Sip Project

Kotak Mahindra Bank
A Summer Internship Project Report

On
A study on
Submitted to
Institute Code: 832
Oakbrook Business School
Under the guidance of

Prof. Ankita Srivastava
In partial fulfilment of the Requirement of the award of the Degree of
Master of Business Administration (MBA)
Affiliated to
Gujarat Technology University

Ahmedabad
Prepared by:
Jangid Sunil Prabhudayal
188320592043
MBA (Semester - III)
July 2019

Kotak Mahindra Bank
OAKBROOK BUSINESS SCHOOL

Plot No. 225, Opp. Maharaja Hotel Lane, Jamiyatpura Road,
Sarkhej
Gandhinagar Highway PO: Jamiyatpura, Gandhinagar-382423
Gujarat-, INDIA
Student’s Declaration
I Undersigned Sunil P. Jangid a student of Oakbrook Business School MBA 3rd semester,
declare that summer internship project titled “A study on people perception toward
investment” at Kotak Mahindra Bank” is a result of my/our own work and my indebtedness
to other work publications, references, if any, have been duly acknowledged. If I found
guilty of copying any other report or published information and showing as my original
work, I understand that I shall be liable and punishable by Institute or University, which may
include ‘Fail’ in examination, ‘Repeat study & re-submission of the report’ or any other
punishment that Institute or University may decide.
Enrolment Number Name Sign

188320592043 Sunil P. Jangid
Signature and Date

Kotak Mahindra Bank
OAKBROOK BUSINESS SCHOOL

Plot No. 225, Opp. Maharaj Hotel Lane, Jamiyatpura Road, Sarkhej
Gandhinagar Highway PO: Jamiyatpura, Gandhinagar-382423
Gujarat-, INDIA
Date: __/__/____
“This is to certify that this Summer Internship Project Report Titled “A study on people
perception toward investment at Kotak Mahindra Bank” is the bonafide work of Sunil P. Jangid
(Enrolment No.188320592043), who has carried out his / her project under my supervision. I also
certify further, that to the best of my knowledge the work reported herein does not form part of
any other project report or dissertation on the basis of which a degree or award was conferred on
an earlier occasion on this or any other candidate.
I have also checked the plagiarism extent of this report which is ……… % and it is
below the prescribed limit of 30%. The separate plagiarism report in the form of
html /pdf file is enclosed with this.
Rating of Project Report [A/B/C/D/E]: ______
(A=Excellent; B=Good; C=Average; D=Poor; E=Worst)
Signature of the Faculty Guide/s

Prof. Ankita Srivastava
Signature of Principal/Director with Stamp of Institute

Kotak Mahindra Bank
Company certificate

Kotak Mahindra Bank

Kotak Mahindra Bank

Kotak Mahindra Bank
Preface
Competition is seen in the economy. Now the present scenario of the business world is quite
different from the past. Ethics, conflicts, new ideologies and energy scarcities are just the few
of characteristics that present quite different from the past.
In order to scope up in the ever changing environment, the knowledge of all aspect of
business world is a need today. M.B.A. Programs and management institution provide a
global manager to this Modern business world. But only knowledge is not for the Business
but successful implementation of the knowledge the key to success.
Industrial knowledge is like a coin, which has two sides. One is theoretical and another is
practical knowledge. Both are very important for report. But in fact practical knowledge is
more important than theoretical.
Hence in order to get familiar with the practical knowledge each student is required to
implement the theoretical aspects of the subject into the practical life work. It was a
purposeful and enriching experience for me. Apart from theoretical aspect, we gained a lot of
new things about practical knowledge. I have made this project to implement the theoretical
aspects of the subject in to a practical work.

Kotak Mahindra Bank
Acknowledgement
This project is the outcome of sincere efforts, hard work and constant guidance of not only
me but a number of individuals. First and foremost, I would like to thanks OBS for giving me
the platform to work with such a company. I am thankful to my faculty guide Prof. Ankita
Srivastava and also thanks to our director Dr. Sourbhi Chaturvedi for providing me help
and support throughout the internship period.
I owe a debt of gratitude to my company guide kinjal divate and Branch manager Garima
Rajput, Kotak Mahindra Bank, mamnagar Ahmedabad who not only gave me valuable
inputs about the industry but was a continuous source of inspiration during these two months,
without whom this project was never such a great success.
I would also take the opportunity to thank the entire staff of Kotak Mahindra Bank,
Ahmedabad who helped and shared their knowledge about the industry fort which I am
highly grateful.
Last but not least I would like to thank all my faculty members, friends and well wishes
who have helped me directly or indirectly in the completion of the project.
Sunil P. Jangid
MBA 2018-20
OBS

Kotak Mahindra Bank
Table of contact
Sr.no Particular Page No

Part 1
Cover page and title page
Student declaration
Company certificate
Collage certificate
Turnitin Originality Report & Receipt
Preface
Acknowledgement
Executive Summary
Table of Content
Part 2
1 Industry Overview
2 Company Overview
3 Literature Review
4 Problem Statement
5 Introduction of the topic
6 Research Objectives
7 Research Methodology
8 Data Analysis
9 Limitations of Study
10 Findings
11 Recommendation
12 Conclusion
13 Bibliography and Reference
14 Annexure

