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1

T H E J O U R N E Y S O FA R

In October 2005, Kotak Group acquired the 40%


stake in Kotak Prime held by Ford Credit
International (FCI) and FCI acquired the stake in
Ford Credit Kotak Mahindra (FCKM) held by
Kotak Group.

Anchor
Investment
in ACE

In May 2006, Kotak Group bought 25% stake


held by Goldman Sachs in Kotak Mahindra
Capital Company and Kotak Securities

Alternate ARC
Assets
BANK

Invest
ment
Banking
Auto
Finance

Mutual
Fund

KS
Life
Insurance

614th Branch
& Celebrating
29th Year of
success

IPO

Bill
Discounting

1985

1990

1992

1995

1998

2000

2001

2003

2004

2008

2010

2012

2014
2

T H E KOTA K G R O U P S T R U C T U R E

Commercial Bank &


Holding Company

Kotak Mahindra
Capital Company
Investment
Banking

Kotak Mahindra
Financial Services
Ltd.
Advisory
Services for
Middle East

Kotak Securities
Stock Broking
E Broking
Distribution

Kotak Investment
Advisors
Alternate assets

Kotak Mahindra
Investments
Investment
Lending

Kotak Mahindra
International
Advisory
Services
Investments

Kotak Mahindra
Prime
Car Finance
Other Lending

Kotak Mahindra
UK
Asset
Management
Broking

Kotak Mahindra
AMC
Mutual Fund

Kotak Mahindra
Inc
Broker / Dealer

Note: All companies are fully owned subsidiaries except K< Old Mutual Life insurance in which KMBL owns 74%

Kotak Mahindra
Pension Fund
National
Pension Funds

Kotak Mahindra
Trustee Services
Trustee
Company

Kotak Mahindra
Trustee Company
Trustee
Company

Kotak Forex
Brokerage
Forex
Brokerage

Kotak Mahindra
Old Mutual Life
Insurance*
Life Insurance

Kotak Mahindra
Asset Management
(Singapore)
Asset
Management

Wide National Footprint

G EO G R A P H I C A L P R E S E N C E O F KOTA K G R O U P

with Multiple Points of Presence


Business

Sept 30, 2014

Banking

641

Car Finance
International office situated at
Abu Dhabi, Dubai, London,
Mauritius, New York, Singapore

74

Life Insurance
Securities

210
1,164

Mutual Fund
Total

79
2,168

All figures are as of September 30, 2014


4

THE BOUQUET OF BENEFITS

Specially for you


Preferential features & discounted
charges on your Savings Account.
Refer to the Privy League Insignia
general schedule of charges
Earn Higher on
Savings account balances
Earn 5% p.a. for balances up to 1
lac and 6% p.a. on balances
beyond 1 lac in your savings
account
Save with
Term deposits , recurring deposits
& SIPs

Rest assured
Zero maintenance charges on
your Demat & Savings account

Your security,
our priority
Get up to 75% discount on
locker rentals
The ultimate lifestyle
complement
Privy League Visa Signature
Debit Card thats packed with
lifestyle benefits

The Bank comes home to you

Free home banking transactions

Earn interest
up to 6% p.a. on
your Savings
Account balance

Reducing hassles
Free at-par cheque books
SMS us at KPRIVY & we will handle
your transactions
Choose from a range
of products
Including business banking solutions
& Loans
5

P R I V Y L EAG U E S I G N AT U R E D E B I T C A R D

Accepted worldwide, this unique card


comes with a flexible usage limit

Default cash withdrawal and purchase


limit of INR 3,00,000 & INR 4,50,000
respectively per day

No fuel surcharge at any fuel station in


India

Visa Concierge Services to help you with


booking flights, car rentals, hotels and
much more

2 Quarterly complimentary access to VISA


affiliated airport lounges

Special Offers and Discounts at


Merchant Outlets great deals
at exclusive outlets in categories
such as Lifestyle, Fine dining,
Travel, Health and Fitness

Complimentary insurance
benefits on your card:
Air accident insurance cover
of INR 10,000,000
Lost card liability insurance
of INR 400,000
Lost baggage insurance of
INR 100,000
Purchase protection of INR
150,000
6

P R I V Y L EA G U E S I G N AT U R E C R E D I T C A R D

Complimentary Priority Pass membership


worth USD 99. With this Priority Pass
Membership, you get VIP access* to over
600 airport lounges spread across 100
countries.

Complimentary PVR tickets in every quarter

Reward Points: You now have the power to


choose your Reward Plan (Shopping/Travel),
which has been specially designed to suit
your lifestyle. You can earn up to 10x reward
points as per the reward plan

Higher Credit Limits

Low interest rate :You will enjoy a low


monthly interest rate of 2.49%.

