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COMPANYS HISTORY

HISTORY OF COMPANY
The Kotak Mahindra Group was born in 1985 as Kotak Capital Management Finance Limited. This company was promoted by Uday Kotak, Sidney A. A. Pinto and Kotak & Company. the custumer based of this group is more than 14 lakh.Industrialists Harish Mahindra and Anand Mahindra took a stake in 1986, and that's when the company changed its name to Kotak Mahindra Finance Limited. The Kotak Mahindra group is a financial organization established in 1985 in India. It was previously known as the 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. Since the inception of the erstwhile Kotak Mahindra Finance Limited in 1985, it has been a steady and confident journey leading to growth and success. The milestones of the group growth story are listed below yearwise 2010 - 2005

2010

Ahmedabad Derivatives and Commodities Exchange, a Kotak

anchored enterprise, became operational as a national commodity

2009

exchange. o Kotak Mahindra Bank Ltd. opened a representative office in Dubai Entered Ahmedabad Commodity Exchange as anchor investor. Launched a Pension Fund under the New Pension System.
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2008

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2006 2005

Bought the 25% stake held by Goldman Sachs in Kotak Mahindra

Capital Company and Kotak Securities. o Kotak Group realigned joint venture in Ford Credit; their stake in Kotak Mahindra Prime was bought out (formerly known as Kotak Mahindra Primus Ltd) and Kotak groups stake in Ford credit Kotak Mahindra was sold. Launched a real estate fund. Launched India Growth Fund, a private equity fund. Kotak Mahindra Finance Ltd. converted into a commercial bank the first Indian company to do so. o Matrix sold to Friday Corporation.
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2004 - 2000

2004 2003 2001

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Launched Insurance Services.

2000

Kotak Securities Ltd. was incorporated Kotak Mahindra tied up with Old Mutual plc. for the Life Insurance business.

Kotak Securities launched its on-line broking site. Commencement of private equity activity through setting up of Kotak Mahindra Venture Capital Fund. Entered the mutual fund market with the launch of Kotak Mahindra Asset Management Company. The Auto Finance Business was hived off into a separate company - Kotak Mahindra Prime Ltd (formerly known as Kotak Mahindra Primus Ltd).

1998 1996

Kotak Mahindra took a significant stake in Ford Credit Kotak


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Mahindra Ltd, for financing Ford vehicles. The launch of Matrix Information Services Ltd marked the Group's entry into information distribution. Brokerage and Distribution businesses incorporated into a

1995

separate company - Kotak Securities. Investment Banking division incorporated into a separate

company - Kotak Mahindra Capital Company. 994 - 1990


1992 1991 1990 1987 1986

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Entered the Funds Syndication sector The Investment Banking Division was started. Took over FICOM, one of India's largest financial retail marketing networks The Auto Finance division was started Kotak Mahindra Finance Ltd entered the Lease and Hire Purchase market Kotak Mahindra Finance Ltd started the activity of Bill Discounting

1989 - 1985
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Kotak Mahindra is one of India's leading banking and financial services groups, offering a wide range of financial services that encompass every sphere of life. Kotak Mahindra Bank Ltd

Kotak Mahindra Bank Ltd is a one stop shop for all banking needs. The bank offers personal finance solutions of every kind from savings accounts to credit cards, distribution of mutual funds to life insurance products.
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Kotak Mahindra Bank offers transaction banking, operates lending verticals, manages IPOs and provides working capital loans. Kotak has one of the largest and most respected Wealth Management teams in India, providing the widest range of solutions to high net worth individuals, entrepreneurs, business families and employed professionals. Kotak life insurance

Kotak Mahindra Old Mutual Life Insurance Ltd is a 74:26 joint venture between Kotak Mahindra Bank Ltd., its affiliates and Old Mutual plc. A Company that combines its international strengths and local advantages to offer its customers a wide range of innovative life insurance products, helping them take important financial decisions at every stage in life and stay financially independent. The company covers over 3 million lives and is one of the fastest growing insurance companies in India.

Kotak Securities Ltd

Kotak Securities is one of the largest broking houses in India with a wide geographical reach. Kotak Securities operations include stock broking and distribution of various financial products including private and secondary placement of debt, equity and mutual funds. Kotak Securities operate in five main areas of business:
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o o o o o

Stock Broking (retail and institutional) Depository Services Portfolio Management Services Distribution of Mutual Funds Distribution of Kotak Mahindra Old Mutual Life Insurance Ltd products

Kotak Mahindra Capital Company (KMCC)

Kotak Investment Banking (KMCC) is a full-service investment bank in India offering a wide suite of capital market and advisory solutions to leading domestic and multinational corporations, banks, financial institutions and government companies. Our services encompass Equity & Debt Capital Markets, M&A Advisory, Private Equity Advisory, Restructuring and Recapitalization services, Structured Finance services and Infrastructure Advisory & Fund Mobilization.

Kotak Mahindra Prime Ltd (KMPL)

Kotak Mahindra Prime Ltd is among India's largest dedicated passenger vehicle finance companies. KMPL offers loans for the entire range of passenger cars, multi-utility vehicles and pre-owned cars. Also on offer are inventory funding and

infrastructure funding to car dealers with strategic arrangements via various car manufacturers in India as their preferred financier.

Kotak International Business

Kotak International Business specialises in providing a range of services to overseas customers seeking to invest in India. For institutions and high net worth individuals outside India, Kotak International Business offers asset management through a range of offshore funds with specific advisory and discretionary investment management services.

Kotak Mahindra Asset Management Company Ltd (KMAMC)

Kotak Mahindra Asset Management Company offers a complete bouquet of asset management products and services that are designed to suit the diverse risk return profiles of each and every type of investor. KMAMC and Kotak Mahindra Bank are the sponsors of Kotak Mahindra Pension Fund Ltd, which has been appointed as one of six fund managers to manage pension funds under the New Pension Scheme (NPS).
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Kotak Private Equity Group (KPEG)

Kotak Private Equity Group helps nurture emerging businesses and mid-size enterprises to evolve into tomorrow's industry leaders. With a proven track record of helping build companies, KPEG also offers expertise with a combination of equity capital, strategic support and value added services. What differentiates KPEG is not merely funding companies, but also having a close involvement in their growth as board members, advisors, strategists and fund-raisers.

Kotak Realty Fund

Kotak Realty Fund deals with equity investments covering sectors such as hotels, IT parks, residential townships, shopping centres, industrial real estate, health care, retail, education and property management. The investment focus here is on development projects and enterprise level investments, both in real estate intensive businesses.

TRADING HISTORY
History 1. Before 1979, when CompuServe marketed MicroNET to consumers, no individual used the net, just businesses. MicroNET, the retail branch of CompuServe, found an outlet at Radio Shack and soon gained wide appeal and it accounted for over 50 percent of the
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company's income by the year 1987 when it took back the parent name, CompuServe. The Source, its competitor that also started in 1979, grew rapidly. However, CompuServe bought them out in 1989.

Time Frame
2. Imagine the enthusiasm of Bernie Newcomb when Phil Porter shared his idea about

trading stock on a personal computer back in 1980. Newcomb understood programming and developed the necessary one to successfully trade a stock. A dentist in Michigan made the first stock trade on July 11, 1983. This was the first trade for the company Trade*Plus. It took 9 more years before the company was named the fastest growing company in Silicon Valley and by 1996, Trade*Plus received the new name E-Trade Group. Features 3. Other companies entered the market for consumer stock trading. First Omaha Securities, Inc. became a clearing broker in 1983. It changed its name to Accutrade. Later when they were part of a holding company in 1987 the name changed again to TransTerra Company Inc 1987 and eventually became AmeriTrade in 1996. It offered the first order system via the touch-tone phone in 1988. Slowly the necessity of the broker started to seem less important. Considerations
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4. Bernie Newcomb and Phil Porter split as partners and Porter started a new company, ETrade Group. E-Trades Securities was a subsidiary, and the primary reason for the company. It offered services to the public that allowed trading on both America Online and CompuServe. Later when the firm grew dramatically, by 1996, it went public and the changed the name to E*Trade Financial. Effects 5. The market gets bullish for the 1990's. This fact, coupled with the lower cost of Internet access started to drive the uses of the Internet. Communication via email and total access to the web made the transition easy for millions of people. Now, they no longer had to call a broker or schedule an appointment. The Web was open 24 hours a day and the market was hot. By January of 1996, AmeriTrade introduced "Accutrade for Windows" and developed the first eBroker. Benefits 6. Discount brokerage houses grew, as did online trading. Schwab, one of the innovators of discount brokerage services, offered the first 24-hour quotation service to clients in 1980. By the year 1996, they offered live trading on the web. Other companies also jumped into the action. The American public fell in love with online trading because even an idiot could make money in the stock market during the excessively bullish 1990's. The cost of a trade was dramatically lowered. At first, a $24 trade was magnificent. However, as companies grew more web-based the price dropped. When the market went south in 1999 and early 2000, web brokers slashed even more at the cost of the trade to maintain their
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clients. Today, Online stock trading accounts are owned by most people that invest. Even if they use the services of a broker, they normally have the option of trading stock on their own, via the Internet.

