18 Mcom Sumeet Santosh Kanojia

A PROJECT REPORT ON
―ANALYSIS OF BUSINESS, FINANCIAL STATEMENT AND CUSTOMER

SATISFACTION OF KOTAK MAHINDRA BANK‖
A project submitted to
University of Mumbai for partial completion of the degree of Master in

Commerce
Under the Faculty of Commerce
BY
SUMEET SANTOSH KANOJIA
Under The Guidance Of
PROF. VIRENDRA SINGH
BUNTS SANGHA‟S S.M. SHETTY COLLEGE OF SCIENCE, COMMERCE AND

MANAGEMENT STUDIES, OPPOSITE JALVAYU VIHAR,
POWAI, MUMBAI-400076
December: 2021
Certificate
This is to certify that SUMEET SANTOSH KANOJIA has worked and duly completed his Project
work for the degree of Masters in Commerce under the faculty of Commerce in the subject of
Financial Accounting and his project is entitled “ANALYSIS OF BUSINESS, FINANCIAL
STATEMENT AND CUSTOMER SATISFACTION OF KOTAK MAHINDRA BANK” under
my supervision.
I further certify that the entire work has been done by the learner under my guidance and that no part
of it has been submitted previously for any Degree or Diploma of any University.
It is his own work and facts reported by his personal findings and investigations.
_________________ _________________ ________________
Dr. Sridhara Shetty External Examiner Prof. Virendra Singh
(Principal) (Project Guide)
Date of Submission:
Declaration by Learner
I the undersigned SUMEET SANTOSH KANOJIA hereby, declare that the work embodied in
this project work titled entitled “ANALYSIS OF BUSINESS, FINANCIAL STATEMENT
AND CUSTOMER SATISFACTION OF KOTAK MAHINDRA BANK” forms my own
contribution to the research work carried out under the guidance of Prof. VIRENDRA SINGH
and is a result of my own research work and has not been previously submitted to any other
university for any other Degree/Diploma to this or any other University.
Wherever reference has been made to previous works of others, it has been clearly indicated as
such and included in the bibliography.
I, hereby further declare that all the information of this document has been obtained and
presented in accordance with academic rules and ethical conduct.
SUMEET SANTOSH KANOJIA

Name and signature of learner
Certified by,
Prof. Virendra Singh
Project Guide
Acknowledgement
This project has been a great learning experience. However, it would not have been
possible without the kind support and help of many individuals and organizations. I
would like to extend my sincere thanks to all of them.
I would like to thank the University of Mumbai for giving me the opportunity to work on this
project.
I would also like to thank my Principal, Dr. Sridhara Shetty and Vice Principal Dr. Liji
Santosh for his valuable guidance and suggestions.
I am also grateful to our Coordinator Prof. Virendra Singh, for his continued support and
inspiration.
I am highly indebted to my Project Guide, Prof. Virendra Singh for guidance and constant
supervision as well as extending necessary support & information in completion of this project.
My sincere thanks to everyone
\
Plagiarism Certificate
TABLE OF CONTENT
SR NO. TOPIC PAGE

NO.
1. CHAPTER 1: INTRODUCTION 1-39
2. CHAPTER 2: RESEARCH METHODOLOGY 40-43
3. CHAPTER 3: REVIEW OF LITERATURE 44-47
4. CHAPTER 4: DATA ANALYSIS, INTERPRETATION AND 48-70

PRESENTATION
5. CHAPTER 5 : CONCLUSION & SUGGESTIONS 71
6.
BIBLIOGRAPHY 72
7. ANNEXURE
73-75
CHAPTER- 1
INTRODUCTION
BANKING SYSTEM IS A BACKBONE OF INDIA
What is a bank?
Definition:
The word bank comes from French word „Banque‟ which means bench or money
exchange table.
A bank is also known as financial institution that accepts money from public or investors and lends
money to fund seeker or the person who are in need.
The lending activities can be done directly or indirectly through securities market. Banks are highly
regulated in most of the countries because banks play an important role in building the financial
stability and the economy of a country.
Under the banking regulation Act, 1949 is legislation in India that regulates all banking firms in India;
it came into force from 16th March 1949.
In 2020, Finance Minister Nirmala Sitaraman introduced a bill to amend the Act. The bill sought to
bring all cooperative banks under the Reserve Bank of India, It brought 1,482 urban banks and 58
multi-state co-operative banks under the supervision of Reserve Bank of India. The bill granted the
RBI ability.
Under this project we are going to analyze the financial statement and customer satisfaction of Kotak
Mahindra Bank.
Financial analysis is the process of analyzing a company‘s financial statement for decision making
purposes. It refers to an assessment of the viability, stability and profitability of a business or a firm.
The importance of financial analysis is to analyze entity data, whether it is stable, solvent, liquid or
profitable enough to warrant a monetary investment. Under Financial analysis, we need Financial
statements or financial reports of a business, person, or other entity
Customer satisfaction is a measure of how products and services provide by any organization meet
the expectations of a customer. It varies from person to person and service to service. A customer can
be defined as a user or potential user of banking services.
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THE EVOLUTION OF BANKING IN INDIA
Banking in India forms the base for the economic development of the country. Major changes in the
banking system and management have been seen over the years with the advancement in technology,
considering the needs of people. The Indian banking system consists of commercial banks, which
may be public scheduled or non-scheduled, private, regional, rural and cooperative banks. The
banking system in India defines banking through the Banking Companies Act of 1949.
Without an effective Banking System, India cannot have a healthy economy. The banking system should
be trouble free & it should be able to accept new technology & other factors. India‘s Banking System has
many remarkable achievements. The banking system has also reached the rural areas of the country.
The banking sector development can be divided into three phases:
 THE PRE-INDEPENDENCE PHASE
 THE POST- INDEPENDENCE PHASE
 THE LPG ERA( present day )
Pre Independence Period (1786-1947)
The first bank of India was the ―Bank of Hindustan‖, established in 1770 and located in the then
Indian capital, Calcutta. However, this bank failed to work and ceased operations in 1832.
During the Pre Independence period over 600 banks had been present and registered in the country,
but only a few managed to survive. Following the path of Bank of Hindustan, various other banks
were established in India. They were:
 The General Bank of India (1786-1791)
 Oudh Commercial Bank (1881-1958)
 Bank of Bengal (1809)
 Bank of Bombay (1840)
 Bank of Madras (1843)
During the British rule in India, The East India Company had established three banks: Bank of
Bengal, Bank of Bombay and Bank of Madras and called them the Presidential Banks. These three
banks were later merged into one single bank in 1921, which was called the ―Imperial Bank of India.‖
The Imperial Bank of India was later nationalized in 1955 and was named The State Bank of India,
which is currently the largest Public sector Bank.
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PRE-INDEPENCE BANKS IN INDIA
Bank Name Year of Establishment
Allahabad Bank 1865
Punjab National Bank 1894
Bank of India 1906
Central Bank of India 1911
Canara Bank 1906
Bank of Baroda 1908
Post Independence Period (1947-1991)
At the time when India got independence, all the major banks of the country were led privately which
was a cause of concern as the people belonging to rural areas were still dependent on money lenders
for financial assistance.
In 1975, the government of India recognized that several groups were financially excluded. Between
1982 and 1990, it created banking institutions with specialized fuctions in line with the evolution of
financial services in India
 NABARD(1982) – to support agricultural activities
 EXIM(1982) – to promote export and import
 NHB (1987) – to finance housing projects
 SIDBI(1982 – to fund small scale industries
With an aim to solve this problem, the then Government decided to nationalize the Banks. These
banks were nationalized under the Banking Regulation Act, 1949. Whereas, the Reserve Bank of
India was nationalized in 1949.
Candidates can check the list of Banking sector reforms and Acts at the linked article.
Following it was the formation of State Bank of India in 1955 and the other 14 banks were
nationalized between the time duration of 1969 to 1991. These were the banks whose national
deposits were more than 50 crores.
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Given below is the list of these 14 Banks nationalized in 1969:
Allahabad Bank Indian Overseas Bank

Bank of India Indian Bank
Bank of Baroda Punjab National Bank
Bank of Maharashtra Syndicate Bank
Central Bank of India Union Bank of India
Canara Bank United Bank
Dena Bank UCO Bank
In the year 1980, another 6 banks were nationalized, taking the number to 20 banks. These banks
included:
Andhra Bank Oriental Bank of Commerce
Corporation Bank Punjab & Sind Bank
New Bank of India Vijaya Bank
Apart from the above mentioned 20 banks, there were seven subsidiaries of SBI which were
nationalised in 1959:
State Bank of Patiala State Bank of Travancore

State Bank of Hyderabad State Bank of Saurashtra
State Bank of Bikaner & Jaipur State Bank of Indore
State Bank of Mysore
All these banks were later merged with the State Bank of India in 2017, except for the State Bank of
Saurashtra, which merged in 2008 and State Bank of Indore, which merged in 2010.
Liberalisation Period (1991-Till Date)
Once the banks were established in the country, regular monitoring and regulations need to be
followed to continue the profits provided by the banking sector. The last phase or the ongoing phase
of the banking sector development plays a hugely significant role.
To provide stability and profitability to the Nationalised Public sector Banks, the Government decided
to set up a committee under the leadership of Shri. M Narasimham to manage the various reforms in
the Indian banking industry.
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The biggest development was the introduction of Private sector banks in India. RBI gave license to 10
Private sector banks to establish themselves in the country. These banks included:
Global Trust Bank IndusInd Bank

ICICI Bank Centurion Bank
HDFC Bank IDBI Bank
Axis Bank Times Bank
Bank of Punjab Development Credit Bank
The other measures taken include:

