The Kamarthu branch of Bihar Gramin Bank is located in Muzaffarpur, Bihar (PIN 842004). This IFSC information is used when sending or receiving electronic fund transfers. For NEFT, RTGS and IMPS you must provide a correct IFSC to route the payment to this branch. A wrong or revoked IFSC can delay or block a transfer, so use the validated code below for smooth transactions.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | Kamarthu |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100140 |
| Branch Address | Kamarthu, MUZAFFARPUR, 842004, 9297947107 |
| Contact Number | 9297947107 |
| City | MUZAFFARPUR |
| District | MUZAFFARPUR |
| Reason | MUZAFFARPUR |
| Pincode | 842004 |
| State | Bihar |
Merger Update
Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into Punjab National Bank (PNB) for retail and rural operations. All former UBGB and DBGB IFSC codes have been revoked. This branch now uses the single PNB-based IFSC PUNB0MBGB06 for NEFT, RTGS and IMPS transactions. Do not use old UBGB or DBGB IFSCs. Transactions should be initiated only with the new IFSC; otherwise they will be rejected or delayed.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code. It identifies a bank and a specific branch for electronic transfers.
- First 4 characters: Bank code. Example: PUNB = Punjab National Bank.
- 5th character: Always 0 (reserved for future use).
- Last 6 characters: Branch identifier. Example: MBGB06 in PUNB0MBGB06 refers to the specific branch code string.
The IFSC is used by NEFT, RTGS and IMPS to route payments to the correct bank branch. It is different from the MICR code, which is used mainly for cheque clearing.
How to Use IFSC Code
- Log in to your bank’s internet banking or mobile app, or visit a branch.
- Select the transfer type: NEFT, RTGS or IMPS. (IMPS is usually instant; RTGS is for larger-value, urgent transfers; NEFT is commonly used for routine transfers.)
- Choose “Add Beneficiary” or “New Payee.” Enter the beneficiary name exactly as in their bank account.
- Enter the beneficiary account number and the IFSC PUNB0MBGB06 for Bihar Gramin Bank, Kamarthu.
- Verify details, confirm with OTP or transaction PIN, and submit the transfer.
- Keep the transaction reference number for tracking. If the bank requests further verification, provide a screenshot of the beneficiary details or the cheque leaf showing the IFSC.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without delay.
- Reduces failed or returned transactions caused by wrong routing codes.
- Makes adding beneficiaries quick and error-free in internet banking and apps.
- Helps reconcile and track electronic receipts and payments.
- Distinguishes between branches when multiple branches share similar names.
Contact
Branch Phone: 9297947107
Branch Address: Kamarthu, MUZAFFARPUR, 842004
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I still use the old UBGB or DBGB IFSC for Kamarthu?
A: No. Old UBGB and DBGB IFSCs have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all electronic transfers.
Q: Where can I find the IFSC on bank documents?
A: The IFSC is printed on cheque leaves and bank passbooks. It is also available on the bank branch details page, account statement, and by calling the branch number listed above.
Q: What is the difference between IFSC and MICR?
A: IFSC routes electronic transfers (NEFT/RTGS/IMPS). MICR (Magnetic Ink Character Recognition) is a 9-digit code used primarily for cheque clearing. Use IFSC for online transfers; MICR is for cheques.
Q: What happens if I enter a wrong IFSC but the correct account number?
A: The account number is the primary identifier. Banks generally validate account number and IFSC together. If the IFSC points to a different bank/branch than the account number, the transaction may be rejected or returned. Always verify both before sending.
Q: How quickly will a transfer to this IFSC reflect?
A: IMPS transfers are typically immediate. NEFT and RTGS timings depend on bank systems and cut-offs. Many banks now process NEFT 24×7, but settlement time can vary. Check with your bank for exact timelines and any value limits for RTGS.
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.