IFSC Code of Kotak Mahindra Bank Limited, Bangalore -Jp Nagar Seventh Phase Branch, Karnataka

Below are the complete branch details for Kotak Mahindra Bank Limited, BANGALORE -JP NAGAR SEVENTH PHASE branch, located in BANGALORE, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is KKBK0008128. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case KKBK0008128 for Kotak Mahindra Bank Limited – BANGALORE -JP NAGAR SEVENTH PHASE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 Kotak Mahindra Bank Limited's BANGALORE -JP NAGAR SEVENTH PHASE branch, the IFSC KKBK0008128 breaks down as follows: KKBK identifies the bank, 0 is the reserved character, and 008128 identifies this particular branch.

Branch details at a glance

Bank profile

Kotak Mahindra Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bangalore -Jp Nagar Seventh Phase branch — IFSC KKBK0008128 — extends the bank's services to customers in and around Bangalore, Karnataka.

About the Bangalore -Jp Nagar Seventh Phase branch

The Bangalore -Jp Nagar Seventh Phase branch of Kotak Mahindra Bank Limited is situated at UPPER GROUND FLOOR, SHOP NO 5 & 6, SAI SUMUKHA CLASSIC, JP NAGAR 7TH PHASE, J P NAGAR, BANGALORE - 560078. 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 KKBK0008128 is used.

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 BANGALORE -JP NAGAR SEVENTH PHASE branch came to be assigned the code KKBK0008128.

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 KKBK0008128, money simply cannot be routed to the BANGALORE -JP NAGAR SEVENTH PHASE branch electronically.

How to transfer money using IFSC KKBK0008128

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 KKBK0008128 across all three.

How to use IFSC KKBK0008128 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's BANGALORE -JP NAGAR SEVENTH PHASE 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 KKBK0008128.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as BANGALORE -JP NAGAR SEVENTH PHASE.
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 BANGALORE -JP NAGAR SEVENTH PHASE

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's BANGALORE -JP NAGAR SEVENTH PHASE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0008128 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited BANGALORE -JP NAGAR SEVENTH PHASE (IFSC KKBK0008128)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0008128 in your mobile or internet banking app, and the money is credited to the BANGALORE -JP NAGAR SEVENTH PHASE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bangalore -Jp Nagar Seventh Phase

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC KKBK0008128:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at BANGALORE -JP NAGAR SEVENTH PHASE is still linked to IFSC KKBK0008128.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 Kotak Mahindra Bank Limited's BANGALORE -JP NAGAR SEVENTH PHASE branch, the IFSC KKBK0008128 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.

Account types you can open at the Bangalore -Jp Nagar Seventh Phase branch

Once you have an account at Kotak Mahindra Bank Limited – BANGALORE -JP NAGAR SEVENTH PHASE, the IFSC KKBK0008128 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Bangalore -Jp Nagar Seventh Phase branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1860-2662666.

• 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 KKBK0008128

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Kotak Mahindra Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC KKBK0008128 and the account number together uniquely identify the Bangalore -Jp Nagar Seventh Phase branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Bangalore -Jp Nagar Seventh Phase 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 KKBK0008128 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.

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 Kotak Mahindra Bank Limited – BANGALORE -JP NAGAR SEVENTH PHASE:

• The IFSC is exactly KKBK0008128 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Kotak Mahindra Bank Limited as the bank name and BANGALORE -JP NAGAR SEVENTH PHASE 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 Bangalore -Jp Nagar Seventh Phase branch sits at UPPER GROUND FLOOR, SHOP NO 5 & 6, SAI SUMUKHA CLASSIC, JP NAGAR 7TH PHASE, J P NAGAR, BANGALORE - 560078. If you are travelling from outside Bangalore, search for the branch on a maps application using the bank name and locality, or call 1860-2662666 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 KKBK0008128 and your account number.

Verifying IFSC KKBK0008128 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 KKBK0008128 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1860-2662666.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Bangalore -Jp Nagar Seventh Phase 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 KKBK0008128 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0008128 belongs to Kotak Mahindra Bank Limited's BANGALORE -JP NAGAR SEVENTH PHASE branch, located at UPPER GROUND FLOOR, SHOP NO 5 & 6, SAI SUMUKHA CLASSIC, JP NAGAR 7TH PHASE, J… in BANGALORE, KARNATAKA. 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.