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Katak Mahindra bank

Introduction

Kotak Mahindra Bank (BSE: 500247, NSE: KOTAKBANK) is an Indian financial service firm established in 1985. It was previously known as Kotak Mahindra Finance Limited, a non-banking financial company. 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). Kotak Mahindra Finance Ltd. is the first company in the Indian banking history to convert to a bank. Today it has more than 20,000 employees and Rs. 10,000 crore in revenue.[2] Mr. Uday Kotak is Executive Vice Chairman & Managing Director of Kotak Mahindra Bank Ltd. In July 2011 Mr. C. Jayaram and Mr. Dipak Gupta, whole time directors of the Bank, were appointed the Joint Managing Directors of Kotak Mahindra Bank. Dr.Shankar Acharya is the chairman of board of Directors in the company Uday Kotak (born 15 March 1959) is an Indian businessman. He is the vice-chairman and managing director of Kotak Mahindra Bank. He owns a 50% stake in Kotak Mahindra Bank, which he founded and runs. Forbes estimated his wealth to be $4.1 billion in 2012.[1] In 2006 he ended a 14 year partnership with Goldman Sachs by acquiring its 25% stake in two subsidiaries for $72 million.[2]
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Research and methology Data is collected from primary as well as secondary source. And profiles given by the bank & thenrandomly members selected from total report given. For primary data customer were personallyintervened and for secondary data. Annual report, journals, internet and personal interview. METHODOLOGY The methodology adopted in conducting this survey was quite simple. First there was collection of data from various sources including personal interview. Then after scanning and properly analyzingand interpreting the information available on hand, a final report was prepared. RESEARCH DESIGN Type of Research: Descriptive research Descriptive research is also called Statistical Research. The main goal of this type of research is todescribe the data and characteristics about what is being studied. The idea behind this type of research is to study frequencies, averages, and other statistical calculations. Although this researchis highly accurate, it does not gather the causes behind a situation.The regular interaction with the Customers and the Line Managers revealed about the variousstrategies involved in performing business activities and gathering data using various techniquesand software applicationsDescriptive research includes Surveys and fact-finding enquiries of different kinds. The maincharacteristic of this method is that the researcher has no control over the variables; he can onlyreport what has happened or what is happening. DATA SOURCES There are two types of data PRIMARY DATA The data that is collected first hand by someone specifically for the purpose of facilitating the studyis known as primary data. So in this research the data is collected from respondents throughquestionnaire. SECONDARY DATA For the company information I had used secondary data like brochures, web site of the companyetc.The Method used by me is Survey Method as the research done is Descriptive Research.
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RESEARCH INSTRUMENTS Selected instrument for Data Collection for Survey is Questionnaire. SAMPLE SIZE The survey is conducted among 150 respondents.Simple statistical tools have been used in the present study to analyze and interpret the datacollected from the field. The study has used percentile method and the data are presented in theform of diagrams SCOPE OF THE STUDY Access the Market Potential of Kotak Mahindra Bank Saving Account with the help of a surveyconducted on a total of 150 Respondents (50Kotak Mahindra Bank customers, 100-Other Bankscustomers) LIMITATIONS The study could not be made that comprehensive due to time constraints. Some customers feeluncomfortable to reveal some personal information relating to income, Privacy etc. it might havehappened that some more essential information could have been collected. Time constraint. Biases and non-cooperation of the respondents. Financial constraint. Geographical selectivity in study limiting to Delhi city only. People are not interested in giving personal opinion.

INTRODUCTIO N

Think Investment Think Kotak Banks like Kotak Mahindra, standard chartered, ICICI, HDFC, and Citibank now bring your BankAccount and Debit card to your fingertips. With Mobile commerce, you can perform a wide range of query-based transactions from your Mobile Phone, without even making a call.Kotak Mahindra is one of India's leading financial institutions, offering complete financial solutionsthat 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 andcorporate.The group has a net worth of over Rs.1, 800 crore and employs over 4,400 employees in itsvarious businesses. With a presence in 82 cities in India and offices in New York, London, Dubaiand Mauritius, it services a customer base of over 5, 00,000.Kotak Mahindra has international partnerships with Goldman Sachs (one of the world's largestinvestment banks and brokerage firms) and Old Mutual (a large insurance, banking and assetmanagement conglomerate).The Kotak Mahindra Group was born in 1985 as Kotak Capital Management Finance Limited. Thiscompany was promoted by Uday Kotak , Sidney A. Pinto and Kotak & Company. Industrialists Harish Mahindra and Anand Mahindra took a stake in 1986, and that's when the company changedits name to Kotak MahindraFinance Limited. Since then it's been a steady and confident journey to growth and success.

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 Indiaslargest financial retail marketing networks 1992 : Enters the Funds Syndication sector 1995
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: Brokerage and Distribution businesses incorporated into a separate company -Kotak Securities. Investment Banking division incorporated into a separate company - KotakMahindra Capital Company 1996 : The Auto Finance Business is hived off into a separate company - Kotak MahindraPrimus Limited. Kotak Mahindra takes a significant stake in Ford Credit Kotak MahindraLimited, for financing Ford vehicles. The launch of Matrix Information Services Limitedmarks the Groups entry into information distribution. 1998 : E nt e rs t h e mu t u a l fu nd m a r ke t w i t h t h e l a u nc h o f K ot a k M a h i nd ra A s se t Management Company. 2000 : Kotak Mahindra ties up with Old Mutual plc. for the Life Insurance business.Kotak Securities launches kotakstreet.com - its on-line broking site. Forma

commencement of private equity activity through setting up of Kotak Mahindra VentureCapital Fund. 2003 : Kotak Mahindra Finance Ltd. Converts to bank

