IFSC Code of Kotak Mahindra Bank Limited, Gurugram - Sec Ninety-Nine Branch, Haryana

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kotak Mahindra Bank Limited, GURUGRAM - SEC NINETY-NINE branch in GURGAON. The 11-digit IFSC KKBK0004933 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 GURUGRAM - SEC NINETY-NINE 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 GURUGRAM - SEC NINETY-NINE branch, the IFSC KKBK0004933 breaks down as follows: KKBK identifies the bank, 0 is the reserved character, and 004933 identifies this particular branch.

About Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited operates a wide network of branches across India, including the Gurugram - Sec Ninety-Nine branch in Gurgaon. 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, KKBK0004933.

Branch details at a glance

Gurugram - Sec Ninety-Nine branch overview

Located at KOTAK MAHINDRA BANK LTD, UNIT NO. G-02, OCUS MEDLEY, SEC-99, DWARKA EXPRESSWAY, GURUGRAM - 122001 HARYANA., the Gurugram - Sec Ninety-Nine branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KKBK0004933 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 GURUGRAM - SEC NINETY-NINE branch came to be assigned the code KKBK0004933.

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 KKBK0004933, money simply cannot be routed to the GURUGRAM - SEC NINETY-NINE branch electronically.

Account types you can open at the Gurugram - Sec Ninety-Nine branch

Once you have an account at Kotak Mahindra Bank Limited – GURUGRAM - SEC NINETY-NINE, the IFSC KKBK0004933 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 Gurugram - Sec Ninety-Nine branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1800-4100.

• 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 KKBK0004933

How to transfer money using IFSC KKBK0004933

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 KKBK0004933 across all three.

NEFT to Kotak Mahindra Bank Limited, GURUGRAM - SEC NINETY-NINE using IFSC KKBK0004933

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 KKBK0004933, and confirm that the system picks up Kotak Mahindra Bank Limited – GURUGRAM - SEC NINETY-NINE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GURUGRAM - SEC NINETY-NINE

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's GURUGRAM - SEC NINETY-NINE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0004933 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited GURUGRAM - SEC NINETY-NINE (IFSC KKBK0004933)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0004933 in your mobile or internet banking app, and the money is credited to the GURUGRAM - SEC NINETY-NINE branch account within seconds.

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

All three modes accept the IFSC KKBK0004933 for Kotak Mahindra Bank Limited – GURUGRAM - SEC NINETY-NINE, 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 Gurugram - Sec Ninety-Nine 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 GURUGRAM - SEC NINETY-NINE branch, the IFSC KKBK0004933 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.

Digital banking channels

Most day-to-day work that customers used to do at the Gurugram - Sec Ninety-Nine 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 KKBK0004933 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 & cheque-truncation details

Cheques drawn on the Gurugram - Sec Ninety-Nine branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0004933 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC KKBK0004933

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 – GURUGRAM - SEC NINETY-NINE, 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: KKBK0004933.
• 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.

Reaching the branch

The Gurugram - Sec Ninety-Nine branch sits at KOTAK MAHINDRA BANK LTD, UNIT NO. G-02, OCUS MEDLEY, SEC-99, DWARKA EXPRESSWAY, GURUGRAM - 122001 HARYANA.. If you are travelling from outside Gurgaon, search for the branch on a maps application using the bank name and locality, or call 1800-4100 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 KKBK0004933 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK0004933 for Kotak Mahindra Bank Limited – GURUGRAM - SEC NINETY-NINE, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Gurugram - Sec Ninety-Nine 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 KKBK0004933 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KKBK0004933 is the IFSC code of Kotak Mahindra Bank Limited, GURUGRAM - SEC NINETY-NINE branch, in GURGAON, HARYANA. 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.