Welcome to Kotak Mahindra Bank

Salary2Wealth Proposition for

M/s HEX DOF ENGINEERING SERVICES PRIVATE LIMITED

Kotak Group Advantage

Kotak Mahindra Bank

Financing Business Kotak Mahindra Prime

Kotak Mahindra Investment Ltd

Capital Markets / Kotak Mahindra Capital Company

Investment Banking Kotak Securities
Kotak Mahindra Group

Kotak Mahindra Old Mutual Life Insurance

Insurance
Business

Kotak Mahindra AMC

Kotak Mahindra Trustee Company

Kotak Mahindra Trusteeship Services
AMC Business
Kotak Mahindra Pension Fund
Kotak Investment Advisors

International Kotak Mahindra (UK)

Business Kotak Mahindra (International)
Kotak Mahindra Inc.

Others Kotak Forex Brokerage

Our Reach

Count as on 1st Feb 2016

1987 ATMs
1288 Branches
649 Locations
About Salary2Wealth

Salary2Wealth is a comprehensive product suite to cater to the financial needs of the Salaried Segment by
providing end-to-end solutions straddling four basic financial needs.

Top
Managemen
t The Salary2Wealth proposition is delivered to
employees through :

a)Superior Banking Proposition

b)Customized Investment Services
c)Competitive Loans and Card products
Middle d)Value added offers
Managem
ent

Entry
Level
Kotak Salary2Wealth Platform

Under the Salary2Wealth platform, we offer:

1) Differentiated Corporate Salary account

2) Investment Products/ Services – MF, Demat & Insurance
3) Priority Proposition for Sr. Management
4) Retail Loans/Cards – Home, Car , Personal, Credit Cards
5) Over Drafts
6) NR Accounts
7) Travel & Corporate Cards
8) Best Compliment Cards
9) ATM’s @ Corporate premises
10) Finmall @ Corporate premises
11) Parichay @ Corporate premises

Additionally, we also offer :

1) Mid & Senior Management Programs

2) Knowledge Series Workshops
3) Women Specific Programs
4) Car Lease Program
5) Jeene Ki Azaadi Program (Insurance)
6) Online Investment tools – hosted on the company intranet
7) Annual Engagement Calendars
Privy Proposition for Top Management
Privy Proposition for Top Management:
Banking Benefits
• The Privy League programme for our elite Salaried clients is offered under the Privy
League Optima proposition.

• Free Privy League Signature Visa Signature Debit Card with default cash withdrawal
and purchase limit of INR 3,00,000 & INR 4,00,000 respectively per day

• Fuel Surcharge waiver at all petrol pumps

• Complimentary insurance benefits on your card:

• Air accident insurance cover of INR 10,000,000

• Lost card liability insurance of INR 400,000
• Lost baggage insurance of INR 100,000
• Purchase protection of INR 150,000

• VISA Global Customer Assistance Services & VISA Concierge Service

• Up to 50% discount on Lockers*

• Smart Home facility on Home Loans & Smart OD on Personal Financing

• Lifetime waiver on annual maintenance charges on Demat Account

• Privy League Signature Credit Card with host of benefits

Please refer to General Schedule of Fees & Charges on www.kotak.com
*Subject to locker availability in branch
Platina Proposition for Senior Management :
Banking Benefits

• Earn interest up to 6% p.a on your savings account balance above 1 lac

• Dedicated Relationship Officer & Service Desk

• Activmoney and Linked Term Deposit – maximize the interest earning on your savings account.
Activmoney sweep-out and sweep-in limit of Rs.2 lacs and 1 lac respectively

• Preferential pricing on Loans and 3-in-1 account. Demat account opening charges and first year AMC waived

• Free Global Platinum Debit Card

• Free Home/ Office Banking – 10 visits per month

• Free unlimited Payable At Par (Multi City) Cheque Book

• Free DDs / POs at Base branch location

• 25% discount on locker rates*

• Free third party Fund Transfer – NEFT, RTGS and IMPS

*Subject to locker availability in branch

Ace Proposition for Mid Management :
Banking Benefits
• Earn interest upto 6% p.a on your savings account balance above 1 Lac

