IFSC Code of Kotak Mahindra Bank Limited, Ludhiana Haibowal Kalan Branch, Punjab

If you are searching for the IFSC code of Kotak Mahindra Bank Limited, LUDHIANA HAIBOWAL KALAN branch in LUDHIANA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is KKBK0003916. 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 LUDHIANA HAIBOWAL KALAN branch, and detailed step-by-step guides for using the IFSC KKBK0003916 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 – LUDHIANA HAIBOWAL KALAN is KKBK0003916. The first four letters KKBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003916 map to this branch in LUDHIANA, PUNJAB.

Branch details at a glance

Bank profile

Kotak Mahindra Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ludhiana Haibowal Kalan branch — IFSC KKBK0003916 — extends the bank's services to customers in and around Ludhiana, Punjab.

About the Ludhiana Haibowal Kalan branch

The Ludhiana Haibowal Kalan branch of Kotak Mahindra Bank Limited is situated at KOTAK MAHINDRA BANK LTD, B-XXXIV - 4659, MAIN ROAD, HAIBOWAL KALAN, LUDHIANA - 141001. PUNJAB. 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 KKBK0003916 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 LUDHIANA HAIBOWAL KALAN branch came to be assigned the code KKBK0003916.

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 KKBK0003916, money simply cannot be routed to the LUDHIANA HAIBOWAL KALAN branch electronically.

How to transfer money using IFSC KKBK0003916

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 KKBK0003916 across all three.

NEFT to Kotak Mahindra Bank Limited, LUDHIANA HAIBOWAL KALAN using IFSC KKBK0003916

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 KKBK0003916, and confirm that the system picks up Kotak Mahindra Bank Limited – LUDHIANA HAIBOWAL KALAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LUDHIANA HAIBOWAL KALAN

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's LUDHIANA HAIBOWAL KALAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0003916 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited LUDHIANA HAIBOWAL KALAN (IFSC KKBK0003916)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0003916 in your mobile or internet banking app, and the money is credited to the LUDHIANA HAIBOWAL KALAN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ludhiana Haibowal Kalan

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC KKBK0003916:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at LUDHIANA HAIBOWAL KALAN is still linked to IFSC KKBK0003916.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 LUDHIANA HAIBOWAL KALAN branch, the IFSC KKBK0003916 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.

Products and account variants supported

Every account opened at the Ludhiana Haibowal Kalan branch is mapped to IFSC KKBK0003916 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 KKBK0003916.

Products and services

Customers walking into the Ludhiana Haibowal Kalan 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 KKBK0003916

MICR & cheque-truncation details

Cheques drawn on the Ludhiana Haibowal Kalan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0003916 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC KKBK0003916

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the LUDHIANA HAIBOWAL KALAN 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 KKBK0003916 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 – LUDHIANA HAIBOWAL KALAN:

• The IFSC is exactly KKBK0003916 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 LUDHIANA HAIBOWAL KALAN 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 Ludhiana Haibowal Kalan branch sits at KOTAK MAHINDRA BANK LTD, B-XXXIV - 4659, MAIN ROAD, HAIBOWAL KALAN, LUDHIANA - 141001. PUNJAB. If you are travelling from outside Ludhiana, 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 KKBK0003916 and your account number.

Verifying IFSC KKBK0003916 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 KKBK0003916 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 Ludhiana Haibowal Kalan 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 KKBK0003916 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KKBK0003916 is the IFSC code of Kotak Mahindra Bank Limited, LUDHIANA HAIBOWAL KALAN branch, in LUDHIANA, PUNJAB. 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.