STUDY OF OPERATIONS AND COMPARATIVE

ANALYSIS OF KOTAK MAHINDRA BANK

AGRICULTURE AND RETAIL PRODUCTS WITH
COMEPTITORS AND PEER BANKS

OUTLINE OF PROJECT WORK

SUBMITTED BY

Mr.Ashutosh Mukunda Lande

(REG. NO.: MBA-P/21/17)

PROJECT GUIDE

Dr.S.S.Bhosale

SUBMITTED TO

MASTER OF BUSINESS ADMINISTRATION (AGRICULTURE) COLLEGE

OF AGRICULTURE, PUNE.

MAHATMA PHULE KRISHI VIDYAPEETH, RAHURI

(2023)
 OUTLINE OF PROJECT WORK

1. Name of the Student:- Mr. Ashutosh Mukunda Lande

2. Registration No:- MBA-P/21/17

3. Degree:- MBA (Agri.)

4. Center of P.G. Education:- College of Agriculture, Pune-5

5. Department &Discipline:- MBA (Agri.)

6. Name of Project Guide:- Dr. S.S.Bhosale

Title of Project Work: Study Of operations and comparative analysis of Kotak Mahindra Bank
Agriculture and retail Products with competitors and Peer banks

7. Name of Industry : Kotak Mahindra bank

8. Objectives:
1. To Study Operations of Kotak Mahindra Bank
2. To study Market share analysis Kotak Mahindra Bank and its competitors
3. To Compare Product Mix Kotak Mahindra Bank with other banks
4. To Study Agricultural loan offered by Kotak Mahindra Bank
5. To Compare the product and services offered by Kotak Mahindra Bank With other
banks.
6. To study the problems in financing of tractor loan Products and suggestions.

9. Introduction:

“KOTAK MAHINDRA BANK “was founded by Hon. Uday S Kotak in the year 1985
Established in 1985, Kotak Mahindra group is one of India's leading financial services
conglomerates. In February 2003, Kotak Mahindra Finance Ltd. (KMFL), the
group's flagship company, received banking license from the Reserve Bank of India (RBI),
becoming the first non-banking finance company in India to convert into a bank - Kotak
Mahindra Bank Ltd. (KMBL).
Effective April 1, 2015, ING Vysya Bank Ltd has merged with Kotak Mahindra Bank Ltd
creating a Rs 2 trillion institution (consolidated). The merged entity – Kotak
 Mahindra Bank Ltd. has a significant national footprint of 1,250+ branches and 1,900+
ATMs spread across 640+ locations, affording it the capacity and means to serve even
better.
Kotak Mahindra bank Bardoli started in 2017.
The Bank has three Strategic Business Units catering to retail and corporate customers
across urban and rural India.
Mission –
To best Understand needs of the customers and to deliver Customized pragmatic solutions
across multiple platforms
To create an ethos of trust across all constituents adhering to high standards
Work with a home grown professionally managed company
To give pepole a perspective that is universal as well as unique
To provide workd class financial services

Company Information:

Company Name KOTAK MAHINDRA BANK

Company Status Active

Registration Number

Company Category

Class of Company Private

Year of Incorporation 1985

Age of Company 38 years

Activity Agriculture and Retail Finance and Refinance

12. Research methodology

1. Location of company Office: Kotak Mahindra Bank

Near Jalaram Temple, Station Road Bardoli,Surat,Gujrat,394601.
2. Location of Study: Bardoli.

3. Method of Data Collection:

i) Primary Data- Primary data will be collected through company data base and records , Personal
interaction with the owners, retailers and suppliers, by interacting with employees, HR Managers
and Department Heads with the help of Schedules, Personal interaction, Questionary.

ii) Secondary Data- Secondary data will be collected data base and company records , online
portal,Linkdin,Companies Website

i) Selection of Sample Size:

ii) Data Analysis Methods: Collected data will be analysed

and represented in graphical
and tabular form.