• Dedicated Relationship Officer & Service Desk

• Activmoney and Linked Term Deposit – maximize the interest earning on your savings account.
Activmoney sweep-out and sweep-in limit of Rs.1 Lac and 50,000 respectively

• Zero maintenance charges on your Demat for the 1st year

• Anywhere Banking, across branches at home location

• Free unlimited DD’s / PO’s at Base branch location

• Free third party Fund Transfer – NEFT, RTGS and IMPS

• Free unlimited Payable At Par (Multi City) Cheque Book

• Free Home/ Office Banking – 10 visits per month

Platina / Ace Proposition :
Debit Card
Platinum Debit Card

• Accepted worldwide, this unique card comes with a flexible usage limit

• Default cash withdrawal and purchase limit of INR 2,00,000 & INR 2,00,000
respectively per day

• Unlimited free transactions at Kotak & non-Kotak VISA ATMs in India.

• No fuel surcharge at any fuel station in India

• Complimentary insurance benefits on your card:

• Air accident insurance cover of INR 20, 00,000
• Lost card liability insurance of INR 200,000
• Lost baggage insurance of INR 100,000
• Purchase protection of INR 100,000

• Chip card with enhanced transaction security and enabled for international transactions
 Edge Proposition for Junior Management :
Banking Benefits
• Free Classic Debit Card

• Earn interest up to 6% p.a. on your savings account balance above 1 Lac

• ActivMoney – Enjoy liquidity of a Savings Account with the attractive returns of a Term Deposit – auto Sweep in /
auto Sweep-Out facility at minimal threshold of Rs. 20,000/- in Savings Account

• Office Banking/ Home Banking

• Unlimited free transactions at Kotak ATMs & 5 free transactions at non-Kotak VISA ATMs in India

• Higher swipe at POS of up to Rs.1.50 Lac &

ATM withdrawal of Rs.50,000

• Lost Card Liability Insurance of Rs.1.50 Lac

• Purchase Protection of Rs.50,000

• Payable at Par Cheque book

Please refer to General Schedule of Fees & Charges on www.kotak.com

 Salary2Wealth Family Banking

Key Features:

• Employees can open up to 3 NMC waived (ZERO Balance) accounts for their family member

• 6% Interest on balances > = 1 lac, 5% on balances < 1 lac.

• ActivMoney – Auto Sweep-in / Sweep-Out facility. Auto FD creation for 180 days giving customer an option of
earning higher interest rate on the funds in savings account
• NEFT/RTGS
• IMPS – transfer funds instantly using IMPS 24 x 7 – even on Sunday
• Free Mobile Banking Apps; Net-Banking, Bill Pay, Auto Pay facilities

• Special Junior Account for employees children – with special tie-ups and alliances. Introductory offer for 1st year
gives option to choose from either Movie Tickets or Book Vouchers.

• Special Silk Savings Programme for Women – with special tie-ups and alliances. Get rewards on Kotak Silk Debit
Card Spends - Cash back or Free Movie Tickets
 Financial Planning

• AMFI/ IRDA certified dedicated Relationship Officer mapped for each

employee to manage investments and banking

• Best in class Brokerage Rates on Demat & Trading Account (Kotak

Securities Account) – Free Online Trading account with waiver on
Account opening fees

• Life Insurance – You would have access to multiple life insurance

products from Kotak Life Insurance Company, a Kotak group company

• General Insurance You can also avail of general insurance products

• Term Deposits / Recurring Deposits

• National Pension Scheme

 Financial Planning

• Investment Account – Unique Single Window account

• 24x7 transaction into Mutual Fund units through the internet – purchase or redeem over 2200 funds

• Keep a track of your Mutual Fund portfolio online

• Mutual Funds Recommendations, return analysis, research reports

Credit Card

Employees have a wide suite of cards to select from, depending upon their spending and lifestyle habits

Eligibility - Employee will get Credit Card with Monthly Net Salary from Rs 15,000 and above.