 Setting up of branches of the various Foreign Banks in India
 No more nationalization of Banks could be done
 The committee announced that RBI and Government would treat both public and private
sector banks equally
 Any Foreign Bank could start joint ventures with Indian Banks
 Payments banks were introduced with the development in the field of banking and technology
 Small Finance Banks were allowed to set their branches across India
 A major part of Indian banking moved online with internet banking and apps available for
fund transfer
TYPES OF BANKS.
1. Central Bank:
Central bank is known as the apex bank in the banking structure of a country. The central bank plays a
very important role in a country‘s banking as well as monetary system. It is the most important bank of a
country. The main function of central bank is to maintain economic stability of the country. The main
function of this bank in reference to underdeveloped countries is to bring economic development. This is
the bank which issues currency, controls & guides other banks.
 A chief bank that keeps a check on and synchronizes with all the other banks in a particular
country is known as the Central Bank of the country.
 In India, the post of the Central Bank is that of the ‗Reserve Bank of India‘ (RBI).
 The RBI is also known as the ‗government‘s bank‘ or the ‗banker‘s bank‘.
 The RBI is responsible for regulating and guiding other banks in the country.
 It emanates the currency of the country i.e the Indian Rupee.
 It executes and carries out financial and monetary strategies, approaches, and determining policies.
 The RBI overlooks the pecuniary system of the country by handling the finances.
 It is also responsible for foreign exchange.
 All of these functions always take place under the supervision of the government of the country.
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2. Development Banks:
For expansion and modernization of business it requires medium as well as long term capital for purchase
of various equipment and machinery. Such kind of financial assistance is provided by the development
banks. They also offer various different measures like subscribing to debentures & shares issued by the
company.
3. Co-operative Banks:
These banks are financial institutions which are registered under co-operative societies Act. The main
objective of these banks is to help the economically backward people by giving them credit. The main
source of rural credit in India is co-operative banks. These banks are the banks which encourage the habit
of saving among the villagers & they provide loans to them at a low rate of interest.
4. Specialized Banks:
In India, there are some specialized banks, which cater to the requirements and provide overall support for
setting up business in specific areas of activity. They engage themselves in some specific area or activity
and thus, are called specialized banks.
There are three important types of specialized banks with different functions:
Export Import Bank of India (EXIM Bank)
Small Industries Development Bank of India
National Bank for Agricultural and Rural Development
For setting up business in specific areas banks like EXIM Bank, SIDBI, NABARD etc. provide overall
support.
5. Commercial Banks:
Commercial banks are those banks that offer various services to general public as well as to the
companies. Commercial banks are those type of banks which provides various services like accepting
deposits, offering basic investment products for business, providing loans etc. commercial banks can be
referred to a bank which deals with corporations or large or middle sized business. Nowadays commercial
banks also provide housing loans to individuals on long term basis.
The institutions that accept deposits from the general public and advance loans with the purpose of
earning profits are known as Commercial Banks.
Commercial banks can be broadly divided into public sector, private sector, foreign banks and RRBs.
In Public Sector Banks the majority stake is held by the government. After the recent amalgamation of
smaller banks with larger banks, there are 12 public sector banks in India as of now. An example of Public
Sector Bank is State Bank of India.
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Private Sector Banks are banks where the major stakes in the equity are owned by private stakeholders or
business houses. A few major private sector banks in India are HDFC Bank, Kotak Mahindra Bank, ICICI
Bank etc.
A Foreign Bank is a bank that has its headquarters outside the country but runs its offices as a private
entity at any other location outside the country. Such banks are under an obligation to operate under the
regulations provided by the central bank of the country as well as the rule prescribed by the parent
organization located outside India. An example of Foreign Bank in India is Citi Bank.
Regional Rural Banks were established under the Regional Rural Banks Ordinance, 1975 with the aim
of ensuring sufficient institutional credit for agriculture and other rural sectors. The area of operation of
RRBs is limited to the area notified by the Government. RRBs are owned jointly by the Government of
India, the State Government and Sponsor Banks. An example of RRB in India is Arunachal Pradesh Rural
Bank.
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INDUSTRY PROFILE
According to section 5(b) Banking regulation Act 1949 Banking means ―Accepting deposits for the
purpose of lending or investment of deposits of money from the public, repayable on demand or
otherwise and withdraw by cheque, draft or otherwise‖.
The banking sector is nothing less than the backbone of Indian economy. Reserve Bank of India is the
Central Bank of our country. It was established on 1st April 1935 accordance with the provisions of
the Reserve Bank of India Act, 1934. It holds the apex position in the banking structure. No company
shall carry on banking business in India unless it holds a license issued in that behalf by the Reserve
Bank and any such license may be issued subject of such conditions as the Reserve Bank of India
under section 22.
The Indian Banking system consist of 12 public sector banks, 21 private sector banks, 49 foreign
banks, 56 regional rural banks, 1562 urban cooperative banks and 94,384 rural cooperative banks.
COMPANY PROFILE
“Think Investment Think Kotak”
ABOUT THE COMPANY
Kotak Mahindra Bank Limited is an Indian private sector bank, an Indian banking and financial
services company headquartered in the city of Mumbai, India. It offers various banking products and
financial services for corporate and retail customers in the areas of personal finance, investment
banking, life insurance, and wealth management.
Kotak is one of India‘s leading diversified and integrated financial services conglomerates, providing
a wide span of solutions across banking (consumer, commercial, corporate), credit and financing,
asset management, life and general insurance, stock broking, investment banking, wealth
management, microfinance and asset reconstruction, encompassing all customer and geographic
Segments within Indi
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VISION STATEMENT
The Global Indian Financial Services Brand
Our customers will enjoy the benefits of dealing with a global Indian brand that best understands their
needs and delivers customized pragmatic solutions across multiple platforms.
We are a world class Indian financial services group. Our technology and best practices are bench-
marked along international lines while our understanding of customers will be uniquely Indian.
We are more than a repository of our customers' savings. We, the group, are a single window to every
financial service in a customer's universe.
The Most Preferred Employer in Financial Services
A culture of empowerment and a spirit of enterprise attract bright minds with an entrepreneurial
streak to join us and build long-term careers with us.
Working with a home grown professionally managed company, which has benefited from
partnerships with international leaders, gives our people a perspective that is universal as well as
unique.
The Most Trusted Financial Services Company
We have created an ethos of trust across all our constituents. Adhering to high standards of
compliance and corporate governance is an integral part of building trust.
Value Creation
Value creation rather than size alone will be our business driver
PROMISES
 To deliver the highest standard of service quality.
 To advise you of our targeted turnaround time and adhere to the same.
 To have transparency in all our transactions or dealings.
 To have solution oriented mindset where customers are placed first.
 To act courteously fairly and reasonably in all our dealing with you.
 To accept and act upon customers feedback/complaint.
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AWARDS AND CERTIFICATES
2019-20
 Uday Kotak: Lifetime Achievement Award at Magna Awards 2019 by Business world
 Uday Kotak named the ‗Best CEO in Banking Sector‘ at the Business Today Best CEO Awards
2019
 The Asset Country Awards 2019 Best Bank – Domestic award
 Kotak Mahindra Bank has been ranked 4th in the Best Managed Company.
2018-19
 Uday Kotak: ―CEO of the Year Award‖ at CNBC-Awaaz CEO Awards 2018
 Uday Kotak: USIBC Global Leadership Award
 Euromoney Awards for Excellence 2018: India‘s best bank
 Euromoney Awards for Excellence 2018: Best Bank in the Emerging Markets in the Euromoney
Regional Awards
 AsiaMoney Best Bank Awards 2019, India: Best Domestic Bank
2017-18
 Uday Kotak recognised with 'Lifetime Achievement Award' at Financial Express' Best Banks'
Awards 2015-16
 Uday Kotak recognised as Business Leader at the Lakshmipat Singhania IIM Lucknow National
Leadership Awards 2017
 Uday Kotak recognized as 'Banker of the Year' by Business world Magna Awards 2018
 Shanti Ekambaram recognized as one of the most powerful women (presented by Fortune India)
for the second time in a row from Aveek Sarkar, Vice Chairman and Editor Emeritus, ABP Group
 Shanti Ekambaram recognized as one of the most powerful women in Business by Business
Today
2016-17
 Uday Kotak recognised as Banker of the Year 2013-14 at FE Best Bank's Awards (awarded in
2017)
 Shanti Ekambaram recognised as one of the 50 Most Powerful Women in the country by Fortune
India
 Elizabeth Venkatraman recognised with a special mention in IMPACT's 50 Most Influential
Women List 2017
 Ashok Singh, Sr. VP, received VMWare IT Excellence Award 2016 in association with Economic
Times
 Ashok Singh, Sr. VP, received Dell EMC Transformation Award 2016
 Company with Great Managers at the Great Managers Award 2016 by People Business and The
Times of India
 Best Corporate & Investment Bank for India at Asiamoney Best Bank Awards 2017 – India
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2015-16
 Uday Kotak - the sole Indian Financier to feature in Money Masters: The Most Powerful People
in The Financial World, by Forbes magazine, USA (May 2016)
 Uday Kotak wins Entrepreneur of the Year award at Forbes India Leadership Awards 2015
 Uday Kotak received ET Business Leader of the Year award at ET awards 2015 for Corporate
Excellence from Hon'ble Finance Minister Shri Arun Jaitley
 Uday Kotak received the AIMA-JRD Tata Corporate Leadership Award 2015 at AIMA-s 2nd
National Leadership Conclave
 Uday Kotak recognised as Best Transformational Leader Award 2015 by Asian Centre for
Corporate Governance & Sustainability in 2016
 Jaimin Bhatt, President & Group CFO, recognised with ICAI Award 2015 under the CA CFO -
Banking sector category
 Shanti Ekambaram, President, Consumer Banking, recognised as one of the Most Powerful
Women 2015 by Business Today
 Karthi Marshan recognised as Marketer of the Year in the Banking category by the International
Advertising Association (IAA) Leadership Awards
 Karthi Marshan recognised as Digital Marketer of the Year in the Banking category at Digital
Marketers' Awards organized by Internet and Mobile Association of India's (IAMAI) Digital
Marketers' Awards 2016
2014-15
 Uday Kotak - Ernst & Young World Entrepreneur Of The Year Award 2014
 Uday Kotak - 'Transformational Business Leader Award' at the AIMA Managing India
Awards 2014
 Uday Kotak - 'Entrepreneur of the Decade' by Bombay Management Association (BMA)
 Uday Kotak - Banker of the year 2014 by Businessworld magazine
2013-14
 Uday Kotak - Ernst & Young Entrepreneur Of The Year India Award
 Best Medium Sized Bank of the Year Award by Businessworld
 Best Bank - Emerging Banks by Outlook Money
 Ranked among top 5 Best Ranked Companies for Corporate Governance Practices in IR
Global Ranking
2012-13
 Best Managed Board by Aon Hewitt-Mint Study 2012

 Best Bank Award in New Private Sector Bank category by Financial Express
 Uday Kotak, Executive Vice President and Managing Director received the Special Award for
his contribution in the growth of India's equity markets at India's Best Market Analyst Awards
2012 by Zee Business
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 New Indian Express Group conferred Uday Kotak with the Runner-up award for Best Banker
– Growth and Expansion at The Sunday Standard FINWIZ 2012 Best Bankers' Awards
 Among Forbes Asia's 'FAB 50' list in 2012 for the 3rd consecutive year
2011-12
 Uday Kotak, Executive Vice Chairman & Managing Director, Kotak Mahindra Bank was
presented with the Financial Leadership Award at NDTV Profit Biz Excellence Award 2011
 Jaimin Bhatt, President and Group CFO, Kotak Mahindra Bank - ICAI's silver award for
Excellence in Financial Reporting (under Category II – Private Banks for FY 2011)
 Among the top 5 in India by IR Global for having
 Best Ranked Corporate Governance Practices
 Best Ranked IR Website in India
2010-11
 Kotak Mahindra Bank and Cisco won the Asian Banker Award for the Best Contact Center
Deployment
 Among the Top 25 Best Employers in India by Aon Hewitt
 Mr. KVS Manian included in the List of Leading Practitioners by Asian Banker, for his
contribution 'to the shape and future of the financial services industry'
 Most Active Corporate award by United Way of Mumbai for the Standard Chartered Mumbai
Marathon
2009-10
 Forbes' Asia's Fab 50 list in the 6th annual ranking of the Best of Asia-Pacific's biggest listed
companies
 Ranked 44 by the survey of India's Most Valuable Brands
 Mr. Uday Kotak, Executive Vice Chairman & Managing Director of Kotak Mahindra Bank
has been ranked No. 1 as India's Most Valuable CEO (Mid-size Company : 3 year & 1-year
performance) by BusinessWorld.
 Mr. Jaimin Bhatt, Group CFO, Kotak Mahindra Bank was adjudged the Best Performing CFO
in the Banking/Financial Services sector by CNBC TV18 CFO Awards
 Adjudged amongst Top 25 in India's 'Best Companies to Work For' study by The Great Places
to Work Institute, India
 Adjudged amongst the Top 25 'Best Employers in India 2009' by Hewitt Associates
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HISTORY --Kotak Mahindra Bank
Established in 1985, Kotak Mahindra Finance Capital Management Limited, the flagship
company of the Kotak Group, started off as a non-banking financial services company, initially
providing financing for the purchase of automobiles. In 2003 it became the first ever NBFC to be
converted into a bank. Despite its humble beginnings, Kotak today is one of India‘s fastest
growing banks, which caters to wide variety of banking needs of both individuals and corporates.
It provides consumer banking services, commercial banking services, investment banking 15
subsidiaries across India and the world and a few joint ventures, Kotak has spread its businesses
wide across the market and country with over 1600 operating branches as of 31st December, 2020.
Currently, Kotak is primarily promoted by Mr. Uday Kotak and also listed on the NSE, BSE and
LSE.
The Kotak Mahindra Group was born in 1985 as Kotak Capital Management Finance Limited. This
company was promoted by Uday Kotak, Sidney A. Pinto and Kotak & Company. Industrialists
Harish Mahindra and Anand Mahindra took a stake in 1986, and that's when the company changed its
name to Kotak Mahindra
In 2015, Kotak Bank acquired ING Vysya Bank in a deal valued at ₹150 billion (US$2.0 billion).
With the merger completed, Kotak Mahindra Bank had almost 40,000 employees, and the number of
branches reached 1,261. After the merger, ING Group, which controlled ING Vysya Bank, owned a
7% share in Kotak Mahindra Bank. The journey of bank are as follows:
 1986 : Kotak Mahindra Finance Limited starts the activity of Bill Discounting
 1987 : Kotak Mahindra Finance Limited enters the Lease and Hire Purchase market
 1990 : The Auto Finance division is started
 1991 : The Investment Banking Division is started. Takes over FICOM, one of India‘s
largest financial retail marketing networks
 1992 : Enters the Funds Syndication sector
 1995 : Brokerage and Distribution businesses incorporated into a separate company -
Kotak Securities. Investment Banking division incorporated into a separate company - Kotak
Mahindra Capital Company
 1996 : The Auto Finance Business is hived off into a separate company - Kotak Mahindra
Primus Limited. Kotak Mahindra takes a significant stake in Ford Credit Kotak Mahindra
Limited, for financing Ford vehicles. The launch of Matrix Information Services Limited
marks the Group‘s entry into information distribution.
 1998 : Enters the mutual fund market with the launch of Kotak Mahindra Asset
Management Company.
 2000 : Kotak Mahindra ties up with Old Mutual plc. for the Life Insurance business. Kotak
Securities launches kotakstreet.com - its on-line broking site. Formal commencement of
private equity activity through setting up of Kotak Mahindra Venture Capital Fund.
 2001: Matrix sold to Friday Corporation Launches Insurance Services
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 2003 : Kotak Kotak Mahindra Finance Ltd. converts to a commercial bank – the first
Indian company to do so.
KEY GROUP COMPANIES AND THEIR BUSINESSES
OUR BUSINESSES OR WE CAN SAY ―MULTIPLE BUSINESSES ONE BRAND‖.KOTAK

MAHINDRA BANK LTD IS A ONE STOP SHOP FOR ALL BANKING NEEDS.
KOTAK SECURITIES LTD:
Kotak Securities is one of the largest broking houses in India with a wide geographical reach. Kotak
Securities operations include stock broking and distribution of various financial products including
private and secondary placement of debt, equity and mutual funds.
Kotak Securities operate in five main areas of business:
 Stock Broking (retail and institutional)

