IFSC Code of Capital Small Finance Bank Limited, Kala Sanghian Branch, Punjab

Below are the complete branch details for Capital Small Finance Bank Limited, KALA SANGHIAN branch, located in KALA SANGIAN, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is CLBL0000023. 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 CLBL0000023 for Capital Small Finance Bank Limited – KALA SANGHIAN — 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 – KALA SANGHIAN is CLBL0000023. The first four letters CLBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000023 map to this branch in KALA SANGIAN, PUNJAB.

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 Kala Sanghian branch in Kala Sangian, Punjab is part of this network and uses the IFSC code CLBL0000023 for all electronic settlement.

Kala Sanghian branch overview

Located at JALANDHAR ROAD, V. & P.O. KALA SANGHIAN - 144623, DISTT. KAPURTHALA, the Kala Sanghian branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CLBL0000023 is required for all interbank electronic transfers routed through this branch.

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 KALA SANGHIAN of Capital Small Finance Bank Limited — its own 11-character IFSC. The code CLBL0000023 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 CLBL0000023 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 CLBL0000023

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 CLBL0000023 across all three.

NEFT to Capital Small Finance Bank Limited, KALA SANGHIAN using IFSC CLBL0000023

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 CLBL0000023, and confirm that the system picks up Capital Small Finance Bank Limited – KALA SANGHIAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KALA SANGHIAN

If you need to transfer ₹2 lakh or more in one go to an account at Capital Small Finance Bank Limited's KALA SANGHIAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CLBL0000023 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Capital Small Finance Bank Limited – KALA SANGHIAN, use IMPS. With IFSC CLBL0000023 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC CLBL0000023 for Capital Small Finance Bank Limited – KALA SANGHIAN, 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 Kala Sanghian 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 CLBL0000023

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 – KALA SANGHIAN is still mapped to IFSC CLBL0000023. 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 CLBL0000023 and the beneficiary's account number to complete the transfer.

Account types you can open at the Kala Sanghian branch

Once you have an account at Capital Small Finance Bank Limited – KALA SANGHIAN, the IFSC CLBL0000023 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 Kala Sanghian branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1822-258084.

• 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 CLBL0000023

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 CLBL0000023 and the account number together uniquely identify the Kala Sanghian branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC CLBL0000023

Capital Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KALA SANGHIAN 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 CLBL0000023 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 – KALA SANGHIAN:

• The IFSC is exactly CLBL0000023 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 KALA SANGHIAN 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 Kala Sanghian branch

The branch is located at JALANDHAR ROAD, V. & P.O. KALA SANGHIAN - 144623, DISTT. KAPURTHALA, which puts it inside Kala Sangian, the broader Kapurthala 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 Kala Sanghian branch” — the verified location pin for IFSC CLBL0000023 should appear at the top of the results.
2. Confirm the branch is open by calling 1822-258084 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 CLBL0000023 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CLBL0000023 for Capital Small Finance Bank Limited – KALA SANGHIAN, 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 Kala Sanghian branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CLBL0000023, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CLBL0000023 belongs to Capital Small Finance Bank Limited's KALA SANGHIAN branch, located at JALANDHAR ROAD, V. & P.O. KALA SANGHIAN - 144623, DISTT. KAPURTHALA in KALA SANGIAN, 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.