IFSC Code of Capital Small Finance Bank Limited, Bulhowal Branch, Punjab

If you are searching for the IFSC code of Capital Small Finance Bank Limited, BULHOWAL branch in BULHOWAL, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is CLBL0000127. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BULHOWAL branch, and detailed step-by-step guides for using the IFSC CLBL0000127 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Capital Small Finance Bank Limited's BULHOWAL branch, the IFSC CLBL0000127 breaks down as follows: CLBL identifies the bank, 0 is the reserved character, and 000127 identifies this particular branch.

Bank profile

Capital Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bulhowal branch — IFSC CLBL0000127 — extends the bank's services to customers in and around Bulhowal, Punjab.

Bulhowal branch overview

Located at VILLAGE & PO BULHOWAL DISTRICT HOSHIARPUR PIN- 146113, the Bulhowal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CLBL0000127 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Capital Small Finance Bank Limited's BULHOWAL branch came to be assigned the code CLBL0000127.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC CLBL0000127, money simply cannot be routed to the BULHOWAL branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Bulhowal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CLBL0000127 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC CLBL0000127

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC CLBL0000127 across all three.

NEFT to Capital Small Finance Bank Limited, BULHOWAL using IFSC CLBL0000127

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC CLBL0000127, and confirm that the system picks up Capital Small Finance Bank Limited – BULHOWAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BULHOWAL

If you need to transfer ₹2 lakh or more in one go to an account at Capital Small Finance Bank Limited's BULHOWAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CLBL0000127 while initiating the transfer and the credit will appear within minutes.

IMPS to Capital Small Finance Bank Limited BULHOWAL (IFSC CLBL0000127)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CLBL0000127 in your mobile or internet banking app, and the money is credited to the BULHOWAL branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC CLBL0000127 for Capital Small Finance Bank Limited – BULHOWAL, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Bulhowal branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC CLBL0000127

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Capital Small Finance Bank Limited – BULHOWAL is still mapped to IFSC CLBL0000127. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC CLBL0000127 and the beneficiary's account number to complete the transfer.

Account types you can open at the Bulhowal branch

Once you have an account at Capital Small Finance Bank Limited – BULHOWAL, the IFSC CLBL0000127 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Bulhowal branch can access most of Capital Small Finance Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC CLBL0000127

Digital banking channels

Most day-to-day work that customers used to do at the Bulhowal branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC CLBL0000127 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The Bulhowal branch sits at VILLAGE & PO BULHOWAL DISTRICT HOSHIARPUR PIN- 146113. If you are travelling from outside Bulhowal, search for the branch on a maps application using the bank name and locality, or call 181-5050759 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC CLBL0000127 and your account number.

Common mistakes to avoid when using IFSC CLBL0000127

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Capital Small Finance Bank Limited – BULHOWAL, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: CLBL0000127.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Working hours

Branch counters at Bulhowal are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to CLBL0000127 continue to work without interruption.

Verifying IFSC CLBL0000127 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm CLBL0000127 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 181-5050759.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: CLBL0000127 is the IFSC code of Capital Small Finance Bank Limited, BULHOWAL branch, in BULHOWAL, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.