IFSC Code of Kotak Mahindra Bank Limited, Cherukole Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kotak Mahindra Bank Limited, CHERUKOLE branch in CHERUKOLE. The 11-digit IFSC KKBK0009293 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 CHERUKOLE 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.

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 CHERUKOLE branch, the IFSC KKBK0009293 breaks down as follows: KKBK identifies the bank, 0 is the reserved character, and 009293 identifies this particular branch.

Bank profile

Kotak Mahindra Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Cherukole branch — IFSC KKBK0009293 — extends the bank's services to customers in and around Cherukole, Kerala.

Branch details at a glance

About the Cherukole branch

The Cherukole branch of Kotak Mahindra Bank Limited is situated at KOTAK MAHINDRA BANK LTD, KURUMTHOTTICKAL BUILDING, OPP AVG MOTORS, CHERUKOLE - RANNI ROAD, COLLEGE JUNCTION, KOZHENCHERRY - 689641, KERALA. 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 KKBK0009293 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 CHERUKOLE of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0009293 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 KKBK0009293 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 Cherukole branch is mapped to IFSC KKBK0009293 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 KKBK0009293.

Banking services available

The Cherukole 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 KKBK0009293

How to transfer money using IFSC KKBK0009293

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 KKBK0009293 across all three.

NEFT to Kotak Mahindra Bank Limited, CHERUKOLE using IFSC KKBK0009293

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 KKBK0009293, and confirm that the system picks up Kotak Mahindra Bank Limited – CHERUKOLE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHERUKOLE

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's CHERUKOLE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0009293 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 – CHERUKOLE, use IMPS. With IFSC KKBK0009293 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 Cherukole

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 KKBK0009293:

• 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 CHERUKOLE is still linked to IFSC KKBK0009293.

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 KKBK0009293

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 – CHERUKOLE is still mapped to IFSC KKBK0009293. 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 KKBK0009293 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 Cherukole 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 KKBK0009293 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 & cheque-truncation details

Cheques drawn on the Cherukole branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0009293 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 KKBK0009293

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 – CHERUKOLE, 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: KKBK0009293.
• 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 Cherukole branch sits at KOTAK MAHINDRA BANK LTD, KURUMTHOTTICKAL BUILDING, OPP AVG MOTORS, CHERUKOLE - RANNI ROAD, COLLEGE JUNCTION, KOZHENCHERRY - 689641, KERALA. If you are travelling from outside Cherukole, 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 KKBK0009293 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK0009293 for Kotak Mahindra Bank Limited – CHERUKOLE, 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 Cherukole 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 KKBK0009293 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KKBK0009293 is the IFSC code of Kotak Mahindra Bank Limited, CHERUKOLE branch, in CHERUKOLE, KERALA. 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.