COMPANYS PROFILE Established in 1984, The Kotak Mahindra Group has long been one of Indias most reputedfinancial organizations. In Feb 2003, Kotak Mahindra Finance Ltd., the groups flagship companywas 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 company in India toconvert to a bank. The license authorizing t he bank to carry on banking business has beenobtained from the RBI in tune with Section 22 of the Banking Regulation Act 1949.KMBL was promoted by Mr. Uday.S.Kotak, Kotak and Company Ltd and Mr. Sidney &A.A.Pintounder the name of Kotak Capital Management Finance Ltd on 21st Nov 1985 and obtained aCertificate of Commencement of Business on 11th Feb 1986. The bank customers have access to entire VISA n e t w o r k o f 4 5 0 0 A T M S i n I n d i a a n d 800000ATMS worldwide accepted in more than 56000 establishments across India and 10 millionworldwide. The customer also has access to over 800 ATMs with sharing arrangements with UTIBANK, of these 125 are in the NCR. Key group companies and their businesses 1)Kotak Mahindra Bank T h e K ot a k M a h i n d ra G rou p ' s fl a g sh i p c om p a ny , K ot a k M a h i nd ra F i na nc e L t d w h i c h w a s established in 1985, was converted into a bank- Kotak Mahindra Bank Ltd in March 2003 becomingthe first Indian company to convert into a Bank. Its banking operations offer a central platform for c u st o me r re l a t i o n sh i p s a c ro ss t h e g rou p ' s v a ri ou s b u si n e ss e s . Th e b a n k h a s p re se nc e i n Commercial Vehicles, Retail Finance, Corporate Banking, Treasury and Housing Finance. Kotak Mahindra Capital Company Kotak Mahindra Capital Company Limited (KMCC) is India's premier Investment Bank. KMCC'score business areas include Equity Issuances, Mergers & Acquisitions, Structured Finance andAdvisory Services. 2)Kotak Securities Kotak Securities Ltd. is one of India's largest brokerage and securities distribution houses. Over the years, Kotak Securities has been one of the leading investment broking houses catering to theneeds of both institutional and non-institutional investor categories with presence
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all over the country through franchisees and coordinators. Kotak Securities Ltd. offers online and offlineservices based on well-researched expertise and financial products to non-institutional investors. 3)Kotak Mahindra Prime Kotak Mahindra Prime Limited (KMP) (formerly known as Kotak Mahindra Primus Limited) hasbeen formed with the objective of financing the retail and wholesale trade of passenger and multiutility vehicles in India. KMP offers customers retail finance for both new as well as used cars andwholesale finance to dealers in the automobile trade. KMP continues to be among the leading car finance companies in India. 4)Kotak Mahindra Asset Management Company Kotak Mahindra Asset Management Company Kotak Mahindra Asset Management Company(KMAMC), a subsidiary of Kotak Mahindra Bank, is the asset manager for Kotak Mahindra MutualFund (KMMF). KMMF manages funds in excess of Rs 20,800 crore and offers schemes catering toinvestors with varying risk-return profiles. It was the first fund house in the country to launch adedicated gilt scheme investing only in government securities. 5)Kotak Mahindra Old Mutual Life Insurance Limited Kotak Mahindra Old Mutual Life Insurance Limited is a joint venture between Kotak Mahindra BankLtd. and Old Mutual plc. Kotak Life Insurance helps customers to take important financial decisionsat every stage in life by offering them a wide range of innovative life insurance products, to makethem financially independent.

BOARD OF DIRECTORS Mr. K.M.Gherda Executive Chairman Mr. Uday Kotak Executive Vice Chairman and Managing Director Mr. Anand Mahindra Co Promoter of Kotak Mahindra Bank andVice Chairman and Managing Director of Mahindra and Mahindra Mr. Cyril Shroff Co Promoter Mr. Pradeep N Kotak Agri Division of Kotak and Company Limited Dr. Shanker Acharya Mr. Shivaji Dam Managing Director Kotak Mahindra Old Mutual Life Insurance Limited Mr. C.Jayaram Executive Director Mr. Dipak Gupta Executive Director Dr. Shanker Acharya Mr. Shivaji Dam Managing Director Kotak Mahindra Old Mutual Life Insurance Limited Mr. C.Jayaram Executive Director Mr. Dipak Gupta Executive Director

Product Detail Kotak Mahindra Bank is one of the prominent subsidiaries of Kotak Mahindragroup. The activities of the company being parallel to its objective are verywide and cover all the components of a Bank. The Basic area of Operationsis the Banking business, other products are meant for the regular revenuegeneration. Being a Banking house, the company is in regular touch withBanking Accounts, Investment Services, Convenience Banking and Other Services. They offer complete solutions that address all your financial requirements, whether you're anindividual or a firm. From everyday banking to long term investments their offering covers it all.This wide range of products is delivered to you with a genuine understanding of your specific needand warm, personalised service Kotak Mahindra Bank, it's not about selling you many different products it's about working out aholistic, pragmatic solution that addresses your financial needs. Through their varied products,theycommit themselves to becoming banker to the customer rather than being asset financier to our customers banking accounts There are three types of banking account: Savings Account Current Account Term DepositSAVINGS ACCOUNT Choose from our range of Savings Accounts K OT A K MA HI N DR A h a s g ot a v a ri e t y o f op t i o n s of sa v i ng s a c c ou nt s t o c h oo se f r om f or i t s customers according to their convenience and requirements .These savings accounts offer attractive returns along with personalized banking services at three convenient average quarterlybalances(AQB)levels of Rs. 10000 (KOTAK EDGE SAVINGS ACCOUNT),Rs. 20000 (KOTAKPRO SAVINGS ACCOUNT) and at Rs75000(KOTAK ACE SAVINGS ACCOUNT).The average

