Charpokhari is a rural branch location in Bhojpur district, Bihar (PIN 802223). This branch serves local residents and businesses for deposits, withdrawals, remittances and other banking needs. For electronic fund transfers like NEFT, RTGS and IMPS you must use the correct IFSC code. The IFSC ensures the payment routes to the right bank and branch and is required when you add or make a beneficiary payment from netbanking or mobile banking.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | CHARPOKHARI |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7025 |
| Branch Address | CHARPOKHARI, Bhojpur, 802223, 9771464025 |
| Contact Number | 9771464025 |
| City | Bhojpur |
| District | Bhojpur |
| Reason | ARA |
| Pincode | 802223 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank operations for remittances. All branch IFSCs that previously belonged to UBGB or DBGB have been revoked. The single, valid IFSC to use now for affected branches is PUNB0MBGB06 under Punjab National Bank. Do not use old UBGB or DBGB IFSC codes for transfers; they will be rejected or delay processing.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to route electronic payments to the correct bank branch. The structure is:
- First 4 characters = Bank identifier (example: PUNB = Punjab National Bank).
- 5th character = Reserved and always 0.
- Last 6 characters = Branch identifier (alphanumeric). Example: in PUNB0MBGB06, MBGB06 identifies the branch within the bank.
MICR (Magnetic Ink Character Recognition) code, shown here as 800811002, is different. MICR helps speed cheque clearing and is printed on cheques; it is not used for electronic IMPS/NEFT/RTGS routing.
How to Use IFSC Code
- Open your bank’s netbanking or mobile banking app and go to “Add Beneficiary” or “Pay / Transfer”.
- Enter beneficiary name, account number and the IFSC exactly as PUNB0MBGB06. Do not add spaces.
- Select transfer type: NEFT, RTGS or IMPS depending on urgency and amount. IMPS is instant; RTGS is for real-time large-value transfers; NEFT is also electronic settlement (check your bank for cut‑offs or availability).
- Confirm beneficiary details and save. Many banks make a small test or require an activation period before you can transfer large sums—follow the bank’s confirmation steps.
- When you initiate a transfer, note the transaction reference or UTR and keep the confirmation until funds are credited.
- If the bank asks for branch address, use: CHARPOKHARI, Bhojpur, 802223 and contact number 9771464025.
Practical checks: always compare the IFSC on the beneficiary’s passbook, cheque leaf or the bank’s official statement. If the IFSC does not match, call the beneficiary’s branch before sending money.
Benefits of Knowing the IFSC
- Ensures funds route to the correct bank branch and reduces failed transfers.
- Saves time: accurate entries avoid returns and manual interventions.
- Needed to add beneficiaries in netbanking and mobile apps.
- Helps customer service identify the receiving branch quickly using the IFSC or UTR.
- Enables instant transfers via IMPS and smooth NEFT/RTGS processing when entered correctly.
Contact
Branch Phone No: 9771464025
Branch Address: CHARPOKHARI, Bhojpur, 802223
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 IFSCs have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for transactions.
Q: What happens if I enter a wrong IFSC but correct account number?
A: If the IFSC does not match the account details, the transfer may be rejected and returned to your account, or it could take longer because the receiving bank must manually verify details. Contact your bank immediately with the UTR/reference number to expedite resolution.
Q: Is IFSC case-sensitive?
A: No. IFSC is not case-sensitive, but enter it carefully without extra spaces. Most systems accept uppercase or lowercase but prefer the standard uppercase format.
Q: Where can I reliably find the IFSC?
A: Check the branch passbook, cheque leaf, bank branch noticeboard, or official bank statements. You can also confirm by calling the branch phone number 9771464025 or the head office/toll-free.
Q: Does MICR replace IFSC for electronic transfers?
A: No. MICR (800811002) is used for cheque clearing. IFSC (PUNB0MBGB06) is required for electronic transfers (NEFT/RTGS/IMPS).
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.