IFSC Code of Kotak Mahindra Bank Limited, Mahatma Gandhi Road Vijayawada Branch, Andhra Pradesh

Use this page as a one-stop reference for everything related to Kotak Mahindra Bank Limited's MAHATMA GANDHI ROAD VIJAYAWADA branch in VIJAYAWADA, ANDHRA PRADESH. The branch's IFSC code KKBK0007631 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.

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 – MAHATMA GANDHI ROAD VIJAYAWADA is KKBK0007631. The first four letters KKBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 007631 map to this branch in VIJAYAWADA, ANDHRA PRADESH.

Bank profile

Kotak Mahindra Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Mahatma Gandhi Road Vijayawada branch — IFSC KKBK0007631 — extends the bank's services to customers in and around Vijayawada, Andhra Pradesh.

Mahatma Gandhi Road Vijayawada branch overview

Located at KOTAK MAHINDRA BANK LTD, 56-3-2, BUNDER ROAD, NEAR DURGA MAHAL, PATAMATA, VIJAYAWADA - 520010, the Mahatma Gandhi Road Vijayawada branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KKBK0007631 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 MAHATMA GANDHI ROAD VIJAYAWADA branch came to be assigned the code KKBK0007631.

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 KKBK0007631, money simply cannot be routed to the MAHATMA GANDHI ROAD VIJAYAWADA branch electronically.

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 KKBK0007631 and the account number together uniquely identify the Mahatma Gandhi Road Vijayawada branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KKBK0007631

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 KKBK0007631 across all three.

NEFT to Kotak Mahindra Bank Limited, MAHATMA GANDHI ROAD VIJAYAWADA using IFSC KKBK0007631

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 KKBK0007631, and confirm that the system picks up Kotak Mahindra Bank Limited – MAHATMA GANDHI ROAD VIJAYAWADA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MAHATMA GANDHI ROAD VIJAYAWADA

If you need to transfer ₹2 lakh or more in one go to an account at Kotak Mahindra Bank Limited's MAHATMA GANDHI ROAD VIJAYAWADA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KKBK0007631 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 – MAHATMA GANDHI ROAD VIJAYAWADA, use IMPS. With IFSC KKBK0007631 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 KKBK0007631 for Kotak Mahindra Bank Limited – MAHATMA GANDHI ROAD VIJAYAWADA, 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 Mahatma Gandhi Road Vijayawada 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 MAHATMA GANDHI ROAD VIJAYAWADA branch, the IFSC KKBK0007631 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.

Products and account variants supported

Every account opened at the Mahatma Gandhi Road Vijayawada branch is mapped to IFSC KKBK0007631 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 KKBK0007631.

Products and services

Customers walking into the Mahatma Gandhi Road Vijayawada 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 KKBK0007631

Online banking and IFSC KKBK0007631

Kotak Mahindra Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MAHATMA GANDHI ROAD VIJAYAWADA 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 KKBK0007631 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 Mahatma Gandhi Road Vijayawada branch

The branch is located at KOTAK MAHINDRA BANK LTD, 56-3-2, BUNDER ROAD, NEAR DURGA MAHAL, PATAMATA, VIJAYAWADA - 520010, which puts it inside Vijayawada, the broader Krishna district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Kotak Mahindra Bank Limited Mahatma Gandhi Road Vijayawada branch” — the verified location pin for IFSC KKBK0007631 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 KKBK0007631 and your account number.

Common mistakes to avoid when using IFSC KKBK0007631

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 – MAHATMA GANDHI ROAD VIJAYAWADA, 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: KKBK0007631.
• 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.

Working hours

Branch counters at Mahatma Gandhi Road Vijayawada 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 KKBK0007631 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KKBK0007631 for Kotak Mahindra Bank Limited – MAHATMA GANDHI ROAD VIJAYAWADA, 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

Final notes

To recap: KKBK0007631 is the IFSC code of Kotak Mahindra Bank Limited, MAHATMA GANDHI ROAD VIJAYAWADA branch, in VIJAYAWADA, ANDHRA PRADESH. 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.