IFSC Code of Capital Small Finance Bank Limited, Chandigarh-Ii Branch, Chandigarh

Use this page as a one-stop reference for everything related to Capital Small Finance Bank Limited's CHANDIGARH-II branch in CHANDIGARH, CHANDIGARH. The branch's IFSC code CLBL0000124 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Capital Small Finance Bank Limited – CHANDIGARH-II is CLBL0000124. The first four letters CLBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000124 map to this branch in CHANDIGARH, CHANDIGARH.

Bank profile

Capital Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Chandigarh-Ii branch — IFSC CLBL0000124 — extends the bank's services to customers in and around Chandigarh, Chandigarh.

Chandigarh-Ii branch overview

Located at SCO-1074-1075, SECTOR-22B, HIMALAYA MARG, CHANDIGARH, PINCODE - 160022, the Chandigarh-Ii branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CLBL0000124 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 CHANDIGARH-II branch came to be assigned the code CLBL0000124.

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 CLBL0000124, money simply cannot be routed to the CHANDIGARH-II branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Chandigarh-Ii branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CLBL0000124 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 CLBL0000124

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 CLBL0000124 across all three.

How to use IFSC CLBL0000124 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Capital Small Finance Bank Limited's CHANDIGARH-II branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC CLBL0000124.
4. Confirm the bank name auto-populates as Capital Small Finance Bank Limited and the branch as CHANDIGARH-II.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC CLBL0000124

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Capital Small Finance Bank Limited – CHANDIGARH-II, ensure your bank's portal accepts IFSC CLBL0000124 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Capital Small Finance Bank Limited CHANDIGARH-II (IFSC CLBL0000124)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CLBL0000124 in your mobile or internet banking app, and the money is credited to the CHANDIGARH-II branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chandigarh-Ii

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC CLBL0000124:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at CHANDIGARH-II is still linked to IFSC CLBL0000124.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Capital Small Finance Bank Limited's CHANDIGARH-II branch, the IFSC CLBL0000124 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Chandigarh-Ii branch

Once you have an account at Capital Small Finance Bank Limited – CHANDIGARH-II, the IFSC CLBL0000124 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 Chandigarh-Ii 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 CLBL0000124

Online banking and IFSC CLBL0000124

Capital Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHANDIGARH-II branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC CLBL0000124 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Reaching the branch

The Chandigarh-Ii branch sits at SCO-1074-1075, SECTOR-22B, HIMALAYA MARG, CHANDIGARH, PINCODE - 160022. If you are travelling from outside Chandigarh, 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 CLBL0000124 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Capital Small Finance Bank Limited – CHANDIGARH-II:

• The IFSC is exactly CLBL0000124 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Capital Small Finance Bank Limited as the bank name and CHANDIGARH-II as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Chandigarh-Ii branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CLBL0000124, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CLBL0000124 for Capital Small Finance Bank Limited – CHANDIGARH-II, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CLBL0000124 belongs to Capital Small Finance Bank Limited's CHANDIGARH-II branch, located at SCO-1074-1075, SECTOR-22B, HIMALAYA MARG, CHANDIGARH, PINCODE - 160022 in CHANDIGARH, CHANDIGARH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.