IFSC Code of Kotak Mahindra Bank Limited, Lokhandwala-Andheri Branch, Maharashtra

If you are searching for the IFSC code of Kotak Mahindra Bank Limited, LOKHANDWALA-ANDHERI branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is KKBK0000680. 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 LOKHANDWALA-ANDHERI branch, and detailed step-by-step guides for using the IFSC KKBK0000680 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.

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, KKBK0000680 is the IFSC of Kotak Mahindra Bank Limited's LOKHANDWALA-ANDHERI branch. The format is fixed: KKBK = bank code, 0 = reserved, 000680 = 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 Lokhandwala-Andheri branch in Mumbai, Maharashtra is part of this network and uses the IFSC code KKBK0000680 for all electronic settlement.

Branch details at a glance

Lokhandwala-Andheri branch overview

Located at SHOP NUMBERS 9,10 AND 11, GROUND FLOOR, WING B, SILVER SPRING PLOT NO.118, LOKHANDWALA COMPLEX, ANDHERI WEST, MUMBAI-400053, the Lokhandwala-Andheri branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KKBK0000680 is required for all interbank electronic transfers routed through this branch.

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 LOKHANDWALA-ANDHERI of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0000680 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 KKBK0000680 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Lokhandwala-Andheri branch is mapped to IFSC KKBK0000680 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 KKBK0000680.

Products and services

Customers walking into the Lokhandwala-Andheri 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 KKBK0000680

How to transfer money using IFSC KKBK0000680

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 KKBK0000680 across all three.

How to use IFSC KKBK0000680 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's LOKHANDWALA-ANDHERI 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 KKBK0000680.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as LOKHANDWALA-ANDHERI.
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 LOKHANDWALA-ANDHERI

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's LOKHANDWALA-ANDHERI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0000680 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited LOKHANDWALA-ANDHERI (IFSC KKBK0000680)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0000680 in your mobile or internet banking app, and the money is credited to the LOKHANDWALA-ANDHERI branch account within seconds.

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

All three modes accept the IFSC KKBK0000680 for Kotak Mahindra Bank Limited – LOKHANDWALA-ANDHERI, 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 Lokhandwala-Andheri 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 KKBK0000680

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 – LOKHANDWALA-ANDHERI is still mapped to IFSC KKBK0000680. 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 KKBK0000680 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KKBK0000680

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the LOKHANDWALA-ANDHERI 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 KKBK0000680 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 KKBK0000680 and the account number together uniquely identify the Lokhandwala-Andheri branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – LOKHANDWALA-ANDHERI:

• The IFSC is exactly KKBK0000680 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 LOKHANDWALA-ANDHERI 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 Lokhandwala-Andheri branch

The branch is located at SHOP NUMBERS 9,10 AND 11, GROUND FLOOR, WING B, SILVER SPRING PLOT NO.118, LOKHANDWALA COMPLEX, ANDHERI WEST, MUMBAI-400053, which puts it inside Mumbai, the broader Mumbai Suburban district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Lokhandwala-Andheri branch” — the verified location pin for IFSC KKBK0000680 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 KKBK0000680 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK0000680 for Kotak Mahindra Bank Limited – LOKHANDWALA-ANDHERI, 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 Lokhandwala-Andheri 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 KKBK0000680 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KKBK0000680 is the IFSC code of Kotak Mahindra Bank Limited, LOKHANDWALA-ANDHERI 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.