Certificate I, Mr./Ms._______________________________, Roll No.

________________ certify tha t the Project Report/ (BBA-2) entitled ________________________________ is done by me and it is an authentic work carried out by me at ___________________________ (Name of the organisation or of the Ins titute). The matter embodied in this project work has not been submitted earlier for the award of any degree or diploma to the best of my knowledge and belief. Signature of the Student

Date: Certified that the Project Report/(BBA-2) entitled __________________

done by Mr./Ms._______________________________, Roll No. ________________, is completed under my guidance. Signature of the Guide Date: Name of the Guide: Designation: Address: Established in 1985, The Kotak Mahindra group has long been one of India s most re puted financial organizations. In February 2003, Kotak Mahindra Finance Ltd, the group s flagship company was given the license to carry on banking business by th e Reserve Bank of India (RBI). This approval creates banking history since Kotak Mahindra Finance Ltd. is the first company in India to convert to a bank. Established in 1985 as Kotak Capital Management Finance promoted by Uday Kotak t he company has come a long way since its entry into corporate finance. It has da bbled in leasing, auto finance, hire purchase, investment banking, consumer fina nce, broking etc. The company got its name Kotak Mahindra as industrialists Hari sh Mahindra and Anand Mahindra picked a stake in the company. Kotak Mahindra is today one of India s leading Financial Institutions. Head Office Kotak Mahindra Bank Ltd 36-38A, Nariman Bhavan, 227, Nariman Point Mumbai 400012. India

History The Kotak Mahindra Group was born in 1985 as Kotak Capital Management Finance Li mited. This company was promoted by Uday Kotak, Sidney A. A. Pinto and Kotak & C ompany. the customer base of this group is more than 14 lakh.Industrialists Hari sh Mahindra and Anand Mahindra took a stake in 1986, and that's when the company changed its name to Kotak Mahindra Finance Limited. It bought stressed assets from a number of banks, at full loan value of Rs 1,000 crore in 2005.[3] In January 2011, the bank reported a 32% rise in net profit t o Rs188 crore for the quarter ended December 2010 against Rs. 142 crore the corr esponding quarter last year.[4] Kotak Mahindra bank also reached the top 100 mos t trusted brands of India in The Brand Trust Report published by Trust Research Advisory in 2011. Year Milestone 1986 Kotak Mahindra Finance Limited starts the activity of Bill Discounting 1987 Kotak Mahindra Finance Limited enters the Lease and Hire Purchase market 1990 The Auto Finance division is started 1991 The Investment Banking Division is started. Takes over FICOM, one of Ind ia's largest financial retail marketing networks 1992 Enters the Funds Syndication sector 1995 Brokerage and Distribution businesses incorporated into a separate compa ny - Securities. Investment Banking division incorporated into a separate compan

y - Kotak Mahindra Capital Company 1996 The Auto Finance Business is hived off into a separate company -Kotak Ma hindra Prime Limited (formerly known as Kotak Mahindra Primus Limited). Kotak Ma hindra takes a significant stake in Ford Credit Kotak Mahindra Limited, for fina ncing Ford vehicles. The launch of Matrix Information Services Limited marks the Group's entry into information distribution. 1998 Enters the mutual fund market with the launch of Kotak Mahindra Asset Ma nagement Company. 2000 Kotak Mahindra ties up with Old Mutual plc. for the Life Insurance busin ess. 2000 Kotak Securities launches its on-line broking site (now www.kotaksecurit ies.com). Commencement of private equity activity through setting up of Kotak Ma hindra Venture Capital Fund. 2001 Matrix sold to Friday Corporation 2001 Launches Insurance Services 2003 Kotak Mahindra Finance Ltd. converts to a commercial bank - the first In dian company to do so. 2004 Launches India Growth Fund, a private equity fund. 2005 Kotak Group realigns joint venture in Ford Credit; Buys Kotak Mahindra P rime (formerly known as Kotak Mahindra Primus Limited) and sells Ford credit Mah indra. 2005 Launches a real estate fund 2006 Bought the 25% stake held by Goldman Sachs in Kotak Mahindra Capital Com pany and Securities 2008 Launched a Pension Fund under the New Pension System 2009 Kotak Mahindra Bank Ltd. Opened a representative office in Dubai Entered Ahmedabad Commodity Exchange as anchor investor 2010 Ahmedabad Derivatives and Commodities Exchange, a Kotak anchored enterpr ise, became operational as a national commodity exchange.

