INTRODUCTION:-

“Think Investment Think Kotak”

Banks like Kotak Mahindra, standard chartered, ICICI, HDFC, and
Citi bank now bring your Bank Account and Debit card to your
fingertips. With Mobile commerce, you can perform a wide
range of query-based transactions from your Mobile Phone,
without even making a call.

Kotak Mahindra is one of India's leading financial institutions,

offering complete financial solutions 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 financial needs of individuals and corporate.

The group has a net worth of over Rs.1, 800 crore and employs
over 4,400 employees in its various businesses. With a presence
in 82cities in India and offices in New York, London, Dubai and
Mauritius, it services a customer base of over 5, 00,000.

Kotak Mahindra has international partnerships with Goldman

Sachs(one of the world's largest investment banks and
brokerage firms)and Old Mutual (a large insurance, banking and
asset management conglomerate).
The Kotak Mahindra Group was born in 1985 as Kotak Capital
Management Finance Limited. This company was promoted by
Uday Kotak, Sidney A. Pinto and Kotak & Company. Industrialists
Harish Mahindra and Anand Mahindra took a stake in 1986, and
that's when the company changed its name to Kotak Mahindra
Finance Limited. Since then it's been a steady and confident
journey to growth and success.

o 1986 :Kotak Mahindra Finance Limited starts the

activity of Bill Discounting
o 1987: Kotak Mahindra Finance Limited enters the
Lease andHire Purchase market
o 1990: The Auto Finance division is started

o 1991: The Investment Banking Division is started.

Takes over FICOM, one of India’s largest financial
retail marketing networks
o 1992: Enters the Funds Syndication sector

o 1995: Brokerage and Distribution businesses

incorporated into a separate company - Kotak
Securities. Investment Banking division incorporated
into a separate company – Kotak Mahindra Capital
Company
 o 1996: The Auto Finance Business is hived off into a
separate company - Kotak Mahindra Primus Limited.
Kotak Mahindra takes a significant stake in Ford Credit
Kotak Mahindra Limited, for financing Ford vehicles.
The launch of Matrix Information Services Limited
marks the Group’s entry into information distribution.
o 1998: Enters the mutual fund market with the launch
of Kotak Mahindra Asset Management Company.
o 2000: Kotak Mahindra ties up with Old Mutual plc. for
the Life Insurance business. Kotak Securities launches
kotakstreet.com - its on-line broking site. Formal
commencement of private equity activity through
setting up of Kotak Mahindra Venture Capital Fund.
o 2003: Kotak Mahindra Finance Ltd. Converts to bank

EVOLUTION OF ORGANAISATION:-
 COMPANY’S PROFILE
Established in 1984, The Kotak Mahindra Group has long been
one of India’s most reputed financial organizations. In Feb 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).This approval creates banking history since
Kotak Mahindra Finance Ltd is the first company in India to
convert to a bank. The license authorizing the bank to carry on
banking business has been obtained from the RBI in tune with
Section 22 of the Banking Regulation Act 1949.

KMBL was promoted by Mr. Uday.S.Kotak, Kotak and Company

Ltd and Mr. Sidney &A.A.Pinto under the name of Kotak Capital
Management Finance Ltd on 21st Nov 1985 and obtained a
Certificate of Commencement of Business on 11thFeb 1986.

The bank customers have access to entire VISA network of

4500ATM’S in India and 800000ATM’S worldwide accepted in
more than56000 establishments across India and 10 million
worldwide. The customer also has access to over 800 ATM’s
with sharing arrangements with UTI BANK, of these 125 are in
the NCR.

