INTRODUCTION

Kotak Mahindra Bank (BSE: 500247, NSE: KOTAKBANK) is an Indian financial service firm established in 1985. It was previously known as Kotak Mahindra Finance Limited, a non-banking financial company. In February 2003, Kotak Mahindra Finance Ltd, the group's flagship company was given the license to carry on banking business by the Reserve Bank of India (RBI). Kotak Mahindra Finance Ltd. is the first company in the Indian banking history to convert to a bank. Today it has more than 20,000 employees and Rs. 10,000 crore in revenue.[2] Mr. Uday Kotak is Executive Vice Chairman & Managing Director of Kotak Mahindra Bank Ltd. In July 2011 Mr. C. Jayaram and Mr. Dipak Gupta, whole time directors of the Bank, were appointed the Joint Managing Directors of Kotak Mahindra Bank. Dr. Shankar Acharya is the chairman of board of Directors in the company. The Bank has its registered office at Nariman Bhavan, Nariman Point, Mumbai Established in 1985, the Kotak Mahindra group has been one of India's most reputed financial conglomerates. In February 2003, Kotak Mahindra Finance Ltd, the group's flagship company was given the license to carry on banking business by the Reserve Bank of India (RBI). This approval created banking history since Kotak Mahindra Finance Ltd. is the first nonbanking finance company in India to convert itself in to a bank as Kotak Mahindra Bank Ltd. Today, we are one of the fastest growing bank and among the most admired financial institutions in India.

COMPANY PROFILE
Kotak Mahindra Bank works with a vision to provide customer a helpful hand, in particular with Kotak Mahindra Bank Ltd is one of the fastest growing bank and among the most admired financial institutions in India. The Bank offers transaction banking, operates lending verticals, manages IPOs and provides working capital loans. They have one of the largest and most respected Wealth Management teams in India, providing the widest range of solutions to high net worth individuals, entrepreneurs, business families and employed professionals. The Bank has over 245 branches, a customer base of over 8 lakh and has spread all over India. The Bank offers complete financial solutions for infinite needs of all individual & nonindividual customers depending on the customer's need - delivered through a state of the art technology platform. They also offer investment products like Mutual Funds, Life Insurance, retailing of gold coins and bars etc. Apart from Phone banking and Internet banking, they offer convenient banking facility through Mobile banking, SMS services, Netc@rd, Home banking and BillPay facility among others. The Depository services offered by the Bank allows the customers to hold equity shares, government securities, bonds and other securities in electronic or Demat forms. Their Salary 2 Wealth offering provides comprehensive administrative solutions for Corporates with features such as easy and automated web based salary upload process thereby eliminating the paper work involved in the process, a dedicated relationship manager to service the corporate account, customized promotions and tie - ups and many such unique features. The Bank offers comprehensive business solutions for the business community that includes the Current Account, Trade Services, Cash Management

Service and Credit Facilities. Their Wholesale banking products offer business banking solutions for long-term investments and working capital needs, advice on mergers and acquisitions and equipment financing. The Bank addresses the entire spectrum of financial needs of Non-Resident Indians. Their tie-up with the Overseas Indian Facilitation Centre (OIFC) as a strategic partner gives them a platform to share their comprehensive range of banking & investment products and services for Non Resident Indians (NRIs) and Persons of Indian Origin (PIOs). The bank has overseas subsidiaries with offices in Mauritius, London, Dubai, Singapore, New York & San Francisco. The overseas subsidiaries are mainly engaged in investment advisory and investment management of funds, Equity & Debt Trading, management of GDR/ FCCB issuances, broker & broker dealer activities and investments. Kotak Mahindra Bank Ltd was incorporated in the year 1985 with the name Kotak Capital Management Finance Ltd. In April 8, 1986, the company's name was changed Kotak Mahindra Finance Ltd. They started bill discounting activity. In the year 1987, they entered into lease and hire purchase market. In the year 1990, they started car finance division and during next year, they started investment banking division. Alsom they took over FICOM, one of India's largest financial retail marketing networks. In the year 1994, the company formed Kotak Mahindra International in Mauritius and opened an office in Dubai. They formed Kotak Mahindra (UK) formed with office in London. In the year 1996, the car finance business was hived off into a separate company, namely Kotak Mahindra Primus Ltd and Ford Credit took a 40% stake in Kotak Mahindra Primus. In the year1998, they formed Kotak Mahindra Inc with office in New York. In the year 2001, Kotak Securities Ltd became a subsidiary company. In February 2003, the company was given the license to carry on banking business by the Reserve Bank of India (RBI). This approval created banking history since Kotak Mahindra Finance Ltd is the first non-banking finance company in India to convert themselves into a bank as Kotak Mahindra Bank Ltd. In March 2003, they commenced banking operations. The Bank started their operations in New Delhi by inaugurating a branch. They entered into ATM sharing agreement with UTI Bank (now known as Axis Bank), in which the Bank customer's were free to access around 800 ATM's. They unveiled several home finance products

