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Kotak Mahindra Bank IFSC and MICR Code:

State wise list of Kotak Mahindra Bank IFSC code, MICR code and addresses of all branches in India

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Kotak Mahindra Bank (KMB) IFSC Code:

Kotak Mahindra Bank IFSC Code

Since the introduction of electronic transfer of funds, it has become extremely easy for customers of banks in India to transfer funds safely and quickly. Kotak Bank has two options of transferring funds electronically; NEFT and RTGS services. RBI have introduced these services in almost all banks in India and they make use of IFSC codes. Each branch of every bank in India have a unique IFSC code which is used to identify the sender and receiver bank in the process of fund transfers. These codes have made transferring money faster, efficient and secure accurate. Further, the chances of fraud are also diminished due to the usage of these codes. The IFSC (Indian Financial System code) is an 11 character, alphanumeric code which contains three parts: The first 4 characters denote the name of the bank. In the example of Kotak Mahindra Bank, this would be KKBK. The fifth character is always zero since it is reserved for future use. The last 6 characters represent the specific branch.

How to Search For Kotak Mahindra Bank (KMB) IFSC & MICR Codes?

There are multiple ways to find the IFSC and MICR code for Kotak Mahindra Bank. You could find them printed on the cheque leaves of cheque books which are issued by the particular branch of Kotak Mahindra Bank. You can log on to the official website of Kotak Mahindra Bank and find the codes there. Another option is to log onto any of the various third party financial websites like BankBazaar and search for the codes there.

If you visit BankBazaar, IFSC and MICR codes for almost every bank in India, including that of Kotak Mahindra Bank. These are the steps one needs to follow to acquire the IFSC or MICR codes that they need:

  1. Visit the BankBazaar website, scroll down the homepage, find the ‘Bank IFSC Code’ tab and click on it.
  2. Clicking on the tab will open a second page where there will be four drops down menus from which you will have to choose the appropriate options. From the ‘Select Bank’ drop down menu, click on ‘Kotak Mahindra Bank’. Choose the suitable options from the other drop down menus including ‘Select State’, ‘Select District’ and ‘Select Branch’. BankBazaar will generate the IFSC and MICR codes for the branch as soon as you have made your choices. The branch’s phone number, address of the branch, branch code etc. will also be provided with the codes.

Using the NEFT and RTGS services provided by Kotak Mahindra Bank is easy, convenient and completely safe. The use of IFSC codes has made this possible. Customers from any Kotak Mahindra Bank branch can transfer money to a beneficiary who has an account in any bank as long as the receiving bank’s branch is NEFT or RTGS enabled.


RBI has introduced the NEFT or National Electronic Funds Transfer as an online electronic payment service. It works on Deferred Net Settlements, thus settlements are done in batches. It is possible to transfer funds to a beneficiary who has an account in any bank in India as long as the beneficiary's bank participates in RBI National Electronic Funds Transfer (RBI - NEFT).

Debiting will be done online. As long as the request is received before 6.00 pm on weekdays (Monday to Friday) and before 12 pm on Saturdays (unless it is a bank holiday. Check out the official website for the complete list of non-working Saturdays), it will be sent to RBI in the respective clearing cycles. The time taken by the Beneficiary's Bank to process the payment will decide the time taken to credit the Beneficiary's account.

You will need the following information to use NEFT service at Kotak Mahindra Bank:

  • The name of the receiver
  • The name of the receiver’s bank and branch
  • The receiver’s account number
  • The IFSC code of the receiver’s bank branch
  • The amount to be transferred

The charges for NEFT transactions are:

Amount Charge (per transaction)
Up to Rs 10,000 Rs 2.50
Rs 10,001 – Rs 1 lakh Rs 5
Rs 1,00,001 – Rs 2 lakh Rs 15
Above Rs 2 lakh Rs 25

These are the charges if the customer holds any kind of savings account from Kotak Mahindra, unless they hold an Ace Account, in which case all transactions will be free of charge.


RTGS (Real Time Gross Settlement) is another fast and extremely safe method of fund transfer which is reserved for transactions of high monetary value. The minimum amount for an RTGS transaction is Rs. 2 lakh. It is possible to transfer funds to a beneficiary who has an account in any bank in India as long as the beneficiary's bank is RTGS enabled.

