Kotak Mahindra is one of India's leading financial institutions, offering complete financial solutions that encompass every sphere

of life. From commercial banking, to stock broking, to mutual funds, to life insurance, to investment banking, the group caters to the financial needs of individuals and corporates. The group has a net worth of Rs.7,911 crore and employs around 20,000 employees across its various businesses, servicing around 7 million customer accounts through a distribution network of 1,716 branches, franchisees and satellite offices across more than 470 cities and towns in India and offices in New York, California,San Francisco, London, Dubai, Mauritius and Singapore. Kotak Mahindra Asset Management Company Limited (KMAMC), a wholly owned subsidiary of KMBL, is the Asset Manager for Kotak Mahindra Mutual Fund (KMMF). KMAMC started operations in December 1998 and has over 10 Lac investors in various schemes. KMMF offers schemes catering to investors with varying risk - return profiles and was the first fund house in the country to launch a dedicated gilt scheme investing only in government securities.

Sponsors
Kotak Mahindra Bank Limited. Established in 1985, the Kotak Mahindra group has been one of India's reputed financial organizations. In February 2003, Kotak Mahindra Finance Ltd, the group's flagship company was given the license to carry on banking business by the Reserve Bank of India (RBI). This approval creates banking history since Kotak Mahindra Finance Ltd. is the first non-banking finance company in India to convert itself in to a bank as Kotak Mahindra Bank Ltd.The Bank offers comprehensive business solutions that include Trade Services, Cash Management Service and Credit facilities, keeping in mind the needs of the business community. Kotak Mahindra Bank has over 212 branches spread across 124 locations in the country offering both traditional banking products and investment advisory services. The Bank has the products, the experience, the infrastructure and most importantly the commitment to deliver pragmatic, endto-end solutions that really work.

trustee company
r. Noshir Dastur is a graduate in Commerce and a Fellow of the Institute of Chartered Accountants of India. He is a Partner with Dubash & Patil, Chartered Accountants from January 1992. He was also a Partner with Bhandari Dastur Gupta & Associates, Chartered Accountants for period of ten years ending in March 2008. Mr. Amit Desai is a graduate in Commerce and Law from the Bombay University. He is an advocate and has about 22 years of experience in criminal, economic and revenue laws. Mr. Desai is associated with the Sponsor. Mr. Girish Sharedalal is a graduate in Commerce and Arts and also a Fellow of the Institute of Chartered Accountants of India. Formerly a Senior Partner of Messrs Dalal, Desai and Kumana, a firm of Chartered Accountants, he has about 49 years of experience in the field of audit, taxation and management consultancy. Mr. Chandrashekhar Sathe is a graduate with B. Tech.(Chemical Engineering) from IIT, Mumbai. He has over 32 years' experience in Banking and Finance. He has been a part of the Senior Management team of the Kotak Mahindra Group since 1992 and was responsible for setting up the Fixed Income Securities capability of Kotak

Mahindra Capital Company. Prior to Kotak Mahindra, he was with the Bank of Nova Scotia and Bank of Maharashtra and has wide ranging experience in Banking, Finance, Administration, Credit, Foreign Exchange and Money Markets. Mr. Sathe is a widely consulted expert on Foreign Exchange and Money Markets in India and is a frequent contributor to financial newspapers, magazines and TV News channels. Mr. Sathe was the Chief Executive Officer of the AMC for the period, 1st April, 1998 to 30th November, 2001. Mr. Sathe is associated with the Sponsor. Mr. Balan Wasudeo has over 36 years experience in the areas of Treasury, Finance, Projects, Strategic Planning, Risk Management and General Management. His significant achievements include financing large organic and inorganic growth through various debt and capital market instruments in India and abroad. Mr. Balan's career spans a unique combination of Multinational Companies, Public Sector Company and Family Owned Companies. It also involves developing sound relationships with International Multilateral agencies, International Commercial banks and Financial Institutions and banks in India. Mr. Balan Wasudeo is the Founder of NeoCFO, an organsiation offering services of an Independent Director to Companies. Prior to that, Mr. Balan Wasudeo was Chief Financial Officer of Great Eastern Shipping Company Ltd. Mr. Balan Wasudeo has also received the Best Performing CFO Award in Logistics Sector from CNBC TV18 in 2006.

