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Kotak Mahindra Bank Limited IFSC Code in Pune, Maharashtra - Kotak Mahindra Bank Limited Branch List Pune, Maharashtra

86 Results
Branch Name IFSC Code Address Action
AUNDH PUNE KKBK0001772 HPN1GRUNDFLRKALPATARUENCLAVEDPRADAUNDHPUNE411027MAHARAHTRA View
BARAMATI BRANCH KKBK0001760 BHIGWAN ROAD,BARAMATI 413102,TALUKA BARAMATI,DISTRICT PUNE MAHARASHTRA View
BAVDHAN KKBK0001805 1 FLOOR HEERA HEIGHTS PLT 139 SURVEY 14 2 3 4 AND 16 1 2 VIKAS NAGAR COLONY SHINDE NGR PUNE 411021 View
BHOSARI BRANCH KKBK0001774 GR FLOOR MADUR ENGINEERS PVT LTD PLOT NO 71 1A 2 GEN BLOCK TELCO ROAD MIDC BHOSARI PUNE 411026 View
CHAKAN KKBK0000728 SHUBHMANGAL PLAZA, TALEGAON CHOWK, PUNE-NASHIK HIGHWAY, CHAKAN, PUNE, MAHARASHTRA - 410 501. View
CHANDOLI KKBK0002153 KOTAK MAHINDRA BANK LTD, SHOP NO. G- 8, 9, 29, 30, SAI PLAZA, PUNE - NASHIK HIGHWAY, BAZARPETH, RAJGURUNAGAR, PUNE, CHANDOLI - 410505. MAHARASHTRA View
DAREKARWADI KKBK0002141 KOTAK MAHINDRA BANK LTD, 1, COMMERCE ZONE, BEHIND RSB TRANSMISSION, NAGAR - PUNE HIGHWAY, DAREKARWADI - 412208. MAHARASHTRA View
F C ROAD CASH POINT KKBK0001795 KOTAK MAHINDRA BANK MANTRI CENTRE F C ROAD PUNE 411 004 MAHARASHTRA View
FATIMA NAGAR BRANCH KKBK0001807 GROUND AND MEZZANINE FLOOR SHOWROOM NO A B WING KPCT MALL FATIMA NAGAR WANOWRIE PUNE 411040 View
FURSUNGI BRANCH KKBK0001784 GR FLR SURVEY 207 OPP SP INFOCITY HADAPSAR SASWAD RD TALUKA HAVELI DIST PUNE MAHARASHTRA PIN 412308 View
HADAPSAR BRANCH PUNE KKBK0001752 HADAPSAR BRANCH, GROUND FLOOR, UNIT NO-II, FARENA CORPORATE PARK, MAGARPATTA ROAD, HADAPSAR View
HINJEWADI PHASE I KKBK0001819 KOTAK MAHINDRA BANK LTD 5 TERMINAL ONE SURVEY NO 256 HISSA NO 7 HINJEWADI PHASE I PUNE 411057 MAHARASHTRA View
KALYANI NAGAR BRANCH KKBK0001758 KALYANI NAGAR,SUPPORT SERVICE BUILDING,VADGAON SHERI,KALYANI NAGAR,PUNE 411014 View
KARVE NAGAR BRANCH KKBK0001808 UPPER GR FLR MENTION IN SANCTION PLAN 1ST FLR SHOWROOM 1 ESTONIA CTS 1363 OPP MANOHAR MANGAL KARYALAYA KARVE ROAD ERANDWANE PUNE 411004 View
KATRAJ BRANCH KKBK0001802 LOWER GROUND FLOOR SHOP NO 8 9 AND 10 KADAM PLAZA IN BUILDING NO C HAVING SURVEY NO 7 1 PLOT NO X A1 MOUJE KATRAJ TALUKA HAVELI DISTRICT PUNE 411046 View
KHARADI BRANCH KKBK0001773 UPPER GROUND FLOOR NO G 5 STELLAR SPACES SURVEY NOS 6 2 1 6 2 4 AND 6 2 22A OPPOSITE ZENSOR BOP KHARADI PUNE 411016 View
