IFSC Code of Kotak Mahindra Bank Limited, The National Co Op Bank Ltd Borivali Branch, Maharashtra

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's THE NATIONAL CO OP BANK LTD BORIVALI branch in MUMBAI, MAHARASHTRA. The branch's IFSC code KKBK0TNCB12 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 THE NATIONAL CO OP BANK LTD BORIVALI branch, the IFSC KKBK0TNCB12 breaks down as follows: KKBK identifies the bank, 0 is the reserved character, and TNCB12 identifies this particular branch.

Branch details at a glance

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 The National Co Op Bank Ltd Borivali branch in Mumbai, Maharashtra is part of this network and uses the IFSC code KKBK0TNCB12 for all electronic settlement.

The National Co Op Bank Ltd Borivali branch overview

Located at THE NATIONAL CO-OP BANK LTD BORIVALI SHOP NO. A-3 & A-4, LILAM PREMISES CO-OP SOCIETY LTD, RAJENDRA NAGAR, DATTAPADA, BORIVALI (E), MUMBAI 400 066, the The National Co Op Bank Ltd Borivali branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KKBK0TNCB12 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 THE NATIONAL CO OP BANK LTD BORIVALI of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0TNCB12 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 KKBK0TNCB12 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC KKBK0TNCB12

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 KKBK0TNCB12 across all three.

How to use IFSC KKBK0TNCB12 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's THE NATIONAL CO OP BANK LTD BORIVALI 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 KKBK0TNCB12.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as THE NATIONAL CO OP BANK LTD BORIVALI.
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 THE NATIONAL CO OP BANK LTD BORIVALI

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's THE NATIONAL CO OP BANK LTD BORIVALI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0TNCB12 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Kotak Mahindra Bank Limited – THE NATIONAL CO OP BANK LTD BORIVALI, use IMPS. With IFSC KKBK0TNCB12 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 KKBK0TNCB12 for Kotak Mahindra Bank Limited – THE NATIONAL CO OP BANK LTD BORIVALI, 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 The National Co Op Bank Ltd Borivali 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 KKBK0TNCB12

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 – THE NATIONAL CO OP BANK LTD BORIVALI is still mapped to IFSC KKBK0TNCB12. 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 KKBK0TNCB12 and the beneficiary's account number to complete the transfer.

Account types you can open at the The National Co Op Bank Ltd Borivali branch

Once you have an account at Kotak Mahindra Bank Limited – THE NATIONAL CO OP BANK LTD BORIVALI, the IFSC KKBK0TNCB12 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 The National Co Op Bank Ltd Borivali branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-22844494.

• 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 KKBK0TNCB12

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 KKBK0TNCB12 and the account number together uniquely identify the The National Co Op Bank Ltd Borivali branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the The National Co Op Bank Ltd Borivali 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 KKBK0TNCB12 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.

Common mistakes to avoid when using IFSC KKBK0TNCB12

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 – THE NATIONAL CO OP BANK LTD BORIVALI, 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: KKBK0TNCB12.
• 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.

How to reach the The National Co Op Bank Ltd Borivali branch

The branch is located at THE NATIONAL CO-OP BANK LTD BORIVALI SHOP NO. A-3 & A-4, LILAM PREMISES CO-OP SOCIETY LTD, RAJENDRA NAGAR, DATTAPADA, BORIVALI (E), MUMBAI 400 066, which puts it inside Mumbai, the broader Greater 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 The National Co Op Bank Ltd Borivali branch” — the verified location pin for IFSC KKBK0TNCB12 should appear at the top of the results.
2. Confirm the branch is open by calling 22-22844494 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 KKBK0TNCB12 and your account number.

Verifying IFSC KKBK0TNCB12 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 KKBK0TNCB12 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-22844494.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The National Co Op Bank Ltd Borivali 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 KKBK0TNCB12 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0TNCB12 belongs to Kotak Mahindra Bank Limited's THE NATIONAL CO OP BANK LTD BORIVALI branch, located at THE NATIONAL CO-OP BANK LTD BORIVALI SHOP NO. A-3 & A-4, LILAM PREMISES CO-OP… 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.