Kotak Mahindra Bank — DELHI NAI SARAK Branch

About Kotak Mahindra Bank DELHI NAI SARAK Branch — IFSC Code KKBK0004683

Let me give you the actual useful details here, not just the code. Kotak Mahindra Bank's DELHI NAI SARAK branch is in NORTH DELHI, NEW DELHI district, DELHI. The IFSC code is KKBK0004683 — verified against RBI records. You'll need this exact code any time you want to receive a bank transfer to an account held at this branch.

Quick breakdown of what this IFSC code tells you: KKBK = Kotak Mahindra Bank (that's how every Kotak Mahindra Bank branch code starts), the 0 in the middle is RBI's reserved placeholder (it's always zero, no exceptions), and 004683 = the unique identifier for this specific DELHI NAI SARAK branch. Every branch in India has its own tail code.

MICR Code for Kotak Mahindra Bank DELHI NAI SARAK

The MICR code here is 110485182. This is a 9-digit code — entirely separate from the IFSC — used for cheque processing. If you're filling out a form that asks for both IFSC and MICR, those are two different fields requiring two different codes.

How to read MICR code 110485182: digits 1–3 (110) = city code, digits 4–6 (485) = bank code, digits 7–9 (182) = branch code. Cheque-clearing machines at banks use magnetic ink technology to read this — it's been the standard since the 1980s and is still actively used.

How to Use IFSC Code KKBK0004683 for Money Transfers

There are three main ways to send money using this IFSC code — NEFT, RTGS, and IMPS. They're not interchangeable, and picking the wrong one can mean delays or unnecessary fees.

NEFT Transfer (Best for most routine transfers)

NEFT (National Electronic Funds Transfer) works in 30-minute settlement batches, runs 24×7 including holidays, and there's no minimum or maximum transfer limit. Banks cannot charge fees for NEFT transfers — RBI eliminated those fees in January 2020. I use NEFT for practically everything: paying suppliers, rent, EMI mandates. Enter IFSC KKBK0004683 as the branch code when setting up a beneficiary.

RTGS Transfer (For ₹2 lakh and above)

RTGS (Real Time Gross Settlement) is the one where funds actually move in real-time — not batched. Minimum amount is ₹2,00,000 and there's no upper cap. Banks typically charge ₹20–₹50. If you're doing a property transaction, business payment, or any large transfer, RTGS with IFSC KKBK0004683 is the right choice. Settlement is essentially immediate.

IMPS Transfer (For urgent transfers of any size, 24×7)

IMPS (Immediate Payment Service) is instant, works on bank holidays and at 2am, and the limit is ₹5 lakh per transaction. Small charges apply (usually ₹5–₹25). Honestly if something is genuinely urgent, IMPS with IFSC KKBK0004683 is the fastest route. Money reaches the recipient's account in under a minute in most cases.

Services Available at Kotak Mahindra Bank DELHI NAI SARAK

Most Kotak Mahindra Bank branches offer the full stack of banking services: savings and current accounts, fixed deposits, recurring deposits, lockers, home loans, personal loans, education loans, vehicle loans, credit cards, debit cards, and forex services. Internet banking and mobile banking enrollment are available at any branch.

Branch hours are typically Monday to Saturday, 10 AM to 4 PM, with Sundays and bank holidays closed. The 2nd and 4th Saturday of each month are also usually holidays. That said — call ahead before visiting for anything time-sensitive, because individual branches sometimes have different hours.

Kotak Mahindra Bank Branches in NORTH DELHI, DELHI

The DELHI NAI SARAK branch is one of Kotak Mahindra Bank's locations serving NORTH DELHI and NEW DELHI district in DELHI. Use the search on this site to find other Kotak Mahindra Bank branches in NORTH DELHI or nearby areas — enter 'Kotak Mahindra Bank NORTH DELHI' in the search bar to see a full list with IFSC codes and addresses.

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