Bihar Gramin Bank Jhajha IFSC Code

The Bihar Gramin Bank branch at Jhajha is located in Jamui district of Bihar (Pincode 811308). This branch handles local retail and agriculture banking needs for Jhajha town and nearby villages. For electronic fund transfers—NEFT, RTGS and IMPS—the branch uses a specific IFSC code. The IFSC is required to route payments correctly between banks. Using the correct IFSC ensures funds reach the Jhajha account without delay or reversal.

Branch Details

Merger update

The Jhajha branch now operates under a unified IFSC following recent RRB consolidations. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged and their operations were brought under Punjab National Bank for electronic transfers. The consolidated IFSC for these merged entities is PUNB0MBGB06. Old UBGB IFSC codes have been revoked. For any NEFT, RTGS or IMPS transaction to Jhajha, use only the new IFSC PUNB0MBGB06. If you have an older UBGB code saved, delete it and update the beneficiary with the new PUNB0MBGB06 before sending funds.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in India for electronic payments. Its structure is standard:

• First four characters – bank code. Example: PUNB = Punjab National Bank.
• Fifth character – reserved and is always 0 (zero).
• Last six characters – branch identifier. Example: MBGB06 identifies the specific branch unit under the bank.

So in PUNB0MBGB06, PUNB = bank, 0 = reserved digit, MBGB06 = branch code used to route the transaction to Jhajha.

How to use IFSC code for NEFT, RTGS, IMPS

• Open your bank’s net-banking app or mobile banking app.
• Choose the transfer type: NEFT, RTGS or IMPS. (NEFT and IMPS have no high minimums; RTGS is for higher-value payments—confirm your bank’s RTGS threshold, commonly ₹2,00,000.)
• Select “Add Beneficiary” (if not already added).
• Enter beneficiary name exactly as on the account, account number, bank name (Bihar Gramin Bank / Punjab National Bank routing), and the IFSC PUNB0MBGB06.
• Verify the MICR (800811002) and branch details if your bank asks for more confirmation.
• Save beneficiary and complete any OTP or in-app authorization required by your bank.
• Initiate the transfer and note the transaction reference. For large or urgent payments, confirm with the beneficiary by phone that funds were received.

Benefits of knowing the IFSC

• Accurate routing: Ensures funds are routed to the correct branch and account.
• Saves time: Avoids delays from returned or blocked transfers due to wrong branch codes.
• Required for all electronic transfers: NEFT, RTGS, IMPS and many bill-pay services require IFSC.
• Helps verification: You can cross-check branch details (city, MICR, address) before sending money.
• Useful for online banking setup: Required when adding beneficiaries or receiving inward credits like salary or refunds.

Contact

Branch phone no: 8102918618 / 70611027

Branch Address: Jhajha, Jamui, 811308

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

Toll free no: 18001807777

FAQs

• Q: Can I use an old UBGB IFSC for transfers to Jhajha?

  A: No. Old UBGB IFSC codes have been revoked after the merger. Use only PUNB0MBGB06 for transfers to the Jhajha branch.

• Q: Where can I verify the IFSC before sending money?

  A: Verify the IFSC on your beneficiary’s cancelled cheque leaf or passbook. You can also confirm by calling the branch numbers listed above. If unsure, contact the bank’s toll-free number.

• Q: What happens if I enter the wrong IFSC?

  A: If the account number matches a different branch, the funds will go to that account and recovery requires the beneficiary bank’s cooperation. If IFSC and account number do not match any valid combination, funds may be returned. Contact your bank immediately for a trace.

• Q: Are NEFT and IMPS available 24×7 for this branch?

  A: NEFT and IMPS are generally available round-the-clock for most banks. RTGS is also available 24×7 in India, but check with the bank for any cut-off or service-specific conditions. For exact hours or any branch-specific limits, call the branch.

• Q: What is the difference between IFSC and MICR?

  A: IFSC identifies a bank branch for electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) code is used by the clearing system to speed up cheque processing. For Jhajha, the MICR is 800811002.

Kriti Kumari

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.