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SUMMER TRAINING PROJECT REPORT

(RMB - 035)

ON
“A study of Customer satisfaction for Financial Products of
Kotak Mahindra Bank.”

AT
KOTAK MAHINDRA BANK, LUCKNOW

Submitted in the Partial Fulfillment for award the degree of
Master of Business Administration (MBA)
Programme : 2016 -18
of
Dr. A.P.J.A.K. Technical University, Lucknow

SUBMITTED BY
TRIPTI MISHRA
MBA - 3rd SEMESTER
ROLL NO. - 1601470023

Faculty of Management Science
Shri Ram Murti Smarak College of Engineering & Technology, Bareilly

Summer Training Project Report

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Tripti Mishra

Summer Training Project Report

Shri Ram Murti Smarak College of Engineering &
Technology, Bareilly (U.P.)

Faculty of Management Science

Certificate

This is to certify that Mr./Ms.Tripti Mishra a regular student of MBA 2016 Batch has

undergone Summer Training in “Kotak Mahindra Bank Lucknow” on the topic of

“Customer satisfaction for Financial Products In Kotak Mahindra Bank” for a

period of 6 week commencing from 05/June/2017 to 15/July/2017.

This Summer Training Project Report embodies the facts and figure collected and

interpreted by him/her during the course of Training.

This Certificate is issued by the undersigned on the basis of the Summer Training

Certificate of the organization in which the student completed the Summer Training

during above period.

(Dr. Anant K. Srivastava) Date:
Head of Department Place: Bareilly

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Tripti Mishra

Summer Training Project Report

DECLEARATION

I, TRIPTI MISHRA Student of MBA 2nd Year of SHRI RAM MURTI SMARAK

COLLEGE OF ENGINEERING & TECHNOLOGY, BAREILLY (UTTAR

PRADESH) hereby declare that all information facts and figures produced in this report

is based on my own experience and study during my open market research on

“CUSTOMER SATISFACTION FOR FINANCIAL PRODUCTS IN KOTAK

MAHINDRA BANK”

I Further declare that all the information and facts furnished in this

project report are based on my intensive research findings. They are firsthand and

original in nature.

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Tripti Mishra

Summer Training Project Report

ACKNOWLEDGEMENT
I take this opportunity to express our sincere gratitude to the people who have been

helpful in the successful completion of my training and this project. I would like to show

my greatest appreciation to the highly esteemed and devoted staff and supervisor of

Kotak Mahindra Bank, Lucknow. I am really thankful to them for tremendous support

during my training and project.

I would like to deep sense gratitude to (Branch Manager of Kotak Mahindra Bank,

Lucknow) Mr. Sayeed Sheikh for providing me opportunity to undergone summer

training.

I thank profusely Mr. Sushil Gupta for encourage me to training at this organization,

Kotak Mahindra Bank, Lucknown I would also like to show my gratitude to the Mr. S.K.

Suman (mentor of project) for his valuable guidance, keen interest and encouragement

at various stages of my training period.

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Tripti Mishra

Summer Training Project Report

EXECUTIVE SUMMARY
The main aim of this study is to find the interrelationships between service quality,
customer satisfaction and customer loyalty in banking sector.

Kotak Mahindra Bank is an Indian private sector bank headquartered in Mumbai. It
offers a wide range of banking products and financial services for corporate and retail
customers through a variety of delivery channels and specialized subsidiaries in the areas
of personal finance, investment banking, life insurance, and wealth management. Kotak
Mahindra Bank has a network of around 650 branches and over 1150 ATMs spread
across 363 locations in the country.

Customer satisfaction has been one of the main concerns of bank. This has been
necessitated by the stiff competition in banking industry. Banks are striving hard to offer
quality services and product in a bid to maintain existence customers. Customers on the
other hand, want the best value for their money so they are always coming around to get
the best services.

Researcher has been used descriptive research in this research and sample of figure is
around 110 has been taken. After research there are some results that can also help bank
to cognize those weaknesses on which bank can dwell. Customer awareness is most
important part for customer satisfaction that will alleviate issues related to customers and
customers would be more satisfied. For more awareness of customers what policies
should adopt to bank can reach every person or customers.

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Tripti Mishra

Summer Training Project Report TABLE OF CONTENTS PART A: CHAPTER 1 GENESIS OF THE ORGANIZATION 9-37 CHAPTER 2 ORGANIZATION STRUCTURE AND HIERARCHIES 38-40 CHAPTER 3 FUNCTIONAL AREAS 40-42 CHAPTER 4 PRODUCTS/SERVICES 43-62 CHAPTER 5 MARKETING STRATEGIES 63-69 Part B: CHAPTER 1 INTRODUCTION 71-71 Page 7 of 110 Tripti Mishra .

Summer Training Project Report OBJECTIVE OF RESEARCH 72-72 SCOPE 73-73 CHAPTER2 RESEARCH DESIGN 74-76 CHAPTER 3 INTERPRETATION AND ANALYSIS 77-94 CHAPTER 4 LIMITATIONS 95-95 FINDINGS 96-96 CONCLUSION 97-97 BIBLIOGRAPHY 98-98 ANNEXURE 99-103 Page 8 of 110 Tripti Mishra .

Summer Training Project Report PART:A Page 9 of 110 Tripti Mishra .

life insurance. : INE237A01028 Industry : Banks Face Value : Rs.00 If you are an investor who has shares of Kotak Mahindra Bank or you are an stock market analyst then I am sure you might for Quarterly Results of Kotak Mahindra Bank. Kotak Mahindra Bank has a network of around 650 branches and over 1150 ATMs spread across 363 locations in the country.Summer Training Project Report CHAPTER 1 GENESIS OF THE ORGANIZATION Kotak Mahindra Bank is an Indian private sector bank headquartered in Mumbai. Page 10 of 110 Tripti Mishra . BSE Code : 500247 NSE Symbol : KOTAKBANK ISIN No. 5. and wealth management. investment banking. It offers a wide range of banking products and financial services for corporate and retail customers through a variety of delivery channels and specialized subsidiaries in the areas of personal finance.

That’s not all.190 crore for the quarter ended June 30. Kotak Mahindra Bank Q1 Results 2016-17 : Kotak Mahindra Bank announced its Q1 FY 2016-17 Results on 21 July 2016.Summer Training Project Report In this article you will find Q1. Q3. 2016 as compared to Rs.. Kotak Mahindra Bank posted a net profit of Rs.73 Page 11 of 110 Tripti Mishra .85 5469. On Standalone basis.e. Net NPA at 1. Q2.) Q1 Standalone Q1 Consolidated Revenue 4386.21% (Values in Cr.742 crore for the quarter ended June 30. 2015. FY 2015-16 Results of Kotak Mahindra Bank. On Standalone basis. 2015. Kotak Mahindra Bank Q1 Results 2016-17 : Kotak Mahindra Bank announced its Q1 FY 2016-17 Results on 21 July 2016. Q4 and FY 2016-17 Results of Kotak Mahindra Bank.742 crore for the quarter ended June 30.190 crore for the quarter ended June 30. Kotak Mahindra Bank posted a net profit of Rs. 2016 as compared to Rs. you can compare those results with previous year i.

64 Page 12 of 110 Tripti Mishra .80 Equity 917.88 Expenditure -1337.02 Interest -2467.19 20401.82 Kotak Mahindra Bank Previous Year’s Results (FY 2015-16) : (Values in Cr.03 1624.Summer Training Project Report Other Income 733.97 1082.79 917.15 Total Income 5120.04 5.03 7866.18 2397.75 -2904.79 EPS 4.) Standalone Consolidated Revenue 16384.49 Net Profit 741.25 -6029.29 Tax -393.55 -541.00 Depreciation – – PBT 1315.

42 18.19 917.19 EPS 11.23 7572.52 -21959.09 5023.78 3431. financial services Page 13 of 110 Tripti Mishra .62 Net Profit 2089.97 Depreciation – – PBT 4041.Summer Training Project Report Other Income 2612.52 Expenditure -5471.94 -1592.42 27974.88 Total Income 18996.74 Tax -1033.22 Interest -9483.81 -11122.91 Type Public company Trade as BSE: 500247 NSE: KOTAKBANK Industry Banking.12 Equity 917.

Investment & Institutional Banking)  Mohan Shenoi (Chief Operating Officer)  Gaurang Shah (President . Insurance and International Business)  D Kannan (Group Head .Asset Management. India Key People  Uday Kotak (Founder & Executive Vice Chairman & MD)  Dipak Gupta (Joint MD)  Jaimin Bhatt (President & Group CFO)  Shanti Ekambaram (President .Commercial Banking)  Arvind Kathpalia (President &Group Chief Risk Officer) Page 14 of 110 Tripti Mishra .) Headquarters Mumbai.Consumer Banking)  KVS Manian (President .Corporate.Summer Training Project Report Founded 1965 (as Kotak Mahindra Financial Ltd.