 Depository Services
 Portfolio Management Services
 Distribution of Mutual Funds
 Distribution of Kotak Mahindra Old Mutual Life Insurance Ltd products
Kotak Securities Limited (KSL), a subsidiary of Kotak Mahindra Bank, is one of India‘s largest full-
service stock broking firms catering to retail and institutional investors across all segments of the
capital market.
Through a tie-up with partner brokers, the company also provides direct access to the US markets.
Supported by a strong research team, robust digital trading platform, large branch network &
franchisee base, and referral coordinators spread across Kona Kona of India, KSL processes lakhs of
secondary market trades every day.
KSL provides a wide array of services including investment options in equities, derivatives (equities,
commodities, currency) and mutual funds. It also offers margin trade funding, depository services and
third-party products like insurance.
KSL are corporate members with the Bombay Stock Exchange (BSE) and the National Stock
Exchange (NSE). We are also a depository participant with National Securities Depository Limited
(NSDL) and Central Depository Services Limited (CDSL).
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Services offered by Kotak Securities Ltd
Stock Broking services
Trade in the Stock Market, invest in IPOs, Mutual Funds or Currency Derivatives using whichever
mode that suits customers. Online, offline or even on our stock trading app, offer stock trading at your
fingertips.
Portfolio Management services
If you were not sure of what stocks to buy or sell? Unable to keep all your investments in one place?
Don‘t know how to make your money work for you? Portfolio Management Service with expert
advice is just the answer for your woes.
Dual benefit: Stock Brokers + Depository Participants
Kotak Securities is not just a stock broking firm.also participants with depositories like the NSDL and
the CSDL. That means you can now execute transactions using our stock broking services and settle
your trades using our depository services!
Research Expertise
Benefit from in-depth stock market analysis thanks to our dedicated research division. We publish
various sector-specific research, company-specific research, macroeconomic studies, fundamental and
technical analysis of stocks that you can avail before investing your hard-earned money.
Updated Market Data
Apart from research that we offer, you benefit from the street smart tips, up-to-the-minute market
information and inside news that our extensive sales teams deliver on a daily basis.
International Reach
Your financial interests go beyond India? Don‘t worry, so do ours! Kotak Securities has a well-
entrenched presence in the Asia Pacific, European, Middle Eastern and American markets. You can
trust us with your money in any part of the globe.
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Awards and Recognition
 CFONext100 2020 by CFO India

 Hiren Vora honoured under the category ‗Excellence in Capital Management‘, 2020-21
 Mukul Rathi honoured under the category ‗Excellence in Capital Management‘, 2020-21
 Best Brokerage India 2018 – by Triple A Asset Country Awards in the Best Advisors South
Asia Category
 Best Retail IPO Bidding Member, 2018 by NSE
 NSDL Star Performer Award in category ―Top Performer in New Accounts Opened – (Non-
Bank) – 1st Position 2015, 2016, 2017 and 2018
 Best Local Brokerage and Best Overall Country Research, 2016 by Asia Money Brokers Poll
 Smart Order Routing has been awarded with Finnoviti 2015 by Banking Frontiers
 Best Brokerage – India by Triple A Asset Asian Country Awards 2018
 Broker of the Year (India) - The Asian Banker's Financial Markets Business Achievement
Awards 2014
 Overall best Equity Broking House by BSE IPF - D&B Equity Broking Awards for the year
2013
 Depository Participant of the year by BSE IPF - D&B Equity Broking Awards for the year
2013
 Top Performer in New Accounts Opened (Non-Bank Category) - NSDL Star Performers
Award 2013
 Fastest growing Equity Broking House by BSE IPF - D&B Equity Broking Awards for the
year 2012
 The Best Equity House in India by Finance Asia for the year 2012
 *Best Broker in India by Finance Asia for 2012, 2010 & 2009
 UTI MF - CNBC TV18 Financial Advisor Awards - Best Performing Equity Broker
(National) for the year 2009
 Best Brokerage Firm in India by Asia money in 2009, 2008, 2007 & 2006
 Best Performing Equity Broker in India by CNBC Financial Advisor Awards for 2008
 Avaya Customer Responsiveness Awards for 2007 & 2006 in the Financial Services Sector
 The Leading Equity House in India in Thomson Extel Surveys Awards for the year 2007
 Best Provider of Portfolio Management: Equities by Euromoney for 2007 & 2006
 Best Equities House In India by Euromoney Award for the year 2005
 Best Broker in India by FinanceAsia for the year 2005
 Best Equity House in India by Finance Asia for the year 2004
KOTAK MAHINDRA GENERAL INSURANCE COMPANY LTD:
Kotak Mahindra General Insurance Company Ltd (Kotak General Insurance) is a 100% subsidiary of
Kotak Mahindra Bank Ltd. Kotak General Insurance provides service in the growing non-life
insurance segment in India. Kotak General Insurance caters to a wide range of customer segments &
geographies, offering an array of non-life insurance products like Motor, Health, Fire, etc.
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As one of the fastest growing insurance companies in India, Kotak General Insurance provides a
differentiated value proposition through customized products & services leveraging state of the art
technology & digital infrastructure.
Kotak Mahindra General Insurance Company Ltd has its presence with 13 branches spreading all over
India, with a work force of 354 professionals, as of 2017. The company aims to cater to a wide range
of customer segment & geographies offering an array of non-life insurance products like Motor,
Health, Home and others. Suresh Agarwal- Managing Director and Chief Executive Officer (MD &
CEO) of Kotak Mahindra General Insurance Company Ltd.
Kotak General Insurance provides various general insurance policies in India which are listed below-
 Kotak Car Insurance
 Kotak Two-Wheeler Insurance
 Kotak Health Insurance
 Kotak Home Insurance
 Kotak Fire Insurance
 Kotak Marine Insurance
 Kotak Liability Insurance
 Kotak Miscellaneous Insurance
Awards and Recognition
 Marketer company of the year – India Insurance Summit & Awards 2020
 ANA ECHO International Awards 2020, USA – Bronze, Consumer Services
 Brand Equity Shark Awards 2019 – Silver, best consumer insights campaign
 India Digital Media Awards 2019 – Silver, Special award for gender parit
DMAi ASIA ECHO AWARDS 2019

 2 Silvers – Best consumer engagement & Best in financial service
 3 Bronze – Best use of social media, innovative use of technology & best in consumer
services.
KOTAK MAHINDRA CAPITAL COMPANY (KMCC):
Kotak Investment Banking (KMCC) is a full-service investment bank in India offering a wide suite of
capital market and advisory solutions to leading domestic and multinational corporations, banks,
financial institutions and government companies.
Our services encompass Equity & Debt Capital Markets, M&A Advisory, Private Equity Advisory,
Restructuring and Recapitalization services, Structured Finance services and Infrastructure Advisory
& Fund Mobilization.
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Kotak Investment Banking is a subsidiary of Kotak Mahindra Bank Limited, one of India‘s leading
banking and financial services of organization.
Kotak Investment Banking is a leading full-service investment bank in India, offering integrated
solutions encompassing high-quality financial advisory services and financing solutions. Our services
include Equity and Debt Capital Market issuances, M&A Advisory, Private Equity Advisory and
Infrastructure Advisory & Fund Mobilization. As a specialist Indian investment bank, our aim is to
offer our expertise and strategic advice on all India-related transactions by India (assisting Indian
companies on their growth, investment and strategic plans) and of India (advising international
companies seeking to enter or diversify in the Indian market)
KOTAK INVESTMENT ADVISORS LIMITED:
Kotak Investment Advisors Limited (KIAL), focuses on the Alternate Assets business of the Kotak
Group. While the Kotak Mahindra Group had been associated with private equity investments since
1997, the Alternate Assets group was set up in early 2005 with its first structured third party private
equity and real estate funds to bring a sharper focus to this business. Since then, KIAL has raised
multiple funds across different asset classes and strategies including Private Equity Funds, Real Estate
Funds, Infrastructure Funds, Special Situations Fund and Listed Strategies, all led by independent
investment teams.
KOTAK MAHINDRA LIFE INSURANCE COMPANY LTD:
Kotak Mahindra Life Insurance Company Limited (Kotak Life) is a 100% owned subsidiary of Kotak
Mahindra Bank Limited (Kotak). Kotak Life provides world-class insurance products with high
customer empathy. Its product suite leverages the combined prowess of protection and long-term
savings. Kotak Life is one of the fastest growing insurance companies in India and has covered over
24 million lives as on 31st March, 2019.
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BOARD OF DIRECTORS
NAME DESIGNATION
UDAY KOTAK Managing Director & CEO
KVS MANIAN Whole-time Director
GAURANG SHAH Whole-time Director
ASHOK GULATI Independent Director
UDAY SHANKAR Independent Director
UDAY CHANDER KHANNA Independent Director
FARIDA KHAMBATA Independent Director
PRAKASH APTE Non-Executive Chairman

(Independent)
Source - Company annual report
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PRODUCTS OFFERED BY KOTAK MAHINDRA BANK
Kotak Mahindra Bank is one of the prominent subsidiaries of Kotak Mahindra group. The activities of
the company being parallel to its objective are very wide and cover all the components of a Bank.
The Basic area of Operations is the Banking business, other products are meant for the regular
revenue generation. Being a Banking house, the company is in regular touch with Banking Accounts,
Investment Services, Convenience Banking and Other Services.
They offer complete solutions that address all your financial requirements, whether you're an
individual or a firm. From everyday banking to long term investments — their offering covers it all.
This wide range of products is delivered to you with a genuine understanding of your specific need
and warm, personalized service.
Kotak Mahindra Bank, it's not about selling you many different products — it's about working out a
holistic, pragmatic solution that addresses your financial needs. Through their varied products, they
commit themselves to becoming ―banker‖ to the customer rather than being ―asset financier‖ to our
customers.
BANKING ACCOUNTS
There are four types of banking account:
 Savings Account
 Current Account
 Term Deposit Account
 Loan Account
SAVINGS ACCOUNT
A savings bank account is a basic type of bank account that allows you to deposit money, keep it safe,
and withdraw your funds according to our necessity , all while earning interest. Savings accounts
offered by most banks, credit unions, and other financial institutions are FDIC insured and typically
pay interest on your deposits.
A savings account is an interest-bearing deposit account held at a bank or other financial institution.
Though these accounts typically pay a modest interest rate, their safety and reliability make them a
great option for parking cash you want available for short-term needs.
Kotak Mahindra Bank offers a wide variety of savings account options to its customers to suit their
individual needs. From premium saving account to basic or regular accounts, from online savings
accounts to offline accounts, from accounts for children to accounts for senior citizens, the options are
endless.
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Moreover, the rate of interest offered on Kotak Mahindra Bank savings account is also higher (up to
4%, currently) than those offered by most of its contemporaries. Let us have a look at the various
types of accounts they offer and what they promise. Eligibility for most of the Kotak Mahindra Bank
savings accounts is similar and is provided with the account details below.
Kotak Mahindra Bank Savings Account Interest Rate, 2021
SAVINGS BANK A/C
Nature Rate of Interest

Normal Senior Citizen
A. Domestic (W.e.f. Sep 20, 2021) 3.50% p.a. 3.50% p.a.
B. Basic Savings Bank Deposit Account/Small 3.50% p.a. 3.50% p.a.

