KARA is a village/branch location in Aurangabad district, Bihar (PIN 824124). This branch of Bihar Gramin Bank handles local deposits, withdrawals and electronic transfers. For sending or receiving money by NEFT, RTGS or IMPS you must use the correct IFSC. The IFSC routes the payment to the exact bank and branch. Using the wrong code delays or reverses transfers.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | KARA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7107 |
| Branch Address | KARA, Aurangabad, 824124, 9771464107 |
| Contact Number | 9771464107 |
| City | Aurangabad |
| District | Aurangabad |
| Reason | AURANGABAD |
| Pincode | 824124 |
| State | Bihar |
Merger Update
Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity under Punjab National Bank’s sponsor arrangement. As part of that consolidation, all old UBGB and DBGB IFSC codes have been revoked. The valid IFSC for this branch now is PUNB0MBGB06 (under Punjab National Bank). Use only this IFSC for NEFT, RTGS and IMPS. Transactions attempted with old UBGB/DBGB IFSCs will be rejected or returned.
What is IFSC Code?
The IFSC (Indian Financial System Code) is an 11-character code used to identify bank branches for electronic transfers. The format is:
- First 4 characters – bank code (letters). Example: PUNB = Punjab National Bank.
- 5th character – reserved and is 0.
- Last 6 characters – branch identifier (alphanumeric). Example: MBGB06 in PUNB0MBGB06.
So for PUNB0MBGB06: PUNB (bank) + 0 (reserved) + MBGB06 (branch code).
How to Use IFSC Code
Follow these steps when making NEFT, RTGS or IMPS transfers to the KARA branch.
- Open your bank’s internet banking, mobile app or visit a branch.
- Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant; RTGS is for high-value transfers; NEFT has no minimum.)
- Add a beneficiary. Enter beneficiary name, account number and IFSC = PUNB0MBGB06.
- Enter the amount, purpose/remarks and verify details carefully.
- Confirm the transfer and complete authentication (OTP or token).
- Save the beneficiary and transaction reference for tracking.
Notes:
- RTGS usually has a minimum limit (commonly ₹2,00,000) and is used for large, real-time transfers. Check your bank for exact limits and charges.
- IMPS is available 24×7 for immediate transfers. NEFT is also available around the clock with near-instant settlement in many cases, but banks may apply internal cut-offs—confirm with your bank if timing is critical.
- If the branch has been renamed or merged, make sure to use the new IFSC. For KARA, use PUNB0MBGB06.
Benefits of Knowing the IFSC
- Ensures funds reach the exact branch and account without manual routing.
- Reduces failed transfers and processing delays.
- Required for adding beneficiaries in net banking and mobile apps.
- Helps customer service diagnose transfer issues (you can provide the IFSC in support calls).
- Makes bulk payments and payroll automation reliable when using correct branch codes.
Contact
Branch Phone: 9771464107
Branch Address: KARA, Aurangabad, 824124
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free: 18001807777
FAQs
Q: Can I use the old UBGB IFSC to send 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 the wrong IFSC?
A: If the IFSC does not match the account’s bank/branch, the transfer will likely fail or be returned. In some cases the bank may route by account number and still credit the account, but that is not guaranteed. Always verify account number and IFSC.
Q: How do I verify this IFSC before transferring?
A: Check the branch passbook, official bank communications, or call the branch phone 9771464107 or toll-free 18001807777. Confirm the IFSC is PUNB0MBGB06.
Q: Is there a minimum or maximum transfer amount for NEFT, RTGS, IMPS?
A: NEFT has no minimum. RTGS commonly has a minimum (often around ₹2,00,000) for high-value instant settlement. IMPS limits are set by banks (commonly up to ₹5,00,000). Check with your bank for exact limits and charges.
Q: The transfer is pending. What should I do?
A: Note the transaction reference from your bank. Contact your bank’s helpdesk or the branch at 9771464107 and provide the reference, beneficiary account number and IFSC (PUNB0MBGB06). They can trace and advise on status or reversal.
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.