IFSC Code of Kotak Mahindra Bank Limited, Kotak UPI Credit Card Branch, Maharashtra

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's KOTAK UPI CREDIT CARD branch in MUMBAI, MAHARASHTRA. The branch's IFSC code KKBK00UPICC 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Kotak Mahindra Bank Limited's KOTAK UPI CREDIT CARD branch, the IFSC KKBK00UPICC breaks down as follows: KKBK identifies the bank, 0 is the reserved character, and 0UPICC identifies this particular branch.

Bank profile

Kotak Mahindra Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kotak UPI Credit Card branch — IFSC KKBK00UPICC — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

Kotak UPI Credit Card branch overview

Located at KOTAK IT PARK, ZONE 2, BUILDING 21, OFF WESTERN EXPRESS HIGHWAY, GEN A K VAIDYA MARG, MALAD EAST, MUMBAI 400097, the Kotak UPI Credit Card branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KKBK00UPICC is required for all interbank electronic transfers routed through this branch.

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 KOTAK UPI CREDIT CARD branch came to be assigned the code KKBK00UPICC.

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 KKBK00UPICC, money simply cannot be routed to the KOTAK UPI CREDIT CARD branch electronically.

Account types you can open at the Kotak UPI Credit Card branch

Once you have an account at Kotak Mahindra Bank Limited – KOTAK UPI CREDIT CARD, the IFSC KKBK00UPICC 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 Kotak UPI Credit Card 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 KKBK00UPICC

How to transfer money using IFSC KKBK00UPICC

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 KKBK00UPICC across all three.

NEFT to Kotak Mahindra Bank Limited, KOTAK UPI CREDIT CARD using IFSC KKBK00UPICC

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 KKBK00UPICC, and confirm that the system picks up Kotak Mahindra Bank Limited – KOTAK UPI CREDIT CARD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOTAK UPI CREDIT CARD

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's KOTAK UPI CREDIT CARD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK00UPICC while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited KOTAK UPI CREDIT CARD (IFSC KKBK00UPICC)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK00UPICC in your mobile or internet banking app, and the money is credited to the KOTAK UPI CREDIT CARD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kotak UPI Credit Card

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 KKBK00UPICC:

• 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 KOTAK UPI CREDIT CARD is still linked to IFSC KKBK00UPICC.

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 KOTAK UPI CREDIT CARD branch, the IFSC KKBK00UPICC 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.

Online banking and IFSC KKBK00UPICC

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KOTAK UPI CREDIT CARD 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 KKBK00UPICC 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.

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 KKBK00UPICC and the account number together uniquely identify the Kotak UPI Credit Card branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC KKBK00UPICC

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 – KOTAK UPI CREDIT CARD, 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: KKBK00UPICC.
• 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.

Reaching the branch

The Kotak UPI Credit Card branch sits at KOTAK IT PARK, ZONE 2, BUILDING 21, OFF WESTERN EXPRESS HIGHWAY, GEN A K VAIDYA MARG, MALAD EAST, MUMBAI 400097. If you are travelling from outside Mumbai, 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 KKBK00UPICC and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK00UPICC for Kotak Mahindra Bank Limited – KOTAK UPI CREDIT CARD, 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.

Working hours

Branch counters at Kotak UPI Credit Card 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 KKBK00UPICC continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KKBK00UPICC is the IFSC code of Kotak Mahindra Bank Limited, KOTAK UPI CREDIT CARD branch, in MUMBAI, MAHARASHTRA. 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.