IFSC Code of Capital Small Finance Bank Limited, Capital Local Area Bank Limited, Jagraon Branch, Punjab

Below are the complete branch details for Capital Small Finance Bank Limited, CAPITAL LOCAL AREA BANK LIMITED, JAGRAON branch, located in JAGRAON, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is CLBL0000035. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case CLBL0000035 for Capital Small Finance Bank Limited – CAPITAL LOCAL AREA BANK LIMITED, JAGRAON — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – CAPITAL LOCAL AREA BANK LIMITED, JAGRAON is CLBL0000035. The first four letters CLBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000035 map to this branch in JAGRAON, PUNJAB.

Branch details at a glance

Bank profile

Capital Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Capital Local Area Bank Limited, Jagraon branch — IFSC CLBL0000035 — extends the bank's services to customers in and around Jagraon, Punjab.

About the Capital Local Area Bank Limited, Jagraon branch

The Capital Local Area Bank Limited, Jagraon branch of Capital Small Finance Bank Limited is situated at G.T.ROAD, NEAR SHERPUR FLYOVER BRIDGE, JAGRAON. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code CLBL0000035 is used.

Why every Capital Small Finance Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including CAPITAL LOCAL AREA BANK LIMITED, JAGRAON of Capital Small Finance Bank Limited — its own 11-character IFSC. The code CLBL0000035 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC CLBL0000035 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC CLBL0000035

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 CLBL0000035 across all three.

NEFT to Capital Small Finance Bank Limited, CAPITAL LOCAL AREA BANK LIMITED, JAGRAON using IFSC CLBL0000035

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 CLBL0000035, and confirm that the system picks up Capital Small Finance Bank Limited – CAPITAL LOCAL AREA BANK LIMITED, JAGRAON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC CLBL0000035

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 – CAPITAL LOCAL AREA BANK LIMITED, JAGRAON, ensure your bank's portal accepts IFSC CLBL0000035 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Capital Small Finance Bank Limited CAPITAL LOCAL AREA BANK LIMITED, JAGRAON (IFSC CLBL0000035)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CLBL0000035 in your mobile or internet banking app, and the money is credited to the CAPITAL LOCAL AREA BANK LIMITED, JAGRAON branch account within seconds.

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

All three modes accept the IFSC CLBL0000035 for Capital Small Finance Bank Limited – CAPITAL LOCAL AREA BANK LIMITED, JAGRAON, 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 Capital Local Area Bank Limited, Jagraon 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.

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 CAPITAL LOCAL AREA BANK LIMITED, JAGRAON branch, the IFSC CLBL0000035 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.

Products and account variants supported

Every account opened at the Capital Local Area Bank Limited, Jagraon branch is mapped to IFSC CLBL0000035 on the RBI payments network. The branch generally supports the full retail product catalogue of Capital Small Finance Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains CLBL0000035.

Products and services

Customers walking into the Capital Local Area Bank Limited, Jagraon 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 CLBL0000035

MICR & cheque-truncation details

Cheques drawn on the Capital Local Area Bank Limited, Jagraon branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CLBL0000035 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC CLBL0000035

Capital Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CAPITAL LOCAL AREA BANK LIMITED, JAGRAON 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 CLBL0000035 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.

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 – CAPITAL LOCAL AREA BANK LIMITED, JAGRAON:

• The IFSC is exactly CLBL0000035 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 CAPITAL LOCAL AREA BANK LIMITED, JAGRAON 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.

How to reach the Capital Local Area Bank Limited, Jagraon branch

The branch is located at G.T.ROAD, NEAR SHERPUR FLYOVER BRIDGE, JAGRAON, which puts it inside Jagraon, the broader Ludhiana district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Capital Small Finance Bank Limited Capital Local Area Bank Limited, Jagraon branch” — the verified location pin for IFSC CLBL0000035 should appear at the top of the results.
2. Confirm the branch is open by calling 1624-510033 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC CLBL0000035 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CLBL0000035 for Capital Small Finance Bank Limited – CAPITAL LOCAL AREA BANK LIMITED, JAGRAON, 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 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 Capital Local Area Bank Limited, Jagraon branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CLBL0000035, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CLBL0000035 belongs to Capital Small Finance Bank Limited's CAPITAL LOCAL AREA BANK LIMITED, JAGRAON branch, located at G.T.ROAD, NEAR SHERPUR FLYOVER BRIDGE, JAGRAON in JAGRAON, PUNJAB. 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.