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Find Kotak Mahindra Bank IFSC & MICR Code

Kotak Mahindra Bank IFSC Code

The country's central bank (RBI) has specified three ways in which we can remit money. These include the popular NEFT, RTGS and IMPS. However, to undertake these transactions, we must have the IFSC Code allotted by RBI to each bank and the specified branch.

The Kotak Mahindra Bank IFSC Code is an 11-digit alphanumeric code having special 4 characters, 'KKBK', stand for the name of the bank, the fifth character is always 'zero' for future use and the final six characters specify the 'exact branch address'.

How to Search for Kotak Mahindra Bank IFSC Codes?

If you are searching for the IFSC code of your home branch, you can use two mechanisms to search. In the offline mode you will find it written on your cheque book, which has been given to you by the Kotak Mahindra Bank branch. If you are looking for online IFSC Code of Kotak Mahindra Bank you can find here in Goodreturns.

State Wise Kotak Mahindra Bank IFSC & MICR Code

About Kotak Mahindra Bank

What is the role of Kotak Mahindra Bank IFSC Code on funds transferring options?

Kotak Mahindra Bank, headquartered in Mumbai, is the nation's 4th largest Indian private sector bank by market profitability.

It was founded in 1985 and built significance by becoming the first bank to be transformed from a corporation to a bank in India. The bank also has more than 1600 branches and over 2519 ATMs located in India across 363 locations. Kotak Mahindra Bank also supports its customers with a range of other financial items, including savings accounts, loans, insurance services, corporate banking solutions, treasury and fixed income securities. It has been incredibly convenient for customers of banks in India to transfer funds easily and conveniently after the advent of electronic transfer of funds.

Kotak Bank has two options for electronic fund transfer i.e. NEFT and RTGS. RBI has incorporated these services across all Indian banks and enables the use of IFSC codes. Every bank has a unique IFSC code for its all branches across the country and is among the mandated specific which is used to render fund transfer between sender and beneficiary. These codes have made it easier, more effective and safe to efficiently transfer money. In addition, because of the use of these codes, the risks of theft are often reduced. The IFSC (Indian Financial System Code) is an alphanumeric code of 11 characters containing three parts: the name of the bank is defined by the first 4 characters. This will be KKBK, in the case of Kotak Mahindra Bank. The fifth character, as it is catered for future use, is always '0'. A particular branch is represented by the last 6 figures. 

What is the use of Kotak Bank IFSC Code For Using NEFT And RTGS Service of The Bank Itself?

It's fast, convenient and fully secure to use the NEFT and RTGS services offered by Kotak Mahindra Bank. This has been facilitated by the use of IFSC codes. As soon as the recipient bank's branch is NEFT or RTGS permitted, customers from any Kotak Mahindra Bank branch can transfer funds to a beneficiary who has an account in any bank.


As an online electronic payment platform, RBI has launched the NEFT or National Electronic Funds Transfer. It functions on Deferred Net Settlements, so plenty of settlements are carried out. As long as the beneficiary's bank interacts in the RBI National Electronic Funds Transfer (RBI-NEFT), it is possible to transfer funds to a beneficiary who has an account with any bank in India. Debiting is going to be conducted electronically. As long as the request is issued on weekdays (Monday to Friday) before 6.00 pm and on Saturdays before 12 pm (except if it is a bank holiday. For the comprehensive list of non-working Saturdays, visit the official website). The period needed to execute the transaction by the beneficiary's Bank will decide about the time required to credit the beneficiary's account.   

