Bihar Gramin Bank KARAMNASHA IFSC Code

The Bihar Gramin Bank branch at Karamnasha serves the Kaimur (Bhabua) area in Bihar (PIN 821105). For any online fund transfer to or from this branch you must use the correct IFSC code. The IFSC is required by NEFT, RTGS and IMPS systems to route payments to the exact bank and branch. Using an incorrect IFSC can delay a payment or cause it to fail.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	KARAMNASHA
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	7363
Branch Address	KARAMNASHA, Kaimur (Bhabua), 821105, 9771464363
Contact Number	9771464363
City	Kaimur (Bhabua)
District	Kaimur (Bhabua)
Reason	BHABHUA
Pincode	821105
State	Bihar

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged into a single entity operating under Punjab National Bank’s sponsored structure. All operations now use the IFSC PUNB0MBGB06. Any old UBGB or DBGB IFSC codes have been revoked. For NEFT, RTGS or IMPS transfers you must use the new IFSC PUNB0MBGB06. Transactions attempted with old IFSC codes will be rejected or delayed. If you are unsure, confirm the IFSC with the branch before initiating large transfers.

What is IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to uniquely identify a bank branch in electronic payments.

• First 4 characters: Alphabetic bank code (example: PUNB = Punjab National Bank).
• 5th character: Always 0 (reserved for future use).
• Last 6 characters: Branch identifier (example: MBGB06 for this branch, making full IFSC PUNB0MBGB06).

How to Use IFSC Code (NEFT / RTGS / IMPS)

• Open your bank’s netbanking or mobile banking app, or use the branch counter.
• Choose the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT and RTGS rules/availability depend on your bank.)
• Add a beneficiary by entering the beneficiary name exactly as in their bank account, the account number, and the IFSC PUNB0MBGB06.
• Verify the details on screen. Confirm the IFSC and account number match the beneficiary’s bank document or passbook.
• Enter amount and purpose. Authorise the payment using OTP, token, or netbanking credentials as required.
• Note the transaction reference or UTR. Keep it until the beneficiary confirms receipt.
• If a payment fails or is delayed, contact your bank with the UTR and beneficiary details for trace and reversal.

Benefits of Knowing the Correct IFSC

• Ensures funds route to the exact branch and account without delay.
• Reduces failed or returned transactions and related follow-up work.
• Required for adding beneficiaries in netbanking and apps.
• Helps customer service locate transfers quickly using IFSC + UTR.
• Prevents fraud by verifying the intended receiving branch before transfer.

Contact

Branch Phone: 9771464363

Branch Address: KARAMNASHA, Kaimur (Bhabua), 821105

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

Toll Free: 18001807777

FAQs

• Q: Can I use the old UBGB or DBGB IFSC for transfers?
  A: No. Old UBGB/DBGB IFSC codes have been revoked. Use the new IFSC PUNB0MBGB06 for all electronic transfers.
• Q: What if I enter the wrong IFSC but correct account number?
  A: The IFSC routes the payment to a specific branch. If IFSC and account number do not match, the transaction may fail or be returned. In some cases, if both fields correspond to an existing account, funds could be misdirected. Contact your bank immediately with the UTR to trace and recover funds.
• Q: How can I verify the IFSC before making a large transfer?
  A: Verify the IFSC from the beneficiary’s passbook, bank cheque leaf, or by calling the branch at 9771464363. For extra safety, confirm via the branch’s official phone or ask the beneficiary to provide a bank statement copy showing the IFSC.
• Q: Does IFSC change after a bank merger?
  A: Yes. After mergers banks sometimes issue new IFSCs under the sponsor bank. In this case, UBGB/DBGB branches now use the PNB-form IFSC PUNB0MBGB06. Old codes have been revoked.
• Q: What is MICR and how is it different from IFSC?
  A: MICR (Magnetic Ink Character Recognition) is a 9-digit code used mainly for processing cheques at clearing houses. IFSC is used for electronic fund transfers. For electronic transfers always use IFSC; for cheque clearing MICR is used by banks.