Fuel Surcharge Waiver: Save 2.5% fuel


surcharge across all petrol pumps in
India

Kotak PVR offer Buy 1 get 1 free on


Saturdays

VISA Signature offers:


Block buster weekends. Buy 1 ticket
& get 1 ticket free on
www.bookmyshow.com
Visa Airport lounge access

For more information on VISA offers,


please refer to the link:
VISA Signature Credit Card Offers

* This credit card is priced at an annual fee of Rs.5000/- which is waived off for insignia customers in the 1st year.
The above card benefits are not applicable from 2nd year

P OW E R O F K P R I V Y

Features

Facilitates investment in Mutual funds, SIP, IPO,


Term deposits, recurring deposits etc. along with
other financial and non financial transactions

Benefits

Customer convenience to transact over telephone by


sending an SMS to KPRIVY* 5676788

*Applicable basis registered mobile number available with kotak bank.

KOTA K C A R LOA N S

KMPL* has tie ups with almost all car


manufacturers / dealers in India including Toyota,
Honda, Maruti Suzuki, Tata Motors, Hyundai,
Volkswagen group, GM, Mahindra Renault

* Offered by Kotak Mahindra Prime Ltd, a


kotak group company.

Wide Geographical coverage Servicing customers


across:

74 locations

15 States

Attractive interest rates

Flexible schemes

Speedy loan processing

H O M E LOA N S

Kotak Smart Home

Why this product over an ordinary home loan?

Exclusive product for Privy League Insignia


Customers

Utilizes the excess funds in your savings account, to


save interest on your Home Loan.

Disbursed in the form of Overdraft (up to 30%


of Loan amount) and Term Loan (at least 70%
of Loan amount)

Competitive Rates

Full Waiver of Non-utilization Charges on OD and


Foreclosure Charges on HL

Certificate of Interest and Principal paid on Loan


under Section 24(b) of the Income Tax Act will
contain the Interest paid in the Home Loan Account
as well as Smart Home Account (OD)

10

GENERAL INSURANCE

We protect your valuable assets & your health from various uncertainties

GENERAL INSURANCE PRODUCTS

Car Insurance + Add ons

Mediprime

Home Insurance

*Insurance products in this slide and the next slide are tie-ups

11

LIFE INSURANCE

Fund Facts :

Entry Age : 0 65 yrs

Maturity Age

Tenure

Premium Mode : Annual/Qtly/Half Yearly/Monthly

For a healthy 30 year old male, an investment of Rs 50,000 per month for a period of 15 years,
will yield Rs 1,46,56,650, assuming that the fund grows by 8% every year

: 10 30 yrs

: 0 65 yrs

Actual Fund Performances as on : 31-Aug-14


Fund Name

1 yr

3 yr

5 yr

Since Inception

Money Market

8.7%

8.9%

NA

7.7%

Dynamic Gilt Fund

11.2%

8.0%

7.4%

6.7%

Dynamic Bond Fund

11.7%

8.6%

8.3%

8.2%

Dynamic Floating

11.0%

9.7%

8.1%

7.5%

Balanced Fund

31.2%

13.0%

NA

9.8%

Frontline Equity

47.1%

16.8%

NA

10.9%

Classic Opportunities

51.4%

17.4%

NA

12.6%
12

FINANCIAL PLANNING PROCESS


Analysis of current financial position and
explore all possible strategies
Aim to understand financial position
and Objective of the client

Initial Meeting

Analysis

Preparation

Regular reviews of investment portfolio


and financial position

Preparation of comprehensive Statement


of Advice including the most appropriate
strategy and investment
recommendations

Ongoing
review
Meetings

Implementation

Presentation

Presentation of personalized Statement


of Advice. Queries may be discussed with
the Financial Planner

Execution Services of your investments in


accordance with your instructions
Kotak Bank provides these services as a value-add service and does not charge any fees with regard to the same. However, Kotak Bank may earn
distribution / commission / referral fees in respect of the products / services distributed /referred.
13

F I N A N C I A L G OA L S

Which financial goals are you planning for?

Leading a
comfortable
Retired Life

Childrens
Education

Buying a Dream
House

Childrens
Marriage

Vacation
Planning

Buying a Luxury
Car

14

E X P EC TAT I O N S F R O M A F I N A N C I A L P L A N

Asset
allocation

Major
purchases

Retirement

Cash Flow

FINANCIAL
PLAN
Insurances

Education
funding

Estate
planning

Networth

Estate Planning services / Insurance services are provided by subsidiaries of Kotak Bank or through a third party.

15

I N V E S T I N G I N S TO C K M A R K E T S F O R
T H E LO N G T E R M , PAYS

Date

BSE Sensex

1-Year Roll Ret. Ann.

3-Year Roll Ret. Ann.

