Bihar Gramin Bank KARNAMEPUR IFSC Code

Bihar Gramin Bank KARNAMEPUR IFSC Code
Karnamepur branch is located in Bhojpur district of Bihar (Pincode 802021). This branch handles retail and rural banking services for local customers. For electronic fund transfers—NEFT, RTGS and IMPS—you must provide the correct IFSC code so the payment switches route to the right bank and branch. An incorrect or revoked IFSC can delay or reject the transfer, so verify it before initiating transactions.

Branch Details

Merger Update

Important: Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) were consolidated under the sponsor bank arrangement and now operate using a unified IFSC code: PUNB0MBGB06 under Punjab National Bank. Old IFSC codes issued to UBGB or DBGB branches have been revoked. For all NEFT/RTGS/IMPS transactions, use only the new IFSC PUNB0MBGB06. Using an old or revoked IFSC will cause transaction failure or routing delays.

What is an IFSC Code?

The IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches in electronic payment systems. Its structure is:

• First 4 characters — bank code (letters). Example: PUNB indicates Punjab National Bank.
• 5th character — always 0 (reserved).
• Last 6 characters — branch identifier (alphanumeric). Example: MBGB06 identifies the specific branch.

So the IFSC PUNB0MBGB06 breaks down as PUNB | 0 | MBGB06, where MBGB06 is the Karnamepur branch code under the combined arrangement.

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

• Open your bank’s online banking portal or mobile app, or visit the bank branch.
• Choose the payment type: NEFT, RTGS or IMPS. IMPS is instant and available 24×7 for small/medium transfers; NEFT/RTGS availability can vary by bank but generally supports same-day or near-instant settlement.
• Add the beneficiary (recipient): enter the beneficiary name, account number and the IFSC PUNB0MBGB06. Double-check spelling and digits.
• Save beneficiary if required by your bank. Most banks require an authorization step (OTP or branch verification) before first-time beneficiaries can receive funds.
• Enter the transfer amount and transaction remark if needed. Verify any transfer limits—banks set daily or per-transaction caps.
• Authenticate the transfer with OTP, token, or transaction password as prompted.
• Record the transaction reference number. Check beneficiary account after the expected settlement time and contact your branch if there is a delay.

Benefits of Knowing the IFSC

• Ensures funds are routed correctly to the exact branch and account.
• Speeds up electronic transfers (NEFT, RTGS, IMPS) and reduces failures.
• Makes adding beneficiaries straightforward and secure within banking apps.
• Helps in verifying official bank details on cheques, passbooks and bank communications.
• Essential for receiving salaries, government transfers, and online payments from vendors or customers.

Contact

Branch Phone: 9771464048
Branch Address: KARNAMEPUR, Bhojpur, 802021
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll-free No: 18001807777

FAQs

Q: Can I use an old UBGB IFSC for transfers to Karnamepur?
A: No. Old UBGB (or DBGB) IFSC codes have been revoked following consolidation. Use only PUNB0MBGB06 for successful electronic transfers.

Q: Where can I verify this IFSC before sending money?
A: Verify the IFSC on the bank passbook or cheque leaf, or by calling the branch phone number (9771464048). Check the head office or official bank communication if in doubt.

Q: What happens if I enter the wrong IFSC?
A: A wrong IFSC can cause the transaction to be routed to a different branch or be rejected. If rejected, funds are typically reversed to the originating account; reversal times vary by bank.

Q: Is IFSC the same as MICR?
A: No. IFSC identifies a branch for electronic transfers. MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque processing and clearing. The Karnamepur MICR is 800811002.

Q: How quickly do NEFT/RTGS/IMPS transfers reach the beneficiary?
A: IMPS is immediate (real-time). NEFT and RTGS settlement times depend on the bank’s processing schedule and the network—many banks now offer near-real-time settlement. If speed is critical, confirm with the sending bank and ensure the IFSC and account number are correct.

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.