IFSC Code of Kotak Mahindra Bank Limited, Chhatrapati Sambhaji Nagar Nirala Bazar Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kotak Mahindra Bank Limited, CHHATRAPATI SAMBHAJI NAGAR NIRALA BAZAR branch in CHHATRAPATI SAMBHAJI NAGAR NIRALA BAZAR. The 11-digit IFSC KKBK0001946 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 CHHATRAPATI SAMBHAJI NAGAR NIRALA BAZAR 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.

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, KKBK0001946 is the IFSC of Kotak Mahindra Bank Limited's CHHATRAPATI SAMBHAJI NAGAR NIRALA BAZAR branch. The format is fixed: KKBK = bank code, 0 = reserved, 001946 = 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 Chhatrapati Sambhaji Nagar Nirala Bazar branch in Chhatrapati Sambhaji Nagar Nirala Bazar, Maharashtra is part of this network and uses the IFSC code KKBK0001946 for all electronic settlement.

About the Chhatrapati Sambhaji Nagar Nirala Bazar branch

The Chhatrapati Sambhaji Nagar Nirala Bazar branch of Kotak Mahindra Bank Limited is situated at KOTAK MAHINDRA BANK LTD 4798 SARASWATI SANKUL CTS AURANGPURA NIRALA BAZAR CHHATRAPATI SAMBHAJI NAGAR MAHARASHTRA 431001. 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 KKBK0001946 is used.

Branch details at a glance

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 CHHATRAPATI SAMBHAJI NAGAR NIRALA BAZAR branch came to be assigned the code KKBK0001946.

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 KKBK0001946, money simply cannot be routed to the CHHATRAPATI SAMBHAJI NAGAR NIRALA BAZAR branch electronically.

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 KKBK0001946 and the account number together uniquely identify the Chhatrapati Sambhaji Nagar Nirala Bazar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KKBK0001946

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 KKBK0001946 across all three.

NEFT to Kotak Mahindra Bank Limited, CHHATRAPATI SAMBHAJI NAGAR NIRALA BAZAR using IFSC KKBK0001946

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 KKBK0001946, and confirm that the system picks up Kotak Mahindra Bank Limited – CHHATRAPATI SAMBHAJI NAGAR NIRALA BAZAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KKBK0001946

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 – CHHATRAPATI SAMBHAJI NAGAR NIRALA BAZAR, ensure your bank's portal accepts IFSC KKBK0001946 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Kotak Mahindra Bank Limited CHHATRAPATI SAMBHAJI NAGAR NIRALA BAZAR (IFSC KKBK0001946)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0001946 in your mobile or internet banking app, and the money is credited to the CHHATRAPATI SAMBHAJI NAGAR NIRALA BAZAR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KKBK0001946 for Kotak Mahindra Bank Limited – CHHATRAPATI SAMBHAJI NAGAR NIRALA BAZAR, 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.

For most retail customers crediting the Chhatrapati Sambhaji Nagar Nirala Bazar 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 CHHATRAPATI SAMBHAJI NAGAR NIRALA BAZAR branch, the IFSC KKBK0001946 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.

Products and account variants supported

Every account opened at the Chhatrapati Sambhaji Nagar Nirala Bazar branch is mapped to IFSC KKBK0001946 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 KKBK0001946.

Products and services

Customers walking into the Chhatrapati Sambhaji Nagar Nirala Bazar 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 KKBK0001946

Digital banking channels

Most day-to-day work that customers used to do at the Chhatrapati Sambhaji Nagar Nirala Bazar 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 KKBK0001946 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.

How to reach the Chhatrapati Sambhaji Nagar Nirala Bazar branch

The branch is located at KOTAK MAHINDRA BANK LTD 4798 SARASWATI SANKUL CTS AURANGPURA NIRALA BAZAR CHHATRAPATI SAMBHAJI NAGAR MAHARASHTRA 431001, which puts it inside Chhatrapati Sambhaji Nagar Nirala Bazar, the broader Chhatrapati Sambhaji Nagar district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Chhatrapati Sambhaji Nagar Nirala Bazar branch” — the verified location pin for IFSC KKBK0001946 should appear at the top of the results.
2. Confirm the branch is open by calling 1860-2662666 before stepping out, especially around public holidays.
3. 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 KKBK0001946 and your account number.

Common mistakes to avoid when using IFSC KKBK0001946

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 – CHHATRAPATI SAMBHAJI NAGAR NIRALA BAZAR, 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: KKBK0001946.
• 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 Chhatrapati Sambhaji Nagar Nirala Bazar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0001946, however, work 24x7.

Verifying IFSC KKBK0001946 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 KKBK0001946 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

Final notes

To recap: KKBK0001946 is the IFSC code of Kotak Mahindra Bank Limited, CHHATRAPATI SAMBHAJI NAGAR NIRALA BAZAR branch, in CHHATRAPATI SAMBHAJI NAGAR NIRALA BAZAR, MAHARASHTRA. 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.