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

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's LOHARKA BRANCH branch in LOHARKA, PUNJAB. The branch's IFSC code KKBK0004005 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.

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 – LOHARKA BRANCH is KKBK0004005. The first four letters KKBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004005 map to this branch in LOHARKA, PUNJAB.

Branch details at a glance

About Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited operates a wide network of branches across India, including the Loharka Branch branch in Loharka. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, KKBK0004005.

Loharka Branch branch overview

Located at GRD FLR SCO 96 BLOCK B DIST SHOPPING CMPLX LOHARKA RANJIT AVENUE TEHSIL AJNALA AMRITSAR PB 143001, the Loharka Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KKBK0004005 is required for all interbank electronic transfers routed through this branch.

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 LOHARKA BRANCH of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0004005 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 KKBK0004005 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC KKBK0004005

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 KKBK0004005 across all three.

NEFT to Kotak Mahindra Bank Limited, LOHARKA BRANCH using IFSC KKBK0004005

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 KKBK0004005, and confirm that the system picks up Kotak Mahindra Bank Limited – LOHARKA 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 LOHARKA BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's LOHARKA BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0004005 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited LOHARKA BRANCH (IFSC KKBK0004005)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0004005 in your mobile or internet banking app, and the money is credited to the LOHARKA BRANCH branch account within seconds.

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

All three modes accept the IFSC KKBK0004005 for Kotak Mahindra Bank Limited – LOHARKA 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 Loharka 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 KKBK0004005

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 – LOHARKA BRANCH is still mapped to IFSC KKBK0004005. 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 KKBK0004005 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Loharka Branch branch is mapped to IFSC KKBK0004005 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 KKBK0004005.

Products and services

Customers walking into the Loharka 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 KKBK0004005

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 KKBK0004005 and the account number together uniquely identify the Loharka Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KKBK0004005

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the LOHARKA 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 KKBK0004005 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.

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 – LOHARKA BRANCH:

• The IFSC is exactly KKBK0004005 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 LOHARKA 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.

Reaching the branch

The Loharka Branch branch sits at GRD FLR SCO 96 BLOCK B DIST SHOPPING CMPLX LOHARKA RANJIT AVENUE TEHSIL AJNALA AMRITSAR PB 143001. If you are travelling from outside Loharka, 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 KKBK0004005 and your account number.

Verifying IFSC KKBK0004005 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 KKBK0004005 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 Loharka 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 KKBK0004005 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0004005 belongs to Kotak Mahindra Bank Limited's LOHARKA BRANCH branch, located at GRD FLR SCO 96 BLOCK B DIST SHOPPING CMPLX LOHARKA RANJIT AVENUE TEHSIL AJNALA… in LOHARKA, 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.