Below are the complete branch details for Capital Small Finance Bank Limited, SAMRAI branch, located in SAMRAI, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is CLBL0000002. 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 CLBL0000002 for Capital Small Finance Bank Limited – SAMRAI — 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 SAMRAI branch, the IFSC CLBL0000002 breaks down as follows: CLBL identifies the bank, 0 is the reserved character, and 000002 identifies this particular branch.
About Capital Small Finance Bank Limited
Capital Small Finance Bank Limited operates a wide network of branches across India, including the Samrai branch in Samrai. 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, CLBL0000002.
Branch details at a glance
| Bank Name | Capital Small Finance Bank Limited |
|---|---|
| Branch | Samrai |
| IFSC Code | CLBL0000002 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR BUS STAND, V. & P.O. SAMRAI-144032, DISTT. JALANDHAR |
| City | Samrai |
| District | Jalandhar |
| State | Punjab |
| STD Code | 1826 |
| Phone | 275880 |
About the Samrai branch
The Samrai branch of Capital Small Finance Bank Limited is situated at NEAR BUS STAND, V. & P.O. SAMRAI-144032, DISTT. JALANDHAR. 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 CLBL0000002 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 SAMRAI of Capital Small Finance Bank Limited — its own 11-character IFSC. The code CLBL0000002 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 CLBL0000002 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Samrai branch is mapped to IFSC CLBL0000002 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 CLBL0000002.
Products and services
Customers walking into the Samrai 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 CLBL0000002
How to transfer money using IFSC CLBL0000002
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 CLBL0000002 across all three.
How to use IFSC CLBL0000002 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 SAMRAI 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 CLBL0000002.
- Confirm the bank name auto-populates as Capital Small Finance Bank Limited and the branch as SAMRAI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC CLBL0000002
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 – SAMRAI, ensure your bank's portal accepts IFSC CLBL0000002 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Capital Small Finance Bank Limited SAMRAI (IFSC CLBL0000002)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CLBL0000002 in your mobile or internet banking app, and the money is credited to the SAMRAI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CLBL0000002 for Capital Small Finance Bank Limited – SAMRAI, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – CLBL0000002 | Yes – CLBL0000002 | Yes – CLBL0000002 |
For most retail customers crediting the Samrai 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 SAMRAI branch, the IFSC CLBL0000002 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.
Online banking and IFSC CLBL0000002
Capital Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SAMRAI 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 CLBL0000002 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.
MICR & cheque-truncation details
Cheques drawn on the Samrai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CLBL0000002 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC CLBL0000002
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 – SAMRAI, 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:
CLBL0000002. - 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 Samrai branch
The branch is located at NEAR BUS STAND, V. & P.O. SAMRAI-144032, DISTT. JALANDHAR, which puts it inside Samrai, the broader Jalandhar district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Capital Small Finance Bank Limited Samrai branch” — the verified location pin for IFSC CLBL0000002 should appear at the top of the results.
- Confirm the branch is open by calling 1826-275880 before stepping out, especially around public holidays.
- 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 CLBL0000002 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CLBL0000002 for Capital Small Finance Bank Limited – SAMRAI, 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 Samrai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CLBL0000002, however, work 24x7.
Branch address & contact
Capital Small Finance Bank LimitedSamrai Branch
NEAR BUS STAND, V. & P.O. SAMRAI-144032, DISTT. JALANDHAR
Samrai, Punjab
Phone: 1826-275880
IFSC: CLBL0000002
Frequently asked questions
What is the phone number of Capital Small Finance Bank Limited Samrai branch?
You can reach the branch at 1826-275880 during regular banking hours.
What is the IFSC code of Capital Small Finance Bank Limited Samrai branch?
The IFSC code of Capital Small Finance Bank Limited, Samrai branch is CLBL0000002. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Samrai branch but serve different purposes.
Where is Capital Small Finance Bank Limited Samrai branch located?
Capital Small Finance Bank Limited's Samrai branch is located at NEAR BUS STAND, V. & P.O. SAMRAI-144032, DISTT. JALANDHAR, Samrai, Punjab.
How quickly will an NEFT transfer using CLBL0000002 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Capital Small Finance Bank Limited – Samrai reflect within 30 minutes.
How do I add Capital Small Finance Bank Limited Samrai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CLBL0000002, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC CLBL0000002 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CLBL0000002 to send funds instantly.
Does Capital Small Finance Bank Limited Samrai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1826-275880 to confirm.
Summary
The IFSC code CLBL0000002 belongs to Capital Small Finance Bank Limited's SAMRAI branch, located at NEAR BUS STAND, V. & P.O. SAMRAI-144032, DISTT. JALANDHAR in SAMRAI, 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.
