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Kotak Mahindra Bank IFSC and MICR Code

Sajhyadri C Posted on June 09, 2025

Table of Contents

Introduction

In today’s digitised banking environment, accurate and quick fund transfers are essential. Whether you’re sending money online or issuing a cheque, specific banking codes ensure smooth, secure, and traceable transactions. Two such important codes are the IFSC (Indian Financial System Code) and MICR (Magnetic Ink Character Recognition). Both are assigned to banks and their branches to identify them uniquely during financial transactions.

For Kotak Mahindra Bank customers, knowing these codes is especially crucial for NEFT, RTGS, IMPS transfers, or when using cheques. This guide explains the meaning, structure, and use of Kotak Mahindra Bank IFSC and MICR codes, along with how to find them easily.

What Is an IFSC Code

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch that handles electronic fund transfers like NEFT, RTGS, and IMPS.

Key Features:

Used to uniquely identify a bank branch.
Essential for routing online payments correctly.
Standardised across all Indian banks.

For example, the IFSC of Kotak Mahindra Bank’s F.C. Road branch in Pune is KKBK0001769.

This code is used during:

Online fund transfers (NEFT, RTGS, IMPS).
Auto-debits or standing instructions.
Setting up UPI-linked accounts in some cases.

What Is a MICR Code

MICR stands for Magnetic Ink Character Recognition. It is a 9-digit numeric code printed on the bottom of cheques, used for processing and clearing them faster. Unlike IFSC, which is needed for online transfers, MICR is primarily used for cheque-based banking.

MICR Code Breakdown:

First 3 digits: City code (aligned with the PIN code).
Next 3 digits: Bank code.
Last 3 digits: Branch code.

For example, Kotak Mahindra Bank’s Hadapsar branch in Pune has the MICR code 411485013. This facilitates cheque clearance and helps identify where the cheque is drawn.

Structure of Kotak Mahindra Bank IFSC Code

The Kotak Mahindra bank IFSC code follows the standard 11-character format defined by the RBI.

Format: AAAA0BBBBBB

AAAA: First four characters represent the bank’s code. For Kotak Mahindra Bank, this is always KKBK.
0: The fifth character is reserved as '0', kept standard across all IFSC codes.
BBBBBB: Last six characters denote the specific branch code.

Example:

IFSC Code: KKBK0001769
Breakdown:
- KKBK = Kotak Mahindra Bank
- 0001769 = Pune branch identifier

This structure helps ensure that online transfers via NEFT or RTGS are directed accurately to the intended recipient’s branch.

Where to Find the IFSC of Kotak Mahindra Bank

Customers can easily find their Kotak Mahindra bank IFSC using several methods provided by the bank:

Official Kotak Website: Visit the bank’s branch locator and IFSC finder. You can select your state, city, and branch to view the IFSC code.
Chequebook: Each cheque leaf carries the IFSC printed at the top. It is usually located near the branch address.
Passbook: For account holders, the IFSC is printed on the first page of the passbook alongside the account number and branch details.
Mobile Banking App: Log into the Kotak Mobile Banking App, go to your account details, and view the IFSC code for your account.
Customer Care: You may also call Kotak’s customer care to retrieve your IFSC code by verifying your identity.

These multiple channels ensure that users can access the IFSC of Kotak Mahindra bank securely and conveniently for any digital banking needs.

Where to Find the MICR Code for Kotak Accounts

Locating your Kotak Mahindra Bank MICR code is equally straightforward. Here are the common places where it is available:

Chequebook: The 9-digit MICR code is printed at the bottom of every cheque. It is located near the cheque number in magnetic ink, making it readable by MICR machines.
Passbook: Similar to the IFSC, MICR is mentioned on the first page of your account passbook along with other branch details.
Locator Tool: You can also use Kotak’s official Branch Locator to find MICR codes. Just select the branch to view both IFSC and MICR.

The MICR code plays a crucial role in speeding up cheque clearance and ensuring the accuracy of interbank settlement.