Debiting will be done online. As long as the request is received before 4.00 pm on weekdays (Monday to Friday) and before 12 pm on Saturdays (unless it is a bank holiday. Check out the official website for the complete list of non-working Saturdays), your request will be processed on the same day. If request is received after cut-off time or on holidays, it will be processed on the next RTGS business day. The amount will be debited from your account only when the request is processed, subject to availability of clear funds.

You will need the following information to use RTGS service at Kotak Mahindra Bank:

  • The receiver’s name
  • The receiver’s bank and branch name
  • IFSC Code of the receiver’s bank
  • The transfer amount
  • The receiver’s account number
  • A remark for the receiver, if any

The charges for RTGS transactions are:

Amount Charge (per transaction)
Between Rs 2 lac to 5 lac Rs 25
Above Rs. 5 lac Rs 50

Headquartered in Mumbai, Kotak Mahindra Bank is the fourth largest Indian private sector bank by market capitalization in the country. It was established in 1985 and created history by being the first bank in India to have been converted from a company to a bank. The bank has over 641 branches and over 1,159 ATMs spread across 363 locations in India. Kotak Mahindra Bank also provides various other financial products to their customers such as deposit accounts, loans, investment services, business banking solutions, treasury and fixed income products among others.

News Related to Kotak Mahindra Bank IFSC Code
  • Kotak Mahindra to dilute equity base

    India’s private sector lender, Kotak Mahindra is looking to raise Rs.5,370 crore by issuing 6.2 crore shares. The new offering will see the bank’s equity base diluted by 3.37%. Kotak Mahindra will raise funds through various options, such as, private placement, rights issue, institutions placement, follow-on public offering, and depository receipts. The board has decided to dilute some of its equity base after reviewing the Reserve Bank of India’s (RBI’s) new guidelines for the shareholding limits of promoters. The current offering will bring the promoter’s stake down to 31%. The promoter sold 1.5% of his stake to two Canadian Pension funds, Canada Pension Plan Investment Board and Casse de Depot et Placement du Quebec, on March 8th. According to an RBI order, the promoter, Uday Kotak will need to drop his personal holdings in Kotak Mahindra to 30% by June, 2017 and finally to 15% by March 2020, to fulfil the RBI’s latest guidelines for new banking licenses.

    31st March 2017

  • Foreign Investment Cap Increased to 42% by Kotak Mahindra Bank

    Kotak Mahindra Bank, the private lender, recently announced that the cap for investment by FIIs (Foreign Institutional Investors) would increase to 42% from 40%.

    In a BSE filing, the bank stated “The board of directors of the bank has approved, subject to statutory and regulatory approvals as may be necessary, increase in ceiling limit for investment by FIIs/sub-accounts of FIIs, FPIs, QFIs, NRIs and PIOs in the equity share capital of the bank, from 40% to 42%.

    8th March 2017

  • Kotak Mahindra Bank offering multiple digital payment methods

    Kotak Mahindra Bank is a private sector bank that has been providing various methods of digital payments to customers. With a high digital banking adoption rate, Kotak Mahindra Bank is one of the few banks that offer multiple digital payment methods. Currently, the bank offers mobile banking, offline mobile banking, and UPI-based payment app called KayPay. The bank is also planning to introduce USSD (Unstructured Supplementary Service Data), this allows a customer to carry out financial as well as the non-financial transaction by using a basic and non-smartphone. The current demonetization of higher value notes has resulted in an increased amount of digital transactions. Kotak Mahindra Bank is working towards making the digital payment methods easier for customers.

    6th December 2016

  • Alibaba.com in Partnership with IDFC Bank, Kotak Mahindra Bank, Delhivery and others to support Indian SME’s logistically

    Chinese e-commerce moghul Alibaba Group is going to partner with several Indian banks as well as Delhivery and non banking financial services to provide help in terms of logistics for small and medium-sized enterprises in India including well-known names such as Kotak Mahindra Bank, Aditya Birla Finance Ltd, IDFC Bank, Delhivery and even the international brand DHL. Alibaba.cm intends to increase their reach in terms fo their Trade Facilitation Centre (TFC) programme said to help SMEs in our country.

