IFSC Code of Kotak Mahindra Bank Limited, Bangalore - Sarjapura Road Branch, Karnataka

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's BANGALORE - SARJAPURA ROAD branch in BANGALORE, KARNATAKA. The branch's IFSC code KKBK0009807 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Kotak Mahindra Bank Limited – BANGALORE - SARJAPURA ROAD is KKBK0009807. The first four letters KKBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 009807 map to this branch in BANGALORE, KARNATAKA.

About the bank

Kotak Mahindra Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bangalore - Sarjapura Road branch in Bangalore, Karnataka is part of this network and uses the IFSC code KKBK0009807 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at KOTAK MAHINDRA BANK LTD, SANDS GATEWAY, NO. 520/4, KATHA, NO.2224/1120, SARJAPURA MAIN ROOD, BANGALORE 562125. KARNATAKA. It serves the Bangalore 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 KKBK0009807 is used to identify this branch on the RBI payments network.

Why every Kotak Mahindra Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including BANGALORE - SARJAPURA ROAD of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0009807 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC KKBK0009807 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Bangalore - Sarjapura Road branch

Once you have an account at Kotak Mahindra Bank Limited – BANGALORE - SARJAPURA ROAD, the IFSC KKBK0009807 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 - Sarjapura Road 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 KKBK0009807

How to transfer money using IFSC KKBK0009807

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 KKBK0009807 across all three.

NEFT to Kotak Mahindra Bank Limited, BANGALORE - SARJAPURA ROAD using IFSC KKBK0009807

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 KKBK0009807, and confirm that the system picks up Kotak Mahindra Bank Limited – BANGALORE - SARJAPURA ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BANGALORE - SARJAPURA ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's BANGALORE - SARJAPURA ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0009807 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited BANGALORE - SARJAPURA ROAD (IFSC KKBK0009807)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0009807 in your mobile or internet banking app, and the money is credited to the BANGALORE - SARJAPURA ROAD branch account within seconds.

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

All three modes accept the IFSC KKBK0009807 for Kotak Mahindra Bank Limited – BANGALORE - SARJAPURA ROAD, 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 Bangalore - Sarjapura Road 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 KKBK0009807

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 – BANGALORE - SARJAPURA ROAD is still mapped to IFSC KKBK0009807. 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 KKBK0009807 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KKBK0009807

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BANGALORE - SARJAPURA ROAD 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 KKBK0009807 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.

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 KKBK0009807 and the account number together uniquely identify the Bangalore - Sarjapura Road 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 Kotak Mahindra Bank Limited – BANGALORE - SARJAPURA ROAD:

• The IFSC is exactly KKBK0009807 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 - SARJAPURA ROAD 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 - Sarjapura Road branch sits at KOTAK MAHINDRA BANK LTD, SANDS GATEWAY, NO. 520/4, KATHA, NO.2224/1120, SARJAPURA MAIN ROOD, BANGALORE 562125. KARNATAKA. 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 KKBK0009807 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK0009807 for Kotak Mahindra Bank Limited – BANGALORE - SARJAPURA ROAD, 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 Bangalore - Sarjapura Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0009807, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KKBK0009807 is the IFSC code of Kotak Mahindra Bank Limited, BANGALORE - SARJAPURA ROAD branch, in BANGALORE, KARNATAKA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.