IFSC Code of Kotak Mahindra Bank Limited, Gilwali Alias Guruwali Branch Branch, Punjab

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's GILWALI ALIAS GURUWALI BRANCH branch in GILWALI ALIAS GURUWALI, PUNJAB. The branch's IFSC code KKBK0004002 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 – GILWALI ALIAS GURUWALI BRANCH is KKBK0004002. The first four letters KKBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004002 map to this branch in GILWALI ALIAS GURUWALI, PUNJAB.

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 Gilwali Alias Guruwali Branch branch in Gilwali Alias Guruwali, Punjab is part of this network and uses the IFSC code KKBK0004002 for all electronic settlement.

Branch details at a glance

Gilwali Alias Guruwali Branch branch overview

Located at GRND FLR 245 7 JAURA PIPPLE NEAR GILWARI GATE GILWALI ALIAS GURUWALI DIST AMRITSAR PUNJAB 143001, the Gilwali Alias Guruwali Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KKBK0004002 is required for all interbank electronic transfers routed through this branch.

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 GILWALI ALIAS GURUWALI BRANCH branch came to be assigned the code KKBK0004002.

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 KKBK0004002, money simply cannot be routed to the GILWALI ALIAS GURUWALI BRANCH branch electronically.

Products and account variants supported

Every account opened at the Gilwali Alias Guruwali Branch branch is mapped to IFSC KKBK0004002 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 KKBK0004002.

Products and services

Customers walking into the Gilwali Alias Guruwali Branch 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 KKBK0004002

How to transfer money using IFSC KKBK0004002

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 KKBK0004002 across all three.

How to use IFSC KKBK0004002 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's GILWALI ALIAS GURUWALI BRANCH 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 KKBK0004002.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as GILWALI ALIAS GURUWALI BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KKBK0004002

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 – GILWALI ALIAS GURUWALI BRANCH, ensure your bank's portal accepts IFSC KKBK0004002 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Kotak Mahindra Bank Limited – GILWALI ALIAS GURUWALI BRANCH, use IMPS. With IFSC KKBK0004002 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 Gilwali Alias Guruwali Branch

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 KKBK0004002:

• 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 GILWALI ALIAS GURUWALI BRANCH is still linked to IFSC KKBK0004002.

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 KKBK0004002

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 – GILWALI ALIAS GURUWALI BRANCH is still mapped to IFSC KKBK0004002. 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 KKBK0004002 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 Gilwali Alias Guruwali Branch 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 KKBK0004002 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 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 KKBK0004002 and the account number together uniquely identify the Gilwali Alias Guruwali Branch 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 – GILWALI ALIAS GURUWALI BRANCH:

• The IFSC is exactly KKBK0004002 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 GILWALI ALIAS GURUWALI BRANCH 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.

Reaching the branch

The Gilwali Alias Guruwali Branch branch sits at GRND FLR 245 7 JAURA PIPPLE NEAR GILWARI GATE GILWALI ALIAS GURUWALI DIST AMRITSAR PUNJAB 143001. If you are travelling from outside Gilwali Alias Guruwali, 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 KKBK0004002 and your account number.

Verifying IFSC KKBK0004002 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 KKBK0004002 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.

Working hours

Branch counters at Gilwali Alias Guruwali Branch 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 KKBK0004002 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0004002 belongs to Kotak Mahindra Bank Limited's GILWALI ALIAS GURUWALI BRANCH branch, located at GRND FLR 245 7 JAURA PIPPLE NEAR GILWARI GATE GILWALI ALIAS GURUWALI DIST… in GILWALI ALIAS GURUWALI, PUNJAB. 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.