Bihar Gramin Bank, Panapur Kariyat branch is located in Panapur Kariyat, Muzaffarpur, Bihar — PIN 842001. This branch serves retail and rural customers in the Muzaffarpur area. For electronic fund transfers such as NEFT, RTGS and IMPS, the IFSC code is essential. It tells the payment system which bank and branch should receive the money. Using the correct IFSC prevents delays, failed transfers, and routing errors.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Panapur Kariyat |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100106 |
| Branch Address | Panapur Kariyat, MUZAFFARPUR, 842001, 9297955395 |
| Contact Number | 9297955395 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 842001 |
| State | Bihar |
Merger Update
If this branch was earlier operating under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note that both banks were consolidated into the Punjab National Bank (PNB) system for IFSC routing. The single IFSC code now used for these merged regional gramin branches is PUNB0MBGB06. Old UBGB IFSC codes have been revoked. For all NEFT/RTGS/IMPS transfers, use only the new IFSC PUNB0MBGB06. If you have any doubt, confirm the code with the branch before initiating a transfer.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches in electronic payments. The structure is fixed:
- First 4 characters = Bank identifier (example: PUNB for Punjab National Bank).
- 5th character = Reserved and is always 0.
- Last 6 characters = Branch identifier (example: MBGB06).
Example using this branch: PUNB 0 MBGB06 where PUNB = bank, 0 = reserved, MBGB06 = branch code portion.
How to Use IFSC Code
- Open your bank’s netbanking or mobile app, or visit the branch for offline transfer.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is immediate. RTGS is for high-value instant transfers during RTGS hours. NEFT settles in batches.)
- Add a new beneficiary: enter beneficiary name, account number and the IFSC PUNB0MBGB06 exactly as shown.
- Verify the beneficiary details shown by the system (bank name and branch) before confirming.
- Enter the amount and purpose. Confirm and authorize the transfer with OTP or transaction PIN.
- Keep the transaction reference for future tracking. If it fails, contact your bank and the beneficiary branch.
Note: Always confirm the IFSC and account number. An incorrect IFSC or account number can cause delays or failed transactions.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without delay.
- Required for adding beneficiaries for NEFT, RTGS, and IMPS.
- Helps verify branch identity when you receive payment instructions.
- Speeds up troubleshooting when a transfer fails or is returned.
- Makes it safe to set up automated or regular transfers.
Contact
Branch phone no: 9297955395
Branch Address: Panapur Kariyat, MUZAFFARPUR, 842001
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Is the IFSC case-sensitive?
A: No. Banks and payment systems treat IFSC codes in a case-insensitive way. Still, enter the code exactly as provided to avoid mistakes.
Q: How can I verify that PUNB0MBGB06 is correct for Panapur Kariyat?
A: Verify on the branch passbook, cheque leaf, or by calling the branch at 9297955395. You can also confirm through your bank’s beneficiary addition screen which usually displays the branch name once you enter the IFSC.
Q: What happens if I enter the wrong IFSC?
A: If the IFSC does not match any branch, the transfer will typically fail. If the IFSC points to another valid branch but the account number does not exist there, the transfer may be returned. If the account number exists at the routed branch, funds may be credited—so verify both account number and IFSC. If a mistake occurs, contact your bank immediately.
Q: Can I transfer money using only the bank name?
A: No. Electronic transfers require the account number and IFSC (or MMID/VPA for some services). Bank name alone is not sufficient to route the payment.
Q: Are old UBGB IFSC codes still valid?
A: No. Old UBGB IFSC codes have been revoked after consolidation. Use the single new IFSC PUNB0MBGB06 for transactions related to merged rural branches. If you are unsure about a specific code, confirm with the branch before transferring funds.
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.