Below are the complete branch details for Capital Small Finance Bank Limited, PATHANKOT branch, located in PATHANKOT, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is CLBL0000098. 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 CLBL0000098 for Capital Small Finance Bank Limited – PATHANKOT — 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 – PATHANKOT is CLBL0000098. The first four letters CLBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000098 map to this branch in PATHANKOT, PUNJAB.
Branch details at a glance
| Bank Name | Capital Small Finance Bank Limited |
|---|---|
| Branch | Pathankot |
| IFSC Code | CLBL0000098 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CAPITAL SMALL FINANCE BANK LTD,DHANGU ROAD,PATHANKOT PIN - 145001 |
| City | Pathankot |
| District | Pathankot |
| State | Punjab |
| STD Code | 181 |
| Phone | 5050759 |
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 Pathankot branch in Pathankot, Punjab is part of this network and uses the IFSC code CLBL0000098 for all electronic settlement.
About this branch
The branch is located at CAPITAL SMALL FINANCE BANK LTD,DHANGU ROAD,PATHANKOT PIN - 145001. It serves the Pathankot 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 CLBL0000098 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 PATHANKOT branch came to be assigned the code CLBL0000098.
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 CLBL0000098, money simply cannot be routed to the PATHANKOT branch electronically.
How to transfer money using IFSC CLBL0000098
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 CLBL0000098 across all three.
How to use IFSC CLBL0000098 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 PATHANKOT 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC CLBL0000098.
- Confirm the bank name auto-populates as Capital Small Finance Bank Limited and the branch as PATHANKOT.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to PATHANKOT
If you need to transfer ₹2 lakh or more in one go to an account at Capital Small Finance Bank Limited's PATHANKOT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CLBL0000098 while initiating the transfer and the credit will appear within minutes.
IMPS to Capital Small Finance Bank Limited PATHANKOT (IFSC CLBL0000098)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CLBL0000098 in your mobile or internet banking app, and the money is credited to the PATHANKOT branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Pathankot
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 CLBL0000098:
- 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 PATHANKOT is still linked to IFSC CLBL0000098.
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.
UPI payments and IFSC CLBL0000098
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 – PATHANKOT is still mapped to IFSC CLBL0000098. 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 CLBL0000098 and the beneficiary's account number to complete the transfer.
Account types you can open at the Pathankot branch
Once you have an account at Capital Small Finance Bank Limited – PATHANKOT, the IFSC CLBL0000098 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 Pathankot 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 CLBL0000098
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 CLBL0000098 and the account number together uniquely identify the Pathankot branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC CLBL0000098
Capital Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PATHANKOT 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 CLBL0000098 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.
Common mistakes to avoid when using IFSC CLBL0000098
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 – PATHANKOT, 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:
CLBL0000098. - 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.
Reaching the branch
The Pathankot branch sits at CAPITAL SMALL FINANCE BANK LTD,DHANGU ROAD,PATHANKOT PIN - 145001. If you are travelling from outside Pathankot, 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 CLBL0000098 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CLBL0000098 for Capital Small Finance Bank Limited – PATHANKOT, 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 Pathankot branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CLBL0000098, however, work 24x7.
Branch address & contact
Capital Small Finance Bank LimitedPathankot Branch
CAPITAL SMALL FINANCE BANK LTD,DHANGU ROAD,PATHANKOT PIN - 145001
Pathankot, Punjab
Phone: 181-5050759
IFSC: CLBL0000098
Frequently asked questions
What is the IFSC code of Capital Small Finance Bank Limited Pathankot branch?
The IFSC code of Capital Small Finance Bank Limited, Pathankot branch is CLBL0000098. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Capital Small Finance Bank Limited Pathankot branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 181-5050759 to confirm.
Is IFSC CLBL0000098 the same for all accounts at Pathankot branch?
Yes. The IFSC CLBL0000098 is shared by every account held at Capital Small Finance Bank Limited's Pathankot branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using CLBL0000098 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Capital Small Finance Bank Limited – Pathankot reflect within 30 minutes.
What is the phone number of Capital Small Finance Bank Limited Pathankot branch?
You can reach the branch at 181-5050759 during regular banking hours.
Can I use IFSC CLBL0000098 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CLBL0000098 to send funds instantly.
Summary
The IFSC code CLBL0000098 belongs to Capital Small Finance Bank Limited's PATHANKOT branch, located at CAPITAL SMALL FINANCE BANK LTD,DHANGU ROAD,PATHANKOT PIN - 145001 in PATHANKOT, 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.