Key group companies and their businesses:-

Kotak Mahindra Bank :-
The Kotak Mahindra Group's
flagship company, Kotak Mahindra Finance Ltd which was
established in 1985, was converted into abank- Kotak Mahindra
Bank Ltd in March 2003 becoming the first Indian company to
convert into a Bank. Its banking operations offer a central
platform for customer relationships across the group's various
businesses. The bank has presence in Commercial Vehicles,
Retail Finance, Corporate Banking, Treasury and Housing
Finance.
Kotak Mahindra Capital Company :-

Kotak Mahindra Capital Company Limited (KMCC) is India's

premier Investment Bank. KMCC's core business areas include
Equity Issuances, Mergers & Acquisitions, Structured Finance
and Advisory Services.
Kotak Securities :-
Kotak
Securities Ltd. is one of India's largest brokerage and securities
distribution houses. Over the years, Kotak Securities has been
one of the leading investment broking houses catering to the
needs of both institutional and non-institutional investor
categories with presence all over the country through
franchisees and coordinators. Kotak Securities Ltd. offers online
and offline services based on well-researched expertise and
financial products to non-institutional investors.
 Kotak
Mahindra Prime:-
Kotak Mahindra Prime Limited (KMP) (formerly known as Kotak
Mahindra Primus Limited) has been formed with the objective
of financing the retail and wholesale trade of passenger and
multi utility vehicles in India. KMP offers customers retail
finance for both new as well as used cars and wholesale finance
to dealers in the automobile trade. KMP continues to be among
the leading car finance companies in India.

Kotak Mahindra
Asset Management Company:- Kotak Mahindra Asset
Management Company Kotak Mahindra Asset Management
Company (KMAMC), a subsidiary of Kotak Mahindra Bank, is the
asset manager for Kotak Mahindra Mutual Fund (KMMF).KMMF
manages funds in excess of Rs 20,800 crore and offers schemes
catering to investors with varying risk-return profiles. It was the
first fund house in the country to launch a dedicated gilt
scheme investing only in government securities.

Kotak Mahindra Old Mutual Life

Insurance Limited:- kotak Mahindra Old Mutual Life Insurance
Limited is a joint venture between Kotak Mahindra Bank Ltd.
and Old Mutual plc. Kotak Life Insurance helps customers to
take important financial decisions ate very stage in life by
offering them a wide range of innovative life insurance
products, to make them financially independent

BOARD OF DIRECTORS

 Mr. K.M.Gherda – Executive Chairman

 Mr. Uday Kotak –Executive Vice Chairman and Managing
Director
 Mr. Anand Mahindra –Co Promoter of Kotak Mahindra
Bank and Vice Chairman and Managing Director of
Mahindra and Mahindra
 Mr. Cyril Shroff –Co Promoter

 Mr. Pradeep N Kotak –Agri Division of Kotak and Company

Limited
 Dr. Shanker Acharya
 Mr. Shivaji Dam –Managing Director Kotak Mahindra Old
Mutual Life Insurance Limited
 Mr. C.Jayaram –Executive Director

 Mr. Dipak Gupta –Executive Director

Literature study:-
Product Detail
Kotak Mahindra Bank is one of the prominent subsidiaries of
Kotak Mahindra group. The activities of the company being
parallel to its objective are very wide and cover all the
components of a Bank. The Basic area of Operations is the
Banking business, other products are meant for the regular
revenue generation. Being a Banking house, the company is in
regular touch with Banking Accounts, Investment Services,
Convenience Banking and Other Services.

They offer complete solutions that address all your financia

lrequirements, whether you're an individual or a firm. From
everyday banking to long term investments — their offering
covers it all. This wide range of products is delivered to you with
a genuine understanding of your specific need and warm,
personalised service.

Kotak Mahindra Bank, it's not about selling you many

different products — it's about working out a holistic, pragmatic
solution that addresses your financial needs. Through their
varied products, they commit themselves to becoming “banker”
to the customer rather than being “asset financier” to our
customers.
Banking Accounts
There are three types of banking account:

 Savings Account

 Current Account
 Term Deposit

SAVINGS ACCOUNT:-

“Choose from our range of Savings Accounts”