To use the NEFT service at Kotak Mahindra Bank, you will need the below listed specifics:

  • Name of the beneficiary or receiver
  • Name of the bank and branch of the receiver
  • Bank account number of the receiver
  • IFSC Code of the bank branch of the receiver
  • Amount you are willing to transfer to the receiver

Charges required to render NEFT Fund Transfer

  • Up to Rs 10,000 - Rs 2.50 per transaction
  • From 10,001 – Rs 1 lakh - Rs 5 per transaction
  • Rs 1,00,001 – Rs 2 lakh - Rs 15 per transaction
  • Above Rs 2 lakh - Rs 25 per transaction    


Another quick and incredibly secure form of fund transfer that is intended for transactions of high value is RTGS (Real Time Gross Settlement). Rs. 2 lakh is the minimum amount cap for an RTGS transaction. It is easier to transfer funds to a beneficiary who has an account in any bank in India, considering that RTGS is permitted by the beneficiary's bank. Fund transfer is going to be conducted electronically in a secure manner. As far as the request is submitted on weekdays (Monday to Friday) before 4.00 pm and on Saturdays before 12 pm (except if it is a bank holiday) the request will be approved on the same day. Search the full list of non-working Saturdays on the approved website) of the bank. It will be accepted on the next RTGS working day if the request is submitted after the stipulated time or on bank holidays. Only after the request is accepted, pursuant to the existence of clear funds the amount will be debited and credited to the account of the beneficiary. To use the RTGS facility at Kotak Mahindra Bank, you will need the following details:

  • Name as per the bank account of the receiver
  • Bank name and branch of the receiver
  • IFSC Code of the receiver’s bank branch
  • Amount you need to transfer to the receiver
  • Bank account number of the receiver     

Where to locate Kotak Bank IFSC Code?

Assume of a bank's IFSC code as a mailing address. This mailing address serves as an integral factor in order to transfer funds from one bank to another. The use of the proper IFSC code, thus, allows transferring money in a hassle-free way. In addition, the IFSC code helps the RBI to track all transactions taking place throughout the country. To find Kotak Mahindra Bank IFSC and MICR Code, one can choose any of the following methods. 

RBI Website: By choosing the right the bank name and the branch name from the drop-down menu, one can visit the RBI website and get the appropriate IFSC and MICR codes.

Cheque Book issued by Kotak Bank: Typically, the IFSC code is printed on the bank's chequebook. One can therefore relate to the chequebook for the same matter.

Passbook of Kotak Bank- A passbook issued by Kotak Mahindra Bank is another way to find the IFSC for the customers of a specific bank branch.

Online banking platforms of Kotak Bank: Net banking and the bank's mobile banking facility are online banking services. These platforms can be used to locate the IFSC and MICR code of your respective bank branch.

Kotak Mahindra Bank MICR Code

A unique 9-digit code generally printed at the bottom of a cheque book is the MICR code or Magnetic Ink Character Recognition Code. The code consists of 9 digits, some of which are necessary, each with 3 digits. The MICR Code helps accelerate cheque processing. Some of the Kotak Bank MICR Code examples are:

  • MICR Code of Gaya Branch, Bihar: 823485002
  • MICR Code of Jorhat, Assam: 785485002

Ways to find Kotak Mahindra Bank MICR Code

You can find the unique MICR code of your specific bank branch by following the ways below:

  • Cheque Book: Usually, the MICR code is printed on the bank's chequebook. One can therefore relate to the chequebook for the same matter.
  • Kotak Mahindra Bank Passbook- The Pass Book issued by the Kotak Mahindra Bank to its account holders is another way to find the MICR Code.
  • Kotak Mahindra Bank online banking facilities- Net banking and the bank's mobile banking facility are online banking platforms. To figure out the MICR Code, one can use these platforms too.

Kotak Mahindra Bank SWIFT Code

A SWIFT Code is stands for Society for Worldwide Interbank Financial Telecommunication. It is a unique code that consists of 8 to 11 digits that are used globally to transfer funds. This code is not used for the transfer of funds within the nation, but is used internationally for the transfer of funds. To get the appropriate SWIFT code, one must contact the customer care team of Kotak Mahindra Bank.    

What is BIC and Routing Code?