Reserve Bank of India (RBI) gave the license to Kotak Mahindra Finance Ltd. Kotak Mahindra Finance Ltd. it was the fourth largest private bank in India by market capitalization. investment banking. investment banking. Kotak Mahindra Bank has a network of Page 15 of 110 Tripti Mishra . life insurance. In February 2003. and wealth management. life insurance. and wealth management.163 ATMs in the country (as of 31 March. Kotak Mahindra Bank is an Indian private sector bank headquartered in Mumbai. the Group's flagship company. (KMFL). With this. It offers a wide range of banking products and financial services for corporate and retail customers through a variety of delivery channels and specialized subsidiaries in the areas of personal finance. In 2016. to carry on banking business. received a banking license from the Reserve Bank of India (RBI). It offers a wide range of banking products and financial services for corporate and retail customers through a variety of delivery channels and specialized subsidiaries in the areas of personal finance. KMFL became the first non-banking finance company in India to be converted into a bank – Kotak Mahindra Bank Limited (Kmb)ltd. India. Kotak Mahindra Bank has a network of 1. the group's flagship company.369 branches across 689 locations and 2. 2017). In February 2003..Summer Training Project Report HISTORY OF BANK In 1985 by Uday Kotak established what became an Indian financial services conglomerate. Maharashtra.

investment banking and clients' money management.Starts auto finance division for financing passenger car. Kotak Mahindra Finance Ltd. directors.Summer Training Project Report 1. 1990 3. The company's name was changed on 8th April 1986 to its present name Kotak Mahindra Finance Ltd. of equity shares subscribed for by the promoters. financing against securities.41. it was the fourth largest private bank in India by market capitalization.000 shares in prop. The Company deals in Bill discounting. The Company has been promoted by Mr UdayS Kotak. 1985 The company was incorporated on 21st November 1985 under the name Kotak Capital Management Finance Ltd. commences bill discounting business.2.7. corporate finance. money market operations. of equity shares allotted as rights as on 28. MrS.770 No.A. consumer finance. leasing and hire purchase.50. 19. 2017). 1:1 as on 29.000 shares issued as bonus (6. The company obtained the certificate of commencement of business on 11th February 1986 and the Existing promoters were joined by Mr Harish Mahindra and Mr Anand Mahindra. 3.369 branches across 689 locations and 2. 1:1 as on 27.163 ATMs in the country (as of 31 March. Page 16 of 110 Tripti Mishra .A Pinto and Kotak & Company.000 shares in prop.91). management of fixed deposit mobilisation.08.89.50.89 and 13.00.3.230 No.[4] In 2016.

being the date of allotment of the debentures.500 debentures to employees and 1.. As per the terms of debenture issue.95 crores in the following manner: (i) 2.Summer Training Project Report 1991 An application was made to SEBI for approval for setting up a Mutual Fund trust and an asset management company. The Company established itself as a major leasing and hire-purchase company and as a source of finance for purchasers of automobiles. directors. The newly set up Corporate Advisory Services Group received several mandates for advice on mergers and acquisitions and re-structuring. of equity shares allotted as on 25th February. a portion of Rs 45 of each debenture of Rs 90 was to be converted into 1 equity share of Rs 10 each at a premium of Rs 35 per share as on the date of allotment of the debentures. The non- Page 17 of 110 Tripti Mishra . (ii) 77.500 No. the Company offered and allotted 15. Additional 30.93.82.500 debentures to Indian public through prospectus.000 debentures to promoters.000 debentures to Indian public were allotted to retain oversubscription. Accordingly 17.500 debentures to employees (including working directors)/workers on preferential basis (iii) 12.00. directors.72.14% secured partly convertible debentures of Rs 90 each for a total value of Rs 13. etc. 1992 In January. etc.50. 9.000 debentures to promoters.000 . The Company's newly established Foreign Exchange Risk Management Service carters to the vast potential demand for price risk management. 1992.

30.40. along with 15.82.600 shares taken up).950 shares were allotted to those who had applied for additional shares.55. 18 crores by issue of Commercial Paper which has been awarded P1 + rating by Credit Rating and Information Services of India limited (CRISIL) indicating highest standards of safety.000 shares to Foreign/Indian Financial Institutions (all were taken up).. Another 5.000 shares.400 shares not taken up by employees'. In April.00. Rs 15 and Rs 15 at the end of the 7th. of equity shares of Rs 10 each for cash at a premium of Rs 140 per share of which the following were reserved for allotment (i) 1. were offered for public subscription.000 shares to promoters. the Company has raised Rs.000 shares reserved for allotment on a preferential basis to employees (only 34. 1993 During February. 8th and 9th year respectively from the date of allotment of the debentures.000 shares to NRIs were reserved on non-repatriation basis (all were taken up). The Company issued through a Prospectus 44. Additional 13.000 No. directors. Of the remaining 50. the Company issued 69.500 Rights equity shares of Rs 10 each at a premium of Rs 15 per share in proportion 1:1 (all were taken-up). Balance 36. (ii) 25.Summer Training Project Report convertible portion of Rs 45 of each debenture would be redeemed at par in three equal installments of Rs 15. their relatives etc. At the 8th Annual General Meeting held on 28th September the Company has reserved Page 18 of 110 Tripti Mishra .

22. of equity shares of Rs 10 each for cash to be allotted at such issue price as may be decided by the board to Foreign Institutional Investors and/or.65. 183.2001 with an option for early redemption up to a maximum of 5% of the issue amount every year. Unsubscribed portion of 90 debentures issued to the public.3. 11. The Company has received the approval of Securities and Exchange Board of India (SEBI) for setting up a Mutual Fund. These are redeemable at par on 7. The Company's newly set up Corporate Advisory Services Group received several mandates for advice on mergers and acquisitions and re-structuring and some have already been executed with success.500 Rights equity shares issued in prop. 1994 The Company entered into a Memorandum of Understanding with KB Currency Advisors Inc.17% Secured Redeemable Non-convertible Debenture of Rs 2500 each including 96000 . of equity shares forfeited. Bodies and/or individuals and/or Groups of Individuals. 1995 The Company issued 4.000 No. Page 19 of 110 Tripti Mishra . USA to market their Foreign Exchange Fund Management programme. Companies.Summer Training Project Report 61.16% NCDs reserved for NRIs/URB (only 9510 taken- up). 1:1. Foreign and/or Indian Pension and/or Mutual and/or other Funds and/or Institutions.00.000 . Banks.800 No.

a subsidiary of Ford Motor Credit Co. a company formed for providing comprehensive value added information to business and general users. one of the largest American Insurance firms. sluggishness in the capital markets and the overall deceleration of economic growth. Hamko Financial Services Ltd.S. The Company has divested its entire holding of 20. U. It was proposed to finance all non Ford Passenger cars..000 ordinary shares of US $ 1 each of Kotak Mahindra International Ltd.00.00.070 No.A. an offshore company and Kotak Mahindra Page 20 of 110 Tripti Mishra . Kotak Mahindra Securities Ltd... Matrix is a wholly owned subsidiary of the company. USA. New Jersey. of equity shares of Rs 10 each of Kotak Mahindra Securities Ltd.. provides of broking services to institutional and corporate clients. The Company has entered into a MOU with the Chubb Corporation.Summer Training Project Report The Company entered into a joint venture agreement with Ford Credit International Inc. (KMSL) and 20. to develop a Joint Venture dedicated to the conduct of causality and property insurance business in India. (Matrix). Kotak. The Company has invested a sum of about Rs 200 lakhs in Matrix Information Services private Ltd. scarcity of resources. 1996 The Company's operations were affected by the liquidity crunch. (FCI). Kotak Mahindra Capital company became a subsidiary of the Company.. Mahindra Asset Management Company. Kotak Mahindra International Ltd.

are all subsidiaries of the Company.. The company has diversified into various activities for which it has set up subsidiaries including broking.100 crores in January. The Company's public issue of 400000 16-17% Secured Redeemable Non-Convertible Debentures of Rs. is a joint venture with Goldman Sachs. 1998 Kotak Mahindra Asset Management Company Limited (KMAMCL) launched its mutual fund schemes in December. capital market activities. Kotak Mahindra Finance has launched a new consumer finance product called Kotak Mahindra K-Value.2500 each for cash at par aggregating Rs. has decided to venture into health insurance business.Summer Training Project Report (UK) Ltd. etc. 1997 In recognition of the Company's prudent funds management. Hamko is a 100 per cent subsidiary of KMFL and investment in it was structured to avoid limitations of Section 372 under the Companies Act. auto finance.35000 lakhs. CRISIL has assigned a rating of AA+ to the Company's public issue of Non-Convertible Debentures and P1+ for all short term borrowings upto Rs. Kotak Mahindra Finance. Page 21 of 110 Tripti Mishra . Kotak Mahindra Finance Ltd. The Company it would launch its mutual fund with two schemes KGilt Unit Scheme and K30 Unit Scheme.

The Company has decided to set up a venture capital fund with an initial corpus of Rs. 100 crore.82.. KMFL has set up a new asset reconstruction division to offer recovery management services to players in the financial services industry.000 to the Equity Shareholders of the Company on Rights basis in the ratio of one equity share for every our equity shares held on 15th February. Page 22 of 110 Tripti Mishra .Summer Training Project Report 1999 The `FAA' (pronounced `F double A') rating assigned to the fixed deposit programme of Ford Credit Kotak Mahindra (FCKM) has been reaffirmed. 10 each by Kotak Mahindra Trustee Company Limited (KMTCL) on 12th May. With the allotment to the Company of 50. 2000 Kotak Mahindra Finance Ltd (KMFL) and Chubb Corporation of the US have decided to call off their joint venture for entering the general insurance business in India. Sheth has resigned effective from May 8. Mr. 90/.000 equity shares of Rs. has launched electronic broking services for retail investors.per share aggregating Rs. Kotak Securities an affiliate of Kotak Mahindra Finance Ltd. K.50. 91.K.500 No. of Equity Shares of Rs.82. 10/.each for cash at a premium of Rs. The Company Issue of 91.

OM Kotak Mahindra Life Insurance Company. The Company proposes to make the necessary applications to the RBI and the Insurance Regulatory and Development Authority for entering the life insurance business. The Company has proposed to start-up capital of Rs 150 crore in its life insurance joint venture with Old Mutual. Fitch India has assigned a rating of Ind AAA to the Rs 51-crore medium term borrowing program of Kotak Mahindra Finnance Ltd for high credit quality and negligible risk factor. in its convenient store venture In & Out. The Bharath Petroleum Corporation Ltd (BPCL) has decided to part ways with Kotak Mahindra. Kotak Mahindra Finance Ltd has been assigned Ind AAA rating (indicating highest credit quality) for its Rs. the UK based financial services group.Summer Training Project Report Kotak Mahindra Finance is in talks with foreign insurers for a joint venture in the life insurance business. 2001 The Company recommended a swap ratio of 25 shares of KMFL for every share of Pannier Trading which has a 75 per cent equity stake in Kotak Securities.510 million medium term borrowing programme. the recently formed joint venture company of Kotak Mahindra Finance and Old Mutual Plc has filed ts application for approva of life insurance license on 1st September. one of the leading domestic financial services company. 2002 Page 23 of 110 Tripti Mishra .