options that include Home Loan, Home Equity Loan, Home Loan Transfer and Home Improvement Loans. Also, they launched online remittance services called FUNDS to HOME for Non-resident Indians. In January 2005, the Bank opened 29th retail-banking branch at Mehsana in Gujarat. In February 2005, they launched Rajajinagar extension counter in Bangalore and launched free Mobile Banking facility. Also, they launched their branch at Chennai, Tamilnadu. In February 23, 2005, they opened their retail-banking branch in the business capital of Madhya Pradesh. In March 2005, they opened their eighth retail-banking branch at Napean Sea Road in Mumbai. In May 2005, the Bank opened new retail-banking branch at Parry's Corner in Chennai. In June 2005, they opened two retail-banking branches in Delhi at Safdarjung Enclave and Punjabi Bagh. In October 4, 2005, the Bank acquired 40% stake in Kotak Mahindra Primus Ltd (KMP) held by Ford Credit International (FCI) thereby giving the Bank and their subsidiary, complete ownership of KMP. Simultaneously, they also sold their stake in Ford Credit Kotak Mahindra Ltd (FCKM) to FCI. In September 2006, the Bank acquired 51% of the paid up Share capital of Kotak Mahindra Securities Ltd (KMSL) by way of preferential allotment of shares by KMSL to the Bank. In March 2007, the Bank entered into a subscription agreement with International Finance Corporation, whereby the Bank will issue Upper Tier II Subordinated Bonds by way of Debentures of the value of USD 45 million with the final maturity of over 15 years. During the year 2007-08, the Bank increased 73 new full fledged branches & 179 new ATMs, taking the network size to 178 branches and 314 ATMs. They added n new products & services like Gold debit card, smart fee (a fee solution for Educational Institutions), a GPRS based mobile banking, Bill presentment and payment facility, online term deposits etc to meet the needs of the customers. In September 2007, Kotak Mahindra Icn set up a branch in San Francisco. During the year 2008-09, the Bank added 39 branches and 74 ATMs taking the total network size to 217 branches and 387 ATMs (including 175 off site ATMs). They introduced several new features like, Online password, two factor authentication, improved features for security of fund transfers, e-tax payment facility, auto payment of bills, PIN based IVR. During the year 2009-10, the Bank 32 branches, 77 off site and 28 onsite ATMS taking the total number of branches to 249 Nos, 252 Nos off-

a subsidiary of the Bank and Evercore Partners.366 crore. The Bank is looking for possible acquisition targets in the banking. and thereby increasing their presence to 183 locations. USA.876. they entered Ahmedabad Commodity Exchange as anchor investor. They had a debit card base of 829. Kotak Mahindra Capital Company Ltd. the Bank entered into business cooperation arrangement with CIMB Group Sdn Bhd. brokerage or asset management space to expand their presence in India. The lender is also looking to expand their presence by increasing their branch network to 500 by 2012 from the current 300. the Bank entered into a strategic arrangement with PVR Cinemas.5% stake on a post-issue basis for Rs 1. Aslo. In June 2010. global investment banking advisory firm headquartered in New York. They opened a representative office in Dubai. Also. In August 2011. Also. the Bank's Treasury started Correspondent Banking Division to build and leverage on relationships with offshore banks for improving quality and international reach for their customers. During the year. to distribute credit card products aimed at upmarket customers. the United States. .64 crore shares at Rs 833 per share which amounts to approximately 4. the Bank plans to open their maiden overseas branch in Singapore and has applied for a licence to the Indian central bank. one of the elite name in entertainment industry. Japan for a preferential issue of 1. entered into an exclusive strategic partnership for cross-border M&A advisory services between India and. Malaysia (CIMB). During the year 2010-11. In October 2011. overdrafts and non resident accounts. They also added over half a million new customers this year across core banking products of savings and checking account. term deposits.site ATMs and 240 Nos on-site ATMs. the United Kingdom and Mexico. the Bank added 72 branches and 246 ATMs and ended the year with 321 Branches and 710 ATMs. the Bank entered into an agreement with Sumitomo Mitsui Banking Corporation.

FEATURE AND BENEFITS Investing your money in a Term Deposit at Kotak Mahindra is a safe. Key Features    Safe and stress-free way to make your money grow Loan facility to the extent of 85% of principal on a deposit term Attractive interest rates . stress-free way to make it grow. A host of features make Kotak Mahindra Term Deposits an excellent investment opportunity.

re-invest the interest).Features & Benefits   Automatic rollover You can choose to roll over only the principal amount that you deposit or principal plus interest earned (i.e. changes in deposit tenure. maturity instructions. at the end of the period (quarter or half-yearly) You can specify. you get compound interest on the total amount. at an interest rate applicable on the maturity date When you reinvest the interest. rollover of principal plus interest. Automatic rollover will be for the same period.e. on or before the maturity date. with a period of minimum of 1 year (as per Kotak Mahindra Bank's conditions)    . payment instructions. i. principal amount and rollover mode (from principal to principal plus interest or vice versa) Loan facility is available to the extent of 85% of principal on a deposit term.

