INTRODUCTION

Kotak Mahindra Bank (BSE: 500247, NSE: KOTAKBANK) is an Indian financial service firm established in 1985. It was previously known as Kotak Mahindra Finance Limited, a non-banking financial company. In February 2003, Kotak Mahindra Finance Ltd, the group's flagship company was given the license to carry on banking business by the Reserve Bank of India (RBI). Kotak Mahindra Finance Ltd. is the first company in the Indian banking history to convert to a bank. Today it has more than 20,000 employees and Rs. 10,000 crore in revenue.[2]

Mr. Uday Kotak is Executive Vice Chairman & Managing Director of Kotak Mahindra Bank Ltd. In July 2011 Mr. C. Jayaram and Mr. Dipak Gupta, whole time directors of the Bank, were appointed the Joint Managing Directors of Kotak Mahindra Bank. Dr. Shankar Acharya is the chairman of board of Directors in the company.

The Bank has its registered office at Nariman Bhavan, Nariman Point, Mumbai

Established in 1985, the Kotak Mahindra group has been one of India's most reputed financial conglomerates. 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). This approval created banking history since Kotak Mahindra Finance Ltd. is the first non-banking finance company in India to convert itself in to a bank as Kotak Mahindra Bank Ltd. Today, we are one of the fastest growing bank and among the most admired financial institutions in India.

COMPANY PROFILE

Kotak Mahindra Bank works with a vision to provide customer a helpful hand, in particular with Kotak Mahindra Bank Ltd is one of the fastest growing bank and among the most admired financial institutions in India. The Bank offers transaction banking, operates lending verticals, manages IPOs and provides working capital loans. They have 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. The Bank has over 245 branches, a customer base of over 8 lakh and has spread all over India. The Bank offers complete financial solutions for infinite needs of all individual & non-individual customers depending on the customer's need - delivered through a state of the art technology platform. They also offer investment products like Mutual Funds, Life Insurance, retailing of gold coins and bars etc. Apart from Phone banking and Internet banking, they offer convenient banking facility through Mobile banking, SMS services, Netc@rd, Home banking and BillPay facility among others. The Depository services offered by the Bank allows the customers to hold equity shares, government securities, bonds and other securities in electronic or Demat forms. Their Salary 2 Wealth offering provides comprehensive administrative solutions for Corporates with features such as easy and automated web based salary upload process thereby eliminating the paper work involved in the process, a dedicated relationship manager to service the corporate account, customized promotions and tie - ups and many such unique features. The Bank offers comprehensive business solutions for the business community that includes the Current Account, Trade Services, Cash Management

Service and Credit Facilities. Their Wholesale banking products offer business banking solutions for long-term investments and working capital needs, advice on mergers and acquisitions and equipment financing. The Bank addresses the entire spectrum of financial needs of Non-Resident Indians. Their tie-up with the Overseas Indian Facilitation Centre (OIFC) as a strategic partner gives them a platform to share their comprehensive range of banking & investment products and services for Non Resident Indians (NRIs) and Persons of Indian Origin (PIOs). The bank has overseas subsidiaries with offices in Mauritius, London, Dubai, Singapore, New York & San Francisco. The overseas subsidiaries are mainly engaged in investment advisory and investment management of funds, Equity & Debt Trading, management of GDR/ FCCB issuances, broker & broker dealer activities and investments. Kotak Mahindra Bank Ltd was incorporated in the year 1985 with the name Kotak Capital Management Finance Ltd. In April 8, 1986, the company's name was changed Kotak Mahindra Finance Ltd. They started bill discounting activity. In the year 1987, they entered into lease and hire purchase market. In the year 1990, they started car finance division and during next year, they started investment banking division. Alsom they took over FICOM, one of India's largest financial retail marketing networks. In the year 1994, the company formed Kotak Mahindra International in Mauritius and opened an office in Dubai. They formed Kotak Mahindra (UK) formed with office in London. In the year 1996, the car finance business was hived off into a separate company, namely Kotak Mahindra Primus Ltd and Ford Credit took a 40% stake in Kotak Mahindra Primus. In the year1998, they formed Kotak Mahindra Inc with office in New York. In the year 2001, Kotak Securities Ltd became a subsidiary company. In February 2003, the company was given the license to carry on banking business by the Reserve Bank of India (RBI). This approval created banking history since Kotak Mahindra Finance Ltd is the first non-banking finance company in India to convert themselves into a bank as Kotak Mahindra Bank Ltd. In March 2003, they commenced banking operations. The Bank started their operations in New Delhi by inaugurating a branch. They entered into ATM sharing agreement with UTI Bank (now known as Axis Bank), in which the Bank customer's were free to access around 800 ATM's. They unveiled several home finance products