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1. INDUSTRY OVERVIEW

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Introduction of Banking Industry
The Indian economy is developing as a one of the most grounded economy of the world with
the GDP development of more than 8 % consistently. A most grounded keeping money
industry is imperative in each nation and can have a huge effect in supporting monetary
advancement through productive budgetary administrations. Managing an account segment
assume an indispensable part in development and improvement of Indian economy. After
progression the managing an account industry in India under gone significant changes. The
procedure of progression and globalization has firmly affected the Indian keeping money
segment. A steady and proficient managing an account area is a fundamental precondition to
build the financial level of a nation. Advancement strategy presented in the keeping money
part in India prompted united rivalry, effective portion of assets and presenting imaginative
strategies for assembling of sparing. The capacity of banks to examine its money related
position for enhancing its aggressive position in the commercial center. Most banks in India
are at present centering on extending their administration organize. A developing Indian
economy, extending their different sections. After the proposals of Narshinham Committee
report with the passage of numerous private players. Indian keeping money industry has
changed into a client situated market. It presently comprises of numerous items and client
gatherings and different channels of conveyance. It is verifiable truth that a powerful and
effective saving money framework is essential for the long-run development and
improvement of the economy. Along these lines, there is expected to make a complete report
into execution of banks in India. A Banking Sector performs three essential capacities in
economy, the task of the installment framework, the preparation of reserve funds and the
designation of sparing to speculation products.1 banking industry has been changed after
changes process.
There appears to be no consistency among the business analyst about the root of "Bank"
According to a few creators "Bank", itself is gotten from "Bancus" or "Banquet" that is a seat.
The early financiers, the Jews in Lombardy, executed their business on seats in the
commercial center, when, an investor fizzled, his 'Banco' was separated by the general
population; it was called 'Bankrupt'. This historical background is be that as it may, derided
by McLeod on the ground that "The Italian Money changers accordingly were never called
Banchier in the medieval times”. It is for the most part said that "Bank" has been begun in
Italy. Amidst twelfth century there was an extraordinary monetary emergency in Italy because

Kotak Mahindra Bank
of war. To meet the war costs, the legislature of that period a constrained bought in advance
on natives of the nation at the enthusiasm of 5% for each annum. Such credits were known as
'Analyze', 'Minto' and so forth. The most widely recognized name was "Monte'. In Germany
the word 'Monte was named as 'Bank' or 'Banke'. As indicated by a few scholars, the word
'Bank' has been gotten from the word bank.
It is additionally said that the word 'bank' has been gotten from the word 'Banco' which
implies a seat. The Jews cash loan specialists in Italy used to execute their business sitting on
seats at various commercial centers. At the point when any of them used to neglect to meet
his commitments, his 'Banco' or branch or seat would be broken by the furious loan bosses.
The word 'Bankrupt' is by all accounts started from broken Banco. Since, the managing an
account framework has been begun from cash driving business; it is properly contended that
the word 'Bank' has been started from "Banco'. Whatever be the birthplace of the word 'Bank'
as Professor Ram Chandra Rao says, "It would follow the historical backdrop of managing an
account in Europe from the medieval times".
Today the word bank is utilized as a far reaching term for various establishments carrying on
specific sorts of money related business. Practically speaking, the word 'Bank' implies which
gets cash from one class of individuals and again loans cash to another class of individuals
for premium or benefit.
In reality importance of bank isn't indicates in any control or act. In India, diverse individuals
have distinctive sort of importance for bank. Typical pay worker knows methods for bank that
it is a sparing establishment, for current record holder or businessperson knows bank as a
money related foundations and numerous other. Bank isn't revenue driven making, it makes
sparing action in compensation worker.

Kotak Mahindra Bank
Meaning of Bank:
A Bank is an organization which acknowledges stores from the overall population and
stretches out advances to the family units, the organizations and the legislature. Banks are
those foundations which work in cash. In this manner, they are cash brokers, with the
procedure of advancement elements of banks are additionally expanding and broadening now,
the banks are not almost the merchants of cash, they likewise make credit. Their exercises are
expanding and enhancing. Henceforth it is exceptionally hard to give an all-around
satisfactory meaning of bank. "Keeping money business" implies the matter of getting cash
on current or store account, paying and gathering checks drawn by or paid in by clients, the
making of advances to clients, and incorporates such different business as the Authority may
endorse for the motivations behind this Act.
Definition of Bank:
Indian Banking Regulation act 1949 area 5 (1) (b) of the keeping money Regulation Act 1949
Banking is characterized as.
"Tolerating with the end goal of the arrival of speculation of stores of cash from open
repayable on request or other astute and pull back capable by checks, draft, arrange or
something else".
"Bank implies a seat or table for evolving cash'.

- Greek History
"Bank is a foundation for guardianship of cash got from or on Behalf of its clients. Its basic
obligation is to pay their drafts unit. Its benefits emerge from the utilization of the cash left
utilized them".
- Oxford Dictionary

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History of Bank:
The first banks were probably the religious temples of the ancient world, and were probably
established sometime during the third millennium B.C. Banks probably predated the
invention of money. Deposits initially consisted of grain and later other goods including
cattle, agricultural implements, and eventually Precious metals such as gold, in the form of
easy to-carry compressed plates. Temples and palaces were the safest places to store gold as
they were constantly attended and well built. As sacred places, temples presented an extra
deterrent to would-be thieves. There are extant records of loans from the 18th century BC in
Babylon that were made by temple priests/monks to merchants. By the time of Hammurabi`s
Code, banking was well enough developed to justify the promulgation of laws governing
banking operations.
Ancient Greece holds further evidence of banking. Greek temples, as well as private and civic
entities, conducted financial transactions such as loans, deposits, currency exchange, and
validation of coinage. There is evidence too of credit, whereby in return for a payment from a
client, a moneylender in one Greek port would write a credit note for the client who could
"cash" the note in another City, saving the client the danger of carting coinage with him on
his journey. Pythons, who operated as a merchant banker throughout Asia Minor at the
beginning of the 5th century B.C., is the first individual banker of whom we have records.
Many of the early bankers in Greek city-states were “metics” or foreign residents.
Around the season of Adam Smith (1776) there was an enormous development in the saving
money industry. Banks assumed a key part in moving from gold and silver based coinage to
paper cash, redeemable against the bank's property. Such developing internationalization and
opportunity in money related administrations has totally changed the aggressive scene, as
now numerous banks have shown an inclination for the "all-inclusive saving money"
demonstrate pervasive in Europe. All-inclusive banks are allowed to take part in all types of
monetary administrations, make interests in customer organizations, and capacity however
much as could reasonably be expected as a "one-stop" provider of both retail and discount
money related administrations.