Account (W.e.f. Sep 20, 2021)
C. Non Resident (NRE/NRO) 3.50% p.a. 3.50% p.a.
Types of Saving account offered by Kotak Mahindra Bank
Kotak Mahindra Bank enables its customers to open a savings bank account through two channels –
online and offline. We have classified the savings account offered by Kotak Mahindra Bank into
online and offline channels.
I. KOTAK MAHINDRA BANK ONLINE SAVINGS ACCOUNT
Kotak Mahindra Bank also offers 811 variants such as 811 Edge Savings Account to fulfil diverse
needs of its customers. Those without a PAN or Aadhaar number can apply for Kotak 811 Edge
account.
Kotak brings a complete digital experience to banking with 811 Edge Savings Account. It comes with
a paperless account opening experience and the minimum balance requirement (AMB) for the account
is Rs. 1000
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1. Kotak 811 Digital Bank Account
Kotak 811 Digital Savings Account is a one-stop banking solution for hassle-free online transactions.
Kotak 811 Savings Account Features
Minimum Balance Requirement Zero Balance Savings Account

Debit Card Virtual Debit Card
Interest Rate 3.50% p.a.
Auto Sweep Facility Yes
Eligibility Criteria Resident Indian above 18 years of age
2. Kotak 811 Edge Digital Bank Account
Kotak 811 Edge Digital Savings Account Features

Average Monthly Balance (AMB) Rs.10000
Debit Card Platinum Chip Debit Card

Net Banking & Mobile Banking Free
Kotak 811 Edge is a savings account which brings you the best of Kotak 811 and Kotak‘s regular
savings accounts. This account requires a minimum balance of Rs. 10,000.
II. KOTAK MAHINDRA BANK OFFLINE SAVINGS ACCOUNT
1. Edge Savings Account
Kotak Edge Savings Account Features

Average Monthly Balance
(AMB) Rs.10000
Debit Card Classic Debit Card

Withdrawal Limit / Purchase ATM Withdrawal Limit Rs. 50,000 / Daily Purchase Limit Rs.1.5
Limit lakh

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2. Junior Account
Kotak Junior Account Features

Average Monthly Balance (AMB) Zero Balance Savings Account
Debit Card Personalized Junior Debit Card
ATM Withdrawal Limit Rs. 5000
Eligibility Criteria Children below 18 years of age
Kotak Mahindra Junior savings account is a savings account specially crafted for children. It comes
with the following features and benefits:
3. Pro Savings Account
Kotak Pro Savings Account Features

(AMB) Rs. 20,000
Debit Card Platinum International Chip Card

Withdrawal Limit / Purchase ATM Withdrawal Limit Rs. 50,000 / Daily Purchase Limit Rs.2
Limit lakh
4. My Family Savings Account
Kotak My Family Savings Account covers the entire family‘s banking needs with the following
features and benefits:
Kotak My Family Savings Account Features

Net Banking & Mobile Banking Available
Debit Card Classic or Platinum Debit Card

ATM Transaction Charges Free ATM usage for Pro and Ace savings account holders
Resident Indian, Hindu Undivided Families (HUFs), Foreign
Eligibility Criteria Nationals Residing in India
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5. Classic Savings Account
With Classic Savings Account, you can enjoy a superior banking experience using all the features you
need, at a very comfortable balance requirement.
Kotak Classic Savings

Account Features
(AMB) Rs. 10,000
Debit Card Free Classic Debit Card

Limit lakh
6. Sanman Savings Account
Sanman Savings Account caters secure access to all your banking requirements with low maintenance
fees. Let‘s look at the features and benefits of Sanman Account below:
Kotak Sanman Savings

Account Features
Average Quarterly Balance
(AQB) Rs. 2,000
ATM Cash Withdrawal Charges Free (at Kotak Bank ATMs)

Limit lakh
Eligibility Criteria Resident Indian, Hindu Undivided Families (HUFs)
7. Ace Savings Account
Kotak Ace Savings Account Features

Average Monthly Balance (AMB) Rs. 50,000
Auto Sweep Facility Available

Debit Card Free Platinum International Debit Card
Resident Indian, Hindu Undivided Families (HUFs),
Eligibility Criteria Foreign Nationals Residing in India
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8. Grand Savings Account
A Grand Savings Programme by Kotak Mahindra Bank is for individuals aged 55 years or more with
privilege banking benefits. The features and benefits are as follows:
Grand is crafted with utmost care for the golden years of your life. Built with offerings such as
priority service at branches, home-banking facilities, cashback up to Rs. 4,500 p.a., discounts on
locker rentals, overdraft facilities, health care benefits and more, the Grand Account ensures to make
life comfortable as soon as you turn 55 years old.
Kotak Grand Savings Programme Features

Overdraft Facility Available
Interest Rate Up to 3%
Credit Card Kotak Aqua Credit Card
9. Nova Savings Account
The Nova Savings Account is a unique savings account that lets you manage all your financial needs
anytime
Kotak Nova Savings Account Features
Average Monthly Balance (AMB) Rs. 5,000

Resident Indian, Hindu Undivided Families (HUFs),
Eligibility Criteria Foreign Nationals Residing in India
10. Silk Women‟s Savings Account
Kotak Mahindra Silk Women‘s Savings Account is specially crafted savings account for women. It
comes with the following features and benefits:
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Kotak Silk Women‟s Savings Account Features
Silk ATM Withdrawal limit Rs. 40,000 Domestic
Rs. 50,000 International

Silk POS Limit Rs.2 lakh
Debit Card Kotak Silk Debit Card
Resident Indian Woman (Sole or Joint
Eligibility Criteria Account)
11. BSBDA/Small Account
Kotak BSBDA/Small Savings Account Features
Fund Transfer Up to 4 withdrawals in a month – Free

12. Jifi (Discontinued)
Jifi is a new-age digital account that offers unparalleled convenience, with bank account updates via
Twitter, reward points on online transactions, the ability to add friends to your Jifi network and much
more.
 No minimum balance, non-interest bearing current account

 Auto Term deposit creation once the average balance crosses Rs. 25,000/-
 Hashtag Banking - Prepaid mobile & DTH recharge, Account updates, cheque book request
and many more account activities just a tweet away
 Free Jifi Platinum Chip Debit Card for first year
Kotak Jifi Savings Account Features

Debit Card Free Jifi Platinum Chip Debit Card for first year
Resident Indian (Sole or Joint Account) above 18 years
Eligibility Criteria of age
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13. Platina Savings Account (Discontinued)
Platina Savings Account at its prime with this power packed savings account that provides premium
banking services and benefits for free. The Platina Savings Account is exclusively designed to enjoy
greater financial flexibility and get access to many premium services for free.
Kotak Platina Savings

Account Features
(AMB) Rs. 100,000

Free Platinum International Chip Debit Card (with Free Add on
Debit Card Card)
CURRENT ACCOUNT:
A current account, also known as financial account is a type of deposit account maintained by
individuals who carry out significantly higher number of transactions with banks on a regular basis. It
is created by the bank on request of the applicant and is made available for frequent or immediate
access. Current accounts relate to liquid deposits and it offers a broad range of customized options to
aid financial dealings.
There are 10 types of current account which Kotak Mahindra bank offers to their customers so that
they can serve the various needs of businesses.
1. Startup Premium Current Account
 Waiver of non-maintenance charges for the first 12 month from the account opening month
 24 free home-banking services per month - cash/cheque pickup and delivery, at your call
 Free NEFT and RTGS at branches and through net banking
2. Startup Regular Current Account
 Waiver of non-maintenance charges for the first 12 months from the month of account opening
 Eight free home banking service (per month) - cash/cheque pickup and delivery, at your call
 Free NEFT and RTGS at branches and through net banking
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3. Neo Current Account
 Multi-city at par cheque book (First cheque book is free)

 Balance Alerts / Transaction and Value added alerts through SMS at nominal charge (Alerts through
email are free)
 Kotak ActivMoney - Convert current account balance above certain amount into Term deposits so
you earn attractive returns on your idle balances
4. Pro Current Account
 Free Home Banking service - Cash/Cheque pickup and delivery, at your call
 Dedicated Relationship Manager who will be a single point of contact at the bank
 Better Forex rates and efficient Trade Services
5. Edge Current Account
 Free Demand Drafts payable at Kotak Bank Branches (up to 25 per month)
 Balance Alerts / Transaction and Value added alerts through SMS at nominal charge (Alerts through
email are free)
 Kotak ActivMoney - Converts current account balance above a certain amount into Term Deposits, so
you earn attractive returns on your idle balances
6. Elite Current Account
 Free Home Banking service - Cash/cheque pickup and delivery, at your call
 Free Beat service - Daily visits to home or office for cheque pick-up and deposit in your account
 Free outward cheque returns (up to 5 instruments per month)
7. Ace Current Account
 Free Unlimited Demand Drafts payable at Kotak Bank branch locations

 Free Beat service (Daily home/office visits) and Free Home Banking service (at your call) -
Cash/Cheque pickup and delivery
 Waiver of outward cheque return charges (up to 10 instruments per month)

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8. Astra 05 Current Account
 Free Home Banking service - Cash/Cheque pick-up and delivery, at your call
 Free beat service - Daily visits to home or office for cheque pickup and deposit in your account
9. Global Trade Current Account
 Transparent and Competitive service charges

 Dedicated Relationship Manager
 Complimentary Kotak Multi Currency World Travel Card (KWTC)
10. Astra 15 Current Account
 Free unlimited Demand Drafts payable at Kotak Bank branches

 Get unsecured overdraft facility of up to Rs. 15 Lakhs with Kotak Credit Access
LOAN ACCOUNT:
The loan account is an account which a customer is able to repay the loan, fiven by the bank
The loan account is used to track transactions related to the loan, which include interest, repayment,
and any applicable charges.
Types of loan given by Kotak Mahindra Bank are as follows:
HOME LOANS
 Kotak Home Loan
 Features: Loans a5ailable to Resident Indians (Salaried and Self-employed) for buying or constructing
a new house. The loan can also be used for upgrading or extending an existing residential property.
 Interest Rate: 6.55% onwards
 Loan Amount: Rs. 3 lakh – Rs. 5 crore
 Tenure: 20 years
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 Kotak Home Improvement Loan
 Features: Loans for Resident Indians for furnishing and renovating an existing residential property.
 Loan Amount: Up to 90% of home improvement cost
 NRI Home Loan
 Features: Loans for Non Resident Indians who want to buy a residential property in India.
 Loan Amount: Up to 80% of property value
 Tenure: Up to 15 years
 Kotak NRI Home Improvement Loan
 Features: Loans for NRIs for furnishing and renovating an existing residential property in India.
 Loan Amount: Up to 80% of home improvement cost
 Kotak Home Loan Balance Transfer
 Features: Reduce your EMIs and the total interest payout by transferring your outstanding Home
Loan balance from your existing bank to Kotak Mahindra Bank. The bank offers you housing loan at
interest rates lower than the original rate of interest, helping you save a big amount. Individuals can
also avail this loan to top up the existing loan.
 Loan Amount: Up to 90% of property value
 Tenure: Up to 20 years or outstanding tenure of the proposed loan to be transferred, whichever is
lower
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PERSONAL LOANS
Types of Kotak Mahindra Bank Personal Loans
The following are the key types of personal loans currently offered by Kotak Mahindra Bank:
 Personal Loan for Marriage

 Personal Loan for Travel
 Personal Loan for Medical Emergency
 Personal Loan for Home Renovation
 Personal Loan for Marriage
If you need money to fund a wedding, you can apply for Kotak Mahindra Bank personal loan for
marriage and can avail a loan amount of up to Rs. 20 lakh. This loan can cover expenses related to
venue, catering, decoration, photography, accommodation for guests, honeymoon, etc.
 Personal Loan for Travel
Are you planning to go to your dream destination but don‘t have enough money to fund your
vacation? With Kotak Mahindra Bank Personal Loan for Travel, you can borrow money starting from
Rs. 50,000 to Rs. 20 lakh and can easily pay for your flight tickets, accommodation, sightseeing,
shopping, etc.
 Personal Loan for Medical Emergency
With minimum paperwork and instant approval, you can avail funds immediately if you apply for
Kotak Mahindra Bank Personal Loan for Medical Emergency. Offered up to Rs. 20 lakh, this loan
ensures that you are easily able to pay the medical bills and then repay the loan in easy instalments.
 Personal Loan for Home Renovation
Whether you want to paint your home or fix that leaking ceiling or wish to buy a new sofa for your
drawing home or want a modular kitchen, Kotak Mahindra Bank Personal Loan for Home
Renovation offered up to Rs. 20 lakh is an ideal choice to give a new and modern look to your house
EDUCATION LOAN
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Kotak Mahindra Bank provides facility of education loan in one of the best leading institutions India.
Customers can avail a loan of up to Rs. 10 lakh in India and up to 20 lakh in abroad.
Education is a crucial tool which can empower the country‘s youth and help the nation rise and
flourish. And education loans are a key component in this rise. These loans are specifically designed
to help the students pursuing higher studies to opt for the career of their choice without having to
curtail their dreams due to lack of funds. Our country has realised the importance of education in
empowering the nation‘s future and therefore the government has mandated both public and private
sector banks to provide a scheme for education loans to needy and deserving students.
GOLD LOAN
Kotak Mahindra Bank offers the gold loan to its customers for easy financing at attractive interest
rates. Customers can pledge all types of gold ornaments/coins which are 18 carat and above.
Kotak Mahindra offers loan against gold ornaments and coins to meet cash requirements of
individuals. So, customers can avail the benefit of their gold assets which are lying idle to make it
earn money for their needs and requirements
OTHERS LOANS ARE AS FOLLOW BELOW:
BUSINESS LOAN
 Avail loan from Rs.3 lakh up to Rs.75 lakh

 Collateral free loan
 Quick approval and hassle-free processing
AGRI PROJECT
 Financing for Land-based projects such as Horticulture, floriculture, vermiculture, cultivation

of medicinal plants, mushroom cultivation, tissue culture, sericulture
 Funding for other land related activities like farm mechanization, minor irrigation, crop loans,
land development
LOAN AGAINST PROPERTY
 Flexible loan eligibility for businessmen

 Loans amount ranging from Rs.10 lakh to Rs. 3 crores
 Loans available against residential
CROP LOAN
 Simple documentations
 Quick & hassle-free process
 Loan tenure can be up to 5 years
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COMMERCIAL VEHICLE LOAN
 Reaches through more than 900 locations through direct sales force network
 Simple documentation
 Quicker turnaround time
HEALTHCARE FINANCE SOLUTIONS
 New Medical Equipment Loans

 Refurbished Medical Equipment Loans
 Insta Loans up to Rs.50 Lakh
CONSTRUCTION EQUIPMENT / INFRASTRUCTURE FINANCE
 Balance transfer facility

 Loan top-up facility
 Quick and hassle-free process
CREDIT GUARANTEE SCHEME FOR MFIS (CGSMFI)
 No Guarantee fee for Eligible NBFC-MFI /MFI.

