A Report On

Function of Kotak Mahindra Bank

Subject: Management concept & Practices

Under the Guidance of : Prof. Pooja shah

Submitted by

1. Shreshth bhandari IM21025

2. Pratham Gandhi IM21085
3. Utsav jogani IM21118
4. Krish kadia IM21121
5. Meshwa mistry IM21170
6. Nilharsh patoliya IM21237
7. Anamika ranpura IM21257
8. Vedant rathod IM21260
9. Bhavya shah IM21291
10. Krishil soni IM21374

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Contents
Preface..................................................................................................................................................2
The project has taught us…...............................................................................................................2
Acknowledgement................................................................................................................................4
Preface of banking industry:..............................................................................................................5
PESTLE Analysis for the Banking Industry.....................................................................................8
Political factors..................................................................................................................................8
Economic factors:..............................................................................................................................8
Sociocultural factors:.........................................................................................................................9
Technological factors........................................................................................................................9
Legal factors......................................................................................................................................9
Environmental.................................................................................................................................10
SWOT Analysis..................................................................................................................................11
Strengths.........................................................................................................................................11
Weaknesses.....................................................................................................................................12
Opportunities..................................................................................................................................13
Threats.............................................................................................................................................13
Management Functions.....................................................................................................................14
Organizing........................................................................................................................................14
STAFFING.........................................................................................................................................15
Innovative ideas that should be implement.....................................................................................18
Finding.................................................................................................................................................19
Finding.............................................................................................................................................19
Conclusion..........................................................................................................................................22
Contribution........................................................................................................................................25
Bibliography........................................................................................................................................25

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 Preface
As a part of Integrated MBA Curriculum and in order to gain practical knowledge in
the field of Management, we have prepared a report on “ Kotak Mahindra Bank ”.

The Integrated MBA programme is a well-structured and integrated course of

business management at GLS University. The main objective of preparing the project at
IMBA level is to develop skills in students by providing them an opportunity to relate
practical experience with the theoretical concepts and principles of business management.

The project has taught us…

Most consumer banks require a standard group of employees that includes tellers,
customer service representatives, bookkeepers, accounting clerks, loan officers and
managers. Someone who works in a bank works as part of a team to provide customer service
in their assigned role. The size of a bank affects specific banking roles and responsibilities.
For example, larger banks may employ senior tellers who perform teller duties while
supervising the junior tellers.

When an individual walks into a bank, odds are the first person to greet the visitor
will be a teller. Tellers provide direct service to customers by accepting deposits, cashing
checks and exchanging currency, according to Indeed. This bank employee's typical duties
also include receiving check orders from customers and providing travelers’ checks. Tellers
need excellent math skills to ensure accuracy in handling money. They are required to tally
their cash drawers at the beginning and end of the workday.

Customer Service Representatives

Customer service representatives assist customers in opening new bank accounts,

modifying existing accounts, and completing paperwork for products such as Certificates of
Deposit. Additional duties include answering questions about the bank's products and
services and responding to customers' questions. Customer service representatives may also
be responsible for answering phone calls, assisting callers or connecting them with the proper
department.

Bookkeepers and Clerks

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 Accounting, auditing and bookkeeping clerks maintain financial records for the bank
by posting financial transactions using computer software. These clerks check records for
accuracy, reconcile entries and balances and create reports from the data. For example, an
accounting clerk may regularly produce balance sheets for management from the bank's
financial data. In smaller banks, a bookkeeper may be responsible for all the financial
institution's records. Larger banks may split the duties between accounting and auditing
clerks.

Loan Officers

Bank staff duties and responsibilities include funneling loan candidates to the loan
officers. Bank loan officers meet with applicants and help them complete loan applications.
Loan officers answer questions about the different loan types the bank offers and explain
contract provisions. Once the application is completed, loan officers verify the information
and evaluate the applicant's potential to satisfy the loan terms. In some financial
institutions, loan officers make the final decision on loan approval or denial. In others, loan
officers make only a recommendation and a higher-level executive makes the final decision.

Financial Managers

In the banking business, financial managers examine financial reports and prepare
statements for upper management and owners, according to the Bureau of Labour Statistics.
Financial managers often work in supervisory roles, managing other employees such as
bookkeeping and accounting clerks. In addition, financial managers work closely with upper
management, advising on ways to reduce costs and increase profits.

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 Acknowledgement
Management concepts and practices project has provided us with an opportunity to
gain information of Kotak Mahindra Bank from different sectors. It was an experience of
applying the concepts as well as the knowledge learned during classrooms in real life
practical situations.