options that include Home Loan, Home Equity Loan, Home Loan Transfer and Home Improvement Loans. Also, they launched online remittance services called FUNDS to HOME for Non-resident Indians. In January 2005, the Bank opened 29th retail-banking branch at Mehsana in Gujarat. In February 2005, they launched Rajajinagar extension counter in Bangalore and launched free Mobile Banking facility. Also, they launched their branch at Chennai, Tamilnadu. In February 23, 2005, they opened their retail-banking branch in the business capital of Madhya Pradesh. In March 2005, they opened their eighth retail-banking branch at Napean Sea Road in Mumbai. In May 2005, the Bank opened new retail-banking branch at Parry's Corner in Chennai. In June 2005, they opened two retail-banking branches in Delhi at Safdarjung Enclave and Punjabi Bagh. In October 4, 2005, the Bank acquired 40% stake in Kotak Mahindra Primus Ltd (KMP) held by Ford Credit International (FCI) thereby giving the Bank and their subsidiary, complete ownership of KMP. Simultaneously, they also sold their stake in Ford Credit Kotak Mahindra Ltd (FCKM) to FCI. In September 2006, the Bank acquired 51% of the paid up Share capital of Kotak Mahindra Securities Ltd (KMSL) by way of preferential allotment of shares by KMSL to the Bank. In March 2007, the Bank entered into a subscription agreement with International Finance Corporation, whereby the Bank will issue Upper Tier II Subordinated Bonds by way of Debentures of the value of USD 45 million with the final maturity of over 15 years. During the year 2007-08, the Bank increased 73 new full fledged branches & 179 new ATMs, taking the network size to 178 branches and 314 ATMs. They added n new products & services like Gold debit card, smart fee (a fee solution for Educational Institutions), a GPRS based mobile banking, Bill presentment and payment facility, online term deposits etc to meet the needs of the customers. In September 2007, Kotak Mahindra Icn set up a branch in San Francisco. During the year 2008-09, the Bank added 39 branches and 74 ATMs taking the total network size to 217 branches and 387 ATMs (including 175 off site ATMs). They introduced several new features like, Online password, two factor authentication, improved features for security of fund transfers, e-tax payment facility, auto payment of bills, PIN based IVR. During the year 2009-10, the Bank 32 branches, 77 off site and 28 onsite ATMS taking the total number of branches to 249 Nos, 252 Nos off-

site ATMs and 240 Nos on-site ATMs. They had a debit card base of 829,876. They opened a representative office in Dubai. Also, they entered Ahmedabad Commodity Exchange as anchor investor. In June 2010, the Bank entered into an agreement with Sumitomo Mitsui Banking Corporation, Japan for a preferential issue of 1.64 crore shares at Rs 833 per share which amounts to approximately 4.5% stake on a post-issue basis for Rs 1,366 crore. During the year 2010-11, the Bank added 72 branches and 246 ATMs and ended the year with 321 Branches and 710 ATMs, and thereby increasing their presence to 183 locations. They also added over half a million new customers this year across core banking products of savings and checking account, term deposits, overdrafts and non resident accounts. During the year, the Bank's Treasury started Correspondent Banking Division to build and leverage on relationships with offshore banks for improving quality and international reach for their customers. Also, the Bank entered into a strategic arrangement with PVR Cinemas, one of the elite name in entertainment industry, to distribute credit card products aimed at upmarket customers. In August 2011, the Bank entered into business cooperation arrangement with CIMB Group Sdn Bhd, Malaysia (CIMB). In October 2011, Kotak Mahindra Capital Company Ltd, a subsidiary of the Bank and Evercore Partners, global investment banking advisory firm headquartered in New York, USA, entered into an exclusive strategic partnership for cross-border M&A advisory services between India and. the United States, the United Kingdom and Mexico. The Bank is looking for possible acquisition targets in the banking, brokerage or asset management space to expand their presence in India. The lender is also looking to expand their presence by increasing their branch network to 500 by 2012 from the current 300. Aslo, the Bank plans to open their maiden overseas branch in Singapore and has applied for a licence to the Indian central bank.

FEATURE AND BENEFITS

Investing your money in a Term Deposit at Kotak Mahindra is a safe, stress-free way to make it grow. A host of features make Kotak Mahindra Term Deposits an excellent investment opportunity.

Key Features

Safe and stress-free way to make your money grow Loan facility to the extent of 85% of principal on a deposit term Attractive interest rates

Features & Benefits

Automatic rollover

You can choose to roll over only the principal amount that you deposit or principal plus interest earned (i.e. re-invest the interest). Automatic rollover will be for the same period, at an interest rate applicable on the maturity date

When you reinvest the interest, you get compound interest on the total amount, i.e. rollover of principal plus interest, at the end of the period (quarter or half-yearly)

You can specify, on or before the maturity date, changes in deposit tenure, maturity instructions, payment instructions, principal amount and rollover mode (from principal to principal plus interest or vice versa)

Loan facility is available to the extent of 85% of principal on a deposit term, with a period of minimum of 1 year (as per Kotak Mahindra Bank's conditions)

MONETARY SECTORThis bank has introduced many offers, scheme and product which are really helpful in customer’s day to day affairs, same time the customers are satisfied by handling there complaints on urgent basis besides maintaining a trustworthy relationship with the customers.

They have a 24-hour Customer Contact Center to offer you personalized service round the clock. Just pick up the phone and please call there 24-hour Customer Care No. Whether it is something as urgent as a stop payment or you simply want to know your balance just give a call. Our toll free number gives you access to your account, from anywhere… anytime. And what’s more, this facility comes to you absolutely free of cost!

Key Features of Kotak Mahindra Customer Care

Enquire on the latest interest and exchange rates. Request for fund transfer* between your accounts at Kotak

Mahindra Bank. Open a term deposit or get details of all your term deposits Initiate standing instructions or place stop cheque payment

instructions. Quick and easy access from anywhere PIN based security Customer Care Officers available 24 x 7* Free Service Various Account related services, etc Request a cheque book and account statements.

Kotak Mahindra bank Customer Care for redressal of complaint

Contact Centre: You may call there 24-hour Customer Contact Centre on  toll free number  and register your complaint.

