IFSC Code of Kotak Mahindra Bank Limited, Shri Rukhmini Sahakari Bank Ltd Mirajgaon Branch, Maharashtra

Below are the complete branch details for Kotak Mahindra Bank Limited, SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON branch, located in MIRAJGAON, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is KKBK0SRSB05. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case KKBK0SRSB05 for Kotak Mahindra Bank Limited – SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON is KKBK0SRSB05. The first four letters KKBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SRSB05 map to this branch in MIRAJGAON, MAHARASHTRA.

Branch details at a glance

About Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited operates a wide network of branches across India, including the Shri Rukhmini Sahakari Bank Ltd Mirajgaon branch in Mirajgaon. 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, KKBK0SRSB05.

About the Shri Rukhmini Sahakari Bank Ltd Mirajgaon branch

The Shri Rukhmini Sahakari Bank Ltd Mirajgaon branch of Kotak Mahindra Bank Limited is situated at SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON A/P MIRAJGAON & TAL KARJAT, DIST. AHMEDNAGAR, PIN 414401. 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 KKBK0SRSB05 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 SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON branch came to be assigned the code KKBK0SRSB05.

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 KKBK0SRSB05, money simply cannot be routed to the SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON branch electronically.

How to transfer money using IFSC KKBK0SRSB05

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 KKBK0SRSB05 across all three.

How to use IFSC KKBK0SRSB05 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON 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 KKBK0SRSB05.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KKBK0SRSB05

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 – SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON, ensure your bank's portal accepts IFSC KKBK0SRSB05 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Kotak Mahindra Bank Limited – SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON, use IMPS. With IFSC KKBK0SRSB05 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC KKBK0SRSB05 for Kotak Mahindra Bank Limited – SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON, 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 Shri Rukhmini Sahakari Bank Ltd Mirajgaon 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 KKBK0SRSB05

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 – SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON is still mapped to IFSC KKBK0SRSB05. 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 KKBK0SRSB05 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Shri Rukhmini Sahakari Bank Ltd Mirajgaon branch is mapped to IFSC KKBK0SRSB05 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 KKBK0SRSB05.

Products and services

Customers walking into the Shri Rukhmini Sahakari Bank Ltd Mirajgaon 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 KKBK0SRSB05

MICR & cheque-truncation details

Cheques drawn on the Shri Rukhmini Sahakari Bank Ltd Mirajgaon branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0SRSB05 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC KKBK0SRSB05

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON 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 KKBK0SRSB05 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 – SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON:

• The IFSC is exactly KKBK0SRSB05 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 SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON 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.

How to reach the Shri Rukhmini Sahakari Bank Ltd Mirajgaon branch

The branch is located at SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON A/P MIRAJGAON & TAL KARJAT, DIST. AHMEDNAGAR, PIN 414401, which puts it inside Mirajgaon, the broader Ahmednagar district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Shri Rukhmini Sahakari Bank Ltd Mirajgaon branch” — the verified location pin for IFSC KKBK0SRSB05 should appear at the top of the results.
2. Confirm the branch is open by calling 2489-263750 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 KKBK0SRSB05 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK0SRSB05 for Kotak Mahindra Bank Limited – SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON, 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 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 Shri Rukhmini Sahakari Bank Ltd Mirajgaon branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0SRSB05, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0SRSB05 belongs to Kotak Mahindra Bank Limited's SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON branch, located at SHRI RUKHMINI SAHAKARI BANK LTD MIRAJGAON A/P MIRAJGAON & TAL KARJAT, DIST.… in MIRAJGAON, MAHARASHTRA. 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.