🎉Available on Play Store! Get it on Google Play

Last updated on: August 6, 2025

Quick Summary

The Kotak Mahindra Bank IFSC Code is an 11-character alphanumeric code assigned to every branch of Kotak Mahindra Bank by the Reserve Bank of India (RBI) to uniquely identify each branch while conducting electronic fund transfers like NEFT, RTGS, and IMPS. The code typically starts with ‘KKBK’ (representing Kotak Mahindra Bank), followed by a ‘0’ (reserved for future use), and ends with a unique 6-character identifier for the respective branch (e.g., KKBK0000958 for Hyderabad Banjara Hills). You can easily find the Kotak Mahindra Bank IFSC Code for any branch on your cheque book, the bank’s official website, or the RBI website. Knowing the correct IFSC code is crucial for seamless and error-free money transfers.

Kotak Mahindra Bank IFSC Code: The Complete 2025 Guide

As digital banking continues to dominate in India, the importance of knowing your bank details has never been greater. One detail that matters everywhere—be it for UPI transfers, IMPS, NEFT, or RTGS—is the Kotak Mahindra Bank IFSC Code. Whether you’re shopping on online marketplaces, sending money to family, or receiving a payment, using the correct IFSC code ensures smooth, secure transactions.

In 2025, as banking technology advances, IFSC codes remain integral to navigating the Indian financial system. Here, you’ll discover not only what the IFSC code is for Kotak Mahindra Bank, but also why it matters, how to find it, and how to use it confidently every day.


What is an IFSC Code?

The IFSC (Indian Financial System Code) is a unique 11-character alphanumeric code assigned by the RBI to identify every bank branch in India that participates in NEFT, RTGS, and IMPS fund transfer systems. For Kotak Mahindra Bank customers, this code acts as an address for digital transactions—ensuring your money reaches the right bank, at the right branch, and in the right hands.

Example:
One typical Kotak Mahindra Bank IFSC code looks like this: KKBK0000958


Why Does the Kotak Mahindra Bank IFSC Code Matter in 2025?

The IFSC code is vital for pinpointing your Kotak Bank branch during electronic transactions. In a year where more payments and settlements happen digitally than ever before, this code supports you to:

  • Transfer funds quickly and accurately (IMPS, NEFT, RTGS)
  • Receive payments from anyone in India without hiccups
  • Secure your transactions by ensuring money isn’t misrouted
  • Enable e-commerce and online purchases that require bank authentication

For individuals and businesses alike, a correct IFSC code saves time, reduces errors, and keeps every digital rupee safe.


How is the Kotak Mahindra Bank IFSC Code Structured?

Let’s break down the format so it’s easy to understand:

SegmentCharactersExample (KKBK0000958)Meaning
Bank Code4KKBKRepresents Kotak Mahindra Bank Limited
Reserved10Always ‘0’; reserved for future use
Branch Code6000958Unique code identifying a specific branch

If your account is at Kotak’s Mumbai main branch, its IFSC code will be different from a branch in Bengaluru or Delhi.


How to Find Your Kotak Mahindra Bank IFSC Code?

1. Check Your Cheque Book or Passbook

Every Kotak cheque leaf has the IFSC code printed on the top or bottom, usually beside the branch address. Passbooks also mention it on the first page.

2. Kotak Mahindra Bank Net Banking & Mobile Apps

  • Login to your Kotak net banking or mobile app.
  • Go to Account Details.
  • You’ll see the IFSC code along with your branch address.

3. Bank Branch or Customer Care

Call Kotak’s toll-free customer support or visit your home branch. Staff will confirm the IFSC code for your account.

4. Online IFSC Code Finder Tools

  • Use Kotak’s official IFSC code directory.
  • Reputed financial marketplaces (like Paisabazaar, BankBazaar) also offer easy ways to locate branch IFSC codes.

5. UPI Apps and Payment Apps

During fund transfers, UPI apps like Google Pay, PhonePe, or Paytm auto-populate the IFSC code once you select the bank and branch.


When Do You Need a Kotak Mahindra Bank IFSC Code?

You need it mainly for:

  • NEFT/RTGS/IMPS transfers—Sending or receiving money across banks
  • Bill payments via internet banking
  • Loan repayments or EMI payments to your Kotak account
  • Setting up auto-debit instructions from other banks to your Kotak account
  • Salary or vendor payments where your Kotak bank account is involved

How to Use Kotak Mahindra IFSC Code for Online Transactions?

Step-by-step Guide for NEFT/RTGS/IMPS:

  1. Log in to your internet or mobile banking app.
  2. Add a beneficiary by entering:
    • Account holder’s name
    • Kotak Mahindra Bank account number
    • Correct IFSC code
  3. Enter the transfer amount and approve the transaction.
  4. Your bank processes the request securely and instantly (especially via IMPS or UPI).
  5. Save the beneficiary for easier repeat payments.

Pro Tips:

  • Double-check the IFSC code—using the wrong code may lead to failed or misrouted transactions.
  • Kotak’s IFSC codes change only if the branch shifts location or merges. Always check the latest code before large or critical payments.

