Kotak Mahindra Bank
Browse official IFSC codes, MICR details, branch addresses, and customer support information for 2,560 branches of Kotak Mahindra Bank across India.
About Kotak Mahindra Bank IFSC Codes & Routing Information
The Indian Financial System Code (IFSC) is an 11-character alphanumeric identifier assigned by the Reserve Bank of India (RBI) to identify branches of Kotak Mahindra Bank. The code format begins with KKBK, followed by control zero 0, and ends with the 6-digit branch identifier.
Use official Kotak Mahindra Bank branch IFSC codes to route electronic transfers including NEFT, RTGS, IMPS, and UPI payments securely through Indian central payment clearing systems.
Kotak Mahindra Bank Balance Check, Missed Call & SMS Banking Numbers
Instant balance enquiry numbers, mini-statement SMS formats, WhatsApp banking, and 24x7 emergency helplinesAccount Balance
Give a missed call from registered mobile number to receive your Kotak account balance via SMS.
Last 3 - 5 Txns
Send SMS TXN to 9971056767 to receive your last 3 debit/credit transactions.
WhatsApp Assistant
Check balance, view last transactions, download statement, find nearest ATM/branch directly on WhatsApp.
Block ATM Debit Card
Instant debit card blocking via SMS or toll-free call.
2. 24x7 Customer Care & Helpline Numbers
3. SMS Banking Syntax & SMS Shortcodes
| Banking Service | SMS Command / Format | Send SMS To | Notes / Information |
|---|---|---|---|
| Balance Enquiry |
BAL
|
9971056767 | Instant balance alert |
| Mini Statement |
TXN
|
9971056767 | Recent transactions alert |
| Block Debit Card |
DCBLOCK <last 4 digits>
|
9971056767 | Block ATM card instantly |
How to use Missed Call & SMS Banking
- Registered Mobile Number: The missed call or SMS must be sent exclusively from the mobile SIM linked to your bank account.
- Auto-Activated: No prior registration needed. The service is pre-activated for all mobile-linked accounts.
- Zero Toll Charges: The call disconnects automatically after 1 or 2 rings without any call cost. The bank delivers the account summary via SMS within 10 to 30 seconds.
Kotak Mahindra Bank Retail Banking, Account Types & Debit Cards
Verified retail banking specifications, minimum balance (MAB) rules, and card withdrawal limits1. Popular Savings & Deposit Account Types
Kotak Mahindra Bank Regular Savings Account
Full digital banking suite with 24x7 UPI, NetBanking, IMPS, and debit card rewards.
Kotak Mahindra Bank Digital Video KYC Account
Open account online in 5 minutes via official app with Aadhaar OTP and Video KYC.
Kotak Mahindra Bank Zero Balance BSBDA Account
Financial inclusion account under RBI guidelines with zero maintenance fee and free RuPay card.
2. Minimum Balance (MAB/AMB) Requirements by Location
| Branch Location / Tier | Minimum Balance Required | Non-Maintenance Penalty |
|---|---|---|
| Metro & Urban Branches | ₹5,000 – ₹10,000 Monthly Average Balance (MAB) |
₹100 – ₹350 + GST per month (shortfall dependent; balance cannot turn negative per RBI)
Per RBI mandate, banks cannot turn savings account balances negative.
|
| Semi-Urban Branches | ₹2,500 – ₹5,000 Monthly Average Balance (MAB) | |
| Rural Branches | ₹1,000 – ₹2,500 Monthly Average Balance (MAB) |
3. Popular Debit Card Variants & Daily Transaction Limits
Kotak Mahindra Bank Platinum Debit Card
NFC contactless tap-and-pay, higher daily shopping limits, and merchant reward points.
Kotak Mahindra Bank Classic Debit Card
Standard domestic EMV chip card for cash withdrawal and secure online shopping.
Digital Account Opening & Video KYC Prerequisites
Open a paperless savings account online in 5-10 minutes with Aadhaar OTP authentication and live Video KYC.
Browse Kotak Mahindra Bank Branches by State / Union Territory
Select your state below to find the specific branch, IFSC code, and district clearing center.
All Kotak Mahindra Bank Branches
Showing active branches and verified IFSC codes for RTGS/NEFT/IMPS transfers.
Customer Support & Grievance Redressal Mechanism
If you encounter issues with failed electronic fund transfers (NEFT/RTGS/IMPS) or incorrect branch processing at Kotak Mahindra Bank, you can follow the structured RBI escalation path:
Branch Manager / Customer Care
Lodge your complaint with the local branch manager or call the toll-free customer helpline. Obtain a complaint reference token.
Internal Grievance Cell
If unresolved within 10 days, escalate to the bank's Principal Nodal Officer (PNO) or Chief Quality Care officer at the corporate headquarters.
RBI Banking Ombudsman
If the grievance remains unresolved for over 30 days, file an online complaint at the RBI CMS portal (cms.rbi.org.in) under the Integrated Ombudsman Scheme.
UPI 0.4% Merchant Charges & Limits (NPCI Guidelines)
Understanding the 0.4% MDR on payments above ₹2,000, fee caps & consumer exemptionsZero Cost to Users
All personal transfers (P2P) and purchases made by customers are 100% FREE (₹0 fees). Surcharging customers is illegal.
Commercial Merchants
A 0.4% MDR applies to commercial merchant transactions above ₹2,000 (capped at ₹300). Small vendors (≤ ₹1L/month) are exempt.
NEFT / RTGS / IMPS
Online NEFT & RTGS are free per RBI rules for savings accounts. IMPS allows instant transfers up to ₹5 Lakh around the clock.
Frequently Asked Questions: Kotak Mahindra Bank
0), and ends with a 6-character branch code. You can locate any branch using the state and district directory above.