Basically, the Bank Identifier Code (BIC), SWIFT codes and the Routing Code are similar. The routing code, SWIFT codes and Bank Identifier Code (BIC) of international banks are generally the same. 

SWIFT Code of Kotak Bank in India

Kotak Mahindra Bank's SWIFT code can be used to transfer money internationally. The International Organization for Standardization (ISO) issues the Kotak Mahindra Bank INDIA Swift Codes. The Swift Code distinguishes branches of Kotak Mahindra Bank that participate in the transfer of funds globally. SWIFT Code of Kotak Mahindra Bank is specific for each branch and therefore varies across a branch to branch. 

What is the use of Kotak Mahindra Bank SWIFT Code?

When transferring money between banks, Kotak Mahindra Bank SWIFT Codes are used, especially for international money transfers, and also for transferring other communications between banks. Mostly the codes can be identified on account statements. The Kotak Mahindra Bank SWIFT Code is required for transferring overseas funds. 

Breakdown of Kotak Mahindra Bank SWIFT Code

The Society for Worldwide Interbank Financial Telecommunication (SWIFT) is a generic model of Business Identifier Codes accepted by the International Organization for Standardization (ISO) (also known as ISO 9362, SWIFT-BIC, BIC code, SWIFT ID or SWIFT code). For both financial as well as non-financial institutions, it is a specific identification code. (A code can also be known as a Business Entity Identifier or BEI when allocated to a non-financial institution.) These codes are used for transferring money between banks, particularly for international money transfers, and also for exchanging other messages between banks.  

Kotak Mahindra Bank Limited, Mumbai - SWIFT Code



Branch Name: BKC BRANCH



Postcode: 400051

Country: India

Let’s breakdown the above mentioned instance of SWIFR code into 4 parts:

Bank Code: KKBK - code assigned to KOTAK MAHINDRA BANK LIMITED

Country Code: IN (India)

Location & Status: BB - represents the location of the bank, the second digit 'B' means active code

Branch Code: XXX or not assigned, representing  this is a head office 

Note: SWIFT Codes are managed by the Society for Worldwide Interbank Financial Telecommunications ('SWIFT') and are headquartered in La Hulpe, Belgium.SWIFT is a registered trademark of S.W.I.F.T. SCRL with its registered address at Avenue Adèle 1, B-1310 La Hulpe, Belgium. 

Kotak Mahindra Bank Immediate Payment Service (IMPS)

They have been carrying out banking facilities that have increased comfort for their customers since Kotak Mahindra was approved by the Reserve Bank of India (RBI) in 2003. The IMPS(Immediate Payment Service) is one such system. Through this feature, customers, at any time of day and year, can transfer money from their account to members of any bank. This service comes under the framework of the Indian National Payments Corporation (NPCI) and comprises all of the country's member banks who have partnered together to offer this reliable alternative. 

Advantages of Kotak IMPS

  • Funds transferred via IMPS are carried out instantly.
  • This fund service is accessible 24x7x365
  • Both the sender and the recipient get an approval message from their respective banks whenever the transaction is completed. 
  • Transactions that occur by IMPS are secure and reliable.
  • Hassle-free method for transfer of funds from one account to another. For this, as done before, one doesn't have to reach the receiver's bank to transfer the funds.
  • Via his or her online account, an user can transfer funds. All that is needed is the account number of the receiver and the bank's IFSC code.
  • One other way by which you can transfer funds is via the bank's mobile banking app. Customers will need to be registered with the bank with a legitimate MMID (Mobile Money Identifier) and their mobile number.