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Basics of Indian Share Market Share Share is nothing but the Ownership of the company divided into small parts and each part is called as Share or Stock.A person carrying a share of a company holds that part of ownership in that company. A person holding maximum shares has maximum ownership like directors, chairman etc.

Share Market A Share market is the place where buying and selling of shares takes place. Now days due to internet and advanced technology there is no need to be physical present in exchanges like NSE and BSE but the buying and selling of shares takes place from anywhere in India and also from foreign country. One should need the demat account, computer and internet connection and he/she can start trading. Share market and its analysis Financial markets like NSE (National Stock Exchange) and BSE (Bombay Stock Exchange) are countries economic barometer (a guide to economic growth). Stock markets like NSE and BSE are the stock exchanges where the trading of a company's stock takes place.

First let us understand the Working of a share (stock) market To learn about how you can earn on the stock market, one has to understand how it works. When a person want to buy/sell shares in the share market then he has to first place the order with a broker or can do themselves using online trading systems (this will be discussed later).

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When you place the buy order, the message is transferred to the exchange [either NSE {National Stock Exchange} or BSE {Bombay Stock Exchange}] and the order stays in the queue of exchange's other orders and gets executed if the price of that share comes to that value. Once you get the confirmation of this transcation,the shares purchased, will be sent to your demat account.The shares will be in electronic format in demat account.

Rolling Settlement Cycle: (RSC) RSC means when you will get your shares in your demat account.In a rolling settlement, each trading day(T) is considered as a trading period and trades executed during the trading day(T) are settled on a T+2 basis i.e. trading day plus two working days. So on forth working day you can see the shares in your demat account

What is Demat account and why it is required? Securities and Exchange Board of India (SEBI) is a board (corporate body) appointed by the Government of India in 1992 with its head office at Mumbai. Its one of the function is helping the business in stock exchanges and any other securities markets. In another word it is the regulator for stock exchanges.

# Demat (short form of Dematerialization) is the process by which an investor can get shares (also called as physical certificates) converted into electronic form maintained in an account with the Depository Participant (DP).

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# DP could be organizations involved in the business of providing financial services like banks, brokers, financial institutions etc. DPs are like agents of Depository.

# Depository is an organization responsible to maintain investor's securities (securities can be shares or any other form of investments) in the electronic form.In India there are two such organizations called NSDL (National Securities Depository Ltd.) and CDSL (Central Depository Services India Ltd.)

# Investors wishing to open Demat account has to go DP and open the account. # Opening the Demat account is as simple as opening the bank account with any bank. As you need bank account to save your money, make cheque payments etc, likewise you need to open a demat account if you want to buy and sell stocks in share market.

# All shares what you possess will show in your demat account, so you don't have to possess any physical certificates. They are all held electronically in your demat account. As you buy and sell the shares accordingly your shares will get adjusted in your demat account.

Is a demat account a must? YES. The market regulator, the Securities and Exchange Board of India (SEBI), has made it compulsory to open the demat account if you want to buy and sell shares in share market. So a demat account is a must for trading and investing in share market.

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How to open a Demat account? You have to approach a DP to open a Demat account.Most banks are DP participants so you may approach them or else you can contact us. To have latest list of registered DP please visit websites www.nsdl.co.in and www.cdslindia.com.

A broker and a DP are two different people. A broker is a member of the stock exchange, who buys and sells shares on his behalf and also on behalf of his customers.

Following are the documents required to open Demat account When you approach any DP, you will be guided through the formalities for opening a demat account. The DP will ask to provide some documents as proof of your identity and address. Below is a list but you may not require all of them. PAN card, Voters ID, Passport, Ration card, Drivers license, Photo credit card Employee ID card, IT returns, Electricity/ Landline phone bill etc.

Do you need any shares to open a Demat account? NO. You need not have to have any shares to open a demat account. A demat account can be opened with no balance of shares. And there is no minimum balance to be maintained either. You can have a zero balance (shares) in your account.

How much it cost to open a Demat account?


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The charges for demat account opening, annual account maintenance fees and transaction charges varies between various DPs. To have latest charges please visit websites of www.nsdl.co.in and www.cdslindia.com or else you need to contact the specific broker.

Finally After successfully opening the demat account you are ready to do buy and sell shares in share market exchanges like BSE and NSE.

Important points to remember while opening online account Do Also multiple discuss enquiries about and the try margin get low they brokerage provide for trading day account. trading.

Discuss about fund transfer. The fund transfer should be reliable and easy.

Fund transfer from your bank account to trading account and visa versa. Some online share trading account has integrated savings account which makes easy for you to transfer funds from your saving account to trading account. Very important is about service they provide, the research calls, intraday or daily trading tips. Also enquire about their services charges and any other hidden fees if any. And also see how reliable and easy is to contact them in case if any emergency.Emergency like buying and selling of shares on immediate basis or in case of any technical or other problems at your side while doing trading yourself.

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Investing!! What's that Judging by the fact that you've taken the trouble to navigate to this page my guess is that you don't need much convincing about the wisdom of investing. However, I hope that your quest for knowledge/information about the art/science of investing ends here. Read on. Knowledge is power. It is common knowledge that money has to be invested wisely. If you are a novice at investing, terms such as stocks, bonds, futures, options, Open interest, yield, P/E ratio may sound Greek and Latin. Relax. It takes years to understand the art of investing. You're not alone in the quest to crack the jargon. To start with, take your investment decisions with as many facts as you can assimilate. But, understand that you can never know everything. Learning to live with the anxiety of the unknown is part of investing. Being enthusiastic about getting started is the first step, though daunting at the first instance. That's why my investment course begins with a dose of encouragement: With enough time and a little discipline, you are all but guaranteed to make the right moves in the market. Patience and the willingness to invest your savings across a portfolio of securities tailored to suit your age and risk profile will propel your revenues and cushion you against any major losses. Investing is not about putting all your money into the "Next big thing," hoping to make a killing. Investing isn't gambling or speculation; it's about taking reasonable risks to reap steady rewards.

Investing is a method of purchasing assets in order to gain profit in the form of reasonably predictable income (dividends, interest, or rentals) and appreciation over the long term.

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Why should you invest? Simply put, you should invest so that your money grows and shields you against rising inflation. The rate of return on investments should be greater than the rate of inflation, leaving you with a nice surplus over a period of time. Whether your money is invested in stocks, bonds, mutual funds or certificates of deposit (CD), the end result is to create wealth for retirement, marriage, college fees, vacations, better standard of living or to just pass on the money to the next generation or maybe have some fun in your life and do things you had always dreamed of doing with a little extra cash in your pocket. Also, it's exciting to review your investment returns and to see how they are accumulating at a faster rate than your salary.