Type of Credit Cards :

Essentia Card –10% Savings on Departmental and Grocery Shopping

Delight Card – 10% Cashback on Movies / Dining through-out the year across all Restaurants / Movie Theatres

PVR Kotak Card – Exclusive PVR Card that offer up to 2 movie tickets free every month on spends of Rs. 7500/-

League Platinum Card – Premier rewards program to earn accelerated rewards points along with Milestone Program
offering 4 PVR tickets every 6 months

Royal Signature Card – 10X – 15X reward points on select categories. Redeem points across Air Tickets, Mobile Re-
charge and merchandise.
Personal Loans

Top
Management
PERSONAL LOAN

• Personal Loan at Attractive Interest Rate – Special Interest Rate - 15.9 % *

• Eligibility :

• Employee can avail personal loan with Monthly Ne t Salary of 25,000 / - *

• Documents Requirement :
• Recent Passport Size Photo – 1 No
• Copy of PAN Card – 1 No
• Copy of Address Proof - 1 No
• Copy of Last three months Payslip
• Copy of Last three monthsEntry
SalaryLevel
account Bank Stetement
• Copy of Companyt ID Card - 1 No
• Own house proof - Any where in TN ( EB Card No )

• Flexible Repayment Options

• Personal Loan upto 5 years
Car Loans

Top
Management

CAR LOAN – offered by KPML

• Offered by Kotak Mahindra Prime Ltd, a Kotak Group company

• Upto 100% Funding Option
• Attractive Rate of with flatEntry Level fee with 3 – 5 year tenure
processing
• Dealer Tie-ups and regular offers/ promotions exclusive for Kotak
Customers
Home Loans

Top
Management

HOME LOAN

• Simplified Documentation & Quick turnaround time

• Home Loans at attractive rate

Entry Level
Service Platform

KEY FEATURES:

• Dedicated Relationship and Service Team

• Dedicated service ID’s across locations with a 4 hours

TAT on response time (working hours)

• Exclusive Service call back option for Privy Optima

Customers . Just SMS KPRIVY to 5676788 from your
registered mobile number and get a call back within 30
minutes. (This service is applicable for SMS received
between 9:30 am and 6:30 pm from Monday to
Saturday)

• Account opening TAT of 5 working days.

• Max 5 days TAT for resolution of request, query (or)

complaint.

• Parichay desks conducted at corporates premises - This

is an audited program where the VoC is also captured &
actioned upon .
Technology & Convenience Platform
• Single Customer Relationship Number for Banking, Investments, Loans

• Single window platform for Banking, Investments, Demat, NPS, Credit Card, Insurance.

• Convenience / Security Features

• Dynamic Access Code on Net Banking
• E-Tax
• Online Bill/Utility Payments
• Netc@rd
• Balance & Transaction Alerts
• Single Contact Centre no across products
• Phone Banking – 24 x 7 service

• IMPS (Immediate Payment Service) – transfer funds instantly to other bank using IMPS 24 x 7 (even on
weekends / holidays)

• Mobile Banking – advanced and user friendly Mobile Banking platform on the go

• Kotak Offers Mobile App – an exclusive mobile application to stay updated on latest offers on cards

• KAYPAY facility to transfer funds to friends on Facebook

• Mail Money / Message Money – Send money via email / sms without adding a beneficiary

• Kotak Money Watch – Personal Finance Tool

• HASHTAG Banking
 Kotak Mobile Banking
What can customers do in the Kotak Mobile app?

Send money

One time fund

transfer w/o adding
Mobile beneficiary
PIN
recharge
change

Top
Manage
ment

Encrypted with secured

Message
Bill Pay HTTPS protocol
money

Two Factor Authentication –

Customer’s registered
mobile number and 6-digit
PIN
Hotel & Flight Multiple
Booking CRN
Term deposits /
Entry
Level
Recurring Deposits
Salary2Wealth - Offers

Buy 1 Get 1 Discounts

Free on Flat Rs. 2500 on 700+
Saturdays cashback* restaurants

Exclusive
Discounts on Get Flat 50% OFF
Travel Deals Rs.1000 off

Kotak Offers & Discounts *

Terms & Conditions apply. For complete details and offer validity please refer to www.kotak.com/kotakoffers
Salary2Wealth - Corporate Level Benefits
• Dedicated Relationship Manager

• At Corporate level
• At Employee level

• Single point of contact across Kotak Consumer Bank offerings which include:

• New Pension Scheme (NPS)

• Car Lease Program
• ESOP Financing
• Corporate Credit Cards
• Best Compliment & Travel Cards
• NR Accounts
• Employee Engagement Activities

• One Point Salary Help Desk ids for best in class servicing

• Tab Account Opening – faster & smooth account opening experience

• Insta Accounts – better TAT

• Web Based salary upload process

• Keyman Insurance for Top Management employees

• Kotak Corporate Banking product suite to cater to the corporate banking requirements

• ATM Machine setup within office premises based on feasibility check

 National Pension Scheme

• NPS is a Government of India initiative to

provide old age security to all citizens of
India. The details of the product are defined
and regulated by PFRDA.