KOTAK MAHINDRA has got a variety of options of savings
accounts to choose from for its customers according to their
convenience and requirements .These savings accounts offer
attractive returns along with personalized banking services at
three convenient average quarterly balances(AQB)levels of Rs.
10000 (KOTAK EDGESAVINGS ACCOUNT),Rs. 20000 (KOTAK PRO
SAVINGSACCOUNT) and at Rs75000(KOTAK ACE SAVINGS
ACCOUNT).The average quarterly balance levels as well the
corresponding services and benefits try to ensure the various
customer needs and requirements
Thus the three account opening options in savings account are
as mentioned above:
  EDGE SAVINGS ACCOUNT:
Kotak Mahindra Bank´s Edge Savings Account is a complete
financial package customized to suit individual banking needs.
Its constant endeavour is to enable regular financial
transactions through online platform so that most of payments
can be made directly through your account or card.
Features & Benefits :-

Wide ATM access through the Kotak Mahindra Bank Debit

Card:-
One can walk into any KOTAK or HDFC Bank ATMs to withdraw
cash or enquire balance at no extra charge!
Multiple Access Channels Access:-
An account through phone, mobile phone or internet to get
information about account balance or track transactions. One
can even transfer funds through Phone Banking or Net Banking.
Financial payments facilitated through the savings account:-
Use the free Payment Gateway to make online payments for
utility bills, credit cards, online trading of shares or even online
shopping

Quick and easy funds transfer:-

 Quick funds transfer to a third party account with another Bank
is available across 15 locations through Net Banking. Also get a
multi-city cheque book so that money from account is received
by the beneficiary in the fastest possible time.
Free investment account:-
One can open an investment account, and use the Net Banking
facility to purchase/redeem mutual funds online while directly
debiting/ crediting your Bank Account. Besides this you get a
consolidated view of all your mutual fund investments across
schemes with updated returns status, latest NAV information
and research reports.
Attractive returns:-
Earn better returns in your savings account, with our 2-Way
Sweep facility that automatically sweeps out idle funds, above a
threshold, from your account into Term Deposits. These Term
Deposits sweepback into your account to meet fund
requirements when your withdrawals exceed the balance
available in your account, there by providing you maximum
liquidity

 ACE SAVINGS ACOUNT: Kotak Mahindra Bank's Ace Savings

Account has been designed as agateway to a world of
financial benefits and privileged banking transactions. The
 account carries benefits ranging from personal investment
advisory services to concierge services to free banking
transactions. One will find that this package of services and
privileges is unmatched by any other savings account in
the market.
Features & Benefits :-

Free access at all domestic and international VISA ATMs:

No longer have to worry about locating your Bank or Partner
Bank ATM - Use the first VISA ATM that you spot, for free cash
with drawal or balance enquiry transactions. So walk into any
VISA ATM in India or abroad to withdraw cash or for balance
enquiry.
Multiple access channels:
Access the account anytime through land line, mobile phone or
internet to get information on account balance or track
transactions. One can even transfer funds through Phone
Banking or Net Banking.
Financial payments facilitated through the savings account:
Use the free Kotak Payment Gateway to make online payments
for utility bills, credit cards, online trading of shares or even
online shopping. All this at the click of a mouse
Quick and easy funds transfer :
Transfer funds easily and with speed, to a beneficiary account
at another bank. One can avail of this facility by walking into
any of branches or by simple logging on to Net Banking. Also
get a free multi-city cheque book so that money from your
account is transferred to the beneficiary's account at any of
branch locations, in the fastest possible time.
Free banking transactions:
One can issue demand drafts or send cheques for collection at
all branches for no extra charge.
Attractive returns:
Earn better returns in your savings account, with our 2-Way
Sweep facility that automatically sweeps out idle funds, above a
threshold, from your account into Term Deposits. These Term
Deposits sweepback into account to meet fund requirements
when withdrawals exceed the balance available in the account,
thereby providing maximum liquidity.