When to Invest? The sooner the better. By investing into the market right away you allow your investments more time to grow, whereby the concept of compounding interest swells your income by accumulating your earnings and dividends. Considering the unpredictability of the markets, research and history indicates these three golden rules for all investors 1. Invest early 2. Invest regularly 3. Invest for long term and not short term

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While its tempting to wait for the best time to invest, especially in a rising market, remember that the risk of waiting may be much greater than the potential rewards of participating. Trust in the power of compounding. Compounding is growth via reinvestment of returns earned on your savings. Compounding has a snowballing effect because you earn income not only on the original investment but also on the reinvestment of dividend/interest accumulated over the years. The power of compounding is one of the most compelling reasons for investing as soon as possible. The earlier you start investing and continue to do so consistently the more money you will make. The longer you leave your money invested and the higher the interest rates, the faster your money will grow. That's why stocks are the best long-term investment tool. The general upward momentum of the economy mitigates the stock market volatility and the risk of losses. Thats the reasoning behind investing for long term rather than short term.

How much to invest? There is no statutory amount that an investor needs to invest in order to generate adequate returns from his savings. The amount that you invest will eventually depend on factors such as: 1 Your risk profile 2. Your Time horizon 3. Savings made Remember that no amount is too small to make a beginning. Whatever amount of money you can spare to begin with is good enough. You can keep increasing the amount you invest over a period of time as you keep growing in confidence and understanding of the investment options available and So instead of just dreaming about those wads of money do something concrete about it and start investing soon as you can with whatever amount of money you can spare.

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Investment is a term with several closely-related meanings in finance and economics. It refers to the accumulation of some kind of asset in hopes of getting a future return from it. Assets such as equity shares or bonds held for their financial return (interest, dividends or capital appreciation), rather than for their use in the organizations operations.

Return on Investments

The money you earn or lose on your investment, expressed as a percentage of your original investment.In Simple words, It is the amount received as a result of investing in particular ventures.

Collective Investments Schemes Funds which manage money for a number of investors and pool it together. This enables investors to benefit from a larger number of individual investments and cost efficiencies.

Short-Term Investments Short-Term Investments are generally investments with maturities of less than one year.

Capital Investments Investments into the fixed capital (capital assets), including costs for the new construction, expansion, reconstruction and technical reequipment of the operating enterprises, purchase of

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machinery, equipment, tools, accessories, project and investigation works and other costs and expenditures.

There are two ways for investors to get shares from the primary and secondary markets. In primary markets, securities are bought by way of public issue directly from the company. In Secondary market share are traded between two investors.

In finance a share is a unit of account for various financial instruments including stocks, mutual funds, limited partnerships, and REIT's. In British English, the usage of the word share alone to refer solely to stocks is so common that it almost replaces the word stock itself.In simple Words, a share or stock is a document issued by a company, which entitles its holder to be one of the owners of the company. A share is issued by a company or can be purchased from the stock market.By owning a share you can earn a portion and selling shares you get capital gain. So, your return is the dividend plus the capital gain. However, you also run a risk of making a capital loss if you have sold the share at a price below your buying price.

A company's stock price reflects what investors think about the stock, not necessarily what the company is "worth." For example, companies that are growing quickly often trade at a higher price than the company might currently be "worth." Stock prices are also affected by all forms of company and market news. Publicly traded companies are required to report quarterly on their financial status and earnings. Market forces and general investor opinions can also affect share price.
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Quick Facts on Stocks and Shares

Owning a stock or a share means you are a partial owner of the company, and you get voting rights in certain company issues

Over the long run, stocks have historically averaged about 10% annual returns However, stocks offer no guarantee of any returns and can lose value even in the long run

Investments in stocks can generate returns through dividends, even if the price

How does one trade in shares ? Every transaction in the stock exchange is carried out through licensed members called brokers. To trade in shares, you have to approach a broker However, since most stock exchange brokers deal in very high volumes, they generally do not entertain small investors. These brokers have a network of sub-brokers who provide them with orders.

The general investors should identify a sub-broker for regular trading in shares and palce his order for purchase and sale through the sub-broker. The sub/broker will transmit the order to his broker who will then execute it . What are active Shares ? Shares in which there are frequent and day-to-day dealings, as distinguished from partly active shares in which dealings are not so frequent. Most shares of leading companies would be active,
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particularly those which are sensitive to economic and political events and are, therefore, subject to sudden price movements. Some market analysts would define active shares as those which are bought and sold at least three times a week.

Demat refers to a dematerialised account. Though the company is under obligation to offer the securities in both physical and demat mode, you have the choice to receive the securities in either mode.If you wish to have securities in demat mode, you need to indicate the name of the depository and also of the depository participant with whom you have depository account in your application.

It is, however desirable that you hold securities in demat form as physical securities carry the risk of being fake, forged or stolen.Just as you have to open an account with a bank if you want to save your money, make cheque payments etc, Nowadays, you need to open a demat account if

you want to buy or sell stocks. So it is just like a bank account where actual money is replaced by shares. You have to approach the DPs (remember, they are like bank branches), to open your demat account. Let's say your portfolio of shares looks like this: 150 of Infosys, 50 of Wipro, 200 of HLL and 100 of ACC. All these will show in your demat account. So you don't have to possess any physical certificates showing that you own these shares. They are all held electronically in your account. As you buy and sell the shares, they are adjusted in your account. Just like a bank passbook or statement, the DP will provide you with periodic statements of holdings and transactions.
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Is a demat account a must? Nowadays, practically all trades have to be settled in dematerialised form. Although the market regulator, the Securities and Exchange Board of India (SEBI), has allowed trades of upto 500 shares to be settled in physical form, nobody wants physical shares any more.So a demat account is a must for trading and investing.Most banks are also DP participants, as are many brokers. You can choose your very own DP. To get a list, visit the NSDL and CDSL websites and see who the registered DPs are.A broker is separate from a DP. A broker is a member of the stock exchange, who buys and sells shares on his behalf and on behalf of his clients.

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COMPANYS PROFILE

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COMPANY PROFILE

Mr. Uday S. Kotak

Executive Vice Chairman and Managing Director Mr. Uday Kotak, is the Executive Vice-Chairman and Managing Director of the Bank, and its principal founder and promoter. Mr. Kotak is an alumnus of Jamnalal Bajaj Institute of Management Studies. In 1985, when he was still in his early twenties, Mr Kotak thought of setting up a bank when private Indian banks were not even seen in the game. First Kotak Capital Management Finance Ltd (which later became Kotak Mahindra Finance Ltd), and then with Kotak Mahindra Finance Ltd, Kotak became the first non-banking finance company in India's corporate history to be converted into a bank. Over the years, Kotak Mahindra Group grew into several areas like stock broking and investment banking to car finance, life insurance and mutual funds. Among the many awards to Mr Kotak's credit are the CNBC TV18 Innovator of the Year Award in 2006 and the Ernst & Young Entrepreneur of the Year Award in 2003. He was featured as one

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of the Global Leaders for Tomorrow at the World Economic Forum's annual meet at Davos in 1996. He was also featured among the Top Financial Leaders for the 21st Century by Euromoney magazine. He was named as CNBC TV18 India Business Leader of the Year 2008 and as the most valued CEO by businessworld in 2010.

Mr. C Jayaram

Executive Director Mr. C. Jayaram, is an Executive Director of the Bank and is currently in charge of the Wealth Management Business of the Kotak Group. An alumnus of IIM Kolkata, he has been with the Kotak Group since 1990 and member of the Kotak board in October 1999. He also oversees the international subsidiaries and the alternate asset management business of the group. He is the Director of the Financial Planning Standards Board, India. He has varied experience of over 25 years in many areas of finance and business, has built numerous businesses for the Group and was CEO of Kotak Securities Ltd. An avid player and follower of tennis, he also has a keen interest in psephology.

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Mr. Dipak Gupta

Executive Director

An electronics engineer and an alumnus of IIM Ahmedabad, Mr. Gupta has been with the Kotak Group since 1992 and joined the board in October 1999. He heads commercial banking, retail asset businesses and looks after group HR function. Early on, he headed the finance function and was instrumental in the joint venture between Kotak Mahindra and Ford Credit International. He was the first CEO of the resulting entity, Kotak Mahindra Primus Ltd. Kotak Securities Ltd., a 100 % subsidiary of Kotak Mahindra Bank, is one of the oldest and largest stock brokers in the Industry.