Email: You may email at service.bank@kotak.com and register your complaint

Letter: You may write a letter at Kotak Mahindra Bank Ltd. P.O. Box: 16344, Mumbai – 400013

Branch: You may meet the Branch / Service Manager of any branch and register your complaint.

In case you do not receive a response from any of the channels mentioned above that you have raised the issue to within 7 working days or if the response received from them is not satisfactory, you may escalate your grievance to the Service Assurance Centre at the Head Office of Kotak Mahindra Bank by filling the complaint form online.

To fill complaint form online click below:

http://www.kotak.com/bank/grievance/grievance_form.htm

Kotak Mahindra Bank Customer Care Number

For North India Customers Call 1800 116022 (Toll Free)

For Rest of India Customers Call 1800 226022 (Toll Free)

If Calling from Abroad call +91 22 6600 6022.

LOANS AND ADVANCES

Loans that help you fulfill all your financial needs

Kotak Mahindra Bank presents Personal Finance - the single expert source for all your financial needs. Unexpected expenses, education, wedding in the family, home improvement or that long awaited vacation.Learn more about Loans:

Home Loans Personal Loans Car Loans Loan against property Home Improvement Loans Home Loan Balance Transfer Kotak Stock Ace Gold Loan

PERSONAL LOANS

No matter what your financial needs are, our personal loans help you fulfill them

Our Personal Loans help to make a difference in your life. No matter what your financial needs are - unexpected expenses, school fees, wedding in the family, home improvement or that long awaited vacation. Whatever the occasion, our range of Personal Loans can help.The procedure is simple, documentation is minimal and approval is quick.Key Features

Avail loans from Rs.50,000-50 lakh* Quick Approval & hassle-free processing Minimal paperwork Flexible repayment options Repay with easy EMIs Convenience of service at your doorstep

Features & Benefits

Avail loans from Rs.50,000 - 50 lakh*: You can avail of a loan from Rs.50,000 - 50 lakh* for any purpose based on your income and repayment capacity and fulfill all your financial needs.

Quick approval: With a Kotak Mahindra Bank Personal Loan, you are not far away from making your dreams come true. In as less as 72 hours you can turn your dreams into reality.

Minimal paperwork & hassle free processing: Our minimal document requirements leave you tension and hassle free. Additionally, worries are kept at bay, as no security or collateral is required.

Flexible repayment options: Our flexible loan tenors range from 12 - 60 months for salaried customers and from 12- 36 months for businessmen / professionals, which don't overburden you with a worry to pay heavy EMIs.

Convenience of service at your doorstep: Our Loans are just a phone call away; you can fix an appointment with any of our representatives and they could assist you in all your loan formalities.

HOME LOANS

Designed to suit your requirements

At Kotak Mahindra Bank, we offer highly customized facilities of availing home loans. Importantly, we appoint a dedicated manager who takes customers through the entire process, starting with the filling in of the application forms and culminating in the loan disbursement process. This otherwise seemingly difficult process is made simpler and more convenient for the customer. Sometimes, customers are unable to spare that extra time from their hectic schedules, and the Bank Doorstep Service makes the home buying process seamless and pleasurable. A relationship that is happy from the start is extended through the attention the customer gets through his loan repayment tenure and beyond.

We believe that in order to succeed, we need to offer not only competitive products, but also the best possible service and value-added features and benefits. In a market where the basic product is largely similar, the differentiator is our ability to understand the customer's need completely and structure the value-adds appropriately. It is with this thought in mind that we innovate constantly, based on our interaction with the customer.

Home buying is an emotional decision and one must find the right partner to guide you through the course.

Key Features

High Eligibility for Businessmen

Doorstep Service Attractive Interest Rates Simplified Documentation Quicker Turnaround time

Features & Benefits

The key advantages of Kotak Mahindra Bank Home Loans are:

High Eligibility for Businessmen

Doorstep Service

Attractive Interest Rates

Simplified Documentation

Insurance Options to cover your home loans at attractive premium

Quicker Turnaround time

LOAN AGAINST PROPERTY

Unlock the potential in your property and - benefit with lower interest rates

Unlock the potential in your property by availing a Loan Against Property (LAP). A LAP is a loan given against the security of your existing property. The benefit is that interest rates on LAP are generally lower than rates on other consumer loansKey Features

High loan eligibility for businessmen Loans amounts ranging from Rs.10 lakh - Rs.3 crore! Loans against residential as well as commercial properties

Features & Benefits

Funds for all your needs

One can use this loan for a variety of purposes, like funding existing business, debt consolidation, emergencies, education etc.

High loan eligibility for businessmen

If you are a businessman, at Kotak we do not evaluate your loan eligibility on the basis of your financial statements alone. We put our trust in you and your entrepreneurial judgement, while understanding the nature of your business and related aspects. This overall understanding helps us work out a financial solution that will match your needs. And not just that, you can also avail of Kotak Commercial Property Loans that help your business grow- literally! Our loans help you get that opportunity to expand your business and develop it to its full potential.

Kotak Commercial Property loans

You can also avail of Kotak Commercial Property loans - that help your business grow- in the literal sense! Our loans help you get that Commercial space that with provide you the opportunity to expand your Business and develop it to its full potential.

Loans against residential as well as commercial properties

Loan against property facility is available against your residential as well as commercial properties, for loan amounts ranging from Rs.10 lakh to Rs.3 crores.