• Provides tax benefit

• Market Linked Returns
• Systematic Investment for building retirement
corpus

• Kotak Mahindra Pension Fund Ltd. Is appointed by PFRDA & would manage the retirement savings under the NPS.
PFRDA has authorized Kotak Mahindra Bank Ltd as one of the Points of Presence (POPs) for accepting applications &
remittances

• NPS is designed as a voluntary saving scheme, with restricted withdrawal options. This ensures that the investor can
set aside savings during his working life to create a pension corpus

• Market based Returns: NPS offers the investor an option to decide an asset allocation between Equity Instruments,
Corporate Bonds and Government Securities, with up to 50% exposure to Equity instruments

• Tax Benefit: Investment in NPS is eligible for tax exemption under Section 80CCD read with Section 80CCE of the
Income Tax Act, 1961
 Kotak World Travel Card

Product:
• Cards are issued in 7currencies i.e. USD, EURO, GBP, AUD, Swiss
Franc, HKD, Sing Dollar,
• Over The Counter Purchase at Merchant Outlets accepting Visa Cards
• Cash Withdrawal transactions in foreign currency through VISA ATM’s
worldwide
• Separate Web Log in to manage Card Accounts
• SMS & Email for every transaction

Complimentary Insurance:
• Loss of Passport or Travel Documents of up t o Rs.50,000
• Air accident - Air Accident Cover of Rs.1,500,000
• Loss of Checked in baggage - Provides reimbursement for loss of
checked in luggage while Travelling abroad of up to Rs.50,000
• Loss of Card - In case the card is lost or stolen, the customer is protected
for Lost Card Liability of up to Rs.200,000/-.
• Purchase protection up to Rs.100,000
Kotak Corporate Banking

We provide a comprehensive product suite to cater to the corporate banking requirements of our clients by offering
customized solutions & services.

Product Bouquet

Transaction
Finance Investments Treasury
Banking

• Working Capital • Trade Finance • Term Deposits • Debt Capital

Markets
• Long Term Loans • Supply Chain • Mutual Funds
Solutions • Forex and
• Structured • Structured Derivatives
Finance • Remittances Instruments

• Cash
Management

• Escrow Services
Kotak ATM within office premises

Kotak ATM installation within office premises for all VISA cards. Employees can use any VISA debit card any time
at our ATM without having to leave the office premises.

ATM installation in cafeteria area Cabin ATM in office lobby

Please note: ATM Machine setup within office premises based on feasibility check. Terms & conditions apply.
Salary2Wealth Engagement Platform
Under the Salary2Wealth platform, we offer various engagement programs

• Fun@ Work • Health@ Work

• Knowledge Series Workshops • SIP’s & Rupee Cost Averaging

• Women Specific Programs • Cash, Equity, Debt, Forex, Derivatives &

Commodity market
• Car Lease Program
• Portfolio allocation across Asset classes
• Jeene Ki Azaadi Program (Insurance)
• Investment options for a salaried employee
• Finmall @ Corporate premises
• Parichay @ Corporate Premises – Service
• Jeene Ki Azaadi – Get yourself & your liabilities Initiative
covered at the convenience of the workplace
• Taxation & tax saving tools
• Understanding “Salary” – HRA computation, PF
Calculations etc. • CIBIL – Credit rating

• Power of compounding & investing early • Planning for the unpaid holiday – retirement!
Salary2Wealth – Employee Engagement
 Disclaimer