Board of Directors Dr. Shankar Acharya, Non-Executive Part-time Chairman Mr. Uday Kotak, Executive Vice-Chairman and Managing Director Mr. Prakash Apte Mr. Amit Desai Mr. C. Jayaram, Executive Director Mr. Dipak Gupta, Executive Director Mr. Asim Ghosh Dr. Sudipto Mundle, Director in the Strategy & Policy Department, Mr. Narendra P. Sarda Chartered Accountant

Convenience Banking Anywhere, Anytime Banking In today's day and age time is money. You work hard and have a busy schedule. Do ing your banking should be easy and convenient and not add to your worries.

We at Kotak Mahindra Bank realize this and have specially tailored a wide range of value added products and services to make your money work for you. These, cou pled with the highest standard of customer care will make your life simpler and easier. Net Banking View details across Accounts, Term Deposits, Demat Accounts - 24x7 Kotak Payment Gateway Instant, convenient and secure way of shopping and making payments online. Mobile Banking Experience online banking - without a pc or internet connection. SMS Banking Carry your bank on your phone! Alerts Get Alerts on your mobile or by email for events that you would like to keep tra ck of. Phone Banking Our 24 hr customer service centre is at your service!

Kotak Mahindra Bank Home Loan Interest Rate 8.5% floatingPre payment charges2% Balance Transfer Charges (incase of refinance)2% Part-payment Charges Nil Switching Charges (Fixed to Floating or vice-a-versa) 1.75% - on principal outstanding Loan to Value ratio 85% Speed of Sanction 7 working days Ease of documentation Pre- Approved projects only. Less Documentation Customer Service Good Franking Charges0.2%

Products offered: Savings Accounts Ace Savings Account - Walk into any VISA ATM in India or abroad to withdraw cash or for balance enquiry. Transfer funds through Phone Banking or Net Banking. Ea rn better returns in your savings account, with our ActivMoney facility that aut omatically sweeps out idle funds, above a threshold, from your account into Term Deposits.

Pro Savings Account - We provide you a relationship manager who will specificall y take care of your banking and investment needs. You can open an investment acc ount, and use the Net Banking facility to purchase/redeem mutual funds online wh ile directly debiting / crediting your bank account. Edge Savings Account - Wide ATM access, Financial payments facilitated through t he savings account, Quick and easy funds transfer. Earn better returns in your s avings account, with our ActivMoney facility that automatically sweeps out idle funds, above a threshold, from your account into Term Deposits. Nova Savings Account - Greater ATM access through the Kotak Mahindra Bank Debit Card. Financial payments facilitated through the savings account. Quick and easy funds transfer. Quick funds transfer to a third party account with another bank is available across 15 locations through Net Banking. Classic Savings Account - Free ATM access all domestic VISA ATM network. Free in vestment account. Quick and easy funds transfer. ActivMoney and Dedicated relati onship manager Easy Savings Account (No Frills Account) - You need an easy to maintain, hasslefree savings avenue for your hard-earned money. We offer you the Kotak Easy Savi ngs Account, armed with 'user-friendly' Convenience Banking facilities. Use this service to access your bank account anywhere, anytime! It is quick and easy, av ailable to you 24X7 and it's absolutely free! Corporate Salary Account - Zero Balance account. Personalized At Par Cheque book . Reimbursement Account. Investment Account. Office Banking and Free Demand Draf ts. Also Free Access to over 17000 ATMs, Free Demand Drafts, Free At -Par Cheque Facility to Free Trading Account & Free Demat Account. Term Deposit Ease and convenience of operation Liquidity through overdraft or sweep-in facility No penalty on pre-mature encashment Nomination facility available

Current Accounts Edge Current Account - Free Business Debit Card, Electronic Fund Transfer, Free business debit card & Home Banking services PRO Current Account - Dedicated Relationship Manager, Free Demand Drafts and Out ward RTGS transactions, Free Chequebook and Free At-par Cheques, Free Cheque Col lection & Free Home Banking services ACE Current Account - Dedicated Relationship Manager, Free Demand Drafts and Out ward RTGS Transactions, Free At-par Cheques, Free Cheque Pick - up Services & Be tter Forex rates & Efficient Trade Services Loans Personal Loans - Avail loans from Rs.50,000-50 lakh*, Quick Approval & hassle-fr ee processing, Minimal paperwork, Flexible repayment options, Repay with easy EM Is, Convenience of service at your doorstep. Home Loans - Attractive interest rates, Pre-approved sanctions, Free personal ac cident insurance, Life insurance options on your Home Loans, No hidden charges Loans Against Property - High loan eligibility for businessmen, Free personal ac cident insurance, Loans amounts ranging from Rs.10 lakh - Rs.3 crore, Loans agai nst residential as well as commercial properties Credit Cards