CURRENT ACCOUNT:
Kotak Mahindra Bank offers unparalleled advantages with its
three Current Account offerings. Whether small/ mid size
business or an enterprise spread across multiple locations in the
country, would find a Current Account that's just designed for
you. These Current accounts offer attractive returns along with
personalized banking services at three convenient average
quarterly balances(AQB)levels of Rs. 25000 (KOTAK EDGE
SAVINGS ACCOUNT),Rs. 50000(KOTAK PRO SAVINGS ACCOUNT)
and at Rs250000(KOTAK ACESAVINGS ACCOUNT).The average
quarterly balance levels as well the corresponding services and
benefits try to ensure the various customer needs and
requirements. With features ranging from Free DDs, Free
Cheque Collection, Free At -Par Cheque facility to Free Trading
Account & free Demat Account, and more! Thus the three
account opening options in savings account are as mentioned
above:

 Edge Current Account:

In need of a well equipped bank account to keep pace in all the

business endeavors. They offer the Kotak Edge Current Account,
armed with Kotak 2-Way Sweep and the entire gamut of
Banking Privileges, providing that extra edge to get ahead. The
feature rich Kotak Edge Current Account is the ideal way to
make money work harder.

Features & Benefits:

Multi City Banking:

Current account/s with Kotak Mahindra Bank will be recognized

in every other branch. One can just walk into a Kotak Mahindra
Bank branch in any of our branches across country to satisfy all
the banking needs.

2 - Way Sweep* : Term Deposit linked Current Account

Kotak 2-Way Sweep ensures that money never stops working

for you. Daily balances, above a threshold level, in Current
Account are automatically swept out into Term Deposits (TD).
This 'swept out amount' is brought back into account to meet
fund requirements when withdrawals exceed the balance
available in the account (or when the account balance goes
below the specified threshold level.)With Kotak 2-Way Sweep
you enjoy the twin advantages of attractive returns & maximum
liquidity.

Free Demand Drafts and Pay Orders:

Enjoy the benefit of our free Demand Drafts, payable at Kotak

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

 PRO Current Account:- You need a well equipped bank

account to keep pace with you in the ever changing
business scenario. We offer you the Kotak Pro Current
Account, armed with Kotak 2-Way Sweep, as well as an
entire gamut of Banking Privileges and 'user-friendly'
Convenience Banking facilities. The feature rich Kotak Pro
Current Account is the ideal way to make your money work
harder .
Key Features:
• Dedicated Relationship Manager
• Free Demand Drafts & Pay Orders>
• Free At Home Services
• Better Forex rates and Efficient Trade Services

 ACE Current Account

In the need of a well equipped bank account to keep pace with
you in the ever changing business scenario. They offer you the
Kotak Ace Current Account, armed with Business benefits and
exclusive Ace Privileges and an entire gamut of banking
conveniences especially designed for you. The feature rich
Kotak Ace Account is the ideal way to make money work harder.

Term Deposits Key Features

• Ease and convenience of operation
• Liquidity through overdraft or sweep-in facility
• No penalty on pre-mature encashment
• Nomination facility available

Give your portfolio stability of returns and safety and liquidity.

Invest in Kotak Bank Term Deposit. It offer attractive returns on
term deposits and investing in them is really simple and
convenient.
Features & Benefits :

Ease and convenience of operation:

For the first time in India, New to Bank customer can also apply
online for term deposit. An existing customer, can place a term
deposit through Phone Banking or Net Banking. What's more,
one can even renew this deposit by placing an instruction over
phone. Needless to mention, he can do all this and more by
walking across into any of branches.
Liquidity through overdraft or sweep-in facility:
Deposit will be available to you should you need them in case of
an emergency. One can avail upto 85% overdraft against term
by paying2% above deposit rate. This facility is available for
deposits aboveRs.50,000 for a tenure of 181 days or more. One
can also choose to link term deposit to savings / current
account, whereby if need be, term deposit will automatically be
en cashed to meet withdrawal requirement.
No penalty on pre-mature encashment:
In case term deposit is pre-maturely encashed, one will earn
interest at the rate prevailing on the date of deposit for the
withdrawn amount.
Nomination facility available:
One can avail this facility for each & every account that open
with usi.e. nominate different persons for different term deposit
accounts can choose to change the nominee through a
declaration in the appropriate form to revise the nomination
during the term of the deposit

REASEARCH METHODOLOGY:

As the tithe of the project suggests the purpose to study the

access of prudential in area like Pitampura.