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quarterly balance levels as well the corresponding services and benefits try to ensure the variouscustomer needs and requirements.Thus the three account opening options in savings account are as mentioned above: EDGE SAVINGS ACCOUNT : Kotak Mahindra Banks Edge Savings Account is acomplete financial package customized to suit individual banking needs. Its constantendeavour is to enable regular financial transactions through online platform so that most of payments can be made directly through your account or card. Features & Benefits Wide ATM access through the Kotak Mahindra Bank Debit Card-One can walk into any KOTAK or HDFC Bank ATMs to withdraw cash or enquire balance at noextra charge! Multiple Access Channels Access-An account through phone, mobile phone or internet to get information about account balance or track transactions. One can even transfer funds through Phone Banking or Net Banking. Financial payments facilitated through the savings account-Use the free Payment Gateway to make online payments for utility bills, credit cards, online tradingof shares or even online shopping. Quick and easy funds transfer -Quick funds transfer to a third party account with another Bank is available across 15 locationsthrough Net Banking. Also get a multi-city cheque book so that money from account is received bythe beneficiary in the fastest possible time. Free investment account-One can open an investment account, and use the Net Banking facility to purchase/redeem mutualfu nd s o nl i n e w h i l e d i re c t l y d e b i t i n g / c r e d i t i ng y ou r B a n k A c c ou nt . B e si d e s t h i s y ou g e t a consolidated view of all your mutual fund investments across schemes with updated returns status,latest NAV information and research reports. Attractive returns-Earn better returns in your savings account, with our 2-Way Sweep facility that automaticallysweeps out idle funds, above a threshold, from your account into Term Deposits. These TermDeposits sweep back into your account to meet fund requirements when
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your withdrawals exceedthe balance available in your account, thereby providing you maximum liquidity. PROSAVINGSACCOUNT: Kotak Mahindra Banks Pro Savings Account is an account packed with powerful features toprovide a superior banking experience at a very comfortable balance requirement. They provide a relationship manager who will specifically take care of banking and investment needs. Features & Benefits Free ATM access all domestic VISA ATM network-Walk into any VISA ATM in India to check balance or withdraw cash absolutely free. no longer have to worry about locating your Bank or Partner Bank ATM Use the first VISA ATM that youspot, for cash withdrawal or balance enquiry transactions. Multiple access channels-Access your account through phone, mobile phone or internet to get information on your accountbalance or track your transactions. You can even transfer funds through Phone Banking or NetBanking. Free investment account-One can open an investment account, and use the Net Banking facility to purchase/redeem mutualfunds online while directly debiting / crediting bank account. Besides this get a consolidated viewof all the mutual fund investments across schemes with updated returns status, latest NAVinformation and research reports Financial payments facilitated through the savings account-Use our free Payment Gateway to make online payments for utility bills, credit cards, online tradingof shares or even online shopping. Quick and easy funds transfer -Quick funds transfer to a third party account with another Bank is available across 15 locationsthrough Net Banking. Also get a multi-city cheque book so that money from account is received bythe beneficiary in the fastest possible time

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Attractive returns-Earn better returns in your savings account, with our 2-Way Sweep facility that automaticallysweeps out idle funds, above a threshold, from your account into Term Deposits. These TermDeposits sweep back into your account to meet fund requirements when your withdrawals exceedthe balance available in your account, thereby providing you maximum liquidity. Dedicated relationship manager -You get a one point contact for all your banking related queries and transactions. Your relationshipmanager will also help you with financial planning and sound investment decisions. Free banking transactions-You can issue demand drafts or send cheques for collection on branch locations without anycharge to your account. ACESAVINGSACOUNT Kotak Mahindra Bank's Ace Savings Account has been designed as a gateway to a world of financial benefits and privileged banking transactions. The account carries benefits ranging frompersonal investment advisory services to concierge services to free banking transactions. Onewillfind that this package of services and privileges is unmatched by any other savings account in themarket. Features & Benefits Free access at all domestic and international VISA ATMs-No longer have to worry about locating your Bank or Partner Bank ATM - Use the first VISA ATMthat you spot, for free cash withdrawal or balance enquiry transactions. So walk into any VISA ATMin India or abroad to withdraw cash or for balance enquiry. Multiple access channels-Access the account anytime through land line, mobile phone or internet to get information onaccount balance or track transactions. One can even transfer funds through Phone Banking or NetBanking. Financial payments facilitated through the savings account Use the free Kotak Payment Gateway to make online payments for utility bills, credit cards, onlinetrading of shares or even online shopping. All this at the click of a mouse! Quick and easy funds transfer -Transfer funds easily and with speed, to a beneficiary account at another bank. One can avail of this facility by walking into any of branches or by simple logging on to Net Banking. Also get a
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freemulti-city cheque book so that money from your account is transferred to the beneficiary's accountat any of branch locations, in the fastest possible time. Free banking transactions-One can issue demand drafts or send cheques for collection at all branches for no extra charge. Financial payments facilitated through the savings account Use our free Payment Gateway to make online payments for utility bills, credit cards, online tradingof shares or even online shopping. Quick and easy funds transfer Quick funds transfer to a third party account with another Bank is available across 15 locationsthrough Net Banking. Also get a multi-city cheque book so that money from account is received bythe beneficiary in the fastest possible time Attractive returns-Earn better returns in your savings account, with our 2-Way Sweep facility that automaticallysweeps out idle funds, above a threshold, from your account into Term Deposits. These TermDeposits sweep back into your account to meet fund requirements when your withdrawals exceedthe balance available in your account, thereby providing you maximum liquidity. Dedicated relationship manager You get a one point contact for all your banking related queries and transactions. Your relationshipmanager will also help you with financial planning and sound investment decisions. Free banking transactions You can issue demand drafts or send cheques for collection on branch locations without anycharge to your account.

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CURRENT ACCOUNT Kotak Mahindra Bank offers unparalleled advantages with its three Current Account offerings.Whether small/ mid size business or an enterprise spread across multiple locations in the country,would find a Current Account that's just designed for you. These Current accounts offer attractivere t u r ns a l o ng w i t h p e r so n a l i z e d b a n ki ng se rv i c e s a t t h re e c o nv e ni e nt a v e r a g e q u a rt e r l y balances(AQB)levels of Rs. 25000 (KOTAK EDGE SAVINGS ACCOUNT),Rs. 50000 (KOTAK PRO SAVINGS ACCOUNT) and at Rs250000(KOTAK ACE SAVINGS ACCOUNT).The averagequarterly balance levels as well the corresponding services and benefits try to ensure the variouscustomer needs and requirements. With features ranging from Free DDs, Free Cheque Collection,Free At -Par Cheque facility to Free Trading Account & free Demat Account, and more!Thus the three account opening options in savings account are as mentioned above: Edge Current Account In need of a well equipped bank account to keep pace in all the business endeavors. They offer the Kotak Edge Current Account, armed with Kotak 2-Way Sweep and the entire gamut of BankingPrivileges, providing that extra edge to get ahead. The feature rich Kotak Edge Current Account isthe ideal way to make money work harder. Features & Benefits Multi City Banking Current account/s with Kotak Mahindra Bank will be recognized in every other branch. One can justwalk into a Kotak Mahindra Bank branch in any of our branches across country to satisfy all thebanking needs. 2 -Way Sweep* : Term Deposit linked Current Account Kotak 2-Way Sweep ensures that money never stops working for you. Daily balances, above athreshold level, in Current Account are automatically swept out into Term Deposits (TD). This'swept out amount' is brought back into account to meet fund requirements when withdrawalse x c e e d t h e b a l a nc e a v a i l a b l e i n t h e a c c ou nt ( or w h e n t h e a c c ou n t b a l a nc e g oe s b e l ow t h e specified threshold level.) With Kotak 2-Way Sweep you enjoy the twin advantages of attractivereturns & maximum liquidity.