Procedure to initiate IMPS fund transfer through net banking

  • Once you signed in to your net banking account to allow an IMPS transfer, you need to select "transfer and payments".
  • In case it is the first time you are using an IMPS fund transfer service, you need to add the details of the beneficiary by clicking on the “add beneficiary” option. For the same you need to submit the required details of the recipient such as account name and number, bank and IFSC code.
  • Then you will have to select the method of transfer as IMPS once the beneficiary account has been authorized (usually takes around 30 minutes to an hour).
  • Then you will have to specify the specifics of the amount to be transferred once IMPS has been selected as the method of transfer.
  • Next, confirm the specifics and then select "confirm."
  • Once the details are confirmed you will get an activation code or OTP on your registered mobile number by bank. Now you need to enter the OTP on the required space in order to complete the transaction.    

Procedure to initiate a fund transfer via Kotak Mobile Banking

  • Log in to the Kotak Mahindra Bank Mobile Banking app and select “transfer funds” and then tap on  “IMPS”.
  • Now, as with internet banking, the recipient's details-account name and number, bank and IFSC code-will have to be entered by the sender.
  • The customer can initiate the transfer once the particulars of the beneficiary have been accepted.
  • Now tap on “Pay Now” and verify the provided details of the beneficiary
  • Once done confirm the transaction and you will get a successful message on your registered mobile number via SMS by the bank.

Follow the instructions listed for merchant payments through IMPS

  • Sign in to your net banking account select IMPS as the mode of transfer
  • Now select “Merchant Payment” from the available options
  • Now you need to enter the merchant’s MMID and mobile number.
  • Now specify the amount to be transferred and click on “Pay Now”.
  • Validate the beneficiary's specifics and click on "confirm."

Where and when you can use IMPS service?

The various types of merchants that a customer can use IMPS to transfer money are described below:

  • Mobile and DTH recharge
  • Paying insurance premium
  • For online shopping
  • Paying educational related fees
  • Pay utility bill payments
  • Making online transactions, and booking online tickets

Kotak Mahindra Bank RTGS Form

When it comes to high volume transactions, Real Time Gross Settlement is a standard term. Unlike bulk transactions in NEFT, RTGS is a form of continuous payment that is made contingent on every individual transaction. Only if the payment amount is higher than Rs. 2 lakhs the electronic payment mechanism is available to use. The RTGS payment has to be made within 30 minutes of the initiation of the procedure, according to RBI guidelines. To process the transaction, the customer needs to fill out the Kotak Mahindra Bank RTGS form. For NEFT and RTGS, Kotak Mahindra Bank has a single form. It is also essential that, when filling it out, the applicant picks the right alternative. In the Kotak Mahindra Bank RTGS form, the sender must fill in the following details: 

  • Name of the recipient
  • Name of the bank branch of the recipient
  • Amount to be remitted
  • Bank branch name of the sender
  • IFSC code of the recipient’s bank branch
  • Cheque number if required
  • Account number of the recipient
  • Beneficiary account type (current/savings/NRE/Overdraft/Cash Credit/Credit Card/Loan)

The applicant gets an acknowledgement slip since submitting the RTGS form. The UTR alluded to in this slip can be used to lodge a grievance if the money transfer is delayed or halted. Also alluded to in the Kotak RTGS form are the terms and conditions that the sender must agree to facilitate the RTGS money transfer. And they are:

  • The transaction will be refused if the recipient bank is not a participant in the RTGS process.
  • If the recipient's details (bank account number, IFSC code as bank name) are entered inappropriately and for which the transfer is credited in an incorrect account, the bank will not be responsible.

Key things to consider while filling Kotak RTGS Form

Account-holders should be aware that RTGS is only possible within the country while filling Kotak RTGS form or making fund transfer using RTGS. The transactions are driven appropriately by the RBI and the settlement is irreversible (because the settlement takes place directly in the database of RBI. While filling out the Kotak RTGS form, one must consider the below-listed points.