 The scheme is valid till March 31,2022 or till guarantees for an amount of Rs.7,500 Crores are issued
by NCGTC, whichever is earlier.
 Competitive lending rate from Kotak Mahindra Bank; capped at 2% above 1Y MCLR.
TERM DEPOSIT ACCOUNT:
 Kotak Mahindra Bank, offer you attractive fixed deposit interest rates along with a range of terms to
choose from, for you to achieve your money saving goals faster with more flexibility and security.
Whether you want to save for a grand vacation or your child‘s education, investing in a Kotak
 Mahindra Bank Fixed Deposit is a secure and effective way to transform all your dreams into fruition.
Moreover, a comprehensive procedure leading to completion of your online application for opening a
Fixed Deposits account with us has become easier than ever before
 FIXED DEPOSIT
Offers fixed deposit schemes to its customers which is one of the best to options to invest the money
with interest rate as high as 7% and the deposit of amount as low as Rs.5,000 Fixed deposit having
tenure ranging from7 days to 10 years
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 RECURRING DEPOSIT
Kotak Mahindra Bank offers a recurring deposit with a minimum tenure of 6 months to a maximum
tenure of 10 years. Customers can invest as low as Rs. 25,000 and as high as Rs. 1, 00,000.
OTHER SERVICES:
DEMAT ACCOUNT
Demat Account is an account which hold the shares and securities in digital or electronic form in DP
and also the place where customers holdings are present. Other than shares, it also holds a variety of
products such as bonds, mutual fund, government securities or exchange-traded funds.
Trinity = Bank + DP + Trading A/c
The bank account is offered by Kotak Mahindra Bank Ltd, and the demat and trading account by
Kotak Securities Ltd
CREDIT CARDS
Offers 21 types of credit cards to its customers designed to provide various benefits in the form of
cashback and rewards. Customers can avail the benfits across all categories such as dining, travel,
lifestyle, etc
 Zen Signature Credit Card

 Biz Credit Card
 Mojo Platinum Credit Card
 White Credit Card
 Essentia Platinum Credit Card (Discontinued)
 811 #DreamDifferent Credit Card
 Delight Platinum Credit Card (Discontinued)
 Fortune Gold Credit Card (Discontinued)
 Feast Gold Credit Card (Discontinued)
 League Platinum Credit Card
 Best Price Credit Card
 Royale Signature Credit Card
 PVR Kotak Gold Credit Card
 PVR Kotak Platinum Credit Card
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 Wealth Management Infinite Credit Card
 NRI Royale Signature Credit Card
 Urbane Gold Credit Card
 Corporate Wealth Signature Credit Card
 Corporate Platinum Credit Card
 Corporate Gold Credit Card
 Privy League Signature Credit Card
DEBIT CARDS
 Kotak Mahindra Bank offers 17 types of debit cards to its customers which provides features (differs
from card to card) like unlimited withdrawals at ATMs, lost liability cover, personal or accident
insurance, and many more
 #PayShopMore Debit Card

 Kotak PVR Debit Card
 Platinum Debit Card
 Privy League Platinum Debit Card
 Privy League Signature Debit Card
 Infinite Wealth Management Debit Card
 Silk Platinum Debit Card
 Business Power Platinum Debit Card
 RuPay Debit Card
 RuPay India Debit Card
 Easy Pay Debit Card
 Jifi Platinum Debit Card
 Classic One Debit Card
 Gold Debit Card
 World Debit Card
 Access India Debit Card
 Business Class Gold Debit Card
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PHONE BANKING
Kotak Mahindra Bank customers can avail 24×7 available facility of phone banking which is quick
and easy to access anytime and anywhere.
NET BANKING
Kotak Mahindra Bank customers can avail the facility of Net Banking to view all the details relating
to the account, transfer funds, view and update profile details, etc
INSURANCE
Kotak Mahindra Group is reputed banking and financial services organization in India, offers various
financial products to meet both corporate as well as individual needs.
LIFE INSURANCE
 Protection Plan
Kotak Term Plan: This is a pure risk cover plan, which provides insurance coverage to the family of
the insured in case of any eventuality
Kotak e-Term insurance plan: Kotak Term plan is an online term insurance plan, which is specially
designed to provides financial security to the family of the insured against any emergency and also
offer finanacial protection in the form of the death or demise of the isured person
 Retirement Plan
Kotak Life Insurance Retirement Plan is specially designed to secure the financial future of the
individual after the retirement. The Retirement plan offered by Kotak Life Insurance are:
 Kotak Lifetime Income Plan

 Kotak Premier Pension Plan
 Investment Plan
Kotak MahindraLife insurance offers extensive ranfe of investment and savings plan, below are the
plans offered by Kotak Life Insurance
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 Kotak Invest Maxima
 Kotak Single Invest plus
 Kotak Platinum plan
 Kotak Ace Investment
 Kotak Premier Endowment Plan
MOTOR INSURANCE
Kotak provides customers with a comprehensive Private Car Insurance product to give you all round
protection for your prized asset.
PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA
Pradhan Mantri Jeevan Jyoti Bima Yojana is a government-backed Life insurance scheme in India. It
was originally mentioned in the year 2015 Budget speech given by Finance Minister Arun Jaitley in
February 2015. It was formally launched by Prime Minister Narendra Modi on 9 May in Kolkata.
 Eligibility: Savings bank account holders between 18 years (completed) and 50 years (age nearer
birthday) who have given the consent to join the scheme / enable auto-debit, as per the modality, will
be enrolled into the scheme.
 Policy period: Life insurance cover starts from date of premium payment to 31st of May and
renewable thereafter on a yearly basis (Jun to May).
 Premium: Rs. 330/- payable by auto-debit from customers account
 Risk Coverage: Sum Assured of Rs. 2,00,000/- on death of the Insured member for any reason is
payable to the nominee. No claim is admissible for deaths during the first 45 days from the entry date,
except for cases of death due to accident.
PRADHAN MANTRI SURAKSHA BIMA YOJANA
Pradhan Mantri Suraksha Bima Yojana is a government-backed accident insurance scheme in India. It
was originally mentioned in the year 2015 Budget speech given by Finance Minister Late Arun
Jaitley in February 2015. It was formally launched by Prime Minister Narendra Modi on 8 May in
Kolkata.which provides Accidental cover at nominal cost for an unforeseen accident.
 Eligibility: Savings bank account holders between 18 years (completed) and 70 years (age nearer
birthday) who give their consent to join / enable auto-debit will be enrolled into the scheme.
 Policy period: Policy cover shall commence from the first day of the month subsequent to the month
in which premium was paid. The policy expires on 31st of May each year and can be renewed
thereafter on a yearly basis (June to May).
 Premium: Rs. 12/- payable by auto debit from customers account.
ATAL PENSION YOJANA
Atal Pension Yojana (APY) was announced by Government of India during 2015-16 budget. Ever
since, the Atal Pension Yojana has enabled many Indians to secure their future post retirement. This
scheme is administered by the Pension Fund Regulatory and Development Authority (PFRDA)
through NPS (National Pension System) architecture. Kotak Mahindra Bank Ltd. is registered with
PFRDA to provide Atal Pension Yojana. Contributions made by an individual under this scheme are
eligible for the deductions under section 80CCD of the Income Tax Act, 1961, subject to the
conditions specified therein.
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 Fixed Pension by the Government which range between Rs. 1,000 to Rs.5,000 per month
 Spouse will continue to withdraw pension in the event of death of the subscriber
 Nominee to receive corpus up to Rs. 8,50,000 in case of death of both subscriber and spouse
 Contribution to be remitted monthly through auto-debit from linked saving bank account
 The Government will contribute 50% of subscriber contribution or Rs.1000 p.a whichever is lesser for
a period of 5 years.
BUSINESS OUT OF INDIA
Kotak Mahindra Bank Gets RBI Approval to Open its First Overseas Branch in Dubai
International Financial Centre
Mumbai, November 11, 2016: Kotak Mahindra Bank (Kotak), India‘s fourth largest private sector
bank, today announced that it has received Reserve Bank of India‘s approval to set up its branch in
Dubai International Financial Centre (DIFC), Dubai. This will be the first international branch of
Kotak. The approval from RBI is subject to the necessary approvals to be received from the host
regulator viz., Dubai Financial Services Authority (DFSA).
DIFC is one of the leading global financial centers with sizeable business opportunities. The strategy
behind launching a branch in DIFC is to access off-shore markets and improve capabilities in forex
operations.
In addition to the proposed branch of KMBL in DIFC, Kotak Mahindra Group has international
offices in London, New York, Texas, California, Dubai, Abu Dhabi, Mauritius and Singapore.
Kotak Mahindra Bank Ltd. Launches its First International Branch in Dubai, UAE
Dubai/Mumbai, 22nd October, 2019: To augment its footprint in the international arena, Kotak
Mahindra Bank (Kotak) has launched its very first overseas branch at the Dubai International
Financial Centre (DIFC), Dubai, UAE after receiving due regulatory approvals. The DIFC branch is
regulated by the Dubai Financial Services Authority (DFSA).
Opening a branch in DIFC is a strategic move by Kotak to contribute to the rapidly growing business
flows between India and the UAE. The branch is ideally positioned between the East and the West
time zones, giving Kotak ready access to international customers on both sides of the world.
Kotak can – in addition to its IFSC Banking Unit (IBU) at GIFT City in Gujarat, India, now offer a
range of banking services to corporate and professional individual clients in the international market.
With a Category 1 branch licence, Kotak can accept offshore deposits from professional clients based
outside the UAE; provide, arrange and advise on offshore credit; offer investment advisory services;
arrange deals in investments and custody; deal in investments as a Principal; act as an insurance
intermediary and offer other financial products.
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Shanti Ekambaram, President – Consumer Banking, Kotak Mahindra Bank said ―Kotak Mahindra
Group‘s association with the UAE dates back to the mid-1990s when it opened its first office in
Dubai. The Group expanded its footprint in the Gulf region with two more offices in Dubai and one in
Abu Dhabi. Now, the Bank is opening its first overseas branch in DIFC - a leading global financial
centre, which gives Kotak an opportunity to offer world-class financial services to the large Indian
global diaspora.‖
In addition to its first overseas branch in DIFC, Kotak Mahindra Bank through its Representative
Office in Dubai promotes a wide range of India-based products for Non-Resident Indians (NRI) such
as liabilities products like Non-Resident External (NRE) and Non-Resident Ordinary (NRO) savings
accounts & deposits and Asset products such as Home Loans and Auto Loans.
Kotak Mahindra Group also has international offices in London, New York, California, Dubai, Abu
Dhabi, Mauritius and Singapore.
Source: MediaRelease
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CHAPTER- 2
RESEARCH METHODOLOGY
The main aim of the study is to analyze business, financial statements and customer satisfaction of
kotak Mahindra Bank by using primary as well as secondary data.
.
AREA OF STUDY:
 Mumbai City is selected for conducting the survey as it is one among the four Metros in India,
where people from all walks of life are located.
 The research design is empirical in nature. The study was conducted using both analytical and
descriptive type of methodology.
 The study is conducted to check the reliability and feasibility of the questions as well as the
statements included in the questionnaire.
DATA COLLECTION
Data collection is the systematic approach to gathering and measuring information from a variety of
sources to get a complete and accurate picture of an area of interest. Data collection enables a person
or organization to answer relevant questions, evaluate outcomes and make predictions about future
probabilities and trends
Primary data:
Primary data is data originated for the first time by the researcher through direct efforts and
experience, specifically for the purpose of addressing his research problem. Also known as the first
hand or raw data.
 The primary data is done by circulating google forms.

