Bihar Gramin Bank Karjapatti. IFSC Code

The Karjapatti branch of Bihar Gramin Bank is located in the Darbhanga district of Bihar. For anyone looking to send or receive money electronically to an account at this branch, the Indian Financial System Code (IFSC) is essential. This unique 11-character code acts like a specific address for the bank branch, ensuring that funds transferred through systems like NEFT, RTGS, or IMPS reach their intended destination without errors.

Branch Details

Important Merger Update

Bihar Gramin Bank was formed by the merger of two regional rural banks: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB). Following this amalgamation, the bank is now sponsored by Punjab National Bank (PNB). A significant outcome of this merger is the standardization of the IFSC code. All previous IFSC codes used by UBGB and DBGB branches are now invalid and have been revoked. For all electronic transactions to any branch of Bihar Gramin Bank, including Karjapatti, you must use the single, unified IFSC code: PUNB0MBGB06. Using an old code will result in a failed transaction.

What is an IFSC Code?

The Indian Financial System Code (IFSC) is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to identify every bank branch participating in the electronic funds transfer network. The code has a specific structure that helps route transactions correctly.

• First 4 Characters: These represent the bank’s name. For Bihar Gramin Bank, this is ‘PUNB’, which signifies its sponsor bank, Punjab National Bank.
• Fifth Character: This is always a zero (0). It is reserved for future use.
• Last 6 Characters: This part identifies the specific branch. In this case, ‘MBGB06’ is the code used for all branches of the merged Madhya Bihar Gramin Bank, which is now part of the larger Bihar Gramin Bank entity structure.

How to Use the IFSC Code for Fund Transfers

Using the IFSC code for an online fund transfer is a straightforward process. Whether you are using a mobile banking app or a web portal, the steps are generally the same.

1. Log in to your internet banking or mobile banking application.
2. Navigate to the ‘Fund Transfer’ section and select the transfer method: NEFT, RTGS, or IMPS.
3. Add the recipient as a ‘beneficiary’ or ‘payee’. You will need to provide their name, account number, and bank details.
4. Enter the IFSC code PUNB0MBGB06 in the designated field.
5. Enter the amount you wish to transfer and confirm the details.
6. Authenticate the transaction using your password, PIN, or OTP.

Always double-check the IFSC code and account number before confirming. An error in these details is the most common reason for failed or misdirected payments.

Benefits of Using the Correct IFSC Code

• Accuracy: It ensures your money is routed directly to the correct bank branch and account.
• Speed: Correct codes enable automated processing, making transfers faster and more efficient.
• Error Prevention: It eliminates the guesswork involved in identifying a bank branch, significantly reducing the risk of transaction failures.
• Universal Requirement: It is mandatory for all major electronic fund transfer methods in India, including NEFT, RTGS, and IMPS.

Contact Information

For direct assistance, you can reach out to the branch or the bank’s head office.

• Branch Contact: 9297955110
• Branch Address: Karjapatti, Darbhanga, Bihar – 847306
• Head Office Address: Shri Vishnu Commercial Complex, Asochak, Patna – 800030, Bihar
• Toll-Free Number: 1800-180-7777

Frequently Asked Questions

1. Why does the Bihar Gramin Bank IFSC code start with ‘PUNB’?

The code starts with ‘PUNB’ because Bihar Gramin Bank is sponsored by Punjab National Bank (PNB). The first four letters of an IFSC code identify the parent or sponsor bank.

2. Can I still use my old Uttar Bihar Gramin Bank (UBGB) IFSC code?

No. All IFSC codes associated with the former UBGB and DBGB are now defunct. You must use the new, unified IFSC code PUNB0MBGB06 for all transactions to avoid failure.

3. Is the IFSC code the same for all branches of Bihar Gramin Bank?

Yes, following the merger and system integration, PUNB0MBGB06 is the single IFSC code used for all branches of Bihar Gramin Bank for receiving funds.

4. What happens if I enter the wrong IFSC code?

If the code you enter does not exist, the transaction will likely be rejected immediately. If it corresponds to another branch, the transfer might be delayed or fail. In rare cases, if the account number also matches an account in the wrong branch, the funds could be misdirected.

5. What is the difference between NEFT, RTGS, and IMPS?

NEFT (National Electronic Funds Transfer) processes transactions in hourly batches and is suitable for all amounts. RTGS (Real-Time Gross Settlement) is for high-value transactions (typically above ₹2 lakh) and settles them instantly. IMPS (Immediate Payment Service) is a 24/7 service for instant transfers, available even on holidays.

Kriti Kumari

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.