IFSC Code of Kotak Mahindra Bank Limited, Santhome Chennai Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's SANTHOME CHENNAI branch in CHENNAI, TAMIL NADU. The branch's IFSC code KKBK0008492 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.

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 SANTHOME CHENNAI branch, the IFSC KKBK0008492 breaks down as follows: KKBK identifies the bank, 0 is the reserved character, and 008492 identifies this particular branch.

About Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited operates a wide network of branches across India, including the Santhome Chennai branch in Chennai. 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, KKBK0008492.

About this branch

The branch is located at 38 SANTHOME HIGH ROAD SANTHOME CHENNAI 600004. It serves the Chennai 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 KKBK0008492 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 SANTHOME CHENNAI of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0008492 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 KKBK0008492 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Santhome Chennai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0008492 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC KKBK0008492

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 KKBK0008492 across all three.

How to use IFSC KKBK0008492 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's SANTHOME CHENNAI 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 KKBK0008492.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as SANTHOME CHENNAI.
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 SANTHOME CHENNAI

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's SANTHOME CHENNAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0008492 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Kotak Mahindra Bank Limited – SANTHOME CHENNAI, use IMPS. With IFSC KKBK0008492 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 Santhome Chennai

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 KKBK0008492:

• 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 SANTHOME CHENNAI is still linked to IFSC KKBK0008492.

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 KKBK0008492

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 – SANTHOME CHENNAI is still mapped to IFSC KKBK0008492. 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 KKBK0008492 and the beneficiary's account number to complete the transfer.

Account types you can open at the Santhome Chennai branch

Once you have an account at Kotak Mahindra Bank Limited – SANTHOME CHENNAI, the IFSC KKBK0008492 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.

Products and services

Customers walking into the Santhome Chennai 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 KKBK0008492

Digital banking channels

Most day-to-day work that customers used to do at the Santhome Chennai 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 KKBK0008492 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.

Reaching the branch

The Santhome Chennai branch sits at 38 SANTHOME HIGH ROAD SANTHOME CHENNAI 600004. If you are travelling from outside Chennai, 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 KKBK0008492 and your account number.

Common mistakes to avoid when using IFSC KKBK0008492

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 – SANTHOME CHENNAI, 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: KKBK0008492.
• 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.

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 Santhome Chennai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0008492, however, work 24x7.

Verifying IFSC KKBK0008492 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 KKBK0008492 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0008492 belongs to Kotak Mahindra Bank Limited's SANTHOME CHENNAI branch, located at 38 SANTHOME HIGH ROAD SANTHOME CHENNAI 600004 in CHENNAI, TAMIL NADU. 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.