If you are searching for the IFSC code of Kotak Mahindra Bank Limited, KOZHIKODE CALICUT branch in KOZHIKODE, KERALA, this page has every detail you need. The verified IFSC code for this branch is KKBK0009299. 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 KOZHIKODE CALICUT branch, and detailed step-by-step guides for using the IFSC KKBK0009299 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.
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, KKBK0009299 is the IFSC of Kotak Mahindra Bank Limited's KOZHIKODE CALICUT branch. The format is fixed: KKBK = bank code, 0 = reserved, 009299 = 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 Calicut branch in Kozhikode, Kerala is part of this network and uses the IFSC code KKBK0009299 for all electronic settlement.
Branch details at a glance
| Bank Name | Kotak Mahindra Bank Limited |
|---|---|
| Branch | Kozhikode Calicut |
| IFSC Code | KKBK0009299 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P K COMMERICIAL COMPLEX 11 527 CHEROOTY ROAD P B 1134 KOZHIKODE CALICUT 673032 |
| City | Kozhikode |
| District | Kozhikode |
| State | Kerala |
| STD Code | 1860 |
| Phone | 2662666 |
About the Kozhikode Calicut branch
The Kozhikode Calicut branch of Kotak Mahindra Bank Limited is situated at P K COMMERICIAL COMPLEX 11 527 CHEROOTY ROAD P B 1134 KOZHIKODE CALICUT 673032. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code KKBK0009299 is used.
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 KOZHIKODE CALICUT branch came to be assigned the code KKBK0009299.
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 KKBK0009299, money simply cannot be routed to the KOZHIKODE CALICUT branch electronically.
Products and account variants supported
Every account opened at the Kozhikode Calicut branch is mapped to IFSC KKBK0009299 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 KKBK0009299.
Products and services
Customers walking into the Kozhikode Calicut 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 KKBK0009299
How to transfer money using IFSC KKBK0009299
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 KKBK0009299 across all three.
NEFT to Kotak Mahindra Bank Limited, KOZHIKODE CALICUT using IFSC KKBK0009299
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 KKBK0009299, and confirm that the system picks up Kotak Mahindra Bank Limited – KOZHIKODE CALICUT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC KKBK0009299
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 – KOZHIKODE CALICUT, ensure your bank's portal accepts IFSC KKBK0009299 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Kotak Mahindra Bank Limited KOZHIKODE CALICUT (IFSC KKBK0009299)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0009299 in your mobile or internet banking app, and the money is credited to the KOZHIKODE CALICUT branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC KKBK0009299 for Kotak Mahindra Bank Limited – KOZHIKODE CALICUT, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – KKBK0009299 | Yes – KKBK0009299 | Yes – KKBK0009299 |
For most retail customers crediting the Kozhikode Calicut 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 KKBK0009299
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 CALICUT is still mapped to IFSC KKBK0009299. 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 KKBK0009299 and the beneficiary's account number to complete the transfer.
Online banking and IFSC KKBK0009299
Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KOZHIKODE CALICUT 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 KKBK0009299 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 & cheque-truncation details
Cheques drawn on the Kozhikode Calicut branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0009299 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC KKBK0009299
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 – KOZHIKODE CALICUT, 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:
KKBK0009299. - 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.
Reaching the branch
The Kozhikode Calicut branch sits at P K COMMERICIAL COMPLEX 11 527 CHEROOTY ROAD P B 1134 KOZHIKODE CALICUT 673032. 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 KKBK0009299 and your account number.
Verifying IFSC KKBK0009299 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 KKBK0009299 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 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 Kozhikode Calicut branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0009299, however, work 24x7.
Branch address & contact
Kotak Mahindra Bank LimitedKozhikode Calicut Branch
P K COMMERICIAL COMPLEX 11 527 CHEROOTY ROAD P B 1134 KOZHIKODE CALICUT 673032
Kozhikode, Kerala
Phone: 1860-2662666
IFSC: KKBK0009299
Frequently asked questions
Where is Kotak Mahindra Bank Limited Kozhikode Calicut branch located?
Kotak Mahindra Bank Limited's Kozhikode Calicut branch is located at P K COMMERICIAL COMPLEX 11 527 CHEROOTY ROAD P B 1134 KOZHIKODE CALICUT 673032, Kozhikode, Kerala.
Does Kotak Mahindra Bank Limited Kozhikode Calicut branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1860-2662666 to confirm.
How do I add Kotak Mahindra Bank Limited Kozhikode Calicut as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KKBK0009299, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC KKBK0009299 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KKBK0009299 to send funds instantly.
Is IFSC KKBK0009299 the same for all accounts at Kozhikode Calicut branch?
Yes. The IFSC KKBK0009299 is shared by every account held at Kotak Mahindra Bank Limited's Kozhikode Calicut branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using KKBK0009299 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Kotak Mahindra Bank Limited – Kozhikode Calicut reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kozhikode Calicut branch but serve different purposes.
Is IFSC KKBK0009299 valid for NEFT and RTGS?
Yes. IFSC KKBK0009299 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code KKBK0009299 belongs to Kotak Mahindra Bank Limited's KOZHIKODE CALICUT branch, located at P K COMMERICIAL COMPLEX 11 527 CHEROOTY ROAD P B 1134 KOZHIKODE CALICUT 673032 in KOZHIKODE, KERALA. 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.
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