IFSC Code of Kotak Mahindra Bank Limited, Dhanbad Sarai Dhela Branch, Jharkhand

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's DHANBAD SARAI DHELA branch in DHANBAD, JHARKHAND. The branch's IFSC code KKBK0005798 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.

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, KKBK0005798 is the IFSC of Kotak Mahindra Bank Limited's DHANBAD SARAI DHELA branch. The format is fixed: KKBK = bank code, 0 = reserved, 005798 = branch identifier.

Bank profile

Kotak Mahindra Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Dhanbad Sarai Dhela branch — IFSC KKBK0005798 — extends the bank's services to customers in and around Dhanbad, Jharkhand.

Branch details at a glance

Dhanbad Sarai Dhela branch overview

Located at KOTAK MAHINDRA BANK LTD 3 THE ORBIT MAIN ROAD SARAIDHELA DHANBAD 828127, the Dhanbad Sarai Dhela branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KKBK0005798 is required for all interbank electronic transfers routed through this branch.

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 DHANBAD SARAI DHELA of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0005798 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 KKBK0005798 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 Dhanbad Sarai Dhela branch is mapped to IFSC KKBK0005798 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 KKBK0005798.

Banking services available

The Dhanbad Sarai Dhela 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 KKBK0005798

How to transfer money using IFSC KKBK0005798

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 KKBK0005798 across all three.

How to use IFSC KKBK0005798 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's DHANBAD SARAI DHELA 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 KKBK0005798.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as DHANBAD SARAI DHELA.
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 DHANBAD SARAI DHELA

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's DHANBAD SARAI DHELA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0005798 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited DHANBAD SARAI DHELA (IFSC KKBK0005798)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0005798 in your mobile or internet banking app, and the money is credited to the DHANBAD SARAI DHELA branch account within seconds.

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

All three modes accept the IFSC KKBK0005798 for Kotak Mahindra Bank Limited – DHANBAD SARAI DHELA, 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 Dhanbad Sarai Dhela 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.

UPI payments and IFSC KKBK0005798

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 – DHANBAD SARAI DHELA is still mapped to IFSC KKBK0005798. 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 KKBK0005798 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KKBK0005798

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the DHANBAD SARAI DHELA 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 KKBK0005798 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 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 KKBK0005798 and the account number together uniquely identify the Dhanbad Sarai Dhela branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Kotak Mahindra Bank Limited – DHANBAD SARAI DHELA:

• The IFSC is exactly KKBK0005798 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Kotak Mahindra Bank Limited as the bank name and DHANBAD SARAI DHELA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Dhanbad Sarai Dhela branch

The branch is located at KOTAK MAHINDRA BANK LTD 3 THE ORBIT MAIN ROAD SARAIDHELA DHANBAD 828127, which puts it inside Dhanbad, the broader Dhanbad district, and the state of Jharkhand. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Dhanbad Sarai Dhela branch” — the verified location pin for IFSC KKBK0005798 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 KKBK0005798 and your account number.

Verifying IFSC KKBK0005798 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 KKBK0005798 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 Dhanbad Sarai Dhela branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0005798, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0005798 belongs to Kotak Mahindra Bank Limited's DHANBAD SARAI DHELA branch, located at KOTAK MAHINDRA BANK LTD 3 THE ORBIT MAIN ROAD SARAIDHELA DHANBAD 828127 in DHANBAD, JHARKHAND. 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.