IFSC Code of Kotak Mahindra Bank Limited, Saraswati Shakari Bank Limited Ozar Branch, Maharashtra

If you are searching for the IFSC code of Kotak Mahindra Bank Limited, SARASWATI SHAKARI BANK LIMITED OZAR branch in NASHIK, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is KKBK0SSBL02. 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 SARASWATI SHAKARI BANK LIMITED OZAR branch, and detailed step-by-step guides for using the IFSC KKBK0SSBL02 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, KKBK0SSBL02 is the IFSC of Kotak Mahindra Bank Limited's SARASWATI SHAKARI BANK LIMITED OZAR branch. The format is fixed: KKBK = bank code, 0 = reserved, SSBL02 = branch identifier.

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 Saraswati Shakari Bank Limited Ozar branch in Nashik, Maharashtra is part of this network and uses the IFSC code KKBK0SSBL02 for all electronic settlement.

Saraswati Shakari Bank Limited Ozar branch overview

Located at SARASWATI SHAKARI BANK LIMITED 3928, NEAR GADAKH BHAVAN, OLD AGRA ROAD, OZAR MIG (TAL- NIPGAD) DIST NASHIK -422206 (MAHARASHTRA), the Saraswati Shakari Bank Limited Ozar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KKBK0SSBL02 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 SARASWATI SHAKARI BANK LIMITED OZAR branch came to be assigned the code KKBK0SSBL02.

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 KKBK0SSBL02, money simply cannot be routed to the SARASWATI SHAKARI BANK LIMITED OZAR branch electronically.

How to transfer money using IFSC KKBK0SSBL02

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 KKBK0SSBL02 across all three.

How to use IFSC KKBK0SSBL02 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's SARASWATI SHAKARI BANK LIMITED OZAR 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 KKBK0SSBL02.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as SARASWATI SHAKARI BANK LIMITED OZAR.
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 SARASWATI SHAKARI BANK LIMITED OZAR

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's SARASWATI SHAKARI BANK LIMITED OZAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0SSBL02 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited SARASWATI SHAKARI BANK LIMITED OZAR (IFSC KKBK0SSBL02)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0SSBL02 in your mobile or internet banking app, and the money is credited to the SARASWATI SHAKARI BANK LIMITED OZAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Saraswati Shakari Bank Limited Ozar

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 KKBK0SSBL02:

• 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 SARASWATI SHAKARI BANK LIMITED OZAR is still linked to IFSC KKBK0SSBL02.

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 SARASWATI SHAKARI BANK LIMITED OZAR branch, the IFSC KKBK0SSBL02 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 Saraswati Shakari Bank Limited Ozar branch is mapped to IFSC KKBK0SSBL02 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 KKBK0SSBL02.

Products and services

Customers walking into the Saraswati Shakari Bank Limited Ozar 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 KKBK0SSBL02

MICR & cheque-truncation details

Cheques drawn on the Saraswati Shakari Bank Limited Ozar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0SSBL02 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Saraswati Shakari Bank Limited Ozar 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 KKBK0SSBL02 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.

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 – SARASWATI SHAKARI BANK LIMITED OZAR:

• The IFSC is exactly KKBK0SSBL02 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 SARASWATI SHAKARI BANK LIMITED OZAR 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 Saraswati Shakari Bank Limited Ozar branch

The branch is located at SARASWATI SHAKARI BANK LIMITED 3928, NEAR GADAKH BHAVAN, OLD AGRA ROAD, OZAR MIG (TAL- NIPGAD) DIST NASHIK -422206 (MAHARASHTRA), which puts it inside Nashik, the broader Nashik district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Saraswati Shakari Bank Limited Ozar branch” — the verified location pin for IFSC KKBK0SSBL02 should appear at the top of the results.
2. Confirm the branch is open by calling 9826056020 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 KKBK0SSBL02 and your account number.

Verifying IFSC KKBK0SSBL02 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 KKBK0SSBL02 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9826056020.
• 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 Saraswati Shakari Bank Limited Ozar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0SSBL02, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KKBK0SSBL02 is the IFSC code of Kotak Mahindra Bank Limited, SARASWATI SHAKARI BANK LIMITED OZAR branch, in NASHIK, 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.