Bihar Gramin Bank Karja IFSC Code

The Bihar Gramin Bank branch at Karja is located in Karja, Muzaffarpur district, Bihar (PIN 844122). This IFSC details page helps you find the precise code used for electronic fund transfers. An accurate IFSC is essential for NEFT, RTGS and IMPS transfers. Using the correct code prevents delays, failed transactions, or funds being credited to the wrong branch.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Karja
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	100011
Branch Address	Karja, MUZAFFARPUR, 844122, 9297955362
Contact Number	9297955362
City	MUZAFFARPUR
District	MUZAFFARPUR
Reason	MUZAFFARPUR
Pincode	844122
State	Bihar

Merger Update

Note: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged under Punjab National Bank. The combined operations now use the single IFSC PUNB0MBGB06 (belongs to Punjab National Bank). Old UBGB or DBGB IFSC codes have been revoked. For all NEFT, RTGS and IMPS transfers, use only the new IFSC PUNB0MBGB06. Transactions attempted with revoked/old IFSCs may fail or be returned.

What is IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic transfers. The structure is:

• First 4 characters – Bank identifier (example: PUNB = Punjab National Bank).
• 5th character – Reserved and is 0 (zero) by RBI convention.
• Last 6 characters – Branch identifier (example: MBGB06 in PUNB0MBGB06).

So PUNB0MBGB06 breaks down as PUNB | 0 | MBGB06. The last six identify the Karja branch under the merged setup.

How to Use IFSC Code

• Open your bank’s netbanking or mobile app. Go to the fund transfer section.
• Select the transfer type: NEFT, RTGS or IMPS. (IMPS and NEFT are available 24×7; RTGS is generally available 24×7 for banks that support it.)
• Choose “Add Beneficiary” or “Add Payee.” Enter beneficiary name, account number and the IFSC PUNB0MBGB06. Enter any required details like branch name and account type.
• Verify the beneficiary details. Banks often require an OTP or activation period before you can send funds to a newly added beneficiary.
• Initiate the transfer. For RTGS check minimum amount requirements (typically ₹2,00,000). NEFT has no minimum. IMPS supports instant low-value transfers up to the user/bank limit.
• Record the transaction reference/UTR provided by the bank. Use it to track or to raise queries if needed.

Benefits of Knowing the IFSC

• Ensures funds reach the correct branch quickly during NEFT, RTGS or IMPS transfers.
• Prevents delays and returns caused by incorrect or incomplete details.
• Makes it easy to add beneficiaries in banking apps and streamline repeat payments.
• Required for online invoices, salary credits, refunds and vendor payments.
• Useful for reconciliation: UTR + correct IFSC helps trace any disputed transfer.

Contact

Branch phone: 9297955362

Branch Address: Karja, MUZAFFARPUR, 844122

Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR

Toll free: 18001807777

FAQs

Q: Is PUNB0MBGB06 case-sensitive?
A: No. IFSC codes are not case-sensitive. You can enter letters in upper or lower case. However, use the exact 11-character code to avoid errors.

Q: I have an old UBGB IFSC for this branch. Can I still use it?
A: No. Old UBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all electronic transfers.

Q: What happens if I enter a wrong IFSC but correct account number?
A: Most banks route transfers using the IFSC and account number together. A wrong IFSC can send funds to a different branch, cause the transfer to fail, or trigger a return. Always verify both IFSC and account number before confirming.

Q: Which transfer method should I use for immediate credit?
A: Use IMPS for immediate transfers at any time for small to medium amounts. RTGS provides instant settlement for high-value payments (typically ₹2,00,000 and above). NEFT is reliable for most payments and operates on a 24×7 basis in most banks.

Q: How can I verify this IFSC before transferring?
A: Verify IFSC on your beneficiary’s cheque book, bank passbook or by calling the branch phone (9297955362). You can also confirm the head office or bank statement. Do not rely on social media posts; use official bank documents or direct branch confirmation.