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

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's VIJAY COMMERCIAL CO OP BANK LTD STOCK EXCHANGE branch in RAJKOT, GUJARAT. The branch's IFSC code KKBK0VCCB04 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, KKBK0VCCB04 is the IFSC of Kotak Mahindra Bank Limited's VIJAY COMMERCIAL CO OP BANK LTD STOCK EXCHANGE branch. The format is fixed: KKBK = bank code, 0 = reserved, VCCB04 = 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 Vijay Commercial Co Op Bank Ltd Stock Exchange branch in Rajkot, Gujarat is part of this network and uses the IFSC code KKBK0VCCB04 for all electronic settlement.

About the Vijay Commercial Co Op Bank Ltd Stock Exchange branch

The Vijay Commercial Co Op Bank Ltd Stock Exchange branch of Kotak Mahindra Bank Limited is situated at VIJAY COMMERCIAL CO OPERATIVE BANK LTD STOCK EXCHANGESADAR BAZAR , RAJKOT, 360001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code KKBK0VCCB04 is used.

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 VIJAY COMMERCIAL CO OP BANK LTD STOCK EXCHANGE branch came to be assigned the code KKBK0VCCB04.

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 KKBK0VCCB04, money simply cannot be routed to the VIJAY COMMERCIAL CO OP BANK LTD STOCK EXCHANGE branch electronically.

How to transfer money using IFSC KKBK0VCCB04

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 KKBK0VCCB04 across all three.

How to use IFSC KKBK0VCCB04 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 STOCK EXCHANGE 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 KKBK0VCCB04.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as VIJAY COMMERCIAL CO OP BANK LTD STOCK EXCHANGE.
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 STOCK EXCHANGE

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 STOCK EXCHANGE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0VCCB04 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 – VIJAY COMMERCIAL CO OP BANK LTD STOCK EXCHANGE, use IMPS. With IFSC KKBK0VCCB04 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

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 KKBK0VCCB04:

• 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 STOCK EXCHANGE is still linked to IFSC KKBK0VCCB04.

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 KKBK0VCCB04

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 STOCK EXCHANGE is still mapped to IFSC KKBK0VCCB04. 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 KKBK0VCCB04 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 Stock Exchange branch is mapped to IFSC KKBK0VCCB04 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 KKBK0VCCB04.

Banking services available

The Vijay Commercial Co Op Bank Ltd Stock Exchange branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 281-2490122.

• 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 KKBK0VCCB04

MICR & cheque-truncation details

Cheques drawn on the Vijay Commercial Co Op Bank Ltd Stock Exchange branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0VCCB04 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 Vijay Commercial Co Op Bank Ltd Stock Exchange 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 KKBK0VCCB04 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 – VIJAY COMMERCIAL CO OP BANK LTD STOCK EXCHANGE:

• The IFSC is exactly KKBK0VCCB04 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 STOCK EXCHANGE 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.

Reaching the branch

The Vijay Commercial Co Op Bank Ltd Stock Exchange branch sits at VIJAY COMMERCIAL CO OPERATIVE BANK LTD STOCK EXCHANGESADAR BAZAR , RAJKOT, 360001. If you are travelling from outside Rajkot, search for the branch on a maps application using the bank name and locality, or call 281-2490122 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 KKBK0VCCB04 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK0VCCB04 for Kotak Mahindra Bank Limited – VIJAY COMMERCIAL CO OP BANK LTD STOCK EXCHANGE, 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.

Working hours

Branch counters at Vijay Commercial Co Op Bank Ltd Stock Exchange 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 KKBK0VCCB04 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0VCCB04 belongs to Kotak Mahindra Bank Limited's VIJAY COMMERCIAL CO OP BANK LTD STOCK EXCHANGE branch, located at VIJAY COMMERCIAL CO OPERATIVE BANK LTD STOCK EXCHANGESADAR BAZAR , RAJKOT,… 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.