Our offerings include stock broking services for stock trading through the branch and Internet, Investments in IPO, Mutual funds and Portfolio management services. Our Accolades include: Best Broker in India by FinanceAsia for 2010 & 2009 UTI MF CNBC TV18 Financial Advisor Awards - Best Performing Equity Broker (National) for the year 2009 Best Brokerage Firm in India by Asia0money in 2009, 2008, 2007 & 2006 Best Performing

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Equity Broker in India CNBC Financial Advisor Awards 2008 Avaya Customer Responsiveness Awards (2007 & 2006) in Financial Services Sector The Leading Equity House in India in Thomson Extel Surveys Awards for the year 2007 Euromoney Award (2007 & 2006) - Best Provider of Portfolio Management: Equities Euromoney Award (2005)-Best Equities House In India Finance Asia Award (2005)-Best Broker In India Finance Asia Award (2004)India's best Equity House Prime Ranking Award (2003-04)- Largest Distributor of IPO's We have been the first in providing many products and services which have now become industry standards. Some of them are: Facility of Margin Finance to the customers for online stock trading Investing in IPOs and Mutual Funds on the phone SMS alerts before execution of depository transactions Mobile application to track portfolio of your investments in stock market AutoInvest - A systematic investing plan in Equities and Mutual funds Provision of margin against securities automatically against shares in your Demat account We have a full-fledged research division involved in Macro Economic studies, Sectoral research and Company Specific Equity Research which publishes in-depth stock market analysis. This combined with a strong and well networked sales force which helps deliver current and up to date market information and news.

We are also a depository participant with National Securities Depository Limited (NSDL) and Central Depository Services Limited (CDSL), providing dual benefit services wherein the investors can avail our stock broking services for executing the transactions and the depository
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services for settling them. We process more than 400000 trades a day which is much higher even than some of the renowned international brokers. Our network spans over 400 cities with 1200 outlets. Kotak Securities Limited has Rs. 2250 crore of Assets Under Management (AUM) as of 30 th June, 2010. The portfolio Management Service provides top class service, catering to the high end of the market. Portfolio Management from Kotak Securities comes as an answer to those who would like to grow exponentially on the crest of the stock market, with the backing of an expert. Kotak Securities Ltd., a 100 % subsidiary of Kotak Mahindra Bank, is one of the oldest and largest stock brokers in the Industry.

Our offerings include stock broking services for stock trading through the branch and Internet, Investments in IPO, Mutual funds and Portfolio management services Our Accolades include: Best Broker in India by FinanceAsia for 2010 & 2009 UTI MF CNBC TV18 Financial Advisor Awards - Best Performing Equity Broker (National) for the year 2009 Best Brokerage Firm in India by Asia0money in 2009, 2008, 2007 & 2006 Best Performing Equity Broker in India CNBC Financial Advisor Awards 2008 Avaya Customer Responsiveness Awards (2007 & 2006) in Financial Services Sector The Leading Equity House in India in Thomson Extel Surveys Awards for the year 2007 Euromoney Award (2007 & 2006) - Best Provider of Portfolio Management: Equities
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Euromoney Award (2005)-Best Equities House In India Finance Asia Award (2005)-Best Broker In India Finance Asia Award (2004)- India's best Equity House Prime Ranking Award (2003-04)- Largest Distributor of IPO's

We have been the first in providing many products and services which have now become industry standards. Some of them are: Facility of Margin Finance to the customers for online stock trading Investing in IPOs and Mutual Funds on the phone SMS alerts before execution of depository transactions Mobile application to track portfolio of your investments in stock market AutoInvest - A systematic investing plan in Equities and Mutual funds Provision of margin against securities automatically against shares in your Demat account

We have a full-fledged research division involved in Macro Economic studies, Sectoral research and Company Specific Equity Research which publishes in-depth stock market analysis. This combined with a strong and well networked sales force which helps deliver current and up to date market information and news We are also a depository participant with National Securities Depository Limited (NSDL) and Central Depository Services Limited (CDSL), providing dual benefit services wherein the investors can avail our stock broking services for executing the transactions and the depository services for settling them. We process more than 400000 trades a day which is much higher even than some of the renowned international brokers

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Our network spans over 400 cities with 1200 outlets

Kotak Securities Limited has Rs. 2250 crore of Assets Under Management (AUM) as of 30 th June, 2010. The portfolio Management Service provides top class service, catering to the high end of the market. Portfolio Management from Kotak Securities comes as an answer to those who would like to grow exponentially on the crest of the stock market, with the backing of an expert. Welcome to the Media Kit. Whether you are looking for that one fact, milestone or just the latest news about Kotak Securities, you are at the very right place.

The information within the Media Kit shall help you know us better and provide you with the corporate profile, press coverages and the latest events at Kotak Securities.

This section has been designed to provide Individuals with easy access to all the information and thus acts as a comprehensive data reserve.

Check out the latest news and press releases Kotak Securities and get a glimpse into the accomplishments, happenings and events.

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At Kotak Securities, we are always looking for individuals with the desire, drive and creativity to find solutions that help meet our clients' needs - individuals who want the opportunity to learn and grow with the organization. We place a premium on high performance, quality service and the ability to execute strategy.

Above all, we are committed to serve our clients, so we seek employees with the highest ethical standards, who want to make a difference in people's lives.

Corporate Profile Kotak Mahindra is one of India's leading banking and financial services organizations, offering a wide range of financial services that encompass every sphere of life. From commercial banking, to stock broking, to mutual funds, to life insurance, to investment banking, the group caters to the diverse financial needs of individuals and corporate sector.

The group has a net worth of over Rs. 100.6 billion and has a distribution network of branches, franchisees, representative offices and satellite offices across cities and towns in India, and offices in New York, London, San Francisco, Dubai, Mauritius and Singapore servicing around 8 million customer accounts.

Kotak Group Products & Services: Bank


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Life Insurance Mutual Fund Car Finance Securities Institutional Equities Investment Banking Kotak Mahindra International Kotak Private Equity Kotak Realty Fund Press

Release

Kotak Securities in the News

Its Biz as usual on D street despite Bandh (Tuesday, 06th July 2010)

Stock Recos (Monday, 05th July 2010)

Broking Firms revive expansion plans (Tuesday, 29th June 2010)

Proper Homework is advisable (Sunday, 23rd May, 2010)

Sensex at 19 - 20K by 2010 end (Tuesday, 11th May, 2010)


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Rally in the bank stocks may have run its course. (Wednesday, 21st April, 2010)

Currency fluctuation will not trigger FII exit, only hot money may flow out. (Monday, 12th April, 2010)

Broking firms take a hit as investors play it safe (Thursday, 18th March, 2010)

Expect no value change in Short term (Thursday, 11th February, 2010)

India Inc sees only temporary relief in commodity prices (Monday, 08th February, 2010)

Top 5 picks of the day (Tuesday, 04th February, 2010)

Stockrecos (Tuesday, 04th February, 2010)

Expect no value change in Short term (Friday, 13th November, 2009)

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Fund

houses,

wealth

planners

push

MFs

through

PMS

route

(Wednesday, 2nd September, 2009)

HCL Tech quarterly profit doubles, sees tough (Wednesday, 26th August, 2009)

HCL Tech in the black, but stays cautious (Wednesday, 26th August, 2009)

HCL's Q4 income more than doubles (Wednesday, 26th August, 2009)

High Stakes For Options (Monday, 31st August, 2009)

Do initial calculations before investing in a public offering (Sunday, 16th August, 2009)

Sensex, Nifty earnings at a fourth-quarter high (Monday, 3rd July, 2009)

Cautious Line In Troubled Times (Monday, 20th July, 2009)


37

Infosys

beats

estimates

with

17.3%

profit

in

Q1,

raises

hopes

(Saturday, 11th July, 2009)

Markets (Wednesday, 8th July, 2009)

A Rally And Its Lessons (Monday, 6th July, 2009)

Markets Up Marginally (Monday, 6th July, 2009)

Targeting The Small Investor (Monday, 29th June, 2009)

Playing the national anthem (Friday, 12th June, 2009)

No rush for exit anytime soon, say brokers, fund managers (Sunday, 31st May, 2009)

Where should you invest? (Monday, 25th May, 2009)

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We expect the market to trend upwards (Sunday, 24th May, 2009)

Wary retail investors don't fall for feel-good rally, yet (Thursday, 21st May, 2009)

Will this rally sustain ?(Monday, 11th May, 2009) Antarrashtriya sanketon ke ulat bazaar ka rukh (Article in Hindi)

(Saturday, 9th May, 2009)

Corporate India puts up a spirited show in Q4 (Sunday, 3rd May, 2009)

Lost opportunity Friday, 1st May, 2009)

Satyam ADR dips (Tuesday, 14th April, 2009)

Demat account move into slow motion now (Tuesday, 14th April, 2009)

Infrastructure, IT, Sugar stocks to do well in short term


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(Monday, 13th April, 2009)

Where Is The Rally Headed (Monday, 20th April, 2009)

Can quarterly results surprise on the upside?