Kotak Mahindra Bank
History of Banking in India:

Old India
The source of keeping money in goes back to the Vedic time frame. There are rehashed
references in the Vedic writing to cash loaning which was very regular as a side business.
Afterward, amid the season of the Smritis, which took after the Vedic Period and the Epic
age, keeping money turn into a full-time business and got broadened with financiers
performing the greater part of the elements of the present day. The Vaish people group, who
directed saving money business amid this period. As far back as the second or third century
A.D. Manu the considerable Hindu Jurist, committed a segment of his work to stores and
propels and set down tenets identifying with rates important to be charged. Still later, that is
amid the Buddhist time frame, managing an account business was decentralized and turned
into a matter of volition. Therefore, Brahmins and Kshatriyas, who were prior not allowed to
take to managing an account as their calling with the exception of under especially
uncommon conditions, likewise took to it as their business. Amid this period keeping money
turned out to be more particular and deliberate and bills of trade came in wide utilize.
"Shresthis" or financiers persuasive in the public eye and regularly went about as imperial
treasurers.
Types of Banks:
In 1935, 'The State Bank of India Act, was passed, appropriately, 'The Imperial Bank of India'
was nationalized and State Bank of India developed with the goal of expansion of saving
money offices on an extensive scale, particularly country and semi – urban zone and for
different of general society purposes. In 1969, fourteen noteworthy Indian Commercial Banks
were nationalized and in 1980, six
More were included to constitute the general population area banks. Business Banks in India
are ordered in Scheduled Bank and Non Scheduled Banks. Planned Banks are including
nationalized Bank, SBI and its auxiliaries, private segment banks and remote banks. Non
Scheduled Banks are those incorporated into the second Scheduled of the RBI Act, 1934.

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Booked Banks
The second booked of RBI act, make a rundown of banks which are depicted as "Planned
Bank" In the terms of segment 42 (6) of RBI act, 1934, the required sum is just Rs. 5 Lakh.
The Scheduled Banks appreciate a few benefits. It implies that planned banks conveys
wellbeing and eminence esteem contrasted with non-booked banks. It is involved to get
renegotiate office as pertinent.
Nationalized Banks
The nationalized banks incorporate 14 banks nationalized on nineteenth July, 1969 and the 6
more nationalized on fifteenth April, 1980. They are likewise booked banks, after this
nationalization the legislatures attempt to actualize different welfare plans.
Non Scheduled Banks

The business banks excluded in the second timetable of the RBI demonstration are known as
non-booked banks. They are not qualified for offices like renegotiate and rediscounting of
bills and so forth, from RBI. They are occupied with loaning cash reducing and gathering
bills and different organization administrations. They demand higher security for advances.
Old Private Bank

These banks all enlisted under Companies Act, 1956. Essential contrast between Co-agent
bank and Private Banks is its point. Agreeable banks work for its part and private banks are
work for claim benefit.
New Private Banks

These banks lead the market of Indian keeping money business in brief period on account of
its assortment of administrations and way to deal with handle client and furthermore as a
result of long working hours and speed of administrations. This is likewise enrolled under the
Company Act 1956. Amongst old and new private banks there is wide contrast.
Outside Banks
Outside Banks mean multi-nations bank. If there should be an occurrence of Indian remote
banks are such banks which open its branch office in India and their head office are outside of
India. E.g. HSBC Bank, City Bank, Standard Chartered Bank and so on.

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Co-agent Banks
Co-agent Banks another part of the Indian save money with the sanctioning of the Co-agent
Credit Societies were satiated attributable to the expanding interest of Co-agent Credit,
another Act of the 1994, which accommodate the expanding interest of Co-agent Central
banks by an association of essential credit social orders or by an association of essential
credit socialites and people.
Saving money Product Portfolio:
Stores
There are numerous items in retail saving money like Fixed Deposit, Savings Account,
Current Account, Recurring Account, NRI Account, Corporate Salary Account, Free Demat
Account, Kid's Account, Senior Citizen Scheme, Check Facilities, Overdraft Facilities, Free
Demand Draft Facilities, Locker Facilities, Cash Credit Facilities, and so on. They are
recorded and clarified as takes after:
Settled Deposits
The store with the bank for a period, which is determined at the season of making the store, is
known as settled store. Such stores are otherwise called FD or term store . FD is repayable on
the expiry of a predefined period. The rate of premium and different terms and conditions on
which the banks acknowledged FD were managed by the RBI, in area 21 and 35Aof the
Banking Regulation Act 1949.Each bank has endorsed their own particular rate of premium
and has additionally allowed higher rates on stores over a predefined sum. RBI has likewise
allowed the banks to define FD conspires uniquely implied for senior resident with higher
enthusiasm than ordinary.
Sparing Accounts
Sparing ledger is intended for the general population who wish to spare a piece of their
present pay to meet their future needs and they can likewise acquire in enthusiasm on their
investment funds. The rate of premium payable on by the banks on stores kept up in
investment account is recommended by RBI.

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Presently a-days the settled store is additionally connected with sparing record. At whatever
point there is abundance of adjust in sparing record it will consequently move into settled
store and if there is deficiency of assets in bank account, by issuing check the cash is
exchanged from settled store to sparing record. Distinctive banks give diverse name to this
item.
Current Accounts
A present record is a functioning and running record, which might be worked upon any
number of times amid a working day. There is no limitation on the number and the measure
of withdrawals from a present record. Current record, suit the prerequisites of a major
businesspeople, business entities, establishments, open specialists and open company and so
on.
Repeating Deposit
A variation of the sparing bank a/c is the repeating store or aggregate store a/c presented by
banks as of late. Here, a contributor is required to store a sum picked by him. The rate of
enthusiasm on the repeating store account is higher than when contrasted with the enthusiasm
on the sparing record. Banks open such records for periods going from 1 to 10 years. There
relieving store record can be opened by any number of people, in excess of one individual
mutually or severally, by a watchman for the sake of a minor and even by a minor.
NRI Account
NRI accounts are kept up by banks in rupees and in addition in remote money. Four sorts of
Rupee record can be open in the names of NRI: Apart from this, outside cash account is the
record in remote money. The record can be open typically in US Dollar, Pound Sterling, and
Euro. The records of NRIs are Indian thousand year’s store, Resident remote cash, lodging
money plot for NRI speculation plans.
Corporate Salary account

