IFSC Code of Kotak Mahindra Bank Limited, Rajkot - Sai Baba Circle Branch, Gujarat

Below are the complete branch details for Kotak Mahindra Bank Limited, RAJKOT - SAI BABA CIRCLE branch, located in RAJKOT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is KKBK0002814. 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 KKBK0002814 for Kotak Mahindra Bank Limited – RAJKOT - SAI BABA CIRCLE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – RAJKOT - SAI BABA CIRCLE is KKBK0002814. The first four letters KKBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002814 map to this branch in RAJKOT, GUJARAT.

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 Rajkot - Sai Baba Circle branch in Rajkot, Gujarat is part of this network and uses the IFSC code KKBK0002814 for all electronic settlement.

Rajkot - Sai Baba Circle branch overview

Located at KOTAK MAHINDRA BANK LTD, 4 - 7, SURBHI POSSIBLE - 3, VIBHUTI PARK, 80 FEET ROAD, SAI BABA CIRCLE, KOTHARIYA, RAJKOT - 360022, GUJARAT., the Rajkot - Sai Baba Circle branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KKBK0002814 is required for all interbank electronic transfers routed through this branch.

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 RAJKOT - SAI BABA CIRCLE branch came to be assigned the code KKBK0002814.

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 KKBK0002814, money simply cannot be routed to the RAJKOT - SAI BABA CIRCLE branch electronically.

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 KKBK0002814 and the account number together uniquely identify the Rajkot - Sai Baba Circle branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KKBK0002814

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 KKBK0002814 across all three.

NEFT to Kotak Mahindra Bank Limited, RAJKOT - SAI BABA CIRCLE using IFSC KKBK0002814

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 KKBK0002814, and confirm that the system picks up Kotak Mahindra Bank Limited – RAJKOT - SAI BABA CIRCLE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RAJKOT - SAI BABA CIRCLE

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's RAJKOT - SAI BABA CIRCLE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0002814 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited RAJKOT - SAI BABA CIRCLE (IFSC KKBK0002814)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0002814 in your mobile or internet banking app, and the money is credited to the RAJKOT - SAI BABA CIRCLE branch account within seconds.

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

All three modes accept the IFSC KKBK0002814 for Kotak Mahindra Bank Limited – RAJKOT - SAI BABA CIRCLE, 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 Rajkot - Sai Baba Circle 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 RAJKOT - SAI BABA CIRCLE branch, the IFSC KKBK0002814 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 Rajkot - Sai Baba Circle branch is mapped to IFSC KKBK0002814 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 KKBK0002814.

Banking services available

The Rajkot - Sai Baba Circle branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1860-2662666.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC KKBK0002814

Online banking and IFSC KKBK0002814

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RAJKOT - SAI BABA CIRCLE 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 KKBK0002814 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.

How to reach the Rajkot - Sai Baba Circle branch

The branch is located at KOTAK MAHINDRA BANK LTD, 4 - 7, SURBHI POSSIBLE - 3, VIBHUTI PARK, 80 FEET ROAD, SAI BABA CIRCLE, KOTHARIYA, RAJKOT - 360022, GUJARAT., which puts it inside Rajkot, the broader Rajkot district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Rajkot - Sai Baba Circle branch” — the verified location pin for IFSC KKBK0002814 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 KKBK0002814 and your account number.

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 – RAJKOT - SAI BABA CIRCLE:

• The IFSC is exactly KKBK0002814 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 RAJKOT - SAI BABA CIRCLE 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.

Working hours

Branch counters at Rajkot - Sai Baba Circle 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 KKBK0002814 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK0002814 for Kotak Mahindra Bank Limited – RAJKOT - SAI BABA CIRCLE, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0002814 belongs to Kotak Mahindra Bank Limited's RAJKOT - SAI BABA CIRCLE branch, located at KOTAK MAHINDRA BANK LTD, 4 - 7, SURBHI POSSIBLE - 3, VIBHUTI PARK, 80 FEET… in RAJKOT, GUJARAT. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.