Mr. Uday S. Kotak, 51, is a graduate in Commerce and a post-graduate in Business Administration from Jamnalal Bajaj Institute of Management Studies of Mumbai University. Mr. Kotak has over 23 years of experience in the financial services industry. Mr. Kotak is the Vice Chairman and Managing Director of the Promoter, and the chairman of various other companies. Mr. R. C. Khanna, 83, is a graduate in Commerce from London University, Fellow of the Institute of Chartered Accountants of England & Wales, Fellow of the Institute of Chartered Accountants of India, Associate of the Chartered Institute of Management Accountants, London and Associate of the Institute of Cost and Works Accountants of India. He was a partner till 31st March 1998 in A. F. Ferguson & Co.,a firm of Chartered Accountants. Mr. Khanna has over 57 years of experience in Audit, Taxation, Finance and other related areas. Mr. Sukant S. Kelkar, 70, is a post-graduate in commerce. He has about 44 years of experience in finance, capital markets, and related areas. Mr. Kelkar has over 12 years experience in the Bank of India, and has even been a foreign exchange dealer in London for 3 years during this tenure. Following this, Mr. Kelkar worked with Bombay Dyeing Manufacturing Company Limited for 31 years, finally retiringas Executive Director in July 2001. Mr. Chengalath Jayaram, 54, holds a postgraduate diploma in Management from IIMC, Calcutta, Mr. Jayaram is the Executive Director of Kotak Mahindra Bank Ltd. and a member of the Management Committee of the Kotak Mahindra Group. He currently heads the wealth management business for the group including its international operations.Mr. Jayaram joined Kotak in 1990 and since then has been keenly involved in creating innovative business directions for the group where he used his in-depth understanding of the finance sector and his educational background in management effectively. He played a crucial role in the setting up of the car finance business and was the Managing Director of Kotak Securities for a span of four years. Prior to joining Kotak, Mr. Jayaram had worked with ICICI and the consultancy division of A.F. Ferguson. Mr. Bipin R. Shah, 77, a member of the Institute of Chartered Accountants of India, holds a Bachelor's Degree in Commerce from Bombay University, and has 49 years of work experience. Mr. Shah began his career in 1956, with Hindustan Lever Limited, where he held various Senior Commercial Assignments, including the post of Commercial Manager at its largest soaps, detergents and foods factory in Bombay, Chief Buyer, Raw Materials and Head of Foods Business. He became a Director of the company in 1979, assuming responsibility for Foods, Animal Feeds, Agri Products and Exports Business, and managed a commendable turnaround of the company's dairy business. In 1981, Mr. Shah also became Chairman of another Unilever subsidiary, Lipton India Limited, which was facing losses and financial crisis. Mr. Shah was responsible for turning the company around, and for reviving employee and investor confidence. Mr. Shah was also Chairman of Export Business of four Unilever Companies in India viz. Hindustan Lever Ltd., Lipton India Ltd., Brooke Bond India Ltd. and Ponds India Ltd. On his retirement from the Lever Group of Companies in 1992, Mr. Shah joined Indus Venture Management Ltd., where he currently holds the post of Vice Chairman. Mr. Shah is also a non Executive Director on the Board of several companies.

Mr. Gaurang Shah,48 years / Member of The Institute of Chartered Accountants of India, Member of The Institute of Cost and Work Accountants of India, Member of The Institute of Company Secretaries of India. M. Com. from Gujarat University. Mr. Gaurang Shah is the Group Head - Asset Management and Life Insurance at Kotak Mahindra Group and is responsible for Domestic and International Asset Management and Life Insurance businesses of the Group. In his immediate prior assignment, he was the Managing Director of Kotak Mahindra Old Mutual Life Insurance Limited, (a 74:26 joint venture between Kotak Mahindra Bank Ltd., its affiliates and Old Mutual plc) among India 's leading Life Insurers. Mr. Shah has over 27 years of rich and varied experience primarily in the Financial Services sector, several of which are in the Kotak Mahindra Group. Mr. Shah is associated with the Sponsor.