IFSC Code of Kotak Mahindra Bank Limited, Gomtinagar Lucknow Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's GOMTINAGAR LUCKNOW branch in LUCKNOW, UTTAR PRADESH. The branch's IFSC code KKBK0005196 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, KKBK0005196 is the IFSC of Kotak Mahindra Bank Limited's GOMTINAGAR LUCKNOW branch. The format is fixed: KKBK = bank code, 0 = reserved, 005196 = 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 Gomtinagar Lucknow branch in Lucknow, Uttar Pradesh is part of this network and uses the IFSC code KKBK0005196 for all electronic settlement.

About the Gomtinagar Lucknow branch

The Gomtinagar Lucknow branch of Kotak Mahindra Bank Limited is situated at 4 34 VIVEK KHAND GOMTINAGAR LUCKNOW 226002. 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 KKBK0005196 is used.

Branch details at a glance

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 GOMTINAGAR LUCKNOW branch came to be assigned the code KKBK0005196.

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 KKBK0005196, money simply cannot be routed to the GOMTINAGAR LUCKNOW branch electronically.

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 KKBK0005196 and the account number together uniquely identify the Gomtinagar Lucknow branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KKBK0005196

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 KKBK0005196 across all three.

How to use IFSC KKBK0005196 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's GOMTINAGAR LUCKNOW 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 KKBK0005196.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as GOMTINAGAR LUCKNOW.
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 GOMTINAGAR LUCKNOW

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's GOMTINAGAR LUCKNOW branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0005196 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited GOMTINAGAR LUCKNOW (IFSC KKBK0005196)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0005196 in your mobile or internet banking app, and the money is credited to the GOMTINAGAR LUCKNOW branch account within seconds.

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

All three modes accept the IFSC KKBK0005196 for Kotak Mahindra Bank Limited – GOMTINAGAR LUCKNOW, 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 Gomtinagar Lucknow 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 KKBK0005196

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 – GOMTINAGAR LUCKNOW is still mapped to IFSC KKBK0005196. 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 KKBK0005196 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Gomtinagar Lucknow branch is mapped to IFSC KKBK0005196 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 KKBK0005196.

Products and services

Customers walking into the Gomtinagar Lucknow 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 KKBK0005196

Digital banking channels

Most day-to-day work that customers used to do at the Gomtinagar Lucknow branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC KKBK0005196 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

How to reach the Gomtinagar Lucknow branch

The branch is located at 4 34 VIVEK KHAND GOMTINAGAR LUCKNOW 226002, which puts it inside Lucknow, the broader Lucknow district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Gomtinagar Lucknow branch” — the verified location pin for IFSC KKBK0005196 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 KKBK0005196 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 – GOMTINAGAR LUCKNOW:

• The IFSC is exactly KKBK0005196 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 GOMTINAGAR LUCKNOW 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 Gomtinagar Lucknow 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 KKBK0005196 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK0005196 for Kotak Mahindra Bank Limited – GOMTINAGAR LUCKNOW, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0005196 belongs to Kotak Mahindra Bank Limited's GOMTINAGAR LUCKNOW branch, located at 4 34 VIVEK KHAND GOMTINAGAR LUCKNOW 226002 in LUCKNOW, UTTAR PRADESH. 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.