Kotak Mahindra Bank — AGWAR GUJJRAN BRANCH Branch

How to Use KKBK0003909 for Money Transfers

The IFSC code KKBK0003909 is specifically assigned to the AGWAR GUJJRAN 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 KKBK0003909 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 KKBK0003909 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 KKBK0003909 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 AGWAR GUJJRAN BRANCH Branch

The AGWAR GUJJRAN BRANCH branch of Kotak Mahindra Bank is situated in LUDHIANA, PUNJAB. The branch address is GRD 1ST FLR SHOP NO BXIX 1849 PLOT NO 508 1A 505 1B 508 1C COLLEGE RD AGWAR GUJJRAN JAGRAON PB 142026. This branch supports electronic payment services including NEFT, RTGS, IMPS, and UPI. You can contact this branch at +9118602662666. Always use the IFSC code KKBK0003909 when making any online fund transfer to an account held at this branch.