IFSC Code of Kotak Mahindra Bank Limited, Vijay Commercial Co Op Bank Ltd Sorthiyawadi Branch, Gujarat

Below are the complete branch details for Kotak Mahindra Bank Limited, VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI branch, located in RAJKOT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is KKBK0VCCB03. 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 KKBK0VCCB03 for Kotak Mahindra Bank Limited – VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, KKBK0VCCB03 is the IFSC of Kotak Mahindra Bank Limited's VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI branch. The format is fixed: KKBK = bank code, 0 = reserved, VCCB03 = branch identifier.

Bank profile

Kotak Mahindra Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Vijay Commercial Co Op Bank Ltd Sorthiyawadi branch — IFSC KKBK0VCCB03 — extends the bank's services to customers in and around Rajkot, Gujarat.

Vijay Commercial Co Op Bank Ltd Sorthiyawadi branch overview

Located at VIJAY COMMERCIAL CO OPERATIVE BANK LTD SORTHIYAWADISORTHIYAWADI CHOWK, RAJKOT - 360002, the Vijay Commercial Co Op Bank Ltd Sorthiyawadi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KKBK0VCCB03 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0VCCB03 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 KKBK0VCCB03 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Vijay Commercial Co Op Bank Ltd Sorthiyawadi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0VCCB03 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 KKBK0VCCB03

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 KKBK0VCCB03 across all three.

How to use IFSC KKBK0VCCB03 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI 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 KKBK0VCCB03.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI.
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 VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0VCCB03 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI (IFSC KKBK0VCCB03)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0VCCB03 in your mobile or internet banking app, and the money is credited to the VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Vijay Commercial Co Op Bank Ltd Sorthiyawadi

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 KKBK0VCCB03:

• 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 VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI is still linked to IFSC KKBK0VCCB03.

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.

UPI payments and IFSC KKBK0VCCB03

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 – VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI is still mapped to IFSC KKBK0VCCB03. 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 KKBK0VCCB03 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Vijay Commercial Co Op Bank Ltd Sorthiyawadi branch is mapped to IFSC KKBK0VCCB03 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 KKBK0VCCB03.

Banking services available

The Vijay Commercial Co Op Bank Ltd Sorthiyawadi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 281-2234201.

• 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 KKBK0VCCB03

Online banking and IFSC KKBK0VCCB03

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI 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 KKBK0VCCB03 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.

Reaching the branch

The Vijay Commercial Co Op Bank Ltd Sorthiyawadi branch sits at VIJAY COMMERCIAL CO OPERATIVE BANK LTD SORTHIYAWADISORTHIYAWADI CHOWK, RAJKOT - 360002. If you are travelling from outside Rajkot, search for the branch on a maps application using the bank name and locality, or call 281-2234201 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC KKBK0VCCB03 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 – VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI:

• The IFSC is exactly KKBK0VCCB03 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 VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI 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.

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 Vijay Commercial Co Op Bank Ltd Sorthiyawadi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0VCCB03, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK0VCCB03 for Kotak Mahindra Bank Limited – VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI, 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

Final notes

To recap: KKBK0VCCB03 is the IFSC code of Kotak Mahindra Bank Limited, VIJAY COMMERCIAL CO OP BANK LTD SORTHIYAWADI branch, in RAJKOT, GUJARAT. 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.