13. Project Schedule:

Sr. No. Project Scheduling From To

1. Training Period (60 Days) 12/06/2023 12/08/2023

Data Collection

2. i) Primary Data 12/06/2023 02/ 07/2023

ii) Secondary Data 02/07/2023 22/07/2023

3. Data analysis 23/07/2023 13/08/2023

4. Groundwork of 10/11/2023 20/11/2023
project report and
PowerPoint
Presentation
Report writing and report
5. 20/11/2023 30/11/2023
Submission

14. References:
 15. Facilities Require:

The facilities such as computer along with internet available in the Department
of MBA (Agri.) and library of Agriculture College, Pune will be used for reviewing the literature
related to the project.

Place: Pune (Mr. Ashutosh Mukunda Lande)

Date: / / 2022 (MBA-P/21/17)

Students Advisory Committee

PARTICULAR NAME SIGN

Project Guide/
Dr.S S.Bhosale
Chairman

Member

Member
Member
Review of literature:-

Several studies have been conducted to examine the efficiency of banks. Berger
and Humphrey (1997) in their study provide an extensive review of studies on the
efficiency of banking sector. They pointed out that, majority of studies focused on the
banking markets of well-developed countries with particular emphasis on the US
market.

Bhattacharyya et al. (1997) used DEA to measure the productive efficiency of 70

Indian commercial banks in the period 1986-1991. They found that the public sector
banks are the most efficient banks as compared to foreign banks and private banks.

They also found a temporal decline in the performance of public sector banks. Das
(1997) used the cross-section data and DEA to examine the efficiency of 65 major
banks for the year 1995. He found that Indian banks were more technically efficient
than allocatively efficient.

Mukherjee et al. (2002) examined the technical efficiency of 68 Indian commercial

banks for the period 1996-1999 and found that public sector banks are more efficient
than both private and foreign banks.

Ram Mohan and Ray (2004) also found that public sector banks performed better
than private sector banks but not differently from foreign banks. All these studies
have compared the efficiency of public, private and foreign banks by using a
common frontier and such comparisons are not justified on the ground that public,
private and foreign banks are operated under different legal and regulatory
frameworks.

The pace of bank mergers and acquisitions is increasing all over the world and it
has given rise to an extensive economic research. Today, there is quite an
abundance literature available on the subject of bank mergers.

Berger et.al (1999) provided a comprehensive review of studies evaluating mergers

and acquisitions in banking industry. In literature, there has been number of studies
conducted on the impact of mergers on the efficiency of banks.

The studies that have been conducted to analyze the impact of mergers and
acquisitions on bank performance can be classified as ex-ante studies and ex-post
studies.

Ex-ante studies assess the effect of merger on bank performance by analyzing the
stock market the impact of mergers and acquisitions on the efficiency and
performance of banks.
Literature cited:-

Finance for Food: Towards New Agricultural and Rural Finance" by Doris Köhn,
Daniela Weide, and Matthias Kalkuhl.

"Agricultural Finance: From Crops to Land, Water and Infrastructure" by Helyette

Geman.

"Agricultural Finance: From Theory to Practice" by Colin A. Carter and Giancarlo

Moschini.

"Financial Management for Agribusiness" by W.J. Florkowski, Robert L. Dismukes,

and Peter W. Schmitz.

"Finance for Executives: Managing for Value Creation" by Gabriel Hawawini and
Claude Viallet.

"Retail Management: A Strategic Approach" by Barry R. Berman and Joel R. Evans.

"The New Rules of Retail: Competing in the World's Toughest Marketplace" by Robin
Lewis and Michael Dart.

"The Retail Revival: Reimagining Business for the New Age of Consumerism" by
Doug Stephens.

"Retailing Management" by Michael Levy and Barton A. Weitz.

"The End of Retail: How Big Box Stores are Emptying Our Wallets and Bankrupting
Our Communities" by Richard C. Longworth.

In addition to books, you may also find the following sources helpful:

Industry reports and publications from agricultural and retail organizations, such as
the United States Department of Agriculture (USDA), Food and Agriculture
Organization (FAO), and International Council of Shopping Centers (ICSC).

Academic journals focused on finance, agricultural economics, and retail

management, such as the Journal of Agricultural Economics, Agricultural Finance
Review, and Journal of Retailing.