The aforesaid is for information purposes only and should not be construed to be investment advice under SEBI (Investment Advisory) Regulations.
In the preparation of the material contained in this document, Kotak Mahindra Bank has used information that is publicly available, including information developed in-house. Some of the
material used in the document may have been obtained from members/persons other than the Kotak Mahindra Bank and/or its affiliates and which may have been made available to Kotak
Mahindra Bank and/or its affiliates. Information gathered & material used in this document is believed to be from reliable sources. Kotak Mahindra Bank however does not warrant the
accuracy, reasonableness and/or completeness of any information. For data reference to any third party in this material no such party will assume any liability for the same. Kotak
Mahindra Bank and/or any affiliate of Kotak Mahindra Bank does not in any way through this material solicit any offer for purchase, sale or any financial transaction/commodities/products
of any financial instrument dealt in this material. All recipients of this material should before dealing and or transacting in any of the products referred to in this material make their own
investigation, seek appropriate professional advice
We have included statements/opinions/recommendations in this document which contain words or phrases such as "will", "expect" "should" and similar expressions or variations of such
expressions, that are "forward looking statements". Actual results may differ materially from those suggested by the forward looking statements due to risks or uncertainties associated with
our expectations with respect to, but not limited to, exposure to market risks, general economic and political conditions in India and other countries globally, which have an impact on our
services and / or investments, the monetary and interest policies of India, inflation, deflation, unanticipated turbulence in interest rates, foreign exchange rates, equity prices or other rates
or prices, the performance of the financial markets in India and globally, changes in domestic and foreign laws, regulations and taxes and changes in competition in the industry. By their
nature, certain market risk disclosures are only estimates and could be materially different from what actually occurs in the future. As a result, actual future gains or losses could materially
differ from those that have been estimated
Kotak Mahindra Bank (including its affiliates) and any of its officers directors, personnel and employees, shall not liable for any loss, damage of any nature, including but not limited to
direct, indirect, punitive, special, exemplary, consequential, as also any loss of profit in any way arising from the use of this material in any manner. The recipient alone shall be fully
responsible/ are liable for any decision taken on the basis of this material. The investments discussed in this material may not be suitable for all investors. Any person subscribing to or
investing in any product/financial instruments should do so on the basis of and after verifying the terms attached to such product/financial instrument. Financial products and instruments
are subject to market risks and yields may fluctuate depending on various factors affecting capital/debt markets. Please note that past performance of the financial products and
instruments does not necessarily indicate the future prospects and performance thereof. Such past performance may or may not be sustained in future. Kotak Mahindra Bank (including its
affiliates) or its officers, directors, personnel and employees, including persons involved in the preparation or issuance of this material may; (a) from time to time, have long or short
positions in, and buy or sell the securities mentioned herein or (b) be engaged in any other transaction involving such securities and earn brokerage or other compensation in the financial
instruments/products/commodities discussed herein or act as advisor or lender / borrower in respect of such securities/financial instruments/products/commodities or have other potential
conflict of interest with respect to any recommendation and related information and opinions. The said persons may have acted upon and/or in a manner contradictory with the information
contained here. No part of this material may be duplicated in whole or in part in any form and or redistributed without the prior written consent of Kotak Mahindra Bank. This material is
strictly confidential to the recipient and should not be reproduced or disseminated to anyone else
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. . Investment in MF is subject to Market Risk. Read Offer Document carefully before
investing. Past Performance is not the indication of the future performance. Kotak Bank earns distribution fees on the mutual funds recommended. Bank may refer / distribute products of
its subsidiary / associate companies.
All loans, over-drafts and credit card are subject to complete documentation and at sole discretion of bank and subject to approvals . Bank may engage the services of marketing agents
for the purpose of securing loan assets. The aforementioned benefits will be available till such time there are salary credits in the primary account. In case of no salary credits, the charges
will be applicable as per the General Schedule of Fees and Charges, you may refer to GSFC on www.kotak.com. Car Loans and Car Lease are offered by Kotak Mahindra Prime limited, a
Kotak Group Company and are subject to sole discretion of Kotak Mahindra Prime and subject to complete documentation. This is available at select locations and on select vehicles. Max
tenure of the loan is 60 months. - Online trading account is provided by Kotak Securities, a Kotak Group Company. The offering and rates of products are liable to get revised from time to
time and is guided by the regulatory guidelines and bank policy. The charges and fees will be updated under GSFC for various products on www.kotak.com. Proposal Validity: March 31st