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

Below are the complete branch details for Capital Small Finance Bank Limited, CAPITAL LOCAL AREA BANK,JANDIALA GURU branch, located in JANDIALA GURU, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is CLBL0000045. 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 CLBL0000045 for Capital Small Finance Bank Limited – CAPITAL LOCAL AREA BANK,JANDIALA GURU — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 CAPITAL LOCAL AREA BANK,JANDIALA GURU branch, the IFSC CLBL0000045 breaks down as follows: CLBL identifies the bank, 0 is the reserved character, and 000045 identifies this particular branch.

Branch details at a glance

About the bank

Capital Small Finance Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Capital Local Area Bank,Jandiala Guru branch in Jandiala Guru, Punjab is part of this network and uses the IFSC code CLBL0000045 for all electronic settlement.

About this branch

The branch is located at G.T. ROAD, NEAR PETROL PUMP, JANDIALA GURU - 143115,DISTRICT AMRITSAR. It serves the Jandiala Guru region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Capital Small Finance Bank Limited. The IFSC CLBL0000045 is used to identify this branch on the RBI payments network.

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 CAPITAL LOCAL AREA BANK,JANDIALA GURU branch came to be assigned the code CLBL0000045.

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 CLBL0000045, money simply cannot be routed to the CAPITAL LOCAL AREA BANK,JANDIALA GURU branch electronically.

How to transfer money using IFSC CLBL0000045

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 CLBL0000045 across all three.

NEFT to Capital Small Finance Bank Limited, CAPITAL LOCAL AREA BANK,JANDIALA GURU using IFSC CLBL0000045

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 CLBL0000045, and confirm that the system picks up Capital Small Finance Bank Limited – CAPITAL LOCAL AREA BANK,JANDIALA GURU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC CLBL0000045

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,JANDIALA GURU, ensure your bank's portal accepts IFSC CLBL0000045 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Capital Small Finance Bank Limited – CAPITAL LOCAL AREA BANK,JANDIALA GURU, use IMPS. With IFSC CLBL0000045 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Capital Local Area Bank,Jandiala Guru

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 CLBL0000045:

• 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 CAPITAL LOCAL AREA BANK,JANDIALA GURU is still linked to IFSC CLBL0000045.

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 CAPITAL LOCAL AREA BANK,JANDIALA GURU branch, the IFSC CLBL0000045 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 Capital Local Area Bank,Jandiala Guru branch

Once you have an account at Capital Small Finance Bank Limited – CAPITAL LOCAL AREA BANK,JANDIALA GURU, the IFSC CLBL0000045 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.

Banking services available

The Capital Local Area Bank,Jandiala Guru branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 181-5050759.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC CLBL0000045

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Capital Small Finance Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC CLBL0000045 and the account number together uniquely identify the Capital Local Area Bank,Jandiala Guru branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC CLBL0000045

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,JANDIALA GURU 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 CLBL0000045 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,JANDIALA GURU:

• The IFSC is exactly CLBL0000045 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,JANDIALA GURU 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,Jandiala Guru branch

The branch is located at G.T. ROAD, NEAR PETROL PUMP, JANDIALA GURU - 143115,DISTRICT AMRITSAR, which puts it inside Jandiala Guru, the broader Amritsar 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,Jandiala Guru branch” — the verified location pin for IFSC CLBL0000045 should appear at the top of the results.
2. Confirm the branch is open by calling 181-5050759 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 CLBL0000045 and your account number.

Verifying IFSC CLBL0000045 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 CLBL0000045 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 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,Jandiala Guru branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CLBL0000045, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: CLBL0000045 is the IFSC code of Capital Small Finance Bank Limited, CAPITAL LOCAL AREA BANK,JANDIALA GURU branch, in JANDIALA GURU, 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.