Gold Debit Card - A world of privileges to match your style, status and lifestyl e. Global Debit Card - Convenient access to your account with the Global Debit Card . Best Compliments Card - Give a loved one the perfect gift - with the Kotak Mahin dra prepaid credit card! Netc@rd - Online shopping across the world is now easy, secure and within your r each! Access India Debit Card (NRO Card) - A domestic use only card for customers hold ing Non Resident (Ordinary) accounts. Investment Services Demat - Efficient depository services that allow you to hold your shares in conv enient, "demat" formats, Leverage opportunities in the stock-market when you spo t them. Mutual Funds - Assitance at every step of the investment process, An experienced research team to analyse and research the Mutual Funds available in the market. As well as Portfolio assistance Insurance - Experts to help you analyse your insurance needs and develop[ the so lution that works best for you

Kotak Smart Advantage Plan Kotak Eternal Life Plans Kotak Headstart Child Plans Kotak Safe Investment Plan II Kotak Flexi Plan Kotak Easy Growth Plan Kotak Capital Multiplier Plan Kotak Term Plan Kotak Preferred Term Plan Kotak Child Advantage Plan Kotak Retirement Income Plan Kotak Retirement Income Plan (Unit Linked) Kotak Endowment Plan Kotak Money Back Plan Kotak Premium Return Plan Riders Kotak Gold Eternity - 24 carat pure gold coins and bars carrying a 99.99% Assay Certification. Unique number on every certicard, with records maintained in Swit zerland

PRESENCE OF KOTAK-MAHINDRA

KOTAK MAHINDRA GROUP Kotak Mahindra is one of India's leading financial institutions, offering comple te financial solutions that encompass every sphere of life. From commercial bank ing, to stock broking, to mutual funds, to life insurance, to investment banking , the group caters to the financial needs of individuals and corporate. The group has a net worth of over Rs. 2,500 crore, employs around 6,700 people i n its various businesses and has a distribution network of branches, franchisees

, representative offices and satellite offices across 250 cities and towns in In dia and offices in New York, London, Dubai and Mauritius. The Group services ove r 1.6 million customer accounts. In October 2005, Kotak Group acquired the 40% stake in Kotak Prime held by Ford Credit International (FCI) and FCI Acquired the stake in Ford Credit Kotak Mahindra (FCKM) held by Kotak Group. In May 2006, Kotak Group bought 25% stake held by Goldman Sachs in Kotak Capital and Kotak Securities. KEY GROUP COMPANIES AND THEIR BUSINESSES Kotak Mahindra Bank The Kotak Mahindra Group s flagship company, Kotak Mahindra Finance Ltd which was established in 1985, was converted into a bank Kotak Mahindra Bank Ltd in March 2003 becoming the first Indian company to convert into a Bank. It s banking operat ions offers a central platform for customer relationships across the group s vario us businesses. The bank has a presence in the Commercial Vehicles, Retail Financ e, Corporate Banking, Treasury and Housing Finance. Kotak Mahindra Capital Company Kotak Mahindra Capital Company Limited (KMCC) is India's premier Investment Bank and a Primary Dealer (PD) approved by the RBI. KMCC's core business areas inclu de Equity Issuances, Mergers & Acquisitions, Structured Finance and Advisory Ser vices, Fixed Income Securities and Principal Business.

Kotak Securities Kotak Securities Ltd. is one of India's largest brokerage and securities distrib ution house in India. Over the years Kotak Securities has been one of the leadin g investment broking houses catering to the needs of both institutional and noninstitutional investor categories with presence all over the country through fra nchisees and coordinators. Kotak Securities Ltd. offers online and offline servi ces based on well-researched expertise and financial products to the non-institu tional investors. Kotak Mahindra Prime Kotak Mahindra Prime Limited (KMP) (formerly known as Kotak Mahindra Primus Limi ted) has been formed with the objective of financing the retail and wholesale tr ade of passenger and multi utility vehicles in India. KMP offers customers retai l finance for both new as well as used cars and wholesale finance to dealers in the automobile trade. KMP continues to be among the leading car finance companie s in India.