  • Applicants can use net-banking or mobile banking to complete the online form and register for online payment.
  • Depending on the availability, the local branches can also provide the form of local languages and also the form is available in both English and Hindi format.
  • Whenever the RTGS transaction is made at the bank branch, Kotak imposes a nominal fee.
  • A nominal fee is not charged if RTGS fund transfer is made via net banking or mobile banking.
  • Transactions must be processed from Monday to Friday within 4 p.m.; if the transactions are carried out after the cut-off period, these will be accepted on the next working day.
  • The timings for the city of Mumbai are different and are specifically stated on the official website of Kotak Bank.
  • Kotak only approves an online RTGS transaction if the individual has a single or unconditional account signing authority.

Kotak Bank NEFT Form

With NEFT (National Electronic Funds Transfer), Kotak Mahindra Bank serves its customers with the service to transfer funds. By online and offline, customers can use the NEFT service. Account holders are required to fill in or download the Kotak Mahindra Bank NEFT Form online and submit it to the closest bank branch in addition to use the NEFT service. Filling sources for Kotak Mahindra Bank NEFT Form-


By providing the following specifics, customers can use the NEFT service through online and mobile banking.

  • Name of the recipient
  • Account type of the recipient
  • Account number of the recipient
  • IFSC (Indian Financial System Code) of the beneficiary
  • Select NEFT as your fund transfer option


By filling the Kotak Mahindra Bank NEFT form, customers can visit their nearest Kotak Mahindra Bank branch and use the NEFT facility. The NEFT form can be accessed by account holders and submitted by visiting the closest bank branch. To fill the Kotak Mahindra Bank NEFT Form completely, the following details are required:

  • Name of the recipient
  • Account number of the recipient
  • IFSC code of beneficiary’s bank branch
  • Name and account number of the remitter
  • Amount to be transferred

How to register for Kotak Bank IMPS?

Kotak Bank Immediate Payment Service or IMPS is a real-time fund transfer mechanism earlier initiated via cell phones and is now expanded to net banking and ATMs from Kotak to another bank. You need the account number of the beneficiary and the IFSC or Aadhaar number if you want to transfer money via Kotak IMPS. With a Mobile Money Identification Number (MMID) and mobile number, you can also make online payments via IMPS as well.

Steps to register for Kotak Bank IMPS

  • You need to have a mobile banking / net banking account in order to make payments or receive payments or transfer funds from one account to another via Kotak IMPS. 
  • At the time of opening your Kotak account, you can apply for the same and get your 7-digit MMID after successful registration.
  • MMID can also be generated by a mobile application, via SMS or by calling Kotak Customer Care Service.
  • You can download the mobile application or log in to your net banking account once you have successfully registered for mobile banking and received an MMID.

How to generate MMID for Kotak IMPS?

A 7-digit number used to transfer funds via IMPS method from one account to another through mobile banking or net banking is the MMID or Mobile Money Identification Number.    

Kotak Bank IMPS Charges

Fast fund transfer services, including IMPS facilities, are provided by the bank to all account holders at Kotak Mahindra Bank. The fastest choice open to you for making transfers of money online is IMPS or Immediate Payment Service. Let us know all about the charges, timings and limits below for Kotak IMPS. There are incredibly nominal charges for Kotak Bank IMPS which makes it a handy choice for the customers of Kotak Bank in order to make fund transfer, online payment or transaction on the go. The applicable charges for Kotak IMPS are:

  • For amount up to Rs.100000: Rs.5
  • For amount above Rs.100000: Rs.15
  • Note: The above charges do not include the regular GST:

Key takeaways of Kotak Bank IMPS

Kotak IMPS's characteristics make it one of the most common solutions available for the transfer of funds. Such traits are as follows:

  • Using IMPS service you can make a fund transfer up to a limit of Rs.2 lakh per day.
  • 24-7 alternative for transferring funds that can be used even on bank holidays and Sundays for the customers of Kotak Bank.
  • IMPS service comes with nominal charges which makes it an affordable option to transfer funds.
  • A preference to transfer funds to a recipient using the MMID or IFSC code of the bank in which the recipient has an account.
  • A safe and effective option to make fund transfer instantly.
  • By making transactions through your mobile banking app or the net banking account you can track your transaction history as well.