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Free Demand Drafts and Pay Orders Enjoy the benefit of our free Demand Drafts, payable at Kotak Mahindra Bank Branch location inIndia. At-par Cheques Get free At-par Cheques that are treated as 'local clearing' cheques across all branch locations. Allthese at nominal costs. Cheque Collection All Outstation cheques, drawn on any of branch locations, are collected 'at nominal charge' for you.The strong network of correspondent banks enables us to collect cheques from 1600 locationsacross India at faster speed and minimal cost Mobile Banking and Alerts Our Mobile Banking & Alerts service enables to access bank account on Mobile Phone. One canaccess all your standing instructions (SI), any large credits or debits, available balance, balancebelow AQB, any SI failure and SIs successfully executed will be intimated to you via SMS

PRO Current Account You need a well equipped bank account to keep pace with you in the ever changing businessscenario. We offer you the Kotak Pro Current Account, armed with Kotak 2-Way Sweep, as well asan entire gamut of Banking Privileges and 'user-friendly' Convenience Banking facilities. Thefeature rich Kotak Pro Current Account is the ideal way to make your money work harder . Key Features Dedicated Relationship Manager Free Demand Drafts & Pay Orders Free At Home Services Better Forex rates and Efficient Trade Services

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ACE Current Account In the need of a well equipped bank account to keep pace with you in the ever changing business scenario. They offer you the Kotak Ace Current Account, armed with Business benefits andexclusive Ace Privileges and an entire gamut of banking conveniences especially designed for you.The feature rich Kotak Ace Account is the ideal way to make money work harder Term Deposits Key Features Ease and convenience of operation Liquidity through overdraft or sweep-in facility No penalty on pre-mature encashment Nomination facility availableGive your portfolio stability of returns and safety and liquidity. Invest in Kotak Bank Term Deposit. Itoffer attractive returns on term deposits and investing in them is really simple and convenient. Features & Benefits Ease and convenience of operation For the first time in India, New to Bank customer can also apply online for term deposit.An existing customer,can place a term deposit through Phone Banking or Net Banking. What's more, one can even renew this deposit by placing an instruction over phone. Needless to mention,he can do all this and more by walking across into any of branches. Liquidity through overdraft or sweep-in facility Deposit will be available to you should you need them in case of an emergency. One can avail upto85% overdraft against term by paying 2% above deposit rate. This facility is available for depositsabove Rs.50,000 for a tenure of 181 days or more. One can also choose to link termd e p o si t t o s a v i ng s / c u r re nt a c c ou nt , w h e re b y i f ne e d b e , t e rm d e p o si t w i l l a u t o ma t i c a l l y b e encashed to meet withdrawal requirement.

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No penalty on pre-mature encashmen In case term deposit is pre-maturely encashed,one will earn interest at the rate prevailing on thedate of deposit for the withdrawn amount. Nomination facility available One can avail this facility for each & every account that open with us i.e. nominate differentp e r so n s fo r d i f fe re nt t e r m d e p o si t a c c ou nt s c a n c h o os e t o c h a ng e t h e n omi ne e t h r ou g h a declaration in the appropriate form to revise the nomination during the term of the deposit In case term deposit is pre-maturely encashed,one will earn interest at the rate prevailing on thedate of deposit for the withdrawn amount. Nomination facility available One can avail this facility for each & every account that open with us i.e. nominate differentp e r so n s fo r d i f fe re nt t e r m d e p o si t a c c ou nt s c a n c h o os e t o c h a ng e t h e n omi ne e t h r ou g h a declaration in the appropriate form to revise the nomination during the term of the deposit. Investments Making your money grow At Kotak Mahindra Bank,can recognise that financial needs vary, not just amongst individuals, butacross the different stages of your life. They have years of experience in helping people puttogether an investment portfolio that works best for them. DEMAT Key Features Efficient depository services that allow you to hold your shares in convenient, "demat"formats Leverage opportunities in the stock-market when you spot themIt offers streamlined, efficient depository services that allow to hold shares in the convenient"demat" formats and leverage opportunities in the stock-market when you spot them Being abrokerage house, the company is in regular touch with the share market and its relative indexes like NSE &BSE, NCDEX. NSDL, CSDL. Lets understand the relative terms :

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SEBI (Stock Exchange board of India)It check out on NSE and BSE and all type of share trading (Both primary andsecondary market) NSE &BSE : - Kotak Mahindra Bank allows to costumer to trade in share withNSE and BSE both (in primary and secondary market both). In BSE costumer can trade in 2452 stocks and in NSE costumer can trade in 933 companies.The index of NSE is Nifty and for BSE Sensex NSDL AND CSDL Kotak Mahindra Bank allow to costumer to invest in mutual fund and bonds. NSDL(National security depository limited) and CSDL (Central security depositorylimited check out on this type of investment

MCX AND NCDEX Kotak Mahindra Bank also allow to costumer to trade in commodity by MCX (MultiCommodity exchange) and NCDEX (National Commodity daily exchange. InNCDEX 55 commodity are to trade

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PRODUCTS OFFERED BY KOTAK MAHINRA BANK The following are the various products of Kotak Mahindra Bank: DEMAT & ON LINE TRADING ACCOUNT: The 3-in-1 account integrates your banking, broking and demat accounts. This enables you totrade in shares without going through the hassles of tracking settlement cycles, writing chequesand Transfer Instructions, chasing your broker for cheques or Transfer Instructions etc. INITIAL PUBLIC OFFERS(IPOS) In the above products we have discussed investment in equity throughsecondary markets .another way of investing in equity markets is through theprimary market route .whenever a company comes out with an initial publicoffering you may choose to apply for the share. Based on number of validapplication received, the company would then allot the share to applicants.The offline way of investing in an IPO is by filling physical application forms,cheques. And submitting the forms through your broker. With KOTAK MAHINDRA BANK all you have to do is filling number of share on the site andsubmit. DERIVATIVES Customers with different types of risk profile can use derivatives. Hedging the cash market position ideal for low risk profile. Taking advantage of arbitrage opportunity in equity and derivativesmarkets ideal for low risk profile Taking a view on stock/index for as long as 3 month period mediumrisk profile Speculative trading-high risk profileKOTAK MAHINDRA BANK offers online investment in future and option, withbenefit of automated settlements and online risk monitoring system