HOME IMPROVEMENT LOANS

Make your home a better place to reside in

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With Kotak Home Improvement Loans, you can make your home a better one to reside in.

Key Features

Improve your home Build up its equity Attractive interest rates

Features & Benefits

Improve your home

With Kotak Home Improvement Loans, you can now borrow against your existing home to decorate, paint, renovate, furnish, extend or simply change the way your home looks. You can avail these for repairs, painting, plumbing, tiling, flooring, fixing grills, etc.in your home.

Build up its equity

You can build up equity in your home by making improvements in the property. This makes the value of your home increase - not just cosmetically, but also monetarily.

Attractive interest rates

We offer Home Improvement Loans at very attractive interest rates. And what's more, there are no hidden charges to it.

Home Loan Balance Transfer

Transfer your home loan to us and benefit largely

हि�न्दी�

Kotak Home Loan Transfer offers you the same home on better terms to suit your needs.

Key Features

Transfer your loan to a lower interest rate Simple documentation and speedy processing

Features & Benefits

Home Loan Transfer

Home Loan Transfer is basically taking a home loan, to pay off existing home loan(s). Future payments are made to Kotak Mahindra Bank. Typically, the choice to transfer is made when interest rates are lower than the original loan. A Top-up over the existing loan can provide you ready cash for any of your needs.You should go for Kotak Home Loan Transfer if:

i. You are trying to reduce your interest rate and lower your payments.

ii. You are trying to reduce your home loan term to pay off your loan faster.

iii. You want to use the equity in your house to get money for any of your needs. You can take a top-up over the existing loan to get the much needed cash to fulfill your needs.

Kotak Home Loan Transfer is based on your convenience. The procedure of acquiring the loan is made easy, and the amount payable for your installments are designed to make you feel comfortable.Quick check

Even a 1.0% reduction in the interest rate can save you more than Rs.1.5 lakh on a loan of 10 lakh over a 20 yr period. The exact figure will depend on the rate on the existing loan, balance tenure etc

Call us now to know your savings under the Kotak Home Loan Transfer and find out how Kotak Home Finance can meet you needs.

GOLD LOAN

A simple, easy, reliable way to use your gold for a better tomorrow

Kotak Mahindra Bank now presents Kotak Gold Loan that offers quick and easy financing at very attractive interest rates. With this offering, Kotak

brings to you a product designed to make your future full of golden opportunities and growth.Key Features

Instant loan Utmost safety of your gold Minimal documentation Higher Loan to Value Easy repayment with multiple modes Overdraft facility Need not be an existing Kotak Bank customer

Features & Benefits

The gold ornaments /coins proposed to be pledged by the customer will be assessed & valued immediately in order to arrive at the loan amount eligibility. The customer can then avail a maximum of 90% Loan-To-Value of the total valuation as certified by the bank's assayer.

The customer at the time of availing the gold loan facility can decide on the facility available under the product, best suited to him as well as the type of the repayment amongst the following options:

i. Term Loan - Bullet (Monthly interest servicing & principal repayment at the end of the tenure)

ii. Term Loan - EMI ( Equated Monthly Installment)

iii. Overdraft Facility

Overdraft facility provides the flexibility to the customer to rotate his funds & thus utilize the credit limit as per his needs. It not only suits the working capital needs of small business enterprises but also acts as an additional source for their business growth.

Applicants who are not the existing customers of Kotak Mahindra Bank Ltd. can also avail this facility

ACCOUNTS AND DEPOSITS

Savings AccountsChoose the Account best suited to your needs

Our Savings Accounts are designed to ensure you receive the benefits of quick & convenient banking transactions along with options for your money to earn high returns. The savings account goes beyond the traditional role of savings, to provide you a range of services from funds transfer options to online payments of bills to attractive returns earned through a comprehensive suite of investment options.

Current AccountsAccounts deigned for small-mid size business or an enterprise

Kotak Mahindra Bank offers you unparalleled advantages with its three Current Account offerings. Whether you have a small/ mid size business or you are an enterprise spread across multiple locations in the country, you would find a Current Account that's just designed for you. With features ranging from Free DDs, Free Cheque Collection, Free At -Par Cheque facility to Free Trading Account & free Demat Account, and more!

Term DepositsTerm Deposit with highly attractive interest rates

Kotak Mahindra Bank brings you Term Deposit at highly attractive interest rates coupled with special facilities like Overdraft and Re-investment option.

Safe Deposit LockersBe at peace when your valuables are in our lockers

Kotak Mahindra Bank offers you Safe Deposit Locker facilities which can be utilized to safe keep your important documents, jewellery and other valuables.

AWARDS AND RECOGNISIONS

Our commitment to excellence whether it’s in banking or insurance or stock broking or fund management has earned us great recognition in India and internationally.

Recent awards:

Kotak Bond Regular received the Lipper Fund Award 2010 for ‘Best Fund over 10 years Bond Indian Rupee’

Best Investment Bank for 6 years in a row from 2006 to 2011, Finance Asia

Best Equity house in India – FinanceAsia Country Awards 2011

Best Domestic Equity House for 4 years in a row by Asiamoney in 2011

Best Private Banking Services Overall in India - Euromoney 2011

Best Range of Advisory Services Category - Euromoney 2010

Best Family Office Services Category - Euromoney 2010

Best Private Bank in India 2010 - Finance Asia Country Awards

Welcome to Kotak Mahindra Mutual Fund

We are sponsored by Kotak Mahindra Bank Limited, one of India's fastest growing banks, with a pedigree of over twenty years in the Indian Financial Markets. Kotak Mahindra Asset Management Co. Ltd., a wholly owned subsidiary of the bank, is our Investment Manager.