Research comprise defining and redefining problems,

formulating hypothesis or suggested solutions; collecting,
organizing and evaluating data; making deductions and
reaching conclusions; and at last carefully testing the
conclusions to determine whether they fit the formulating
Hypothesis.

In short, the search for Knowledge through Objective and

Systematic method of finding solutions to a problem is
Research.

SOURCES OF DATA

Data is collected from primary as well as secondary source. For

primary data customer were personally intervened and for
secondary data. Annual report, journals, internet and personal
interview.

METHODOLOGY:

The methodology adopted in conducting this survey was quite

simple. First there was collection of data from various sources
including personal interview. Then after scanning and properly
analysing and interpreting the information available on hand, a
final report was prepared.
1. PRIMARY DATA: Primary data was collected from the
sample by a self-administered questionnaire in presence of
the interviewer.
2. SECONDARY DATA: The chief sources of secondary data
were magazines, newspaper, journals etc.

RESEARCH DESIGN

Type of Research: -Descriptive research

Descriptive research is also called Statistical Research. The main
goal of this type of research is to describe the data and
characteristics about what is being studied. The idea behind this
type of research is to study frequencies, averages, and other
statistical calculations. Although this research is highly accurate,
it does not gather the causes behind a situation.

The regular interaction with the Customers and the Line

Managers revealed about the various strategies involved in
performing business activities and gathering data using various
techniques and software applications.

Descriptive research includes Surveys and fact-finding enquiries

of different kinds. The main characteristic of this method is that
there searcher has no control over the variables; he can only
report what has happened or what is happening.

DATA SOURCES:

There are two types of data:

PRIMARY DATA:
The data that is collected first hand by someone specifically for
the purpose of facilitating the study is known as primary data.
So in this research the data is collected from respondents
through questionnaire.

SECONDARY DATA:

For the company information I had used secondary data like

brochures, web site of the company etc. The Method used by
me is Survey Method as the research done is Descriptive
Research.

RESEARCH INSTRUMENTS: Selected instrument for

Data Collection for Survey is Questionnaire.

SAMPLE SIZE:

The survey is conducted among 155 respondents.

Simple statistical tools have been used in the present study to
analyze and interpret the data collected from the field. The
study has used percentile method and the data are presented in
the form of diagrams.

SCOPE OF THE STUDY

This study helps in finding out the satisfaction of most
important resource that is human resource in Kotak Mahindra
Bank.
⇒ This also helps in finding the effectness of human resource
policies in organization.
⇒ The study provides knowledge of various products&
investment services of Kotak Mahindra Bank
⇒ The study helps to learn of work culture of organization.
⇒ The study of also helps to learn what as the various
benefits available to the advisor in an organization.
⇒ The study also helps the company to be aware of
important that it’s has to make in its incentives plan.

PRODUCTS OFFERED BY KOTAK MAHINRA BANK

The following are the various products of Kotak Mahindra Bank:

 DEMAT & ON LINE TRADING ACCOUNT:-The 3-in-1 account

integrates your banking, broking and demat accounts. This
enables you to trade in shares without going through the
hassles of tracking settlement cycles, writing cheques and
 Transfer Instructions, chasing your broker for cheques or
Transfer Instructions etc.

 INITIAL PUBLIC OFFERS(IPO’S):- In the above products we

have discussed investment inequity through secondary
markets .another way of investing in equity markets is
through the primary market route .whenever a company
comes out with an initial public offering you may choose to
apply for the share. Based on number of valid application
received, the company would then allot the share to
applicants. The offline way of investing in an IPO is by
filling physical application forms, cheques. And submitting
the forms through your broker. With KOTAK
MAHINDRABANK all you have to do is filling number of
share on the site and submit.

 DERIVATIVES:-
Customers with different types of risk profile can use
derivatives.
• Hedging the cash market position – ideal for low risk profile.
• Taking advantage of arbitrage opportunity in equity and
derivatives markets –ideal for low risk profile.
• Taking a view on stock/index for as long as 3month period –
medium risk profile.
• Speculative trading-high risk profile.

