IFSC Code of Kotak Mahindra Bank Limited, The Baroda City Co Operative Bank Ltd Gorwa Branch Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kotak Mahindra Bank Limited, THE BARODA CITY CO OPERATIVE BANK LTD GORWA BRANCH branch in VADODARA. The 11-digit IFSC KKBK0BCCB05 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Kotak Mahindra Bank Limited at the THE BARODA CITY CO OPERATIVE BANK LTD GORWA BRANCH location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, KKBK0BCCB05 is the IFSC of Kotak Mahindra Bank Limited's THE BARODA CITY CO OPERATIVE BANK LTD GORWA BRANCH branch. The format is fixed: KKBK = bank code, 0 = reserved, BCCB05 = branch identifier.

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 The Baroda City Co Operative Bank Ltd Gorwa Branch branch in Vadodara, Gujarat is part of this network and uses the IFSC code KKBK0BCCB05 for all electronic settlement.

Branch details at a glance

The Baroda City Co Operative Bank Ltd Gorwa Branch branch overview

Located at THE BARODA CITY CO OPERATIVE BANK LTD GORWA BRANCH SUNSHINE COMPLEX, REFINARY ROAD, NR. JAKAT NAKA, GORWA, VADODARA - 390 016, the The Baroda City Co Operative Bank Ltd Gorwa 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 KKBK0BCCB05 is required for all interbank electronic transfers routed through this branch.

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 THE BARODA CITY CO OPERATIVE BANK LTD GORWA BRANCH of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0BCCB05 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 KKBK0BCCB05 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the The Baroda City Co Operative Bank Ltd Gorwa Branch branch

Once you have an account at Kotak Mahindra Bank Limited – THE BARODA CITY CO OPERATIVE BANK LTD GORWA BRANCH, the IFSC KKBK0BCCB05 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 The Baroda City Co Operative Bank Ltd Gorwa Branch 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 KKBK0BCCB05

How to transfer money using IFSC KKBK0BCCB05

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 KKBK0BCCB05 across all three.

NEFT to Kotak Mahindra Bank Limited, THE BARODA CITY CO OPERATIVE BANK LTD GORWA BRANCH using IFSC KKBK0BCCB05

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 KKBK0BCCB05, and confirm that the system picks up Kotak Mahindra Bank Limited – THE BARODA CITY CO OPERATIVE BANK LTD GORWA BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE BARODA CITY CO OPERATIVE BANK LTD GORWA BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's THE BARODA CITY CO OPERATIVE BANK LTD GORWA BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0BCCB05 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 – THE BARODA CITY CO OPERATIVE BANK LTD GORWA BRANCH, use IMPS. With IFSC KKBK0BCCB05 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC KKBK0BCCB05 for Kotak Mahindra Bank Limited – THE BARODA CITY CO OPERATIVE BANK LTD GORWA 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 The Baroda City Co Operative Bank Ltd Gorwa 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.

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 THE BARODA CITY CO OPERATIVE BANK LTD GORWA BRANCH branch, the IFSC KKBK0BCCB05 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.

Digital banking channels

Most day-to-day work that customers used to do at the The Baroda City Co Operative Bank Ltd Gorwa Branch 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 KKBK0BCCB05 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.

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 KKBK0BCCB05 and the account number together uniquely identify the The Baroda City Co Operative Bank Ltd Gorwa Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC KKBK0BCCB05

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Kotak Mahindra Bank Limited – THE BARODA CITY CO OPERATIVE BANK LTD GORWA BRANCH, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: KKBK0BCCB05.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the The Baroda City Co Operative Bank Ltd Gorwa Branch branch

The branch is located at THE BARODA CITY CO OPERATIVE BANK LTD GORWA BRANCH SUNSHINE COMPLEX, REFINARY ROAD, NR. JAKAT NAKA, GORWA, VADODARA - 390 016, which puts it inside Vadodara, the broader Vadodara district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited The Baroda City Co Operative Bank Ltd Gorwa Branch branch” — the verified location pin for IFSC KKBK0BCCB05 should appear at the top of the results.
2. Confirm the branch is open by calling 265-2791364 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 KKBK0BCCB05 and your account number.

Verifying IFSC KKBK0BCCB05 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 KKBK0BCCB05 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 265-2791364.
• Visiting the bank's official branch locator page.

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 The Baroda City Co Operative Bank Ltd Gorwa Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KKBK0BCCB05, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0BCCB05 belongs to Kotak Mahindra Bank Limited's THE BARODA CITY CO OPERATIVE BANK LTD GORWA BRANCH branch, located at THE BARODA CITY CO OPERATIVE BANK LTD GORWA BRANCH SUNSHINE COMPLEX, REFINARY… in VADODARA, 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.