Kotak Bank Mobile Banking Fund Transfer Options

NEFT: NEFT (National Electronic Fund Transfer) is a national electronic payment mechanism that enables customers of Kotak Mahindra to transfer funds within the bank across India. Customers must download the Kotak Mahindra mobile banking app from the app store of their mobile to render a NEFT transfer and enroll using their net banking login details. After that, customers will have to add beneficiaries to their savings account. Customers will have to provide the beneficiary's name, contact number, account number, IFSC code, and bank branch details to activate a beneficiary. It will take the bank about 30 minutes to authorise it after adding a beneficiary. After getting the clearance, any Kotak Mahindra bank account holders will be allowed to transfer up to Rs. 10 lakh to the beneficiaries. 

Real Time Gross Settlement (RTGS): RTGS is yet another means of using the Kotak Mahindra mobile banking app to transfer funds. Rs.2 lakh is the minimum amount that can be transferred using this method. Before transferring the amount, customers will have to add the beneficiary, and the procedure for adding the beneficiary will appear the same as for the NEFT option.

IMPS: Kotak Mahindra Bank is absolutely sure that extreme circumstances will arise where customers will instantly have to transfer funds. This is why they have the option of an Immediate Payment Service (IMPS). Using the functionality, customers can instantly transfer their funds to any beneficiary. The money will be transferred immediately and after a few minutes, the recipient will be able to withdraw the amount transferred. This fund transfer option can be used on a 24x7 basis which makes it the only alternative to use on the go conveniently.    

Kotak Bank Timings

Kotak Mahindra Bank is a provider in India with financial services and banking applications. It offers both retail clients and corporations with banking facilities.If you are willing to do transactions with the bank by visiting one of the branches, you should be aware of the timetable of Kotak Bank. Kotak Mahindra Bank made some improvements in operating time, diminished personnel and cessation of non-essential facilities in the wake of the coronavirus lockdown. However, in August, along with all the banking facilities for the customers, the bank resumed its usual operating hours. After discussion with the respective state governments, the decision was made. The bank takes extra care in terms of operation without contact, sanitation, hygiene, social distancing, and so on. No customer will be authorized without a face mask to access the bank. In comparison to that,

  • Customers are asked to comply with safety personnel for temperature measurement.
  • Before and after entering the bank, customers must sanitise their hands thoroughly.
  • In order to access some sort of facility, proper waits must be maintained inside the bank.
  • If and when there is an unusual circumstance, account holders are urged not to access the branch offices. They must comply with the social distancing guidelines and use internet banking or mobile banking services.

Kotak Bank Working Hours

On the basis of the guidance issued by the Reserve Bank of India and the Banking Commission, the timing of Kotak Mahindra Bank is scheduled. For your comfort, here are all the main Kotak Mahindra Bank schedules for different purposes, including lunch break, NEFT transfer, and RTGS transfer. For Kotak Mahindra Bank's multiple branches across the country, there are no set branch timings. The business days are every week from Monday to Friday and Saturday. But generally, the 1st, 3rd and 5th Saturdays of a month are working days and the remaining 2nd and 4th Saturdays, Sundays are holidays.   

Timings for employees

  • The timetable for metropolitan cities is from 9:45 AM to 4:45 PM.
  • The timetable is from 10 AM to 5 PM for semi and second-tier urban cities.
  • The timetable for rural areas is from 10 AM to 5 PM.

Timings for customers

  • The schedule for metropolitan areas is from 10:00 AM to 4:00 PM.
  • The timetable is from 10 AM to 4 PM for semi and second-tier urban cities.
  • The timetable for rural areas is from 10 AM to 3:30 PM.