Open a term deposit or get details of all your term deposits Initiate standing instructions or place stop cheque payment instructions. this facility comes to you absolutely free of cost! Key Features of Kotak Mahindra Customer Care           Enquire on the latest interest and exchange rates. Just pick up the phone and please call there 24-hour Customer Care No. Our toll free number gives you access to your account. same time the customers are satisfied by handling there complaints on urgent basis besides maintaining a trustworthy relationship with the customers. scheme and product which are really helpful in customer’s day to day affairs. And what’s more. from anywhere… anytime. Kotak Mahindra bank Customer Care for redressal of complaint . Quick and easy access from anywhere PIN based security Customer Care Officers available 24 x 7* Free Service Various Account related services. etc Request a cheque book and account statements. Whether it is something as urgent as a stop payment or you simply want to know your balance just give a call. They have a 24-hour Customer Contact Center to offer you personalized service round the clock. Request for fund transfer* between your accounts at Kotak Mahindra Bank.MONETARY SECTOR This bank has introduced many offers.

To fill complaint form online click below: http://www.bank@kotak.Contact Centre: You may call there 24-hour Customer Contact Centre on toll free number and register your complaint. Email: You may email at service. you may escalate your grievance to the Service Assurance Centre at the Head Office of Kotak Mahindra Bank by filling the complaint form online. P.com and register your complaint Letter: You may write a letter at Kotak Mahindra Bank Ltd. Box: 16344.com/bank/grievance/grievance_form. In case you do not receive a response from any of the channels mentioned above that you have raised the issue to within 7 working days or if the response received from them is not satisfactory. Mumbai – 400013 Branch: You may meet the Branch / Service Manager of any branch and register your complaint.kotak.O.htm Kotak Mahindra Bank Customer Care Number For North India Customers Call 1800 116022 (Toll Free) For Rest of India Customers Call 1800 226022 (Toll Free) If Calling from Abroad call +91 22 6600 6022. .

Learn more about Loans:         Home Loans Personal Loans Car Loans Loan against property Home Improvement Loans Home Loan Balance Transfer Kotak Stock Ace Gold Loan .the single expert source for all your financial needs. Unexpected expenses. wedding in the family. education.LOANS AND ADVANCES Loans that help you fulfill all your financial needs Kotak Mahindra Bank presents Personal Finance . home improvement or that long awaited vacation.

The procedure is simple.000-50 lakh* Quick Approval & hassle-free processing Minimal paperwork Flexible repayment options Repay with easy EMIs Convenience of service at your doorstep Features & Benefits    Avail loans from Rs. home improvement or that long awaited vacation. .000 . Minimal paperwork & hassle free processing: Our minimal document requirements leave you tension and hassle free. Key Features       Avail loans from Rs. Quick approval: With a Kotak Mahindra Bank Personal Loan. our range of Personal Loans can help. No matter what your financial needs are .50 lakh* for any purpose based on your income and repayment capacity and fulfill all your financial needs. our personal loans help you fulfill them Our Personal Loans help to make a difference in your life. school fees. In as less as 72 hours you can turn your dreams into reality. documentation is minimal and approval is quick. you are not far away from making your dreams come true. worries are kept at bay.50 lakh*: You can avail of a loan from Rs.000 . Additionally. Whatever the occasion.PERSONAL LOANS No matter what your financial needs are. wedding in the family.unexpected expenses. as no security or collateral is required.50.50.50.

the differentiator is our ability to understand the customer's need completely and structure the value-adds appropriately. which don't overburden you with a worry to pay heavy EMIs.  Flexible repayment options: Our flexible loan tenors range from 12 .60 months for salaried customers and from 12. based on our interaction with the customer. . Home buying is an emotional decision and one must find the right partner to guide you through the course.36 months for businessmen / professionals. It is with this thought in mind that we innovate constantly. and the Bank Doorstep Service makes the home buying process seamless and pleasurable. you can fix an appointment with any of our representatives and they could assist you in all your loan formalities. HOME LOANS Designed to suit your requirements At Kotak Mahindra Bank. we need to offer not only competitive products. Convenience of service at your doorstep: Our Loans are just a phone call away. but also the best possible service and value-added features and benefits. we offer highly customized facilities of availing home loans. This otherwise seemingly difficult process is made simpler and more convenient for the customer. A relationship that is happy from the start is extended through the attention the customer gets through his loan repayment tenure and beyond. In a market where the basic product is largely similar. Importantly. We believe that in order to succeed. we appoint a dedicated manager who takes customers through the entire process. Sometimes. customers are unable to spare that extra time from their hectic schedules. starting with the filling in of the application forms and culminating in the loan disbursement process.

Key Features      High Eligibility for Businessmen Doorstep Service Attractive Interest Rates Simplified Documentation Quicker Turnaround time Features & Benefits The key advantages of Kotak Mahindra Bank Home Loans are:       High Eligibility for Businessmen Doorstep Service Attractive Interest Rates Simplified Documentation Insurance Options to cover your home loans at attractive premium Quicker Turnaround time .