We made a humble beginning in the Mutual Fund space with the launch of our first scheme in December, 1998. Today we offer a complete bouquet of products and services suiting the diverse and varying needs and risk-return profiles of our investors.

We are committed to offering innovative investment solutions and world-class services and conveniences to facilitate wealth creation for our investors.

Kotak Mahindra Mutual Fund is sponsored by Kotak Mahindra Bank Limited, which is part of the Kotak Mahindra Group. Kotak Mahindra is one of India's leading financial institutions offering complete financial solutions ranging from commercial banking, to stock broking, to mutual funds, to life insurance, to investment banking. Kotak Mahindra Mutual Funds are managed by Kotak Mahindra Asset Management Co. Ltd., a wholly owned subsidiary of the bank

Our Businesses

Multiple businesses. One brand.

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 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. 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. For more information, please visit the Kotak Mahindra Bank website www.kotak.com/bank/personal-banking/

PARTNERS

Kotak Mahindra Bank: NRI Banking partners with NRI Matters to launch NRI Power Podium

Kotak Mahindra Bank: NRI Banking  partnered with NRI Matters to launch a campaign – NRI Power Podium to connect the Indian diaspora with their Country – where they got an opportunity to come to India & also participate in the  biggest NRI event – Pravasi Bharatiya Diwas to represent their concern & point of view. The first edition of NRI power Podium in early 2011 was very well received by Indian diaspora across 60 countries.

Now, NRI Matters is proud to present its second edition of NRI Power Podium, which begins from the 7th of December and ends on the 25th of December. Power Podium 2011 offers a golden opportunity to aspiring NRIs, to voice their issues on a worldwide platform and win an all-expenses paid trip to Jaipur, where they shall be a part of Pravasi Bharatiya Divas (PBD) 2012. This year, the participating global Indians will present their views on ‘Cohesive Growth benefiting NRIs and Indians’ – a theme that complements Pravasi Bharatiya Divas’, ‘Inclusive Growth’. 2 winners then get to fly to Jaipur and socialize with the likes of Prime Minister Dr. Manmohan Singh, President Shrimati Pratibhasinh Patil, Minister of Information & Broadcasting Shri Vayalar Ravi, Prime Minister of Trinidad & Tobago Mrs. Kamla Persad-Bissessar and other dignified personalities. The event

is partnered by MakeMyTrip (Travel partner), Hum Desi (Radio partner) and Click2remit (Remittance partner).

"Conversing one-on-one with Mr. Sam Pitroda helped me understand better the issues concerning information for global Indians."     -Karan Ratti, one of the 3 champions of Power Podium 2010 at PBD, New Delhi.

A follow up to Power Podium 2010, this year’s edition aims at bettering last year’s record-breaking effort. Power Podium 2010 was NRI Matters’ first campaign which received a total of 13,215+ signups and over 600 applications – all in a period of 1 month; this feat was archived in the Limca Book of Records. Last year’s jury, comprising of Mr. P.K. Aggarwal, CEO, TIE Global; Mr. KVS Manian, Group Head, Retail banking, Kotak Mahindra Bank had an arduous time going through all the applications and short-listing 25 final candidates. These 25 candidates were further evaluated and finally, 3 of them were chosen as winners who represented the Indian Diaspora at Pravasi Bharatiya Divas 2011, New Delhi. It was more than an exhilarating experience to share a few words with luminaries, such as Meera Nair, Shashi Tharoor, Sam Pitroda and others.

“Each citizen should feel that his or her voice is heard and have a sense of participation in national development. This is the only way we know to accommodate the enormous diversity of opinions and interests in our country."       -Dr. Manmohan Singh.

So this year, Power Podium awaits its 2 proud victors who shall represent the Indian Diaspora at Birla Auditorium, Jaipur from January 7th to 9th, 2012

BRANCHES

BANK NAMEBRANCH NAMECITYKotak Mahindra BankANDHERIANDHERIKotak Mahindra BankANDHERI- KURLA ROADMUMBAIKotak Mahindra BankCBD BELAPUR BRANCHBELAPURKotak Mahindra BankCHEMBURCHEMBURKotak Mahindra BankCHURCHGATE BRANCHCHURCHGATEKotak Mahindra BankCOLABA BRANCH

COLABAKotak Mahindra BankDadar East BranchMUMBAIKotak Mahindra BankGHATKOPARMUMBAIKotak Mahindra BankGOREGAON MUMBAIKotak Mahindra BankGOREGAON BRANCHDINDOSHIKotak Mahindra BankHUGHES ROADMUMBAIKotak Mahindra BankJODHPURJODHPURKotak Mahindra BankKALBADEVIKALBADEVIKotak Mahindra BankKhandad Branch RaigarhMANGAONKotak Mahindra BankKharghar BranchMUMBAIKotak Mahindra BankL J ROAD BRANCHMUMBAIKotak Mahindra BankLBS MARG MULUND BRANCHMUMBAIKotak Mahindra Bank