5-Year Roll Ret. Ann.

10-Year Roll Ret. Ann.

15-Year Roll Ret. Ann.

31/12/1995
31/12/1996
31/12/1997
31/12/1998
31/12/1999
31/12/2000
31/12/2001
31/12/2002
31/12/2003
31/12/2004
31/12/2005
31/12/2006
31/12/2007
31/12/2008
31/12/2009
31/12/2010
31/12/2011
31/12/2012
31/12/2013

3,110.49
3,085.20
3,658.98
3,055.41
5,005.82
3,972.12
3,262.33
3,377.28
5,838.96
6,602.69
9,397.93
13,786.91
20,286.99
9,647.31
17,464.81
20,509.09
15,454.92
19,426.71
21,170.68

-20.79%
-0.81%
18.60%
-16.50%
63.83%
-20.65%
-17.87%
3.52%
72.89%
13.08%
42.33%
46.70%
47.15%
-52.45%
81.03%
17.43%
-24.64%
25.70%
8.98%

5.95%
-2.67%
-2.33%
-0.59%
17.51%
2.77%
2.21%
-12.28%
13.70%
26.47%
40.61%
33.13%
45.38%
0.88%
8.19%
0.36%
17.01%
3.61%
1.06%

24.28%
10.07%
6.94%
-1.80%
4.97%
5.01%
1.12%
-1.59%
13.82%
5.69%
18.78%
33.39%
43.10%
10.55%
21.46%
16.88%
2.31%
-0.86%
17.01%

19.41%
19.37%
23.51%
16.44%
20.44%
14.24%
5.50%
2.59%
5.72%
5.33%
11.68%
16.14%
18.67%
12.17%
13.30%
17.83%
16.82%
19.10%
13.73%

22.48%
18.96%
20.04%
18.06%
21.42%
14.40%
12.95%
14.50%
15.56%
15.30%
15.73%
14.08%
14.63%
7.31%
10.45%
13.39%
11.33%
11.76%
13.76%

-52.45%
81.03%
15.13%
36.65%

-12.28%
45.38%
10.58%
15.74%

-1.80%
43.10%
12.17%
12.21%

2.59%
23.51%
14.32%
5.89%

7.31%
22.48%
15.06%
3.82%

Min Returns
Max Returns
Average Returns
Standard Deviation
Source: Bloomberg

16

SIP THE CONCEPT

Systematic Investment Plan (SIP) is a simple and


time honored investment strategy for accumulation
of wealth in a disciplined manner over long-term
period. Simply, SIP is a vehicle or approach to invest
a fixed amount in any fund/scheme at regular
intervals. Such approach helps in investing across
market phases (bull or bear), and thus the cost of
investments get averaged over a period of time

Systematic Investing means

Investing a fixed amount

Investing for a continuous period

Investing at regular intervals

Rupee cost averaging


17

T EC H N O LO G Y & C O N V E N I E N C E

18

F O R T H E P R I V I L EG E D F E W

We believe in offering preferential pricing across products for our privileged customers
Offering

Insignia Plans discounted rates

Standard charges

Mutual Fund purchase through Kotak Investment a/c

0.50%

1.40%

Mutual Fund purchase through AMC forms

1.0%

1.75%

Lifetime waiver on a/c maintenance


charges

Annual charges

Nil

INR 100 per quarter if there has


been no transaction in the quarter^

Upto 75% discount

Standard charges

Kotak Demat Account

Investment Account maintenance charges


Locker Charges

19

F O R T H E P R I V I L EG E D F E W

Offering

Insignia Plans discounted rates

Standard charges

Dedicated Service Relationship Associate

Yes

No

Discount on issuance of Kotak World Travel Card

Free

No Discount

Discount on issuance of Best Compliments Card

Free

No Discount

Brokerage charges (offered by Kotak Securities)

0.025% (intraday) and 0.25%


(delivery)

Card Rates

Preferential tariff on Forex

Yes

Card Rate

Preferential rates for Car Loan (offered by Kotak


Mahindra Prime)

Yes

Card Rate

Preferential rates for Housing Loan

Yes

Card Rate

20

A S S I S T I N G YO U I N YO U R L I F E S T Y L E
PREFERENCES

Your Privy League privileges extend to your


immediate family too, so they can enjoy the same
benefits that you do. Family members that can be
grouped together are: Spouse, Parents, Mother /
Father-in-Law, Children and Son/Daughter-in-Law,
Grandchildren and Grand Parents.

Get complimentary invites to the most happening


events in your city - movies, plays, premieres,
musical evenings, golf events, wine tasting sessions
and much more, all based on your preferences

Rediscover the joy of leisure weekend reading with


a complimentary subscription to Privy League Select
your very own lifestyle magazine

21

THANK

YOU
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