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Agenda

OFFERINGS FOR E-COMMERCE / TECH

COMPANIES

Through Dedicated E-com & Tech Team carved out of Corporate

Banking

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E-commerce / Tech Companies – Our Offerings

• Kotak Mahindra Bank- Partner of Choice

 Transaction Banking Services –

o RBI Compliant Nodal /Escrow Management, EEFC, Sweep Facilities

o Physical and E-payments, Physical and E- collections

o Internet banking and Host to Host integrated payment platforms

o Dividend, Tax and Bulk payments

o Extensive and customized MIS

o Fully Secure Internet Platform

Other Innovative Solutions

o NACH Credits and Debits, Refund and collections using IMPS, Email Money

Acquiring Services –

o RuPay Acquiring, IMPS Acquiring

o POS and Payment Gateway partnering

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E-commerce / Tech Companies – Our Offerings
• Kotak Mahindra Bank- Partner of Choice
Treasury Solutions

o Fx related advisory – Trade Fx and Capital flows, online Fx platform, dedicated Fx RM

o Investment Advisory Solutions

Debt Solutions

o Trade solutions - LC, BG and Buyer’s Credit facilities

o Fund based Working Capital - PCFC, OD, CC, Gold Metal Loan

Other Value Add solutions

o Corporate Bill payment, Prepaid Cards and Corporate Credit Cards

Capital Raising –

o Help client raise funds both with-in India and overseas through venture capitalists /
Private equity firms and through capital markets.

 Offerings for Employees – Salary accounts / Loan facilities

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Nodal Account Services
Background
 Nodal Account is an account opened and maintained by the Bank for facilitating collection
of payments by intermediaries from customers of merchants.
 RBI has issued guidelines with a view to safeguard the interest of the customers and also
to ensure that intermediary (Aggregator) remits the money to the Merchant without undue
delay.
 To ensure compliance, RBI has prescribed certain process to be followed by aggregator,
participating bank and nodal Bank.

Technology Support
 Robust technology platform and ability to scale up basis client’s future needs.
 Capability for Host-to-Host Integrated Payments.
 Capability for SAP / ERP Integration for processing of payments without file upload
(through pull mechanism)
 Web Services for payment of individual transactions (on real-time basis) – on approval of
payments in company’s ERP.
 Reconciliation of the Nodal Account.
 Customized MIS in uploadble format.

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Nodal Account Services

Support on RBI Compliance

 KMBL will ensure adherence to the RBI guidelines including conducting the concurrent
audit of the nodal account every quarter and submit the report to RBI.
 KMBL would maintain the master database of the merchants at the bank’s end & will
validate these payments before making payments to the respective merchants as
required by RBI.

Credentials
 Currently managing 25+ Nodal / Escrow account with market share of ~50%.
 Some of the marquee names are Flipkart, PayTm, Airtel Money, Idea Money, Citrus,
CC Avenues, HealthKart etc.

The most preferred partner for Nodal Account Services.

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 Transaction Banking – Other Offerings
Collections
 Physical Collections – Cash / Cheque pick up across clients locations.
 Electronic collections - With added feature of virtual accounts for each client of the
user for better receivables management.
Payments
 Kotak Physical Payments – Cheque and DD printing at remote locations and delivery
to your offices.
 Electronic Payments thru RTGS / NEFT / IMPS – With multiple level of authorizations
(person-wise and amount wise).
Technology Support
 Capability for Host-to-Host Integrated Payments.
 Capability for SAP / ERP Integration for processing of payments without file upload
(through pull mechanism)
 Web Services for payment of individual transactions (on real-time basis) – on approval
of payments in company’s ERP.
 Customized MIS in uploadble format .