89cr .104. Page 24 of 110 Tripti Mishra .Uday Kotak has been appointed as the Executive Vice Chairman and Managing Director of the company. Business Standard and Business Standard digital have ceased to be the subsidiaries of Kotak Mahindra Finance Ltd. 250cr. Kotak Mahindra Finance Ltd has mobilised Rs.Summer Training Project Report KMFL's business has seen a fast growth with the total disbursement of commercial vehicle loan of the company in the last fiscal was tuned to Rs. KMFL informed BSE the FITCH ratings assigned: Fixed Deposit Programme . Mr Uday Kotak says. KMFL has raised 76. Ind AAA Mr.Ajay Sondhi has been appointed as the Additional Director of Kotak Mahindra Finance Ltd. CRISIL has assigned 'AAA(SO)' rating for Rs. asset-backed securitisation of commercial vehicle receivables.83cr securitization Programme of Kotak Mahindra Finance Ltd. Mr. thereby becoming the first ever non-banking finance company converted into a bank.Ind AAA Non-Convertible Debenture . Kotal Mahindra Finance Company has shortlisted i-flex solutions 'Flexicube' and 'Infosys'. there won't be any frsh capital infusion in the bank in the near future. 'Finnacle' for its core banking solutions. RBI has given in-principle approval to Kotak Mahindra Finance Ltd to convert itself into a bank.22cr by selling securitised commercial vehicle loans to investors.

Kotak Mahindra Bank has received a lot of interest from portfolio investors. Page 25 of 110 Tripti Mishra . Dipak Gupta are appointed as whole time Directors on the Board of Kotak Mahindra Finance Ltd.10 each has been approved by the company shareholders. O & M has got the creative account of Kotak Mahindra Bank. RBI has granted licence to Kotak Mahindra Finance Ltd to embark on its banking business. 2003 Madison Communications has won the Rs.00.C Jayaram and Mr.Shankar Acharya has been appointed as the Additional Director to the board of the bank.30cr Kotak Mahindra's media AOR account.00.000 equity shares of Rs. Dr. which would allow KMB's customer free access to around 800 ATM's.Summer Training Project Report Mr.00.000 divided into 10. Kotak Mahindra Bank has entered into an ATM sharing agreement with UTI Bank. The proposal of changing the name from 'Kotak Mahindra Finance Ltd' to 'Kotak Mahindra Bank Ltd' and the proposal to change the Authorised capital from 100. private equity investors and potential strategic investors. Kotak Mahindra Bank has started its operations in New Delhi by inaugurating a branch Connaught place office. and has said to be working professionally.00.

e. PCC a subsidiary of Kotak Mahindra Capital Company has constituted itself from a private company to a public limited co. Kotak Mahindra Bank launches online remittance services called.S. Kotak Mahindra bank has unveiled several home finance products options which includes Home loan. 2004 Kotak Mahindra Bank Limited has informed that the Bank's equity shares will be delisted from The Stock Exchange.f December 10. Home equity Loan. Home loan transfer and Home improvement loans.A. In response to the repo rate cut by the RBI.A Pinto and Mr.Summer Training Project Report The Board of Kotak Mahindra Bank Ltd accepts the resignation of Mr. 2003. Kotak Mahindra Bank sets up branch in Surat Kotak Mahindra Mutual Fund has launched Kotak Opportunities.M.R Punja as the Directors of the Bank. Kotak Mahindra Bank Limited has informed that the equity shares of the Bank have been delisted from the Delhi Stock Exchange Association Ltd w. Ahmedabad with effect from January 20. and has changed its name to 'Global Investment Opportunities Fund Ltd'. FUNDS to HOME for Non-resident Indians. Kotak Mahindra Investment Co Ltd. the Kotak Mahindra Bank has reduced its lending rates in home loans. an open-ended equity growth scheme Kotak Mahindra Bank inks pact with Reuters Page 26 of 110 Tripti Mishra . 2004.

Kotak Mahindra to buy out Goldman Sachs' stake in JVs Kotak Mahindra Bank sets up branch in Valsad Kotak Mahindra subsidiary acquires Ford Credit's auto portfolio.comKotak Mahindra Bank invests Rs 25 cr in BFW Kotak Mahindra Bank has given the Bonus in the Ratio of 3:2.000 crKotak Bank join hands with IndianNGOs.Summer Training Project Report 2005 Kotak Mahindra Bank purchases stressed assets worth Rs 1. 2007 Kotak Mahindra Bank Launches Home Banking.com. Improves Banking Experience Kotak Mahindra Bank Launches Salary 2 Wealth Kotak Mahindra Bank Launches Kotak Gold Debit Card Kotak Mahindra Bank Ties up with Taxshax. 2006 Kotak Mahindra joins hand HDFC Bank to share ATMs. Simplifies Filing of IT Returns. 2008 Page 27 of 110 Tripti Mishra .

a new product offering for individual customers which provides them the power of instant liquidity. 2012 Kotak Mahindra Bank has implemented the advanced core banking platform Finagle 10 Page 28 of 110 Tripti Mishra . Kotak Mahindra Bank (KMB) has introduced Stock Ace. 2009 Kotak entered into tie up with Russia's top investment bank Kotak Mahindra Bank Wins IT Team of the Year for 3rd Consecutive Time at the Banking Technology Awards 2008 2010 Kotak Mahindra Bank has launched a credit card called Kotak Trump Card that offers 10% cash back on dining as well as movie and play spends.Summer Training Project Report Kotak Mahindra Bank launched credit cards for its customers. 2011 Kotak Bank opens 300th branch Kotak Mahindra Bank launches interbank mobile payment service. Company has splits its Face value of Shares from Rs 10 to Rs 1.

Page 29 of 110 Tripti Mishra .Summer Training Project Report universal solution across 355 bank branches in association with the IT bellwether Infosys. 2014 Kotak Mahindra Bank launches Jifi . 2013 Kotak Mahindra Bank acquires the business loans portfolio of Barclays India -Kotak Mahindra Bank launches Kotak Presidium with President Bill Clinton -Kotak Mahindra Bank bags Celent Model Bank Award for its Core Banking implementation -Kotak Mahindra Bank announces 'Onam Bonanza' for new NRI Customers -Kotak Mahindra Bank's mobile banking app among world's best in 2013 Mobile Excellence Awards - Kotak Mahindra Bank launches Kotak Multi Currency World Travel Card.World’s First Bank Agnostic Instant Funds Transfer Platform Using Facebook -Kotak Mahindra Bank Becomes India’s First BFSI Company To Win Prestigious Efma Awards -Kotak Mahindra Bank and ING Vysya Bank Announce Merger -Kotak Mahindra Bank Launches ‘Grand’ .Savings Bank Account for 55+.a first of its kind fully integrated social bank account -Kotak Mahindra Bank exclusively sets up 24 ATMs at Mumbai Metro One stations -Kotak Wealth launches 'Top of the Pyramid 2014' -Kotak Mahindra Bank Launches KayPay .

Page 30 of 110 Tripti Mishra .Summer Training Project Report 2015 Kotak Mahindra Bank Ltd has informed BSE that Reserve Bank of India has approved the scheme of amalgamation of ING Vysya Bank Limited with Kotak Mahindra Bank Limited -Kotak Mahindra Bank launched Jifi Saver.8 pct stake in Diamond Power Infrastructure Ltd - Kotak Mahindra Bank Launches International Banking Unit in GIFT City -Kotak Mahindra Bank gains over 3% on RBI nod to CPPIB proposal -ING sells 2.5% stake in Kotak Mahindra Bank for Rs 3. Kotak Mahindra General Insurance Company Ltd -Kotak General Insurance gets IRDAI nod to commence biz -Kotak Mahindra Bank has given Bonus shares in the ratio of 1:1 2016 Kotak Mahindra Bank arm buys 6. a social savings bank account -Kotak Mahindra Bank and ING Bank Sign MoU for Cross Border Business -Kotak Mahindra Bank unveils offline mobile banking app -Kotak Mahindra Bank acquires 100 per cent subsidiary.653 crores.

Banks .Summer Training Project Report COMPANY BACKGROUND Industry Name: Finance .Private Sector Face Value: 5.0 House Name: Kotak Mahindra Group ISIN: INE237A01028 Incorporation Date: 21/11/1985 Market Lot: 1 Page 31 of 110 Tripti Mishra .

Summer Training Project Report AWARDS AND RECOGNITION 1. Awards 2014. Best Research as Research Showcase Partner at Research Bytes IC 7. Broker of the Year (India) .The Asian Banker's Financial Markets Business Achievement 2014 Awards. 5. 2. Page 32 of 110 Tripti Mishra . Finance Asia Country Awards for Achievement 2014. Kotak Securities' internal magazine 'Our Pulse' won the 'Best Magazine among Banks' award by the ICE Awards 2014. Finance Asia Country Awards for Achievement 2015 & 2014. Best Broker in India. 4. 8. 6. Interactive Digital Media Association Award 2016. Best Broker in India. 3. Digital Crest Award 2016.

2008. 2013. 2009. Equity Broker (National). 2007 & 2006. Depository Participant of the year by BSE IPF . Best Broker in India by Finance Asia for 2012. UTI MF . 11. 2012. Fastest growing Equity Broking House by BSE IPF . 2013. 14. 2012. Overall best Equity Broking House by BSE IPF .CNBC TV18 Financial Advisor Awards .D&B Equity Broking Awards. 18.D&B Equity Broking Awards.D&B Equity 13. 15. The Best Equity House in India by Finance Asia for the year.Best Performing 17. 2013. 16. Best Brokerage Firm in India by Asia money in 2009. Page 33 of 110 Tripti Mishra . 2010 & 2009.Summer Training Project Report 9. 12. 10. Broking Awards for the year. Top Performer in New Accounts Opened (Non-Bank Category) – NSDL Star Performers Award.

