The Bihar Gramin Bank Karnpura branch is located in Karnpura village, Siwan district, Bihar (PIN 841506). Its IFSC code is necessary for electronic transfers. You need the correct IFSC when sending money via NEFT, RTGS or IMPS so funds reach the exact branch and account without delay or reversal.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | Karnpura |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 100637 |
| Branch Address | Karnpura, SIWAN, 841506, 9297954471 |
| Contact Number | 9297954471 |
| City | SIWAN |
| District | SIWAN |
| Reason | SIWAN |
| Pincode | 841506 |
| State | Bihar |
Merger Update
Important: The IFSC PUNB0MBGB06 now operates under Punjab National Bank. Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were merged and their branches now use the single IFSC code PUNB0MBGB06 under Punjab National Bank. Old UBGB IFSC codes have been revoked. For any electronic transfer to this branch, use only the new IFSC PUNB0MBGB06. Transactions attempted with old UBGB IFSC codes may fail or be returned.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments. Its structure is fixed:
- First 4 characters – bank identifier (example: PUNB for Punjab National Bank).
- 5th character – always the digit 0 (reserved for future use).
- Last 6 characters – branch identifier (unique to the branch).
Example: PUNB0MBGB06 breaks down as PUNB (bank) + 0 + MBGB06 (branch code).
How to Use IFSC Code (NEFT, RTGS, IMPS)
Follow these steps when you make an electronic transfer from netbanking or mobile banking:
- Choose the transfer type: NEFT, RTGS or IMPS. (RTGS is for high-value transfers; banks may set a minimum, often around ₹2,00,000.)
- Add a new beneficiary. Enter beneficiary name and account number exactly as given.
- Enter the IFSC: PUNB0MBGB06. Double-check spelling and character case.
- Save the beneficiary. You may need to wait for beneficiary activation (OTP or cooling period as per bank policy).
- Initiate the transfer: select beneficiary, choose amount, add remarks if needed, and confirm.
- Authorize the transaction using OTP, mPIN, or token as required by your bank.
- Note the transaction reference number for future tracking. For failed transfers, contact the sending bank with this reference.
Tips: NEFT and RTGS are available 24×7. IMPS is instant and typically used for small urgent payments. Always confirm beneficiary details before confirming the transfer.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without delay.
- Prevents failed transactions and reversals due to wrong routing codes.
- Required for adding beneficiaries in netbanking and mobile apps.
- Makes reconciliation easier for businesses and accountants.
- Speeds up inward remittances and vendor payments.
Contact
Branch phone no: 9297954471
Branch Address: Karnpura, SIWAN, 841506, Bihar
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use the old UBGB IFSC code to transfer money?
A: No. Old UBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all transactions to this branch.
Q: What happens if I enter a wrong IFSC but correct account number?
A: If the IFSC points to a different bank/branch, the transfer may fail or be routed to the wrong branch. Banks usually validate IFSC with account details; mismatches can cause delays or reversals. Contact your bank immediately with the transaction reference.
Q: Which transfer method should I use for urgent small payments?
A: Use IMPS for instant small-value transfers. NEFT is reliable for non-urgent transfers. RTGS is best for large-value transfers; check your bank’s RTGS minimum and charges.
Q: Where can I find the MICR code and what is it for?
A: The MICR code for this branch is 800811002. MICR is used mainly for cheque processing and clearing through the banking clearing system. It is not needed for electronic transfers like NEFT/RTGS/IMPS.
Q: How long does a NEFT transfer to this branch take?
A: NEFT is processed in near-real-time 24×7 by banks now. In most cases funds are credited within minutes to a few hours. If the transfer fails, the amount is usually returned to the sender’s account within 1–3 working days, depending on the bank.
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.