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Mutual Funds Key Features Assitance at every step of the investment process An experienced research team to analyse and research the Mutual Funds available in themarket Portfolio assistanceTeam analyses and researches the Mutual Funds available in the market, helping you make moreinformed decisions. The recommendations take into account all relevant factors including theinvestment philosophy of the Asset Management Company, portfolio quality, risk-adjusted returnsand market trends.Th e Mu t u a l fu nd s o n a d v i s o ry l i st r a ng e f o r m D e b t t o Eq u i t y fu nd s a nd a r e d r a w n f ro m t o p performing schemes of renowned Mutual Fund houses like Franklin Templeton, Kotak, Reliance,Prudential ICICI etc.Relationship Manager will recommend the funds that suit the investmentobjectives.Instead of buying shares of different companies tracking the pricemovements performance of the company, growth prospects of the industriesetc. and then taking your own buy/sell decision, you may consider makinginvestment in equity/debt market through the mutual fund route. Mutual fundis a SEBI registered entity that pools the money of many individualsinvestors to purchase the stocks, bond or other financial instruments.professionalManagement and diversification are the two primary benefits of mutual fundinvesting. For beginners, or for customer who are unable to spend time onresearching stocks themselves, mutual fund is an ideal route for ainvestment in equity. Investing in mutual funds offline involves, tracking downthe agents appointed by the mutual funds AMCs, filling lengthy forms, writingcheque, rushing to the office of the agents before the cut off timing to ensurethat the desired NAV is allotted

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Bancassurance They offer a range of carefully selected insurance policies across the entire spectrum of lifeinsurance products Relationship managers will analyze your insurance needs and develop thesolution that works best for you.KOTAK INSURANCE has a wide array of insurance plans that have been designed with thephilosophy that different individuals are bound to have differing insurance needs.The ideal insurance plan is one that addresses the exact insurance needs of the individual that willdepend on the age and life stage of the individual apart from a host of other factors. The various plans offered by KOTAK INSURANCE are as follows 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

CONVENIENCE BANKING Anywhere, Anytime Banking In today's day and age time is money. You work hard and have a busy schedule. Doing bankingshould be easy and convenient and not add to worries.Kotak Mahindra Bank realize this and have specially tailored a wide range of value added

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productsand services to make money work for you. These, coupled with the highest standard of customer care will make life simpler and easier. Multiple Banking Channels

Today the technology driven banks are finding various means to reduce costs and reach out to asmany customers as possible spread over a diverse area. This has led to using multiple channels of delivery of their products. ATM (Automatic Teller Machine) : An ATM is basically a machine that can deliver cash to t h e c u s t o m e r s o n d e m a n d a f t e r authentication. However, nowadays we have ATMs that are used to vend different FMCG productsalso. An ATM does the basic function of a banks branch, i.e., delivering money on demand. Hencesetting of newer branches is not required thereby significantly lowering infrastructure costs.Cost reduction is however possible only when these machines are used. In India, the average cashwithdrawal per ATM per day has fallen from 100 last years to 70 this year. Though the number of ATMs has increased since last year, it is not in sync with the number of cards issued. Also, thereare many dormant cardholders who do not use the ATMs and prefer the teller counters. In spite of these odds, Indian banks are increasing the number of ATMs at a feverish pace. These machinesalso hold the keys to future operational efficiencyAccount holders of Kotak Mahindra Bank Saving Account having Visa Electron Debit Card canaccess other Banks ATM machines unlimited times per month for free, after that the Accountholder has to pay nothing for the transaction. But also holders of ATM cards cannot accessmachines belonging to other Banks.The number of ATM machines installed by Kotak Mahindra Bank is 20 in Delhi and the All Indiatally is 156 machines. When this figure is compared to ICICI Bank which has thrice the number of machines in Delhi or HDFC Bank

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which has nearly twice the number of machines in Delhi, this isworrying for Kotak Mahindra Bank

Net Banking: Net banking means carrying out banking transactions via the Internet. Thus the need for a branchis completely eliminated by technology. Also this helps in serving the customer better and tailoringproducts better suited for the customer.A customer can view his account details, transaction history, order drafts, electronically makepayments, transfer funds, check his account position and electronically communicate with the bankthrough the Internet for which he may have wanted to visit the bank branch.Net banking helps a bank spread its reach to the entire world at a fraction of the cost

Phone Banking : This means carrying out of banking transaction through the telephone. A customer can call up thebanks help line or phone banking number to conduct transactions like transfer of funds, makingpayments, checkingof account balance, ordering cheques, etc. This also eliminates the customer of the need to visitthe banks branch.

Mobile Banking : Banks can now help a customer conduct certain transactions through the Mobile Phone with thehelp of technologies like WAP, SMS, etc. This helps a bank to combine the Internet and telephoneand leverage it to cut costs and at the same time provide its customer the convenience. Thus it canbe seen that tech savvy banks are tapping the entire above alternative channels to cut costsimprove customer satisfaction