25.Summer Training Project Report 19. 23. Best Performing Equity Broker in India by CNBC Financial Advisor Awards for 2008. 20. Best Equity House in India by Finance Asia for the year 2004. Best Equities House in India by Euromoney Award for the year 2005. 22. The Leading Equity house in India in Thomson Extel Surveys Award for the year 2007. Avaya Customer Responsiveness Award for 2007 & 2206 in the Financial Services Sector. Best Broker in India by Finance Asia for the year 2005. 24. 21. Best Provider of Portfolio Management: Equities by Euromoney for 2007 & 2006. Page 34 of 110 Tripti Mishra .

especially in a dynamic and fast paced world like securities trading. fun-loving and nurturing environment that they have consciously cultivated makes work truly joyful. After all. the work that we do goes to provide for our near and dear ones.  Team work: . They realize that happy employees are Page 35 of 110 Tripti Mishra . They enshrine team work as a key principle and expect employees from across functional groups to come together as a single team –Team Kotak.  Work life balance: -Family and friends are never far from one's mind even if we may be at work. The love and passion that they have for their work at Kotak Securities. shines through in everything that they do. and rightly so. They open.Summer Training Project Report WORK CULTURE OF ORGANIZATION As a member of the Kotak Mahindra Bank team.No man is an island. you will have ample opportunities to prove your mettle and will receive unstinting support from the organization to go ahead and do so.

it is even more important to ensure that we maintain a learning environment. Every employee is encouraged to brush up on their skills. contests and talent shows. attend training programs and get coached in areas that they feel need help.  Learn while you work: -While it is important to achieve targets.Summer Training Project Report productive employees 3and hence strongly encourage all employees to strike a work life balance.All work and no play is not our style. Our employees are a fun loving bunch who regularly organize activities and events. participate in sporting tournaments. To keep pace with the dynamic pace of the environment in which we operate.Information flows freely and opinions and voices areheard without prejudice across the length and breadth of the organization.  Open Door Policy: . celebrate festivals and so much more all year round.  Fun and Games: .  Flat hierarchy: -Endless levels of hierarchy can be daunting for any employee who hopes to carve a growth trail in the organization. Page 36 of 110 Tripti Mishra . Kotak Securities has an extremely flat organizational hierarchy.

They are grateful for the efforts they put in to propel the organization to the top of the heap.  Global standards of professionalism: -They have a footprint across 4 continents and they ensure that every customer they serve anywhere on the planet receives the same professional service that our Indian customers have come to expect of them. and recognize the achievements of their team members through formal and informal channels. Page 37 of 110 Tripti Mishra .An Indian-born success story.  Indian values: . service before self and treating the customer as king are part of their DNA. Kotak Securities is deeply rooted to Indian culture. The values of brotherhood.Summer Training Project Report  Recognition: -They know that their employees are the lifeblood of their organization.

Summer Training Project Report HOLDINGS OF KOTAK MAHINDRA GROUP Page 38 of 110 Tripti Mishra .

CEO ↓ COUNTRY HEAD ↓ REGIONAL REGIONAL HEAD HEAD Page 39 of 110 Tripti Mishra . In which various stages are included and by joining this stages their hierarchy gets completed. through this flow chart diagram you can understand their organization structure. So.Summer Training Project Report CHAPTER:2 ORGANIZATIONAL STRUCTURE &HIERARCHY OF THE ORGANIZATION Organizational structure: There hierarchy starts with a long chain.

Summer Training Project Report ↓ STATE STATE HEAD HEAD ↓ CLUSTER CLUSTER HEAD HEAD ↓ BRANCH HEAD ↓ RELATIONSHIP MANAGER Page 40 of 110 Tripti Mishra .

Elizabeth Venkataraman  Sr. Subhashish Ghosh  Financial Institution Groups  Mr. Pankaj Desai  Executive Manger  Mr. Suresh Agarwal  Head of alternate Channel  Mr.Uday Kotak  CEO of Company  Mr.Sugata Dutta  Head Human Resource  Ms. G. Gaurang Shah  Managing Director  Mr. Vice President  Mr. Muralidharz  Chief Operating officer  Mr.Summer Training Project Report Hirarchy of Kotak Mahindra Bank  Mr. Shekhar Bandhan  Head of tied channel  Mr. Andrew Cartwright  Appointed Actuary  Mr. Anand Dewan  Head management development and training Page 41 of 110 Tripti Mishra .

and represents the funds that a customer has entrusted to the financial institution and from which the customer can make withdrawals. a current account. Loans: The principal is the amount you borrowed. a credit card account. Page 42 of 110 Tripti Mishra . or any other type of account offered by a financial institution. they have to offset that risk by charging a fee . known as interest. and the interest is the amount charged for receiving the loan. Since lenders are taking a risk that you may not repay the loan. Two main types of bank cards are credit cards (which allow drawing of funds up to an approved credit limit) and debit cards (which allow drawing of funds up to the available balance in cardholder's account). Loans typically are secured or unsecured. Deposits: A time deposit is an interest-bearing deposit held by a bank or financial institution for a fixed term whereby the depositor can withdraw the funds only after giving notice Cards: Bank-issued plastic card with a magnetic stripe that holds machine readable identification code.Summer Training Project Report CHAPTER:3 FUNCTIONAL AREAS Accounts: A bank account can be a deposit account.

Summer Training Project Report Insurance: A guarantee by the Federal Deposit Insurance Corporation (FDIC) of deposits in a bank. Trading: profit made from buying and selling securities. Page 43 of 110 Tripti Mishra . arranging financing for clients from other parties. keeping money available for clients. The Bank Insurance Fund is the federal fund used to insure bank deposits of national and state banks. that are members of the Federal Reserve System. and research. Investment: Investment banks get their income from the following sources: Fees: charged for advice. providing finance. investment services. trading services.

Priority Banking Services through Privy League 3. NRI Banking 2. has a considerable national presence with 1.Summer Training Project Report CHAPTER:4 FINANCIAL PRODUCTS IN KOTAK MAHINDRA BANK Kotak Mahindra Bank Kotak Mahindra Bank received a fully commercial banking license in February 2003 and thus becoming the first non-banking finance company to be converted into a bank in India. Products & Services Kotak Mahindra Bank is known for its specialized crafted products to cater different customer bases. Currently.034 ATMs. Wholesale Banking Services Page 44 of 110 Tripti Mishra . Wealth Management Services 4. Kotak Mahindra Bank Ltd.333 branches in 674 locations and a network of 2. The bank primarily deals in: Personal Banking 1. SME Products 5.

Summer Training Project Report Personal Banking Under its Personal Banking segment. The saving accounts by Kotak Mahindra Bank are designed to meet the expectation of customers from various economic backgrounds such as basic saving account. Loan Products. children accounts and senior citizens accounts. The features are as follows: Page 45 of 110 Tripti Mishra . Kotak Mahindra Bank Savings account Kotak Mahindra Bank tenders a comprehensive range of Savings Bank Account options to meet the banking needs of individual customers. Kotak Mahindra bank offers Accounts & Deposits products. Alpha Savings Account –A first-rate savings account is loaded with manifold benefits such as higher interest rate. Investments & Insurance & Agri-Banking Solutions. investment & insurance services. premium account. Saving Account Varients:- 1. Cards Services.

2. etc. etc. o The benefits include waiver on annual maintenance fee for the Investment Account and concession on the locker rentals. o Freebies such as a lassic Debit Card or Platinum Debit Card. Page 46 of 110 Tripti Mishra . RTGS /NEFT/ IMPS. 300. locker rentals.Summer Training Project Report o One can open Alpha savings account with a bare minimum deposit of INR 2000 in a Recurring Deposit or as SIP in Mutual Fund or even the National Pension Scheme. Insta Balance Services. o The minimum term should be 36 months that can go upto 3 years. cheque and draft delivery. o Home Banking Facility includes services such as free cheque pick-up. health check-ups. o An inbuilt overdraft limit of 85% on the deposit amount linked to the account. o Loads of discounted features such as Travel Card. cash delivery services. o The account comes with an integrated insurance protection of INR 20 lakhs on a monthly premium for Rs. net banking access. Hash-tag Banking. and more. The account has one of its kind ‘Active Money’ feature which converts any surplus fund in the account to a term deposit account and yields better rate of interest. Kotak My Family Account –This saving account is a group account which covers the whole family under one umbrella.

10.1 lakh per month. Mobile Banking. RTGS / NEFT / IMPS facilities. o The benefit in the account includes free international debit card & doorstep banking services. Jifi Saver account –A new generation savings account with digital access and simplified banking norms.Summer Training Project Report 3. Instant Balance Services. o Other free services offered in this account are demand drafts. various discounted services such as waived locker charges and the complimentary gift card is also included in the account 4. Page 47 of 110 Tripti Mishra . The benefits in the account include: o Free JIFI Debit Card o Rewards & Loyalty Club Membership o Net Banking access. o The average balance required is Rs. etc. Hash-tag Banking. Platina Savings Account – This is a high end saving account loaded with eye- catching features & benefits. payable at par cheque book. o Apart from the above mentioned features. The minimum average balance required in JIFI account is Rs.000.

