IFSC Code of Kotak Mahindra Bank Limited, Nawanshahar Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kotak Mahindra Bank Limited, NAWANSHAHAR branch in NAWANSHAHR. The 11-digit IFSC KKBK0004077 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Kotak Mahindra Bank Limited at the NAWANSHAHAR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, KKBK0004077 is the IFSC of Kotak Mahindra Bank Limited's NAWANSHAHAR branch. The format is fixed: KKBK = bank code, 0 = reserved, 004077 = 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 Nawanshahar branch in Nawanshahr, Punjab is part of this network and uses the IFSC code KKBK0004077 for all electronic settlement.

About this branch

The branch is located at NO 105 324 AND KHATA NO 125 170 GUJAPUR KALAN NAWANSHAHAR SHAHID BAHAGATH SINGH NAGAR 144514. It serves the Nawanshahr 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 KKBK0004077 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 NAWANSHAHAR branch came to be assigned the code KKBK0004077.

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 KKBK0004077, money simply cannot be routed to the NAWANSHAHAR branch electronically.

How to transfer money using IFSC KKBK0004077

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 KKBK0004077 across all three.

NEFT to Kotak Mahindra Bank Limited, NAWANSHAHAR using IFSC KKBK0004077

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 KKBK0004077, and confirm that the system picks up Kotak Mahindra Bank Limited – NAWANSHAHAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NAWANSHAHAR

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's NAWANSHAHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0004077 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 – NAWANSHAHAR, use IMPS. With IFSC KKBK0004077 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 KKBK0004077 for Kotak Mahindra Bank Limited – NAWANSHAHAR, 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 Nawanshahar 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.

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 NAWANSHAHAR branch, the IFSC KKBK0004077 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 Nawanshahar branch is mapped to IFSC KKBK0004077 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 KKBK0004077.

Products and services

Customers walking into the Nawanshahar 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 KKBK0004077

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 KKBK0004077 and the account number together uniquely identify the Nawanshahar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KKBK0004077

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NAWANSHAHAR 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 KKBK0004077 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 – NAWANSHAHAR:

• The IFSC is exactly KKBK0004077 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 NAWANSHAHAR 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 Nawanshahar branch

The branch is located at NO 105 324 AND KHATA NO 125 170 GUJAPUR KALAN NAWANSHAHAR SHAHID BAHAGATH SINGH NAGAR 144514, which puts it inside Nawanshahr, the broader Nawanshahr district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Nawanshahar branch” — the verified location pin for IFSC KKBK0004077 should appear at the top of the results.
2. Confirm the branch is open by calling 1860-2662666 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 KKBK0004077 and your account number.

Verifying IFSC KKBK0004077 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 KKBK0004077 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1860-2662666.
• 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 Nawanshahar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0004077, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KKBK0004077 is the IFSC code of Kotak Mahindra Bank Limited, NAWANSHAHAR branch, in NAWANSHAHR, PUNJAB. 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.