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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kotak Mahindra Bank Limited, KOZHIKODE BRANCH branch in KOZHIKODE. The 11-digit IFSC KKBK0000595 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Kotak Mahindra Bank Limited at the KOZHIKODE BRANCH location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, KKBK0000595 is the IFSC of Kotak Mahindra Bank Limited's KOZHIKODE BRANCH branch. The format is fixed: KKBK = bank code, 0 = reserved, 000595 = branch identifier.

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 Kozhikode Branch branch in Kozhikode, Kerala is part of this network and uses the IFSC code KKBK0000595 for all electronic settlement.

About this branch

The branch is located at CITY GALLARY-A1, BLOCK NO-6, KANNUR ROAD,KOZIKODE, KERALA - 673 001. It serves the Kozhikode 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 KKBK0000595 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 KOZHIKODE BRANCH of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0000595 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 KKBK0000595 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Kozhikode Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0000595 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 KKBK0000595

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 KKBK0000595 across all three.

How to use IFSC KKBK0000595 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's KOZHIKODE BRANCH 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 KKBK0000595.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as KOZHIKODE BRANCH.
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 KOZHIKODE BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's KOZHIKODE BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0000595 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited KOZHIKODE BRANCH (IFSC KKBK0000595)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0000595 in your mobile or internet banking app, and the money is credited to the KOZHIKODE BRANCH branch account within seconds.

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

All three modes accept the IFSC KKBK0000595 for Kotak Mahindra Bank Limited – KOZHIKODE BRANCH, 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 Kozhikode Branch 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 KKBK0000595

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 – KOZHIKODE BRANCH is still mapped to IFSC KKBK0000595. 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 KKBK0000595 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kozhikode Branch branch is mapped to IFSC KKBK0000595 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 KKBK0000595.

Products and services

Customers walking into the Kozhikode Branch 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 KKBK0000595

Online banking and IFSC KKBK0000595

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KOZHIKODE 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 KKBK0000595 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.

Reaching the branch

The Kozhikode Branch branch sits at CITY GALLARY-A1, BLOCK NO-6, KANNUR ROAD,KOZIKODE, KERALA - 673 001. If you are travelling from outside Kozhikode, 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 KKBK0000595 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 – KOZHIKODE BRANCH:

• The IFSC is exactly KKBK0000595 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 KOZHIKODE 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.

Working hours

Branch counters at Kozhikode 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 KKBK0000595 continue to work without interruption.

Verifying IFSC KKBK0000595 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 KKBK0000595 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: KKBK0000595 is the IFSC code of Kotak Mahindra Bank Limited, KOZHIKODE BRANCH branch, in KOZHIKODE, 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.