IFSC Code of Kotak Mahindra Bank Limited, The Agroha Co Operative Urban Bank Limited Balanagar Branch, Telangana

If you are searching for the IFSC code of Kotak Mahindra Bank Limited, THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR branch in HYDERABAD, TELANGANA, this page has every detail you need. The verified IFSC code for this branch is KKBK0ACUB02. 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 THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR branch, and detailed step-by-step guides for using the IFSC KKBK0ACUB02 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.

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 – THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR is KKBK0ACUB02. The first four letters KKBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters ACUB02 map to this branch in HYDERABAD, TELANGANA.

About Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited operates a wide network of branches across India, including the The Agroha Co Operative Urban Bank Limited Balanagar branch in Hyderabad. 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, KKBK0ACUB02.

About this branch

The branch is located at THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR BRANCH 6-3-124/A, OPP. HPCL PETROL PUMP FATEHNAGAR X ROADS BALANAGAR HYDERABAD 500037.. It serves the Hyderabad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Kotak Mahindra Bank Limited. The IFSC KKBK0ACUB02 is used to identify this branch on the RBI payments network.

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 THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR branch came to be assigned the code KKBK0ACUB02.

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 KKBK0ACUB02, money simply cannot be routed to the THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the The Agroha Co Operative Urban Bank Limited Balanagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0ACUB02 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 KKBK0ACUB02

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 KKBK0ACUB02 across all three.

How to use IFSC KKBK0ACUB02 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR 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 KKBK0ACUB02.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR.
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 KKBK0ACUB02

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 – THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR, ensure your bank's portal accepts IFSC KKBK0ACUB02 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 – THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR, use IMPS. With IFSC KKBK0ACUB02 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC KKBK0ACUB02 for Kotak Mahindra Bank Limited – THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR, 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 The Agroha Co Operative Urban Bank Limited Balanagar 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 KKBK0ACUB02

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 – THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR is still mapped to IFSC KKBK0ACUB02. 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 KKBK0ACUB02 and the beneficiary's account number to complete the transfer.

Account types you can open at the The Agroha Co Operative Urban Bank Limited Balanagar branch

Once you have an account at Kotak Mahindra Bank Limited – THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR, the IFSC KKBK0ACUB02 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.

Products and services

Customers walking into the The Agroha Co Operative Urban Bank Limited Balanagar 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 KKBK0ACUB02

Online banking and IFSC KKBK0ACUB02

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR 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 KKBK0ACUB02 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.

How to reach the The Agroha Co Operative Urban Bank Limited Balanagar branch

The branch is located at THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR BRANCH 6-3-124/A, OPP. HPCL PETROL PUMP FATEHNAGAR X ROADS BALANAGAR HYDERABAD 500037., 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 The Agroha Co Operative Urban Bank Limited Balanagar branch” — the verified location pin for IFSC KKBK0ACUB02 should appear at the top of the results.
2. Confirm the branch is open by calling 40-24512868 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 KKBK0ACUB02 and your account number.

Common mistakes to avoid when using IFSC KKBK0ACUB02

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 – THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR, 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: KKBK0ACUB02.
• 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.

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 The Agroha Co Operative Urban Bank Limited Balanagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0ACUB02, however, work 24x7.

Verifying IFSC KKBK0ACUB02 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 KKBK0ACUB02 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 40-24512868.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0ACUB02 belongs to Kotak Mahindra Bank Limited's THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR branch, located at THE AGROHA CO OPERATIVE URBAN BANK LIMITED BALANAGAR BRANCH 6-3-124/A, OPP.… in HYDERABAD, TELANGANA. 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.