IFSC Code of Kotak Mahindra Bank Limited, Howrah Branch Branch, West Bengal

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's HOWRAH BRANCH branch in KOLKATA, WEST BENGAL. The branch's IFSC code KKBK0006566 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, KKBK0006566 is the IFSC of Kotak Mahindra Bank Limited's HOWRAH BRANCH branch. The format is fixed: KKBK = bank code, 0 = reserved, 006566 = branch identifier.

Bank profile

Kotak Mahindra Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Howrah Branch branch — IFSC KKBK0006566 — extends the bank's services to customers in and around Kolkata, West Bengal.

Branch details at a glance

About this branch

The branch is located at KOTAK MAHINDRA BANK LTD, 27, AMBIKA POINT,MAULANA ABDUL KALAM AZAD ROAD, HAORA - 711101. It serves the Kolkata 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 KKBK0006566 is used to identify this branch on the RBI payments network.

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 HOWRAH BRANCH branch came to be assigned the code KKBK0006566.

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 KKBK0006566, money simply cannot be routed to the HOWRAH BRANCH branch electronically.

Products and account variants supported

Every account opened at the Howrah Branch branch is mapped to IFSC KKBK0006566 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 KKBK0006566.

Banking services available

The Howrah Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1860-2662666.

• 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 KKBK0006566

How to transfer money using IFSC KKBK0006566

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 KKBK0006566 across all three.

NEFT to Kotak Mahindra Bank Limited, HOWRAH BRANCH using IFSC KKBK0006566

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 KKBK0006566, and confirm that the system picks up Kotak Mahindra Bank Limited – HOWRAH BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to HOWRAH BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's HOWRAH BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0006566 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited HOWRAH BRANCH (IFSC KKBK0006566)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0006566 in your mobile or internet banking app, and the money is credited to the HOWRAH BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Howrah 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 KKBK0006566:

• 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 HOWRAH BRANCH is still linked to IFSC KKBK0006566.

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 KKBK0006566

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 – HOWRAH BRANCH is still mapped to IFSC KKBK0006566. 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 KKBK0006566 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KKBK0006566

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the HOWRAH BRANCH 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 KKBK0006566 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.

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 KKBK0006566 and the account number together uniquely identify the Howrah 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 – HOWRAH BRANCH:

• The IFSC is exactly KKBK0006566 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 HOWRAH 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.

How to reach the Howrah Branch branch

The branch is located at KOTAK MAHINDRA BANK LTD, 27, AMBIKA POINT,MAULANA ABDUL KALAM AZAD ROAD, HAORA - 711101, which puts it inside Kolkata, the broader Kolkata district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Howrah Branch branch” — the verified location pin for IFSC KKBK0006566 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 KKBK0006566 and your account number.

Verifying IFSC KKBK0006566 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 KKBK0006566 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 Howrah 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 KKBK0006566 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KKBK0006566 is the IFSC code of Kotak Mahindra Bank Limited, HOWRAH BRANCH branch, in KOLKATA, WEST BENGAL. 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.