LBS ROAD BHANDUP BRANCHMUMBAIKotak Mahindra BankLOKHANDWALA-ANDHERIMUMBAIKotak Mahindra BankMATUNGA BRANCHMATUNGAKotak Mahindra BankMIRA- BHAYENDER BRANCHTHANEKotak Mahindra BankMUMBAI - CRAWFORD MARKETMUMBAIKotak Mahindra BankMUMBAI - JVPDMUMBAIKotak Mahindra BankMUMBAI - KANDIVALIMUMBAIKotak Mahindra BankMUMBAI - KANDIVALI (E)MUMBAIKotak Mahindra BankMUMBAI - KHAR WESTMUMBAIKotak Mahindra BankMUMBAI - MALADMUMBAI - MALADKotak Mahindra BankMUMBAI - OPERA HOUSEMUMBAIKotak Mahindra BankMUMBAI - POWAIMUMBAI

Kotak Mahindra BankMUMBAI - SION (W)MUMBAIKotak Mahindra BankMUMBAI - VILE PARLE (EAST...MUMBAIKotak Mahindra BankMUMBAI - VILE PARLE (WEST...MUMBAIKotak Mahindra BankMUMBAI ANDHERIMUMBAI ANDHERIKotak Mahindra BankMUMBAI BANDRAMUMBAI BANDRAKotak Mahindra BankMUMBAI BORIVILIMUMBAI BORIVILIKotak Mahindra BankMUMBAI CENTRAL BRANCHMUMBAIKotak Mahindra BankMUMBAI CURRENCY CHESTMUMBAIKotak Mahindra BankMUMBAI FORTMUMBAI FORTKotak Mahindra BankMUMBAI GHATKOPARMUMBAI GHATKOPARKotak Mahindra BankMUMBAI KALINAMUMBAI KALINAKotak Mahindra BankMUMBAI LOWER PAREL

MUMBAI LOWER PARELKotak Mahindra BankMUMBAI MULUNDMUMBAI MULUNDKotak Mahindra BankMUMBAI NAPEANSEAMUMBAI NAPEANSEAKotak Mahindra BankMUMBAI SANTACRUZMUMBAI SANTACRUZKotak Mahindra BankMUMBAI-NPTMUMBAI-NPTKotak Mahindra BankNAVI MUMBAI - KOPARKHAIRN...MUMBAIKotak Mahindra BankNAVI MUMBAI - NERULMUMBAIKotak Mahindra BankNAVI MUMBAI - VASHI SECTO...MUMBAIKotak Mahindra BankNEW MARINE LINES BRMUMBAIKotak Mahindra BankPARELMUMBAIKotak Mahindra BankPRABHADEVIPRABHADEVIKotak Mahindra BankS V ROAD BRANCHMUMBAIKotak Mahindra Bank

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PRODUCTS AND SERVICES

Funded ProductsShort and medium term funding facilities

At Kotak Mahindra Bank we understand the challenges and complexities faced by corporations in managing cash flows.Learn more about Funded Products:

Working Capital Structured Products

Treasury ProductsMitigate Business Risks

Risks are a reality of the business world. We provide money market and foregn exchange facilities to help you mitigate them.Learn more about Treasury Products:

Foreign Exchange Money Market Benchmark PLR

Investment ProductsMeet your financial goals

At Kotak Mahindra Bank, we recognize that financial needs vary. We have years of experience in helping organisations put together an investment portfolio that works best for them.Learn more about Investment Products:

Term Deposit Mutual Funds Bancassurance

Fixed Income ProductsA range of debt and fixed income products

Our debt capital markets group comprises a team of experienced and highly qualified professionals who structure products to suit the dynamic and varied needs of customers across segments. This includes corporates, Public Sector Undertakings, state level undertakings, Financial Institutions and banks. We offer a variety of products from plain vanilla debt issuance to Asset Backed Securities (ABS), Mortgage Backed Securities (MBS), structured products and loan syndication.Our strength lies in our ability to customise instrument structures, develop innovative products and then deliver these through topnotch execution capabilities and a wide distribution network across the country.Learn more about Fixed Income Products:

Sales and Distribution Case Studies Research

ATM NETWORKThe ATM service is available to you absolutely FREE

Our strategically located and constantly growing ATM network brings the bank within your easy reach.

The state of the art touch screen Kotak Mahindra Bank ATMs are part of the Visa/Plus ATM network. That means you can withdraw cash from our ATM Network with International and Domestic Visa/Visa Electron/Plus Credit Cards/Debit Cards.

With our special arrangement with HDFC Bank, you can use your Kotak Mahindra Bank Global Debit Card at over 1450 HDFC Bank ATMs absolutely free

onstantly growing ATM network brings the bank within your easy reach.

The ATM service is available to you absolutely FREE

Our strategically located and constantly growing ATM network brings the bank within your easy reach.

The state of the art touch screen Kotak Mahindra Bank ATMs are part of the Visa/Plus and Cashnet ATM network. That means you can withdraw cash from our ATM Network with any International and Domestic Visa/Visa Electron/Plus Credit Cards/Debit Cards.

Key Features

Access your account anytime anywhere State of the art Touch Screen ATMs Affiliated to the VISA network Access any ATM in the country absolutely free.

Services available

24-hour access to cash

Transfer funds between accounts

View Account Balances and Mini Statement

Pin Change option

Call our 24-hour Customer Contact Center to know more.

NETBANKING

Kotak Mahindra Bank's Net Banking service brings you the timeless world of instant banking. It is quick and easy, available to you 24X7 and it's absolutely free!