(Friday, 17th April, 2009)

Sensex sees longest winning run in a year (Friday, 10th April, 2009)

Stock rally puts Indian market ahead of developed world (Monday, 30th March, 2009)

Mkts end strong ahead of recovery (Thursday, 26th March, 2009)

Feds $1 tn recession remedy just (Friday, 20th March, 2009)

Incentive for bigger crime (Thursday, 16th March, 2009)


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Rs. 250cr forex loss cuts TCS profit (Friday, 16th January, 2009)

Tepid performance to continue ( Monday, 12th January, 2009)

Crystal gazing: star sectors for 09 (Friday, 2nd January, 2009)

Check out hottest stocks on bourses this year (Thursday, 1st January, 2009)

Hangover will last well into 2009 (Thursday, 1st January, 2009)

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WHY KOTAK SECURITIES?

Welcome to Kotak Securities. We see investing from your perspective, and make recommendations based on your needs. One of our important goals is to simplify investing for you, along with this we also provide long term values to our customers.

We have a million reasons for you to choose us. Listed below are a few:

Stability: We are a 100% subsidiary of Kotak Mahindra Bank and one of the oldest and largest stock broking firms in the Industry. We have been the first and only NBFC to receive the license to be converted into a bank.

Innovators in the Industry: We have been the first in providing many products and services which have now become industry standards.

First to provide Margin Financing to the customers First to enable investing in IPOs and Mutual Funds on the phone Providing SMS alerts before execution of depository transactions Launching of Mobile application to track portfolio AutoInvest - A systematic investing plan in Equities and Mutual fund Provision of margin against securities automatically against shares in your Demat account

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Reliability: Our accolades are a testimony to our services and high standards. We have been awarded as:

Best Broker in India by FinanceAsia for 2010 & 2009 UTI MF - CNBC TV18 Financial Advisor Awards - Best Performing Equity Broker (National) for the year 2009 Best Brokerage Firm in India by Asiamoney in 2009, 2008, 2007 & 2006 Best Performing Equity Broker in India CNBC Financial Advisor Awards 2008 Avaya Customer Responsiveness Awards (2007) in Financial Services Sector The Leading Equity House in India' in Thomson Extel Surveys Awards for the year 2007 Euromoney Award (2006 & 2007) - Best Provider of Portfolio Management : Equities

Value: Whether you are a customer with a small or large wallet size, you can expect us to bring value to you in every form.

Quality Research Quick trade execution Low brokerages Accounts that suit your investment profile Risk Profiler Superior Customer Service

Service: We believe in high standards of service and that's precisely what we offer. It's an honour to be awarded the most customer responsive company award in the Financial Institution sector by AVAYA GlobalConnect Award both in 2006 and 2007

Robust Technology: We have developed our own proprietary trading platform which is robust and among the best in the industry. We have more than 150 technology professionals constantly working on upgrading and speeding up all our systems.

Centralised Risk Management System: Unlike many other players we have a


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centralised risk management system. This allows us to offer the same levels of service to customers across all locations.

Exceptional Research: Unlike most other competitors we have our own in house research team. Our in house research team is among the best in the industry and they have years of experience in the financial markets. They scan through the plethora of stocks and find the scrips that have a high potential of providing you good returns. Our investors get research Technical, Fundamental, Derivatives, Macro-economic and mutual fund research.

Large Presence: We are present in 448 cities with 1358 offices all over the country. Our employee strength extends beyond 4100.

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CAREERS
Bright Careers At Kotak Securities, we are always looking for individuals with the desire, drive and creativity to find solutions that help meet our clients' needs - individuals who want the opportunity to learn and grow with the organization. We place a premium on high performance, quality service and the ability to execute strategy.

Above all, we are committed to serve our clients, so we seek employees with the highest ethical standards, who want to make a difference in people's lives. Work Culture At Kotak Securities, we strive to create a work culture which gives you ample scope to display your talent and help you grow as a professional and an individual.

Be a part of an organisation that is quintessentially Indian in it's values and ethics. Deal with a global Indian brand placing emphasis on technology and adopting best practices along international lines. An organization that rewards all it's employees for all their hard work, fosters and encourages teamwork and collaboration and also encourages them to maintain a healthy worklife balance.

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We are proud of having a flat hierarchy and offer an open door policy encouraging easy accessibility to Senior Management. Our young and energetic work force provides positive and dynamic environment for goal attainment.

We believe in including the Fun element in every employees work and providing opportunities for learning and growth. Our enthusiastic and dedicated HR team organizes fun activities throughout the year, celebrating festivals with inter divisional creativity contests, fashion shows, talent shows and much more. Employees are encouraged to take part in Inter Group tournaments of indoor and outdoor sports and are given opportunities to participate in all external & internal Corporate Sports Activities. Recognition program

We firmly believe that all employees need to be recognised for their contribution towards the growth of the organisation which also encourages them increase their own internal benchmarks and perform better. Formal and Informal recognition forms an integral part of our culture and our team goes all the way to ensure that employees feel special.

I Applaud, an official but informal medium to appreciate the work and efforts of our colleagues, team members, subordinates, etc.

Month on month the employees compete for being recognized as a part of our formal Reward program, where prizes include trips abroad, team picnics etc. Additionally, we also recognize employees for their dedication and loyalty.
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Employee Development Program (EDP) We believe that constant learning is what contributes better growth in your career. Our organisation constantly looks to provide learning opportunities to its employees which will equip them to meet business challenges. We are committed to the continuous Learning and Development of our employees in the areas of functional, skill based and behavioral training. All training programs are planned and implemented to support both the individual and organisation's objectives. Our Learning & Development strategy focuses on creating an enriched and empowered workforce which is capable of meeting new business challenges.
Current Openings

Kotak Securities is a growing organization and to keep up with the pace of growth, we are constantly looking at hiring like minded people who will blend in with our culture. The following are some of the positions where we are looking for achievers: Leadership Speaks I welcome you to join the Kotak Securities family. It's not only the Best Broking House in India* but is also one of the best places to make your career. We offer world class working environment and a young vibrant atmosphere where everyone has chance to do well and grow. We are a group of people who live out our dreams of being Manager entrepreneurs.

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So join us if you believe, you have the dreams and the passions to grow. We will guarantee you a great learning experience and in line with our vision to be the most preferred employer in the financial services space.

Manish Kumar Senior Vice President & Head Human Resource Department

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COMPANYS PRODUCTS & SERVICES

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PRODUCTS & SERVICES

Easy Equity & Derivatives Investing in equity & derivatives was never so easy. As the Best share broker in India* our products and services are focused at making investments in equity & derivatives as simple as writing a cheque. Research: "What do I Buy?" Isn't this a common question we all have while investing in equity & derivatives?

Our in house research team is among the best in the industry and they have years of experience in the financial markets. Through in depth stock market analysis they offer stock recommendations that have a high potential of providing you good returns. Know more SMS Alerts: You can get stock alerts on mobile in addition to expert tips and recommendations as SMS on your mobile phone so that you know what to invest in at all times. Trinity Account: A 3 in 1 trading account that integrates your Trading, Bank and Demat account. With Trinity Account your transactions will be seamless and very convenient.

