Kotak Mahindra Bank — MILLER GUNJ BRANCH Branch

How to Use KKBK0003900 for Money Transfers

The IFSC code KKBK0003900 is specifically assigned to the MILLER GUNJ BRANCH branch of Kotak Mahindra Bank located in LUDHIANA, PUNJAB. This unique code is mandatory for routing electronic payments correctly within India.

NEFT Transfer

Use KKBK0003900 when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.

RTGS Transfer

For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use KKBK0003900 along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.

IMPS & UPI

IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require KKBK0003900 when registering a new beneficiary.

Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.

About Kotak Mahindra Bank MILLER GUNJ BRANCH Branch

The MILLER GUNJ BRANCH branch of Kotak Mahindra Bank is situated in LUDHIANA, PUNJAB. The branch address is MILLER GUNJ BRANCH- LUDHIANA, GROUND FLOOR, PREMISES NO. 180, GRANT TRUNK ROAD, MILLER GUNJ, LUDHIANA , PUNJAB-141003. This branch supports electronic payment services including NEFT, RTGS, IMPS, and UPI. You can contact this branch at +9118602662666. Always use the IFSC code KKBK0003900 when making any online fund transfer to an account held at this branch.