IFSC Code of Kotak Mahindra Bank Limited, The Neyyattinkara Co Op Urban Bk Ltd Balaramapuram Me Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kotak Mahindra Bank Limited, THE NEYYATTINKARA CO OP URBAN BK LTD BALARAMAPURAM ME branch in BALARAMAPURAM. The 11-digit IFSC KKBK0NTCUB4 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Kotak Mahindra Bank Limited at the THE NEYYATTINKARA CO OP URBAN BK LTD BALARAMAPURAM ME location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, KKBK0NTCUB4 is the IFSC of Kotak Mahindra Bank Limited's THE NEYYATTINKARA CO OP URBAN BK LTD BALARAMAPURAM ME branch. The format is fixed: KKBK = bank code, 0 = reserved, NTCUB4 = branch identifier.

About Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited operates a wide network of branches across India, including the The Neyyattinkara Co Op Urban Bk Ltd Balaramapuram Me branch in Balaramapuram. 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, KKBK0NTCUB4.

About this branch

The branch is located at THE NEYYATTINKARA CO OPERATIVE URBAN BANK LTD 931 BALARAMAPURAM M AND E BRANCH BALARAMAPURAM. It serves the Balaramapuram region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Kotak Mahindra Bank Limited. The IFSC KKBK0NTCUB4 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 Kotak Mahindra Bank Limited's THE NEYYATTINKARA CO OP URBAN BK LTD BALARAMAPURAM ME branch came to be assigned the code KKBK0NTCUB4.

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 KKBK0NTCUB4, money simply cannot be routed to the THE NEYYATTINKARA CO OP URBAN BK LTD BALARAMAPURAM ME branch electronically.

MICR & cheque-truncation details

Cheques drawn on the The Neyyattinkara Co Op Urban Bk Ltd Balaramapuram Me branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0NTCUB4 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC KKBK0NTCUB4

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 KKBK0NTCUB4 across all three.

How to use IFSC KKBK0NTCUB4 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's THE NEYYATTINKARA CO OP URBAN BK LTD BALARAMAPURAM ME 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 KKBK0NTCUB4.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as THE NEYYATTINKARA CO OP URBAN BK LTD BALARAMAPURAM ME.
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 THE NEYYATTINKARA CO OP URBAN BK LTD BALARAMAPURAM ME

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's THE NEYYATTINKARA CO OP URBAN BK LTD BALARAMAPURAM ME branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0NTCUB4 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Kotak Mahindra Bank Limited – THE NEYYATTINKARA CO OP URBAN BK LTD BALARAMAPURAM ME, use IMPS. With IFSC KKBK0NTCUB4 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC KKBK0NTCUB4 for Kotak Mahindra Bank Limited – THE NEYYATTINKARA CO OP URBAN BK LTD BALARAMAPURAM ME, 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 The Neyyattinkara Co Op Urban Bk Ltd Balaramapuram Me 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 KKBK0NTCUB4

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 Kotak Mahindra Bank Limited – THE NEYYATTINKARA CO OP URBAN BK LTD BALARAMAPURAM ME is still mapped to IFSC KKBK0NTCUB4. 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 KKBK0NTCUB4 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Neyyattinkara Co Op Urban Bk Ltd Balaramapuram Me branch is mapped to IFSC KKBK0NTCUB4 on the RBI payments network. The branch generally supports the full retail product catalogue of Kotak Mahindra 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 KKBK0NTCUB4.

Banking services available

The The Neyyattinkara Co Op Urban Bk Ltd Balaramapuram Me branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 471-2400431.

• 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 KKBK0NTCUB4

Online banking and IFSC KKBK0NTCUB4

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the THE NEYYATTINKARA CO OP URBAN BK LTD BALARAMAPURAM ME 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 KKBK0NTCUB4 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.

How to reach the The Neyyattinkara Co Op Urban Bk Ltd Balaramapuram Me branch

The branch is located at THE NEYYATTINKARA CO OPERATIVE URBAN BANK LTD 931 BALARAMAPURAM M AND E BRANCH BALARAMAPURAM, which puts it inside Balaramapuram, the broader Thiruvananthapuram district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited The Neyyattinkara Co Op Urban Bk Ltd Balaramapuram Me branch” — the verified location pin for IFSC KKBK0NTCUB4 should appear at the top of the results.
2. Confirm the branch is open by calling 471-2400431 before stepping out, especially around public holidays.
3. 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 KKBK0NTCUB4 and your account number.

Common mistakes to avoid when using IFSC KKBK0NTCUB4

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 Kotak Mahindra Bank Limited – THE NEYYATTINKARA CO OP URBAN BK LTD BALARAMAPURAM ME, 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: KKBK0NTCUB4.
• 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.

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 The Neyyattinkara Co Op Urban Bk Ltd Balaramapuram Me branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0NTCUB4, however, work 24x7.

Verifying IFSC KKBK0NTCUB4 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm KKBK0NTCUB4 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 471-2400431.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0NTCUB4 belongs to Kotak Mahindra Bank Limited's THE NEYYATTINKARA CO OP URBAN BK LTD BALARAMAPURAM ME branch, located at THE NEYYATTINKARA CO OPERATIVE URBAN BANK LTD 931 BALARAMAPURAM M AND E BRANCH… in BALARAMAPURAM, KERALA. 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.