Jhapaha is a village/town in the Muzaffarpur district of Bihar (PIN 843141). The Bihar Gramin Bank branch at Jhapaha serves local customers for deposits, withdrawals and electronic transfers. For NEFT, RTGS and IMPS transfers you must supply the correct IFSC code. The IFSC routes your electronic payment to the right bank and branch, reducing delays and failed transactions.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Jhapaha |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100082 |
| Branch Address | Jhapaha, MUZAFFARPUR, 843141, 9297955359 |
| Contact Number | 9297955359 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 843141 |
| State | Bihar |
Merger Update
Important: The Bihar Gramin Bank network includes branches that were earlier part of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Both UBGB and DBGB have been merged into a single sponsored entity and now operate under the IFSC PUNB0MBGB06 issued under Punjab National Bank. Old UBGB/DBGB IFSC codes have been revoked. For all NEFT/RTGS/IMPS transactions you must use the new IFSC PUNB0MBGB06; legacy IFSCs will not route payments.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic transfers. Structure:
- Characters 1–4: Bank code (alphabetic). Example: PUNB indicates Punjab National Bank as the sponsor bank.
- Character 5: Reserved and normally 0.
- Characters 6–11: Branch identifier (alphanumeric). Example: MBGB06 identifies the specific branch in the sponsor bank system.
How to Use IFSC Code
Steps to transfer funds using NEFT, RTGS or IMPS:
- Choose the transfer channel in your bank app or internet banking (NEFT, RTGS, IMPS).
- Select “Add Beneficiary” (or “New Payee”).
- Enter beneficiary name, account number and the IFSC: PUNB0MBGB06. Double-check spelling and digits.
- Save beneficiary and complete any required validation (OTP or bank approval).
- Initiate the transfer: enter amount, purpose, and select the saved beneficiary.
- Confirm transaction details and authenticate (OTP, UPI PIN, or netbanking password).
- Track transaction status in your bank app. IMPS is immediate. NEFT and RTGS settlement times depend on the channel and bank cut-offs; both are generally available 24×7 now but confirm with your bank.
Notes on amounts and use:
- NEFT: suitable for routine transfers; no specific minimum amount.
- RTGS: used for high-value transfers and often preferred for urgent large payments—banks may recommend it for amounts around or above ₹2 lakh; confirm limits with your bank.
- IMPS: instant, 24×7 availability; individual transaction limits are set by banks.
Benefits of Knowing the IFSC
- Ensures funds route to the exact branch and reduces failed transactions.
- Required to add beneficiaries for NEFT, RTGS and IMPS transfers.
- Helps customer service verify branch details quickly (micr, branch code).
- Makes reconciliation easier for businesses and individuals receiving payments.
- Necessary when filling bank forms, online bill payments and loan disbursals.
Contact
Branch phone: 9297955359
Branch address: Jhapaha, MUZAFFARPUR, 843141
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is PUNB0MBGB06 the correct IFSC to use for Jhapaha branch transfers?
Yes. The valid IFSC for the Bihar Gramin Bank Jhapaha branch is PUNB0MBGB06. Use this for NEFT, RTGS and IMPS.
Q: What happens if I enter a wrong IFSC?
If the IFSC does not match the account and bank mapping, the transaction may fail or be returned. In some cases it could be routed to a wrong branch causing delays. Always confirm IFSC and account number before sending funds.
Q: My beneficiary was listed with an old UBGB IFSC. Do I need to update it?
Yes. Old UBGB/DBGB IFSCs have been revoked after the merger. Update the beneficiary to use PUNB0MBGB06 to ensure successful transfers.
Q: How can I verify this IFSC before transferring?
Verify by checking an official bank statement, visiting the branch, calling the branch number (9297955359) or using your bank’s beneficiary validation (most banks validate IFSC automatically when you add a payee).
Q: What is the difference between IFSC and MICR?
IFSC is used for electronic funds transfer routing (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for cheque processing and clearing. For electronic transfers use IFSC; for cheque clearing check the MICR.
Q: Are NEFT/RTGS/IMPS available 24×7 for this branch?
IMPS is available 24×7. NEFT and RTGS are generally available round-the-clock as per RBI guidelines, but bank-specific cut-offs, authorizations and limits may apply. Confirm with the branch if you have time-sensitive or high-value transfers.
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.