Every Project Report is a culmination of a student’s endeavor to gain optimum

experience during a short valuable tenure. This Project is dedicated to all the people to whom
we met, talked, took guidance and learnt many things from them.

We take immense pleasure in taking this as an opportunity to express our deepest

gratitude to all those people whose guidance and support has made it possible for us to
complete this project successfully.

First and foremost, we would like to convey our heartiest thanks to GLS University
for providing us with the huge platform for doing this Project.

We are thankful to our Dean, Faculty of Management, Dr. Hitesh Ruparel and our
HOD, Faculty of Management,for providing us constant support from the institute. Our
deepest gratitude to our project guides Prof. Pooja Shah Faculty Guide who in spite of their
busy schedules have provided us with their invaluable guidance, suggestions and directions,
which enabled us during all stages of this project.

Finally we would like to convey our deepest regard to everyone who have directly or
indirectly helped us in accomplishing this project.

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 Preface of banking industry:
(www.ibef.org, 2021)
Introduction
 As per the Reserve Bank of India (RBI), India’s banking sector is sufficiently
capitalised and well-regulated. The financial and economic conditions in the country are
far superior to any other country in the world. Credit, market and liquidity risk studies
suggest that Indian banks are generally resilient and have withstood the global downturn
well.
 The digital payments system in India has evolved the most among 25 countries with
India’s Immediate Payment Service (IMPS) being the only system at level five in the
Faster Payments Innovation Index (FPII).*

Market Size
 The Indian banking system consists of 12 public sector banks, 22 private sector banks,
46 foreign banks, 56 regional rural banks, 1485 urban cooperative banks and 96,000
rural cooperative banks in addition to cooperative credit institutions As of September
2021, the total number of ATMs in India reached 213,145.
 In FY18-FY21, bank assets across sectors increased. Total assets across the banking
sector (including public and private sector banks) increased to US$ 2.48 trillion in
FY21.
 In FY21, total assets in the public and private banking sectors were US$ 1,602.65
billion and US$ 878.56 billion, respectively.
 During FY16-FY21, bank credit increased at a CAGR of 0.29%. As of FY21, total
credit extended surged to US$ 1,487.60 billion. During FY16-FY21, deposits grew at a
CAGR of 12.38% and reached US$ 2.06 trillion by FY21.
 According to the RBI, bank credit stood at Rs. 110.46 trillion (US$ 1.47 trillion) and
credit to non-food industries stood at Rs. 109.82 trillion (US$ 1.46 trillion) as of
September 24, 2021.

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Investments/Developments
 As of November 03, 2021, the number of bank accounts—opened under the
government’s flagship financial inclusion drive ‘Pradhan Mantri Jan Dhan Yojana
(PMJDY)’—reached 43.81 crore and deposits in the Jan Dhan bank accounts
totalled >Rs. 1.48 trillion (US$ 19.89 billion).
 On November 09, 2021, RBI announced the launch of its first global hackathon
'HARBINGER 2021 – Innovation for Transformation' with the theme ‘Smarter
Digital Payments’.
 In November 2021, Kotak Mahindra Bank announced that it has completed the
acquisition of a 9.98% stake in KFin Technologies for Rs. 310 crore (US$ 41.62
million).

Government Initiatives
 In November 2021, RBI launched the ‘RBI Retail Direct Scheme’ for retail
investors to increase retail participation in government securities.
 The RBI introduced new auto debit rules with a mandatory additional factor of
authentication (AFA), effective from October 01, 2021, to improve the safety and
security of card transactions, as part of its risk mitigation measures.
 In September 2021, Central Banks of India and Singapore announced to link their
digital payment systems by July 2022 to initiate instant and low-cost fund
transfers.
 In August 2021, Prime Minister Mr. Narendra Modi launched e-RUPI, a person
and purpose-specific digital payment solution. e-RUPI is a QR code or SMS
string-based e-voucher that is sent to the beneficiary’s cell phone. Users of this
one-time payment mechanism will be able to redeem the voucher at the service
provider without the usage of a card, digital payments app, or internet banking
access.

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Achievements
Following are the achievements of the Government:
 In October 2021, Unified Payments Interface (UPI) recorded 4.21 billion transactions
worth Rs. 7.71 trillion (US$ 103.9 billion).
 According to the RBI, India’s foreign exchange reserves reached US$ 642.20 billion
as of October 29, 2021.
 To improve infrastructure in villages, 204,000 point of sale (PoS) terminals have been
sanctioned from the Financial Inclusion Fund by National Bank for Agriculture &
Rural Development (NABARD).
 The number of transactions through immediate payment service (IMPS) reached
430.67 million and amounted to Rs. 3.70 trillion (US$ 49.75 billion) in October 2021.

