Bihar Gramin Bank, Karjara branch is located in Karjara, Gaya district, Bihar (Pincode 805131). The IFSC code is essential for electronic fund transfers such as NEFT, RTGS and IMPS. Banks use IFSC to identify the destination bank and branch for routing digital payments. Using the correct IFSC ensures funds reach the intended account quickly and without manual intervention.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | KARJARA |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7238 |
| Branch Address | KARJARA, Gaya, 805131, 9771464238 |
| Contact Number | 9771464238 |
| City | Gaya |
| District | Gaya |
| Reason | GAYA |
| Pincode | 805131 |
| State | Bihar |
Merger Update
The regional rural banks Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged under Punjab National Bank. All former UBGB/DBGB branches now operate using the single IFSC PUNB0MBGB06 under Punjab National Bank. Old UBGB and DBGB IFSC codes have been revoked. For NEFT, RTGS or IMPS transfers to this branch, use only PUNB0MBGB06. Beneficiary details should be updated in your bank or payment app to reflect the new IFSC before initiating transfers.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments to a specific bank branch.
- First 4 characters – identify the bank (example: PUNB = Punjab National Bank).
- 5th character – is always 0 and reserved for future use.
- Last 6 characters – identify the specific branch (example: MBGB06 in PUNB0MBGB06).
So in PUNB0MBGB06, PUNB = bank, 0 = reserved, MBGB06 = branch identifier.
How to Use IFSC Code
Follow these steps when making NEFT, RTGS or IMPS transfers to Bihar Gramin Bank, Karjara:
- Open your bank’s netbanking portal, mobile app or visit a branch.
- Select fund transfer type: NEFT, RTGS or IMPS. (RTGS is for larger values; typically used for amounts ≥ ₹200,000. NEFT and IMPS handle smaller or instant transfers.)
- Add a new beneficiary. Enter the beneficiary name exactly as on their bank account.
- Enter the beneficiary account number.
- Enter the IFSC: PUNB0MBGB06. Double-check every character.
- Enter the amount and purpose. Confirm and authorize the transfer (OTP/password as required).
- Note the transaction reference/UTR for tracking.
Practical tips: always verify the IFSC from a bank document or passbook if unsure. Update any saved beneficiaries if they still show old UBGB/DBGB IFSC codes.
Benefits
- Ensures accurate routing of electronic payments to the correct branch.
- Required for NEFT, RTGS and IMPS—without it transfers may fail or be delayed.
- Reduces manual intervention and reconciliation errors in clearing houses.
- Helps the sender and receiving bank trace payments using the transaction UTR and branch code.
- Makes bulk or automated payouts (salaries, vendor payments) reliable when set up correctly.
Contact
Branch Phone: 9771464238
Branch Address: KARJARA, Gaya, 805131
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free: 18001807777
FAQs
Q: Can I use an old UBGB or DBGB IFSC to send money to Karjara?
A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use the current IFSC PUNB0MBGB06 for all NEFT/RTGS/IMPS transactions.
Q: What happens if I enter a wrong IFSC but correct account number?
A: If the IFSC does not match the account’s bank-branch combination, the transfer may fail or be routed to the wrong branch. Banks rely on IFSC to route payments. Always verify both the account number and IFSC. If a mistake causes misrouting, contact your bank immediately and provide the transaction UTR.
Q: How long do transfers to this branch take?
A: IMPS is instant (24×7). NEFT runs on a 24×7 basis and will typically credit within minutes to a few hours. RTGS is real-time and available 24×7 for high-value transfers (commonly used for amounts ≥ ₹200,000). Actual credit time may depend on the sending bank’s processing and whether the beneficiary bank requires manual verification.
Q: What is the MICR code used for?
A: MICR (magnetic ink character recognition) code—here 800811002—is used mainly for cheque clearing through the clearing houses. It speeds physical cheque processing and identifies the branch’s clearing region.
Q: How do I verify this IFSC before adding a beneficiary?
A: Verify IFSC from the bank passbook, a cheque leaf, the branch, or by calling the branch phone (9771464238) or the bank’s toll-free number (18001807777). Do not rely solely on third-party sites; cross-check with an official document where possible.
If you need a brief checklist to add this branch as a beneficiary, I can provide one tailored to your bank’s mobile app or netbanking screen.
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.