Kotak Mahindra Bank IFSC code

Take the code from something the bank issued, not memory — Kotak re-coded every ING Vysya branch after 2015.

1. 1

   Look at a cheque leaf

   The RBI has advised every member bank to print the branch IFSC on its cheques.

2. 2

   Ask for current beneficiary details

   Have the account holder confirm the complete code from a current bank-issued record.

3. 3

   Use Kotak’s Locate Us page

   It searches by state and city or by PIN code, not by the code itself.

4. 4

   Search the tables here

   Every Kotak code indexed has a page with its branch, address and MICR.

The RBI calls the IFSC “an alpha-numeric code that uniquely identifies a bank-branch”: eleven characters — four for the bank, a zero, six for the branch.

KKBK

Bank code — identical on every Kotak code

0

Always the digit zero, never the letter O

000958

Branch — Mumbai Nariman Point, Mittal Court

Most records use numeric identifiers: 2,348 of 2,539 end in six digits, from 000131 to 009818. Of the 2,299 numeric-suffix records that also have a MICR, 2,297 use 485 in the middle — KKBK0000958 pairs with 400485002.

Kotak’s milestones page dates the merger to 1 April 2015. Its published conversion table contains 586 distinct old VYSA codes and 577 distinct new KKBK codes — including VYSA0001010 becoming KKBK0008047.

Do not infer the new code from the old. Kotak’s replacements run from 001385 to 009529, right across the numbering — there is no ING Vysya block.

This trap has nothing to do with your IFSC. The rails never close — NEFT runs 24x7x365, RTGS too since December 14, 2020. Kotak’s own windows do.

RTGS has its own blackout — Kotak lists it as available 24/7 “except 11.30 PM to 00:30 AM, due to cut-off” — and will not carry under ₹2,00,000 anyway. Between 12:30 a.m. and 7:30 a.m. Kotak caps NEFT at ₹50 lakh and RTGS at ₹5 crore. IMPS runs through all of it, addressed by account number and IFSC or by mobile and MMID.

Online, nothing. Kotak’s schedule for the Kotak Everyday Savings Account lists NEFT, RTGS and IMPS through net or mobile banking as nil. The RBI required that of every bank for online NEFT from a savings account “with effect from January 01, 2020”.

Those are Kotak Everyday Savings Account figures, before GST, and may be revised. Check the schedule for the beneficiary account variant before relying on them.

An IFSC will not bring money into India; it is a domestic code. Kotak’s wire transfer page gives the one that will: “Kotak Mahindra Bank Swift Code: KKBKINBB.”

• Beneficiary name and account number as held with Kotak, plus the purpose of the transfer.
• Your own name, overseas account number, email and contact details inside the SWIFT message.
• The fee instruction “Guaranteed OUR” or “Full Pay”, so intermediaries cannot deduct from the amount sent.

Kotak says it credits wires in one to two working days after sight of funds in its correspondent-bank nostro account, and says it charges no wire-transfer fee apart from GST on foreign-currency conversion. Confirm the exchange rate and any sending or intermediary charges before authorizing.

1. 01Read the code aloud: KKBK0 uses the digit zero, never the letter O.
2. 02If it begins VYSA, use Kotak’s published merger mapping and confirm the current KKBK code.
3. 03Check the clock: between 11:30 pm and 12:30 am Kotak accepts nothing online.
4. 04Check the floor: RTGS will not carry under ₹2,00,000. Use NEFT or IMPS.
5. 05If money left and nothing arrived: the RBI requires the destination bank to return an uncreditable NEFT within two hours of its batch.