Kotak Mahindra Asset Management Company Kotak Mahindra Asset Management Company (KMAMC), a subsidiary of Kotak Mahindra Bank, is the asset manager for Kotak Mahindra Mutual Fund (KMMF). KMMF manages f unds in excess of Rs 10,000 crores and offers schemes catering to investors with varying risk- return profiles. It was the first fund house in the country to la unch a dedicated gilt scheme investing only in government securities. Kotak Mahindra Old Mutual Life Insurance Limited Kotak Mahindra Old Mutual Life Insurance Limited is a joint venture between Kota

k Mahindra Bank Ltd. and Old Mutual plc. Kotak Life Insurance helps customers to take important financial decisions at every stage in life by offering them a wi de range of innovative life insurance products, to make them financially indepen dent.

Savings Accounts Choose the Account best suited to your needs Our Savings Accounts are designed to ensure you receive the benefits of quick & convenient banking transactions along with options for your money to earn high r eturns. The savings account goes beyond the traditional role of savings, to prov ide you a range of services from funds transfer options to online payments of bi lls to attractive returns earned through a comprehensive suite of investment opt ions. Learn more about Savings Accounts: Ace Savings Account Pro Savings Account Edge Savings Account Nova Savings Account Classic Savings Account Easy Savings Account Corporate Salary Account

1........Ace Savings Account The Kotak Ace Savings Account with maximum free banking services. This top end Savings Account variant is suited for those who would like to avail maximum banking and investment related benefits, over and above the numerous FR EE services provided by the Kotak Pro Savings Account. Some of the extra benefits of the Kotak Ace Savings Account include: Free Access to all Domestic and International VISA ATMs Free Gold Debit Card Free Add-on and Supplementary Gold Debit Card Three NMC Waived Edge Savings Accounts for family members* Free Demand Drafts (Unlimited at Kotak locations) Free RTGS Extended Debit Card withdrawal limit of Rs. 1.75 lac per day through ATM / POS 15% Discount on Locker Rent * 2% Discount on Gold Eternity Coins & Bars* Waiver on first year Demat Annual maintenance charge Free outstation cheque collection

2.......Pro Savings Account

This account is ideally suited for those who are interested in availing banking related benefits, as well as taking advantage of the numerous FREE services prov ided by the Kotak Pro Savings Account. Some of the key advantages of the Kotak Pro Savings Account include: Free Access to all Domestic VISA ATMs Free Gold Debit Card for 1st Year Free Classic Debit Card One NMC Waived Edge Savings Account for your family member* Free cash pick-up / delivery (One Call per day) Free instrument pick-up / delivery (One Call per day) Free NEFT Free Cash withdrawal from any Kotak Branch across India. 50 % Discount on first year Demat AMC

3..........Edge Savings Account The Kotak Edge Savings Account with peace of mind. This account is ideally suited for those who are interested in availing of the b anking related benefits, without the additional FREE services provided by the Ko tak Pro Savings Account. Some of the key benefits of the Kotak Edge Savings Account include: Free Access to all Domestic VISA ATMs Free Classic Debit Card for 1st Year Free At-par Cheque (upto 25 leaves per qtr.) Free Phone Banking, Net Banking, Mobile Banking and SMS Banking Free NEFT

4........Nova Savings Account Kotak Mahindra Bank's Nova Savings Account is a complete financial package custo mized to suit your individual banking needs. Our constant endeavour is to enable regular financial transactions through our online platform so that most of your payments can be made directly through your account or card. Key Features Unlimited Access Financial payments facilitated through the savings account Quick and easy funds transfer 5.........Classic Savings Account Kotak Mahindra Bank's Classic Savings Account is an account features to provide you a superior banking experience at a ance requirement. We provide you a relationship manager who ke care of your banking and investment needs. Try the benefits of this account and you will never want to Key Features Unlimited Access Free investment account Quick and easy funds transfer ActivMoney Dedicated relationship manager packed with powerful very comfortable bal will specifically ta bank elsewhere!

