IFSC Code of Kotak Mahindra Bank Limited, Kollam Branch, Kerala

If you are searching for the IFSC code of Kotak Mahindra Bank Limited, KOLLAM branch in KOLLAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is KKBK0009296. 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 KOLLAM branch, and detailed step-by-step guides for using the IFSC KKBK0009296 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 – KOLLAM is KKBK0009296. The first four letters KKBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 009296 map to this branch in KOLLAM, KERALA.

Bank profile

Kotak Mahindra Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kollam branch — IFSC KKBK0009296 — extends the bank's services to customers in and around Kollam, Kerala.

Branch details at a glance

About this branch

The branch is located at GROUND FLOOR AGC COMPLEX BEACH ROAD KOLLAM 691001. It serves the Kollam 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 KKBK0009296 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 KOLLAM branch came to be assigned the code KKBK0009296.

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 KKBK0009296, money simply cannot be routed to the KOLLAM branch electronically.

Account types you can open at the Kollam branch

Once you have an account at Kotak Mahindra Bank Limited – KOLLAM, the IFSC KKBK0009296 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 Kollam 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 KKBK0009296

How to transfer money using IFSC KKBK0009296

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 KKBK0009296 across all three.

NEFT to Kotak Mahindra Bank Limited, KOLLAM using IFSC KKBK0009296

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 KKBK0009296, and confirm that the system picks up Kotak Mahindra Bank Limited – KOLLAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KKBK0009296

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 – KOLLAM, ensure your bank's portal accepts IFSC KKBK0009296 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 – KOLLAM, use IMPS. With IFSC KKBK0009296 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 KKBK0009296 for Kotak Mahindra Bank Limited – KOLLAM, 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 Kollam 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 KOLLAM branch, the IFSC KKBK0009296 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.

Online banking and IFSC KKBK0009296

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KOLLAM 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 KKBK0009296 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 KKBK0009296 and the account number together uniquely identify the Kollam 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 – KOLLAM:

• The IFSC is exactly KKBK0009296 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 KOLLAM 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.

Reaching the branch

The Kollam branch sits at GROUND FLOOR AGC COMPLEX BEACH ROAD KOLLAM 691001. If you are travelling from outside Kollam, search for the branch on a maps application using the bank name and locality, or call 1860-2662666 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 KKBK0009296 and your account number.

Verifying IFSC KKBK0009296 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 KKBK0009296 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 Kollam 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 KKBK0009296 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KKBK0009296 is the IFSC code of Kotak Mahindra Bank Limited, KOLLAM branch, in KOLLAM, KERALA. 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.