Road Ahead
 India’s digital lending stood at US$ 75 billion in FY18 and is estimated to reach US$
1 trillion by FY23 driven by the five-fold increase in the digital disbursements. By
2025, India's fintech market is expected to reach Rs. 6.2 trillion (US$ 83.48 billion).

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 PESTLE Analysis for the Banking Industry

(www.pestleanalysis.com, 2021)

 Banking industry operates as a network of financial institutions, and it offers various

services like cash, deposit, credit, money transfer, and other transactions. Banks use
public money (deposit, make loans, and earn profit from them. These loans could be
business loans, car loans, personal loans, and mortgages.
 The banking industry is comprised of many small parts like; investment banking,
retail, corporate, management, and asst. According to an estimate, there has been a
significant growth in the retail sector during the period of 2006 to 2011. However, the
banking sector is one of the key driving forces of world economies and governments.
It holds the largest market share of 43% in Europe. Asian market also has a great
potential to grow in this market.
 As we know that banks can’t run their operations independently, they must have to
follow the laws. Some factors that impact the functionality of the banking industry
like; political, economical, social, technical, legal, and environmental.

Political factors: A tool for the big guys

 The banking sector looks all powerful but it’s susceptible to a bigger giant: the
government.
 Government laws affect the state of the banking sector. The government can intervene
in the matters of banking whenever, leaving the industry susceptible to political
influence. This includes corruption amongst political parties, or specific legislative
laws such as labor laws, trade restrictions, tariffs, and political stability.

Economic factors: Easily influenced

 The banking industry and the economy are tied. How income flows, whether the
economy is prospering or barely surviving during times of recession, affects how
much capital banks can access. Spending habits, and the reasons behind them, affect
when customers borrow or spend funds at banks.

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  Additionally, when inflation skyrockets, the bank experiences the backlash. Inflation
affects currency and its value and causes instability. Foreign investors think twice
before providing their funds when a particular country’s currency value is high.
 Exchange rates also affect banks globally stable currencies such as the US dollar
impact other currencies, spending habits, and inflation rates in other countries.

Sociocultural factors: Consumers want ease

 Cultural influences, such as buying behaviours and necessities, affect how people see
and use banking options. People turn to banks for advice and assistance for loans
related to business, home, and academics. Consumers seek knowledge from bank
tellers regarding saving accounts, bank related credit cards, investments, and more.
 Consumers desire a seamless banking experience. And technology is developing to
allow consumers to buy products easier, without requiring assistance directly from
banks.

Technological factors: Smartphones to the rescue

 Once, it was expected to visit the local bank to make changes to financial accounts.
But not anymore.
 Technology is changing how consumers handle their funds. Many banks offer a
mobile app to witness accounts, transfer funds, and pay bills on smartphones.
 Smartphones can scan cheques, and the bank can process it from their end, at their
location. This change helps to save paper and the need to drive directly to the branch
to handle these affairs.
 Debit cards are also changing. Chips have been implemented, requiring users to insert
their card into debit machines rather than swiping them. Other countries, such as
Canada, have implemented a “tap” option tapping the debit card onto the device,
requiring no pin, for a transaction to complete. These changes make it easier on the
user to make purchases without required intrusion from banks.
 Even banks themselves are utilizing technology within the workplace.
Telecommunicating through virtual meetings is being embraced. It replaces the need
for in-person meetings.

Legal factors: Strict guidelines

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 The banking industry follows strict laws regarding privacy, consumer laws, and trade
structures to confirm frameworks within the industry. Such structures are required for
customers in the allocated country and for international users.

Environmental: Reduced footprint

 With the use of technology — particularly with mobile banking apps — the use for
paper is being reduced. Additionally, the need to drive directly to a branch to handle affairs is
minimized as well.
 Many issues are taken care of through mobile apps and online banking services.
Consumers can apply for credit cards online, buy cheques online, and have many of their
banking questions answered online or by phone. Thus, reducing individual environmental
footprints.
conclusion…
 The banking industry is held accountable by the government. What and how they
offer services is determined by politics and current governmental laws. Additionally, banks
are at the whim of the economy — inflation rates can devastate banking prospects as it affects
the value of currency.
 Technology is helping consumers spend and save money with readily available apps
and online services. For many daily transactions, it isn’t required for users to visit their
branch anymore. This, in turn, saves the use of paper and gas spent from driving to and from
banking locations.