6.........Easy Savings Account You need an easy to maintain, hassle-free savings avenue for your hard-earned mo ney. We offer you the Kotak Easy Savings Account, armed with 'user-friendly' Con venience Banking facilities. The Kotak Easy Savings Account is a convenient way to make your money work harder. Key Features Easy to maintain, hassle-free savings avenue

7........Corporate Salary Account Key Features Zero Balance account Personalized At Par Cheque book Reimbursement Account Investment Account Office Banking Free Demand Drafts

Current Accounts Accounts deigned for small-mid size business or an enterprise Neo Current Account Key Features Charges reversal offer upto 1000 rupees p.a.! Unsecured overdraft facility upto Rs. 10 lakhs! Free Cash Deposit at Home Branch! Debit Card with Access at all Domestic VISA and Cashnet ATMs! SMS Requests and Alerts Service! Edge current account Key Features Charges reversal offer upto 1000 rupees p.a.! Unsecured overdraft facility upto Rs. 10 lakhs! Free Cash Deposit at Home Branch! Debit Card with Access at all Domestic VISA and Cashnet ATMs! SMS Requests and Alerts Service! Pro Current Account Key Features Free DDs, NEFT, RTGS & at - par cheque book Free cheque collection Free cash deposit at home branch Free Home Banking service Kotak ActivMoney Unsecured overdraft facility upto Rs.10 lakhs

Elite Current Account Key Features Free DDs, NEFT, RTGS & at - par cheque book Free cheque collection Free cash deposit at home branch Free Home Banking service Kotak ActivMoney Unsecured overdraft facility upto Rs.10 lakhs Ace Current Account Key Features Free DDs, NEFT, RTGS & at - par cheque book Free cheque collection & free cheque returns Free cash deposit at home branch Free Home Banking service Kotak ActivMoney Unsecured overdraft facility upto Rs.10 lakhs

Term Deposits Term Deposit with highly attractive interest rates Term Deposits Term Deposit with highly attractive interest rates Key Features Ease and convenience of operation Liquidity through overdraft or sweep-in facility No penalty on pre-mature encashment Nomination facility available

Regular Term Deposits Key Features Ease and convenience of operation Liquidity through overdraft or sweep-in facility No penalty on pre-mature encashment Nomination facility available Greater flexibility of tenure Place your deposit for any tenure between 7 days to 10 years (Minimum 15 days fo r amount less than 15 Lacs & minimum 181 days monthly payout term deposit). Senior Citizen Deposits To facilitate senior citizens with maximum returns over Term Deposits, Kotak Mah indra Bank offers special rates on these deposits. All Resident Indians Individu als, above 60 years of age can avail benefits of this scheme. Key Features Ease and convenience of operation Liquidity through overdraft or sweep-in facility

No penalty on pre-mature encashment Nomination facility available Ace Deposits Kotak Mahindra Bank presents Ace Deposit - a composite product, where monthly in terest earned on your Term Deposit is invested in an equity mutual fund thereby creating an avenue for earning market linked returns, while enjoying the safety features of a fixed deposit on the principal amount. Protection of principal Under Ace Deposit, while the interest earned on the term deposit follows the pat tern of returns of equity mutual fund, original principal is amount is safeguard ed. Tax Saving Deposits Term Deposit with highly attractive interest rates Save tax along with great returns over the investment in Kotak Mahindra Bank's T ax Saving Term Deposits. The regular Tax Saving products are available to all re sident individuals, HUFs and Minors and the senior citizens' Tax Saving products are available to resident individuals above the age of 60 years. Reap the benefits of Tax Saving on an amount between Rs. 100 to 100,000 in multi ples of Rs. 100. Choose to receive interest quarterly or keep it invested till maturity. Tax Saving Deposit can be booked for min 5 year up to 10 year. Interest rates for Tax Saving TDs for general customers as well as senior citize n are applicable as per their normal schedule. Partial withdrawal / premature withdrawal are not allowed. TDS will be applicable as per existing guidelines. Nomination facility is available.

Safe Deposit Lockers Be at peace when your valuables are in our lockers Kotak Mahindra Bank offers you Safe Deposit Locker facilities which can be utili zed to safe keep your important documents, jewellery and other valuables. Key Features Easy availability and access Convenient sizes Hassle-free payment Nomination for Safe deposit Lockers Features & Benefits Easy availability and access You can plan your visit and access your locker on all working days during bankin g hours. Convenient sizes Choose your own locker size, from a range of options - small, medium and large.