Corporate Salary account is another item by certain private area banks, outside banks and as
of late by some open part banks moreover. Under this record compensation is kept in the
record of the workers by charging the record of boss. The main thing required is the record
number of the representatives and the sum to be paid them as pay. In specific cases the base

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adjust required is zero. Every other office accessible in reserve funds a/c are additionally
accessible in corporate compensation account.
Child's Account
Kids are welcomed as client by specific banks. Under this, Account is opened for the sake of
children by guardians or gatekeepers. The highlights of child's record are free customized
check book which can be utilized as a blessing check, web managing an account, speculation
administrations and so on.
Senior Citizenship plot

Senior natives can open a record and on that record they can get loan cost fairly more than the
ordinary rate of intrigue. This is because of some social obligations of banks towards matured
people whose profit are for the most part on the loan cost.
Credits and Advances

The fundamental business of the managing an account organization is loaning of assets to the
constituents, for the most part merchants, business and mechanical undertakings. The
significant segment of a bank's assets is utilized by method for credits and advances, which is
the most productive work of its assets. There are three fundamental standards of bank loaning
that have been trailed by the business banks and they are security, liquidity, and benefit.
Banks concede advances for various periods like here and now, medium term, and long haul
and furthermore for various reason.
Individual Loans
This is one of the significant credits gave by the banks to the people. There the borrower can
use for his/her own motivation. This might be identified with his/her business reason. The
measure of advance is relied upon the wage of the borrower and his/her ability to reimburse
the credit.
Lodging Loans
NHB is the completely claim backup of the RBI which control and manage entire industry
according to the direction and data. The reason for credit is principally for procurement,
augmentation, redesign, and arrive improvement.
Instruction Loans

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Advances are given for instruction in nation and abroad.
Vehicle Loans
Advances are given for buy of bike, auto-rickshaw, auto, bicycles and so on. Low loan fees,
expanding pay levels of individuals are the variables for development in this area.
Notwithstanding for second hand auto fund is accessible.
Proficient Loans
Advances are given to specialist, C.A, Architect, Engineer or Management Consultant. Here
the credit reimbursement is ordinarily done as compared month to month.
Purchaser Durable Loans

Under this, advances are given for obtaining of T.V, Cell telephones, A.C, Washing Machines,
Fridge and other items.34
Advances against Shares and Securities

Fund against shares is given by banks for various employments. Presently days back against
shares are given for the most part in demate shares. An edge of half is ordinarily
acknowledged by the rely upon showcase esteem. For these advances the records required are
ordinarily DP notes, letter of proceeding with security, vow frame, intensity of lawyer. This
advance can be utilized for business or individual reason.
Keeping money Services

In this evolving situation, the part of banks is essential for the development and improvement
of clients and economy. Keeping money Sector is putting forth conventional and other
administration as under:
• Regular Saving and current records

• Regular settled stores
• ATM administrations
• Credit cards
• Demate cards
• Student managing an account

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• Special NRI Services

• Home credit, Vehicle advance
• Tele and web managing an account
• Online exchanging
• Business duplicates A/Cs
• Insurance
• Relief securities and common reserve
• Loans against shares
• Retail keeping money
• Special store conspire
• Senior resident – exceptional store conspire
• Other offices for clients
Web based Banking

The antecedent for the cutting edge home internet managing an account administrations
were the separation keeping money benefits over electronic media from the mid-1980s.
The term online wound up mainstream in the late '80s and alluded to the utilization of a
terminal, console and TV (or screen) to get to the saving money framework utilizing a
telephone line. 'Home saving money' can likewise allude to the utilization of a numeric
keypad to send tones down a Phone line with guidelines to the bank. Online
administrations began in New York in 1981 when four of the city's significant banks
(Citibank, Chase Manhattan, Chemical and Manufacturers Hanover) offered home
keeping money administrations utilizing the videotext framework. As a result of the
business disappointment of videotex these managing an account benefits never ended up
well known aside from in France where Phone line with directions to the bank. Online
administrations began in New York in 1981 when four of the city's real banks (Citibank,
Chase Manhattan Chemical and Manufacturers Hanover) offered home keeping money
administrations utilizing the videotex framework. Due to the business disappointment of
videotext these managing an account benefits never wound up prominent with the
exception of in France where the utilization of videotex (Minitel) was financed by the
telecom supplier and the UK, where the Prestel framework was utilized.
Meaning:

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Web based keeping money (or Internet managing an account) enables clients to lead
monetary exchanges on a protected site worked by their retail or virtual bank, credit
association or building society.
Value-based
Playing out a money related exchange, for example, a record to account exchange, paying
a bill, wire exchange and applications apply for a credit, new record, and so forth.
• Electronic Bill Presentment and Payment – EBPP
• Funds exchange between a client's own checking and sparing records, or to another
client's record
• Investment buy or deal
• Loan applications and exchanges, for example, reimbursements of enrolments
Non Transactional
(e.g., online explanations, check joins, co perusing, visit)
• Bank explanations
• Financial Institution Administration
• Support of different clients having fluctuating levels of specialist
• Transaction endorsement process
• Wire exchange
Fate of Indian Banking
The Reserve Bank of India in its ‗road delineate' the saving money industry has
demonstrated that the Indian market will be opened for worldwide banks by in closer
future. It is normal that numerous remote banks would pick up section in the Indian
markets to tap the tremendous potential that exists today. These saves money with the
assistance of cutting edge innovation, sufficient capital for venture, and their client driven
approach will have the capacity to pull in the beneficial clients from the current banks. A
savage rivalry between the current banks and the new contestants is probably going to
give stimulus to business development. To successfully address the aggressive difficulties
from such banks, the Indian saving money industry should adapt and receive the

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worldwide prescribed procedures, which make them more grounded and practically
identical with the universal banks.
The new outside banks entering the Indian market will make progress toward making a solid
client base. These manages an account with their expansive assets accessibility as capital are
probably going to mix the most recent IT based innovative answers for quality money related
administrations. The Indian business banks have encountered the move of inclination of the
new age clients from 'customized keeping money' to 'mechanical managing an account'. This
techno savvy client bunches wants to finish saving money exchanges from their home or
workplaces as opposed to going to the bank office. They have almost no dependability to
their financiers and given a scarcest enhanced innovation to move their keeping money needs
from the current to another bank. Even with the danger of losing beneficial clients to the new
contestants in the keeping money division, the current business; banks should develop
reasonable market systems went for pulling in the current ones.