    Kotak Mahindra and IDFC will provide banking, transactional and lending solutions to SMEs through online banking that will require IFSC code. Aditya Birla Finance Ltd is said to help enhance SMEs’ exports process through provisional collateral-free loans as well as customized financing options.

    DHL and Delhivery will provide international and domestic courier and logistics services adding more support through their business solutions, prices and customer support.

    19th September 2016

  • Kotak Mahindra launches account opening via tablets

    A senior official from Kotak Mahindra revealed that the bank is about to introduce tablet banking through which customers can obtain new bank accounts via tablets. The facility will be launched on a pilot basis in major cities like Bangalore, Mumbai, Pune etc. The idea is to make banking as smooth and convenient for customers as possible.

    Kotak Mahindra is one of the most popular private banks in the country and is known specifically for having a widespread reach in both the urban and rural areas. The bank offers a host of financial products and services to customers like loans, credit cards, deposit schemes etc.

    28th June 2016

  • Kotak Mahindra Rises to the Top to Become 2nd Most Valued Bank in Private Sector

    With a 32% surge in net profit at the end of the quarter in March 2016, Kotak Mahindra toppled ICICI bank to become the 2nd most valued private sector bank in the country. With a net profit of Rs.695.78 crore at the end of this quarter, it continued to surprise the market when most banks in the country are struggling to post appealing results.

    Owing to its well-controlled asset quality and low credit costs, the bank will continue to earn profits in the F.Y 2016-17. The bank expects to see a growth of 20% in its loan portfolio, owing to demand from the small business and SME segments. On the retail loan front, personal loans & credit cards reported stable growth in the previous quarter. It closed the year with a credit cost of 83 bps which led to an overall credit cost of 45-50 bps for F.Y 2017.

    16th May 2016

  • Opening of Kotak Bank’s International Unit at GIFT

    Kotak Mahindra Bank will be joining its peers by opening an IFSC Banking Unit (IBU) at the GIFT (Gujarat International Finance Tec-City) City. The president of Kotak Bank, KVS Manian, said that they have assigned 20 million for their first international branch in the city.

    Through this branch, Kotak Bank will be able to provide foreign currency deposits and loans to corporates. Borrowing and lending will be done in dollars, however it will be will operated from India and controlled by a single regulator. Mr. Manian also added that the bank is aiming at generating half a billion dollars through its IBU.

    5th April 2016

  • Mobile Banking Campaign from KMB Presents a Multitude of Services

    To give a boost to its mobile banking arm, Kotak Mahindra Bank has launched the “Kona Kona Kotak” themed campaign with the ‘Phone Phone Mein Kotak’ slogan. This campaign aims to showcase services related to its mobile banking application along with hashtag banking. The Phone Phone Mein Kotak campaign has three ad films integrated into it, promoting three mobile banking segments namely Flight Booking, Instant Money Transfer and Tweet to Buy a Book. Kotak Mahindra Bank customers can now make flight and bus bookings, make money transfers using IFSC codes and order a book using the mobile application.

    30th December 2015

  • Book Bus Tickets now with the Kotak Mahindra Mobile App

    Kotak Mahindra Bank customers can now use their mobile banking application to book bus tickets. As the first bank to offer this service, Kotak Mahindra Bank also provides a secure checkout option when customers make payments through their credit cards or bank accounts. This new addition will expand the mobile application’s travel interface which already carries options for booking hotels and flight tickets. This new launch is part of the Kotak Mahindra Bank (KMB) Phone Phone Mein Kotak campaign. This campaign has been run with three different segments namely Instant Money Transfer, Flight Booking and Tweet to Buy a Book, which are key features of Kotak Mahindra's Mobile Banking Experience. Bus tickets can be booked using this facility at discounted prices and without any hassles or transaction failure. Additionally, on the internet banking front, Kotak Mahindra Bank has a strong platform where customers can make fund transfers with IFSC codes and also easily manage their bank accounts.