KOREGAON MUL KKBK0002223 KOTAK MAHINDRA BANK LTD, RADHA KISHAN BUILDING, SANASWADI JEJURI ROAD, URULI KANCHAN, PUNE, KOREGAON MUL - 412202. MAHARASHTRA View
KOREGAON PARK BRANCH PUNE KKBK0001756 KOREGAON PARK BRANCH-PUNE GROUND FLOOR,28/2, NORTH MAIN ROAD, KOREGAON PARK, PUNE -411001 View
KUMTEKAR ROAD KKBK0000732 GROUND FLOOR , MEZZANINE FLOOR, CTS NO. 648, SADASHIV PETH , PUNE, KUMTEKAR ROAD PUNE-411030 View
LONAVALA KUMAR RESORT BRANCH KKBK0001998 KOTAK MAHINDRA BANK LTD, GROUND FLOOR, SHOP NO. 1, 2, 14 & 15 & FIRST FLOOR, UNIT NO.1 & 2 PART, MODI PLAZA, OLD MUMBAI PUNE ROAD, LONAVALA - 410401, MAHARASHTRA View
MANJARI KKBK0001804 UPPER GR FLR AND MEZZANINE FLR JAIMALA BUSINESS CNTR E WING MANJRI TALUKA HAVELI PUNE 412307 View
MODEL COLONY BRANCH KKBK0001759 SHOWROOM NO.1 AND 2,PRIME CENTER BUILDING,MODEL COLONY,SHIAJI NAGAR,PUNE 411016 View
NARAYAN LAXMI ROAD BRANCH KKBK0001775 THE CITY JEWEL MALL BELOW BHAGGAT TARACHAND 709 NARAYAN LAXMI ROAD PUNE 411030 View
NARAYANGAON BRANCH PUNE KKBK0001754 GROUND FLOOR, SWAMIRATNA BUILDING, PUNE-NASHIK HIGHWAY, OPP. HP PETROL PUMP, POST NARAYANGAON, PIN 410504, TALUKA JUNNAR, DISTRICT PUNE. MAHARASHTRA. View
NARHE BRANCH KKBK0001801 GRD FLR ASMITA SUVEY NO 50 8A NARHE POST DHAYARI TALUKA BHOR DISTRICT PUNE MAHARASHTRA 411041 View
NAVI PETH BRANCH KKBK0001800 GR FLR SHOP NO 10 PART 12 13 14 AND 15 GLOBAL TRADE CENTER 212 RAMBAUGH COLONY LBS MARG PUNE 411030 View
NIGDI BRANCH PUNE KKBK0001757 SHOP NOS. 34,35,36,37,38,39, UPPER GROUND FLOOR CITY PRIDE PLOT NO -12 & 13, SDC, SECTOR NO.25, PUNE CHINCHWAD NEW TOWN DEVELOPMENT (PCNTDA), NIGDI , PUNE- 411044 View
PASHAN BRANCH KKBK0001810 SHOP SHOW ROOM NO 5 GROUND FLOOR IRIZ BANER PASHAN LINK ROAD PASHAN PUNE 411 021 View
PAUD ROAD BRANCH PUNE KKBK0001751 GROUND FLOOR, JYOTI MOHAN DESHMUKH TOWERS, PLOT NO-6, SURVEY NO-129, IDEAL COLONY,PAUD ROAD, KOTHRUD, PUNE View
PIMPLE SAUDAGAR BRANCH KKBK0001790 GR AND MEZZANINE FLR SHOP NO 1 S NO 153 JARVARI BULG OPP P K INTL SCHOOL PIMPLE SAUDAGAR PUNE 411027 View
PIMPRI BRANCH KKBK0001798 GR MEZZANINE AND BASEMENT KUDALE PLAZA SURVEY 11 HISSA 1 1D 1 2 3 4 5 6 CTS 879 WAGHERE PUNE 411017 View
PIMPRI CHINCHWAD THERGAON KKBK0002094 GROUND AND MEZZANINE FLOOR, SHOP NO. 1,2,3, SHUKHWANI PACIFIC 2, CHAPHEKAR CHOWK, OPP. ADITYA BIRLA HOSPITAL, BEHIND MORYA GOSAVI TEMPLE, CHINCHWAD, PUNE 411033 View
PUNE KKBK0000721 NEW ADDRESS- M 4, VIRWANI PLAZA COMPLEX, OPP DASS ELECTRONICS, EAST STREET, NEXT TO BOMBAY GARAGE, PUNE 411001 View