Table of Common Kotak Mahindra Bank IFSC Codes (2025 Update)

CityBranchIFSC Code
MumbaiFort BranchKKBK0000958
DelhiConnaught PlaceKKBK0000172
BengaluruKoramangalaKKBK0000422
HyderabadBanjara HillsKKBK0000785
ChennaiAnna SalaiKKBK0000110
PuneDeccan GymkhanaKKBK0000265
KolkataSalt LakeKKBK0000278

Always verify the code on Kotak’s website, as branch codes may change over time.


What Happens If You Use the Wrong IFSC Code?

Is Your Money Safe?

  • If the account number is correct but IFSC is wrong, most often, the transaction fails and money is refunded within 2-3 working days.
  • If both the account number and IFSC point to a valid but unintended account, the funds may be credited to a different person, making recovery challenging.

How to Fix Mistakes?

  • Contact Kotak Mahindra Bank’s customer care immediately.
  • File a written complaint with both sending and receiving banks.
  • Monitor refund status through your email or SMS alerts.

Real-World Tips (From Daily Banking in 2025)

  • IFSC codes haven’t changed despite UPI’s rise. You still need them for all non-UPI digital payments or when registering new beneficiaries.
  • Corporate payroll teams protect employee salaries by double-checking IFSC codes in mass payment files.
  • Online marketplaces and e-commerce sellers link their Kotak accounts using the correct IFSC for quick, trouble-free settlements.
  • NRIs sending money home often need IFSC codes when using foreign remittance services connecting to Indian banks.

Changing or Updating Your Kotak Mahindra IFSC Code

When will the code change?

  • If your home branch merges or moves location.
  • After bank-wide restructuring listed by Kotak or RBI.
  • Rarely, due to system upgrades or regulatory directives.

Always get a written communication or SMS/email from Kotak before updating any beneficiary IFSC code for regular payments.


List: Dos and Don’ts for Using Kotak Mahindra IFSC Codes

Dos:

  • Always use the official Kotak website or app for code verification.
  • Match both account number and IFSC code before confirming transfers.
  • Update payment records after bank intimation of IFSC code change.
  • Save frequently used IFSC codes in your contact notes or phone securely.

Don’ts:

  • Don’t rely on old or copied IFSC codes from random web lists.
  • Never share your bank credentials with others while searching for IFSC codes.
  • Don’t ignore SMS/email alerts about branch relocations or mergers.

Comparing IFSC, SWIFT, and MICR Codes

PurposeIFSC CodeSWIFT CodeMICR Code
Domestic money transfersYesNoNo
International transfersNoYesNo
Cheque processingNoNoYes
Format ExampleKKBK0000161KKBKINBB110485003

You’ll use IFSC codes for domestic transfers, SWIFT codes for international remittances, and MICR codes for traditional cheque clearing.


How Do E-commerce and Online Marketplaces Use IFSC Codes?

Digital sellers on Amazon, Flipkart, and others, as well as gig economy workers, rely on their Kotak Mahindra Bank IFSC code to:

  • Receive quick payouts from platform partners
  • Register as sellers or service providers
  • Enjoy seamless, automated settlements directly to their Kotak account

This highlights the everyday relevance of getting your IFSC code right.


Is There an Expiry Date for a Kotak Bank IFSC Code?

No, an IFSC code remains valid as long as the branch exists at the registered location. If there’s a merger, relocation, or regulatory change, Kotak will inform you of a code update.


TL;DR & Quick Recap on Kotak Mahindra Bank IFSC Code

  • Kotak Mahindra Bank IFSC code is essential for all digital domestic bank transfers—NEFT, RTGS, IMPS.
  • It’s an 11-character code in the format: ‘KKBK0xxxxxx’.
  • Get your code via passbook, net banking app, cheque, official website, or customer care.
  • Using the wrong IFSC can delay your transaction or cause misrouting—always double-check!
  • E-commerce, payroll, and bill payments routinely depend on the right IFSC.
  • Codes rarely change—if they do, Kotak will notify you in advance.

People Also Ask (FAQs)

Q1. Is the IFSC code the same as the branch code for Kotak Mahindra Bank?
No, the IFSC code includes the branch code but is a unique identifier per branch used for online transfers. The branch code is part of the IFSC code’s 6-digit ending.

Q2. Can I use any IFSC code for my online money transfer?
No, you must use the IFSC code specific to the recipient’s branch. Using the wrong IFSC may result in transfer failure or delays.

Q3. How do I update my IFSC code if my branch changes?
You’ll receive a notification from Kotak if your branch is relocated or merged. Update payment instructions and beneficiaries accordingly with the new IFSC.

Q4. What should I do if I have forgotten my branch’s IFSC code?
Check your passbook, cheque book, Kotak net banking or call customer care. Also, the official branch locator page lists updated IFSC codes.

Q5. Is it possible for two Kotak branches to have the same IFSC code?
No, each participating branch has a unique IFSC code, though merged branches may sometimes share a code post-merger.

Knowing your Kotak Mahindra Bank IFSC code keeps your digital banking smooth and error-free in 2025 and beyond. Always stay updated with official sources for safety and speed!

Why Choose Fincover®?

💸
Instant Personal Loan Offers
Pre-approved & 100% online process
🛡️
Wide Insurance Choices
Compare health, life & car plans
📊
Mutual Funds & Investing
Zero commission plans
🏦
Expert Wealth Management
Personalised goal-based planning
Get it on Google Play

Get Started with Fincover®

Download our app and explore loans, insurance, and investments – all in one place.