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 SWOT Analysis
(www.marketing91.com)

Strengths
Strengths are the positive factors that help organisations stay ahead of the competition.
Following are the strengths.

1. Financial Products: Kotak Mahindra offers a vast range of financial products and services
in various domains, catering to a large pool of customers from different sectors. Some of the
most popular services offered by the bank include accounts, deposits, insurance, debit and
credit cards, housing and education loans, as well as financial and investment advice.

2. Diversified Business Model: Kotak Mahindra Bank has spread its services across various
sectors from asset management to lending to insurance to capital markets, ensuring a steady
income with low risk. A diverse business model allows it to cater to different groups of
people and provide specialized services, thereby capturing the complete value chain in the
financial sector.

3. Customer Service: Another area where Kotak Mahindra races ahead of its competitors in
customer service. It values the customer and provides various ways for them to get in touch
with the customer service, including phone banking, online chat, online help, and through
their branches and ATMs.

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4. Strong Fundamentals and Management: Kotak Mahindra has excellent top-level
management who are alumni of prestigious institutions and are experienced professionals in
the banking and finance industry. This helps them steer the company in the right direction.
Kotak Mahindra’s strong fundamentals have made it a formidable force in the stock market
despite an average performance

Weaknesses
Weaknesses are the negative factors of any company that are holding it back from
achieving certain areas of achievement. Let’s take a look at some of the weaknesses.

1. Poor Marketing: Kotak Mahindra allocated a minimal portion of their budget

towards marketing and advertising. With trivial publicity, it is difficult to attract new
customers since they are not aware of Kotak’s services and incentives. This leads to a
low business scope and hinders their ability to grow.

2. Less Corporate Banking: While the bank has a significant retail base, it is lacking
when it comes to corporate customers. Compared to its peers, Kotak Mahindra has a
negligible presence in the corporate banking sector, which is a huge source of
revenue.

3. A new enterprise: Kotak being a new enterprise which started in 2003, people
trust them less in comparison to other banks

4. Less corporate banking: Kotak Mahindra has comparatively less corporate

banking than other banks.

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Opportunities
Opportunities are the favourable external factors of the company that gives it a
competitive advantage over other companies. Let’s take a look at some of the
opportunities present for Kotak Mahindra Bank:

1.Increase in banking demand: With the technological and financial boom in the
country, there is a high demand for quality and affordable banking services. Kotak
Mahindra Bank can appeal to this crowd by curating specialized services for them.

2.RBI Act: The recent changes by RBI helped Kotak to improve its CASA ratio,
which can eventually attract more people.

Threats
Threats are the unfavourable external factors of the company that negatively
affects the business. Let’s take a look at some of the threats faced by Kotak
Mahindra Bank:
1. Increasing competition in the Finance Sector: The finance sector is populated
with companies having enormous capital, providing a vast array of services and
catering to customers from nearly all domains, sectors, and regions.

2. Economic Slowdown: With the pandemic and dollar index affecting the Indian
economy, the banking and finance sector seems to have borne the brunt of the
slowdown, making it harder for Kotak Mahindra bank to retain customers and assets,
as well as gain new customers.

3. Competition in financial services: Due to many new competitors entering the

market of financial services, it becomes difficult for Kotak to compete and maintain
the share and its profit.

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 Management Functions
Organizing

(kotak.com, 2021)

“If what we create does not outlive us, then it is not progress."

- Uday Kotak, Managing Director & CEO, Kotak Mahindra Bank Limited.

He believe in the power of professional entrepreneurship. Giving our people ownership of

their work empowers and inspires them to do better each day. This way, we are creating the
next generation of leaders, creating more value for all our stakeholders.

What is the Management & Organization in Kotak Mahindra bank.

Best Private bank for working with good culture but very less salary compared to industry.
now day some top management also not behaving well with mid level employees.

14
15
Bank Organization System

 The Bank Management System (BMS) is a web-based application used for paying
financial institutions for the services they provide to the Bureau of the Fiscal Service.
BMS also provides analytical tools to review, and approve compensation, budgets,
and outflows.
 The Kotak Mahindra bank offers comprehensive business solutions for the business
community that includes the current Account, trade services, cash Management
services and credit facilities. Their wholesale backing products offer business banking
solutions for long term investments and working capital needs, advice on mergers and
acquisitions and equipment financing.

