Kotak Mahindra Bank Model Town Extension Branch IFSC Code
Kotak Mahindra Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Model Town Extension Branch
Address
Model Town Branch Ludhiana Ground Floor Sco 27 A Block Model Town Extension Ludhiana 141001
View on Google MapsDistrict
Ludhiana
State
Punjab
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Other Kotak Mahindra Bank Branches in Ludhiana
4 nearby branches — click to view IFSC
Ludhiana (feroze Gandhi Market Ludhian - 0251)
Sco 120, Ground Floor,feroze Gandhi Market,ludhiana - 141 001
Miller Gunj Branch (grant Trunk Road Miller Gunj - 3900)
Miller Gunj Branch- Ludhiana, Ground Floor, Premises No. 180, Grant Trunk Road, Miller Gunj, Ludhiana , Punjab-141003
Ludhiana (rani Jhansi Road Civil Lines - 3901)
Kotak Mahindra Bank Ltd., Upper Ground Floor, B-19-400/2, Rani Jhansi Road, Civil Lines, Ludhiana - 141001, Punjab
Gill Road Ludhiana (mandi Gill Road Ludhiana 141 - 3902)
Block Xv 399 And 399 1 Basement Ground And I Floor Moongphali Mandi Gill Road Ludhiana 141003
Frequently Asked Questions
About Kotak Mahindra Bank Model Town Extension Branch (27 A Block Model Town - 3904), Ludhiana
The IFSC code KKBK0003904 (lowercase: kkbk0003904) belongs to Kotak Mahindra Bank, specifically the Model Town Extension Branch (27 A Block Model Town - 3904) branch located in Ludhiana, Punjab.
The 5th character in the IFSC code KKBK0003904 is a zero (0), not the letter 'O'. The correct format is KKBK0003904 (lowercase: kkbk0003904), and not KKBKO003904. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Kotak Mahindra Bank Model Town Extension Branch (27 A Block Model Town - 3904) in Ludhiana, Punjab is KKBK0003904. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Kotak Mahindra Bank Model Town Extension Branch (27 A Block Model Town - 3904) is located at Model Town Branch Ludhiana Ground Floor Sco 27 A Block Model Town Extension Ludhiana 141001, Ludhiana, Punjab. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Kotak Mahindra Bank Model Town Extension Branch (27 A Block Model Town - 3904) is 141485005. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code KKBK0003904 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code KKBK0003904 by checking: (1) The top-left corner of any Kotak Mahindra Bank Model Town Extension Branch (27 A Block Model Town - 3904) cheque leaf, (2) The first page of your Kotak Mahindra Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: KKBK0003904
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
KKBK0003904
What Each Part Means
- Bank Code — KKBK
- The first 4 characters uniquely identify Kotak Mahindra Bank at the national level. Every branch of Kotak Mahindra Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 003904
- The final 6 characters 003904 uniquely identify this specific branch within the Kotak Mahindra Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | KKBK | Identifies Kotak Mahindra Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 003904 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
Kotak Mahindra Bank
Model Town Extension Branch (27 A Block Model Town - 3904), Ludhiana, Punjab
Cheque No.
00003904
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | KKBK0003904 | 141485005 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.