Difference Between IFSC and MICR Code

While both IFSC and MICR codes are used to identify bank branches, they serve very different purposes in the Indian banking system. Here’s a quick comparison:

Feature	IFSC Code	MICR Code
Full Form	Indian Financial System Code	Magnetic Ink Character Recognition
Format	11-character alphanumeric	9-digit numeric
Usage	Online fund transfers (NEFT, RTGS, IMPS)	Cheque processing & clearance
Issued By	Reserve Bank of India (RBI)	Reserve Bank of India (RBI)
Found On	Cheque leaf, passbook, Kotak Mahindra Bank app	Bottom of cheque leaf, passbook

These codes are not interchangeable. Using the correct code ensures that your payment—whether digital or paper-based—is processed efficiently and reaches the intended account without delay.

Why Are These Codes Important for Banking Transactions

Whether you’re an individual, a business, or a government entity, the need for secure and precise banking is universal. Here’s why these codes matter:

IFSC Code Importance:

Enables accurate routing of electronic transfers.
Required for NEFT, RTGS, and IMPS transactions.
Ensures funds reach the right branch and account.
Eliminates dependency on physical presence at the bank.

MICR Code Importance:

Automates cheque clearance using MICR readers.
Minimises manual errors during sorting and processing.
Speeds up the overall cheque settlement cycle.

In essence, these codes are foundational to India’s core banking system, ensuring every transaction is traceable, compliant, and seamlessly routed.

Tips for Secure Online Transactions Using IFSC

Using the Kotak Mahindra bank IFSC code for transfers is safe, but users should still follow a few precautions to avoid mistakes or fraud:

Best Practices:

Double-check IFSC codes before confirming a transfer. A single character error can misroute your funds.
Use only official banking channels like mobile app, internet banking, or branch support to find your IFSC.
Beware of phishing websites that mimic official bank pages or show incorrect codes.
Update beneficiary details carefully, especially if a branch has been relocated or merged.

Extra Tip:

If you are unsure whether a transaction went through, check the transaction status in the bank’s official mobile app or internet banking portal, or speak to customer service. Avoid reinitiating payments immediately. These habits not only protect your funds but also make online banking smoother and error-free.

Conclusion

The IFSC of Kotak Mahindra bank and its MICR code play crucial roles in ensuring seamless, error-free banking—whether you’re paying online or using cheques. Understanding the structure and application of these codes empowers customers to bank more confidently, whether they're individuals or enterprises.

Both codes can be found easily through Kotak’s official tools, including passbooks, chequebooks, and digital platforms. With India's growing reliance on digital transactions, knowing how to correctly use IFSC and MICR codes is no longer optional—it’s essential.

By staying informed and vigilant, you ensure that your money reaches the right destination swiftly and securely.

FAQs

Kotak mahindra bank ifsc code

What is Kotak IFSC code?

The Kotak Mahindra Bank IFSC code is an 11-character alphanumeric code used to identify each bank branch for electronic fund transfers. It typically starts with 'KKBK', followed by a zero, and then a unique six-digit branch code.

Which branch IFSC code is KKBK0000811?

The IFSC code KKBK0000811 corresponds to the Kotak Mahindra Bank branch located in Manek Bagh, Ahmedabad. You can verify this by visiting the bank's official website or contacting their customer service.

How can I get the IFSC code for Kotak Net Banking?

To find your IFSC code via Kotak Net Banking, log in and navigate to the 'Account Overview' section, where your account details, including the IFSC code, are displayed.

What is my IFSC code?

Your IFSC code is available on your Kotak chequebook, passbook, and within the 'Account Overview' section of both Net Banking and Mobile Banking platforms.

Where is my 9-digit MICR code?

The 9-digit MICR code is printed at the bottom of your Kotak cheques, specifically in the middle section of the numbers. It can also be found on physical account statements sent by the bank.

How to find MICR code without a chequebook?

If you don't have a chequebook, you can find your MICR code on physical account statements or by logging into Kotak's Net Banking or Mobile Banking platforms, where it's listed under account details.

Can we share an IFSC code?

Yes, sharing your branch's IFSC code is safe and often necessary for receiving electronic payments. However, always ensure that other sensitive information like your account number remains confidential.

Hi! I’m Sajhyadri C

Blogger

Always ready to dive into new ideas and topics, Sajhyadri is a storyteller from Kolkata, the City of Joy. He enjoys weaving narratives that make finance feel less intimidating and more inspiring. As a financial content writer, he uses the power of the pen to craft insightful blogs, compelling video scripts, and marketing copies that catch the eye. Off duty, he’s either checking out the latest web series, listing out new eateries, or debating whether his favourite football team will finally have a better season!