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S MS B a nki ng K ot a k M a h i nd r a B a n k' s S MS B a nk i ng s e r v i c e e n a b l e s y ou t o a c c e s s y ou r b a nk a c c ou nt , investment account and demat account on your Mobile Phone. Now get latest update on your account balance, salary credits, large debits, large credits, holding value and much more, on your mobile anytime. INTERNET BANKING INTRODUCTION The Internet banking is changing the banking industry and is having the major effects on bankingrelationships. Internet banking involves use of Internet for delivery of banking products & services.It falls into four main categories, from Level 1 - minimum functionality sites that offer only access todeposit account data - to Level 4 sites - highly sophisticated offerings enabling integrated sales of additional products and access to other financial services- such as investment and insurance. DRIVERS OF CHANGE Advantages previously held by large financial institutions have shrunk considerably. The Internethas leveled the playing field and afforded open access to customers in the global marketplace.Internet banking is a costeffective delivery channel for financial institutions. Consumers areembracing the many benefits of Internet banking. Access to one's accounts at anytime and fromany location via the World Wide Web is a convenience unknown a short time ago. The primary drivers of Internet banking are: Improve customer access Facilitate the offering of more services Increase customer loyalty Attract new customers
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Internet Banking is the most technological advanced means to do Banking. Through this mediumthe Account holder can do various types of transactions without having to leave hisOffice/Residence.The Account holder has the convenience to do transaction no matter where he is in the world atany time of the day. Internet is the most cost effective medium of Banking from the point of view of the Banks; it costs a fraction to the Bank as compared to other mediums like Branch Banking or ATM.But this medium is not as favored a medium as it in the west , the reasons for this is that firstly ,this is a relatively new concept in India , secondly , general perception that this is not safe , thirdly ,computers and internet are not widely spread all over the country. MAIN CONCERNS IN INTERNET BANKING In a survey conducted by the Online Banking Association, member institutions rated security as themost important issue of online banking. There is a dual requirement to protect customers' privacyand protect against fraud.1. A multi-layered security architecture comprising firewalls, filtering routers, encryption and digitalcertification ensures that account information is protected from unauthorized access:Firewalls and filtering routers ensure that only the legitimate Internet users are allowed to accessthe system.2 Encryption techniques used by the bank (including the sophisticated public key encryption)would ensure that privacy of data flowing between the browser and the Infinity system is protected.3 Digital certification procedures provide the assurance that the data you receive is from theInfinity system

STRATEGIC ALLIANCES ENTERED BY KOTAK MAHINDRA BANK NATIONAL ATM ALLIANCES The Institute for Development and Research in Banking Technology (IDRBT), a group establishedby the Reserve Bank of India (RBI) in 1996, has planned to set up a national switch to hook up allof the country's 10,000-odd ATMs.The idea of establishing ATM interconnectivity through a national switch has been approved by
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theinformation chiefs of various Banks.The expected cost of transactions routed through the switch is to be under 10 rupees (21 centsU.S.) each, due to the high volumes of transactions -- almost 100,000 per day. CASH NET It is an Alliance between Citibank, Industrial Development Bank of India, Kotak Mahindra Bank andUTI Bank. This is the country's first independent shared ATM network.IDBI Bank received permission from the Reserve Bank (RBI) to serve as the network's settlementbank.Cash net will give access to more than 1,300 ATMs for more than 6 million debit cardholders of themember banks. The Alliance would constitute about a third of the total card base and 15 percent of the ATM base in the country REDIFF.com India and Kotak Mahindra Bank have entered into an alliance to provide online andoffline banking and related services to the Indian consumer.The alliance will enable information on the entire range of the banks consumer banking products tobe made available to the 6.4 million online customers of Rediff.com.The services offered include detailed information on various deposits, loans and mortgages, creditcards, mutual funds and insurance products of the bank. Users will be able to directly interact withthe bank and request for products online OTHER SERVICES BANKING HOURS Kotak Mahindra Bank Account holders have been able to infer that Branch Banking is the secondmost Frequent Point of Interaction with the Bank. The Average Banking Hours is a very importantaspect associated with any Bank. In todays fast paced life where people who hold Accounts withthe Bank are busy working it is important that they can find a way to visit the Bank without havingto miss out on work.The Average Banking Hours of Kotak Mahindra Bank is from 9am to 7pm, the Bank is open to thepublic for ten hours. These timings are convenient for especially those Account holders who areworking, these people can visit the Bank after their Office finishes.Apart from the Average Banking Hours Kotak Mahindra Bank offers to its Account holders 24 Hour Branch, 365 Days Branch and the facility of Sunday Banking

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Kotak Mahindra Bank is the only Bank which offers a 24 Hour Branch in India, this is a big boon for people who cannot take the time out to visit the Bank during the normal working hours and is alsovery handy during emergencies.The 365 Day Branch of Kotak Mahindra Bank is also unique and the only other Bank offering thisservice is ABN Amro , this Branch is open regardless of the fact that it is a Sunday or a publicholiday.Sunday Banking is very useful for people who are busy throughout the week and the only day when they find the time is Sunday. Other Banks offering this service apart from Kotak MahindraBank are ABN Amro and CITIBANK. Best Compliments Card the perfect gift Introducing Best Compliments Card - the prepaid card from Kotak Mahindra Bank. It lets your loved ones choose their own gift or shop or enjoy at any place that accepts Visa cards, be it ashopping mall, a restaurant or a multiplex. So go ahead and give someone the perfect gift!No Kotak Mahindra Bank account requiredN o t restricted to a single brand or outlet - accepted at o v e r 3 l a k h s m e r c h a n t establishments in India that accept Visa cardsCan be used at your convenience - no need to spend the entire value in a single purchaseAttractively packaged and ready-to-giftAvailable at all Kotak Mahindra Bank branchesValid for two years from date of issue of card

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ANALYSIS AND FINDINGS Survey Conducted on 155 Respondants DURATION WITH BANK The study of 50 Kotak Mahindra Bank respondents consisted of a majority of customers who hadbeen with the Bank for a reasonable amount of time. This is good as these customers have had theopportunity to properly access the service level of the Bank, and can compare their experiences of Kotak Mahindra Bank with banks they have previously and are currently dealing with.Out of the total respondents only 3% have been with the Bank for less than 6 months, the rest97% have had the opportunity to know about the strengths and weaknesses of the Bank. Another inference that we can draw from this study is that couple of years the Bank has beenactively acquiring new customers as from the survey we can see that about 80% of thecustomers have opened their accounts during the past two years. The reason for this could be thatduring the past two years the Bank has been able to convince many prospective customers aboutthe superior service it is able to offer in comparison to competing Banks.Another reason could be that the customer base of the Bank has increased due to sheer word of mouth of the Banks millions of satisfied customers. REASON FOR CHOOSING BANK If the Bank could get to know of that very compelling factor that convinced the customer to openthe account then the Bank could use this in its favor to attract more customers.From the study conducted the factor which has come out strongest in this regards is the Other Reasons getting 44% of the responses, going deeper into this response by asking the respondentwhat is the factor they include in this Other Reasons is that most people are not the deciding factor