What is the Organizational structure of Kotak Mahindra Bank?

 Our customers will enjoy the benefits of dealing with a global Indian brand that best
understands their needs and delivers customized pragmatic solutions across multiple
platforms. We are a world class Indian financial services group.
 The Depository Services offered by the Bank allows the customers to hold equity
shares, Government securities, bonds and other services provide to the consumers
from Kotak Mahindra bank.

STAFFING
(www.kotak.com, 2020)

Objective
We are in the business of Banking and financial services, which operates on the foundation
of “TRUST”. Our customers trust us with their financial transactions & portfolios and we are
expected to operate and maintain the highest standards of openness and transparency in all
our dealings. Management expects high degree of ethics, compliance, honesty, integrity and
diligence from each employee of the Company and violation of the same will be viewed
seriously. Each employee should adhere to the manuals, guidelines, policies, integrity
capsules etc. issued by the Management from time to time. We have zero tolerance to any
violation of the above and any such violation will attract stern action including
dismissal/termination from the services of the Company.

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Applicability
This will be applicable to all employees

Punishments
The following punishments can be imposed by the competent authority for the proven acts
of misconduct committed by the employee:

Minor Penalty
 Warning

Major Penalties
 Forfeiture of annual increase in compensation and/or variable pay
 Malus and clawback of variable compensation given in the past
 . Termination from the services.

Recovery of Financial Loss

Apart from above, the competent authority can order for recovery of financial loss
caused to the Company by the employee due to proven acts of misconduct committed
by him/her. The financial loss caused to the Company can also be recovered from the
terminal benefits of employee.

Suspension of Employee
An employee involved in alleged acts of misconduct may be placed under suspension
by the competent authority under the following circumstances:
 Reported irregularities such as fraud, misappropriation etc., which is under
investigation or prima facie irregularities committed by employee directly or
by colluding with an outsider.

 If in the opinion of the Management, there exists a reasonable apprehension

that an employee, whose involvement in any reported irregularity is prima
facie established and continuation of such employee in the Branch/ office may
result in destruction of evidences/ documents and at the same time, immediate
disengagement of the said employee is likely to cause hindrance to the
completion of investigation and recovery of the financial loss likely to be
caused to the Company.

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Competent Authority to Issue Suspension Order
The competent authority can suspend an employee after getting a recommendation
from the Business Head/ RCU/ Vigilance Dept. Disciplinary Authority will be the
competent authority to issue a suspension order.

Subsistence allowance and other allowances during the suspension period

 An employee, who is placed under suspension, shall, during the period of suspension,
be entitled for 1\3 of his existing basic pay and special allowance calculated on the
reduced basic pay, for the first three months of the suspension.
 For the subsequent period of suspension, after three months, the employee shall be
entitled to 1\2 of the reduced basic pay (i.e. 1/6 of the original) and special allowance
calculated on such reduced basic pay.
 If the suspended employee is fully exonerated from the charges, then he/she shall be
granted for the period of suspension, the full pay with allowances to which he/she
would be entitled, had he/she not been suspended.

Closure of the Suspension of the employee

The suspension of an employee shall come to an end only after issuance of an order to
that effect from the competent authority:

 Upholding the allegations of misconduct and for termination of the services of the
suspended employee
 Upholding the allegations of misconduct with punishment other than termination,
depending upon gravity of the irregularities committed by the employee
 Exoneration of the employee from the allegations.

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 Innovative ideas that should be implement
(www.livemint.com, 2021)

● Joint account should be provided with Kotak 811.

● No payment for check book.
● Doorstep banking service for all customers.
● More budget towards marketing and advertising to attract new customers .
● Increase the presence in the corporate banking sector as Kotak Mahindra has
comparatively less corporate banking than other banks.
● IVR licenses :- Kotak Mahindra Bank has a limited number of IVR license that could
lead to disturbance if it exceeds the IVR license limit.
● Decrease the home loan rate.
● Decrease the minimum age of taking home loan from 21 to 18.
● Special discounted rate Home loan schemes for women.
● Unwanted charges should be lifted from Kotak 811.

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 Finding
(kotak.com, 2021)

Features and Benefits of Kotak Mahindra Bank Savings Account

 There is no volatility involved in savings bank accounts, hence they are a safe form of
investment.

 Your money will earn interest as it lies there waiting to be invested.

 The Kotak Mahindra Bank savings account comes with many added benefits.

