IFSC Code of Kotak Mahindra Bank Limited, Gariyaband Branch, Chhattisgarh

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's GARIYABAND branch in GARIYABAND, CHHATTISGARH. The branch's IFSC code KKBK0006443 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Kotak Mahindra Bank Limited – GARIYABAND is KKBK0006443. The first four letters KKBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 006443 map to this branch in GARIYABAND, CHHATTISGARH.

Branch details at a glance

About Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited operates a wide network of branches across India, including the Gariyaband branch in Gariyaband. 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, KKBK0006443.

Gariyaband branch overview

Located at GROUND FLOOR BESIDES PUNJAB NATIONAL BANKRAIPUR ROAD GARIYABANDH 493 889 CHHATTISGARH, the Gariyaband branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KKBK0006443 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 GARIYABAND of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0006443 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 KKBK0006443 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC KKBK0006443

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 KKBK0006443 across all three.

How to use IFSC KKBK0006443 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's GARIYABAND 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 KKBK0006443.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as GARIYABAND.
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 GARIYABAND

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's GARIYABAND branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0006443 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited GARIYABAND (IFSC KKBK0006443)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0006443 in your mobile or internet banking app, and the money is credited to the GARIYABAND branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gariyaband

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 KKBK0006443:

• 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 GARIYABAND is still linked to IFSC KKBK0006443.

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 KKBK0006443

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 – GARIYABAND is still mapped to IFSC KKBK0006443. 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 KKBK0006443 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Gariyaband branch is mapped to IFSC KKBK0006443 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 KKBK0006443.

Products and services

Customers walking into the Gariyaband 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 KKBK0006443

MICR & cheque-truncation details

Cheques drawn on the Gariyaband branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0006443 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Gariyaband 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 KKBK0006443 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.

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 – GARIYABAND:

• The IFSC is exactly KKBK0006443 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 GARIYABAND 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 Gariyaband branch

The branch is located at GROUND FLOOR BESIDES PUNJAB NATIONAL BANKRAIPUR ROAD GARIYABANDH 493 889 CHHATTISGARH, which puts it inside Gariyaband, the broader Raipur district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Gariyaband branch” — the verified location pin for IFSC KKBK0006443 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 KKBK0006443 and your account number.

Verifying IFSC KKBK0006443 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 KKBK0006443 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 Gariyaband branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0006443, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0006443 belongs to Kotak Mahindra Bank Limited's GARIYABAND branch, located at GROUND FLOOR BESIDES PUNJAB NATIONAL BANKRAIPUR ROAD GARIYABANDH 493 889… in GARIYABAND, CHHATTISGARH. 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.