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2. COMPANY OVERVIEW

Kotak Mahindra Bank
Introduction about Kotak Mahindra Bank Ltd.

Set up in 1985, the Kotak Mahindra bunch has been one of India's most rumored
monetary aggregates. In February 2003, Kotak Mahindra Finance Ltd, the gathering's
leader organization was given the permit to bear on saving money business by the
Reserve Bank of India (RBI). This endorsement made saving money history since Kotak
Mahindra Finance Ltd. is the primary non-keeping money fund organization in India to
change over itself in to a bank as Kotak Mahindra Bank Ltd. Today, the bank is one of the
quickest developing bank and among the most respected money related establishments in
India.
The bank has more than 323 branches and a client account base of more than 2.7 million.
Spread all finished India, not simply in the metros but rather in Tier II urban communities
and provincial India too, it is reclassifying the span and intensity of managing an account.
By and by it is occupied with business managing an account, stock broking, shared assets,
extra security and venture saving money. It takes into account the budgetary needs of
people and corporate. The bank has a global nearness through its backups with
workplaces in London, New York, Dubai, Mauritius, San Francisco and Singapore that
represent considerable authority in giving administrations to abroad speculators looking
to put into India.
Products and Services
• The bank offers finish money related answers for boundless necessities of all individual
and non-singular clients relying upon the client's need – conveyed through a best in class
innovation stage. Venture items like Mutual Funds, Life Insurance, retailing of gold coins
and bars and so forth are likewise advertised. The bank takes after a blend of both open
and shut design for dissemination of the venture items. This is sponsored by solid, in-
house inquire about on Mutual Funds.
He bank's investment account goes past the customary part of funds, and enables us to set
aside significantly something beyond cash. The straightforward component of bank
account gives a scope of administrations from stores exchange, charge installments, 2-
route clear through our dynamic Money highlight and considerably more. We can put
standing guidelines for speculation alternatives that can be reserved through Internet or
through telephone managing an account administrations. The bank account hence
accommodates alluring returns earned through an exhaustive suite items and

Kotak Mahindra Bank
administrations that offer venture choices, all conveyed flawlessly to the client by all
around coordinated innovation stages.
• Apart from Phone managing an account and Internet saving money, the bank offers
advantageous keeping money office through Mobile saving money, SMS administrations,
Netc@rd, Home saving money and Bill Pay office among others.
• The Depository administrations offered by the Bank enables the clients to hold value
shares, government securities, bonds and different securities in electronic or Demat
shapes.
• The pay 2 riches offering gives exhaustive managerial answer for Corporate with
highlights, for example, simple and computerized electronic pay transfer process
consequently disposing of the printed material associated with the procedure, a devoted
relationship supervisor to administrations the corporate record, tweaked advancements
and tie – ups and numerous such one of a kind component. The entire extent of venture
items and speculation warning administrations is accessible to the compensation account
holders too.
• For the business network, the bank offer extensive business arrangements that incorporate
the present Account, Trade Services, Cash Management Service and Credit offices. The
bank's discount managing an account items offer business saving money answers for long
haul venture and working capital needs, exhortation on mergers and acquisitions and gear
financing. To address unique issues of the rustic market, the bank has committed business
contributions for farming financing and foundation. Its Agriculture Finance division
conveys tweaked items for capital financing and hardware financing needs of our country
clients.
• For monetary liquidity the bank offers credits that meet individual necessities with speedy
endorsement and adaptable installment choices. To finish the individual budgetary
contributions space, the bank currently offers Kotak Credit Card which is a problem free,
straightforward item that likewise happens to be the principal vertical card in the
business.
Kotak Mahindra Bank tends to the whole range of money related necessities of Non-
Resident Indians. The bank has tie-up with the abroad Indian Facilitation Centre(OIFC)
as a vital accomplice, which gives them a stage to share their thorough scope of managing
an account and venture items and administrations for Non Resident Indians NRIs) and

Kotak Mahindra Bank
Persons of Indian Origin (PIOs). Their Online Account Opening office and Live Chat
benefit connects at the solace of homes and at the accommodation. These contributions
are particularly intended to suit the abroad Indian's Personal budgetary needs and give the
worldwide Indians a close to home feel.
Awards:
• ICAI Award – Excellence in Financial Reporting under Category 1 – saving money
Sector for the year finishing 31st March, 2010
Asia money – Best Local money Management bank 2010
IDG India-Kotak won the CIO 100 'The Agile 100' honor 2010
IDRBT
• Banking Technology Excellence Awards Best Bank Award in IT Framework and

Governance Among Other Banks' - 2009
• Banking Technology Award for IT Governance and esteem Delivery, 2008
• IR Global Rankings – Best Corporate Governance Practices – Ranked among
the best 5 organizations in Asia Pacific, 2009
Finance Asia – Best Private Bank in India, for Wealth Management business, 2009
Kotak Royal Signature Credit Card – was picked 'Result of the Year' in a review
directed by Nielsem in 2009
• IBA Banking Technology Awards

