Bihar Gramin Bank, KARJA BAZAR branch is located in Karja Bazar, Bhojpur district, Bihar (PIN 802166). The IFSC code is essential when you send money by NEFT, RTGS or IMPS. The code identifies the bank and the exact branch so funds route correctly and reach the beneficiary without delay or return.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | KARJA BAZAR |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 6951 |
| Branch Address | KARJA BAZAR, Bhojpur, 802166, 7091596951 |
| Contact Number | 7091596951 |
| City | Bhojpur |
| District | Bhojpur |
| Reason | ARA |
| Pincode | 802166 |
| State | Bihar |
Merger Update
Important: If this branch previously belonged to Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note that both banks have been consolidated for operational banking under Punjab National Bank’s routing. The single IFSC to use now is PUNB0MBGB06. Old UBGB/DBGB IFSC codes have been revoked and are no longer valid for fund transfers. Always use the new IFSC shown above for NEFT, RTGS and IMPS.
What is an IFSC Code?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payments. Its structure:
- First 4 characters: Bank name code (example: PUNB = Punjab National Bank).
- 5th character: Always zero (0), reserved for future use.
- Last 6 characters: Branch identifier (example: MBGB06 for this branch).
How to Use IFSC Code (NEFT, RTGS, IMPS)
- Open your bank’s net banking portal or mobile app. Go to the “Funds Transfer” or “Add Beneficiary” section.
- Enter the beneficiary name exactly as on their bank account.
- Enter the account number and the IFSC code: PUNB0MBGB06. The app will often verify the IFSC and display the branch name.
- Choose the transfer type: NEFT, RTGS or IMPS. IMPS is instant and available 24×7; NEFT and RTGS are commonly used across retail and high-value transfers respectively—confirm availability with your bank for timings.
- Enter the amount and purpose. Double-check the account number and IFSC before confirming.
- If adding a new beneficiary, you may need to wait for beneficiary activation (some banks hold a short cooling period for security).
- Keep the transaction reference or UTR for future tracking and reconciliation.
Benefits of Knowing the IFSC
- Ensures money is routed to the correct bank branch. An incorrect IFSC can delay or return the payment.
- Required for all electronic transfers: NEFT, RTGS and IMPS.
- Helps verify beneficiary details when adding accounts in net banking or payment apps.
- Useful for employers, government payments and business reconciliation to match branch codes and MICR.
- Reduces failed transactions and avoids extra charges from reprocessing returned payments.
Contact
Branch phone no: 7091596951
Branch Address: KARJA BAZAR, Bhojpur, 802166, 7091596951
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: I have the account number but not the IFSC. Can I still transfer?
A: Most banks require the IFSC for NEFT/RTGS/IMPS. You can ask the beneficiary for the IFSC, check a cheque leaf or passbook, or verify with the branch phone number 7091596951.
Q: I used an old UBGB IFSC and the transfer failed. What now?
A: Old UBGB/DBGB IFSC codes have been revoked. Re-initiate the transfer using PUNB0MBGB06. If funds were debited and not credited, contact your bank immediately with transaction references.
Q: How can I verify that PUNB0MBGB06 is correct for Karja Bazar?
A: Verify by calling the branch at 7091596951, checking the branch passbook or cheque leaf, or asking your bank to validate the IFSC before sending funds.
Q: What happens if I mistype one digit of the IFSC?
A: If the mistyped IFSC does not map to a valid branch, the transfer will usually fail and funds will be returned. If it maps to a different branch, the money could reach the wrong account—so always double-check both IFSC and account number.
Q: Are NEFT, RTGS and IMPS always available?
A: Availability depends on your bank’s services and timings. IMPS is typically instant and available 24×7. NEFT and RTGS are widely available, but check your bank for specific timings and limits. For large sums, confirm whether your bank requires RTGS or permits NEFT/IMPS.
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.