IFSC Code of Kotak Mahindra Bank Limited, Bhopal Bairagarh Branch, Madhya Pradesh

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's BHOPAL BAIRAGARH branch in BHOPAL, MADHYA PRADESH. The branch's IFSC code KKBK0005893 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.

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, KKBK0005893 is the IFSC of Kotak Mahindra Bank Limited's BHOPAL BAIRAGARH branch. The format is fixed: KKBK = bank code, 0 = reserved, 005893 = 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 Bhopal Bairagarh branch in Bhopal, Madhya Pradesh is part of this network and uses the IFSC code KKBK0005893 for all electronic settlement.

Branch details at a glance

About the Bhopal Bairagarh branch

The Bhopal Bairagarh branch of Kotak Mahindra Bank Limited is situated at GROUND FLOOR 6 AND 7 GAYATRI COLONY MAIN ROAD NEAR RAJDEEP HOSPITAL BAIRAGARH BHOPAL 462030 M P. 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 KKBK0005893 is used.

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 BHOPAL BAIRAGARH of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0005893 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 KKBK0005893 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Bhopal Bairagarh branch is mapped to IFSC KKBK0005893 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 KKBK0005893.

Banking services available

The Bhopal Bairagarh 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 KKBK0005893

How to transfer money using IFSC KKBK0005893

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 KKBK0005893 across all three.

How to use IFSC KKBK0005893 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's BHOPAL BAIRAGARH 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 KKBK0005893.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as BHOPAL BAIRAGARH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KKBK0005893

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 – BHOPAL BAIRAGARH, ensure your bank's portal accepts IFSC KKBK0005893 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Kotak Mahindra Bank Limited – BHOPAL BAIRAGARH, use IMPS. With IFSC KKBK0005893 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Bhopal Bairagarh

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 KKBK0005893:

• 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 BHOPAL BAIRAGARH is still linked to IFSC KKBK0005893.

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 BHOPAL BAIRAGARH branch, the IFSC KKBK0005893 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.

Online banking and IFSC KKBK0005893

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHOPAL BAIRAGARH 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 KKBK0005893 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 & cheque-truncation details

Cheques drawn on the Bhopal Bairagarh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0005893 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC KKBK0005893

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 – BHOPAL BAIRAGARH, 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: KKBK0005893.
• 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.

Reaching the branch

The Bhopal Bairagarh branch sits at GROUND FLOOR 6 AND 7 GAYATRI COLONY MAIN ROAD NEAR RAJDEEP HOSPITAL BAIRAGARH BHOPAL 462030 M P. If you are travelling from outside Bhopal, 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 KKBK0005893 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK0005893 for Kotak Mahindra Bank Limited – BHOPAL BAIRAGARH, 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 Bhopal Bairagarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0005893, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0005893 belongs to Kotak Mahindra Bank Limited's BHOPAL BAIRAGARH branch, located at GROUND FLOOR 6 AND 7 GAYATRI COLONY MAIN ROAD NEAR RAJDEEP HOSPITAL BAIRAGARH… in BHOPAL, MADHYA PRADESH. 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.