10 lakh .3 crore! Loans against residential as well as commercial properties Features & Benefits  Funds for all your needs .LOAN AGAINST PROPERTY Unlock the potential in your property and . The benefit is that interest rates on LAP are generally lower than rates on other consumer loans Key Features    High loan eligibility for businessmen Loans amounts ranging from Rs.Rs. A LAP is a loan given against the security of your existing property.benefit with lower interest rates Unlock the potential in your property by availing a Loan Against Property (LAP).

10 lakh to Rs. High loan eligibility for businessmen If you are a businessman. emergencies. Kotak Commercial Property loans You can also avail of Kotak Commercial Property loans .in the literal sense! Our loans help you get that Commercial space that with provide you the opportunity to expand your Business and develop it to its full potential. education etc.   . at Kotak we do not evaluate your loan eligibility on the basis of your financial statements alone. like funding existing business.literally! Our loans help you get that opportunity to expand your business and develop it to its full potential. And not just that. for loan amounts ranging from Rs. while understanding the nature of your business and related aspects. Loans against residential as well as commercial properties Loan against property facility is available against your residential as well as commercial properties.3 crores. We put our trust in you and your entrepreneurial judgement.that help your business grow. debt consolidation. One can use this loan for a variety of purposes. This overall understanding helps us work out a financial solution that will match your needs. you can also avail of Kotak Commercial Property Loans that help your business grow.

you can make your home a better one to reside in. Key Features  Improve your home .HOME IMPROVEMENT LOANS Make your home a better place to reside in With Kotak Home Improvement Loans.

Attractive interest rates We offer Home Improvement Loans at very attractive interest rates. And what's more. tiling. flooring. Key Features . paint. furnish. etc. Build up its equity You can build up equity in your home by making improvements in the property. fixing grills.in your home. extend or simply change the way your home looks. but also monetarily. there are no hidden charges to it. plumbing. This makes the value of your home increase . you can now borrow against your existing home to decorate. painting. You can avail these for repairs. renovate.  Build up its equity Attractive interest rates Features & Benefits  Improve your home With Kotak Home Improvement Loans.not just cosmetically.   Home Loan Balance Transfer Transfer your home loan to us and benefit largely Kotak Home Loan Transfer offers you the same home on better terms to suit your needs.

balance tenure etc Call us now to know your savings under the Kotak Home Loan Transfer and find out how Kotak Home Finance can meet you needs. The exact figure will depend on the rate on the existing loan. Quick check Even a 1. Future payments are made to Kotak Mahindra Bank. You want to use the equity in your house to get money for any of your needs.1.0% reduction in the interest rate can save you more than Rs. .  Transfer your loan to a lower interest rate Simple documentation and speedy processing Features & Benefits  Home Loan Transfer Home Loan Transfer is basically taking a home loan. The procedure of acquiring the loan is made easy. the choice to transfer is made when interest rates are lower than the original loan. You can take a top-up over the existing loan to get the much needed cash to fulfill your needs. to pay off existing home loan(s). Typically. You are trying to reduce your home loan term to pay off your loan faster. You are trying to reduce your interest rate and lower your payments. Kotak Home Loan Transfer is based on your convenience. iii. ii. You should go for Kotak Home Loan Transfer if: i. A Top-up over the existing loan can provide you ready cash for any of your needs. and the amount payable for your installments are designed to make you feel comfortable.5 lakh on a loan of 10 lakh over a 20 yr period.

GOLD LOAN .

Key Features        Instant loan Utmost safety of your gold Minimal documentation Higher Loan to Value Easy repayment with multiple modes Overdraft facility Need not be an existing Kotak Bank customer Features & Benefits   The gold ornaments /coins proposed to be pledged by the customer will be assessed & valued immediately in order to arrive at the loan amount eligibility. The customer can then avail a maximum of 90% Loan-To-Value of the total valuation as certified by the bank's assayer.A simple.EMI ( Equated Monthly Installment) Overdraft Facility Overdraft facility provides the flexibility to the customer to rotate his funds & thus utilize the credit limit as per his needs. can also avail this facility . easy. Term Loan . It not only suits the working capital needs of small business enterprises but also acts as an additional source for their business growth. Kotak brings to you a product designed to make your future full of golden opportunities and growth.Bullet (Monthly interest servicing & principal repayment at the end of the tenure) Term Loan . iii. Applicants who are not the existing customers of Kotak Mahindra Bank Ltd. reliable way to use your gold for a better tomorrow Kotak Mahindra Bank now presents Kotak Gold Loan that offers quick and easy financing at very attractive interest rates. ii. best suited to him as well as the type of the repayment amongst the following options: i. With this offering. The customer at the time of availing the gold loan facility can decide on the facility available under the product.

