IFSC Code of Kotak Mahindra Bank Limited, Chandigarh Sector Twenty Seven Branch Branch, Chandigarh

Below are the complete branch details for Kotak Mahindra Bank Limited, CHANDIGARH SECTOR TWENTY SEVEN BRANCH branch, located in CHANDIGARH, CHANDIGARH. The IFSC assigned by the Reserve Bank of India to this branch is KKBK0004201. 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 KKBK0004201 for Kotak Mahindra Bank Limited – CHANDIGARH SECTOR TWENTY SEVEN BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, KKBK0004201 is the IFSC of Kotak Mahindra Bank Limited's CHANDIGARH SECTOR TWENTY SEVEN BRANCH branch. The format is fixed: KKBK = bank code, 0 = reserved, 004201 = branch identifier.

About Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited operates a wide network of branches across India, including the Chandigarh Sector Twenty Seven Branch branch in Chandigarh. 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, KKBK0004201.

Branch details at a glance

About the Chandigarh Sector Twenty Seven Branch branch

The Chandigarh Sector Twenty Seven Branch branch of Kotak Mahindra Bank Limited is situated at CHANDIGARH SECTOR 27 D. GROUND FLOOR, SCO NO.2, SECTOR 27 D, CHANDIGARH, PIN 160019. 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 KKBK0004201 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 CHANDIGARH SECTOR TWENTY SEVEN BRANCH branch came to be assigned the code KKBK0004201.

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 KKBK0004201, money simply cannot be routed to the CHANDIGARH SECTOR TWENTY SEVEN BRANCH branch electronically.

Products and account variants supported

Every account opened at the Chandigarh Sector Twenty Seven Branch branch is mapped to IFSC KKBK0004201 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 KKBK0004201.

Banking services available

The Chandigarh Sector Twenty Seven Branch 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 KKBK0004201

How to transfer money using IFSC KKBK0004201

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 KKBK0004201 across all three.

NEFT to Kotak Mahindra Bank Limited, CHANDIGARH SECTOR TWENTY SEVEN BRANCH using IFSC KKBK0004201

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 KKBK0004201, and confirm that the system picks up Kotak Mahindra Bank Limited – CHANDIGARH SECTOR TWENTY SEVEN BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KKBK0004201

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 – CHANDIGARH SECTOR TWENTY SEVEN BRANCH, ensure your bank's portal accepts IFSC KKBK0004201 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 – CHANDIGARH SECTOR TWENTY SEVEN BRANCH, use IMPS. With IFSC KKBK0004201 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 Chandigarh Sector Twenty Seven 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 KKBK0004201:

• 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 CHANDIGARH SECTOR TWENTY SEVEN BRANCH is still linked to IFSC KKBK0004201.

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 KKBK0004201

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 – CHANDIGARH SECTOR TWENTY SEVEN BRANCH is still mapped to IFSC KKBK0004201. 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 KKBK0004201 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KKBK0004201

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHANDIGARH SECTOR TWENTY SEVEN BRANCH 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 KKBK0004201 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 Chandigarh Sector Twenty Seven Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0004201 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 KKBK0004201

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 – CHANDIGARH SECTOR TWENTY SEVEN BRANCH, 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: KKBK0004201.
• 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 Chandigarh Sector Twenty Seven Branch branch sits at CHANDIGARH SECTOR 27 D. GROUND FLOOR, SCO NO.2, SECTOR 27 D, CHANDIGARH, PIN 160019. If you are travelling from outside Chandigarh, 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 KKBK0004201 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK0004201 for Kotak Mahindra Bank Limited – CHANDIGARH SECTOR TWENTY SEVEN 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.

Working hours

Branch counters at Chandigarh Sector Twenty Seven Branch 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 KKBK0004201 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0004201 belongs to Kotak Mahindra Bank Limited's CHANDIGARH SECTOR TWENTY SEVEN BRANCH branch, located at CHANDIGARH SECTOR 27 D. GROUND FLOOR, SCO NO.2, SECTOR 27 D, CHANDIGARH, PIN… in CHANDIGARH, CHANDIGARH. 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.