The Bihar Gramin Bank branch at Jogia is located in Aurangabad district of Bihar (Pincode 824101). This branch serves local customers for deposits, withdrawals, and online transfers. For digital fund transfers such as NEFT, RTGS and IMPS, the branch IFSC code is essential. The IFSC routes your payment to the correct bank and branch. Without the correct IFSC, an online transfer can fail or be delayed.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | JOGIA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7104 |
| Branch Address | JOGIA, Aurangabad, 824101, 9771464104 |
| Contact Number | 9771464104 |
| City | Aurangabad |
| District | Aurangabad |
| Reason | AURANGABAD |
| Pincode | 824101 |
| State | Bihar |
Merger Update
This branch now uses the single IFSC code PUNB0MBGB06 under Punjab National Bank. The local rural banks in Bihar (Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank) were merged into a common structure. Old UBGB or DBGB IFSC codes have been revoked. For any NEFT/RTGS/IMPS transaction to this Jogia branch, use only the IFSC PUNB0MBGB06. Transactions attempted with old UBGB/DBGB IFSCs may fail or be rejected.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify a specific bank branch in electronic payments.
- First 4 characters: Bank identifier (example: PUNB = Punjab National Bank).
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier (alphanumeric). In this case MBGB06 points to the Jogia branch under the merged arrangement.
How to Use IFSC Code for NEFT / RTGS / IMPS
- Open your bank’s netbanking portal or mobile app. Choose the fund transfer option (NEFT, RTGS, IMPS).
- Add a new beneficiary. Enter the beneficiary name exactly as per their bank account records.
- Enter the beneficiary account number and the IFSC code PUNB0MBGB06. Optionally enter the branch name (Jogia, Aurangabad) to verify.
- Specify the transfer type (NEFT, RTGS or IMPS) based on speed and limits. Verify any bank-specific limits or cut-off rules before proceeding.
- Confirm the amount and purpose. Review all details carefully. A wrong IFSC can route the payment incorrectly or cause failure.
- Complete authentication (OTP or transaction password) as required by your bank.
- Save the beneficiary after the bank’s verification (some banks require activation or a cooling period).
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch quickly during NEFT, RTGS, or IMPS transfers.
- Reduces failed transfers and returns, saving time and bank charges.
- Required for adding beneficiaries in netbanking and mobile apps.
- Useful for filling cheque transfers, electronic forms, and payroll inputs.
- Helps clarify branch identity after mergers or reorganisation (as with UBGB/DBGB).
Contact
Branch phone no: 9771464104
Branch Address: JOGIA, Aurangabad, 824101
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 for transfers?
A: No. Old UBGB/DBGB IFSC codes have been revoked after consolidation. Use the new code PUNB0MBGB06 for transfers to Jogia branch.
Q: Where can I verify the IFSC before sending money?
A: Verify the IFSC on the beneficiary’s cheque leaf, bank passbook, or by calling the branch at 9771464104. You can also check with your bank’s beneficiary-add screen which normally validates IFSC format.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC is invalid the transfer will usually fail. If the IFSC corresponds to a different branch but the account number exists there, funds may be routed incorrectly. Always double-check account number and IFSC together.
Q: Is IFSC required for inward transfers to this account?
A: Yes. For electronic credits through NEFT, RTGS or IMPS, the sender must provide the correct IFSC and account number to ensure proper routing.
Q: How long do NEFT/RTGS/IMPS transfers take to reach the Jogia branch?
A: IMPS is near-instant. NEFT and RTGS timings vary by bank processing rules and cut-offs. If faster credit is needed, choose RTGS or IMPS and verify your bank’s timelines. Also ensure the beneficiary bank status and IFSC are correct to avoid delays.
Q: What are MICR and Branch Code shown above?
A: The MICR code (800811002) helps with cheque clearance. The Branch Code (7104) is an internal identifier for the branch. These are useful for cheque processing and bank records but IFSC is mandatory for electronic 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.