Kotak Mahindra Bank (Kotak) IFSC Code — Complete Guide
Kotak Mahindra Bank is a leading private sector bank in India, founded by Uday Kotak and promoted by Kotak Mahindra Finance Ltd. It received its banking license from RBI in 2003, making it one of India's youngest banks. Today Kotak is among India's top 5 private banks with 2,000+ branches and a reputation for premium banking services and strong financial performance.
How to Find Kotak IFSC Code
- Use the search tool above — select state, district and branch
- Check your Kotak cheque book — IFSC printed at top of every leaf
- Open your Kotak passbook — front page shows IFSC code
- Log in to Kotak net banking → Account Details
Using Kotak IFSC for Transfers
- NEFT: Enter IFSC when adding beneficiary. Settled in 30 minutes.
- RTGS: For transfers above ₹2 lakh. Settled in real time.
- IMPS: 24×7 instant transfers up to ₹5 lakh.
- International: Use SWIFT code KKBKINBB (not IFSC) for overseas transfers.
NEFT, RTGS and IMPS Timings
- NEFT: Available 24×7 including weekends. Settled in 30-minute batches. No minimum amount.
- RTGS: Available 24×7. Minimum ₹2 lakh. Real-time gross settlement.
- IMPS: Instant 24×7. Up to ₹5 lakh per transaction. Credited immediately.
Difference Between IFSC and MICR Code
IFSC (11 alphanumeric characters) is used for online transfers — NEFT, RTGS, IMPS. MICR (9 numeric digits) is printed at the bottom of cheques using magnetic ink for cheque clearing. IFSC is for digital transfers; MICR is for paper cheques. Both are branch-specific and unique per branch.
How to Verify an IFSC Code
Always verify IFSC codes before initiating transfers, especially for large amounts. Use the search tool above to cross-check any IFSC against the official database. An IFSC code should be exactly 11 characters, start with 4 letters (bank code), have a 0 as the 5th character, and end with 6 alphanumeric characters.