    18th December 2015

  • Kotak Mahindra Bank Introduces Two New Retail Products - My Family and Alpha

    In an effort to provide better financial solutions to customers, Kotak Mahindra Bank has announced the launch of two new products - Alpha and My Family. Alpha would be a mixture of investment and savings, while My Family would allow families to combine their savings account balances to manage their money better. Both these products would be offered to customers at an interest rate of 6% for a savings account balance of over Rs 1 lakh. Customers choosing Alpha, need to open a savings account along with one investment option, with the scheme providing benefits like life insurance, post retirement income, recurring deposits and mutual funds. My Family is a collective savings account solution which is customised for users with benefits like home banking, lockers on rent, travel cards and other dining and health privileges. Kotak Mahindra Bank would be assigning a dedicated relationship manager for the family, who have to maintain an average monthly account balance, with contribution from at least one of the members.

    The two new introductions will help strengthen Kotak Mahindra Bank’s retail portfolio, which offers various investment and loan products along with exceptional e-banking solutions. As a pioneer in social media banking services, Kotak Mahindra Bank also offers innovative mobile banking and internet banking services, where customers can make instant fund transfers using IFSC codes and the beneficiary’s account details.

    9th September 2015

Kotak Mahindra Bank Dilsukhnagar Branch Kotak Mahindra Bank Hyderabad Himayat Nagar Branch Kotak Mahindra Bank Navabharat Co Op Urban Bank Ltd A S Rao Nagar Branch
Kotak Mahindra Bank Secunderabad Branch Kotak Mahindra Bank Madhapur Branch Kotak Mahindra Bank Delhi Gk 1 Branch
Kotak Mahindra Bank Delhi Nehru Place Branch Kotak Mahindra Bank Delhi Okhla Branch Kotak Mahindra Bank Okhla Industrial Estate Phase Iii Branch Delhi
Kotak Mahindra Bank Vasant Kunj Branch Delhi Kotak Mahindra Bank Ahmedabad Drive In Branch Kotak Mahindra Bank Ahmedabad Navrangpura Branch
Kotak Mahindra Bank Ahmedabad Satellite Branch Kotak Mahindra Bank Cg Road Branch Ahmedabad Kotak Mahindra Bank Raipur Branch
Kotak Mahindra Bank Gurgaon Branch Kotak Mahindra Bank Gurgaon Golf Course Road Branch Kotak Mahindra Bank Gurgaon Sector 14 Branch
Kotak Mahindra Bank Udyog Vihar Branch Gurgaon Kotak Mahindra Bank Banashankari Branch Kotak Mahindra Bank Bangalore Indiranagar Branch
Kotak Mahindra Bank Bangalore Jakkasandra Branch Kotak Mahindra Bank Bangalore Lavelle Road Branch Kotak Mahindra Bank Bangalore Thippasandra Branch
Kotak Mahindra Bank Coles Road Branch Kotak Mahindra Bank Jp Nagar Branch Kotak Mahindra Bank Kammanahalli Main Road Branch
Kotak Mahindra Bank Koramangala Branch Kotak Mahindra Bank Kumbalgodu Branch Bangalore Kotak Mahindra Bank Kottayam Branch
Kotak Mahindra Bank Bhiwandi Branch Kotak Mahindra Bank Shree Mahavir Sahakari Bank Ltd Jalgaon Branch Kotak Mahindra Bank Andheri East Midc Specialized Branch
Kotak Mahindra Bank Andheri Kurla Road Branch Kotak Mahindra Bank Goregaon Branch Kotak Mahindra Bank Kalbadevi Branch
Kotak Mahindra Bank Kokan Mercantile Co Op Bank Ltd Kurla Branch Kotak Mahindra Bank Mumbai Andheri Branch Kotak Mahindra Bank Mumbai Crawford Market Branch
Kotak Mahindra Bank Mumbai Kalina Branch Kotak Mahindra Bank Mumbai Lower Parel Branch Kotak Mahindra Bank New Marine Lines Br Branch
Kotak Mahindra Bank Saki Vihar Road Branch Andheri Kotak Mahindra Bank Seven Bungalow Branch Andheri Kotak Mahindra Bank Nigdi Branch Pune
Kotak Mahindra Bank Pune Millennium Star Dhole Patil Road Branch Kotak Mahindra Bank Thane Ghodbunder Road Branch Kotak Mahindra Bank Bhubaneswar Branch
Kotak Mahindra Bank Chennai Kodambakkam Branch Kotak Mahindra Bank Chennai T Nagar Branch  

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