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Transaction Banking - Other Innovative Offerings
Collections Using NACH:
 NACH Debit:
 Very unique and secure way to collect regular payments from dealer or partners
 Centralised system, with an aim to consolidate multiple ECS systems running across
the country.
 Unique Mandate Management System and Dispute Management System.
 Same day presentation and settlement
 Useful for companies who are listing , trying to monetise add revenue etc
Collections Using IMPS
 IMPS E-collections
 Online IMPS based E-Collections Platform.
 Instant credit to Corporate's Account.
 In case of multiple dealer collection locations, payment confirmation SMS sent to the
respective dealer.
 One time corporate and dealer registration process and Virtual Account setup.
 Option of User defined Virtual Accounts

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Transaction Banking - Other Innovative Offerings
Payments using IMPS solutions:
Email Money:
 Very unique and secure way to make the payment through E-mail / Mobile Number

 The remitter can also define a date for said payment (payment can be scheduled)

 The transaction is initiated on the specified date or whenever the beneficiary accepts
on the link (whichever is later)
 Payment is made instantly (once accepted by the beneficiary)

 Real time reconciliation

Refunds Using IMPS:

 Simple and secure way to make the refund payment using IMPS

 365 days 24*7

 Instant

 Immediate Confirmation to both the parties – remitter as well beneficiary

Bulk refunds using NACH

NACH Credit:
 Very unique and secure way to make the bulk payments Using NACH credit

 Positive confirmation for all payments unlike NEFT

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 Transaction Banking services – Cont.
Rupay Acquiring
 Integration of Bank Payment Gateway with NPCI’s RuPay PaySecure solution which
provides a second factor authentication in the web based channels.
 On-boarding of aggregators/merchants on banks payment gateway to enable RuPay
payment options on their merchant websites

IMPS Acquiring
 IMPS Pull Payments initiated with customers mobile number, MMID and OTP
 Instant 24x7 transactions through IMPS.

Complete Payment Gateway Acquiring

 Offered in partnership with payment gateway aggregators with Pricing advantage because of
KMBL relationship (through PayTm, CC Avenues, Atom, Citrus).

Other Offerings
 Dividend Payments
 Corporate Bill Pay

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 MIS & Reports
 Facilitate automated reconciliation
- Customized MIS
 MIS delivered over secure
communication channel (host to
Hard Copy by Courier host / SSL over WEB)
 Capable to Integrate with Client’s
ERP system.
EMAIL
File Transfer Client  Support for Multiple File Format –
/ Host to Host ASCII, MS Excel, CSV etc

SMS

WEB Browser
FAX

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 Security Features
 Fully secure internet based on-line electronic delivery channel
 Secure communication channel – SFTP, HTTPS with 256 bit SSL encryption
 Maintain file integrity using hashing algorithm
 Check filename to prevent duplicate upload in the system
 Customer defined authorization matrix for payment initiation
 Our Internal Security Standards are based on Information Management Security System
(ISMS) and ISO 270001

Database
Verify Password
Random Number
generation for each
user
 Dual factor authentication – user id / password & token based authentication

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Treasury Solutions

Fx Solutions
 Online Fx Platform to bring in complete transparency on fx rates.

 Dedicated Fx RM

 Support on cross border compliance for filing of regulatory submissions, representations to RBI
on peculiar issues / issues arising out of interpretation etc.

Investment Advisory Solutions

 Bringing in all investment avenues under one umbrella ranging from fixed deposits, Mutual
Funds, Bonds, Equity & IPO’s, commodities, Alternate Asset fund, Structured Products etc.
 Act as one point contact between the company and all AMC’s.

 Dedicated RM from the investment advisory team for regular updates.

 Customized MIS.

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Debt Solutions

 Working Capital facilities to meet the short term cash flow mismatch requirements including
facility of Letter of credit / Buyers credit.
 Funding for Commercial Vehicles / Warehouse at competitive rates.
 Vendor Financing

Recently, advised a client to use vendor financing thereby making upfront payment to the Vendors
against cash discount. This helped create a profit center by using the arbitrage between annualized
cost of funding and annualized cash discount.

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Offerings for Employees

 Salary Account –
 Attractive rate of Interest of 6% (one of the highest in the industry)

 Reimbursement Account for reimbursement of expenses in a separate account (for

ease of reconciliation)
 Provision of insurance scheme for employees

 Free Global Debit Card

 attractive charges on Share trading account, free office banking etc.

 Corporate Credit Cards – Card to the employee for meeting the corporate spends. It brings
delight to employees since the payment is made by corporate (and hence no worries of late
fee). This also helps the company to monitor spending pattern with better control and interest
free credit period.
 Pre-paid cards – Pre-paid card for field staff for expenses reimbursement
 Travel Cards – Multi currency Card for loading upto 7 currencies (on single card) at
competitive rates.
 Loan Facilities - Personal Loan / Home Loan Facilities at discounted rates.

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THANK YOU

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