 You can access your account via net banking or mobile banking too.

 Kotak Mahindra Bank ATMs give you easy access to your money all over the country.

 You can set up the account for automatic utility bill payments.

 You can get a free debit or credit card with Kotak Mahindra Bank savings account.

Types of Kotak Mahindra Bank Savings Accounts

811 Edge

 Account opening using Aadhar number only

 Minimum Average Monthly Balance (AMB) of Rs. 10,000/-
 All online transactions free.
 Platinum Chip Debit Card at Rs. 150/- per annum.
 Scan & Pay facility for in-store purchases
 Mobile banking at no extra cost
 Following in-app features are also available -
 Shop online using Flipkart
 Book travel tickets using goibibo
 Book movie tickets with PVR

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 Junior - The Savings Account for Kids

 The account is for young children below age 18

 Parallel guardian savings account

 Parallel recurring deposit or SIP account with minimum monthly deposit of 2000.

 Waiver of non-maintenance charges

 Stand-alone variant without guardian available subject to conditions

 Discounts on various food outlets, gaming stores, edutainment, and more for kids

Silk - Women’s Saving Account

Silk debit card with special offers

35% offer on locker rent

Easy bill payment facility

Solo or joint account

Pro Savings Account

 Home banking available

 50% offer on Demat charges for the first year

Classic Savings Account

 Minimum balance to be maintained is 10,000/-

 Classic debit card with purchase limit of 1,50,000/- and withdrawals up to 50,000/-

Ace Saving Account

 Minimum balance to be maintained is 50,000/-

 Auto conversion of account balance over a specified amount to term deposit

 Free outstation collection

 Platinum International chip debit card

 Debit card purchase and withdrawal limit 2 lakh with extension of purchase limit to further
2 lakhs.

 15% discount on lockers

 Home banking facility

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Kotak Mahindra Bank Savings Account Interest Rate

Interest rates on savings bank deposits vary from bank to bank and also vary with the type of
account. The current interest rates at Kotak Mahindra Bank range from 3.50% to 4% per
annum. Interest rates are subject to change by the bank at any time.

Other product

 Kotak Royale Signature Credit Card

 Kotak Mahindra Bank Recurring Deposit Rate
 Kotak Mahindra Bank Fixed Deposit Rate
 Kotak Mahindra Bank FASTag

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 Conclusion

kotak Mahindra Bank is positioning themselves as ‘the bank of the future The
management has ensured they serve the customer To cater the category of the rural
population , they with Micro Finance Institutions , NGO’s and even the Reducing lending’s
to the retail customers is a short term For a longer term, they should come up with products
which would requirement of the customer as well as reduce the risk of the Thus, on a whole,
the ‘bank of the future’ is playing their cards smartly. down turn without much wounds.

This proves the ability of management to guide the bank to a better stronger future
CONCLUSIONS Bank is positioning themselves as ‘the bank of the future’. management has
ensured they serve the customer of the future, i.e the young lndi rural population , they are
strategically gone for partnersh and even the government. lending’s to the retail customers is

23
KEYA is Your Personal Kotak Assistant

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25
 Contribution

1. Shreshth bhandari IM21025

( Information on Preface of Banking Industry )
2. Pratham Gandhi IM21085
( Information on Conclusion and KMB Journey )
3. Utsav jogani IM21118
( Information TLE of PESTLE Analysis )
4. Krish kadia IM21121
( Information Findings and learnings, Made word file, Editing )
5. Meshwa mistry IM21170
( Information on Innovative ideas , Suggestions )
6. Nilharsh patoliya IM21237
( Information PES of PESTLE Analysis, Made Word file, Editing )
7. Anamika ranpura IM21257
( Information Strength and Weakness of Kotak Mahindra Bank , Suggestions )
8. Vedant rathod IM21260
( Information Management Function Organizing of Kotak Mahindra Bank )
9. Bhavya shah IM21291
( Information Management Function Staffing of Kotak Mahindra Bank )
10. Krishil soni IM21374
( Information Opportunities and Threats of Kotak Mahindra Bank )

26
 Bibliography
kotak.com. (2021).

pestleanalysis.com. (n.d.).

pestleanalysis.com. (n.d.).

www.ibef.org. (2021).

www.kotak.com. (2020).

www.livemint.com. (2021).

www.marketing91.com. (n.d.). 2021.

www.pestleanalysis.com. (n.d.).

www.pestleanalysis.com. (2021).

WWW.pestleanalysis.com. (2021).

THANK YOU

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