Key Features

Bank 24X7 - anywhere, anytime Move Money - Within your own Kotak Accounts, to someone else's Kotak

Account, to another bank via NEFT/ RTGS and Demand Draft. You have the option to 'Pay Now', 'Pay at a later date' or 'Schedule Regular Payments'. You even have the option to 'Save' the Transaction and pay when desired. You can even view all your 'Completed Transactions' along with the status.

You can book a Term Deposit and can do a premature withdrawal online. You can add a Beneficiary and Multiple accounts can be mapped for a

beneficiary for Transfer Type. (E.g. - NEFT / RTGS etc). Beneficiaries added at other channels like branch too, will be available for the customer on Net Banking to make a transfer to.

View details across Accounts, Term Deposits and Demat Accounts Pay your utility bills , VISA Credit Card bills, Recharge Prepaid Mobile

phones and DTH accounts and even pay your Direct tax through Kotak BillPay

Safe online shopping with Kotak Netc@rd ASBA-apply for IPO/FPO/Rights Issue without any paper-work and from

the convenience of your home / office. Invest /Redeem in Mutual Funds online and much more Stringent security offers complete peace of mind

Net Banking Features - What all can you do online?

Net Banking gives you a host of services, giving you complete control of your accounts:

View account balance, account activity, place standing instructions and cheque status

Open a Term Deposit

Transfer funds online between your/third party accounts with Kotak Mahindra Bank or any other bank account via RBI's NEFT or RTGS system

Place request for a cheque book, Debit Card PIN , payment gateway registration and lots more

Pay your Utility Bills on Kotak BillPay

Safe online shopping with Kotak Netc@rd

View securities available for Demat

View current Mutual Fund holdings, Buy and redeem Mutual Funds online

Shop online at over 3000 websites; make utility bill payments and much more via Kotak Payment Gateway. Know more about Kotak Payment Gateway

Banking Accounts

Demat Accounts

Investments

Kotak Netc@rd

Kotak BillPay / Get Money

ASBA

Requests

Profile

Mail

Statement

How secure is Net Banking?

Protected by the most stringent security systems, Net Banking allows you to transact over a completely secure medium. All your transactions travel via 256-bit SSL encrypted medium, the highest level of security on the internet. The servers are protected with firewalls that make unauthorized access impossible.

Each customer is, provided with a User ID and Password. Your password is generated in such a way that it is only known to you. To provide enhanced security and safety we have introduced Dynamic Access Code. To log in to Net Banking / Payment Gateway/Mobile Banking you would need to enter an additional password i.e. your 'Dynamic Access Code'. This Dynamic Access Code is to be generated online and will be sent instantly to your preferred Email ID and Mobile Number registered with the Bank.

Dynamic Access Code is valid for an hour from the time it is generated by you.

Dynamic Access Code can be generated by entering your User ID / Nick Name and your Net Banking Password and clicking on 'Generate Dynamic Access Code' tab on the Dynamic Access Code login page. For Payment gateway transactions, customers will be required to enter Dynamic Access Code irrespective of the customer being deregistered for Dynamic Access Code. Similarly, for creating NetC@rd, registration of Dynamic Access Code is compulsory.

In addition we guard against unauthorised entry or viewing in the following ways:

To prevent somebody from guessing your password and getting unauthorised access to your account your User ID is locked in case of three consecutive wrong password entries in 24 hours. Similarly, to prevent somebody from guessing your Dynamic Access Code and getting unauthorised access to your account generation of Dynamic Access Code is locked in case of five consecutive wrong entries of Dynamic Access Code of in 24 Hours

To prevent an unauthorised person from viewing your Net Banking account in case you leave your computer idle, we close your Internet session in case of inactivity for an extended period of time.

You can block your account anytime for any duration you wish by contacting our Customer Care Officer at our 24-hour Customer Contact Center. It is unblocked upon your request.

To prevent somebody from accessing your Net Banking User ID and Password through capturing of keystrokes from a keyboard, we have now enabled the 'Virtual Keypad' on the Net Banking / Payment Gateway Login screen.

Access Code and transaction alerts are sent to your preferred Email ID and Mobile Number registered with the Bank. For security reasons, you will not be able to change your preferred Email ID or Mobile Number through Net Banking and would need to submit a signed request along with an acceptable proof of identity at your nearest Kotak Mahindra Bank's Branch

ONLINE BANKINGExperience online banking - without a pc or internet connection

Welcome to the world of convenience banking on your Mobile phone.

Now, you can experience the benefits of online banking anywhere and anytime, without the need for a computer. All this absolutely FREE*!

Using the service, you can access your bank accounts and investment accounts at your fingertips, anytime, anywhere.

All this convenience comes to you on a secure and user friendly GPRS-based Mobile Banking platform.

Key Features

Anytime, Anywhere Banking Experience online banking - without a PC or internet connection View details across Accounts, Term Deposits and Investments Send and receive money from your mobile instantly via Interbank Mobile

Payment Service(IMPS) Pay utility bills Invest/Redeem in Mutual Funds - anytime, anywhere Secured platform - encrypted communication

Mobile Banking Features

Menu driven service - no need to remember complex codes

Security through 256 bit encryption.

