The Bihar Gramin Bank branch at Tola Bichkorwa is located in Jamui district, Bihar (PIN 811303). This IFSC code is required when you send or receive electronic fund transfers through NEFT, RTGS or IMPS. Entering the correct IFSC ensures the transfer routes to the right bank and branch, reduces delays, and prevents failed or returned transactions.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Tola Bichkorwa |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 3449 |
| Branch Address | Tola Bichkorwa, Jamui, 811303, 8102613762 |
| Contact Number | 8102613762 |
| City | Jamui |
| District | Jamui |
| Reason | JAMUI |
| Pincode | 811303 |
| State | Bihar |
Merger Update
If this branch was previously part of Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note that both banks have been merged for operational consolidation. All legacy UBGB and DBGB IFSC codes have been revoked. Transactions must now use the single IFSC code PUNB0MBGB06, which is under Punjab National Bank for routing. Using any old UBGB/DBGB IFSC will cause failure or return of the transfer.
What is an IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic payments. Its structure is:
- First 4 characters — bank identifier (example: PUNB = Punjab National Bank)
- 5th character — reserved and always 0
- Last 6 characters — branch identifier (alphanumeric) that points to the specific branch
Example: PUNB0MBGB06 → PUNB (bank) + 0 + MBGB06 (branch code portion). This is what you enter when instructing NEFT, RTGS or IMPS transfers.
How to Use IFSC Code for NEFT, RTGS and IMPS
- Open your bank’s internet banking, mobile app, or visit a branch for a transfer.
- Select transfer type: NEFT, RTGS or IMPS. (RTGS is typically used for higher-value, often above ₹2 lakh; IMPS is instant and available 24×7; NEFT is used for general transfers.)
- Choose “Add Beneficiary” or “New Payee” and enter beneficiary name, account number and the IFSC: PUNB0MBGB06.
- Verify beneficiary details and save. Use the saved beneficiary to initiate the transfer.
- Enter amount, purpose (if required), and confirm using your transaction password/OTP/secure credentials.
- Check the transaction receipt for reference number and timestamp. For failed transactions, note the error and contact the sending bank.
- Always triple-check the IFSC and account number before confirming. A wrong IFSC may route to a different branch or cause a failed transfer.
Benefits of Knowing the Correct IFSC
- Ensures funds reach the exact branch and account without delays.
- Prevents returns and additional charges from failed or misrouted transfers.
- Speeds up reconciliation—useful for business payments and payrolls.
- Required for adding beneficiaries in online banking and mobile apps.
- Needed for setting up automatic payments or receiving inward remittances.
Contact
Branch Phone: 8102613762
Branch Address: Tola Bichkorwa, Jamui, 811303
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use the IFSC PUNB0MBGB06 for all electronic transfers to this branch?
A: Yes. Use PUNB0MBGB06 for NEFT, RTGS and IMPS transfers to the Tola Bichkorwa branch. If the beneficiary account was migrated from a former UBGB/DBGB code, only PUNB0MBGB06 is valid now.
Q: Where do I find IFSC on my cheque leaf?
A: The IFSC is printed on the cheque book usually at the top or bottom near the MICR line. If not printed, confirm with the branch or bank statement before sending funds.
Q: What happens if I enter the wrong IFSC but correct account number?
A: If the wrong IFSC corresponds to a different bank or branch, the transfer may be routed incorrectly or rejected. Many systems validate account number and IFSC together; a mismatch often leads to rejection and refund, which can take time. Always confirm both fields.
Q: Are NEFT, RTGS and IMPS available 24×7?
A: IMPS is typically available 24×7 for instant transfers. NEFT and RTGS availability has expanded to extended hours and non-business days in recent years, but exact timings and limits can vary by bank. Check with the sending bank for current cut-offs, charges and limits.
Q: How do I confirm a successful transfer?
A: You will receive a transaction reference number and an SMS from your bank. Confirm with the beneficiary that the amount is credited. If credit does not reflect within the expected timeframe, contact your bank with the reference number.
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.