IFSC Code of Kotak Mahindra Bank Limited, Jagruti Cooperative Urban Bank Ltd Sainikpuri Branch, Telangana

If you are searching for the IFSC code of Kotak Mahindra Bank Limited, JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI branch in HYDERABAD, TELANGANA, this page has every detail you need. The verified IFSC code for this branch is KKBK0JCUB01. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI branch, and detailed step-by-step guides for using the IFSC KKBK0JCUB01 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI branch, the IFSC KKBK0JCUB01 breaks down as follows: KKBK identifies the bank, 0 is the reserved character, and JCUB01 identifies this particular branch.

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 Jagruti Cooperative Urban Bank Ltd Sainikpuri branch in Hyderabad, Telangana is part of this network and uses the IFSC code KKBK0JCUB01 for all electronic settlement.

About the Jagruti Cooperative Urban Bank Ltd Sainikpuri branch

The Jagruti Cooperative Urban Bank Ltd Sainikpuri branch of Kotak Mahindra Bank Limited is situated at JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI38-10/3, VAYUPURI, SAINIKPURI POST, SECUNDERABAD -500094. 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 KKBK0JCUB01 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 JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI branch came to be assigned the code KKBK0JCUB01.

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 KKBK0JCUB01, money simply cannot be routed to the JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Jagruti Cooperative Urban Bank Ltd Sainikpuri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0JCUB01 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC KKBK0JCUB01

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 KKBK0JCUB01 across all three.

How to use IFSC KKBK0JCUB01 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI 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 KKBK0JCUB01.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI.
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 KKBK0JCUB01

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 – JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI, ensure your bank's portal accepts IFSC KKBK0JCUB01 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 – JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI, use IMPS. With IFSC KKBK0JCUB01 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 Jagruti Cooperative Urban Bank Ltd Sainikpuri

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 KKBK0JCUB01:

• 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 JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI is still linked to IFSC KKBK0JCUB01.

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 KKBK0JCUB01

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 – JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI is still mapped to IFSC KKBK0JCUB01. 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 KKBK0JCUB01 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Jagruti Cooperative Urban Bank Ltd Sainikpuri branch is mapped to IFSC KKBK0JCUB01 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 KKBK0JCUB01.

Banking services available

The Jagruti Cooperative Urban Bank Ltd Sainikpuri branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 40-27112521.

• 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 KKBK0JCUB01

Digital banking channels

Most day-to-day work that customers used to do at the Jagruti Cooperative Urban Bank Ltd Sainikpuri 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 KKBK0JCUB01 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 Jagruti Cooperative Urban Bank Ltd Sainikpuri branch

The branch is located at JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI38-10/3, VAYUPURI, SAINIKPURI POST, SECUNDERABAD -500094, which puts it inside Hyderabad, the broader Hyderabad district, and the state of Telangana. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Jagruti Cooperative Urban Bank Ltd Sainikpuri branch” — the verified location pin for IFSC KKBK0JCUB01 should appear at the top of the results.
2. Confirm the branch is open by calling 40-27112521 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 KKBK0JCUB01 and your account number.

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 – JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI:

• The IFSC is exactly KKBK0JCUB01 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 JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI 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.

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 Jagruti Cooperative Urban Bank Ltd Sainikpuri branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0JCUB01, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK0JCUB01 for Kotak Mahindra Bank Limited – JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI, 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: KKBK0JCUB01 is the IFSC code of Kotak Mahindra Bank Limited, JAGRUTI COOPERATIVE URBAN BANK LTD SAINIKPURI branch, in HYDERABAD, TELANGANA. 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.