Loans Loans that help you fulfill all your financial needs Kotak Mahindra Bank presents Personal Finance - the single expert source for all your financial needs. Unexpected expenses, education, wedding in the family, ho me improvement or that long awaited vacation. Learn more about Loans: Home Loans

Personal Loans Car Loans Loan against property Home Improvement Loans Home Loan Balance Transfer Kotak Stock Ace home loans... At Kotak Mahindra Bank, Home buying is an emotional decision and one must find t he right partner to guide you through the course. Key Features High Eligibility for Businessmen Doorstep Service Attractive Interest Rates Simplified Documentation Quicker Turnaround time Insurance Options to cover your home loans at attractive premium Personal Loans Whatever the occasion, The procedure is simple, documentation is minimal and ap proval is quick. Key Features Avail loans from Rs.50,000-50 lakh* Quick Approval & hassle-free processing Minimal paperwork Flexible repayment options Repay with easy EMIs Convenience of service at your doorstep

Loan against property Unlock the potential in your property and - benefit with lower interest rates Unlock the potential in your property by availing a Loan Against Property (LAP). A LAP is a loan given against the security of your existing property Key Features High loan eligibility for businessmen Loans amounts ranging from Rs.10 lakh - Rs.3 crore! Loans against residential as well as commercial properties Home Improvement Loans Make your home a better place to reside in With Kotak Home Improvement Loans, you can make your home a better one to reside in. Key Features Improve your home Build up its equity Attractive interest rates Free personal accident cover with every loan Kotak Stock Ace Provides you the power of instant liquidity Kotak Stock Ace provides gives you the opportunity to capitalize on your investm

ents by providing liquidity against your investment in marketable securities lik e equity shares, mutual funds, etc by way of an overdraft facility. In addition you can enjoy the benefits of our current account & convenience bank ing like: Key Features Multi-city banking Complete online access to your funds, for banking and investment ease Debit Card Access to the entire ATM network 24/7 free Phone Banking service SMS Alerts Service and more

Cards Simple. Transparent. Powerful. Secure. Learn more about Cards: Credit Cards Global Debit Cards Best Compliments Card Kotak netc@rd Kotak World Travel Card Best Compliments Card Give a loved one the perfect gift - with the Kotak Mahindra prepaid credit card! Key Features Easy and convenient No prior banking relationship required Available in denomination of Rs.500 to Rs.50,000 Attractively packaged and ready to gift Kotak netc@rd Key Features Unique payment service that offers complete security while shopping on the Inter net Shop on any website that accepts VISA cards FREE of Charge! Features & Benefits Universal Acceptance shop on any website that accepts VISA cards* Enhanced Security This is a single use card and automatically expires after 24 - 48 Hrs and cannot be used after a successful transaction No Charges There are no fees for creation or use of Kotak netc@rd Kotak World Travel Card Key Features Available in 4 currencies (USD, EURO, GBP & AUD) Accepted worldwide at all Visa accepting merchant outlets and ATMs Offered in two variants: Corporate Card and Retail Card Separate web-login to manage your prepaid card account from any where in world. Issued with a Secondary Card that can be activated immediately in the event of t he Primary Card being lost, stolen or damaged

SMS & e-mail alerts for every transaction.

Salaried Individual Application form with recent photograph Salary slip of last 3 months Latest Form 16 Bank statement for last 6 months Processing fee check Proof of identity (any one): Passport Driving licence/photo credit card/Employee licence/Voter's ID/PAN card Proof of Residence (any one): Driving licence/Any utility bill/Govt. or authorit y bill Proof of age (any one) : Passport/Voter's ID/PAN card/' Birth certificate/life i nsurance policy or premium receipt Signature verification proof Repayment track record of existing loans/Loan closure letter

Self Employed Application form with recent photograph Bank statement for last 6 months Processing fee check Proof of age (any one) : Passport/Voter's ID/PAN card/'Birth certificate/life in surance policy or premium receipt Proof of identity (any one): Passport Driving licence/photo credit card/Employee licence/Voter's ID/PAN card Proof of Residence (any one): Driving licence/Any utility bill/Govt. or authorit y bill P&L and balance Sheet for last 2 years certified/audited by CA Qualification proof of the highest professional degree Proof of existence Income Tax return/Computation of total income/Auditor's Report Balance sheet/Pro fit and loss account for last 2 years certified by CA Repayment track record of existing loans/Loan closure letter Proof of office address Board Resolution in case of company