Bihar Gramin Bank, Janpul Chowk branch serves customers in the East Champaran district of Bihar. The branch is located in Janpul Chowk, Motihari (PIN 845401). For electronic fund transfers such as NEFT, RTGS and IMPS you must use the correct IFSC code. The IFSC uniquely identifies the bank and branch for routing payments and avoiding delays or failed transfers.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Janpul Chowk |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100242 |
| Branch Address | Janpul Chowk, EAST CHAMPARAN, 845401, 9297954651 |
| Contact Number | 9297954651 |
| City | EAST CHAMPARAN |
| District | EAST CHAMPARAN |
| Reason | MOTIHARI |
| Pincode | 845401 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank (PNB). After the merger, both banks now operate under a single IFSC code for this branch: PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. If you try to use an old UBGB/DBGB IFSC code the payment will fail or be delayed. Always use PUNB0MBGB06 for transfers to this branch.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code. It helps electronic routing of funds to a specific bank branch. The structure is fixed:
- First 4 characters = bank code (example: PUNB for Punjab National Bank).
- 5th character = reserved and is always 0.
- Last 6 characters = branch identifier (alphanumeric). In this case: MBGB06.
So PUNB0MBGB06 breaks down as PUNB (PNB) + 0 + MBGB06 (branch code assigned after merger). The branch code shown in bank records (numeric) is separate; here it is 100242 and is used internally by the bank.
How to Use IFSC Code
Follow these steps when you make a fund transfer (NEFT, RTGS, IMPS):
- Open your bank’s payment app or internet banking portal.
- Select transfer type: NEFT, RTGS, or IMPS (choose RTGS for high-value urgent transfers; NEFT for regular batches; IMPS for instant 24×7 small-value transfers).
- Enter beneficiary name and account number exactly as the account holder’s records.
- Enter IFSC: PUNB0MBGB06 for Bihar Gramin Bank, Janpul Chowk branch.
- Enter amount, purpose and any required remarks.
- Validate details. Confirm that MICR (800811002) or branch address matches if your bank asks for verification.
- Authorize the payment with your transaction PIN, OTP or hardware token.
- Save or note the UTR/reference number. Use it to track the transfer if there is an issue.
Benefits of Knowing the IFSC
- Accurate routing: Ensures money reaches the intended branch and account.
- Faster settlement: Correct IFSC reduces rejections and manual reconciliation delays.
- Necessary for online transfers: NEFT, RTGS and IMPS require IFSC to route payments.
- Useful for vendors and payroll: Bulk payments need valid branch IFSCs to process without errors.
- Fraud prevention: Verifying IFSC and branch details lowers the chance of sending funds to a wrong bank.
Contact
Branch phone no: 9297954651
Branch Address: Janpul Chowk, EAST CHAMPARAN, 845401
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use the old UBGB or DBGB IFSC to transfer money?
A: No. Old UBGB and DBGB IFSC codes have been revoked after the merger. Use PUNB0MBGB06 for transfers to this branch.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC does not match the beneficiary bank, the transfer will likely be rejected or returned. If the IFSC points to a different valid branch, the money may go to the wrong branch but still may fail without the correct account number. Always verify IFSC and account number before sending.
Q: Which transfer method should I use for urgent large payments?
A: Use RTGS for high-value and urgent transfers (RTGS settles individually and instantly during business hours). For lower-value instant transfers use IMPS. NEFT works in batch cycles and may take slightly longer.
Q: Where can I verify this IFSC before making a transfer?
A: Verify IFSC on the beneficiary’s cheque leaf, bank passbook, or by calling the branch number (9297954651). Also check bank statements and any official communication from the bank after the merger.
Q: I initiated a transfer and it is delayed. What should I do?
A: Note the transaction UTR. Contact your bank’s customer support or the branch at 9297954651. Provide UTR, amount, date and beneficiary details. If needed, use the head office toll-free 18001807777 for escalation.
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.