Safe Deposit Lockers Be at peace when your valuables are in our lockers . Current Accounts Accounts deigned for small-mid size business or an enterprise Kotak Mahindra Bank offers you unparalleled advantages with its three Current Account offerings. Free At -Par Cheque facility to Free Trading Account & free Demat Account. The savings account goes beyond the traditional role of savings. With features ranging from Free DDs. to provide you a range of services from funds transfer options to online payments of bills to attractive returns earned through a comprehensive suite of investment options. Free Cheque Collection. you would find a Current Account that's just designed for you. and more! Term Deposits Term Deposit with highly attractive interest rates Kotak Mahindra Bank brings you Term Deposit at highly attractive interest rates coupled with special facilities like Overdraft and Re-investment option. Whether you have a small/ mid size business or you are an enterprise spread across multiple locations in the country.ACCOUNTS AND DEPOSITS Savings Accounts Choose the Account best suited to your needs Our Savings Accounts are designed to ensure you receive the benefits of quick & convenient banking transactions along with options for your money to earn high returns.

Euromoney 2010 Best Private Bank in India 2010 .Kotak Mahindra Bank offers you Safe Deposit Locker facilities which can be utilized to safe keep your important documents. jewellery and other valuables. Recent awards:  Kotak Bond Regular received the Lipper Fund Award 2010 for „Best Fund over 10 years Bond Indian Rupee‟ Best Investment Bank for 6 years in a row from 2006 to 2011.Euromoney 2011 Best Range of Advisory Services Category .Finance Asia Country Awards        . AWARDS AND RECOGNISIONS Our commitment to excellence whether it‟s in banking or insurance or stock broking or fund management has earned us great recognition in India and internationally. Finance Asia Best Equity house in India – FinanceAsia Country Awards 2011 Best Domestic Equity House for 4 years in a row by Asiamoney in 2011 Best Private Banking Services Overall in India .Euromoney 2010 Best Family Office Services Category .

Kotak Mahindra Mutual Fund is sponsored by Kotak Mahindra Bank Limited.Welcome to Kotak Mahindra Mutual Fund We are sponsored by Kotak Mahindra Bank Limited. is our Investment Manager. with a pedigree of over twenty years in the Indian Financial Markets. Today we offer a complete bouquet of products and services suiting the diverse and varying needs and risk-return profiles of our investors. Kotak Mahindra is one of India's leading financial institutions offering complete financial solutions ranging from commercial banking. Kotak Mahindra Mutual Funds are managed by Kotak Mahindra Asset Management Co. one of India's fastest growing banks. Kotak Mahindra Asset Management Co. We are committed to offering innovative investment solutions and worldclass services and conveniences to facilitate wealth creation for our investors. to investment banking. which is part of the Kotak Mahindra Group. a wholly owned subsidiary of the bank . Ltd.. a wholly owned subsidiary of the bank. Ltd. to stock broking. to life insurance.. to mutual funds. 1998. We made a humble beginning in the Mutual Fund space with the launch of our first scheme in December.

One brand.  Kotak Mahindra Bank Ltd is a one stop shop for all banking needs.kotak.Our Businesses Multiple businesses. Kotak Mahindra is one of India's leading banking and financial services groups. Kotak has one of the largest and most respected Wealth Management teams in India. entrepreneurs.com/bank/personal-banking/ . offering a wide range of financial services that encompass every sphere of life. For more information. please visit the Kotak Mahindra Bank website www. operates lending verticals. Kotak Mahindra Bank offers transaction banking. The bank offers personal finance solutions of every kind from savings accounts to credit cards. business families and employed professionals. distribution of mutual funds to life insurance products. manages IPOs and provides working capital loans. providing the widest range of solutions to high net worth individuals.

. to voice their issues on a worldwide platform and win an all-expenses paid trip to Jaipur. the participating global Indians will present their views on ‘Cohesive Growth benefiting NRIs and Indians’ – a theme that complements Pravasi Bharatiya Divas’. Power Podium 2011 offers a golden opportunity to aspiring NRIs.PARTNERS Kotak Mahindra Bank: NRI Banking partners with NRI Matters to launch NRI Power Podium Kotak Mahindra Bank: NRI Banking partnered with NRI Matters to launch a campaign – NRI Power Podium to connect the Indian diaspora with their Country – where they got an opportunity to come to India & also participate in the biggest NRI event – Pravasi Bharatiya Diwas to represent their concern & point of view. where they shall be a part of Pravasi Bharatiya Divas (PBD) 2012. ‘Inclusive Growth’. This year. which begins from the 7th of December and ends on the 25th of December. NRI Matters is proud to present its second edition of NRI Power Podium. Now. The first edition of NRI power Podium in early 2011 was very well received by Indian diaspora across 60 countries.