Check your account balances for Current, Savings & Term Deposit accounts

View your account activity

Transfer funds between your accounts or other accounts in Kotak Bank

Send and receive money from your mobile instantly via Interbank Mobile Payment Service (IMPS)

Make payments to selected merchants via IMPS Merchant Payments

Purchase & redeem Mutual Fund units

Report loss/theft of Debit Card and request for replacement

Check status of your Cheque instruments

Request issue of new Cheque book

Pay Utility Bills to over 150 service providers

Make VISA credit card payment

Please Note:

i. You can make payments via mobile banking for the registered billers only. To register / add a biller on Kotak BillPay, login to Kotak Net Banking. Alternatively you can call up our 24-hour Customer Contact Centre or visit the nearest bank branch

ii. Daily limits for Visa credit card payment is Rs.49,999

iii. You can only transfer funds between Kotak accounts and to those beneficiaries registered on your Kotak Net Banking. To register a beneficiary, logon to www.kotak.com.

iv. IMPS facility is available for the banks participating in Interbank Mobile Payment Service (IMPS). To view the list of banks please click here

What you need to access this service

To access Kotak Mobile Banking you need:

A Kotak Mahindra Bank account

A Java-enabled handset

An active GPRS connection (Advanced GPRS recommended) from your service provider

Registration for Net Banking and a Net banking password

Activation Key - the Activation Key is generated on first login, which needs to be activated by forwarding the activation key, received on your preferred mobile number to 9971056767/ 5676788 or visit the nearest branch.

Security Features

Kotak Mobile banking platform uses secured Https protocol for communication between the mobile client and the mobile server. Protected by the most stringent security systems, Kotak Mobile Banking allows you to transact over a completely secure medium. All your transactions travel via

256-bit SSL encrypted medium, the highest level of security on the network. The servers are protected with firewalls that make unauthorized access impossible.

Downloading the Application

All you need to get started using Kotak Mobile Banking is to download the application by sending K MOBILE <Last 4 digits of your CRN> as SMS to 9971056767/5676788. Please note you need to send the message from the preferred mobile number you have registered with the bank. You can also call our 24-hour Customer Contact Centre for downloading Kotak Mobile Banking application. You would be receiving the link to download the application on your mobile number registered with the bank. Please make sure that you have updated your current mobile number with us.

Registration

Login to Kotak Mobile Banking with your Net Banking user ID and password to receive Activation Key on your preferred mobile number and email id registered with the bank. To activate Mobile Banking on your handset, simply forward the activation key, received on your preferred mobile number to 9971056767/5676788 or visit the nearest branch.

*Mobile Banking is offered to our customers absolutely FREE. There are no charges levied by us for accessing this service. However, please note that you will need to pay for the GPRS subscription charges as levied by your Mobile phone service providers

Kotak Mahindra Bank Ltd loans comprise Car Finance, Commercial Loans, Home Loans, Personal Loans and Loans Against Property. Kotak Mahindra Bank Limited belongs to the leading Indian financial conglomerate Kotak Mahindra Group.

Kotak Mahindra Bank Limited Car Loans

Kotak Mahindra Bank Limited Car Loans come from Kotak Mahindra Prime Limited a subsidiary unit of Kotak Mahindra Bank Ltd. The company provides finance options for all types of passenger vehicles and multi-utility vehicles including cars. Kotak Mahindra Prime Limited provides car dealers with inventory funding. It is also the preferred financier of a number of car manufactures in the country.

Kotak Mahindra Bank Limited Home Loans

Kotak Mahindra Bank Limited Home Loans comes with a host of attractive features. Some of the salient features are described below.

Wide array of offerings Absence of hidden charges Pre-approved sanctions Life insurance options Personal accident insurance, which is free

Vanilla Home Loan, Fixed Deposit linked Home Loans and Kotak Flexi Home Loan are some home loan offerings from Kotak Mahindra Bank

Limited.

Kotak Mahindra Bank Limited personal loans

Loans Against Property is a unique product from Kotak Mahindra. This loan can be used for issues like debt consolidation, educational finance, emergencies and the like.

Some key features of this loan are given below.

Heightened loan eligibility for businesspersons Loans are available against both commercial and residential

properties Personal accident insurance comes free with the loan Loan range is from ` 10 lakh to ` 3 crore

Kotak Mahindra Bank Limited personal loans are fast and easy. These loans are also known as Jaldi Loans. The loan range is from ` 50,000 to 50 lakh. Easy and flexible EMIs are available for repayment. The entire process involves minimal paperwork. Loan approval period can be as low as 72 hours. There are a host of other privileges associated with this loan.

Apart from these, Kotak Mahindra Bank Limited also offers Commercial Loans under the head of Retail Assets. This loan can be used for a variety of financing purposes like Commercial Vehicle Financing, Working Capital Financing, Infrastructure Financing, Financing of Tractor and Farm Equipment

KEY SUCCESS FACTORS One of the biggest reasons for this success was the teams’ unrelenting

focus on achieving what they had set out to do, which was to eliminate the problems of the existing system and ensure that there was no disruption of business during and after the Finacle “go live”.

Accomplished this through an unprecedented amount of testing which saw more than 100 “end of days”, and simulations of operations right through to April 2012 prior to going live

The bank’s insistence on testing every offering before giving it the go ahead – as well as its vast test case repository – was a contributing factor in the smooth execution

The availability of the production environment at the simulation stage itself, which gave the bank and the implementation team a realistic preview of the results that they could expect after going live on the new system. Benefits

Agility and short time to market

Scalability to support future growth

44% increase in new accounts added in the quarter succeeding implementation

Increase in new sales, cross sales and fee income

New offerings, such as RTGS Payments, Sweeps and Standing Instructions

24x7 back office