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when they open a saving account, this is done so by their employers. The customers salaryaccounts are created by the companies in which they work. MOS T FREQUENT POINT OF INTERACTION WITH THE BANK The Banks are very interested to know the most popular Point of Interaction with the Bank as if the Bank is lacking in one of these steps can be taken to make the situation better.From the study we can see more than half (more than 50%) of the total respondents feel that theyi nt e ra c t mo st w i t h t h e B a n k w i t h t h e h e l p o f A T M. H e n c e t h e i m p o rt a n c e of A T M c a n not b e overstated.The Second most popular point of interaction that arises from the study is the Branch with 32% of the respondents favoring this option. Kotak Mahindra Bank is unique in an aspect that it follows the Any Branch Banking wherein the Account holder can use any of the Banks 156 Branches allover the country.An aspect that customers really appreciate is the 24 hour Branches and the 365 Days Branches of Kotak Mahindra Bank. The 24 Hour Branch of Kotak Mahindra Bank is located at sector 18noida apart from these Branches in Mumbai and other cities in India.Kotak Mahindra Bank is the only Bank which has the facility of a 24

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Hour Branch. As for a 365 DayBranch the only Bank having this facility apart from Kotak Mahindra is UTIBank.The third most Frequent Point of Interaction is Phone Banking with 11.5% of the respondentsfavoring this medium. Phone Banking is one of the new age Banking techniques. It is in its infancyin India and people have not taken to it as is the case in other Developed Countries in the World.In the study it was seen that customers have mixed feeling when it comes to Phone Banking assometimes they do not find it as an effective alternate to traditional forms of Banking.The forth most Frequent Point of Interaction with the Bank is Internet Banking with 4% of ther e sp on d e nt s f a v ori n g t h i s m e d i u m . I nt e r ne t B a n ki ng i s t h e m o st m od e r n me a n s o f B a n ki ng

available to the customers but due to the general perception that this medium is not safe it is notused by many people.In our study only 60% of the total respondents have at least once used Internet Banking.Th e t w o op t i on s w h i c h w e re n ot f a v o re d b y a ny re sp on d e nt s a s t h e mo st F r e q u e n t Poi nt o f Interaction are Drop Box Facility and Door Step Banking . OVERALL SATISFACTION LEVEL Any service provider would want their customers to have a high Overall Satisfaction level. KotakMahindra Bank has scored very well in this regard.T h e most important thing is that

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n o re sp on d e nt h a s c om p l a i ne d t h a t t h e y a re ov e r a l l dissatisfied with the bank. This is a very important finding because this shows the effort KotakBank puts in providing their customers a superior service has not gone waste.More than half of the total respondents (52%) say that they are somewhat satisfied with the overallservice of the Bank. About 30% of the total respondents say that they are Very Satisfied withtheir Overall Experience with the Bank.Hence about 82% of the Respondents are Satisfied with their Overall Experience with the Bank.The study is showing a very good Overall Satisfaction Level by the Account holders SATISFACTION LEVEL WITH BANK STAFF B a n ks a re i nst i t u t i o n s w h i c h a re b a c ke d u p b y a l a rg e a mou nt o f c a p i t a l ; t od a y s B a n ks a re spending a huge amount of money on technology, improvement in infrastructure, etc. But even today the most lasting impact about any Bank comes from the customers experience with the BankStaff.Any paining experience can have a lasting impact on the mind of the customer, this can force himto change Banks or even discourage others from joining the Bank. Hence Banks should train their employees to maintain good relations and be cooperative with the customers.From the results of the findings we can see that Kotak Mahindra Bank has been successful inm a ri na t i ng a h i g h l e v e l o f c u st o me r sa t i sf a c t i o n w i t h t h e e mp l oy e e s . O nl y 4% o f t h e t o t a l respondents included in the study were dissatisfied. The number of respondents who were Very Satisfied represented 30% of the total respondentswhile those who were Somewhat Satisfied were 46%of the total. The respondents who wereNeither Satisfied nor Dissatisfied are 20% of the total.

SATISFACTION LEVEL WITH BANKING HOURS (10 am to 7 pm) From the analysis of the data that has been collected from Kotak Mahindra Bank Account holderswe can see that majority of the respondents are satisfied with
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the Average Banking Hours.The respondents who are Somewhat Satisfied with the Banking Hours consist of 44% of the total,while 28% of the total respondents studied say that they are Very Satisfied. In all 72% of the totalrespondents are satisfied with the Banking Hours of Kotak Mahindra Bank.The respondents who are neither Satisfied nor Dissatisfied consist of 20% of total number studied,while 8% of the respondents are somewhat dissatisfied

THERESULTSOFAGENERALSURVEYWHICHWASCONDUCTEDON10DIFFERENT BANKS IS AS FOLLOWS BANKS STUDIED This study involved mainly Banks operating in the Private Sector, there are some Banks from thePublic Sector but these are at a relatively lower proportion.The Private Bank include both Indian and Foreign Banks, the Indian Banks included ICICI Bank,HDFC Bank While the Foreign Banks apart from Kotak Mahindra Bank studied included CITIBANK,HSBC, ABN Amro.The Government Banks included most noticeably State Bank of India (Indias Oldest and largestcommercial Bank) , Bank of Baroda , apart from other Banks

MOST IMPORTANT QUALITY IN A BANK From the survey of more than hundred respondents belonging to different Banks we can to theconclusion that Efficient Service offered by Banks is considered most important by accountholders , 6 2 % of the respondents felt that the Bank should concentrate more on this serviceaspect.The next aspect which is considered highly important by the Account holders of various Banks isthe Staff of the Bank.

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It is true that todays Banking far less of Branch Banking as it was the casea few years ago , today Account holders have a constant interaction with nonhuman interface like

A T M m a c h i n e s , I nt e r ne t B a n ki ng , Dr op B ox , Ev e n p h o ne B a n ki ng w h e n c u st o me rs d o not interact in a face to face manner with the Bank employees.But in the minds of the respondents it is very important that the Staff the Bank employs should becooperative, courteous and qualified to solve the various problems of the Account holders.The percentage of respondents favoring Staff quality as most important was 26% of the entire sample size.The most frequent point of interaction with the Bank is ATM facility, the Account holders whether inPrivate/Foreign sector or the Government sector have been provided with ATM facility by their respective Banks. To judge the performance level of any Bank today it is crucial that the ATMservice of the Bank be studied, this includes not only the number of ATM machines installed by theBank , but also how technologically advanced the machines are (number of transaction that can bedone with the ATM Facility), the effort Bank undertakes to maintain the machines and also the overall experience of the Account holder with the service.The percentage of respondent considering the ATM service as most important were 12% of thetotal sample size. But from the respondents who were questioned none of them said that the Dcor/Ambience of the Bank Branch was most important. On further Questioning it was revealed that they did wantwell-maintained Branches/Other Bank Interaction points but this was not the most importantaspect. PRIVATE BANKS PROVIDE SUPERIOR SERVICES COMPARED TO GOVERNMENT BANKS? The general perception is that the service quality of Private Banks is superior to that offered byGovernment sector Banks; we wanted to study whether this
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is a true phenomenon or whether thiswas just hearsay.The most important findings would come from the group of respondents who hold Saving Accountswith both Private and Government run Banks, as these people would be in the best position to judge the service offered by the Banks

