IFSC Code of Kotak Mahindra Bank Limited, Ahmadnagar Rahta Branch Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kotak Mahindra Bank Limited, AHMADNAGAR RAHTA BRANCH branch in BHAGWATIPUR. The 11-digit IFSC KKBK0002031 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 AHMADNAGAR RAHTA BRANCH 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, KKBK0002031 is the IFSC of Kotak Mahindra Bank Limited's AHMADNAGAR RAHTA BRANCH branch. The format is fixed: KKBK = bank code, 0 = reserved, 002031 = branch identifier.

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 Ahmadnagar Rahta Branch branch in Bhagwatipur, Maharashtra is part of this network and uses the IFSC code KKBK0002031 for all electronic settlement.

Branch details at a glance

Ahmadnagar Rahta Branch branch overview

Located at SHOP NO 1 AND 2 GR JIJAU COMPLEX MILKAT NO 1012 BHAGWATIPUR KOLHAR KHD RAHTA AHMADNAGAR MH 413710, the Ahmadnagar Rahta Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KKBK0002031 is required for all interbank electronic transfers routed through this branch.

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 AHMADNAGAR RAHTA BRANCH branch came to be assigned the code KKBK0002031.

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 KKBK0002031, money simply cannot be routed to the AHMADNAGAR RAHTA BRANCH branch electronically.

Products and account variants supported

Every account opened at the Ahmadnagar Rahta Branch branch is mapped to IFSC KKBK0002031 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 KKBK0002031.

Products and services

Customers walking into the Ahmadnagar Rahta Branch branch can access most of Kotak Mahindra Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC KKBK0002031

How to transfer money using IFSC KKBK0002031

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 KKBK0002031 across all three.

NEFT to Kotak Mahindra Bank Limited, AHMADNAGAR RAHTA BRANCH using IFSC KKBK0002031

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 KKBK0002031, and confirm that the system picks up Kotak Mahindra Bank Limited – AHMADNAGAR RAHTA BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KKBK0002031

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Kotak Mahindra Bank Limited – AHMADNAGAR RAHTA BRANCH, ensure your bank's portal accepts IFSC KKBK0002031 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Kotak Mahindra Bank Limited AHMADNAGAR RAHTA BRANCH (IFSC KKBK0002031)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0002031 in your mobile or internet banking app, and the money is credited to the AHMADNAGAR RAHTA BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ahmadnagar Rahta Branch

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 KKBK0002031:

• 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 AHMADNAGAR RAHTA BRANCH is still linked to IFSC KKBK0002031.

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.

UPI payments and IFSC KKBK0002031

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 – AHMADNAGAR RAHTA BRANCH is still mapped to IFSC KKBK0002031. 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 KKBK0002031 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Ahmadnagar Rahta Branch 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 KKBK0002031 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.

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 KKBK0002031 and the account number together uniquely identify the Ahmadnagar Rahta Branch 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 – AHMADNAGAR RAHTA BRANCH:

• The IFSC is exactly KKBK0002031 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 AHMADNAGAR RAHTA BRANCH 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 Ahmadnagar Rahta Branch branch sits at SHOP NO 1 AND 2 GR JIJAU COMPLEX MILKAT NO 1012 BHAGWATIPUR KOLHAR KHD RAHTA AHMADNAGAR MH 413710. If you are travelling from outside Bhagwatipur, 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 KKBK0002031 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK0002031 for Kotak Mahindra Bank Limited – AHMADNAGAR RAHTA BRANCH, 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 Ahmadnagar Rahta Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0002031, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0002031 belongs to Kotak Mahindra Bank Limited's AHMADNAGAR RAHTA BRANCH branch, located at SHOP NO 1 AND 2 GR JIJAU COMPLEX MILKAT NO 1012 BHAGWATIPUR KOLHAR KHD RAHTA… in BHAGWATIPUR, MAHARASHTRA. 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.