 The primary data is collected by 60 respondents
Secondary data:
Secondary data implies second-hand information which is already collected and recorded by any
person and it is readily available form of data collected from various sources
 The secondary data is collected from the annual reports published in official websites of kotak
Mahindra bank or in the BSE website and also from reports, newspapers, press release and
websites.
 The secondary data of this research project is collected by browsing the internet.
 The secondary data is also collected through some textbooks.
 Due to limited amount of time and the researcher could only collect data from the surrounding
areas.
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OBJECTIVES OF THE STUDY
 To understand the present status of Kotak Mahindra Bank
 To find out the important factors which are influencing customers to approach Kotak
Mahindra Bank account
 To suggest remedial measures to overcome the problems of customers for further
improvement.
 Access the Market Potential of Kotak Mahindra Bank Saving Account with the help of a
survey conducted on a total of 60 Respondents .
 To compare and analyze the financial statements for past five financial years
 To find out whether the customers were aware of the online services provided by the bank.
 To evaluate whether the customers are satisfied by the services provided by their banks.
 To analyze whether the customers are using all the services provided by their bank.
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IMPORTANCE OF THE RESEARCH
The importance of doing research in this topic is as follows:
 By researching in this topic the researcher came to know about the financial statements of
Kotak Mahindra Bank
 By researching in this topic the researcher came to know about the preference of customers.
 The researcher came to know about the various types of services which are provided by banks.
 By researching about this topic it helped in knowing about the customers. It also helped in
knowing whether the customers are happy / satisfied by the services which their banks
provide.
 The study focuses on the customer perception relating to the areas of customer preference and
customer satisfaction.
 The study provides knowledge of various products& investment services of Kotak Mahindra
Bank
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LIMITATIONS OF THE STUDY
 The limitations of the study are discussed to clearly establish the boundaries and to identify
future avenues for research. The study suffers from certain limitations.
 The study could not be made that comprehensive due to time constraints. Some customers feel
uncomfortable to reveal some personal information.
 The study concentrates only on certain factors relating to customer perceptual behaviour.
There may be other influencing factors too, which have not been considered due to time and
data constraints.
 The study could not be made due to biases and non-cooperation of the respondents.
 Financial constraint.
 The data for the purpose of the study is collected from respondents in Mumbai only.
 People are not interested in giving personal opinion.
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CHAPTER-3
REVIEW OF LITERATURE.
This chapter deals with review of the literature on the role of overall business of banks, in general,
customer perception and satisfaction towards banking institutions.
A literature review is an overview of the previously published works on specific subjects. A literature
review is supposed to provide the researcher/author and the audiences with a general image of the
existing knowledge on the topic under question
Literature refers to a collection of published information/materials on a particular area of research or

topic, such as books and journal articles of academic value. However, your literature review does not
need to be inclusive of every article and book that has been written on your topic because that will be
too broad. Rather, it should include the key sources related to the main debates, trends and gaps in
your research area.
Literature reviews provide you with a handy guide to a particular topic. If you have limited time to
conduct research, literature reviews can give you an overview or act as a stepping stone. For
professionals, they are useful reports that keep them up to date with what is current in the field. For
scholars, the depth and breadth of the literature review emphasizes the credibility of the writer in his
or her field. Literature reviews also provide a solid background for a research paper‘s investigation.
Comprehensive knowledge of the literature of the field is essential to most research papers.
Literature reviews are secondary sources that do not report on fresh or experimental research. Such
reviews are most commonly connected with academic-oriented literature and can be found in
academic journals. They should not be confused with book reviews, which can also be found in the
same magazine. In practically every academic discipline, literature evaluations serve as a foundation
for study.
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A literature review is a search and evaluation of the available literature in your given subject or
chosen topic area. A literature review shows your readers that you have an in-depth grasp of your
subject; and that you understand where your own research fits into and adds to an existing body of
agreed knowledge.
Researcher Name: Rashmi Ranjan Panigrahi , Dr. S. K. Biswal & Dr. Ansuman Sahoo
Year: July, 2014
Topic: The Merger and Acquisition Deal Brings Leveraging Synergy – An Analysis of Kotak
Mahindra Bank & ING VYSYA Bank
Keywords: Keywords: Merger and Acquisition, leverage. Synergy
Objectives of the study
One of the main objectives of Merger &Acquisition in banking industry is to reap the advantages of
economies of scales. The process of acquisition of ING Vysya bank was started by kotak Mahindra
bank on November 2014. For analyzing qualitative content of this topic we have used Case study
approach, this case study reveal the strategic motives of kotak Mahindra bank.
Conclusion: Why are bank mergers in India so few and far between? "It is partly because of
restrictions imposed by the Reserve Bank of India (RBI), especially on foreign banks, on M&As and
also the public sector nature of the banking system," says the CEO of a private-sector bank who does
not wish to be named.
Today, state-run banks dominate the banking system with three-fourth market share in deposits and
loans. The number of commercial banks operating in the country has risen to 90 from 84 in 2005/06
thanks to the entry of some foreign lenders. In the past, foreign banks have shown interest in M&As
but the RBI is not comfortable as these banks operate as a branch of their parent companies. The RBI
has issued guidelines that allow foreign banks to operate or convert into wholly owned subsidiaries of
their parent companies in India, thereby opening the door for selective M&As. Proponents of
consolidation argue that there are too many banks in India.
The Kotak-ING Vysya deal has sparked speculation that some other old private-sector banks could be
the target of large lenders. Old private-sector lenders, including Dhanlaxmi Bank, Lakshmi Vilas
Bank, Karur Vysya Bank, and South India Bank have a share of around five per cent in deposits and
advances. So even if one large private bank acquires half a dozen such lenders, it won't create a
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meaningful size for the acquirer. C. Jayaram, Joint MD at Kotak Mahindra Bank, says consolidation
has been talked about for a long time. "Hopefully, this [Kotak-ING merger] will set off some thinking
both in the private as well as the public sector," he says In fact, for more than a decade, there has been
talk of encouraging consolidation to create a few banks of the size of SBI. But there has been little
action on the ground.
There are legacy issues; staff too old to adapt, overlapping of branches and products, and resistance
from employee unions, among others. There are some who question the merits of consolidation. The
size and scale shouldn't be the sole criterion for M&As, and customers should be the focus of banking
services. They say the RBI's differentiated licensing is the way forward. The RBI's decision to grant
bank licenses to infrastructure lender IDFC and Bandhan Financial, a microfinance institution, and
the intention to set up payment banks and small banks will take banking services to a whole new
customer set. RBI Governor Raghuram Rajan also recently cautioned on merging weak banks. "If two
unhealthy banks were merged, then the created entity will also be unhealthy and could create a bigger
problem in the economy," he said
Researcher Name Vinod Kumar and Bhawna Malhotra

Year: 2017
Topic: A camel model analysis of private banks in India
Keywords: Private banks , Financial Performance, CAMEL Model
Vinod Kumar and Bhawna Malhotra(2017), attempted has been made to evaluate the
performance & financial soundness of selected Private Banks in India for the period 2007-2017.
CAMEL approach has been used. This study concluded that the Axis bank is ranked first under
the CAMEL analysis followed by ICICI bank. Kotak Mahindra occupied the third position. The
fourth position is occupied by HDFC bank and the last position is occupied by IndusInd bank
amongst all the selected banks.
By considering all of the parameter of CAMEL, it is seen that Axis bank is at the top position as
assessed by the CAMEL Model compared to other bankunder the study. Axis bank has strong
performance in case of Asset Quality, Management efficiency and Earnings. Ability while it is lag
behind in case of capital adequacy. On the other side, IndusIndbank at the lowest position compared
to other banks under the study due to its poor performance in the context of Capital Adequacy,
Earnings Ability and Liquidity whereas it perform better in case of capital adequacy. Therefore,
IndusInd bank should improve its position in particular weak areas. Therefore, the policymakers of
the related lowest ranking banks should take necessary steps and try to find out solution to improve
their weaknesses by using the findings this study
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Researcher Name Mr.P.Rajendra, Dr.B.Sudha
Year: November 2019

Topic: A Study on Financial Analysis and Performance of Kotak Mahindra Bank
Keywords: Kotak Mahindra Bank, Financial Performance, Ratio Analysis, Financial Position.
This study has been carried out to evaluate the financial performance Kotak Mahindra Bank. India‘s
second largest private sectors bank in terms of market share over the past five financial years i.e.,
2014, 2015, 2016, 2017 and 2018. The financial performance of above mentioned bank has been
evaluated giving consideration to primarily ratio analysis wherein under liquidity ratios current ratio
and quick ratio. The profitability ratios are calculated i.e., Fixed Assets Ratio, Debit – Equity Ratio
and Proprietary ratio and give interpretation to each ratios. This has been done with a view to obtain
an understanding of the finan8cial position of the bank and how it has been performing past five
financial years.
Objectives of the study
 1.To evaluate the financial efficiency of Kotak Mahindra Bank.

 2.To analysis the liquidity and solvency position of the bank.
 3.To find changes in the trends of the bank using trend analysis.
Conclusion
This study finally concluded that the financial performance Kotak Mahindra Bank. India‘s second
largest private sectors bank in terms of market share over the past five financial years i.e., 2014, 2015,
2016, 2017 and 2018. The financial performance of above mentioned bank has been evaluated giving
consideration to primarily ratio analysis wherein under liquidity ratios current ratio and quick ratio.
The profitability ratios are calculated i.e., Fixed Assets Ratio, Debit – Equity Ratio and Proprietary
ratio and give interpretation to each ratios. This has been done with a view to obtain an understanding
of the financial position of the bank and how it has been performing past five financial years. The
fluctuations of current ratio shows the Bank`s ability to meet its short-term liabilities are satisfactory
in the study period. The trend of the super quick ratio in the current year implies that the bank is
highly capable of liquidating its funds. This downward trend was in the fixed assets ratio unfavorable
position of the Bank. This ratio was less than one in the study period. It indicates that a portion of
working capital has been financed by long – term funds.
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CHAPTER-4
DATA ANALYSIS, INTERPRETATION AND PRESENTATION.
The researcher have done a survey with help of goggle forms to calculate how many people are aware
of the services which are provided by the public and private sector banks. This data is collected on the
basis of responses which are given by the people.
Under the data analysis and interpretation, made by the data which is collected from the general
public to see whether the general public are aware of the facility or not. Whatever data is collected by
the survey are presented in the tabular or chart form with the help of proper diagram & with the help
of Google applications.
There total of 15 charts which are created with the help of the data which is provided by the
respondents. The explanations about the charts are explained below:
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CHART 1:
CLASSIFICATION OF RESPONDENTS ON THE BASIS OF THEIR AGE:
SR NO CATEGORY NO OF RESPONDENT PERCENTAGE %
1 BELOW 20 15 23%
2 20 - 30 45 69%
3 ABOVE 30 5 8%
TOTAL 60 100%
Pie diagram:
BELOW 20
20 - 30
8%
ABOVE 30
23%
69%
THE ABOVE CHART INDICATES IN WHICH GROUP THE RESPONDENTS BELONGS:
As the above charts shows that majority of the respondents belongs to the 20-30 age group
which is 69% age. Age is a crucial factor which depicts the personal and psychological maturity of
the customers
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CHART 2:
CLASSIFICATION OF RESPONDENTS ON THE BASIS FROM HOW MANY YEARS THE

RESPONDENTS HAVE ACCOUNT WITH THIS BANK:
1 LESS THAN 1 YEAR 25 41%
2 2 YEAR 16 27%
3 3 YEAR 10 17%
4 MORE THAN 3 YEARS 9 15%
TOTAL 60 100%
Pie diagram:
LESS THAN 1 YEAR
2 YEAR
15%
3 YEAR
41% MORE THAN 3 YEARS

17%
27%
THE ABOVE CHART INDICATES FROM HOW MANY YEARS THE RESPONDENTS
HAVE ACCOUNT WITH THIS BANK:
Nowadays, people prefer banks which provide us with a better quality of products and services.
As the above charts shows, if the customer is not satisfied with his / her banking services than he might
continue to operate the banking transaction from the same bank. As shown in the above document the
majority of the people are been a customer of a particular bank from a less than one years
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CHART 3:
CLASSIFICATION OF RESPONDENTS ON THE BASIS OF WHICH TYPE OF ACCOUNT

THE PEOPLE HAVE:
1 CURRENT ACCOUNT 5 8%
2 SAVING ACCOUNT 45 75%
3 DEMAT ACCOUNT 10 17%
4 LOAN ACCOUNT 0 0%
TOTAL 60 100%
Pie diagram:
CURRENT
ACCOUNT
SAVING
ACCOUNT
DEMAT
8% ACCOUNT
17%
LOAN ACCOUNT
75%
THE ABOVE CHART INDICATES THAT WHICH TYPE OF ACCOUNT IS PREFERED BY

THE PEOPLE:
Nowadays banks offer many types of accounts so that the customers can use all facilities which are
provided by their respective banks. As the above chart shows, majority people prefer saving account
the count is 75% people now days prefer saving account because it is beneficial to the salary owned
people so that they can save money
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CHART 4:
CLASSIFICATION OF RESPONDENTS ON THE BASIS THAT IS IT DIFFICULT TO OPEN

ACCOUNT IN BANK:
1 Yes, to some extent 6 10%
2 No, it was easy 54 90%
TOTAL 60 100%
Pie diagram:
Yes, to some extent
No, it was easy

10%
90%
THE ABOVE CHART INDICATES THAT IS IT DIFFICULT TO OPEN ACCOUNT IN BANK:
As the above charts shows that majority of the respondents find easiest in opening account
in the bank. From the above given chart 90% of respondent finds easy in opening account and some
find difficulty to some extent in opening account which is 10% of respondent
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CHART 5:
CLASSIFICATION OF RESPONDENTS ON THE BASIS THAT DOES BANK SERVE ALL

