The Bihar Gramin Bank, KARPI branch is located in KARPI village, Arwal district, Bihar (Pincode 804419). This IFSC code is required for any electronic funds transfer to or from this branch. For NEFT, RTGS and IMPS transfers you must provide the correct IFSC so the payment networks and banks can route funds to the exact branch account. Using the wrong or outdated IFSC can delay settlement or return the transaction.
Branch Details
| Bank Name | Bihar Gramin Bank |
| Branch Name | KARPI |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7108 |
| Branch Address | KARPI, Arwal, 804419, 9771464108 |
| Contact Number | 9771464108 |
| City | Arwal |
| District | Arwal |
| Reason | AURANGABAD |
| Pincode | 804419 |
| State | Bihar |
Merger Update
Important: The regional rural banks Uttar Bihar Gramin Bank (UBGB) and Dakshin Bihar Gramin Bank (DBGB) have been merged and their business consolidated. These entities now operate under Punjab National Bank infrastructure. As a result, the unified IFSC code to be used for transactions to this branch is PUNB0MBGB06. Old UBGB and DBGB IFSC codes have been revoked. Only the new IFSC (PUNB0MBGB06) is valid for NEFT, RTGS and IMPS transfers to accounts that were earlier under UBGB/DBGB.
What is IFSC Code?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code used to identify bank branches for electronic payments.
- First 4 characters: Bank identifier. Example: PUNB = Punjab National Bank.
- 5th character: Reserved and is normally 0 (zero).
- Last 6 characters: Branch identifier. Example in this IFSC: MBGB06 (so full code is PUNB0MBGB06).
The IFSC ensures messages are routed to the correct bank and branch across RTGS/NEFT/IMPS networks managed by RBI/NPCI.
How to Use IFSC Code (NEFT, RTGS, IMPS)
- Open your bank’s internet banking, mobile app or visit the branch.
- Select the transfer type: NEFT, RTGS or IMPS. (IMPS is instant and available 24×7; NEFT and RTGS are also available round-the-clock in current systems but check your bank limits.)
- Choose or add a beneficiary. Enter beneficiary name and account number exactly as provided.
- Enter the beneficiary bank’s IFSC: PUNB0MBGB06 for Bihar Gramin Bank, KARPI branch.
- Enter the amount and purpose. For RTGS, note that many banks require a minimum amount (historically ₹2,00,000), while NEFT has no minimum. IMPS limits vary by bank (commonly up to ₹2,00,000 per transaction).
- Verify details and authenticate the transaction using OTP, netbanking password or mobile banking PIN.
- Save the beneficiary for future transfers if required.
Benefits of Knowing the IFSC
- Ensures funds reach the exact branch and account without manual routing delays.
- Prevents failed transactions and returns caused by incorrect branch identification.
- Needed for setting up electronic mandates, salary credits and direct deposits.
- Required when adding beneficiaries in internet or mobile banking.
- Makes reconciliation easier for businesses and individuals by matching branch codes.
Contact Details
Branch phone no: 9771464108
Branch Address: KARPI, Arwal, 804419
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll free no: 18001807777
FAQs
Q: Can I use an old UBGB or DBGB IFSC for transfers to this branch?
A: No. Old UBGB/DBGB IFSC codes have been revoked after the merger. Use the new IFSC PUNB0MBGB06 for all transactions.
Q: Where can I find the IFSC for my account?
A: The IFSC is on your cheque leaf, passbook, bank account statement, bank’s branch noticeboard and in the bank’s internet/mobile banking beneficiary details. Confirm the IFSC with the branch if unsure.
Q: What happens if I enter a wrong IFSC?
A: If the IFSC does not match the beneficiary bank code, the payment may fail or be returned. If the IFSC points to a different branch but the account number is valid there, funds might be routed incorrectly. Always double-check both IFSC and account number.
Q: Which is faster: NEFT, RTGS or IMPS?
A: IMPS is instant and available 24×7 for smaller amounts. RTGS is intended for high-value, near-real-time transfers (banks often set a minimum; historically ₹2,00,000). NEFT processes are now near-instant and available round-the-clock, but settlement characteristics differ by bank.
Q: Is MICR the same as IFSC?
A: No. MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque clearing. IFSC is an 11-character code used for electronic transfers. Both help route transactions but in different systems.
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.