Competitive Brokerages:
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We bring you brokerage rates which are among the most competitive in the industry. Our low brokerage rates let you concentrate on investing your savings without worrying about the cost of investment. Know more Call and Trade: You can capitalise on market opportunities even when your computer is inaccessible. Call & Trade essentially provides you the convenience of trading in equity & derivatives by making a simple phone call. Know more

KEAT Pro X: Use this superior trading platform to monitor market movements, view your gains and losses and order placements instantaneously. Know more Mobile Stock Trader: It is exclusively designed to give you instant access to the stock market through your mobile phone, thereby allowing you to catch every little market movement when you are on the move. Know more Kotak Securities News: You have access to comprehensive stock market news, right from its results, earnings, bonus, share holding patterns etc. Also know about market developments, latest happenings, stock movements and lots more.

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Twin Advantage: You not only get exposure against the cash margin in your trading account but we also automatically provide you with exposure against the shares lying idle in your DP account. All this comes to you at no extra charges.

Easy Derivatives Trading If you are not averse of taking risks, derivatives can prove to be a good investment option especially with our research

We, at Kotak Securities, have strived to make trading in futures & options simpler. Our derivatives seminars educate new entrants in the stock options & futures trading market to be more equipped with knowledge and techniques. Once you have the knowledge of trading in derivative instruments our daily derivative reports will provide you with strategies that may yield good returns for you You can also refer to the Kotak Securities Academy to learn more about derivatives.

To start trading in derivatives, all you need to do is open an online trading account. Choose from our wide range of accounts to suit your investment needs. Easy IPO Investing in IPOs is not complex anymore, Kotak Securities has made buying IPOs very simple. All you have to do is make one phone call, and that's all. No IPO application forms, no queues,
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simply pick the phone or log on to www.kotaksecurities.com and place your IPO order within seconds.

We also provide with you with information on IPO News , Forthcoming IPOs in India and a lots more.

To start investing in IPOs, all you need to do is open an online trading account. Choose from our wide range of accounts that suits your investment needs.

To open an account, call us or fill in your contact details by clicking here and we will have our representative meet you.

These demos will demonstrate the process to invest in IPO online.


1. How to Transfer Money from bank to IPO? 2. How to place an order for an IPO? 3. News Channel

Easy Mutual Fund No more paperwork, no more queues. We have made investing in

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Mutual funds As simple as dialing a pizza.

You can now invest in over 3000 different mutual fund schemes (in the Indian stock market) online or through your phone. And to make this choice of choosing between which

Mutual funds Scheme to invest in,we offer you our exclusive mutual fund research.

Investment in mutual fund can be made simply by going online and logging on to www.kotaksecurities.com or just making a phone call . No paperwork no queues. Simply pick the phone or log on to www.kotaksecurities.com and place your order.

These demos will demonstrate the process to invest in Mutual Funds online.
1. How to Transfer Money from bank to Mutual Fund? 2. How to place an order/modify/cancel order? 3. News Channel

If we with its various challenges gives you opportunities to tackle them too. One of them is getting insurance. We at Kotak Securities offer you a host of insurance options to help you stay protected and financially secure.

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You can choose from various plans based on your needs and make an informed financial decision for you and your loved ones. Currency Derivatives "Never keep all your eggs in one basket" - Financial markets are a classic example of this proverb. These markets all around the world in all categories and at all points of time have taught us to keep our investments diversified into various instruments. Hence, we at Kotak Securities have brought a new investment opportunity for all Resident Indians, who can now diversify their portfolio, by trading in Currency Derivatives.

Currency derivative is a contract between the seller and buyer, whose value is to be derived from the underlying asset, the currency amount. A derivative based on currency exchange rates is a future contract which stipulates the rate at which a given currency can be exchanged for another currency as at a future date. For the first time this segment is accessible to the retail players in the Currency trading

market. Further, Kotak Securities clients will enjoy the following major advantages:

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A) Currency Derivatives (Currency Futures), Equities and Mutual Funds can be traded on one trading platform B) Your Cash margin with Kotak Securities can be used for all the three segments C) Exclusive research reports and seminars for Currency Derivatives Trading

Portfolio Management services What is Portfolio Management? Managing investments in equities requires time, knowledge, experience and constant monitoring of stock market. Those who need an expert to help to manage their investments,

Portfolio management services (PMS) comes as an answer.

The business of portfolio management has never been an easy one. Juggling the limited choices at hand with the twin requirements of adequate safety and sizeable returns is a task fraught with complexities.

Given the unpredictable nature of the share market it requires solid experience and strong research to make the right decision. In the end it boils down to make the right move in the right direction at the right time. That's where the expert comes in.

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ABOUT KOTAK SECURITIES PORTFOLIO MANAGEMENT.


Kotak Securities is one of Indias oldest portfolio management companies with over a decade of experience. It is also one of the largest, with Assets Under Management of over Rs. 3300 Crores. Kotak Portfolio Management comes as an answer to those who would like to grow exponentially on the crest of stock market, with backing of an expert. We, at Kotak, measure our success through the success of our clients. Whatever be your requirement, we will tailor your stock market portfolio to your specific investment need.

At the very base of a financially sound portfolio lies the identification of one's investment objective. We help you identify your investment objectives and also outline important requirements like liquidity, capital appreciation, current income, time span and fiscal implications and then suggest an appropriate scheme. How do you benefit from our Portfolio Management Service? An Investment Relationship Manager will ensure that you receive all the services related to your investment needs A dedicated website and a customer services desk allows you to keep a tab on your portfolios performance Your portfolio of investments in stock market is tailored after a thorough research backed by the expertise from the Kotak Securities Research team An experienced team of portfolio managers ensure your portfolio is tracked, monitored and optimised at all times
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The personalised services also translates into zero paper work and all your financial statements will be e-mailed Products We have a product for every investment need and period. Following are the offerings: BEP Large cap focus portfolio NRI TYPES OF ACCOUNTS AutoInvest - Online Trading Account for Stocks, Gold ETF & Mutual Funds Do you dream of being rich? Who doesn't? But not many have a investment strategy in place to build wealth. Presenting AutoInvest - an Online Trading Account based on Systematic Investment Planning, in Gold ETFs (Exchange Traded Funds), Equities and Mutual Funds. Assistance in investments, coupled with Systematic Investing, truly makes this product a very good option for investors. AutoInvest provides a combination of Gold ETFs, Stocks and Mutual Funds recommended by our Advisors, depending on an investor's risk appetite and investment view.

AutoInvest is unique from a general SIP in a way that it assesses the risk profile and investment objectives of the investor, an important practice that Mutual Funds fail to carry. We offer 4 distinct Investment Portfolios based on your risk taking ability. Are you new to trading? Do you want to feel the waters before you swim? If Yes, this is an ideal stock trading account for you. As an independent Investor, you will have access to all the research and trading facilities to execute your trades. You can decide what to buy, when to buy etc. either based on your own research
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or

use

Kotak

Securities

research.

Kotak Securities Gateway Account, an Online Trading Account opens the gateway to a world of investing opportunities for you. You may be anywhere, anytime and still manage to place your trades using the Internet or our Call and Trade Facility. Open the Kotak Securities Gateway Account and get started!

Kotak Privilege Circle - Online Share Trading Account Are you in search of the best online share trading and investing services for your individual financial needs? You are at the right place; we offer you nothing but the best. Understanding your individual investing needs we at Kotak Securities make sure you get to enjoy premium and top of the line trading services only with Kotak Securities Privilege Circle. It is an internet based trading account.

Executing your trades Independently with this online trading account gets you the lowest charges in the industry as well as privileged services that only a few enjoy. Advance Fee Account

If you are a consistent investor in the stock market and would like to take the advantage of your consistent trading then we offer you Advance Fee Account. As a benefit of your consistent trading, we offer you extremely low charges during the validity period.

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Based on your requirement you can choose a plan which will best suit your need. There are various plans available starting from Rs.1000 with 6 months validity to Rs.4000 with 6 months validity.

Portfolio Management services What is Portfolio Management? Managing investments in equities requires time, knowledge, experience and constant monitoring of stock market. Those who need an expert to help to manage their investments,

Portfolio management services (PMS) comes as an answer.

The business of portfolio management has never been an easy one. Juggling the limited choices at hand with the twin requirements of adequate safety and sizeable returns is a task fraught with complexities.