PUNE KKBK0001769 928 MANTRI CENTRE F C ROAD PUNE 411004 View
PUNE KKBK0000723 M-4, VIRWANI PLAZA,11, EAST STREET,PUNE View
PUNE - AUNDH KKBK0000726 KOTAK MAHINDRA BANK LTD. NAGRAS TOWER, NAGRAS ROAD, AUNDH, PUNE & MAHARASHTRA , PIN CODE - 411007 View
PUNE PRIDE CITY CHARHOLI KKBK0002165 KOTAK MAHINDRA BANK LTD, SHOP NO. 43 & 44, TOWN PLAZA, PRIDE WORLD CITY, CHARHOLI ROAD, PUNE - 412105, MAHARASHTRA. View
PUNE - CHINCHWAD KKBK0000725 4/ 4A KUNAL PLAZA, CTS NO 453 L, STATION ROAD, CHINCHWAD, PUNE, MAHARASHTRA - 411 019. View
PUNE - HADAPSAR - AMANORA PARK KKBK0002151 KOTAK MAHINDRA BANK LTD, AMBROSIA ALLEY, AMANORA PARK TOWN, HADAPSAR, PUNE - 411028. MAHARASHTRA View
PUNE - HINJEWADI - PHASE ONE KKBK0002230 KOTAK MAHINDRA BANK LTD, 25, BLUE RIDGE, PHASE 1, HINJEWADI, PUNE - 411057. MAHARASHTRA View
PUNE - KATRAJ KONDHWA ROAD KKBK0002159 KOTAK MAHINDRA BANK LTD, 22 & 23, GAGAN SIGNET, KATRAJ - KONDHWA ROAD, KONDHWA BUDRUK, PUNE - 411048, MAHARASHTRA. View
PUNE - KHADKI KKBK0000727 KOTAK MAHINDRA BANK LTD GROUND FLOOR SHOP NO D3 D4 D5 D6 GURU TEJ BHADUR HOUSING SOCIETY LTD BUILDING NO D OPPOSITE LIC OFFICE KHADKI PUNE 411003 View
PUNE - KHARADI - EON FREE ZONE KKBK0002228 KOTAK MAHINDRA BANK LTD, EON FREE ZONE, PHASE I, EON FREE ZONE ROAD, KHARADI, PUNE - 411014. MAHARASHTRA View
PUNE - KONDHAVE KHURD KKBK0000724 GROUND & MEZZANINE FLOOR, SHOP NOS. 1, 2, 3 & 4, KESAR HOUSE, PLOT NO. 3, SALUNKE VIHAR ROAD, KONDHWA, PUNE, MAHARASHTRA - 411 048. View
PUNE - MOSHI KKBK0002131 KOTAK MAHINDRA BANK LTD, LC-1, WING A, SPINE CITY, SECTOR - 9, SPINE ROAD, NEW PRADHIKARAN, MOSHI, PUNE - 411026. MAHARASHTRA View
PUNE - NANDED CITY ROAD KKBK0002160 KOTAK MAHINDRA BANK LTD, 5 - 7, STATURE, SINHAGAD ROAD, VADGAON KHURD, DHAYARI, PUNE - 411041, MAHARASHTRA. View
PUNE - NIBM CHOWK KKBK0002142 KOTAK MAHINDRA BANK LTD, 2 BRAMHA ESTATE COMMERCIAL PREMISES CHS, SHOP NO. 1, 2 & 48, KONDHWA KHURD, PUNE - 411048. MAHARASHTRA View
PUNE - WARJE KKBK0002155 KOTAK MAHINDRA BANK LTD, SHOWROOM NO. 2, SPARK AVENUE, ATUL NAGAR, MUMBAI BANGALORE HIGHWAY, 2ND SERVICE ROAD, WARJE, PUNE 411058. MAHARASHTRA View
PUNE BANER ROAD BRANCH KKBK0001767 FIRST FLOOR PRABHAVEE TECH PARK BANER ROAD BANER PUNE 411007 View
PUNE BIBEWADI KKBK0001770 36 NU FURN PARIJAT SOCIETY BIBEWADI KONDHWA ROAD PUNE AND MAHARASHTRA 411037 View
PUNE CHAKAN KKBK0002119 KOTAK MAHINDRA BANK LTD A7 2 1 CAPITAL SQUARE PHASE IV NIGHOJE CHAKAN 410501 MAHARASHTRA View
