IFSC Code of Kotak Mahindra Bank Limited, Kishanpura Branch, Punjab

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's KISHANPURA branch in KISHANPURA, PUNJAB. The branch's IFSC code KKBK0004129 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.

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 KISHANPURA branch, the IFSC KKBK0004129 breaks down as follows: KKBK identifies the bank, 0 is the reserved character, and 004129 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 Kishanpura branch in Kishanpura, Punjab is part of this network and uses the IFSC code KKBK0004129 for all electronic settlement.

About this branch

The branch is located at KOTAK MAHINDRA BANK LTD, 13, BALAJI COMPLEX, OLD AMBALA ROAD, SAS NAGAR, KISHANPURA - 160104. PUNJAB. It serves the Kishanpura 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 KKBK0004129 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 KISHANPURA of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0004129 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 KKBK0004129 the same way you would treat your account number — verify it once and save it carefully for future use.

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 KKBK0004129 and the account number together uniquely identify the Kishanpura branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KKBK0004129

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 KKBK0004129 across all three.

How to use IFSC KKBK0004129 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's KISHANPURA 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 KKBK0004129.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as KISHANPURA.
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 KISHANPURA

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's KISHANPURA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0004129 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited KISHANPURA (IFSC KKBK0004129)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0004129 in your mobile or internet banking app, and the money is credited to the KISHANPURA branch account within seconds.

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

All three modes accept the IFSC KKBK0004129 for Kotak Mahindra Bank Limited – KISHANPURA, 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 Kishanpura 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 KKBK0004129

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 – KISHANPURA is still mapped to IFSC KKBK0004129. 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 KKBK0004129 and the beneficiary's account number to complete the transfer.

Account types you can open at the Kishanpura branch

Once you have an account at Kotak Mahindra Bank Limited – KISHANPURA, the IFSC KKBK0004129 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 Kishanpura 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 KKBK0004129

Online banking and IFSC KKBK0004129

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KISHANPURA 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 KKBK0004129 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 Kishanpura branch

The branch is located at KOTAK MAHINDRA BANK LTD, 13, BALAJI COMPLEX, OLD AMBALA ROAD, SAS NAGAR, KISHANPURA - 160104. PUNJAB, which puts it inside Kishanpura, the broader Sahibzada Ajit Singh Nagar district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Kishanpura branch” — the verified location pin for IFSC KKBK0004129 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 KKBK0004129 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 – KISHANPURA:

• The IFSC is exactly KKBK0004129 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 KISHANPURA 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 Kishanpura branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0004129, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK0004129 for Kotak Mahindra Bank Limited – KISHANPURA, 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

Summary

The IFSC code KKBK0004129 belongs to Kotak Mahindra Bank Limited's KISHANPURA branch, located at KOTAK MAHINDRA BANK LTD, 13, BALAJI COMPLEX, OLD AMBALA ROAD, SAS NAGAR,… in KISHANPURA, 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.