5 lakhs and cash withdrawal limit is upto Rs. o First Aid card & Health Card issued from IHO at zero extra cost.000. Samman Savings Account – This saving account is as a part of Kotak Mahindra’s commitment to financial inclusion in India especially the rural areas. The account has a requirement for a minimal average balance of Rs. Grand Savings account –Kotak Grand Account is meant for resident individuals in the age group 55 years and above.5 lakhs and cash withdrawal is up to Rs. o The daily spending limit using debit card is Rs. 6.1. o The account is offered to any resident individuals and the HUFs as well. o The daily spend limit using debit card is Rs.Summer Training Project Report o ‘Active Money’ feature which converts any surplus fund in the account to a term deposit account and yields better rate of interest.50. o Customized cash delivery for those who can’t visit the branch. Page 48 of 110 Tripti Mishra . 2000. Other features in the account includes free ATM cash withdrawals from any Kotak Mahindra ATM.1.000. 5. The features of this account includes: o Specialized senior citizen services.50.

o Various rewards point scheme on every single penny spend. 8. The benefits of Ace Savings Account includes: o Free chip-based Platinum International Debit Card & doorstep banking services such as free demand draft delivery. Ace Savings Account –. 7. phone banking and online banking facility. o Free fund transfer facility.Summer Training Project Report o The account is offered to any resident Individuals and the HUFs as well. Page 49 of 110 Tripti Mishra . o Active Money features which convert any surplus fund in the account to a term deposit account and yields better rate of interest. etc. o State of the art net banking & mobile banking facility. The benefits in account include: o Free Classic Debit Card & Five free transactions on VISA ATMs every month. Hash-tag Banking. o Loyalty Club Membership. o Net Banking access. Kotak Edge Account – This is a regular saving account loaded with various benefits to meet the day to day banking requirement of a common individual. Mobile Banking. 000 per month.10. Insta Balance Services. using the Platinum Debit Card. The minimum balance to be maintained is Rs.

000.Summer Training Project Report o The account is offered to any Resident individual. HUFs or foreign nationals residing in India. Kotak Pro Savings Account – A saving account designed for the working professionals and their various banking needs with improved benefits. Page 50 of 110 Tripti Mishra . HUFs or foreign nationals residing in India. 10. Kotak Classic Savings Account – An extension of pro saving account. o Also. 9. & net banking facility. o The account is offered to any resident individual. The benefits in this account includes free chip based Platinum Debit Card. The average monthly balance to be maintained is Rs. NEFT /RTGS option. Kotak Classic Savings Account comes with the feature of free chip-based classic debit card. Phone Banking. NEFT /RTGS option. & Net Banking facility. the customer is provided with the option of doorstep banking services such as cash.20. phone banking. cheque or demand draft pick-up or delivery. o ‘Active Money’ Feature.20.000. o The average balance per month required is Rs.

o The account is offered to any resident individual.000. The account comes with the benefits such as free classic debit card with free 5 access at any VISA ATMs.Summer Training Project Report o The account is offered to any resident individual. HUFs or Foreign Nationals residing in India. 11. HUFs or foreign nationals residing in India. Apart from the features of a regular saving account. Nova Savings Account – Nova saving account is intended to cater the needs of the individual from a less privileged segment of the society. o Option to choose Active Money features. Page 51 of 110 Tripti Mishra . Kotak Silk Account – The Silk Account offered by Kotak Mahindra Bank is crafted especially for the women. The average balance requirement per month is Rs. the striking features of silk account are: o Attractive rewards scheme on debit card transactions such as free movie tickets and cash back offers o Online Bill payment option through ‘Bill Pay’ feature.5. 12.

The uniqueness of this account is the option to open either as bundled account with parents or guardian or even a separate account.  Kotak Recurring Deposit – A monthly deposit scheme wherein customers can deposit amount in monthly installments for a pre-determined period.  Kotak Senior Citizens Deposit – A term deposit plan especially for the senior citizens beyond the age of 60 years with the preferential interest rate.000 and term from 7 days to 10 years. The account comes loaded with various benefits such as complimentary movie tickets & gift vouchers.  Kotak Regular Term Deposits – A traditional term deposit plan with a minimum investment amount being RS.Summer Training Project Report 13. Page 52 of 110 Tripti Mishra . The kid is offered a custom-made Junior Debit Card to induct the habit of savings and better understanding the value for money. Kotak Mahidra Bank Fixed Depsit Accounts Types of Fixed Deposits  Kotak Tax Saving Deposits –A term deposit scheme meant for saving tax under Section 80C of the Income Tax Act.10.  Kotak Ace Deposit Scheme– A special deposit plan which yields better returns through investments in Mutual Funds. Kotak Junior saving account – The Kotak Junior account is meant for the children aged below 18 years.

Various products under its Investment and insurance schemes are:  Pradhan Mantri Bima Yojana  Sovereign Gold Bond Scheme  Atal Pension Yojana (APY)  Other Life Insurance Schemes  Mutual Funds  Demat Account  National Pension System Investment tools offered by Kotak Mahindra Bank  Be a Crorepati. through its rich experience and expertise in investment & insurance services has crafted products which not only creates wealth for you.Summer Training Project Report Kotak Mahindra Bank Investments & Insurance Services Kotak Mahindra Bank. the investor can know the size of his investment kitty in SIP as per his own financial profiling. but protects them for such a time when one needs them most.An easy online calculator to know how much return one can get by investing through SIP.  Online SIP Calculator. 1crore.Through the SIP calculator.  Kotak SIP-O-Meter. Page 53 of 110 Tripti Mishra .An easy online tool to calculate and derive at an approximate amount which should be invested so as to earn Rs.

 Home Loans – . Remittances from Exchange House. Apart from NRI savings and term deposit accounts. Two variants available for NRI customers are – NRI Home Loan. Life Insurance. Demat Account & Page 54 of 110 Tripti Mishra . NRI credit Cards & Best Compliments Cards. Various options available to transfer money through these options are Click2Remit. Kotak Mahindra bank offers:  Transfer Money.This is a planning tool which helps an individual to know the amount to invest in order to achieve all long term goals in life. Kotak Mahindra Bank offers Mutual Funds. Wire Transfer Cheque & Demand Draft.  NRI Investments & Insurance Products.An option to remit your money through various modes without the hassle of visiting branch.Summer Training Project Report  Kotak Life Goal Planner. To meet the requirement for a NRI customer who wishes to purchase/renovate their property in India. NRI Home Improvement Loans  NRI Cards – A bunch of various cards ranging from NRI debit card. National Pension System.

Summer Training Project Report Portfolio Investments Schemes for its NRI customers.  Mobile Banking  Phone Banking  Net Banking  SMS Banking  Kotak Payment Gateway  P O Box Services  Cash Deposit Machine at ATMs  Cheque Deposit Kiosk (CDK) Kotak Mahindra Priority Banking Services. Privy league service aims to understand the Page 55 of 110 Tripti Mishra . the bank proffers multitude options to access and transact NRI account. Be it individual investors or any small and medium enterprises customer.  Convenience Banking for NRI customer -To ease out the hassle for visiting branch.Privy League Kotak Mahindra Bank’s Privy League is an elite banking service crafted to assist the customer who wants to meet their banking and investment objectives. A dedicated workforce of expert and rich in experience staff ensures that no stone is left unturned in offering supreme banking services to those who crave for it.

In this. credit solutions & equity market  Convenience banking to make banking a fun experience with ease and expediency to operate the account from anywhere  Signature Credit and Debit Cards to give you an unequaled experience  Smart Credit Solutions to manage finances in order to realize every dream Page 56 of 110 Tripti Mishra . Privy league is broadly offered in three categories 1. Business 3. Listed below are the features a customer gets with this account:  A smart suite of products that gives an extra edge in various products such as loans.Summer Training Project Report tinge of every financial situation and offers consummate banking experience. the wealth is not only generated but also grows with time. Personal 2. NRI Privy League Personal Banking  Privy League Savings Bank Account helps you meet your financial stratagem with a longer term investment solutions that gives you complete peace of mind.

Here are its features:  Transaction Banking Solutions to keep the momentum going in their business  Trade Solutions to achieve new prospect both domestically and globally  A wide assortment of forex solutions to meet every business requirement  Credit & Lending solutions to serve the capital requirements in the business when the customer needs them the most  Business Debit and Credit Cards to make operating the account a smooth affair Privy League NRI services  NRI Priority Services let the account holder enjoy all banking facilities while being at home. Here are its features:  Unmatched Lifestyle Privileges that offers a class apart experience. Preferential pricing on a wide range of products such as loans. credit cards etc.Summer Training Project Report Privy League Business Banking:- Privy League Current Account lets the customer focus on their business rather than just their finances. Page 57 of 110 Tripti Mishra .

Asset Advisory Services & Banking Solutions. This updates the privy league customers with the latest happenings in the world of lifestyle. build their portfolio.Summer Training Project Report Apart from the Privy league banking services. engage an advisor. avail family office services. etc. Here are its few offerings:  The daily transaction needs are routed through process-oriented models. Kotak Mahindra SME Banking services Page 58 of 110 Tripti Mishra . Kotak mahidra Bank Wealth Management Services The Services are well thought-out around the customer’s need to gather prospect for their wealth.  All time Support and value through a full spectrum of high-class banking products and services. be well acquainted with market-based research and execution. food & travel and much more.  The customer can know their asset classes. Kotak Mahindra Bank also offers Privy League Select services magazine.  A robust allocation of assets in the portfolio to match the idea of opulence.  Market-based tax and succession planning to ensure that the wealth is duly protected for future needs.  Various other services under Wealth Management services includes Transaction Services.

Kotak Mahindra Bank understands that credit is one critical aspect of continual growth for this sector. The various products offered by SME sector by Kotak Mahindra Bank are: i. ii. Summer Training Project Report Kotak Mahindra Bank understands & acknowledges the importance of SME sector in the Indian Economy. Cash & collection services ensure that customer should focus on their business rather than managing finance. Kotak Mahindra Bank’s SME products ensure that all the financial objectives are duly achieved through its product meant exclusively for SME sector. Various Loans products offered under the umbrella of Kotak Mahindra SME loans are:  K-Value  Tractor Finance Page 59 of 110 Tripti Mishra . Current Account – The Current Account offered to SME customers are integrated with all those aspects which ensure that any hurdle in operating the accounts should be mitigated in the first place. this sector has shown constant growth in the industrial sector. Currently. Loans & Overdraft Services –SME units are known to face a lot of financial constraints considering their life cycle and this has always hampered their growth adversely. The SME sector has been a driving force in hastening the economic growth of the country. To meet requirements of the working capital Kotak Mahindra Bank has designed various loans and overdraft products for its SME customers.

the need of working capital is utmost important. Working Capital – To keep the business going. The ever handy working capital solution from Kotak Mahindra Bank fuels the growth trajectory of SME clients. The variants of working capital solution are:  MSME/CGTMSE working capital funds  MSME working capital solution  Working Capital Finance  Channel Finance Other Value Added Services At Kotak Mahindra Bank Page 60 of 110 Tripti Mishra . Summer Training Project Report  Business Banking Solutions  Rural Auto & Farm Equipment Finance  Loan Against Property  Term Loans (Strategic Business Loans)  Facility Against Credit Card Receivables  Construction Equipment / Infrastructure Finance  Commercial Vehicle Finance  Unnati Auto Finance  Business Loans  Credit Access i.

