IFSC Code of Kotak Mahindra Bank Limited, Kokan Mercantile Co Op Bank Ltd Rajapur Branch, Maharashtra

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's KOKAN MERCANTILE CO OP BANK LTD RAJAPUR branch in RAJAPUR, MAHARASHTRA. The branch's IFSC code KKBK0KMCB65 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.

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, KKBK0KMCB65 is the IFSC of Kotak Mahindra Bank Limited's KOKAN MERCANTILE CO OP BANK LTD RAJAPUR branch. The format is fixed: KKBK = bank code, 0 = reserved, KMCB65 = branch identifier.

Branch details at a glance

Bank profile

Kotak Mahindra Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kokan Mercantile Co Op Bank Ltd Rajapur branch — IFSC KKBK0KMCB65 — extends the bank's services to customers in and around Rajapur, Maharashtra.

About this branch

The branch is located at KOKAN MERCANTILE CO-OP BANK LTD RAJAPUR KHAMBYE HALL, BAZAR PETH, RAJAPUR, DIST. RATNAGIRI 416 702.. It serves the Rajapur 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 KKBK0KMCB65 is used to identify this branch on the RBI payments network.

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 KOKAN MERCANTILE CO OP BANK LTD RAJAPUR of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0KMCB65 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 KKBK0KMCB65 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 KKBK0KMCB65

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 KKBK0KMCB65 across all three.

How to use IFSC KKBK0KMCB65 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's KOKAN MERCANTILE CO OP BANK LTD RAJAPUR 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 KKBK0KMCB65.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as KOKAN MERCANTILE CO OP BANK LTD RAJAPUR.
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 KOKAN MERCANTILE CO OP BANK LTD RAJAPUR

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's KOKAN MERCANTILE CO OP BANK LTD RAJAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0KMCB65 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited KOKAN MERCANTILE CO OP BANK LTD RAJAPUR (IFSC KKBK0KMCB65)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0KMCB65 in your mobile or internet banking app, and the money is credited to the KOKAN MERCANTILE CO OP BANK LTD RAJAPUR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KKBK0KMCB65 for Kotak Mahindra Bank Limited – KOKAN MERCANTILE CO OP BANK LTD RAJAPUR, 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 Kokan Mercantile Co Op Bank Ltd Rajapur 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 KKBK0KMCB65

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 – KOKAN MERCANTILE CO OP BANK LTD RAJAPUR is still mapped to IFSC KKBK0KMCB65. 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 KKBK0KMCB65 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kokan Mercantile Co Op Bank Ltd Rajapur branch is mapped to IFSC KKBK0KMCB65 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 KKBK0KMCB65.

Products and services

Customers walking into the Kokan Mercantile Co Op Bank Ltd Rajapur 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 KKBK0KMCB65

MICR & cheque-truncation details

Cheques drawn on the Kokan Mercantile Co Op Bank Ltd Rajapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0KMCB65 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 Kokan Mercantile Co Op Bank Ltd Rajapur 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 KKBK0KMCB65 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 KKBK0KMCB65

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 – KOKAN MERCANTILE CO OP BANK LTD RAJAPUR, 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: KKBK0KMCB65.
• 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 Kokan Mercantile Co Op Bank Ltd Rajapur branch

The branch is located at KOKAN MERCANTILE CO-OP BANK LTD RAJAPUR KHAMBYE HALL, BAZAR PETH, RAJAPUR, DIST. RATNAGIRI 416 702., which puts it inside Rajapur, the broader Ratnagiri district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Kokan Mercantile Co Op Bank Ltd Rajapur branch” — the verified location pin for IFSC KKBK0KMCB65 should appear at the top of the results.
2. Confirm the branch is open by calling 2352-222239 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 KKBK0KMCB65 and your account number.

Verifying IFSC KKBK0KMCB65 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 KKBK0KMCB65 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2352-222239.
• 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 Kokan Mercantile Co Op Bank Ltd Rajapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0KMCB65, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KKBK0KMCB65 is the IFSC code of Kotak Mahindra Bank Limited, KOKAN MERCANTILE CO OP BANK LTD RAJAPUR branch, in RAJAPUR, 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.