IFSC Code of Kotak Mahindra Bank Limited, Mumbai - Wadala - Bhakti Park Branch, Maharashtra

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's MUMBAI - WADALA - BHAKTI PARK branch in MUMBAI, MAHARASHTRA. The branch's IFSC code KKBK0001528 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.

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 – MUMBAI - WADALA - BHAKTI PARK is KKBK0001528. The first four letters KKBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001528 map to this branch in MUMBAI, 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 Mumbai - Wadala - Bhakti Park 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, KKBK0001528.

About this branch

The branch is located at KOTAK MAHINDRA BANK LTD, AJMERA MANHATTAN, BHAKTI PARK, WADALA EAST, MUMBAI - 400037, MAHARASHTRA.. 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 KKBK0001528 is used to identify this branch on the RBI payments network.

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 MUMBAI - WADALA - BHAKTI PARK branch came to be assigned the code KKBK0001528.

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 KKBK0001528, money simply cannot be routed to the MUMBAI - WADALA - BHAKTI PARK branch electronically.

How to transfer money using IFSC KKBK0001528

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 KKBK0001528 across all three.

NEFT to Kotak Mahindra Bank Limited, MUMBAI - WADALA - BHAKTI PARK using IFSC KKBK0001528

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 KKBK0001528, and confirm that the system picks up Kotak Mahindra Bank Limited – MUMBAI - WADALA - BHAKTI PARK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KKBK0001528

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 – MUMBAI - WADALA - BHAKTI PARK, ensure your bank's portal accepts IFSC KKBK0001528 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Kotak Mahindra Bank Limited MUMBAI - WADALA - BHAKTI PARK (IFSC KKBK0001528)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0001528 in your mobile or internet banking app, and the money is credited to the MUMBAI - WADALA - BHAKTI PARK branch account within seconds.

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

All three modes accept the IFSC KKBK0001528 for Kotak Mahindra Bank Limited – MUMBAI - WADALA - BHAKTI PARK, 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 Mumbai - Wadala - Bhakti Park 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 KKBK0001528

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 – MUMBAI - WADALA - BHAKTI PARK is still mapped to IFSC KKBK0001528. 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 KKBK0001528 and the beneficiary's account number to complete the transfer.

Account types you can open at the Mumbai - Wadala - Bhakti Park branch

Once you have an account at Kotak Mahindra Bank Limited – MUMBAI - WADALA - BHAKTI PARK, the IFSC KKBK0001528 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.

Banking services available

The Mumbai - Wadala - Bhakti Park branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1800-4100.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC KKBK0001528

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 KKBK0001528 and the account number together uniquely identify the Mumbai - Wadala - Bhakti Park branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KKBK0001528

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MUMBAI - WADALA - BHAKTI PARK 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 KKBK0001528 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.

Common mistakes to avoid when using IFSC KKBK0001528

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 – MUMBAI - WADALA - BHAKTI PARK, 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: KKBK0001528.
• 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 Mumbai - Wadala - Bhakti Park branch sits at KOTAK MAHINDRA BANK LTD, AJMERA MANHATTAN, BHAKTI PARK, WADALA EAST, MUMBAI - 400037, MAHARASHTRA.. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 1800-4100 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 KKBK0001528 and your account number.

Verifying IFSC KKBK0001528 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 KKBK0001528 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1800-4100.
• Visiting the bank's official branch locator page.

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 Mumbai - Wadala - Bhakti Park branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0001528, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KKBK0001528 is the IFSC code of Kotak Mahindra Bank Limited, MUMBAI - WADALA - BHAKTI PARK 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.