IFSC Code of Kotak Mahindra Bank Limited, Varanasi Shapuri Heights Branch Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kotak Mahindra Bank Limited, VARANASI SHAPURI HEIGHTS BRANCH branch in VARANASI. The 11-digit IFSC KKBK0005291 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 VARANASI SHAPURI HEIGHTS 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Kotak Mahindra Bank Limited's VARANASI SHAPURI HEIGHTS BRANCH branch, the IFSC KKBK0005291 breaks down as follows: KKBK identifies the bank, 0 is the reserved character, and 005291 identifies this particular branch.

Branch details at a glance

Bank profile

Kotak Mahindra Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Varanasi Shapuri Heights Branch branch — IFSC KKBK0005291 — extends the bank's services to customers in and around Varanasi, Uttar Pradesh.

Varanasi Shapuri Heights Branch branch overview

Located at GR 1ST FLOOR SHAPURI HEIGHTS, B37 117 H PART, BLOCK A, BENIRAM BAGH, BIRDOPUR, VARANASI 221010, the Varanasi Shapuri Heights 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 KKBK0005291 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 VARANASI SHAPURI HEIGHTS BRANCH of Kotak Mahindra Bank Limited — its own 11-character IFSC. The code KKBK0005291 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 KKBK0005291 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC KKBK0005291

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 KKBK0005291 across all three.

NEFT to Kotak Mahindra Bank Limited, VARANASI SHAPURI HEIGHTS BRANCH using IFSC KKBK0005291

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 KKBK0005291, and confirm that the system picks up Kotak Mahindra Bank Limited – VARANASI SHAPURI HEIGHTS BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KKBK0005291

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 – VARANASI SHAPURI HEIGHTS BRANCH, ensure your bank's portal accepts IFSC KKBK0005291 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Kotak Mahindra Bank Limited VARANASI SHAPURI HEIGHTS BRANCH (IFSC KKBK0005291)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KKBK0005291 in your mobile or internet banking app, and the money is credited to the VARANASI SHAPURI HEIGHTS BRANCH branch account within seconds.

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

All three modes accept the IFSC KKBK0005291 for Kotak Mahindra Bank Limited – VARANASI SHAPURI HEIGHTS 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 Varanasi Shapuri Heights 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 VARANASI SHAPURI HEIGHTS BRANCH branch, the IFSC KKBK0005291 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.

Account types you can open at the Varanasi Shapuri Heights Branch branch

Once you have an account at Kotak Mahindra Bank Limited – VARANASI SHAPURI HEIGHTS BRANCH, the IFSC KKBK0005291 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 Varanasi Shapuri Heights 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 KKBK0005291

MICR & cheque-truncation details

Cheques drawn on the Varanasi Shapuri Heights Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KKBK0005291 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 Varanasi Shapuri Heights 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 KKBK0005291 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 – VARANASI SHAPURI HEIGHTS BRANCH:

• The IFSC is exactly KKBK0005291 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 VARANASI SHAPURI HEIGHTS 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.

How to reach the Varanasi Shapuri Heights Branch branch

The branch is located at GR 1ST FLOOR SHAPURI HEIGHTS, B37 117 H PART, BLOCK A, BENIRAM BAGH, BIRDOPUR, VARANASI 221010, which puts it inside Varanasi, the broader Varanasi district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Varanasi Shapuri Heights Branch branch” — the verified location pin for IFSC KKBK0005291 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 KKBK0005291 and your account number.

Verifying IFSC KKBK0005291 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 KKBK0005291 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.

Working hours

Branch counters at Varanasi Shapuri Heights 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 KKBK0005291 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KKBK0005291 belongs to Kotak Mahindra Bank Limited's VARANASI SHAPURI HEIGHTS BRANCH branch, located at GR 1ST FLOOR SHAPURI HEIGHTS, B37 117 H PART, BLOCK A, BENIRAM BAGH, BIRDOPUR,… in VARANASI, UTTAR PRADESH. 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.