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

If you are searching for the IFSC code of Kotak Mahindra Bank Limited, KOKAN MERCANTILE CO OP BANK LTD SANGMESHWAR branch in SANGAMESHWAR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is KKBK0KMCB64. 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 KOKAN MERCANTILE CO OP BANK LTD SANGMESHWAR branch, and detailed step-by-step guides for using the IFSC KKBK0KMCB64 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 – KOKAN MERCANTILE CO OP BANK LTD SANGMESHWAR is KKBK0KMCB64. The first four letters KKBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters KMCB64 map to this branch in SANGAMESHWAR, MAHARASHTRA.

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 Kokan Mercantile Co Op Bank Ltd Sangmeshwar branch in Sangameshwar, Maharashtra is part of this network and uses the IFSC code KKBK0KMCB64 for all electronic settlement.

About the Kokan Mercantile Co Op Bank Ltd Sangmeshwar branch

The Kokan Mercantile Co Op Bank Ltd Sangmeshwar branch of Kotak Mahindra Bank Limited is situated at KOKAN MERCANTILE CO-OP BANK LTD SANGMESHWAR 35/B, SHARADHA NIWAS, BAZAR PETH, SANGMESHWAR , DIST. RATNAGIRI 415 611. 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 KKBK0KMCB64 is used.

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 KOKAN MERCANTILE CO OP BANK LTD SANGMESHWAR of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0KMCB64 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 KKBK0KMCB64 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 Kokan Mercantile Co Op Bank Ltd Sangmeshwar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0KMCB64 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 KKBK0KMCB64

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 KKBK0KMCB64 across all three.

How to use IFSC KKBK0KMCB64 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 SANGMESHWAR 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 KKBK0KMCB64.
4. Confirm the bank name auto-populates as Kotak Mahindra Bank Limited and the branch as KOKAN MERCANTILE CO OP BANK LTD SANGMESHWAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KKBK0KMCB64

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Kotak Mahindra Bank Limited – KOKAN MERCANTILE CO OP BANK LTD SANGMESHWAR, ensure your bank's portal accepts IFSC KKBK0KMCB64 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Kotak Mahindra Bank Limited – KOKAN MERCANTILE CO OP BANK LTD SANGMESHWAR, use IMPS. With IFSC KKBK0KMCB64 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 Kokan Mercantile Co Op Bank Ltd Sangmeshwar

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 KKBK0KMCB64:

• 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 KOKAN MERCANTILE CO OP BANK LTD SANGMESHWAR is still linked to IFSC KKBK0KMCB64.

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 KKBK0KMCB64

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 SANGMESHWAR is still mapped to IFSC KKBK0KMCB64. 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 KKBK0KMCB64 and the beneficiary's account number to complete the transfer.

Account types you can open at the Kokan Mercantile Co Op Bank Ltd Sangmeshwar branch

Once you have an account at Kotak Mahindra Bank Limited – KOKAN MERCANTILE CO OP BANK LTD SANGMESHWAR, the IFSC KKBK0KMCB64 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Kokan Mercantile Co Op Bank Ltd Sangmeshwar 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 KKBK0KMCB64

Digital banking channels

Most day-to-day work that customers used to do at the Kokan Mercantile Co Op Bank Ltd Sangmeshwar 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 KKBK0KMCB64 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.

How to reach the Kokan Mercantile Co Op Bank Ltd Sangmeshwar branch

The branch is located at KOKAN MERCANTILE CO-OP BANK LTD SANGMESHWAR 35/B, SHARADHA NIWAS, BAZAR PETH, SANGMESHWAR , DIST. RATNAGIRI 415 611, which puts it inside Sangameshwar, 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 Sangmeshwar branch” — the verified location pin for IFSC KKBK0KMCB64 should appear at the top of the results.
2. Confirm the branch is open by calling 2354-273731 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 KKBK0KMCB64 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 – KOKAN MERCANTILE CO OP BANK LTD SANGMESHWAR:

• The IFSC is exactly KKBK0KMCB64 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 KOKAN MERCANTILE CO OP BANK LTD SANGMESHWAR 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 Kokan Mercantile Co Op Bank Ltd Sangmeshwar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0KMCB64, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK0KMCB64 for Kotak Mahindra Bank Limited – KOKAN MERCANTILE CO OP BANK LTD SANGMESHWAR, 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 KKBK0KMCB64 belongs to Kotak Mahindra Bank Limited's KOKAN MERCANTILE CO OP BANK LTD SANGMESHWAR branch, located at KOKAN MERCANTILE CO-OP BANK LTD SANGMESHWAR 35/B, SHARADHA NIWAS, BAZAR PETH,… in SANGAMESHWAR, MAHARASHTRA. 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.