This page lists the IFSC code, branch address, contact number and fund-transfer information for Kotak Mahindra Bank Limited, CHHAPRA branch in CHHAPRA. The 11-digit IFSC KKBK0002809 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 CHHAPRA 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 CHHAPRA branch, the IFSC KKBK0002809 breaks down as follows: KKBK identifies the bank, 0 is the reserved character, and 002809 identifies this particular branch.
Branch details at a glance
| Bank Name | Kotak Mahindra Bank Limited |
|---|---|
| Branch | Chhapra |
| IFSC Code | KKBK0002809 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KOTAK MAHINDRA BANK LTD 4 AND 5 ABHISHEK INDUSTRIAL AREA KALAWAD ROAD CHHAPRA 360021 GUJARAT |
| City | Chhapra |
| District | Rajkot |
| State | Gujarat |
| STD Code | 1860 |
| Phone | 2662666 |
About Kotak Mahindra Bank Limited
Kotak Mahindra Bank Limited operates a wide network of branches across India, including the Chhapra branch in Chhapra. 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, KKBK0002809.
About this branch
The branch is located at KOTAK MAHINDRA BANK LTD 4 AND 5 ABHISHEK INDUSTRIAL AREA KALAWAD ROAD CHHAPRA 360021 GUJARAT. It serves the Chhapra 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 KKBK0002809 is used to identify this branch on the RBI payments network.
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 CHHAPRA branch came to be assigned the code KKBK0002809.
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 KKBK0002809, money simply cannot be routed to the CHHAPRA branch electronically.
How to transfer money using IFSC KKBK0002809
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 KKBK0002809 across all three.
NEFT to Kotak Mahindra Bank Limited, CHHAPRA using IFSC KKBK0002809
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 KKBK0002809, and confirm that the system picks up Kotak Mahindra Bank Limited – CHHAPRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHHAPRA
If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's CHHAPRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0002809 while initiating the transfer and the credit will appear within minutes.
IMPS to Kotak Mahindra Bank Limited CHHAPRA (IFSC KKBK0002809)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0002809 in your mobile or internet banking app, and the money is credited to the CHHAPRA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC KKBK0002809 for Kotak Mahindra Bank Limited – CHHAPRA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – KKBK0002809 | Yes – KKBK0002809 | Yes – KKBK0002809 |
For most retail customers crediting the Chhapra branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
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 CHHAPRA branch, the IFSC KKBK0002809 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.
Account types you can open at the Chhapra branch
Once you have an account at Kotak Mahindra Bank Limited – CHHAPRA, the IFSC KKBK0002809 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.
Banking services available
The Chhapra 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 KKBK0002809
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 KKBK0002809 and the account number together uniquely identify the Chhapra branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC KKBK0002809
Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHHAPRA 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 KKBK0002809 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.
Common mistakes to avoid when using IFSC KKBK0002809
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 – CHHAPRA, 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:
KKBK0002809. - 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.
How to reach the Chhapra branch
The branch is located at KOTAK MAHINDRA BANK LTD 4 AND 5 ABHISHEK INDUSTRIAL AREA KALAWAD ROAD CHHAPRA 360021 GUJARAT, which puts it inside Chhapra, the broader Rajkot district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Chhapra branch” — the verified location pin for IFSC KKBK0002809 should appear at the top of the results.
- Confirm the branch is open by calling 1860-2662666 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC KKBK0002809 and your account number.
Verifying IFSC KKBK0002809 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 KKBK0002809 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 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 Chhapra branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0002809, however, work 24x7.
Branch address & contact
Kotak Mahindra Bank LimitedChhapra Branch
KOTAK MAHINDRA BANK LTD 4 AND 5 ABHISHEK INDUSTRIAL AREA KALAWAD ROAD CHHAPRA 360021 GUJARAT
Chhapra, Gujarat
Phone: 1860-2662666
IFSC: KKBK0002809
Frequently asked questions
Is IFSC KKBK0002809 the same for all accounts at Chhapra branch?
Yes. The IFSC KKBK0002809 is shared by every account held at Kotak Mahindra Bank Limited's Chhapra branch. Only the account number changes from customer to customer.
Does Kotak Mahindra Bank Limited Chhapra branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1860-2662666 to confirm.
Where is Kotak Mahindra Bank Limited Chhapra branch located?
Kotak Mahindra Bank Limited's Chhapra branch is located at KOTAK MAHINDRA BANK LTD 4 AND 5 ABHISHEK INDUSTRIAL AREA KALAWAD ROAD CHHAPRA 360021 GUJARAT, Chhapra, Gujarat.
Is IFSC KKBK0002809 valid for NEFT and RTGS?
Yes. IFSC KKBK0002809 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Kotak Mahindra Bank Limited Chhapra branch?
The IFSC code of Kotak Mahindra Bank Limited, Chhapra branch is KKBK0002809. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Kotak Mahindra Bank Limited Chhapra branch?
You can reach the branch at 1860-2662666 during regular banking hours.
Can I use IFSC KKBK0002809 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KKBK0002809 to send funds instantly.
How quickly will an NEFT transfer using KKBK0002809 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Kotak Mahindra Bank Limited – Chhapra reflect within 30 minutes.
Summary
The IFSC code KKBK0002809 belongs to Kotak Mahindra Bank Limited's CHHAPRA branch, located at KOTAK MAHINDRA BANK LTD 4 AND 5 ABHISHEK INDUSTRIAL AREA KALAWAD ROAD CHHAPRA… in CHHAPRA, GUJARAT. 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.