Kotak Bank Credit Card IFSC Code

A unique code that is allocated to each branch of the bank is the Indian Financial System Code (IFSC). IFSC code will be required for customers who want to pay their Kotak credit card bills through National Electronic Fund Transfer (NEFT)/Immediate Payment Service (IMPS). The IFSC code for Kotak Mahindra Bank credit card is: KKBK0000958

Steps to pay Kotak Bank Credit Card bill via Kotak Credit Card IFSC Code

The steps required to pay the Kotak Mahindra Credit Card bill via NEFT/IMPS are:

  • Visit the official website of Kotak bank and sign in to your net banking account using User ID and password.
  • Now add your Kotak Bank Credit card as a beneficiary by specifying the required details such as: Name of the beneficiary, Credit card number, and Kotak credit card IFSC code – KKBK0000958
  • The cardholder can make the payment within half an hour once the card has been added as a beneficiary.
  • Only provide and validate the transaction with the amount that needs to be transferred and you are done.

How Kotak bank credit card IFSC code works?

The IFSC code of the Kotak Credit Card consists of 11 alphanumeric digits and is primarily used by the National Electronics Fund Transfer (NEFT) to pay for an overdue credit card bill. An advanced Indian Financial System Code, IFSC, is now specifically issued to all bank credit cards by the Reserve Bank of India. It is worth remembering here that the credit card IFSC code is distinct from what is issued to savings bank account holders. KKBK0000958 is the Kotak Credit Card IFSC code, and this code is primarily used to make payments for credit card bills. The first four letters of the code here, which is 'KKBK', refers to the name of the bank and the next character is '0'. The last 6 digits '00958' represent the branch code, which is the Mumbai branch in this example. It is worth remembering here that for almost all Kotak bank branches, the credit card IFSC code will be the same. The payee name, account form, account number, bank name, and credit card IFSC code are the details needed to pay your credit card bill via NEFT. The 16-digit credit card number and name of the payee will be the account number in this situation.  

How to transfer funds through Facebook with Kotak Mahindra Bank?

In the year 2014, Kotak Mahindra Bank unveiled a money transfer application called KayPay, which helps you to transfer money to individuals on your Facebook friend list without any need for specifics of their bank account. You need an account that has an instant interbank electronic fund transfer facility called Immediate Payment Service or IMPS. You need to register your bank account on KayPay using your Facebook credentials to benefit from the service. The Mobile Money Identifier (MMID), a seven-digit number code given by a bank to its customers who have registered for mobile banking to benefit from the IMPS, must also be provided. Once authorized, after inserting the one-time password sent on your mobile number, you can transfer funds to your Facebook mate. If your buddy is already enrolled under KayPay, the balance will be credited to the account instantly. That being said, your unauthorised friend will have to register the bank account that they want with Kaypay to receive the money. Rs 2,500 can be transferred in a day and Rs 25,000 in a month. No fee for this service will be charged by Kotak Mahindra Bank.   

Procedure to link Aadhaar with Kotak Bank account

According to Finance Minister Nirmala Sitharaman's latest directive, it is mandatory that the bank account be linked to the Aadhaar Card by 31 March 2021. After the deadline expires, the bank will disable all such accounts which are not linked with Aadhaar. For its customers, Kotak Mahindra Bank has offered a range of methods to link their bank accounts with Aadhaar and they are:

  • Via online
  • Via Net Banking
  • Via SMS
  • Via Mobile Banking
  • Offline by visiting to the nearest bank branch physically

Steps to link Aadhaar with Kotak Mahindra bank account online

By visiting the website, account holders can link their bank accounts with Aadhaar online. The mechanism is very easy and quick. To use this facility, there is no need for any document. To link Kotak Mahindra bank with Aadhaar online, you have to follow some steps which are:

  • Using your mobile number, date of birth or CRN, verify your identity
  • Authenticate the OTP sent to your registered mobile number
  • Enter your account number and 12-digit Aadhaar number
  • Submit and your Aadhaar will be linked with your account instantly, you will get a confirmation message for the same on your registered mobile number or email id.   




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