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

If you are searching for the IFSC code of Kotak Mahindra Bank Limited, UMIYA URBAN CO OP BANK LTD SHESH NAGAR branch in NAGPUR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is KKBK0UUCB04. 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 UMIYA URBAN CO OP BANK LTD SHESH NAGAR branch, and detailed step-by-step guides for using the IFSC KKBK0UUCB04 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.

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 – UMIYA URBAN CO OP BANK LTD SHESH NAGAR is KKBK0UUCB04. The first four letters KKBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters UUCB04 map to this branch in NAGPUR, MAHARASHTRA.

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 Shesh 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, KKBK0UUCB04.

About this branch

The branch is located at UMIYA URBAN CO-OP BANK LTD SHESH NAGAR SHESH NAGAR NAGPUR 440008. It serves the Nagpur 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 KKBK0UUCB04 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 SHESH NAGAR branch came to be assigned the code KKBK0UUCB04.

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 KKBK0UUCB04, money simply cannot be routed to the UMIYA URBAN CO OP BANK LTD SHESH NAGAR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Umiya Urban Co Op Bank Ltd Shesh Nagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0UUCB04 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC KKBK0UUCB04

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 KKBK0UUCB04 across all three.

How to use IFSC KKBK0UUCB04 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 SHESH 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 KKBK0UUCB04.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as UMIYA URBAN CO OP BANK LTD SHESH NAGAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KKBK0UUCB04

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 – UMIYA URBAN CO OP BANK LTD SHESH NAGAR, ensure your bank's portal accepts IFSC KKBK0UUCB04 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Kotak Mahindra Bank Limited – UMIYA URBAN CO OP BANK LTD SHESH NAGAR, use IMPS. With IFSC KKBK0UUCB04 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Umiya Urban Co Op Bank Ltd Shesh 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 KKBK0UUCB04:

• 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 SHESH NAGAR is still linked to IFSC KKBK0UUCB04.

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 UMIYA URBAN CO OP BANK LTD SHESH NAGAR branch, the IFSC KKBK0UUCB04 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.

Products and account variants supported

Every account opened at the Umiya Urban Co Op Bank Ltd Shesh Nagar branch is mapped to IFSC KKBK0UUCB04 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 KKBK0UUCB04.

Products and services

Customers walking into the Umiya Urban Co Op Bank Ltd Shesh 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 KKBK0UUCB04

Digital banking channels

Most day-to-day work that customers used to do at the Umiya Urban Co Op Bank Ltd Shesh Nagar 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 KKBK0UUCB04 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.

How to reach the Umiya Urban Co Op Bank Ltd Shesh Nagar branch

The branch is located at UMIYA URBAN CO-OP BANK LTD SHESH NAGAR SHESH NAGAR NAGPUR 440008, 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 Shesh Nagar branch” — the verified location pin for IFSC KKBK0UUCB04 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 KKBK0UUCB04 and your account number.

Common mistakes to avoid when using IFSC KKBK0UUCB04

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 – UMIYA URBAN CO OP BANK LTD SHESH NAGAR, 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: KKBK0UUCB04.
• 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.

Working hours

Branch counters at Umiya Urban Co Op Bank Ltd Shesh 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 KKBK0UUCB04 continue to work without interruption.

Verifying IFSC KKBK0UUCB04 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 KKBK0UUCB04 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: KKBK0UUCB04 is the IFSC code of Kotak Mahindra Bank Limited, UMIYA URBAN CO OP BANK LTD SHESH 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.