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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Capital Small Finance Bank Limited, NAWANSHAHR branch in NAWANSHAHR. The 11-digit IFSC CLBL0000061 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Capital Small Finance Bank Limited at the NAWANSHAHR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, CLBL0000061 is the IFSC of Capital Small Finance Bank Limited's NAWANSHAHR branch. The format is fixed: CLBL = bank code, 0 = reserved, 000061 = branch identifier.

About Capital Small Finance Bank Limited

Capital Small Finance Bank Limited operates a wide network of branches across India, including the Nawanshahr branch in Nawanshahr. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, CLBL0000061.

Branch details at a glance

About the Nawanshahr branch

The Nawanshahr branch of Capital Small Finance Bank Limited is situated at NEW CITY TOWER,BANGA RAOAD-144514. 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 CLBL0000061 is used.

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 NAWANSHAHR branch came to be assigned the code CLBL0000061.

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 CLBL0000061, money simply cannot be routed to the NAWANSHAHR branch electronically.

Account types you can open at the Nawanshahr branch

Once you have an account at Capital Small Finance Bank Limited – NAWANSHAHR, the IFSC CLBL0000061 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 Nawanshahr branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1823-508222.

• 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 CLBL0000061

How to transfer money using IFSC CLBL0000061

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 CLBL0000061 across all three.

How to use IFSC CLBL0000061 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 NAWANSHAHR 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 CLBL0000061.
4. Confirm the bank name auto-populates as Capital Small Finance Bank Limited and the branch as NAWANSHAHR.
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 CLBL0000061

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 – NAWANSHAHR, ensure your bank's portal accepts IFSC CLBL0000061 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Capital Small Finance Bank Limited NAWANSHAHR (IFSC CLBL0000061)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CLBL0000061 in your mobile or internet banking app, and the money is credited to the NAWANSHAHR branch account within seconds.

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

All three modes accept the IFSC CLBL0000061 for Capital Small Finance Bank Limited – NAWANSHAHR, 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 Nawanshahr 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 CLBL0000061

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 – NAWANSHAHR is still mapped to IFSC CLBL0000061. 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 CLBL0000061 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Nawanshahr 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 CLBL0000061 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.

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 CLBL0000061 and the account number together uniquely identify the Nawanshahr branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC CLBL0000061

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 – NAWANSHAHR, 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: CLBL0000061.
• 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.

How to reach the Nawanshahr branch

The branch is located at NEW CITY TOWER,BANGA RAOAD-144514, which puts it inside Nawanshahr, the broader Nawanshahr 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 Nawanshahr branch” — the verified location pin for IFSC CLBL0000061 should appear at the top of the results.
2. Confirm the branch is open by calling 1823-508222 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 CLBL0000061 and your account number.

Verifying IFSC CLBL0000061 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 CLBL0000061 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1823-508222.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Nawanshahr 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 CLBL0000061 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: CLBL0000061 is the IFSC code of Capital Small Finance Bank Limited, NAWANSHAHR branch, in NAWANSHAHR, 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.