Not necessarily. The IFSC last six characters (for example MBGB06) identify the branch in the electronic routing system. The numeric branch code 7360 is an internal identifier used by the bank and may differ from the IFSC suffix.
Q: Are NEFT and RTGS available 24×7?
A: Yes. NEFT and RTGS now operate 24×7 in India. IMPS has been 24×7 and provides instant transfers. Your bank’s app will show available options, limits and any charges before you confirm the payment.
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.