Bihar Gramin Bank Karian IFSC Code

You’re looking to understand the Indian Financial System Code (IFSC) for the Bihar Gramin Bank’s Karian branch. This specific code is vital for any electronic money transfers within India, ensuring your funds reach the correct recipient bank and branch. Located in Karian, Samastipur district, Bihar, this branch, like all others, relies on its unique IFSC code for transactions such as National Electronic Funds Transfer (NEFT), Real-Time Gross Settlement (RTGS), and Immediate Payment Service (IMPS). Knowing this code is the first step to making smooth and secure digital payments.

Branch Details Table

Bank Name	Bihar Gramin Bank
Branch Name	Karian
IFSC Code	PUNB0MBGB06
MICR Code	800811002
Branch Code	3907
Branch Address	Karian, Samastipur, 848117, 9955997868
Contact Number	9955997868
City	Samastipur
District	Samastipur
Reason	SAMASTIPUR
Pincode	848117
State	Bihar

Merger Update

Bihar Gramin Bank was formed from the merger of Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). This new, consolidated entity is sponsored by Punjab National Bank. As a result of this merger, Bihar Gramin Bank now operates under a standardized IFSC code structure provided by its sponsor. For the Karian branch specifically, the new and currently valid IFSC code is PUNB0MBGB06. It is crucial to understand that any old IFSC codes previously associated with UBGB or DBGB are no longer valid for transactions. To ensure your fund transfers are successful, always use the current, PNB-sponsored IFSC codes, such as PUNB0MBGB06 for the Karian branch.

What is IFSC Code?

The IFSC code, or Indian Financial System Code, is an 11-character alphanumeric code that uniquely identifies every bank branch participating in the Reserve Bank of India’s electronic funds settlement systems. Think of it as a unique address for a specific bank branch, making sure your money goes to the right place.

The structure of an IFSC code is standard across all banks:

• The first four characters represent the bank name. For instance, in PUNB0MBGB06, “PUNB” stands for Punjab National Bank, the sponsor bank for Bihar Gramin Bank.
• The fifth character is always a ‘0’ (zero). This character is reserved for future use.
• The last six characters uniquely identify the specific bank branch. In the case of PUNB0MBGB06, “MBGB06” points directly to the Karian branch of Bihar Gramin Bank.

This precise structure helps the banking system direct funds accurately and efficiently, minimizing errors in online transactions.

How to Use IFSC Code

Using an IFSC code is straightforward when you’re making electronic fund transfers. Whether you’re sending money via NEFT, RTGS, or IMPS, the process generally involves these steps:

1. Log In: Access your net banking portal or mobile banking application on your smartphone.
2. Select Transfer Option: Look for “Fund Transfer,” “Payments,” or “Send Money” options.
3. Add Beneficiary (if new): If you haven’t sent money to this person before, you’ll need to add them as a new beneficiary. This usually requires their name, account number, account type (savings or current), and the bank’s IFSC code.
4. Enter Details: Carefully enter the beneficiary’s correct bank account number, account holder’s name, and the IFSC code (PUNB0MBGB06 for Karian branch). Double-check all numbers.
5. Specify Amount: Enter the amount of money you wish to transfer.
6. Confirm and Send: Review all the entered information one last time to ensure accuracy. Then, confirm the transaction using your password or PIN.

For those who prefer traditional methods, you can also fill out a NEFT or RTGS form at your bank branch, where you will need to provide the beneficiary’s IFSC code.

Benefits

Knowing and using the correct IFSC code for your transactions offers several key advantages:

• Ensures Accuracy: The unique code guarantees your money reaches the intended bank branch, preventing funds from going to the wrong place.
• Speeds Up Transfers: IFSC codes are essential for electronic systems (NEFT, RTGS, IMPS), which process transactions much faster than traditional methods.
• Enhances Security: By precisely identifying the destination, the IFSC code adds a layer of security to digital transactions, reducing the risk of fraud.
• Facilitates Online Banking: It’s a mandatory requirement for initiating any online fund transfer, making digital banking seamless and convenient.
• Reduces Manual Errors: The standardized, machine-readable format minimizes human error that could occur with handwritten branch names or addresses.

Contact Section

If you need to get in touch with Bihar Gramin Bank, Karian branch, or the head office, here are the details:

• Karian Branch Phone Number: 9955997868
• Karian Branch Address: Karian, Samastipur, 848117
• Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
• Toll-Free Number (Bihar Gramin Bank): 18001807777

FAQs

Q1: What is the IFSC code for Bihar Gramin Bank Karian branch?
A1: The IFSC code for Bihar Gramin Bank, Karian branch, is PUNB0MBGB06.

Q2: Why does the IFSC code start with “PUNB” instead of “BGB”?
A2: Bihar Gramin Bank is sponsored by Punjab National Bank. After the merger of Uttar Bihar Gramin Bank and Dakshin Bihar Gramin Bank, the new entity operates under an IFSC structure provided by its sponsor, Punjab National Bank. “PUNB” represents Punjab National Bank, which now manages the IFSC codes for Bihar Gramin Bank branches.

Q3: Is PUNB0MBGB06 the IFSC code for all branches of Bihar Gramin Bank?
A3: No. While Bihar Gramin Bank now operates under a unified system sponsored by Punjab National Bank, each of its branches, like Karian, has its own unique 11-character IFSC code. PUNB0MBGB06 is specifically for the Karian branch. Always verify the exact IFSC code for the specific branch you intend to send money to.

Q4: Can I use old IFSC codes from Uttar Bihar Gramin Bank or Dakshin Bihar Gramin Bank?
A4: No. All old IFSC codes associated with Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) are no longer valid. You must use the new, updated IFSC codes, such as PUNB0MBGB06 for the Karian branch, for all electronic fund transfers.

Q5: What is the MICR code for Karian branch?
A5: The MICR (Magnetic Ink Character Recognition) code for Bihar Gramin Bank, Karian branch, is 800811002. This code is primarily used for processing physical cheques.