such as Meera Nair. Minister of Information & Broadcasting Shri Vayalar Ravi. Group Head. comprising of Mr. Manmohan Singh. President Shrimati Pratibhasinh Patil. So this year. Jaipur from January 7th to 9th. 2012 . Kotak Mahindra Bank had an arduous time going through all the applications and short-listing 25 final candidates. These 25 candidates were further evaluated and finally." -Karan Ratti. Power Podium 2010 was NRI Matters’ first campaign which received a total of 13. TIE Global. 3 of them were chosen as winners who represented the Indian Diaspora at Pravasi Bharatiya Divas 2011. one of the 3 champions of Power Podium 2010 at PBD. Retail banking. this year’s edition aims at bettering last year’s record-breaking effort. Last year’s jury.215+ signups and over 600 applications – all in a period of 1 month. this feat was archived in the Limca Book of Records.K. Aggarwal. This is the only way we know to accommodate the enormous diversity of opinions and interests in our country. Manmohan Singh. Power Podium awaits its 2 proud victors who shall represent the Indian Diaspora at Birla Auditorium. Hum Desi (Radio partner) and Click2remit (Remittance partner). It was more than an exhilarating experience to share a few words with luminaries. KVS Manian. The event is partnered by MakeMyTrip (Travel partner). Kamla Persad-Bissessar and other dignified personalities. CEO. Shashi Tharoor. New Delhi. A follow up to Power Podium 2010. Prime Minister of Trinidad & Tobago Mrs. Mr. P. "Conversing one-on-one with Mr. New Delhi." -Dr. Sam Pitroda helped me understand better the issues concerning information for global Indians. Sam Pitroda and others. “Each citizen should feel that his or her voice is heard and have a sense of participation in national development.2 winners then get to fly to Jaipur and socialize with the likes of Prime Minister Dr.

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Learn more about Funded Products:   Working Capital Structured Products Treasury Products Mitigate Business Risks Risks are a reality of the business world.PRODUCTS AND SERVICES Funded Products Short and medium term funding facilities At Kotak Mahindra Bank we understand the challenges and complexities faced by corporations in managing cash flows. Learn more about Treasury Products:    Foreign Exchange Money Market Benchmark PLR Investment Products Meet your financial goals . We provide money market and foregn exchange facilities to help you mitigate them.

structured products and loan syndication. Mortgage Backed Securities (MBS). we recognize that financial needs vary. develop innovative products and then deliver these through topnotch execution capabilities and a wide distribution network across the country.At Kotak Mahindra Bank. This includes corporates. Learn more about Investment Products:    Term Deposit Mutual Funds Bancassurance Fixed Income Products A range of debt and fixed income products Our debt capital markets group comprises a team of experienced and highly qualified professionals who structure products to suit the dynamic and varied needs of customers across segments. We offer a variety of products from plain vanilla debt issuance to Asset Backed Securities (ABS). Financial Institutions and banks. We have years of experience in helping organisations put together an investment portfolio that works best for them. Our strength lies in our ability to customise instrument structures. state level undertakings. Public Sector Undertakings. Learn more about Fixed Income Products:    Sales and Distribution Case Studies Research .

With our special arrangement with HDFC Bank. you can use your Kotak Mahindra Bank Global Debit Card at over 1450 HDFC Bank ATMs absolutely free onstantly growing ATM network brings the bank within your easy reach.ATM NETWORK The ATM service is available to you absolutely FREE Our strategically located and constantly growing ATM network brings the bank within your easy reach. The ATM service is available to you absolutely FREE Our strategically located and constantly growing ATM network brings the bank within your easy reach. The state of the art touch screen Kotak Mahindra Bank ATMs are part of the Visa/Plus ATM network. . That means you can withdraw cash from our ATM Network with International and Domestic Visa/Visa Electron/Plus Credit Cards/Debit Cards.

Key Features     Access your account anytime anywhere State of the art Touch Screen ATMs Affiliated to the VISA network Access any ATM in the country absolutely free. Services available      24-hour access to cash Transfer funds between accounts View Account Balances and Mini Statement Pin Change option Call our 24-hour Customer Contact Center to know more. 'Pay at a later date' or 'Schedule Regular Payments'. You have the option to 'Pay Now'.Within your own Kotak Accounts.anywhere.The state of the art touch screen Kotak Mahindra Bank ATMs are part of the Visa/Plus and Cashnet ATM network. anytime Move Money . available to you 24X7 and it's absolutely free! Key Features   Bank 24X7 . That means you can withdraw cash from our ATM Network with any International and Domestic Visa/Visa Electron/Plus Credit Cards/Debit Cards. NETBANKING Kotak Mahindra Bank's Net Banking service brings you the timeless world of instant banking. It is quick and easy. You even have the option to 'Save' the Transaction and pay . to another bank via NEFT/ RTGS and Demand Draft. to someone else's Kotak Account.