Hash Tag Banking-Another great feature to access Kotak Mahindra bank account on twitter. SMS Banking. 6. Kotak Payment Gateway. Kotak Mahindra Bank brings a host of online services to transact from savings/current account . Page 61 of 110 Tripti Mishra . Instacheck Service-A 24X7 dedicated phone banking service for Corporate Salary Account holders to know their account balance & last three credit transactions of past 15 days.Summer Training Project Report To make banking more convenient and take away the hassle of visiting the branch. 1. 2.A one-stop online solution to shop. transfer money and pay utility bills in the most convenient manner. 3. Immediate Payment Service-This 24*7*365 day service lets the account holder transfer funds from their account instantly any time. 4. 5.Kotak Mahindra Bank brings its quick and easy SMS Banking service which is available 24X7 and enables the account holder to access their bank account on their mobile phone. Money Watch-The feature is available with net banking and sole Personal Finance Manager to access and manage all the banking services under a single umbrella.

Summer Training Project Report 7.A user-friendly app based service to access and operates the account/s on your Smartphone. 8. 12. Mobile Banking. 13. Cheque Deposit Kiosk (CDK) .A 24-hour dedicated contact centre offering personalized services round the clock to all the customers. The account holder can simply dial *99*68# code from their registered and follow further instruction to access their account. Android and Windows platforms. This service is available on the iOS. Phone Banking. 9.A self-service terminal which enables the account holder to deposit cash in their account without the hassle to visit a branch. SMS Alerts.A self-service terminal which enables account holder to deposit cheques in their account without the hassle to visit branch.A quick service to get the account balance through SMS instantly by calling their toll free number . Cash Deposit Machine.1800 274 0110 from the registered mobile number. Insta Balance Service. Unstructured Supplementary Service Data (USSD) -This service is for customers who doesn’t have either a smart phone with an internet connection or have an online access. Blackberry. Page 62 of 110 Tripti Mishra . 10.Regular SMS will be sent on the account holder’s registered mobile number to keep him/her updated with all that’s happening in their account. 11.

Summer Training Project Report  Car Loan  Credit Card  Debit Card  Education Loan  Fixed Deposits  Gold Loan  Home Loan  Loan Against Property  Personal Loan  Savings Account Page 63 of 110 Tripti Mishra .

 Design new product range for their customers of various segments.  Adapting to a changes environment in the market place.  Win more and more customers. Strategy of Expansion Merger With ING Vysya Page 64 of 110 Tripti Mishra . ore effectively and efficiently than the competitorkeeping in view the organizational objective.Summer Training Project Report CHAPTER:5 MARKETING STRATEGY Bank market is the aggregate of functions and directed at providing services to satisfy customers financial needs and wants.  Setting business development goal making plans to meet them.  Assessing the present and future needs of customers.  Managing various services and promoting them to achieve the plans.  Appropriate promise to customers  Identify the most profitable markets now and in future.

 This merger brings together two strong players in the industry to form a more robust and fundamentally sound bank. ING Vysya Bank has been a respected name in Indian banking. and global standards of service will enable us to deliver a truly seamless banking and financial services experience. will have a significant national footprint.  This merger couldn't have happened at a better time. Kotak Mahindra Group has built a comprehensive financial services conglomerate that truly serves all its customers' needs under the same roof.Summer Training Project Report  A historic moment in the Indian financial services sector. I am confident that the merger will firmly place us in a different orbit.  At the start of 2014 was to see a bigger. Further. proposed diversification into a Page 65 of 110 Tripti Mishra . it consolidates our position as the fourth largest private sector bank in India. with a sterling legacy spanning eight decades.  Our deep Indian roots. because never before has a merger of this magnitude ever taken place. affording it the capacity and means to serve even better. in less than 30 years. long and proven experience. Similarly. and on a new trajectory of leadership and excellence.000 colleagues becoming part of the Kotak .000 colleagues have worked hard to make this a reality and with another 10. bolder Kotak. It is a new chapter in India's growth story that is waiting to unfold. expansion of our presence in asset management through acquisition of schemes of Pine Bridge Mutual Fund. better. Over 29.  The merged entity – Kotak Mahindra Bank.  The other growth chapters that we added in the last financial year include our entry into general insurance space.

to create a Rupees Two Trillion institution. and it is important to ensure that our fundamentals are strong to make the most of the time ahead  The private sector banking space witnessed its first consolidation move in four years on Thursday with ING Vysya Bank and Kotak Mahindra Bank (KMB) announcing that they were merging in an all-stock deal.5 billion (about ₹15. At the cusp of a remarkable growth opportunity. the final guidelines for the setting up of niche banks — payment and small finance banks — are expected by this month end.  Under the share swap ratio approved by KMB’s board. after market hours. comes at a time when competition in the domestic banking space is set to hot up further with the Reserve Bank of India giving IDFC and Bandhan Financial Services in-principle approval to set up banks in the private sector. Page 66 of 110 Tripti Mishra .Summer Training Project Report payment bank. and investment in a commodity exchange.000 crore). ING Vysya’s shareholders will get 725 equity shares of ₹5 each of KMB for every 1. A phenomenal future for our country in the next decade.  It is India's time to fly.  The deal.  Both Mumbai-headquartered KMB and Bangalore-headquartered ING Vysya issued similar notices regarding the amalgamation to the stock exchanges.000 equity shares of ₹10 each that they hold. valued at $2.  Further.

161 crore.42. Uday S Kotak. while ING Vysya rose 7. As at September-end.07 per cent stake. will benefit from ING Vysya’s strong SME business. the combined entity had a business size (deposits plus advances) of ₹2.157. Executive Vice-Chairman & Managing Director. KMB shares ended the day 7. while the head count will swell by 10.590 to 39.28 per cent higher to close at ₹1.200. The ING Group will end up owning 6. KMB.  The branch network of the new entity will rise to over 1. which has established itself in the consumer and wholesale banking segments. Dutch financial services giant ING Group holds 42.20. the resulting entity will leapfrog YES Bank to become the fourth-largest private sector bank.811 employees. the promoter and the promoter group hold a 40.5 per cent.  Fourth-largest bank Once the amalgamation goes through.15 per cent to close at ₹814. the stock market got a whiff of the transaction and the share prices of both banks surged during the day.261 crore as against YES Bank’s ₹1.05.73 per cent in ING Vysya. Page 67 of 110 Tripti Mishra .  As of September-end 2014.  Earlier.13. L&T Financial Holdings was believed to have expressed interest in acquiring ING Vysya.Summer Training Project Report  However.71 per cent stake in the bank. Overall.  Kotak Mahindra Bank.  The merger will see the promoter and the promoter group’s shareholding in KMB getting pared to 34 per cent in the new banking entity. held a 39.

Page 68 of 110 Tripti Mishra . “We can leverage the ING Vysya’s strong presence in the South and SME banking business. ING sold the schemes of its mutual fund to Birla Sun Life Mutual Fund.Summer Training Project Report  Uday Kotak said ING has agreed to a one-year lock-in of shares in the post merger period. ING exited its life insurance joint venture with Exide by divesting its stake to the latter last year. We expect smooth integration in operations in 3-6 months. In India. We expect the merger to be closed by April 1.” said Kotak.  The ING Group has been trying to sell its global assets in the aftermath of the global financial crisis. 2015. In May.

 We provide easy accessible app that can run easily on every window &android.  Lengthy work process.  Fast application.Summer Training Project Report SWOT Analysis Strengths:-  We provide 6% interest which is more than any other branch.  Provide Virtual Card for Online Shopping.  Good Working Condition.  Transparent & Secure System.811 Account  We provide Mobile app.  Good compliance handling. Weakness: -  Big Client base but less work force.  We provide Mobile and Net Banking.  Friendly Environment. Opportunity: - Page 69 of 110 Tripti Mishra .  We provide Zero balance account.

 Educated customers. Threat: -  World Market.Summer Training Project Report  Better Economic condition. Page 70 of 110 Tripti Mishra .  Country’s Economic condition.  Lack of awareness among the general people.

Summer Training Project Report PART:B Page 71 of 110 Tripti Mishra .

reflecting our liking of a company's business activities. Page 72 of 110 Tripti Mishra . exceed or fall short of customers' expectations. The best customer satisfaction surveys measure how products and services supplied by a company meet. Customer satisfaction is a marketing term that measures how products or services supplied by a company meet or surpass a customer's expectation. Customer satisfaction is at the core of human experience.Summer Training Project Report CHAPTER 1 INTRODUCTION This research highlights that customer satisfaction for Kotak Mahindra bank products. Customer satisfaction is important because it provides marketers and business owners with a metric that they can use to manage and improve their businesses. Customer Satisfaction Research. It insight that measures can take under consideration to improve their service qualities.

Page 73 of 110 Tripti Mishra .Summer Training Project Report OBJECTIVE OF RESEARCH Primary Objective: To analyze the customer satisfaction level towards financial products of Kotak Mahindra Bank. Secondary Objective: To Know about awareness of Customers for Financial products of kotak Mahindra Bank.

This study examines the influence of perceived service quality on customer satisfaction. Customer satisfaction for organization is important because It’s a leading indicator of consumer repurchase intentions and loyalty and also a point of differentiation. Customer satisfaction reduces negative word of mouth and cheaper to retain customers than acquire new ones.Summer Training Project Report SCOPE Financial liberalization has led to intense competitive pressures and private banks dealing in retail banking are consequently directing their strategies towards increasing service quality level which fosters customer satisfaction through improved service quality. Page 74 of 110 Tripti Mishra . The study concludes that increase in service quality of the banks can satisfy and develop customer satisfaction which ultimately retains valued customers. It reduces customer churn and increases customer lifetime value.

