The Bihar Gramin Bank branch at JITAURA is located in Jitaura village, Bhojpur district, Bihar (PIN 802129). This branch handles retail and rural banking services for local residents and businesses. For electronic fund transfers such as NEFT, RTGS and IMPS, the correct IFSC code is essential. The IFSC uniquely identifies the bank and branch in the payment network and routes funds to the right account without delay.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | JITAURA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7046 |
| Branch Address | JITAURA, Bhojpur, 802129, 9771464046 |
| Contact Number | 9771464046 |
| City | Bhojpur |
| District | Bhojpur |
| Reason | ARA |
| Pincode | 802129 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity that now operates under Punjab National Bank (PNB) systems for electronic payments. The consolidated IFSC used for the merged rural bank branches is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. For all NEFT, RTGS and IMPS transactions you must use PUNB0MBGB06; previous (old) IFSC codes will fail and may delay or return 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 payments. Its structure is standard:
- First 4 characters — bank code (letters). Example: PUNB stands for Punjab National Bank.
- 5th character — always 0 (reserved for future use).
- Last 6 characters — branch code (alphanumeric). Example: MBGB06 identifies the specific branch under the bank.
So PUNB0MBGB06 breaks down as: PUNB (PNB) + 0 + MBGB06 (Jitaura/merged branch code).
How to Use IFSC Code
- Open your bank’s online banking portal or mobile app, or visit a branch for a paper form.
- Choose the transfer type: NEFT, RTGS or IMPS. (RTGS is for high-value real-time gross settlement; IMPS is instant for smaller amounts; NEFT settles in hourly/half-hourly batches depending on the bank schedule.)
- Enter beneficiary details: beneficiary name, account number, bank name (Bihar Gramin Bank / Punjab National Bank after merger), and branch IFSC = PUNB0MBGB06.
- Enter amount and purpose. Verify the IFSC and account number carefully before confirming.
- Authenticate the transaction (OTP, token or signed form) as required by your bank.
- Save transaction reference. For failed transfers due to wrong IFSC, funds either return to sender or are routed for manual correction — this causes delay.
Note on limits and timing: IMPS is immediate 24×7 and typically has per-transaction limits set by your bank. NEFT operates in batches (many banks now provide near real-time outbound processing during business hours). RTGS is for larger-value transfers and usually processes during bank settlement windows; it may have a minimum amount (often Rs. 2 lakh in many banks) — check with your bank for exact thresholds.
Benefits of Knowing the IFSC
- Ensures funds are routed to the exact branch and account without manual intervention.
- Reduces failed or returned transactions caused by incorrect beneficiary details.
- Makes online and mobile banking transfers faster and more reliable.
- Needed for NEFT, RTGS and IMPS — mandatory field for electronic transfers.
- Useful when filling bank mandates, ECS forms and for setting up beneficiaries in digital wallets and payroll systems.
Contact
Branch phone no: 9771464046
Branch address: JITAURA, Bhojpur, 802129
Head office address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: What IFSC should I use to send money to Bihar Gramin Bank JITAURA?
A: Use PUNB0MBGB06 for all NEFT, RTGS and IMPS transfers. This is the current and valid code after the merger.
Q: Can I use the old UBGB or DBGB IFSC code to transfer funds?
A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Transactions using old codes will fail or be returned. Always use PUNB0MBGB06.
Q: Where can I find IFSC on a cheque leaf?
A: The IFSC is commonly printed on the cheque book leaf, usually at the top right or near the MICR line. If not present, confirm with the branch or use the branch details provided above.
Q: What happens if I enter the wrong IFSC but the account number is correct?
A: If the IFSC does not match the account’s bank/branch, the payment may be returned or routed to a different branch incorrectly. Banks typically validate IFSC+account together; mismatches can cause delays and require manual reconciliation.
Q: How long do NEFT, RTGS and IMPS transfers take?
A: IMPS is instant and available 24×7. NEFT settles in scheduled batches (many banks now near real-time during business hours). RTGS is for large-value transfers and processes in real-time during RTGS service hours; some banks enforce minimum amounts for RTGS. Always check your bank’s timing and cut-off rules.
Q: Who do I contact for discrepancies or failed transfers?
A: First contact the sending bank with the transaction reference. You can also call the branch at 9771464046 or the head office/toll-free number at 18001807777 to open an inquiry. Keep transaction references, timestamps and beneficiary details ready.
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.