IFSC Code of Capital Small Finance Bank Limited, Talwandi Chaudhrian Branch, Punjab

If you are searching for the IFSC code of Capital Small Finance Bank Limited, TALWANDI CHAUDHRIAN branch in TALWANDI CHAUDHRIAN, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is CLBL0000121. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the TALWANDI CHAUDHRIAN branch, and detailed step-by-step guides for using the IFSC CLBL0000121 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, CLBL0000121 is the IFSC of Capital Small Finance Bank Limited's TALWANDI CHAUDHRIAN branch. The format is fixed: CLBL = bank code, 0 = reserved, 000121 = branch identifier.

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 Talwandi Chaudhrian branch in Talwandi Chaudhrian, Punjab is part of this network and uses the IFSC code CLBL0000121 for all electronic settlement.

Branch details at a glance

About the Talwandi Chaudhrian branch

The Talwandi Chaudhrian branch of Capital Small Finance Bank Limited is situated at V&PO TALWANDI CHAUDHRIAN TEHSIL SULTANPUR PIN - 144606. 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 CLBL0000121 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 TALWANDI CHAUDHRIAN of Capital Small Finance Bank Limited — its own 11-character IFSC. The code CLBL0000121 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 CLBL0000121 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 Talwandi Chaudhrian branch is mapped to IFSC CLBL0000121 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 CLBL0000121.

Products and services

Customers walking into the Talwandi Chaudhrian 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 CLBL0000121

How to transfer money using IFSC CLBL0000121

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 CLBL0000121 across all three.

How to use IFSC CLBL0000121 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 TALWANDI CHAUDHRIAN 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 CLBL0000121.
4. Confirm the bank name auto-populates as Capital Small Finance Bank Limited and the branch as TALWANDI CHAUDHRIAN.
5. 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 TALWANDI CHAUDHRIAN

If you need to transfer ₹2 lakh or more in one go to an account at Capital Small Finance Bank Limited's TALWANDI CHAUDHRIAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CLBL0000121 while initiating the transfer and the credit will appear within minutes.

IMPS to Capital Small Finance Bank Limited TALWANDI CHAUDHRIAN (IFSC CLBL0000121)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CLBL0000121 in your mobile or internet banking app, and the money is credited to the TALWANDI CHAUDHRIAN branch account within seconds.

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

All three modes accept the IFSC CLBL0000121 for Capital Small Finance Bank Limited – TALWANDI CHAUDHRIAN, 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 Talwandi Chaudhrian 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 CLBL0000121

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 – TALWANDI CHAUDHRIAN is still mapped to IFSC CLBL0000121. 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 CLBL0000121 and the beneficiary's account number to complete the transfer.

Online banking and IFSC CLBL0000121

Capital Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the TALWANDI CHAUDHRIAN 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 CLBL0000121 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 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 CLBL0000121 and the account number together uniquely identify the Talwandi Chaudhrian 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 CLBL0000121

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 – TALWANDI CHAUDHRIAN, 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: CLBL0000121.
• 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 Talwandi Chaudhrian branch sits at V&PO TALWANDI CHAUDHRIAN TEHSIL SULTANPUR PIN - 144606. If you are travelling from outside Talwandi Chaudhrian, search for the branch on a maps application using the bank name and locality, or call 1828-250222 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 CLBL0000121 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CLBL0000121 for Capital Small Finance Bank Limited – TALWANDI CHAUDHRIAN, 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.

Working hours

Branch counters at Talwandi Chaudhrian 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 CLBL0000121 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: CLBL0000121 is the IFSC code of Capital Small Finance Bank Limited, TALWANDI CHAUDHRIAN branch, in TALWANDI CHAUDHRIAN, 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.