Beneficiaries added at other channels like branch too. giving you complete control of your accounts:      View account balance. will be available for the customer on Net Banking to make a transfer to. You can book a Term Deposit and can do a premature withdrawal online.        when desired. Debit Card PIN . View details across Accounts. place standing instructions and cheque status Open a Term Deposit Transfer funds online between your/third party accounts with Kotak Mahindra Bank or any other bank account via RBI's NEFT or RTGS system Place request for a cheque book. . VISA Credit Card bills. Term Deposits and Demat Accounts Pay your utility bills . (E.g. Invest /Redeem in Mutual Funds online and much more Stringent security offers complete peace of mind Net Banking Features .What all can you do online? Net Banking gives you a host of services. account activity. You can add a Beneficiary and Multiple accounts can be mapped for a beneficiary for Transfer Type. Recharge Prepaid Mobile phones and DTH accounts and even pay your Direct tax through Kotak BillPay Safe online shopping with Kotak Netc@rd ASBA-apply for IPO/FPO/Rights Issue without any paper-work and from the convenience of your home / office. You can even view all your 'Completed Transactions' along with the status.NEFT / RTGS etc). payment gateway registration and lots more Pay your Utility Bills on Kotak BillPay .

make utility bill payments and much more via Kotak Payment Gateway. Know more about Kotak Payment Gateway           Banking Accounts Demat Accounts Investments Kotak Netc@rd Kotak BillPay / Get Money ASBA Requests Profile Mail Statement How secure is Net Banking? Protected by the most stringent security systems. . Buy and redeem Mutual Funds online Shop online at over 3000 websites. Net Banking allows you to transact over a completely secure medium.    Safe online shopping with Kotak Netc@rd View securities available for Demat View current Mutual Fund holdings. The servers are protected with firewalls that make unauthorized access impossible. All your transactions travel via 256-bit SSL encrypted medium. the highest level of security on the internet.

To prevent somebody from accessing your Net Banking User ID and Password through capturing of keystrokes from a keyboard. For Payment gateway transactions. It is unblocked upon your request. Dynamic Access Code can be generated by entering your User ID / Nick Name and your Net Banking Password and clicking on 'Generate Dynamic Access Code' tab on the Dynamic Access Code login page.Each customer is. customers will be required to enter Dynamic Access Code irrespective of the customer being deregistered for Dynamic Access Code. we have now . To provide enhanced security and safety we have introduced Dynamic Access Code. Dynamic Access Code is valid for an hour from the time it is generated by you. we close your Internet session in case of inactivity for an extended period of time. Similarly.e. In addition we guard against unauthorised entry or viewing in the following ways:     To prevent somebody from guessing your password and getting unauthorised access to your account your User ID is locked in case of three consecutive wrong password entries in 24 hours. This Dynamic Access Code is to be generated online and will be sent instantly to your preferred Email ID and Mobile Number registered with the Bank. for creating NetC@rd. your 'Dynamic Access Code'. registration of Dynamic Access Code is compulsory. provided with a User ID and Password. to prevent somebody from guessing your Dynamic Access Code and getting unauthorised access to your account generation of Dynamic Access Code is locked in case of five consecutive wrong entries of Dynamic Access Code of in 24 Hours To prevent an unauthorised person from viewing your Net Banking account in case you leave your computer idle. To log in to Net Banking / Payment Gateway/Mobile Banking you would need to enter an additional password i. Similarly. You can block your account anytime for any duration you wish by contacting our Customer Care Officer at our 24-hour Customer Contact Center. Your password is generated in such a way that it is only known to you.

 enabled the 'Virtual Keypad' on the Net Banking / Payment Gateway Login screen. Access Code and transaction alerts are sent to your preferred Email ID and Mobile Number registered with the Bank. you will not be able to change your preferred Email ID or Mobile Number through Net Banking and would need to submit a signed request along with an acceptable proof of identity at your nearest Kotak Mahindra Bank's Branch . For security reasons.

Key Features        Anytime. All this absolutely FREE*! Using the service. you can experience the benefits of online banking anywhere and anytime.without a PC or internet connection View details across Accounts. Anywhere Banking Experience online banking . Savings & Term Deposit accounts View your account activity Transfer funds between your accounts or other accounts in Kotak Bank Send and receive money from your mobile instantly via Interbank Mobile Payment Service (IMPS) . All this convenience comes to you on a secure and user friendly GPRSbased Mobile Banking platform. you can access your bank accounts and investment accounts at your fingertips. without the need for a computer.anytime.encrypted communication Mobile Banking Features       Menu driven service . anywhere. anywhere Secured platform . Term Deposits and Investments Send and receive money from your mobile instantly via Interbank Mobile Payment Service(IMPS) Pay utility bills Invest/Redeem in Mutual Funds .without a pc or internet connection Welcome to the world of convenience banking on your Mobile phone. Now. Check your account balances for Current. anytime.no need to remember complex codes Security through 256 bit encryption.ONLINE BANKING Experience online banking .