Given the unpredictable nature of the share market it requires solid experience and strong research to make the right decision. In the end it boils down to make the right move in the right direction at the right time. That's where the expert comes in. About Kotak Securities Portfolio Management.

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Kotak Securities is one of Indias oldest portfolio management companies with over a decade of experience. It is also one of the largest, with Assets Under Management of over Rs. 3300 Crores. Kotak Portfolio Management comes as an answer to those who would like to grow exponentially on the crest of stock market, with backing of an expert.

We, at Kotak, measure our success through the success of our clients. Whatever be your requirement, we will tailor your stock market portfolio to your specific investment need.

At the very base of a financially sound portfolio lies the identification of one's investment objective. We help you identify your investment objectives and also outline important requirements like liquidity, capital appreciation, current income, time span and fiscal implications and then suggest an appropriate scheme. How do you benefit from our Portfolio Management Service? An Investment Relationship Manager will ensure that you receive all the services related to your investment needs A dedicated website and a customer services desk allows you to keep a tab on your portfolios performance Your portfolio of investments in stock market is tailored after a thorough research backed by the expertise from the Kotak Securities Research team An experienced team of portfolio managers ensure your portfolio is tracked, monitored and optimised at all times The personalised services also translates into zero paper work and all your financial statements
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will be e-mailed Products We have a product for every investment need and period. Following are the offerings: BEP Large cap focus portfolio NRI Non Discretionary Portfolio Management Service (NDPMS) When you invest your hard earned money, it is imperative to know all about your investments. Take a step forward towards Informed Investments, with Kotak Securities' Non Discretionary Portfolio Management Service (NDPMS) - a consultative and transparent method of investing. With NDPMS you are always consulted and informed of all investment decisions, thus giving you total control of your portfolio.

How you benefit with NDPMS Transparency: At most times the rationale behind your investments is a matter of concern. With NDPMS our Portfolio Managers will always keep you apprised of the reason behind investment decisions, plus you are always kept up-to-date on the allocation and distribution of your funds.

Scientific Investment Decisions: NDPMS provides a scientific and disciplined basis for investing. Besides you have the flexibility of making investment decisions after speaking to our Research Team.

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Expertise: Traditional investment options do not provide a team of dedicated investment consultants. NDPMS will provide you exclusive access to the Research Desk and their Proprietary Research Reports.

Learn while your earn: The Consultative Investment Approach of NDPMS gives you an opportunity to learn the nuances, understand the rationale and details behind every investment decision.

Convenience: View all your transactions online and get access to an auditor's report which simplifies tax filing.

The NDPMS research desk


A 12 member research team lead by an experienced Economist Specialized Sector Analysts with diverse domain knowledge Emphasis on global research and benchmarks Active use of alternative research methodologies According to the World Bank, India was already the fourth largest economy in 2001 in terms of Purchasing Power Parity. With a consistently high GDP, and a buoyant and

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dynamic economy, India continues to outpace other economies in the region. According to the IMF, India has accounted for around a fifth of Asian growth and a tenth of world growth over the past two years.

Indian companies are making their mark globally with remarkable progress being made in IT, ITES, Pharmaceuticals, Biotechnology and a host of other sectors. There is reason enough to believe that these sectors will source the stock markets as a prospective avenue to source capital for expansion plans.

India has a vibrant domestic credit market with an active corporate and government bond market, interest rate and credit derivative markets. More importantly, the interest rates in India are determined by the market.

The Bombay Stock Exchange, founded in the 1870s, is the oldest stockexchange in Asia. With 6,000 companies listed from every imaginable industry, investors have a plethora of options to participate in India's growth. Most FII'S have started investing heavily in the Indian stock markets and with most industries giving healthy returns on investments, indications are that the markets will continue to perform above expectations.

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With over 20 million investors, India boasts of the third highest investor base in the world, unthinkable till a few years ago.

Speedy execution and Real time rates Time is of the essence. And in the stock market, every second counts; which is why Kotak Securities brings you Real-Time Rates of stock price movements as and when they happen. Plus news, ticker rates, many more advanced tools to help you make the decisions!

Know instantly and react smart. Kotak gives you the ability to invest smartly.

Kotak Securities provides Speedy Execution in a fast moving environment with the very best in trade technologies,

trading experience and the ability to understand the clients specific needs to help meet and exceed targets. Trading in your hands With Kotak Securities, making your investment decisions becomes a lot easier and speedier. All you need to do is trust your instinct and experience and go for the stocks you want to - because we put trading in your hands, literally.

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We understand the significance of executing your order at the time you think is right. In such events, delay caused while consulting a party or broker can make you lose the opportune moment.

Kotaksecurities.com gives you access to a full range of trading, investing and financial products. Our advanced trading tools process information as soon as there is a price movement and help you decide on your stocks instantly. You can also get real time quotes and live reports including Order report, Trade report and Net position Report, which you can easily see on your desktop. Plus intraday charts, EOD charts (right from NSE inception) along with all the charting tools and indicator which enables you to decipher the market trends. And lots more so that you can get the best deal out of your stocks. Super tools For an active trader like you, just knowing the market rates or price fluctuations is not enough. Kotak Securities brings you a range of advanced on-line trading systems along with your online trading account where you can see, follow and analyse market movements and take informed decisions, every time.

KEAT and KEAT Premium are two such trading tools that enable you to view unlimited scrips, Intraday and historical charts for scrips, set scrip alerts, use most of the charting tools, view the graphs type you want to, see derivative chains, see online order and trade confirmations, view dynamic net positions, dynamic profit and loss, select indices/sectors or business groups and lots

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more. All charts come with the best charting tools and indicators to help you decipher market trends easily.

Designed specifically to your needs, you can further trim these tools to fit your requirements comfortably. You can customise the tools so that you can view all charts and reports and much more at a glance in one screen - so that stock trading is truly at your fingertips.

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68

INTRODUCTION TO THE TOPIC

INTRODUCTION TO THE TOPIC


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The objective of the project is to find the sales potential of Demat Account in Delhi and NCR regions. The research will help what the current trends are in the market and the competitors product offering are relates to share market and recommendations to increase the market share. Specifically, the research objective is to:
1. To study the Mutual funds industry in detail- This will done by managing

2. The Various client relationship and educating them about the various benefits that Mutual fund offer as compared to bank FDs, National saving certificate etc. this also involves studying in depth about the various schemes offered by PRINCIPAL PNB Asset Management Company. To study about the investment Procedure in Mutual funds To study the investors preference in mutual funds by way of questionnaire And Personal visits to clients. To generate sales for the company Awareness of the competitors product among investors. Determine the type of services needed by the investors. Gather and analyze the future aspirations of the investors with respect to the demat account. Rank and evaluate the relative importance the Share Market parameter associated with the Demat Account. Comparative analysis of various mutual funds schemes of PRINCIPAL with that Of the other on the bases of Alpha, beta, stander Deviation, Sharp ratio and Tenor ratio

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This research will provide Standard chartered bank with information like current Market share of Securities Company and also a detailed analysis of the services Offered by stock & securities broker and stock & Securities Company and what are the most important criteria for selecting a particular securities company. The company can also get data on prospective customer by designing its product offering and marketing strategy in a way so as to attract more clients in the near future. The purpose of the undergone study is to study the Demat Account services of the different bank & other securities companies & evaluates the competitive position of Standard chartered so as to suggest way to increase its market share. The main problem faced by the company was that it had a very less customer base. The companys own product had very less market as compare to its third party selling. The company does a third party selling for all the investment products. The study thus focuses on following dimensions: 1. To identify the critical factors that influences the buying behavior of Investors. 2. To know the investor acceptance of the services of Standard chartered 3. bank in Delhi & NCR regions. 4. According to current scenario it is a very relevant Topic. 5. To assess the problem volume of future sales Many big company are dealing in this market.