• Best Customer Relationship Achievement – Winner 2008 &2009
• Best general victor, 2007
• Best IT Team of the Year, 4 years in succession from 2006 to 2009
• Best IT Security Policies and Practices, 2007
Euro money – Best Private Banking Services (Overall), 2009
History
1985 Kotak Mahindra Finance Ltd. commences bill discounting business

1987 Enters lease and hire purchase business

Kotak Mahindra Bank
1998 Kotak Mahindra Group launches India’s first gilt fund through Kotak Mahindra Asset
Management Company (KMAMC)
1990 Starts auto finance division for financing passenger car
1991 Establishes investment banking division
2001 Kotak Mahindra Group launches life insurance business, partners Old Mutual plc to
from Kotak Mahindra Old Mutual life insurance Ltd.
2003 Kotak Mahindra Finance Ltd. (KMFL), the group’s flagship company, receives banking
license from the Reserve Bank of India (RBI). With this, KMFL becomes the first non-
banking finance company in India to be converted into a commercial bank – Kotak Mahindra
Bank Ltd.
2004 Kotak Mahindra Group enters alternate assets business with the launch of a private
equity fund
2005 Kotak Mahindra Group realigns joint venture with Ford Credit; takes 100% ownership
of Kotak Mahindra Prime (formerly known as Kotak Mahindra Primus Limited) and sells its
stake in Ford Credit Kotak Mahindra to Ford Kotak Alternate Assets launches a real estate
fund 2006 Kotak Mahindra Bank buys out Goldman sachs’ equity stake in Kotak Mahindra
Capital Company and Kotak securities Ltd.
2008 Kotak Mahindra Bank opens a representative office in Dubai
2009 Kotak Mahindra Group launches a pension fund under India’s National Pension
System
(NPS)
2014 Thrust on digital and social with the launch of innovative solution – first-of-its-kind
fully integrated social bank account – ‘Jifi’, and world’s first bank agnostic instant funds
transfer platform using Facebook – ‘KayPay’. Subsequently in Jan 2015, ‘Jifi Saver’ – a
savings bank account with secure and seamless transactions on popular social networks was
launched.
Kotak Mahindra Bank acquires 15% equity stake in Multi Commodity Exchange of India
Limited (MCX) Kotak Mahindra asset Management Company Ltd. acquires schemes of Pine
bridge Mutual Fund
2015 Reserve Bank of India (RBI) approves merger of ING Vysya Bank with Kotak
Mahindra Bank effective April 1, 2015
Kotak Mahindra General Insurance Receives IRDAI Approval to Commence Insurance
Business

Kotak Mahindra Bank
2016 Kotak Mahindra Bank Acquires 10,00,000 Equity shares of Institutional Investor
Advisory services India Limited
Kotak Mahindra Bank acquires 9,83,82,022 (19.90%) Equity Shares of Airtel M Commerce
Services Limited Company (AMSL)
Kotak Mahindra Bank launches International Banking Unit in Gujarat International Finance
Tec-City (GIFT City), Gandhinagar, Gujarat
Kotak Mahindra bank Acquires BSS Microfinance Private Limited
VISION OF KOTAK BANK
The Global Indian Financial services Brand
• Our customers will enjoy the benefits of dealing with a global Indian brand that best
understands their needs and delivers customized pragmatic solutions across multiple
platforms.
• We will be a world class Indian financial services group. Our technology and best
practices will be bench-marked along international lines while our understanding of
customers will be uniquely India.
• We will be more than a repository of our customers’ savings. We, the group, will be single
window to every financial service in a customer’s universe.
The Most Preferred Employer in Financial Services
• A culture of empowerment and a spirit of enterprise attracts bright minds with an

entrepreneurial streak to join us and stay with us.
• Working with a home grown professionally managed company, which has partnerships
with international leaders, gives our people a perspective that is universal as well as
unique.
The Most Trusted Financial Services Company
• We will create an ethos of trust across all our constituents. Adhering to high standards of
compliance and corporate governance will be an integral part of building trust.
Value Creation
• Value creation rather than size alone will be our business driver.
Kotak Mahindra Bank Other Products

Kotak Mahindra Bank
Kotak Mahindra Old Mutual Life Insurance Ltd.
Kotak Mahindra Old Mutual Life Insurance Ltd is a 74:26 joint venture between Kotak
Mahindra Bank Ltd. its affiliates and Old Mutual plc. A Company that combines its
international strengths and local advantages to offer its customers a wide range of
innovative life insurance products, helping them take important financial decisions at
every stage in life and stay financially independent. The company over 3 million lives and
is one of the fastest growing insurance companies in India.
Kotak Securities Ltd.
Kotak Securities is one of the largest broking houses in India with a wide geographical
reach. Kotak Securities operations include stock broking and distribution of various
financial products including private and secondary placement of debt, equity and mutual
funds.
Kotak Securities operate in five main areas of business:
• Stock Broking (retail and institutional)

• Depository services
• Portfolio Management Services
• Distribution of Mutual Funds
• Distribution of Kotak Mahindra Old Mutual Life Insurance Ltd. Products
Kotak Mahindra General Insurance Company Ltd.
Kotak Mahindra General Insurance Company Ltd. is a 100% subsidiary of Kotak Mahindra
Bank Ltd., one of the fastest growing banks in India. Kotak Mahindra General Insurance
Company Ltd. was established to service the growing non-life insurance needs of an
emerging India, emphasizing on customer service, quality & innovation.
The company aims to cater to a wide range of customer segment & geographical offering an
array of non-life insurance products like Motor, Health, etc.
As a practice, the company seeks to provide a differentiated value proposition through

customized products 7 services leveraging state of art technology &digital infrastructure.
Kotak Mahindra Capital Company (KMCC)