PUNE CHAROLI PHATA KKBK0002227 KOTAK MAHINDRA BANK LTD, 12, SANKALP VASTU, CHARHOLI PHATA, CHOVISAWADI, PIMPRI-CHINCHWAD, PUNE - 412105. MAHARASHTRA View
PUNE CHIKHALI KKBK0002149 KOTAK MAHINDRA BANK LTD, SHOP NO. 3 AND 4, DEHU ALANDI ROAD, CHIKHALI, PIMPRI CHINCHWAD, PUNE - 411062, MAHARASHTRA. View
PUNE DHANORI KKBK0002110 KOTAK MAHINDRA BANK LTD 1 AAIJI DHAM A PORWAL ROAD DHANORI PUNE 411047 View
PUNE GANGADHAM CHOWK KKBK0002126 KOTAK MAHINDRA BANK LTD, 5, SOLITAIRE PREMIER TOWER, BIBEWADI, GANGADHAM CHOWK, PUNE - 411037. MAHARASHTRA View
PUNE GUNAWADI BRANCH KKBK0001762 GROUND FLOOR MILKAT NO 795 POST GUNAWADI VILLAGE GUNWADI TALUKA BARAMATI PUNE 413102 View
PUNE HINJEWADI KKBK0001768 WHITE SQUARE HINJEWADI WAKAD ROAD PUNE MAHARASHTRA 411057 View
PUNE KARHATI BRANCH KKBK0001761 GROUND FLOOR HOUSE NO 1049 AT POST KARHATI TALUKA BARAMATI DISTRICT PUNE MAHARASHTRA PIN 412204 View
PUNE KESHAV NAGAR KKBK0002127 KOTAK MAHINDRA BANK LTD, 3 4, SHRI MAHAGANESH NAGARI, S. NO. 36/37, KESHAV NAGAR MUNDHWA, PUNE - 411036. MAHARASHTRA View
PUNE KHARADI GRANT ROAD KKBK0002152 KOTAK MAHINDRA BANK LTD, 5, GAGAN GRANT BAY, NEAR EON IT PHASE II, KHARADI, PUNE - 411014. MAHARASHTRA View
PUNE KOTHRUD BRANCH KKBK0001765 GR AND MEZ FLR LEFT SIDE PORTION B JUNCTION SR NO 1 2 NEAR KARVE STATUS KOTHRUD PUNE 411038 View
PUNE MADANWADI BRANCH KKBK0001763 SHOP NO 10 AND 11 ADINATH SHOPPING CENTRE BHIGWAN BARAMATI ROAD MADANWADI INDAPUR PUNE 413130 View
PUNE MILLENNIUM STAR DHOLE PATIL ROAD BRANCH KKBK0001753 DHOLE PATIL ROAD PUNE GROUND FLOOR & FIRST FLOOR SHOP NO.1, MILLENNIUM STAR SASON ROAD, DHOLE PATIL ROAD, PUNE-411001. View
PUNE PAWARWADI BRANCH KKBK0001766 GR FLOOR MILKAT NO115 GAT NO380 GAIKWAD WASTI UDMAIWADI UDHAT PAWARWADI INDAPUR PUNE MH PIN 413104 View
PUNE RAVET KKBK0002116 KOTAK MAHINDRA BANK LTD E TWIN TOWER 106 MAHAVIR CORNER RAVET BRTS ROAD AUNDH PUNE 412101 MAHARASHTRA View
PUNE RAVIWAR PETH KKBK0002103 KOTAK MAHINDRA BANK LTD CTS NO 723 RAISONI CAPITAL RAVIWAR PETH BUDHWAR PETH PUNE 411002 MAHARASHTRA View
PUNE SINHGAD ROAD BRANCH KKBK0001764 GR AND MEZ FLR SHOP NO 5 6 7 SR NO 15 KUDALE PATIL ESTATE MANIKBAUGH SINHGAD RD HINGANE PUNE 411051 View
PUNE TIMBER MARKET KKBK0001986 266B BHAWANI PETH TIMBER MARKET PUNE MAHARASHTRA PIN CODE 411042 View
PUNE VIMAN NAGAR KKBK0001812 GROUND AND MEZZANINE LOFT FLOOR UDCHALO HOUSE ARENA BUILDING PLOT NO 10 VIMAN NAGAR PUNE 411 014 View