KOTAK MAHINDRA BANK offers online investment in future and

option, with benefit of automated settlements and online risk
monitoring system
Mutual Funds :-
Key Features:
• Assitance at every step of the investment process
• An experienced research team to analyse and research the
Mutual Funds available in the market
• Portfolio assistance.

team analyses and researches the Mutual Funds available in the

market, helping you make more informed decisions. There
commendations take into account all relevant factors including
the investment philosophy of the Asset Management Company,
portfolio quality, risk-adjusted returns and market trends.

The Mutual funds on advisory list range form Debt to Equity

funds and are drawn from top performing schemes of
renowned Mutual Fund houses like Franklin Templeton, Kotak,
Reliance, Prudential ICICI etc .Relationship Manager will
recommend the funds that suit the investment objectives.

Instead of buying shares of different companies tracking the

price movement’s performance of the company, growth
prospects of the industries etc. and then taking your own
buy/sell decision, you may consider making investment in
equity/debt market through the mutual fund route. Mutual
fund is a SEBI registered entity that pools the money of many
individuals’ investors to purchase the stocks, bond or other
financial instruments.

professional Management and diversification are the two

primary benefits of mutual fund investing. For beginners, or for
customer who are unable to spend time on researching stocks
themselves, mutual fund is an ideal route for a investment in
equity. Investing in mutual funds offline involves, tracking down
the agents appointed by the mutual funds AMCs, filling lengthy
forms, writing cheque, rushing to the office of the agents before
the cut off timing to ensure that the desired NAV is allotted.
Today the technology driven banks are finding various means to
reduce costs and reach out to as many customers as possible
spread over a diverse area. This has led to using multiple
channels of delivery of their products.
  ATM (Automatic Teller Machine) :
An ATM is basically a machine that can deliver cash to the
customer son demand after authentication. However, nowadays
we have ATM s that are used to vend different FMCG products
also. An ATM does the basic function of a bank’s branch, i.e.,
delivering money on demand. Hence setting of newer branches
is not required thereby significantly lowering infrastructure
costs .

Cost reduction is however possible only when these machines

are used. In India, the average cash withdrawal per ATM per day
has fallen from 100 last years to 70 this year. Though the
number of ATMs has increased since last year, it is not in sync
with the number of cards issued. Also, there are many dormant
cardholders who do not use the ATMs and prefer the teller
counters. In spite of these odds, Indian banks are increasing the
number of ATMs at a feverish pace. These machines also hold
the keys to future operational efficiency Account holders of
Kotak Mahindra Bank Saving Account having Visa Electron Debit
Card can access other Banks ATM machines unlimited times per
month for free, after that the Account holder has to pay nothing
for the transaction.
  NET BANKING:-
Net banking means carrying out banking transactions via
the Internet. Thus the need for a branch is completely
eliminated by technology. Also this helps in serving the
customer better and tailoring products better suited for
the customer. A customer can view his account details,
transaction history, order drafts, electronically make
payments, transfer funds, check his account position and
electronically communicate with the bankt hrough the
Internet for which he may have wanted to visit the
bankbranch.Net banking helps a bank spread its reach to
the entire world at a fraction of the cost

 Phone Banking:
This means carrying out of banking transaction through the
telephone. A customer can call up the banks help line or phone
banking number to conduct transactions like transfer of funds,
making payments, checking of account balance, ordering
cheques, etc. This also eliminates the customer of the need to
visit the bank’s branch.

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

 SMS Banking :
Kotak Mahindra Bank's SMS Banking service enables you to
access your bank account, investment account and demat
account on your Mobile Phone. Now get latest update on
your account balance, salary credits, large debits, large
credits, holding value and much more, on your mobile
anytime.

FINDINGS:-
1.ATM Facility is more widely used by customers belonging to
Private/Foreign Banks as compared to Government Banks.