Thus management will able to take necessary measures by paying more attention on the sectors which are outperforming and with this study they will come to know all the things customer want. Research design: I have used Descriptive Research Design in my study as I have describe all the type of financial products of Kotak Mahhindra Bank. the bank will be able to its present situation .  With help of study company will able to attract and build a large customers base they will able to know taste and preference of customers.Summer Training Project Report CHAPTER 2 RESEARCH METHODOLOGY Objective:  Primary Objective: To analyze the customer satisfaction level towards financial products of Kotak Mahindra Bank. Page 75 of 110 Tripti Mishra ..  Secondary Objective: To Know about awareness of Customers for Financial products of kotak Mahindra Bank. Importance of study:  By the help of this study.

which was mentioned. primary & secondary sources. It includes close ended questions. 2. while samples that are too small may lead to incorrect result. but most of being I had covered through my investor’s contacts. various houses and many others. Some of the were given to me by company staffs. Page 76 of 110 Tripti Mishra . which customers expressed while talking to me. Primary sources: - It has been collected by interacting with various persons. The sample size for this region has been taken 100. in the questionnaire and some vital additional information. The collected data from both the sources i. I adopted structured questionnaire method also and it helped both the purpose of getting the information.e. visiting different areas of Lucknow covering shopkeepers.Summer Training Project Report  Sample size:  Determine sample size is a major issue because sample is too large and waste of time. Questionnaire design: - The questionnaire contained 12questions helped me in collecting the relevant data for my project. resources and money.  Sources of data: - For finding the reason behind perception of potential investors.

Page 77 of 110 Tripti Mishra . I have telephonically interviewed because of lack of time.Summer Training Project Report 3. Interview scheduled: - I used to schedule interviews for the contacts being referred to me by office members and staffs. And rest of them were by personally visiting to them. For most of the contacts.

Do you have bank Account.Summer Training Project Report CHAPTER:3 DATA ANALYSIS AND INTERPRETATION Q1. ( ) Yes ( ) No Bank Account Yes 100 No 0 Bank Account YES NO 0% 100% Page 78 of 110 Tripti Mishra .

Page 79 of 110 Tripti Mishra .Summer Training Project Report As study suggest that 100% of the people who is contributed to survey has the bank account which helps us to find out the objective of the project.

How much are you aware of the products offered by Kotak Mahindra Bank? ( ) Very much ( ) Not aware ( ) Can’t Say Awareness of customers toward Kotak Mahindra bank services Very much 55 Not aware 44 Can’t say 1 The question tells that product awareness by the people for Kotak Bank . 55% of the people suggested that they know about Kotak Bank products very much while almost 44% of people either does not know about the products provided by company or they are not sure about that. Page 80 of 110 Tripti Mishra . focus of the study is to understand different products provided by Kotak Bank and being a customer of the bank they knew product offering or not.Summer Training Project Report Q2.

Almost 40 % customers were not aware services provided by bank.Summer Training Project Report Kotak Mahindra Bank Services awareness Very much aware Not Aware Can't say 1% 0% 44% 55% As per our study it is suggest that nearly 60% are aware of the service provided by Kotak Mahindra Bank. Page 81 of 110 Tripti Mishra .

Summer Training Project Report Q3. ( ) Excellent ( ) Good ( ) Satisfactory ( ) Poor ( ) Very Poor PERCENTAGES OF RESPONDENT Excellent Good Satisfactory Poor Very Poor 4% 8% 10% 18% 60% Almost 78% customers were happy with the kind of services provided by the bank to the customers which is good sign of bank. Page 82 of 110 Tripti Mishra . What do you feel about the quality of the services provided by Kotak Mahindra Bank. Adding to this almost 12% of customers were not happy with current services provided by customers.

Summer Training Project Report Q4. Are you aware of the types of the loan provide by the Kotak Mahindra Bank. Home loans Personal loans Commercial loans Loan against property ( ) YES ( ) NO ( ) Can’t say Yes No Can’t say Home loans 67 23 10 Personal loans 89 10 1 Commercial loans 69 30 1 Loan against property 59 30 11 100 89 90 80 67 69 70 59 60 50 40 30 30 30 23 20 10 10 11 10 1 1 0 Home loan Personal loan Commercial loan Loan against property Page 83 of 110 Tripti Mishra .

Summer Training Project Report This finding is based on product category which is provided by the Kotak Bank to the end consumer as loan facility. Page 84 of 110 Tripti Mishra . Almost 67 of people out of 100 aware about that Kotak Mahindra is providing home loan same manner almost 89% of the people are aware about Kotak bank also facilitate the personal loans to the end customer over all it is good sign for the new kotak bank to providing there loan services to the end customer.

in saving a/c 12 20% Feedback facilty 10 16. Increase branches 5.33% Advertise more 10 16. Advertise more Options Responses N Percentages Lessen a/c opening time 8 13. Bal. Lower min. Lessen a/c opening time 2.33% Lower min.Summer Training Project Report Q5. Feedback facility 4.66% 60 100% Page 85 of 110 Tripti Mishra .66% Increase Branches 20 33. 1. What are your recommendation for improvement in customer service. in saving a/c 3. Bal.

Page 86 of 110 Tripti Mishra . a/c Feedback Facility increase branches Advertise more 17% 13% 20% 33% 17% It is clear from above data that customer wants to more distribution channels and also feedback from them and also want service of lower minimum balance in saving account. a/c opn. Tm m.Summer Training Project Report Response les.in bal.

Page 87 of 110 Tripti Mishra .Summer Training Project Report Q.6 Do you know about personal banking ? ( ) Yes ( ) No Yes 84 NO 16 Sales 16 yes No 84 As study suggests that among whole sample 84 customers (84% of sample) knew about the personal banking and only 16 customers (16% of sample) were not aware about the personal banking.

Summer Training Project Report Q. It is clear in this study that customer prefer edge in personal banking because it is good for the perspective of common man.7 Which product do you use in Personal Banking? ( ) Edge ( ) Pro ( ) Nova ( ) Platina ( ) None Edge 48 Pro 10 Nova 13 Platina 22 None 7 60 50 48 40 30 22 20 13 10 10 7 0 Edge Pro Nova Platina None Study clarify that among overall sample 48 customers are using edge a/c. 7 customers were not using any personal banking products Page 88 of 110 Tripti Mishra . 13nova and 22 in personal banking. 10 pro.

Summer Training Project Report Q. 8 From which product you are more satisfied? ( ) Edge ( ) Pro ( ) Nova ( ) Platina ( ) None Edge 31 Nova 20 Pro 16 Platina 21 None 5 Sales 5 21 31 Edge Nova Pro 16 Platina 20 None Page 89 of 110 Tripti Mishra .

16 from Pro and 21 from Nova. 20customers are satisfied from Patina. 5 customers were satisfied from products of personal banking.Summer Training Project Report This study highlights that most of the customers (31) are satisfied with edge account services. Page 90 of 110 Tripti Mishra .

9 What is the factor which satisfying you: ( ) Interest ( ) Banking Services ( ) Product Varieties ( ) Other Interest 45 Banking services 27 Product varieties 10 other 18 Sales 18 45 10 Intersest Banking services Prduct varieties 27 Other Study clarify that most of the customers (45) of Kotak Mahindra bank were satisfied from bank’s interest plan and rest of the customers were satisfied from banking services.Summer Training Project Report Q. Page 91 of 110 Tripti Mishra . product varieties and from some other reasons.

10 Are you using “Kotak Mahindra Fixed Deposit Account”? ( ) Yes ( ) No Yes 53 No 47 Sales 47 53 Yes No In research found that only 53 customer were using fixed deposit a/c and 47 were not using fixed deposit a/c of Kotak Mahindra Bank. Page 92 of 110 Tripti Mishra .Summer Training Project Report Q.

Summer Training Project Report Q.11 If Yes from which product of “Kotak Mahindra Fixed Deposit Account” you are satisfied? ( ) Kotak Tax Saving Deposits ( ) Kotak Regular Term Deposits ( ) Kotak recurring Deposit ( ) Kotak Ace Deposit Scheme Kotak Tax Saving Deposits 16 Kotak Regular Term Deposits 9 Kotak recurring Deposit 10 Kotak Ace Deposit Scheme 18 Sales 16 18 Kotak Tax Saving Deposits Kotak Regular Term Deposits Kotak recurring Deposit Kotak Ace Deposit Scheme 9 10 Page 93 of 110 Tripti Mishra .

16 Kotak tax saving account. Page 94 of 110 Tripti Mishra .Summer Training Project Report Customers who were using fixed deposit account of kotak Mahindra bank among them 18 were using kotak Ace deposit. 10 Kotak recurring and 9 Kotak regular term deposit account.

Page 95 of 110 Tripti Mishra .12 Are you satisfied with products of Kotak Mahindra Bank? ( ) Yes ( ) No Yes 78 NO 22 90 80 70 60 50 40 78 30 20 10 22 0 Yes No Research highlights that 78 customers were satisfied among sample of 100 from the products from Kotak Mahindra Bank.Summer Training Project Report Q.

Summer Training Project Report CHAPTER:4 LIMITATIONS Although full efforts have been made in the study but the following limitations should be kept in the mind before making any conclusion: 1: Shortage of time. 3: More over our research depends on the behavior of the respondents. So it can also vary from person to person. which is not representative of the whole city. 2: The sample size is a limitation in this report as I only considered 100 investors. Page 96 of 110 Tripti Mishra .

 In personal banking most of the customers were satisfied from edge account. Page 97 of 110 Tripti Mishra .Summer Training Project Report FINDINGS  In this study found that more than half of sample were aware about the Kotak Products and among them have good feeling about the products of bank.  This research find out that customer wants that branches of bank should be increase.  Interest factor which influence customer to invest money in Kotak Mahindra Bank.  Fixed deposit account of kotak Mahindra bank were satisfied from Kotak Ace Deposit Scheme.  Customers who have account in bank most of them were satisfied from products of Kotak Mahindra Bank.  Above half of sample size were aware from fixed deposit account of Kotak Mahindra Bank.  In personal banking Edge A/c is popular among the customers of Kotak Mahindra Bank.