       Make payments to selected merchants via IMPS Merchant Payments Purchase & redeem Mutual Fund units Report loss/theft of Debit Card and request for replacement Check status of your Cheque instruments Request issue of new Cheque book Pay Utility Bills to over 150 service providers Make VISA credit card payment Please Note: i. Daily limits for Visa credit card payment is Rs. logon to www.999 You can only transfer funds between Kotak accounts and to those beneficiaries registered on your Kotak Net Banking. You can make payments via mobile banking for the registered billers only.the Activation Key is generated on first login. login to Kotak Net Banking. . To register a beneficiary. which needs to be activated by forwarding the activation key. IMPS facility is available for the banks participating in Interbank Mobile Payment Service (IMPS). To view the list of banks please click here iv. To register / add a biller on Kotak BillPay. What you need to access this service To access Kotak Mobile Banking you need:      A Kotak Mahindra Bank account A Java-enabled handset An active GPRS connection (Advanced GPRS recommended) from your service provider Registration for Net Banking and a Net banking password Activation Key . Alternatively you can call up our 24-hour Customer Contact Centre or visit the nearest bank branch ii.com.kotak. received on your preferred mobile number to 9971056767/ 5676788 or visit the nearest branch. iii.49.

Kotak Mobile Banking allows you to transact over a completely secure medium.Security Features Kotak Mobile banking platform uses secured Https protocol for communication between the mobile client and the mobile server. Downloading the Application All you need to get started using Kotak Mobile Banking is to download the application by sending K MOBILE <Last 4 digits of your CRN> as SMS to 9971056767/5676788. please note that you will need to pay for the GPRS subscription charges as levied by your Mobile phone service providers . *Mobile Banking is offered to our customers absolutely FREE. Please make sure that you have updated your current mobile number with us. You can also call our 24-hour Customer Contact Centre for downloading Kotak Mobile Banking application. the highest level of security on the network. simply forward the activation key. Protected by the most stringent security systems. All your transactions travel via 256-bit SSL encrypted medium. The servers are protected with firewalls that make unauthorized access impossible. Registration Login to Kotak Mobile Banking with your Net Banking user ID and password to receive Activation Key on your preferred mobile number and email id registered with the bank. You would be receiving the link to download the application on your mobile number registered with the bank. To activate Mobile Banking on your handset. received on your preferred mobile number to 9971056767/5676788 or visit the nearest branch. There are no charges levied by us for accessing this service. However. Please note you need to send the message from the preferred mobile number you have registered with the bank.

Kotak Mahindra Prime Limited provides car dealers with inventory funding.Kotak Mahindra Bank Ltd loans comprise Car Finance. Kotak Mahindra Bank Limited Car Loans Kotak Mahindra Bank Limited Car Loans come from Kotak Mahindra Prime Limited a subsidiary unit of Kotak Mahindra Bank Ltd. Kotak Mahindra Bank Limited belongs to the leading Indian financial conglomerate Kotak Mahindra Group. Commercial Loans. It is also the preferred financier of a number of car manufactures in the country. Kotak Mahindra Bank Limited Home Loans Kotak Mahindra Bank Limited Home Loans comes with a host of attractive features. The company provides finance options for all types of passenger vehicles and multi-utility vehicles including cars. Some of the salient features are described below. Personal Loans and Loans Against Property. Home Loans.   Wide array of offerings Absence of hidden charges .

These loans are also known as Jaldi Loans. Working Capital Financing. Easy and flexible EMIs are available for repayment. Fixed Deposit linked Home Loans and Kotak Flexi Home Loan are some home loan offerings from Kotak Mahindra Bank Limited. This loan can be used for issues like debt consolidation.000 to 50 lakh. Some key features of this loan are given below.   Pre-approved sanctions Life insurance options Personal accident insurance.     Heightened loan eligibility for businesspersons Loans are available against both commercial and residential properties Personal accident insurance comes free with the loan Loan range is from ` 10 lakh to ` 3 crore Kotak Mahindra Bank Limited personal loans are fast and easy. The entire process involves minimal paperwork. This loan can be used for a variety of financing purposes like Commercial Vehicle Financing. Loan approval period can be as low as 72 hours. which is free Vanilla Home Loan. Kotak Mahindra Bank Limited personal loans Loans Against Property is a unique product from Kotak Mahindra. Infrastructure Financing. Kotak Mahindra Bank Limited also offers Commercial Loans under the head of Retail Assets. The loan range is from ` 50. emergencies and the like. educational finance. Financing of Tractor and Farm Equipment . There are a host of other privileges associated with this loan. Apart from these.

Accomplished this through an unprecedented amount of testing which saw more than 100 “end of days”. and simulations of operations right through to April 2012 prior to going live The bank‟s insistence on testing every offering before giving it the go ahead – as well as its vast test case repository – was a contributing factor in the smooth execution The availability of the production environment at the simulation stage itself.    . which was to eliminate the problems of the existing system and ensure that there was no disruption of business during and after the Finacle “go live”. which gave the bank and the implementation team a realistic preview of the results that they could expect after going live on the new system.KEY SUCCESS FACTORS  One of the biggest reasons for this success was the teams‟ unrelenting focus on achieving what they had set out to do.

cross sales and fee income New offerings.Benefits    Agility and short time to market Scalability to support future growth 44% increase in new accounts added in the quarter succeeding implementation Increase in new sales. such as RTGS Payments. Sweeps and Standing Instructions 24x7 back office    .

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