Kotak Mahindra Bank
Kotak Mahindra Banking (KMCC) is a full-service investment bank in India offering a wide
suite of capital market and advisory solutions to leading domestic and Multinational
Corporation, banks, financial institutions and government companies.
Our services encompass Equity 7 Debt Capital Markets, M & A Advisory, Private Equity
Advisory, Restructuring and Recapitalization services, Structured Finance services and
Infrastructure Advisory & Fund Mobilization.
Kotak Mahindra Prime Ltd. (KMPL)
Kotak Mahindra Prime Ltd. is among India’s largest dedicated passenger vehicle finance
companies, KMPL offers loans for the entire range of passenger cars, multi-utility vehicles
ans pre-owned cars. Also on offer are inventory funding and infrastructure funding to car
dealers with strategic arrangements via various car manufactures in India as their preferred
financier.
Kotak International Business
Kotak International Business specializes in providing a range of services to overseas

customers seeking to invest in India. For institutions and high net worth individuals outside
India, Kotak International Business offers asset management through a range of offshore
funds with specific advisory and discretionary investment management services.
Kotak Mahindra Asset Management Company Ltd. (KMAMC)
Kotak Mahindra Asset Management Company offers a complete bouquet of asset

management products and service that are designed to suit the diverse risk return profiles of
each and every type of investor. KMAMC and Kotak Mahindra Bank are the sponsors of
Kotak Mahindra Pension Fund Ltd., which has been appointed as one of six fund managers to
manage pension funds under the New Pension Scheme (NPS).
Kotak Private Equity Group (KPEG)
Kotak Private Equity Group helps nurture emerging business and mid-size enterprises to
evolve into tomorrow’s industry leaders. With a proven track record of helping build
companies, KPEG also offers expertise with a combination of equity capital, strategic support
and value added services. What differentiates KPEG is not merely funding companies, but
also having a close involvement in their growth as board members, advisors, strategists and
fund-raisers.
Kotak Realty Fund

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

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[ CITATION LCg03 \l 1033 ] Argues that designing portfolio for a client is much more than
merely picking up securities for investment. The portfolio manager needs to understand the
psyche of his client while designing his portfolio. According to Gupta, investors in India
regard equity, debentures and company deposits as being in more or less the same risk
category and consider including all mutual funds, including all equity funds, almost as safe as
bank deposits.
[ CITATION Wgo93 \l 1033 ]Studied the ability of investors to select funds and found evidence
to support selection ability among active fund investors.
[ CITATION raj99 \l 1033 ]Has examined that, the individual investors occupy a prominent
place in the economic development of a nation. Their savings pattern needs considerable
attention. This article examines the relationship between the various stages in the life cycle of
individual investors and their investment size and their investments in risky assets, on the
basis of primary data collected from 450 individual investors. This study finds the existence
of systematic relationship among them.
[ CITATION DrM15 \l 1033 ]Investors have a lot of investment avenues to park their savings.
The risk and returns available from each of these investment avenues differ from one avenue
to another. The investors expect more returns with relatively lesser risks. In this regard, the
financial advisors and consultants offer various suggestions to the investors. The available
literature relating to the investors' attitude towards investment avenues is very little and failed
to provide a lot of information. An attempt has been made in this study to find out the main
objective of the investors in Coimbatore District towards making investments and to assess
the investors' attitude towards the investment avenues.
[ CITATION DrM16 \l 1033 ] The person dealing with the planning must know all the various
investment choices and how these can be chosen for the purpose of attaining the overall
objectives. The details of making the investment along with the various ways in which the
investment has to be maintained and managed. The expectations of the investors, their
perception towards various products/ investment avenues, their current pattern of investment
have to be understood to serve them well and also to offer better products.
[ CITATION Mge12 \l 1033 ] This study attempts to find out the significance of demographic
factors of population such as gender, age, education, occupation, income, savings and family
size over several elements of investment decisions like priorities based on characteristics of
investments, period of investment, reach of information source, frequency of investment and
analytical abilities. The study was made by conducting a survey in Nagapattinam district of
Tamilnadu, South India and the statistical inferences were deduced using computer software
tools. The study reveals that the demographic factors have a significant influence over some
of the investment decision elements and insignificant in others elements too. The study also
discloses a general view of investor’s perception over various investment avenues.
[ CITATION Pun14 \l 1033 ] Diverse financial products have been introduced these days in
Indian market. Each of these financial products offer a range of benefits and varying
options with respect to interest rates, exposure to risk, time period of the contract, fees etc.
Most of the individuals are not able to take advantage of higher returns offered by these
products due to lack of financial awareness. Thus they must be made aware about risk and
return characteristics of these products by designing an appropriate financial education
program so that people can invest in these financial products. For designing an effective

Kotak Mahindra Bank
financial education program, current awareness level as well as investment behavior of

individuals towards financial products must be known. This paper examines the awareness
level and investment behavior of salaried individuals towards financial products. Results
of the study suggest that respondents are quite aware about traditional and safe financial
products whereas awareness level of new age financial products among the population is low.
Also majority of the respondents park their money in traditional and safe investment avenue.
[ CITATION meg14 \l 1033 ] Indian economy is one of the rapidly growing economies of the
world where more than 50% people belong to middle class and lower class, their annual
income fall up to rupees 10 lacs (acc to NCAER’s definition). Middle class population is the
key element for economic development of India. They influence demand and supply of need
and comfort products at a great extent. Their saving and investment pattern gets influenced by
their future needs, have wide scope for researchers due to greater impact on the investment
market. In this paper, researchers want to discuss about investment behavior adopted by
middle class as seeker, included both groups engaged in either service or business, whose
income exist between Rs.2,00,000 to Rs.5,00,000 per annum. The reason behind selecting the
particular income group is to find that how to manage their investment with small income
after spend their hug expenses. The study has conducted to answer few important questions
about preferences of the investment instrument as real estate, bullion, precious stones, money
market and capital market etc.
[ CITATION Dra15 \l 1033 ] Today the financial services sector has become highly diversified
offering the investor with a wide range of investment avenues. With proper investment
strategies and financial planning investor can increase personal wealth which will contribute
to higher economic growth. Economic growth is among the most vital factors affecting the
quality of life that people lead in a country. Three variables that measure the growth of an
economy are Income, Saving and Investment. In this paper miscellaneous literature existing
globally has been reconnoitered to recognize the investor's behavior. Using interpretative
approach viz., objectives, sample, research methodology and results of the study have been
taken for further enquiry. This study constructs a robust conceptual framework for the
researchers by meticulously analyzing the experimental studies on investor behaviour in
different countries. The paper exhibits that there are numerous variables that direct an
investor's decision to invest. Further, we propose an empirical study to determine the
relationship between the income, saving and investment behaviour among the IT
professionals of Bangalore. The results from the proposed study could be of great relevance
to the investors for their wealth management and to the policy makers, the investment
agencies, the researchers as well as managers of the firms to prepare themselves to respond to
the varying behaviour of the investor.
[ CITATION ama17 \l 1033 ]Impact of behavioral finance in investment decisions and strategies
– A fresh approach, has mentioned that emotions and cognitive errors influence investors in
the decision making process. Various causes that lead to behavioral finance are anchoring,
over-confidence, herd behavior, over and under reaction and loss aversion. Behavioral
finance offers many useful insights for investment professionals and thus provides a
framework for evaluating active investment strategies for the investors.