2.Customers value Efficient Service over every other aspect, this

is far more important than the number of ATM machines, Staff,
Décor of Bank.

3.Reputation of Bank is most important when it comes to

choosing especially a Private Bank.

4.The general perception is that Private Banks provides

better services as compared to a Government Bank.

5.People realize that Private Banks are as safe as compared to

Government Banks.

6.Advertisements and Freebies can be used to attract more

customers.

CONCLUSION :-

1.Kotak Mahindra Bank is Leading Bank in the country, it

provides a variety of products and services to different
segments of customers.
2.The Bank aims to serve customers from teenagers to senior
citizens, hence different products designed to suit specific
requirements of the above.

3.Aims to serve all classes of the society from the salaried

middleclass to the high income business class. Customers are
categorized and segmented according to their requirements
and needs .For Example, the EDGE Saving Account aims to serve
middleclass customers so minimum balance required to be
maintained is Rs. 10000. While the PRO and ACE Saving
Accounts are targeted at high income customers, the minimum
balance requirement is Rs. 20000 and Rs. 75000.

4.Customers who are more profitable to the Bank (High Value

Customers) are provided special facilities. Priority Banking is
meant to serve these high value customers.

5.The Bank prides itself with the ability to provide differentiate

products in the crowed market of saving accounts. Bank offers
the free home baking, special co-branded debit cards (Smart fill
Debit Card) which makes its product unique.

6.The Bank is also involved in marketing activities which serves

as a medium of advertisement for the Bank. These are as
follows:
• Extended happy hours at certain pubs in Delhi for the Bank’s
account holders.
• Gift Vouchers on making utility payments, such as cell
phones, electricity and MTNL bills.
• Free Gifts like caps, pens/ wollets to its customers.
• Free add-on cards for relatives.7.The Bank wants it’s
customers to transact more through Internet Banking and ATM,
Rather than the customers using the branch.

A PROJECT REPORT
on
MAKETING STRATEGIES OF KOTAK MAHINDRA BANK
Submitted for partial fulfillment of the

Requirements for the Award of the Degree of

Bachelor of Commerce
 By

Smit Kansagra

Examination roll no: UBC -15 – COM-391

Registration No:01168/15

UNDER THE SUPERVISION OF

MR. K.D. LENKA

Designation of Supervisior

U.G.DEPARTMENT OF COMMERCE

GANGADHAR MEHER UNIVERSITY

SAMBALPUR,ODISHA
(Term – 2015-18)

SUPERVISOR’S CERTIFICATE

This is to certify that the project report entitled “MARKETING STRATEGIES

OF KOTAK MAHINDRA BANK” has been prepared by SMIT KANSAGRA
under my guidance and supervision for partial fulfillment of the requirements for
the award of the degree of Bachelor of Commerce.

K.D.LENKA

LECTUTRE,G.M.U

CANDIDATE’S DECLARATION
I, Smit Kansagra, a student of B.COM (semester-VI) in
U.G. Department of Commerce , Gangadhar Meher
University, Sambalpur ,Odisha , during the session
2017-18 ,hereby declare that the project report
entitled “Marketing Strategies of Kotak Mahindra
Bank” is submitted for partial fulfillment of the
requirements for the award of the degree of Bachelor
 of Commerce , is my original work and other’ ideas
,contents and materials used in the study have been
duly cited and acknowledged . This project report has
not been published or submitted to any other
university/ institution for award of any other degree.

Date : Smit Kansagra

Place : SAMBALPUR Examination roll no: UBC-15 –COM-391

Registration no: 01168/15
DATA ANALYSIS AND INTERPRETATION:-
CONTENT
SL NO. CHAPTERS PAGE
NO.
1 Introduction 1-3
 2 Evolution of Organaisation 4-7

Company Profile

Key Group Companies

Board of Directors
3 Literature study 8 -30

Product Detail

Types of Bank Account

Sources of Data

Data Sources
Scope of Study

Derivatives
4 Data Analysis And Interpretation 31-37

5 Finding And Conclusion 38-40