According to this group of respondents the Range of Products that are offered by Private sector Banks are much more diverse than those offered by Government Banks.Also these respondents felt that the Banks in the Private sector were much more flexible than their Government counterparts when dealing with customers were concerned . Private sector Banks are much more proactive when it comes to offering its customers new-agemethods of Banking like ATM Facility , Internet Banking , Phone Banking, These services make thelife of Account holders much easier.Another major difference that comes to most of the respondents minds when comparing the Privateand Government sector Banks is the Staff Attitude towards the customers. Sure Private sector Bank Account holders have had problems dealing with Bank Staff, but they still feel it is much better than how Government employees behave. These Government employees show as if theyare doing a favoring on the customer when they do their job.Private sector Bank customers are offered many freebies and incentives to remain with the Bank,or try new products of the Bank. This is never the case with Government Banks.Overall the result of this question very clearly states that people consider the service level of Private Banks much higher than Government Banks as 79% of the respondents agree andonly 21% of the respondents disagree.

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According to this group of respondents the Range of Products that are offered by Private sector Banks are much more diverse than those offered by Government Banks.Also these respondents felt that the Banks in the Private sector were much more flexible than their Government counterparts when dealing with customers were concerned . Private sector Banks are much more proactive when it comes to offering its customers new-agemethods of Banking like ATM Facility , Internet Banking , Phone Banking, These services make thelife of Account holders much easier.Another major difference that comes to most of the respondents minds when comparing the Privateand Government sector Banks is the Staff Attitude towards the customers. Sure Private sector Bank Account holders have had problems dealing with Bank Staff, but they st ill feel it is muchbetter than how Government employees behave. These Government employees show as if theyare doing a favoring on the customer when they do their job.Private sector Bank customers are offered many freebies and incentives to remain with the Bank,or try new products of the Bank. This is never the case with Government Banks.Overall the result of this question very clearly states that
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people consider the service level of Private Banks much higher than Government Banks as 79% of the respondents agree andonly 21% of the respondents disagree. CONCLUSION 1.Kotak Mahindra Bank is Leading Bank in the country, it provides a variety of products andservices to different segments of customers.2.The Bank aims to serve customers from teenagers to senior citizens, hence different productsdesigned to suit specific requirements of the above

3 . A i m s t o s e r v e a l l c l a s se s of t he s oc i e t y f ro m t h e s a l a ri e d mi d d l e c l a s s t o t h e h i g h i nc o me business class.Customers are categorized and segmented according to their requirements and needs.For Example, the EDGE Saving Account aims to serve middle class customers so minimumbalance required to be maintained is Rs. 10000. While the PRO and ACE Saving Accounts aretargeted at high income customers, the minimum balance requirement is Rs. 20000 and Rs.75000.4.Customers who are more profitable to the Bank (High Value Customers) are provided specialfacilities. Priority Banking is meant to serve these high value customers.5.The Bank prides itself with the ability to provide differentiate products in the crowed market of saving accounts. Bank offers the free home baking, special co-branded debit cards (Smart fillDebit Card) which makes its product unique.6.The Bank is also involved in marketing activities which serves as a medium of advertisement for the Bank. These are as follows: Extended happy hours at certain pubs in Delhi for the Banks account holders. Gift Vouchers on making utility payments, such as cell phones, electricity and MTNL bills.
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Free Gifts like caps, pens/wollets to its customers. Free add-on cards for relatives.1.The Bank wants its customers to transact more through Internet Banking and ATM, Rather than the customers using the branch.2.The Debit Cards provided by the Bank are Internationally Accepted around the world, hencegiving the customers the convenience to transact anytime, anywhere

3.The Bank has tied up with other Banks so that its customers can use other Banks ATM facilityfor free transactions4.The Bank also provides DEMAT account and also sells Mutual Funds, this provides the Bankand Government additional revenue.5.The Bank has been very successful in enlarging its customer base during the last couple of years.6 . T h e Number One Reason of people choosing Kotak M a h i n d r a B a n k i s t h e B r a n d Name/Reputation of the Bank. Hence it should be careful that the Brand name and Goodwill theBank has earned is not diluted.7 . T h e B i g g e s t c o m p e t i t o r s o f t h e B a n k a r e I C I C I B a n k a n d H D F C B a n k a n d S T A N D R A D CHARTERED.14. ATM Facility is most popular way to transact with the Bank.15.Overall the customers appreciate the service and products offered by the Bank and are willingto recommend the Bank to their acquaintances , But more attention has to paid towards: Increasing the number of ATM machines. Improving Internet Banking Facility.
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GENERAL FINDINGS 1.ATM Facility is more widely used by customers b e l o n g i n g t o P r i v a t e / F o r e i g n B a n k s a s compared to Government Banks

2.Customers value Efficient Service over every other aspect, this is far more important than thenumber of ATM machines, Staff, Dcor of Bank.3.Reputation of Bank is most important when it comes to choosing especially a Private Bank.4 . Th e g e n e ra l p e rc e p t i o n i s t h a t P ri v a t e B a n ks p rov i d e s b e t t e r se rv i c e s a s c om p a re d t o a Government Bank.5.People realize that Private Banks are as safe as compared to Government Banks.6.Advertisements and Freebies can be used to attract more customers.

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BIBLIOGRAPHY There was immense need and flow of the information while conducting the analysis as well aswhile writing the thesis report, which was gathered through various sources mentioned below:

Various Magazines and Newspapers such as OutlookFinancial TimesThe Economic TimesThe Times of IndiaThe Hindustan Times

Other References Questionnaires, Journals, Broachers and various other documents gathered and collected frombank and various other sources such as ATM centers and associates.

Internet www. Kotak Mahindra Bank. comwww. Kotak Mahindra Bank.co.inwww.google.comwww.economictimes.com

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