IFSC Code of Kotak Mahindra Bank Limited, Kokan Mercantile Co Op Bank Ltd Mandvi Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kotak Mahindra Bank Limited, KOKAN MERCANTILE CO OP BANK LTD MANDVI branch in MUMBAI. The 11-digit IFSC KKBK0KMCB03 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Kotak Mahindra Bank Limited at the KOKAN MERCANTILE CO OP BANK LTD MANDVI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – KOKAN MERCANTILE CO OP BANK LTD MANDVI is KKBK0KMCB03. The first four letters KKBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters KMCB03 map to this branch in MUMBAI, MAHARASHTRA.

About Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited operates a wide network of branches across India, including the Kokan Mercantile Co Op Bank Ltd Mandvi branch in Mumbai. 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, KKBK0KMCB03.

About this branch

The branch is located at KOKAN MERCANTILE CO-OP BANK LTD MANDVI 129/131, SHARIFF DEVJI STREET,CHAKALA, OPP. PATTARWALI MASJID,MUMBAI-400 003. It serves the Mumbai region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Kotak Mahindra Bank Limited. The IFSC KKBK0KMCB03 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 KOKAN MERCANTILE CO OP BANK LTD MANDVI of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0KMCB03 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 KKBK0KMCB03 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Kokan Mercantile Co Op Bank Ltd Mandvi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0KMCB03 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC KKBK0KMCB03

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 KKBK0KMCB03 across all three.

How to use IFSC KKBK0KMCB03 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's KOKAN MERCANTILE CO OP BANK LTD MANDVI 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 KKBK0KMCB03.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as KOKAN MERCANTILE CO OP BANK LTD MANDVI.
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 KKBK0KMCB03

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 – KOKAN MERCANTILE CO OP BANK LTD MANDVI, ensure your bank's portal accepts IFSC KKBK0KMCB03 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Kotak Mahindra Bank Limited KOKAN MERCANTILE CO OP BANK LTD MANDVI (IFSC KKBK0KMCB03)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0KMCB03 in your mobile or internet banking app, and the money is credited to the KOKAN MERCANTILE CO OP BANK LTD MANDVI branch account within seconds.

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

All three modes accept the IFSC KKBK0KMCB03 for Kotak Mahindra Bank Limited – KOKAN MERCANTILE CO OP BANK LTD MANDVI, 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 Kokan Mercantile Co Op Bank Ltd Mandvi 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 KKBK0KMCB03

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 – KOKAN MERCANTILE CO OP BANK LTD MANDVI is still mapped to IFSC KKBK0KMCB03. 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 KKBK0KMCB03 and the beneficiary's account number to complete the transfer.

Account types you can open at the Kokan Mercantile Co Op Bank Ltd Mandvi branch

Once you have an account at Kotak Mahindra Bank Limited – KOKAN MERCANTILE CO OP BANK LTD MANDVI, the IFSC KKBK0KMCB03 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Kokan Mercantile Co Op Bank Ltd Mandvi 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 KKBK0KMCB03

Digital banking channels

Most day-to-day work that customers used to do at the Kokan Mercantile Co Op Bank Ltd Mandvi 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 KKBK0KMCB03 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 Kokan Mercantile Co Op Bank Ltd Mandvi branch

The branch is located at KOKAN MERCANTILE CO-OP BANK LTD MANDVI 129/131, SHARIFF DEVJI STREET,CHAKALA, OPP. PATTARWALI MASJID,MUMBAI-400 003, which puts it inside Mumbai, the broader Mumbai district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Kokan Mercantile Co Op Bank Ltd Mandvi branch” — the verified location pin for IFSC KKBK0KMCB03 should appear at the top of the results.
2. Confirm the branch is open by calling 22-23451937 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 KKBK0KMCB03 and your account number.

Common mistakes to avoid when using IFSC KKBK0KMCB03

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 – KOKAN MERCANTILE CO OP BANK LTD MANDVI, 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: KKBK0KMCB03.
• 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.

Working hours

Branch counters at Kokan Mercantile Co Op Bank Ltd Mandvi 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 KKBK0KMCB03 continue to work without interruption.

Verifying IFSC KKBK0KMCB03 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 KKBK0KMCB03 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-23451937.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0KMCB03 belongs to Kotak Mahindra Bank Limited's KOKAN MERCANTILE CO OP BANK LTD MANDVI branch, located at KOKAN MERCANTILE CO-OP BANK LTD MANDVI 129/131, SHARIFF DEVJI STREET,CHAKALA,… in MUMBAI, 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.