IFSC Code of Capital Small Finance Bank Limited, Capital Local Area Bank,Uggi Branch, Punjab

If you are searching for the IFSC code of Capital Small Finance Bank Limited, CAPITAL LOCAL AREA BANK,UGGI branch in UGGI, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is CLBL0000046. 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 CAPITAL LOCAL AREA BANK,UGGI branch, and detailed step-by-step guides for using the IFSC CLBL0000046 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.

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 CAPITAL LOCAL AREA BANK,UGGI branch, the IFSC CLBL0000046 breaks down as follows: CLBL identifies the bank, 0 is the reserved character, and 000046 identifies this particular branch.

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 Capital Local Area Bank,Uggi branch in Uggi, Punjab is part of this network and uses the IFSC code CLBL0000046 for all electronic settlement.

Branch details at a glance

Capital Local Area Bank,Uggi branch overview

Located at CAPITAL LOCAL AREA BANK,KAPURTHALA-NAKODAR ROAD,TEHSIL NAKODAR, the Capital Local Area Bank,Uggi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CLBL0000046 is required for all interbank electronic transfers routed through this branch.

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 CAPITAL LOCAL AREA BANK,UGGI branch came to be assigned the code CLBL0000046.

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 CLBL0000046, money simply cannot be routed to the CAPITAL LOCAL AREA BANK,UGGI branch electronically.

Products and account variants supported

Every account opened at the Capital Local Area Bank,Uggi branch is mapped to IFSC CLBL0000046 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 CLBL0000046.

Banking services available

The Capital Local Area Bank,Uggi 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 CLBL0000046

How to transfer money using IFSC CLBL0000046

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 CLBL0000046 across all three.

NEFT to Capital Small Finance Bank Limited, CAPITAL LOCAL AREA BANK,UGGI using IFSC CLBL0000046

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 CLBL0000046, and confirm that the system picks up Capital Small Finance Bank Limited – CAPITAL LOCAL AREA BANK,UGGI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC CLBL0000046

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 – CAPITAL LOCAL AREA BANK,UGGI, ensure your bank's portal accepts IFSC CLBL0000046 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Capital Small Finance Bank Limited CAPITAL LOCAL AREA BANK,UGGI (IFSC CLBL0000046)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CLBL0000046 in your mobile or internet banking app, and the money is credited to the CAPITAL LOCAL AREA BANK,UGGI branch account within seconds.

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

All three modes accept the IFSC CLBL0000046 for Capital Small Finance Bank Limited – CAPITAL LOCAL AREA BANK,UGGI, 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 Capital Local Area Bank,Uggi 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 CAPITAL LOCAL AREA BANK,UGGI branch, the IFSC CLBL0000046 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.

Digital banking channels

Most day-to-day work that customers used to do at the Capital Local Area Bank,Uggi 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 CLBL0000046 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 CLBL0000046 and the account number together uniquely identify the Capital Local Area Bank,Uggi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – CAPITAL LOCAL AREA BANK,UGGI:

• The IFSC is exactly CLBL0000046 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 CAPITAL LOCAL AREA BANK,UGGI 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.

Reaching the branch

The Capital Local Area Bank,Uggi branch sits at CAPITAL LOCAL AREA BANK,KAPURTHALA-NAKODAR ROAD,TEHSIL NAKODAR. If you are travelling from outside Uggi, 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 CLBL0000046 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CLBL0000046 for Capital Small Finance Bank Limited – CAPITAL LOCAL AREA BANK,UGGI, 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 Capital Local Area Bank,Uggi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CLBL0000046, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CLBL0000046 belongs to Capital Small Finance Bank Limited's CAPITAL LOCAL AREA BANK,UGGI branch, located at CAPITAL LOCAL AREA BANK,KAPURTHALA-NAKODAR ROAD,TEHSIL NAKODAR in UGGI, 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.