The Bihar Gramin Bank branch at Junathi is located in Jehanabad district, Bihar (Pincode: 804426). This branch serves local customers for deposits, withdrawals and inward/outward fund transfers. For electronic transfers—NEFT, RTGS and IMPS—the correct IFSC code is essential to route money to the right branch account. A wrong or outdated IFSC can delay payments, cause failures or require manual reversal.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | JUNATHI |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6976 |
| Branch Address | JUNATHI, Jehanabad, 804426, 7070196976 |
| Contact Number | 7070196976 |
| City | Jehanabad |
| District | Jehanabad |
| Reason | Patna |
| Pincode | 804426 |
| State | Bihar |
Merger Update
The Junathi branch now uses the single IFSC PUNB0MBGB06 under Punjab National Bank (PNB). Previously separate rural banks—Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB)—have been consolidated and now operate under the sponsor bank’s IFSC mapping. Old UBGB or DBGB IFSC codes have been revoked. For all NEFT/RTGS/IMPS transfers, use only PUNB0MBGB06. Using old codes can cause transfer failure or reversal; update saved beneficiaries in your internet/mobile banking and inform frequent payees of the change.
What is an IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic fund transfers between banks in India.
- First 4 characters: Bank code (alphabetic). Example: PUNB = Punjab National Bank.
- 5th character: ‘0’ (reserved for future use).
- Last 6 characters: Branch identifier (alphanumeric). Example: in PUNB0MBGB06, the last six characters identify the Junathi branch.
The IFSC is different from the MICR code. MICR (9 digits) is used for cheque clearing and is printed on cheque leaves. Example: Junathi MICR = 800811002.
How to Use IFSC Code (NEFT / RTGS / IMPS)
- Open your bank’s netbanking or mobile banking app. Choose fund transfer and select the transfer type (NEFT, RTGS, IMPS).
- Enter beneficiary name and exact bank account number.
- Enter the IFSC code: PUNB0MBGB06. Type it exactly—check for letter ‘O’ vs zero.
- Confirm branch details (city/district/pincode) shown by the bank to verify the IFSC maps to Junathi branch.
- Enter amount and purpose. For NEFT/RTGS, select beneficiary type if asked (self/third-party).
- Authenticate the transaction with OTP/MPIN/2FA as required by your bank.
- Save the beneficiary after the first successful transfer if you will pay repeatedly.
- If a transfer fails or shows mismatch, contact your bank immediately and provide transaction reference number.
Notes: NEFT is suited for regular transfers; RTGS is for higher-value payments; IMPS is instant and available 24×7. Check your bank’s rules for transaction limits and schedules.
Benefits of Knowing the IFSC
- Ensures funds go to the correct branch and account every time.
- Speeds up electronic transfers (less chance of manual intervention).
- Prevents failed transfers and the delay of reversals.
- Makes it simple to save beneficiaries in netbanking and mobile apps.
- Helps verify branch identity when reconciling payments or invoices.
Contact
Branch Phone: 7070196976
Branch Address: JUNATHI, Jehanabad, 804426, 7070196976
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: How can I verify that PUNB0MBGB06 is the correct IFSC for Junathi?
A: Check the IFSC on a cheque leaf or passbook from the Junathi branch. Confirm with bank staff or call the branch at 7070196976. When you enter the IFSC in netbanking, the beneficiary name and branch details shown by your bank should match.
Q: What happens if I use an old UBGB or DBGB IFSC code?
A: Old UBGB/DBGB IFSCs are revoked. A transfer using revoked codes will generally fail or be returned to the sender. If funds are debited and not credited, contact your bank immediately with transaction references. They will trace and reverse or redirect as appropriate.
Q: Is IFSC the same as MICR?
A: No. IFSC (11 characters) is for electronic transfers (NEFT/RTGS/IMPS). MICR (9 digits) is for cheque processing by the clearing system. Both can identify a branch, but they serve different systems.
Q: Can the IFSC change after a merger?
A: Yes. After bank mergers or sponsor changes, branches can be assigned a new IFSC under the sponsor bank. That is why Junathi now uses PUNB0MBGB06. Banks publish transition notices; always update saved beneficiaries.
Q: Are there transaction limits for NEFT, RTGS and IMPS?
A: Limits vary by bank. Common patterns: IMPS is typically used for instant transfers up to a bank-set limit (often around Rs. 2 lakh per txn for many banks). NEFT has no fixed minimum and is suited for routine transfers; it is now available 24×7. RTGS is for high-value transfers; banks may apply minimums for RTGS. Always confirm exact limits with your bank before initiating a large transfer.
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.