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METHODOLOGY

RESEARCH METHODOLOGY

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Research Methodology in a way is systematic representation of research or any other problem. It is a written game plan for conducting research. It tends to describe the step taken by a researcher in studying the research problem along with a logical background. It tends to describe methodology for solution of the problem that has been taken for the purpose of study this project focuses on the methodology for technique used for the collection, classification & tabulation of the data. This plan throws light on the research problem, the objective of study & limitation of the study. Therefore, in order to solve a problem, it is necessary to design a research methodology for problem as the same way differs from problem to problem. Type of Research Research methodology is a way to systematic solve the research problem. It is a procedure, which is followed step by step to solve a particular research problem. There are basically four types of researches EXPLORATIVE RESEARCH DESCRIPTIVE RESEARCH DIAGNOSTIC RESEARCH HYPOTHESIS TESTING RESEARCH Explorative Research To gain familiarity with the phenomenon or to achieve an insight into it.

Descriptive Research
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To poetry accurately the characteristic of the particular individual situation or a group. Diagnostic Research To determine the frequency with which something occurs or with which it is associate with something else. Hypothesis Testing Research. To test a hypothesis of casual relationship between variables. The present project is Descriptive in nature. It is done to poetry accurately the characteristic of a particular individual situation or a group. The major purpose is descriptive research is the description of the state of the affairs as it exits at presents. The main characteristics of this method are that the researcher has no control over the variables; he can only report what has happened or what is happening. Statement of research problem A research problem, refers to some difficulty which a researcher experiences in the context of either a theoretical or practical situation and wants to obtain a solution for the same. Here the research problem is mutual funds (special reference with PNB).

Statement of research objectives

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It aims at getting an insight in to Retail loan. It also aims at familiarized with the customer during the market survey help me a lot in understanding the practical aspect of the loan as a whole .

To give level of information to the customer. To give satisfaction regarding services offered by bank To make out which bank provide services with best resources

To know the awareness among the common man about loan which they want to take.

RESEARCH DESIGN AND METHODOLOGY Research is a systemic and objective process of gathering recording and anayzing data for aid of making decision regarding a particular problem. RESEARCH DESIGN The research design is a master plan specifying the methods and procedures for collecting and analyzing the needed information the research design of my dissertation is DESCRIPTIVE RESEARCH Descriptive research includes surveys and facts findings inquiries of different kinds.

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RESEARCH INSTRUMENTS QUESTIONNAIRE SAMPLE DESIGN

target population people of industries sample size 100 people

Sampling technique convenience and judgmental

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OBJECTIVIES

OBJECTIVIES OF THE STUDY


77

The study is the part of academic curriculum of 3 years BBA therefore the primary objective of this study is to fulfill the requirement for the award of BBA degree of C.C.S.UNIVERSITY MEERUT. The present study was carried out with the objective to know Scope of share market and its various catchments areas of Punjab current securities company. So as to know strength and

weakness of share schemes of securities company, So that strengths can be increased and weaknesses can be made the best in securities Industry.
To study the invester perceptions about various securities company. To know the level of awareness among consumers about Share Market. To make people know about the various products offered by securities company. To know the interest level of the consumers to get associated with share market. To collect various suggestions from the consumers to make share market better one. To study the Mutual funds industry in detail- This will done by managing the Various

client relationship and educating them about the various benefits that Mutual fund offer as compared to bank FDs, National saving certificate etc. this also involves studying in depth about the various schemes offered by PRINCIPAL of Securities Management Company. 1. To study about the investment Procedure in Mutual funds. 2. To study the investors preference in mutual funds by way of Questionnaire and Personal visits to clients.

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DATA ANALYSIS & INTERPRETATION

DATA ANALYSIS & INTERPRETATION


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Type of companies

Others, 11% Softwares, 3% Cloth Mfg., 2%

Logistics, 15%

Jewellers, 69%

What are major countries through which you do import / export transactions
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Others, 15%

, Japan, 55%

Germany., 70%

China, 20%

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For your foreign exchange transactions which form of facilities youre use

Others, 15%

, Bank Guarantee, 40%

Letter of Credit, 25%

Remittances, 25%

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What is the tenure of your trading company guarantee?

0-2 years 21%

8 years & above 44%

2-5 years 16%

5-8 years 19%

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What is type of your company guarantee?

0% Perfomance 43% Financial Guarantee 57%

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Which form of remittances are you involved in?

Outward 48% Inward 52%

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When an inward remittance is received what is the amount you convert it to Indian rupees

EEFC 24%

100% Conversion 47%

INR 29%

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Are you utilizing yours time in share trading with kotak Mahindra securities.

0%

No 46% Yes 54%

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Which type of trading you want on kotak securities?

Import Operation under L.C. 13% Standby 17%

Revocable 22%

Transferable 7%

Confirmed 17%

Irrevocable 24%

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How do you find trade products provided by kotak securities?

Good 28%

0%

Poor 12% Satisfactory 24%

Very Good 20%

Excelled 16%

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What are the areas of improvement?

Product 14%

0%

Updates 13% Technology 11%

Service 37%

RM 25%

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CONCLUSION

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CONCLUSION
After going through my whole study I came to the conclusion that different Company of India either private or public both provides investment scheme With the objective to generate income. They have many financial schemes regarding Commercial investment There are many people who are satisfies with the Scheme. The procedure of Investing from this company is simple and easy and also costumer friendly. I also come to know that many industrialist, traders, and new entrepreneur were aware of these schemes. Portfolio Diversification:- Mutual Funds invest in a well-diversified portfolio of securities which enables investor to hold a diversified investment portfolio (whether the amount of investment is big or small). Professional Management:- Fund manager undergoes through various research works and has better investment management skills which ensure higher returns to the investor that what he can manage his own. Less Risk:- Investors acquire a diversified portfolio of securities even with a small investment in a Mutual Fund. The risk in a diversified portfolio is lesser than investing in merely 2 or 3 securities. Low Transaction Costs:- Due to the economies of scale (benefits of larger volumes), mutual funds pay lesser transaction costs. These benefits are passed on to the investors.

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Liquidity: - An investor may not be able to sell some of the shares held by him very easily and quickly, whereas units of a mutual fund are far more liquid. Choice of Scheme: - Mutual Funds provide investors with various schemes with different investment objectives. Investors have the option of investing in a scheme having a correlation between its investment objectives and their own financial goals. These schemes further have different plans/options. Transparency: - Funds provide investors with updated information pertaining to the markets and the schemes. All material facts are disclosed to investors as required by the regulator. Flexibility: - Investors also benefit from the convenience and flexibility offered by Mutual Funds. Investors can switch their holdings from a debt scheme to an equity scheme and vice-versa. Option of systematic (at regular intervals) investment and withdrawal is also offered to the investors in most open-end schemes.

Safety:- Mutual Fund industry is a part of a well-regulated investment where the interests of the investors are protected by the regulator. All funds are registered with SEBI and complete transparency is forced

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LIMITATION

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LIMITATION
It is very small research, which may be insufficient to give the real picture scope of the share market. The research is based on collected data and the researcher is not responsible for any wrong inference drawn due to the incorrect filling of the questionnaire by the respondents. The method of result is also limited to the reliability of method of investigations, measurement and analysis of data. People were not interested in filling questionnaire properly. Investing scheme has been revised very soon.

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RECOMMENDATION

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RECOMMENDATION
Securities Company needs to provide such type of facilities as much as possible because these students can be the future customers of the company for other services also. As far as branches are concern they are not providing much attention on promoting these facilities as compare to top management of the company so proper steps must be taken for that. Visiting schools and colleges for promotion purpose is only practicing in Delhi region it should be on national basis.In case of any kind of delay in service proper feedback system should be there. More efficient staff should be appointed so that they can easily provides all the cooperation required by the customer.Unnecessary formalities should be removed and should try to reduced the large documentation process while sanctioned investing.Interior space should be extended so that people will freely move during rush hour. News paper and magazines should kept for customers, so that they feel relaxed until their transactions are over. As study reveals that securities company schemes are the best as compare to there sector it should be capitalized as much as possible.

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BIBLIOGRAPHY & REFERENCES

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BIBLIOGRAPHY & REFERENCES


www.sebi.gov.in www.gogle.com www.business.niapsofindia.com www.ficci.com www.networkmagaziineindia.com www.kotaksecurities.com www.onlinebrowking.com REFERENCES Business Magazines Presentation by Trainers

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