IFSC Code of Kotak Mahindra Bank Limited, Umiya Urban Co Op Bank Ltd Itwari Nagar Branch, Maharashtra

Below are the complete branch details for Kotak Mahindra Bank Limited, UMIYA URBAN CO OP BANK LTD ITWARI NAGAR branch, located in NAGPUR, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is KKBK0UUCB02. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case KKBK0UUCB02 for Kotak Mahindra Bank Limited – UMIYA URBAN CO OP BANK LTD ITWARI NAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 UMIYA URBAN CO OP BANK LTD ITWARI NAGAR branch, the IFSC KKBK0UUCB02 breaks down as follows: KKBK identifies the bank, 0 is the reserved character, and UUCB02 identifies this particular branch.

Branch details at a glance

About Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited operates a wide network of branches across India, including the Umiya Urban Co Op Bank Ltd Itwari Nagar branch in Nagpur. 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, KKBK0UUCB02.

Umiya Urban Co Op Bank Ltd Itwari Nagar branch overview

Located at UMIYA URBAN CO-OP BANK LTD ITWARI NAGAR NEAR ANAJ BAZAR BHANDARA ROAD ITWARI NAGPUR 440002, the Umiya Urban Co Op Bank Ltd Itwari Nagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KKBK0UUCB02 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 UMIYA URBAN CO OP BANK LTD ITWARI NAGAR branch came to be assigned the code KKBK0UUCB02.

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 KKBK0UUCB02, money simply cannot be routed to the UMIYA URBAN CO OP BANK LTD ITWARI NAGAR branch electronically.

How to transfer money using IFSC KKBK0UUCB02

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 KKBK0UUCB02 across all three.

How to use IFSC KKBK0UUCB02 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's UMIYA URBAN CO OP BANK LTD ITWARI NAGAR 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 KKBK0UUCB02.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as UMIYA URBAN CO OP BANK LTD ITWARI NAGAR.
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 UMIYA URBAN CO OP BANK LTD ITWARI NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's UMIYA URBAN CO OP BANK LTD ITWARI NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0UUCB02 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited UMIYA URBAN CO OP BANK LTD ITWARI NAGAR (IFSC KKBK0UUCB02)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0UUCB02 in your mobile or internet banking app, and the money is credited to the UMIYA URBAN CO OP BANK LTD ITWARI NAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Umiya Urban Co Op Bank Ltd Itwari Nagar

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 KKBK0UUCB02:

• 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 UMIYA URBAN CO OP BANK LTD ITWARI NAGAR is still linked to IFSC KKBK0UUCB02.

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.

UPI payments and IFSC KKBK0UUCB02

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 – UMIYA URBAN CO OP BANK LTD ITWARI NAGAR is still mapped to IFSC KKBK0UUCB02. 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 KKBK0UUCB02 and the beneficiary's account number to complete the transfer.

Account types you can open at the Umiya Urban Co Op Bank Ltd Itwari Nagar branch

Once you have an account at Kotak Mahindra Bank Limited – UMIYA URBAN CO OP BANK LTD ITWARI NAGAR, the IFSC KKBK0UUCB02 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 Umiya Urban Co Op Bank Ltd Itwari Nagar 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 KKBK0UUCB02

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 KKBK0UUCB02 and the account number together uniquely identify the Umiya Urban Co Op Bank Ltd Itwari Nagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KKBK0UUCB02

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the UMIYA URBAN CO OP BANK LTD ITWARI NAGAR 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 KKBK0UUCB02 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.

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 – UMIYA URBAN CO OP BANK LTD ITWARI NAGAR:

• The IFSC is exactly KKBK0UUCB02 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 UMIYA URBAN CO OP BANK LTD ITWARI NAGAR 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 Umiya Urban Co Op Bank Ltd Itwari Nagar branch

The branch is located at UMIYA URBAN CO-OP BANK LTD ITWARI NAGAR NEAR ANAJ BAZAR BHANDARA ROAD ITWARI NAGPUR 440002, which puts it inside Nagpur, the broader Nagpur district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Umiya Urban Co Op Bank Ltd Itwari Nagar branch” — the verified location pin for IFSC KKBK0UUCB02 should appear at the top of the results.
2. Confirm the branch is open by calling 712-2729995 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 KKBK0UUCB02 and your account number.

Verifying IFSC KKBK0UUCB02 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 KKBK0UUCB02 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 712-2729995.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Umiya Urban Co Op Bank Ltd Itwari Nagar 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 KKBK0UUCB02 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KKBK0UUCB02 is the IFSC code of Kotak Mahindra Bank Limited, UMIYA URBAN CO OP BANK LTD ITWARI NAGAR branch, in NAGPUR, 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.