PUNE WAGHOLI BRANCH KKBK0001793 GR FLR SHANKAR BAN COMPLEX GAT 602 607 PUNE NGR RD NR CARE HOSPITAL WAGHOLI MAHARASHTRA PIN 412207 View
RAMWADI KKBK0000730 GROUND & MEZZANINE , SRISHTL CHAMBERS, C WING SURVEY NO.29A/1/3/5, PUNE NAGAR ROAD, PUNE-411004 View
SAHAKAR NAGAR BRANCH KKBK0001803 GROUND MEZZANINE FLOOR RUTURANG BUILDING A AND B SHOP NO 1 2 3 AND 4 SURVEY NO 49 1 SAHAKAR NAGAR PUNE 411009 MAHARASHTRA View
SENAPATI BAPAT ROAD BRANCH KKBK0001779 SHOP NO 104 FIRST FLOOR SUNIT CAPITAL SENAPATI BAPAT ROAD OPP MEMORIAL HOSPITAL PUNE 411016 View
SHIRUR KKBK0002100 UPPER GROUND FLOOR, SHOP NO. 1,2,3,4,5 , PLOT NO. 201, SHIV DARSHAN ICON, BABURAO NAGAR , SHIRUR BYPASS, SHIRUR 412210 , PUNE, MAHARASHTRA View
SHRI RUKHMINI SAHAKARI BANK LTD AMBEGAON KKBK0SRSB07 SHRI RUKHMINI SAHAKARI BANK LTD S NO 44 NR CHAKRADHAR DATTANAGR CHOWK JAMHULWADI RD DIST PUNE 411046 View
SHRI RUKHMINI SAHAKARI BANK LTD MANDAVGAN FARATA KKBK0SRSB10 MILKAT NO 0328 MANDAVGAN FARATA TAL SHIRUR DIST PUNE 412211 View
SHRI RUKHMINI SAHAKARI BANK LTD NARHE KKBK0SRSB08 SHRI RUKHMINI SAHAKARI BANK LTD SR S NO 44 SWAMI LANDMARK BUILDING NARHE TAL HAVELI DIST PUNE 411041 View
SHRI RUKHMINI SAHAKARI BANK LTD PIMPALE KKBK0SRSB09 SHRI RUKHMINI SAHAKARI BK MILKAT 1081 SHIKRAPUR CHAKAN RD PIMPALE JAGTAP TAL SHIRUR DIST PUNE 412208 View
SHRI RUKHMINI SAHAKARI BANK LTD SHIKRAPUR KKBK0SRSB04 SHRI RUKHMINI SAHAKARI BANK LTD SHIKRAPUR A/P PABAL RD,SHIKRAPUR & TAL SHIRUR, DIST. PUNE, PIN 412208 View
SWARGATE PUNE KKBK0001771 KUICHMBESNELXMINYNCHOWKPUNESODPUNE411037MHSH View
TALEGAON DABHADE BRANCH KKBK0001794 SHOP NO 24 AND 25 SHANTAI CITY CENTRE STATION RD TALEGAON DABHADE DISTRICT PUNE MAHARASHTRA 410507 View
THERMAX CHOWK KKBK0001811 GROUND FLOOR MARUTI HOUSE PLOT NO GP187 G BLOCK MIDC PIMPRI CHINCHWARD INDUSTRIAL AREA THERMAX CHOWK PUNE 411019 View
TILAK ROAD BRANCH PUNE KKBK0001755 TILAK ROAD BRANCH PUNE, SHOW ROOM NO. - S-2, UPPER GROUND FLOOR AND MEZZANINE FLOOR NIKHIL PRIDE, SADASHIV PETH, TILAK ROAD PIN 411030 View
UNDRI BRANCH KKBK0001792 GR AND MEZZANINE FLR SHOP 102 AND103 MARVEL GANGA BOULEVARD NIBM KONDWA RD TALUKA HAVELI UNDRI PUNE View
VISHRANTWADI YERWADA BRANCH KKBK0001782 SHOWROOM NO 2 GR FLOOR SIGNET HOUSE PLOT NO 3 ALANDI ROAD YERWADA PUNE 411006 View
WAKAD BRANCH KKBK0001783 SHOW ROOM OFFICE NO 4 GR FLOOR AND MEZZANINE FLOOR B WING G O SQUARE WAKAD PIMPRI CHINCHWAD 411057 View