YOUR BANKING NEEDS:
1 YES 56 93%
2 NO 4 7%
TOTAL 60 100%
Pie diagram:
YES
NO
7%
93%
THE ABOVE CHART INDICATES THAT DOES BANK SERVES ALL YOUR BANKING
NEEDS:
Nowadays all banks are in race to achieve the title of the best banks in India. Every
bank is doing their best to serve customer needs. According to above given chart, 93% of respondents
agree that bank serves all their banking needs.
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CHART 6:
CLASSIFICATION OF RESPONDENTS ON THE BASIS OF WHICH OF THE FOLLOWING

SERVICES OF THE BANK THE BANK CUSTOMERS LIKE TO GO FOR:
1 PHONE BANKING 15 25%
2 NET BANKING 5 8%
3 ATM 10 17%
4 BILL PAYMENT 0 0%
5 NONE OF THESE 0 0%
6 ALL OF THESE 30 50%
TOTAL 60 100%
Pie diagram:
PHONE BANKING
NET BANKING
ATM
BILL PAYMENT
NONE OF THESE
25% ALL OF THESE
50%
8%
17%
THE ABOVE CHART INDICATES THAT WHICH OF THE FOLLOWING SERVICES OF

THE BANK CUSTOMERS WOULD LIKE TO GO FOR:
The banks are providing their customers with a lot of services, from the above given chart 50% of the
respondents are using all services which are provided by banks, 25% would like to with phone banking
and 17% of respondents use ATM service.
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CHART 7:
CLASSIFICATION OF RESPONDENTS ON THE BASIS THAT WHICH OF THE

FOLLOWING FACILITIES HAVE GIVEN MORE IMPORTANCE IN YOUR BANK

1 Loan facility 10 17%
2 Overdraft facility 5 8%
3 Credit Card facility 30 50%
4 ATM 15 25%
TOTAL 60 100%
Pie diagram:
Loan facility
Overdraft facility
17%
25% Credit Card
facility
8% ATM
50%
THE ABOVE CHART INDICATES THAT WHICH OF THE FOLLOWING FACILITIES

HAVE GIVEN MORE IMPORTANCE IN YOUR BANK:
Banks provides loan facility to their account holders, who are eligible. Customers
today have a wide selection of banking services to choose from, so providing superior customer
experiences is critical to retaining and attracting new customers. From the above given chart banks
give more importance to credit card facility which is 50 % of respondents.
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CHART 8:
CLASSIFICATION OF RESPONDENTS ON THE BASIS THAT HOW MANY

CUSTOMERS ARE YOU AWARE OF PRODUCTS & DIFFERENT SERVICES
OFFERED BY KOTAK MAHINDRA BANK:
1 YES 48 80%
2 NO 12 20%
TOTAL 60 100%
Pie diagram:
YES
NO
20%
80%
THE ABOVE CHART INDICATES THAT HOW MANY CUSTOMERS ARE YOU AWARE
OF PRODUCTS & DIFFERENT SERVICES OFFERED BY KOTAK MAHINDRA BANK:
The customers open their bank account because all they want is to get a better online
experience. Nowadays people are using online banking services more and more due to digitalization
process. . As the above chart shows that the majority of the people are aware of products and services
provided by the banks.
On the basis of survey 80% of respondents are aware of products and services offered by
the banks
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CHART 9:
CLASSIFICATION OF RESPONDENTS ON THE BASIS THAT WHAT COMES FIRST IN

YOUR MIND, WHEN YOU THINK OF YOUR BANK
1 PERSONALIZED SERVICES 25 42%
2 WIDE BRANCH NETWORK 0 0%
3 CUSTOMER SERVICES 35 58%
4 CORE BANKING 0 0%
TOTAL 60 100%
Pie diagram:
PERSONALIZED SERVICES
WIDE BRANCH NETWORK
CUSTOMER SERVICES
CORE BANKING
42%
58%
THE ABOVE CHART INDICATES THAT WHAT COMES FIRST IN YOUR MIND, WHEN
YOU THINK OF YOUR BANK:
Banks are institutions which are backed up by a large amount of capital;

today‘s Banks are spending a huge amount of money on technology, improvement in
infrastructure, etc. But even today the most lasting impact about any Bank comes from
the customers experience. From the above survey 58% of account holders of banks
think of customer service offered by bank
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CHART 10:
CLASSIFICATION OF RESPONDENTS ON THE BASIS OF WHICH PAYMENT METHOD

DO YOU PREFER TO USE
1 CREDIT/DEBIT CARD 35 59%
2 CASH ON DELIVERY 5 8%
3 NET BANKING 15 25%
4 OTHER: 5 8%
TOTAL 60 100%
Pie diagram:
CREDIT/DEBIT CARD
CASH ON DELIVERY
8%
NET BANKING
OTHER:
25%
59%
8%
THE ABOVE CHAT INDICATES WHICH PAYEMENT METHOD RESPONDENT

PREFERS TO USE;
As the above chat shows most of the people prefer to use debit/credit card, which is 59%
from the above given survey. As India is becoming cashless and most prefer payment is debit/ credit
cards.
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CHART 11:
CLASSIFICATION OF RESPONDENTS ON THE BASIS OF CUSTOMERS MOST

FREQUENT POINT OF INTERACTION WITH THE BANK

1 Visit branch 10 17%
2 Phone banking 8 13%
3 ATM 37 62%
4 Drop box 0 0%
5 Internet banking 5 8%
TOTAL 60 100%
Pie diagram:
Visit branch
Phone banking
8% ATM
17%
Drop box
Internet banking
13%
62%
THE ABOVE CHART INDICATES THE CUSTOMERS MOST FREQUENT POINT OF

INTERACTION WITH THE BANK:
The Banks are very interested to know the most popular Point of Interaction with the
Bank as if the Bank is lacking in one of these steps can be taken to make the situation better. From the
study we can see more than half which is 62% of the total respondents feel that they interact most
with the Bank with the help of ATM. Hence the importance of ATM cannot be overstated.
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CHART 12:
CLASSIFICATION OF RESPONDENTS ON THE BASIS OF OVERALL SERVICE

QUALITY OF KOTAK MAHINDRA BANK

1 Excellent 39 65%
2 Very good 12 20%
3 Good 7 12%
4 Average 2 3%
5 Poor 0 0%
TOTAL 60 100%
Pie diagram:
Excellent
Very good
3% Good
12%
Average
Poor
20%
65%
THE ABOVE CHART INDICATES OVERALL SERVICE QUALITY OF KOTAK

MAHINDRA BANK:
As today all the banks need customers they provide with better quality of the services to attract
them. And people prefer the banks which provide better quality of service. So they will join that bank
only. As shown in the above chart that majority of the customers are satisfied with the overall service
quality provided by Kotak Mahindra Bank which is 65% of the respondents.
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CHART 13
CLASSIFICATION OF RESPONDENTS ON THE BASIS ON WHICH BANK PEOPLE PREFER

TO OPEN AN ACCOUNT:

1 SBI 8 14%
2 Axis 14 23%
3 ICICI 15 25%
4 HDFC 18 30%
5 Other: 5 8%
TOTAL 60 100%
Pie diagram:
SBI
Axis
ICICI
8% 14% HDFC
Other:
30%
23%
25%
THE ABOVE CHART INDICATES THAT HOW MANY PEOPLE OPEN ACCOUNTS IN
WHICH BANK:
Nowadays banks are offering many types of accounts so that the customers can
use all facilities which is provided by their respective banks. As today all the banks need customers so
they provide with better quality of the services to attract them. And people prefer the banks which provide
better quality of service. As the above chart shows that majority of the customers prefer HDFC bank to
open account which is 30%, second most prefer bank is 25%, third is Axis, as people prefer private banks
than nationalized banks
61 | P a g e
CHART 14:
CLASSIFICATION OF RESPONDENTS ON THE BASIS OF WHICH BANK

DO CUSTOMERS PREFER MOST FOR ONLINE BANKING
1 Kotak 18 30%
2 Axis 10 17%
3 SBI 12 20%
4 HDFC 8 13%
5 ICICI 8 13%
6 OTHER 4 7%
TOTAL 60 100%
Pie diagram:
Kotak
Axis
SBI
7% HDFC
13% 30% ICICI
OTHER
13%
17%
20%
THE ABOVE CHART INDICATES WHICH BANK DO CUSTOMERS PREFER MOST FOR
ONLINE BANKING
Now days many banks are available which offers great discount and the premium
rate is low that‘s how the banks attract the customers towards their banks. As the above chart shows that
majority of the customers prefer or like online banking of Kotak Mahindra Bank. In above survey 2 ndmost
bank prefer for online banking is SBI as it is a nationalize bank.
62 | P a g e
CHART 15:
CLASSIFICATION OF RESPONDENTS ON THE BASIS OF

RECOMMENDATION OF KOTAK MAHINDRA BANK TO YOUR FRIENDS
OR COLLEGUES
1 Very Unlikely 0 0%
2 Very likely 50 83%
3 Somewhat unlikely 0 0%
4 Somewhat likely 10 17%
TOTAL 60 100%
Pie diagram:
Very Unlikely
Very likely
17% Somewhat
unlikely
Somewhat likely
83%
THE ABOVE CHART INDICATES RECOMMENDATION OF KOTAK MAHINDRA BANK

TO YOUR FRIENDS OR COLLEGUES
According to the survey 83% of the respondent says they are very likely to recommend friends and
family to open a account in Kotak Mahindra Bank. Still there are somewhat likely to recommend
friends and family to open a account in Kotak Mahindra Bank
63 | P a g e
ANALYSIS OF FINANCIAL STATEMENT OF KOTAK MAHINDRA BANK
 BALANCE SHEET OF KOTAK MAHINDRA BANK LIMITED
BALANCE SHEET OF KOTAK MAR 21 MAR 20 MAR 19 MAR 18 MAR 17

MAHINDRA BANK (in Rs. Cr.)
12 months 12 months 12 months 12 months 12 months
EQUITIES AND LIABILITIES
SHAREHOLDER'S FUNDS
Equity Share Capital 990.92 956.52 954.38 952.82 920.45
TOTAL SHARE CAPITAL 1,490.92 1,456.52 1,454.38 952.82 920.45
Revaluation Reserve 0.00 0.00 0.00 0.00 0.00
Reserves and Surplus 1,490.92 1,456.52 1,454.38 952.82 920.45
TOTAL RESERVES AND SURPLUS 83,345.53 65,677.60 56,825.35 49,533.24 37,570.39
TOTAL SHAREHOLDERS FUNDS 83,345.53 65,677.60 56,825.35 49,533.24 37,570.39
Minority Interest 0.00 0.00 0.00 0.00 474.43
Deposits 278,871.41 260,400.21 224,824.26 191,235.80 155,540.00
Borrowings 47,738.90 65,576.72 66,438.94 58,603.97 49,689.91
Other Liabilities and Provisions 25,352.26 18,549.99 18,208.43 14,967.13 13,197.64
64 | P a g e
TOTAL CAPITAL AND LIABILITIES 478,872.69 443,172.71 395,171.25 337,720.47 276,187.56
ASSETS
Cash and Balances with Reserve Bank of 12,528.00 9,513.23 10,910.92 8,933.50 7,512.23
India
Balances with Banks Money at Call and 35,188.62 54,566.61 20,353.54 15,467.13 18,076.32
Short Notice
Investments 156,945.55 111,196.91 103,487.02 90,976.60 68,461.54
Advances 252,188.22 249,878.96 243,461.99 205,997.32 167,124.91
Fixed Assets 2,553.92 2,674.72 2,697.46 2,542.89 1,758.62
Other Assets 19,468.38 15,342.28 14,260.31 13,803.03 13,253.94
TOTAL ASSETS 478,872.69 443,172.71 395,171.25 337,720.47 276,187.56
CONTINGENT LIABILITIES,
COMMITMENTS
Bills for Collection 41,272.80 39,518.98 31,852.23 37,780.36 20,318.26
Contingent Liabilities 202,290.05 190,159.09 217,847.15 196,232.49 196,172.07
Table No.1
INTERPRETATION -
 The share capital of the bank shows an increasing trend from the year 2016-17, 2017-18,
2018-19, 2019-20 and 2020-21 i.e. 920.45, 952.82, 954.38, 956.52 and 990.92 respectively. It
indicates that there is fluctuation in all years in the rate of increase in rate of reserve and
surplus.
 The deposits of bank shows increasing trend in all the years and there is no decreasing in any
year than it indicates that the bank has not repaid any of its deposits.
65 | P a g e
 The cash balance with Reserve Bank of India shows an increasing trend from the year 2016-
17, 2017-18, 2018-19, 2019-20 and 2020-21 i.e. 7,512.23 ; 8,933.50 ; 10,910.92 ; 9,513.23
and 12,528.00 respectively
 The borrowings shows an decreasing trend in all the years from the year 2016-17, 2017-18,
2018-19, 2019-20 and 2020-21 which indicate bank has repaid a large amount of borrowings
and thereby reducing the dependence on outside debt.
TREND ANALYSIS
Year Deposits (in Rs. Cr) Advances (in Rs. Cr)
2017 ₹ 1,55,540.00 ₹ 1,67,124.91
2018 ₹ 1,91,235.80 ₹ 2,05,997.32
2019 ₹ 2,24,824.26 ₹ 2,43,461.99
2020 ₹ 2,60,400.21 ₹ 2,49,878.96
2021 ₹ 2,78,871.41 ₹ 2,52,188.22
Trend Analysis for the year 2017 to 2021
TREND ANALYSIS
300000
250000
200000
Year
150000 Deposit(in Rs. Cr)
Advances(in Rs. Cr)
100000
50000
0 2017 2018 2019 2020 2021
66 | P a g e
Diagrammatic representation of trend analysis for the year 2017 to 2021
 PROFIT AND LOSS STATEMENT OF KOTAK MAHINDRA BANK LIMITED
Standalone Profit & Loss account ------------------- in Rs. Cr. -------------------

Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
12 mths 12 mths 12 mths 12 mths 12 mths
INCOME
Interest / Discount on Advances / Bills 18,589.08 20,999.24 18,371.25 14,727.95 13,402.10
Income from Investments 6,833.41 5,257.25 4,872.77 3,933.00 3,681.04
Interest on Balance with RBI and Other Inter-
1,174.74 381.24 381.42 755.29 218.32
Bank funds
Others 243.05 291.89 317.76 332.25 397.47
Total Interest Earned 26,840.27 26,929.61 23,943.21 19,748.50 17,698.93
Other Income 5,459.19 5,372.11 4,604.03 4,052.21 3,477.16
Total Income 32,299.46 32,301.72 28,547.23 23,800.70 21,176.09
EXPENDITURE
Interest Expended 11,500.62 13,429.95 12,684.25 10,216.81 9,572.78
Payments to and Provisions for Employees 3,765.40 3,911.12 3,183.61 2,950.23 2,768.53
Depreciation 366.77 371.95 366.92 302.69 290.66
Operating Expenses (excludes Employee Cost
4,451.97 4,567.87 3,964.27 3,172.80 2,559.30
& Depreciation)
Total Operating Expenses 8,584.14 8,850.94 7,514.80 6,425.72 5,618.50
Provision Towards Income Tax 2,536.93 1,996.67 2,504.34 2,133.92 1,800.31
Provision Towards Deferred Tax -198.78 -139.18 16.12 0.00 -63.74
Other Provisions and Contingencies 2,911.71 2,216.17 962.39 939.95 836.74
Total Provisions and Contingencies 5,249.86 4,073.66 3,482.85 3,073.87 2,573.31
Total Expenditure 25,334.62 26,354.54 23,681.90 19,716.40 17,764.59
Net Profit / Loss for The Year 6,964.84 5,947.18 4,865.33 4,084.30 3,411.50
Net Profit / Loss After EI & Prior Year
6,964.84 5,947.18 4,865.33 4,084.30 3,411.50
Items
Profit / Loss Brought Forward 20,511.81 16,919.29 13,604.60 10,756.29 8,214.12
Total Profit / Loss available for
27,476.65 22,866.47 18,469.93 14,840.59 11,625.62
Appropriations
APPROPRIATIONS
Transfer To / From Statutory Reserve 1,741.21 1,486.80 1,216.34 1,021.08 852.88
67 | P a g e
Transfer To / From Special Reserve 110.00 80.00 40.00 55.00 55.00
Transfer To / From Capital Reserve 14.50 114.84 6.99 24.00 10.55
Transfer To / From Investment Reserve 0.00 -31.06 101.95 0.00 -48.49
Transfer To / From Revenue And Other
820.66 481.74 1.40 0.00 0.00
Reserves
Equity Share Dividend 0.00 0.00 160.28 114.21 0.07
Preference Share Dividend 40.50 193.26 0.00 0.00 0.00
Tax On Dividend 0.00 29.09 23.68 21.70 -0.68
Balance Carried Over To Balance Sheet 24,749.78 20,511.81 16,919.29 13,604.60 10,756.29
Total Appropriations 27,476.65 22,866.47 18,469.93 14,840.59 11,625.62
OTHER INFORMATION
EARNINGS PER SHARE
Basic EPS (Rs.) 35.17 30.88 25.52 21.54 18.57
Diluted EPS (Rs.) 35.14 30.84 25.48 21.51 18.55
DIVIDEND PERCENTAGE
Equity Dividend Rate (%) 0.00 0.00 16.00 14.00 12.00
Table No.2
INTERPRETATION -
 The net profit also shows an increasing trend for all the year from the year 2016-17, 2017-18,
2018-19, 2019-20 and 2020-21 i.e. 3,411.50; 4,084.30; 4,865.33; 5,947.18 and 6,964.84
respectively.
 The above table indicates that the total incomes are showing higher increasing trend as
compared to total expenditure.
 The Kotak Mahindra bank operating expenses shows fluctuating trend. In the year 2017-18 i.e.
5,618.50 it started increasing continuously till 2019-20 i.e. 8,850.94 and then decreasing in the
year 2020-21 i.e. 8,584.14, which indicates that bank needs to decrease its operating expenses
to earn more profit
68 | P a g e
 FIANCIAL RATIO OF KOTAK MAHINDRA BANK
69 | P a g e
70 | P a g e
CHAPTER- 5
CONCLUSION
This study finally concluded that the financial performance Kotak Mahindra Bank. India‘s second
largest private sectors bank in terms of market share over the past five financial years i.e., 2017, 2018,
2019, 2020 and 2021.On the basis of financial analysis i.e. statement of balance sheet analysis,
statement of profit and loss analysis, trend analysis and ratio analysis of Kotak Mahindra Bank it can
be concluded that the overall financial position and overall performance of the bank is quiet healthy,
as the incomes of the bank have increased over the period, but not in the same pace as that of
expenses. The bank has succeeded in maintaining a reasonable profitable position.
Over the last five years which has been covered in the study i.e. 2017 to 2021. As per liquid ratio and
cash ratio it came to know that the bank day to day cash management is good which helps in
repayment of current liabilities which in turn helps in current asset management so the liquidity
position of Kotak Mahindra Bank is good. As per gross profit ratio and net profit ratio it came to
know that sales are increasing but the bank need to ensures adequate return to the owners by
increasing return on equity capital ratio. So the banks overall profitability is in better position. As per
fixed asset turnover ratio, current asset turnover ratio and proprietary ratio it came to know that efficiency
and solvency position is better
This research indicates that Kotak Mahindra Bank is leading bank in the country; it provides a variety
of products and services to different segments of customers and aims to serve all classes of the society
from the salaried middle class to the high income business class.
The study is showing a very good Overall Satisfaction Level by the Customers of Kotak Mahindra
Bank Ltd
SUGGESTIONS
The study has provided with the useful data from the respondents. There has a lot to be
recommended. Following are the recommendations made or we can say that the suggestions are as
follows:
 There is a need for better promotion for the investment products & services. The bank should
advertise its products through television because it will reach to the masses.
 The researcher suggested that The bank need to improve its current asset management,
efficiently utilize capital employed, increase its number of branches in the state, check on
unnecessary operating expenses by using automation, use channel optimization and check
staff productivity, to review the capital requirements and relative capital costs and sell of ideal
assets to improve profitability and financial position of the business which might certainly
help the bank to inculcate the same and reap profits and continue the further growth and
expansion of Kotak Mahindra Bank
71 | P a g e
WEBLIOGRAPHY:
 www.wikipedia
 www.moneycontrol.com
 www.scribd.com
 www.kotak.com
 www.policybazaar.com
 www.economictimes.com
 Websites of all the subsidiaries of Kotak Mahindra Bank Ltd
BIBLIOGRAPHY:
 Annual Report 2016-17, 2017-18, 2018-19,2019-20, 2020-21 of Kotak Mahindra Bank Ltd.
 Book refereed – Financial Management (LN Chopde, Sangam koli)

 Economics Textbook Standard 12th
 Financial Analysis of Kotak Mahindra Bank by Megha Hosakatti, Prof. Nitin Bhasker
 Management accounting and business finance by SHASHI K. GUPTA & R.K. SHARMA
72 | P a g e
ANNEXURE:
QUESTIONNAIRE ON ANALYSIS OF CUSTOMER SATISFACTION OF

KOTAK MAHINDRA BANK
EMAIL ID
Age
 Below 18
 20-30
 Above 30
For the past how many years you have account with this bank?
 Less than 1 year

 2 year
 3 year
 More than 3 years

What kind of account do you maintain in this bank?
 Current account
 Saving account
 Demat account
 Loan account
Do you think that your bank serve all your banking needs?
 Yes
 No
Do you feel the procedure to open account with the bank was difficult?
 Yes, to some extent

 No, it was easy
Do you think that your bank serve all your banking needs?
 Yes
 No
73 | P a g e
Which of the following services of the bank would you like to go for?
 Phone Banking
 Net Banking
 ATM
 Bill Payment
 None of these
 All of these
Which of the following facilities have given more importance in your bank?
 Loan facility
 Overdraft facility
 Credit Card facility
 ATM
Are you aware of products & different services offered by Kotak Mahindra Bank?
 Yes
 No
When do you think of your bank, what comes first in your mind?
 Personalized service
 Wide Branch Network
 Customer Service
 Core Banking
Which are the most comfortable payment method you often use?
 Credit/Debit card
 Cash on delivery
 Net Banking
 Other:
74 | P a g e
What is your most frequent point of interaction with the bank?
 Visit branch
 Phone banking
 ATM
 Drop box
 Internet banking
What do you feel about the overall service quality of Kotak Mahindra Bank?
 Excellent
 Very good
 Good
 Average
 Poor
Do you hold any bank accounts in the following banks?
 SBI
 Axis
 ICICI
 HDFC
 Others
Which bank do you prefer most for online banking?
 Kotak
 Axis
 SBI
 HDFC
 ICICI
 Other
How likely are you to recommend Kotak Mahindra Bank services to friends or colleagues?
 Very Unlikely
 Very likely
 Somewhat unlikely
 Somewhat likely
75 | P a g e
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A PROJECT REPORT ON

―ANALYSIS OF BUSINESS, FINANCIAL STATEMENT AND CUSTOMER

University of Mumbai for partial completion of the degree of Master in

Under the Faculty of Commerce

SUMEET SANTOSH KANOJIA

Under The Guidance Of

PROF. VIRENDRA SINGH

BUNTS SANGHA‟S S.M. SHETTY COLLEGE OF SCIENCE, COMMERCE AND

_________________ _________________ ________________

Dr. Sridhara Shetty External Examiner Prof. Virendra Singh

(Principal) (Project Guide)

SUMEET SANTOSH KANOJIA

My sincere thanks to everyone

SR NO. TOPIC PAGE

1. CHAPTER 1: INTRODUCTION 1-39

2. CHAPTER 2: RESEARCH METHODOLOGY 40-43

3. CHAPTER 3: REVIEW OF LITERATURE 44-47

4. CHAPTER 4: DATA ANALYSIS, INTERPRETATION AND 48-70

5. CHAPTER 5 : CONCLUSION & SUGGESTIONS 71

BANKING SYSTEM IS A BACKBONE OF INDIA

The banking sector development can be divided into three phases:

 THE PRE-INDEPENDENCE PHASE

 THE POST- INDEPENDENCE PHASE

 THE LPG ERA( present day )

Pre Independence Period (1786-1947)

 The General Bank of India (1786-1791)

 Oudh Commercial Bank (1881-1958)

 Bank of Bengal (1809)

 Bank of Bombay (1840)

 Bank of Madras (1843)

Bank Name Year of Establishment

Allahabad Bank 1865

Punjab National Bank 1894

Bank of India 1906

Central Bank of India 1911

Canara Bank 1906

Bank of Baroda 1908

Post Independence Period (1947-1991)

 NABARD(1982) – to support agricultural activities

 EXIM(1982) – to promote export and import

 NHB (1987) – to finance housing projects

 SIDBI(1982 – to fund small scale industries

Allahabad Bank Indian Overseas Bank

Andhra Bank Oriental Bank of Commerce

Corporation Bank Punjab & Sind Bank

New Bank of India Vijaya Bank

State Bank of Patiala State Bank of Travancore

Liberalisation Period (1991-Till Date)

Global Trust Bank IndusInd Bank

The other measures taken include:

“Think Investment Think Kotak”

ABOUT THE COMPANY

The Global Indian Financial Services Brand

The Most Preferred Employer in Financial Services

The Most Trusted Financial Services Company

 To deliver the highest standard of service quality.

 To have transparency in all our transactions or dealings.

 To have solution oriented mindset where customers are placed first.

 To accept and act upon customers feedback/complaint.

 Best Managed Board by Aon Hewitt-Mint Study 2012

KEY GROUP COMPANIES AND THEIR BUSINESSES

OUR BUSINESSES OR WE CAN SAY ―MULTIPLE BUSINESSES ONE BRAND‖.KOTAK

_________ _ ________