Page 98 of 110 Tripti Mishra . There are many reasons by which some customers are not much satisfied:  Lack of Knowledge  Deficiency of branches  Feedback  Not much advertisement People who are not satisfied with Products of Kotak Mahindra Bank. Some of the customer does not know about many type of financial products o Kotak Mahindra Bank and also do not know about polices o f Kotak Mahindra Bank.Summer Training Project Report CONCLUSION This study on customer satisfaction by Kotak Mahindra Bank products. Customers who know about the products of Kotak Mahindra Bank they want to invest more money in Bank and its main reason of it is 6% interest on money.

Kotak.ingvysyabank. Research Methodology.econmicstimes.org www. Kothari.wikipedia.Summer Training Project Report BIBLIOGRAPHY www.google.com http://en.com REFERENCES C.com www.R.com www.com www.businessline. “Sampling Techniques Page 99 of 110 Tripti Mishra .

Summer Training Project Report ANNEXURE Page 100 of 110 Tripti Mishra .

Summer Training Project Report QUESTIONNAIRE “A study on Financial Products In Kotak Mahindra Bank” (Personal details kept highly confidential: these details will not be revealed to any third party) Name: Designation: Contact Number: Age group: ( ) Below 20 ( ) Between 20-30 ( ) Between 30-40 ( ) Above 40 Qualification: ( ) Under Graduate ( ) Graduate ( ) Post graduate ( ) Other Occupation: ( ) Salaried ( ) Business ( ) Housewife ( ) Professional ( ) Retired Page 101 of 110 Tripti Mishra .

50. ( ) Yes ( ) No Q2.Summer Training Project Report ( ) Other _________________ Annual salary: ( ) Below 2. Do you have bank Account.000 ( ) Between 5.00. Are you aware of the types of the loan provide by the Kotak Mahindra Bank. How much are you aware of the services offered by Kotak Mahindra Bank? ( ) Very much ( ) Not aware ( ) Can’t Say Q3.000-5.000 ( ) Above 10.00. Home loans Personal loans Commercial loans Loan against property ( ) YES ( ) NO Page 102 of 110 Tripti Mishra . ( ) Excellent ( ) Good ( ) Satisfactory ( ) Poor ( ) Very Poor Q4.000-10.000 Q1.00.000 ( ) Between 2. What do you feel about the quality of the services provided by Kotak Mahindra Bank.00.50.

Summer Training Project Report

( ) Can’t say
Q5. What are your recommendation for improvement in customer service.
1. Lessen a/c opening time
2. Lower min. Bal. in saving a/c
3. Feedback facility
4. Increase branches
5. Advertise more
Q.6 Do you know about personal banking ?

( ) Yes

( ) No

Q.7 Which product do you use in Personal Banking?

( ) Edge ( ) Pro

( ) Nova ( ) Platina

( ) None

Q. 8 From Which product you are more satisfied?

( ) Edge ( ) Pro

( ) Nova ( ) Platina

( ) None

Q. 9 What is the factor which satisfying you:

( ) Interest

( ) Banking Services

( ) Product Varieties

( ) Other Reason (Please Specify) ___________

Q.10 Are you using “Kotak Mahindra Fixed Deposit Account”?

( ) Yes ( ) No

Page 103 of 110
Tripti Mishra

Summer Training Project Report

Q.11 If Yes from which product of “Kotak Mahindra Fixed Deposit Account” you
are satisfied?

( ) Kotak Tax Saving Deposits

( ) Kotak Regular Term Deposits

( ) Kotak recurring Deposit

( ) Kotak Ace Deposit Scheme

Q.12 Are you satisfied with products of Kotak Mahindra Bank?

( ) Yes

( ) No

Page 104 of 110
Tripti Mishra

Summer Training Project Report

SRMS College of Engineering. &
Technology

Faculty of Management Science
Guidelines for Summer Training Project
1. Summer Training Project duration will be from June 2017 to July 2017. (4-6 weeks).

2. The students are required to submit Summer Training Report in the organization to

get the certificate of completion of Summer Training.

4. If two or more students are working in the same organization during Summer

Training, the part B i. e. problem area of study for each student will be different.

3. All students are required to maintain a Diary in which daily activities of Summer

Training Project work must be recorded in terms of reporting date and time, duration

of stay in the organization or in field, type of study performed etc. It has to be

countersigned by reporting officer and will be verified during the Summer Training

as well as at the end of training

4. The summer training will consists of TWO parts and accordingly report has to be

prepared as follow

Part A: Study of the functioning of the organization as follow. (Approx 100 Pages)

This part consists details about the functioning of the organization in which the student

undergone Summer Training. The study must be compiled as follow in the report.

Page 105 of 110
Tripti Mishra

OFFICE MANAGEMENT. The primary data has to be collected by questionnaire and it must be properly analyzed and interpreted to develop a suitable and feasible solution for the assigned problem in comprehensive way. For clarification they may contact the faculty mentor. chapter heading could be modified accordingly. FM. Student must understand the problem assigned by the supervisor of the organization in proper way. MARKETING. PRODUCTION/OPERATIONS ETC CHAPTER 4 : PRODUCTS/SERVICES CHAPTER 5 : MARKETING STRATEGIES CHAPTER 6 : BUSINESS PROCESSES LIKE SUPPLY CHAIN. Page 106 of 110 Tripti Mishra .Summer Training Project Report CHAPTER 1 : GENESIS OF THE ORGANIZATION.e HRM. Students are instructed to discuss with the faculty guide in this regard) Part B: Research study on the problem area from your specializations – (Approx 50 Pages) In this part a problem area for study under Summer Training project will be assigned by the supervisor/reporting officer of the organization. (Chapters could be merged or extended. The student will collect secondary and primary data by various methods during summer training. depending upon the nature of the organization. The problem area of study must be from opted specializations. CHAPTER 2 : ORGANIZATION STRUCTURE AND HIERARCHIES CHAPTER 3 : FUNCTIONAL AREAS I. CORPORATE COMMUNICATION ETC. This part will be compiled as follow.

RECOMMENDATION AND LIMITATIONS. Types of Data and Research Design. CHAPTER 3: INTERPRETATION AND ANALYSIS. The main topic of the research must be logically elaborated in suitable numbers of objectives. Response from each question must be properly tabulated and interpreted.In this chapter all data must be tabulated and interpreted. Statistical Analysis on Sample Characteristics and Hypothesis testing (if any) must be done CHAPTER 4: CONCLUSION. Statistical Tools used in the research etc. SCOPE AND OBJECTIVES.This chapter will have a details about the topic. The students are required to remain in contact with the faculty mentor for guidance & preparation of report of the Summer Training Project. Data Collection Method. Questionnaire. Sampling Method.Summer Training Project Report CHAPTER 1: INTODUCTION. Page 107 of 110 Tripti Mishra .It will consist of questionnaire and other documents like forms. its relevance and scope of the study should be included. Any modifications/ suggestions should be incorporated in that report before final compilation and binding. Preparation and compilation of Summer Training Project Report All work of the Summer Training Project will be compiled by the student in form of Summer Training Project Report typed on A4 size papers (one side) of 100 to 150 pages. Annexure. leaflets etc used as reference during your study. It must be properly guided by the faculty members. CHAPTER 2: RESEARCH DESIGN – This chapter will include.A logical flow on the basis of findings from interpretation should be written with limitations faced during research.

Cover Page 2. List of figure PART A: About the organization All Chapters (Chapters 1 to n) PART B: About the problem/ study and suggested solution All Chapters (Chapter 1 to n) Guidelines and format for compilation of Report Page: A 4 with left margin 1. Certificate by the Organization in which the training is completed 3. Certificate by the MBA Department of SRMSCET (To be added later during submission of the report in college) 4. The report would be arranged with following contents/ sections: 1. List of tables 9. Declaration by the student 5. double spacing between the lines Guidelines for Fonts: Page 108 of 110 Tripti Mishra . Acknowledgement by the student 6.00cm.Summer Training Project Report The report must be typed in 13 points Times New Roman fonts with double spacing between the lines as per the specifications given below.5 cm and right margin 1. Executive Summary of the Summer Training Project (approx 2 pages) 7. One side printing. Content 8.

To be in Times New Roman. 36 points. Students are required to submit a hard bound copy of Summer Training Project Page 109 of 110 Tripti Mishra . Justified. Each student will report in the organization in college uniform with tie and Identity Card. left justified Sub Sections – To be in Times New Roman. For the students. The students are instructed to maintain discipline and strict regularity during Summer Training. capital. however in field work they can have a formal dress. Each and every guidelines must be followed strictly during summer training and preparation of the report. Bold. Normal. 3. Bold. Bold. Bold.Summer Training Project Report CHAPTER NO 1 to n. capital. faculty guide from the department has been deputed.To be in Times New Roman. 6. Each student is instructed to strictly follow the rules and decorum of the organization.To be in Times New Roman. centered CHAPTER Names . Each student is required to regularly interact with Faculty Guide during summer training. 2. Underline. Normal. Normal. Header: College Logo (Right) and Summer Training Project Report (Left) Footer: Name of the Student (Left) and Page Number (Right Most Important: 1. 5. left justified Body Text : To be in Times New Roman. 18 points. 13 points. centered Sections . 16 points. 4. double spacing between lines. 26 points.

the student will submit TWO HARD BINDED Copies of Summer Training Project Report to the department. 2017. verified and approved by the Faculty mentor. After getting it presented. Page 110 of 110 Tripti Mishra . This work must be finished by July.Summer Training Project Report Report to the supervisor/reporting officer of the organization for getting the certificate of completion of summer training. 7. Students are required to submit One Spiral bounded copy of Summer Training Project Report to the Faculty mentor after reporting back to the department for verification and modifications (if required).