Detailed Branch Information for Kotak Mahindra Bank Limited IFSC Code in Pune, Maharashtra - Kotak Mahindra Bank Limited Branch List Pune, Maharashtra

You are viewing the branch listings for Kotak Mahindra Bank Limited in Pune, Maharashtra. This page provides the final level of detail needed to initiate a secure transaction.

Important Verification Steps:
Before initiating a transfer to any branch in Pune:

  1. Verify the IFSC Code matches the one printed on the beneficiary's cheque book or passbook.
  2. Check the Branch Address to confirm it is the correct location, especially in large cities with multiple branches.
  3. Note the MICR Code if you are planning to issue a physical cheque.

Safety Tip: The IFSC code is sensitive to the sheer volume of branches. Always double-check. The codes listed here are sourced directly from the RBI master list and are safe for use in all NEFT/RTGS/IMPS applications.

Frequently Asked Questions about IFSC Codes & Banking

IFSC stands for Indian Financial System Code. It is an 11-digit alphanumeric unique code used to identify each bank branch in India. It is mandatory for fund transfers via NEFT, RTGS, and IMPS systems.

You can find your IFSC code in 4 common places:
  1. On your **Bank Cheque Book** (usually top left or center).
  2. On the first page of your **Bank Passbook**.
  3. In your **Net Banking** or **Mobile Banking** app under account details.
  4. Using **Online IFSC Finding Tools** like ToolMini by selecting your bank, state, and branch.

  • IFSC (11 characters): Used for electronic money transfers (online). It identifies the specific bank branch for digital payments.
  • MICR (9 digits): Stands for *Magnetic Ink Character Recognition*. It is used for clearing physical cheques. It helps machines read the cheque details faster.

No. Every single bank branch in India has a unique IFSC code. This uniqueness prevents money from being sent to the wrong branch. Even if two branches are on the same street, their codes will differ in the last 6 characters.

Not always, but it helps. When you transfer money using a **Mobile Number** or **UPI ID**, you don't need it. However, if you choose the "Transfer to Bank Account" option in these apps, you **must** enter the Account Number and IFSC code of the receiver.

Two things can happen: 1. **Code Format Invalid:** The banking system will reject it immediately, and the transaction won't start. 2. **Code Valid but Wrong Branch:** If the Account Number also matches an account in that wrong branch (highly unlikely but possible), funds could be credited wrongly. Usually, the transaction bounces back because the account name won't match.

Yes. When banks merge (e.g., Syndicate Bank into Canara Bank, or Allahabad Bank into Indian Bank), the old IFSC codes are eventually deactivated, and **new codes** are assigned. Customers must update their beneficiaries with the new codes to ensure successful transfers.

The 5th character of every IFSC code is always the digit **zero (0)**. It is reserved by the RBI for future use. If you see an 'O' (letter) instead of '0' (zero), it is a typo.

No. IFSC is only for domestic transfers within India. For international money transfers, you need the **SWIFT Code** (Society for Worldwide Interbank Financial Telecommunication) or BIC.

  • NEFT: No minimum limit. Maximum depends on your bank (usually ₹10 Lakhs/day).
  • RTGS: Minimum ₹2 Lakhs. No upper limit (subject to bank policies).
  • IMPS: Usually capped at ₹5 Lakhs per day.

Yes. An IFSC code alone cannot be used to hack your account or withdraw money. It only identifies the branch location. However, never share your OTP, Password, or PIN along with it.

If a branch moves within the same locality, the IFSC code usually remains the same. However, if it closes and merges with another branch, the accounts are transferred, and you will be assigned the new branch's IFSC code.

When you pay a credit card bill from a *different* bank account via NEFT, you need to add your Credit Card as a beneficiary. In this case, the bank usually provides a specific, universal IFSC code for all credit card payments (e.g., HDFC Card payments use HDFC0000128).

Currently, our tool is optimized for finding the code by drilling down (Bank -> State -> District). We are working on a "Reverse Lookup" feature to let you verify which branch belongs to a specific code.

No, an IFSC code does not have an expiry date. It remains valid as long as the bank branch exists and is operational. It only changes if the branch is closed, merged, or if the bank undergoes a major restructuring.