IFSC Code of Kotak Mahindra Bank Limited, Ratnagiri Branch Branch, Maharashtra

If you are searching for the IFSC code of Kotak Mahindra Bank Limited, RATNAGIRI BRANCH branch in RATNAGIRI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is KKBK0001991. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RATNAGIRI BRANCH branch, and detailed step-by-step guides for using the IFSC KKBK0001991 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 – RATNAGIRI BRANCH is KKBK0001991. The first four letters KKBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001991 map to this branch in RATNAGIRI, MAHARASHTRA.

About Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited operates a wide network of branches across India, including the Ratnagiri Branch branch in Ratnagiri. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, KKBK0001991.

Ratnagiri Branch branch overview

Located at RATNAGIRI BRANCH, GROUND FLOOR & MEZZANINE SHOP NO.4,5&6, VYANKATESH EXECUTIVE MARUTI MANDIR CIRCLE, RATNAGIRI 415639 MAHARASHTRA., the Ratnagiri Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KKBK0001991 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 RATNAGIRI BRANCH of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0001991 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 KKBK0001991 the same way you would treat your account number — verify it once and save it carefully for future use.

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 KKBK0001991 and the account number together uniquely identify the Ratnagiri Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KKBK0001991

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 KKBK0001991 across all three.

How to use IFSC KKBK0001991 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kotak Mahindra Bank Limited's RATNAGIRI BRANCH 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 KKBK0001991.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as RATNAGIRI BRANCH.
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 RATNAGIRI BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's RATNAGIRI BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0001991 while initiating the transfer and the credit will appear within minutes.

IMPS to Kotak Mahindra Bank Limited RATNAGIRI BRANCH (IFSC KKBK0001991)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0001991 in your mobile or internet banking app, and the money is credited to the RATNAGIRI BRANCH branch account within seconds.

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

All three modes accept the IFSC KKBK0001991 for Kotak Mahindra Bank Limited – RATNAGIRI BRANCH, 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 Ratnagiri Branch 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 KKBK0001991

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 – RATNAGIRI BRANCH is still mapped to IFSC KKBK0001991. 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 KKBK0001991 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ratnagiri Branch branch is mapped to IFSC KKBK0001991 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 KKBK0001991.

Banking services available

The Ratnagiri Branch 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 KKBK0001991

Online banking and IFSC KKBK0001991

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RATNAGIRI BRANCH 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 KKBK0001991 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 Ratnagiri Branch branch

The branch is located at RATNAGIRI BRANCH, GROUND FLOOR & MEZZANINE SHOP NO.4,5&6, VYANKATESH EXECUTIVE MARUTI MANDIR CIRCLE, RATNAGIRI 415639 MAHARASHTRA., which puts it inside Ratnagiri, 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 Ratnagiri Branch branch” — the verified location pin for IFSC KKBK0001991 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 KKBK0001991 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 – RATNAGIRI BRANCH:

• The IFSC is exactly KKBK0001991 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 RATNAGIRI BRANCH 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 Ratnagiri Branch 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 KKBK0001991 continue to work without interruption.

Verifying IFSC KKBK0001991 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 KKBK0001991 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 address & contact

Frequently asked questions

Final notes

To recap: KKBK0001991 is the IFSC code of Kotak Mahindra Bank Limited, RATNAGIRI BRANCH branch, in RATNAGIRI, 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.