A report on

SUBMITTED BY :TH SURAJ CHANDRA SINGH SS-11-13(SB2) D1113SSIIPMPGPD10093(KOL-6-KD-1136) Internship period-12-mar-12 to 12-may-12

 DECLARATION
I hereby declare that this project entitled Understanding Banking Requirements of Corporates is my work carried out under the guidance of Mr.Udit Sharma Relationship manager. This report has never been submitted for any award or degree neither to this management institute or any other institute.

Th Suraj Chandra Singh

 COMPLETION CERTIFICATE

TABLE OF CONTENTS

ACKNOWLEDGEMENT
The report Understanding Banking Requirements of Corporates has been a very special project brought to fruition through the effort of some very special people. I am very grateful to all those enthusiasm and energy transformed my vision of this report into the reality. I am highly obliged to Mr. Vineeth Kumar, AVP who provide me with the necessary resources and atmosphere conductive for healthy learning and training. Words are inadequate in expressing my profound sense of thankfulness to Mr. Udit Sharma, Relationship manager, for his excellent guidance and support throughout the training. I am also very thankful to Relationship Manager Team who provide me with necessary resources and atmosphere conductive for healthy learning and training. This project would not have been completed without the direct and indirect help and guidelines of such luminaries.

TABLE OF CONTENTS
TOPIC DECLARATION COMPLETION CERTIFICATE ACKNOWLEDGEMENT EXECUTIVE SUMMARY INTRODUCTION RESEARCH OBJECTIVE & METHODOLOGY (i) Objectives Of Study (ii) Research Methodology (iii) Limitations Of The Study INTRODUCTION TO KOTAK MAHINDRA BANK (i) History (ii) Senior Management (iii) Corporate identity (iv) Business Milestone table Awards Business segment table CORPORATE OR WHOLESALE BANKING PRODUCTS: a) Trade Finance & Services. b) Cash Management Services. A. Kotak credIT B. C. . Kotak remIT Kotak netIT Electornic Clearing Services Debit Cleraing (Ecs - Debit) Cash Collections d) Payment 1. 2. 3. 4. 5. Cheque Writing Bulk Demand Drafts /Pay Order Electornic Clearing Services Credit Cleraing (Ecs Credit) 23 Electronic Payment Internal Fund Transfer 25 27 27 1 2 3 3 3 5 6 6 6 7 8 9 to 10 11 11 13 13 14 14 16 19 19 19 20 20 20 22 PAGE NO.

c) Collection

e) Salary2Wealth

TOPIC (i) Kotak Edge Account Features. (ii) Kotak Ace Account Features. PRIMARY FINDINGS Process of opening an account (i) (ii) General Schedule of Features and Charges for Current Accounts General Schedule of Features and Charges for Corporate Salary Account

PAGE NO. 29 31 32 33 34 to 38 49 to 40 41 41 42 43 43 44 45 46 47 48 49 Page No. 8 9 to 1O 34 to 38 39 to 40 41 42 43 44 45 Page no. 41 42 43 44 45

ANALYSIS & INTERPRETATION 1) Turn over & Services used by the corporates. 2) 3) Rating the employees on the basis of the different skills. Rating of banks in different sez a) Netaji Subhash Place. b) Jasola. 4) Over all in Delhi and Gurgaon. RECOMMENDATION CONCLUSION BIBLIOGRAPHY ANNEXTURE Table TABLE 1 TABLE 2 TABLE 3.1 TABLE 3.2 TABLE 4.1 TABLE 4.2 TABLE 4.3 TABLE 4.4 TABLE 4.5 Diagrams DIAGRAM 4.1 DIAGRAM 4.2 DIAGRAM 4.3 DIAGRAM 4.4 DIAGRAM 4.5