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4. PROBLEM STATEMENT

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[ CITATION Kpa15 \l 1033 ] The development of any economy depends on healthy savings and
proper allocation of capital for the developmental activities of any country. The reduction of
disposable income or increase in per-capita income will contribute to savings. The avenues of
investment and the investors’ opinion based on their preferences vary from person to person.
Liquidity and safety play a major role in the investment decision; tax exemption and other
factors are also taken into consideration. A part from the above factors, there are demographic
factors which influence the decision on investment. This article discusses the factors which
affect the investment behavior of individuals.

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5. INTRODUCTION OF THE TOPIC

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Introduction of investment:
Now-a-days a wide range of investment opportunities are available to the investor. These are
primarily bank deposits, corporate deposits, bonds, units of mutual funds, instruments under
National Savings Schemes, pension plans, insurance policies, equity shares etc. All these
instruments compete with each other for the attraction of investors. Each instrument has its
own return, risk, liquidity and safety profile. The profiles of households differ depending
upon the income-saving ratio, age of the household’s head, number of dependents etc. The
investors tend to match their needs with the features of the instrument available for
investment. They do have varying degrees of preferences for savings vehicles.
Every investor tends to keep some cash balance and maintain a certain amount in the form of
bank deposit to meet his/her transaction and precautionary needs. In the case of salaried
people, contributions to Employees Provident Fund become compulsory. Life Insurance is
widely preferred to meet situations arising out of untimely deaths of the bread earner. Besides
these needs, the surplus income (savings) awaits investment in alternative financial assets.
Investors have to take decisions relating to their investment in competing assets/ avenues. An
investor has a wide array of investment avenues.
DEFINITION OF INVESTMENT
Different thinkers interpret the word ‘Investment’ in their own ways in different periods.
However, the ideology or concept of investment is same in between them.
Some famous definitions of Investment are;
- “Sacrifice of certain present value for some uncertain future value”
-WILLIAM F. SHARPE
- “Purchase of a financial asset that produce a yield that is proportional to the risk assumed
over some future investment period”
-F. AMLING

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Types of investment:-
1. Mutual fund
2. Fixed deposit
3. Sovereign gold bond scheme
4. Kotak ASBA facility
5. Currency
6. Commodity
7. Insurance
8. Portfolio management service
9. Real estate
10. National Pension System
1. Mutual fund: A mutual fund is a type of financial vehicle made up of a pool of

money collected from many investors to invest in securities such as stocks, bonds,
money market instruments, and other assets. Mutual funds are operated by
professional money managers, who allocate the fund's assets and attempt to produce
capital gains or income for the fund's investors. A mutual fund's portfolio is structured
and maintained to match the investment objectives stated in its prospectus.
Mutual funds give small or individual investors access to professionally managed

portfolios of equities, bonds and other securities. Each shareholder, therefore,
participates proportionally in the gains or losses of the fund. Mutual funds invest in a
vast number of securities, and performance is usually tracked as the change in the
total market cap of the fund—derived by the aggregating performance of the
underlying investments.
Types of mutual fund:
1. Equity Fund: Mutual funds give small or individual investors access to

professionally managed portfolios of equities, bonds and other securities. Each
shareholder, therefore, participates proportionally in the gains or losses of the
fund. Mutual funds invest in a vast number of securities, and performance is
usually tracked as the change in the total market cap of the fund—derived by the
aggregating performance of the underlying investments.
2. Fixed-Income Funds: Another big group is the fixed income category. A fixed
income mutual fund focuses on investments that pay a set rate of return, such as
government bonds, corporate bonds, or other debt instruments. The idea is that
the fund portfolio generates interest income, which then passes on to
shareholders.

Kotak Mahindra Bank
3. Index Funds: Another group, which has become extremely popular in the last
few years, falls under the moniker "index funds." Their investment strategy is
based on the belief that it is very hard, and often expensive, to try to beat the
market consistently. So, the index fund manager buys stocks that correspond with
a major market index such as the S&P 500 or the Dow Jones Industrial Average
(DJIA). This strategy requires less research from analysts and advisors, so there
are fewer expenses to eat up returns before they are passed on to shareholders.
These funds are often designed with cost-sensitive investors in mind.
4. Balanced Funds: Balanced funds invest in both stocks and bonds to reduce the
risk of exposure to one asset class or another. Another name for this type of
mutual fund is "asset allocation fund." An investor may expect to find the
allocation of these funds among asset classes relatively unchanging, though it
will differ among funds. This fund's goal is asset appreciation with lower risk.
However, these funds carry the same risk and can be as subject to fluctuation as
other classifications of funds.
2. Fixed deposit: Fixed deposit is investment instruments offered by banks and non-
banking financial companies, where you can deposit money for a higher rate of
interest than savings accounts. You can deposit a lump sum of money in fixed deposit
for a specific period, which varies for every financier.
Once the money is invested with a reliable financier, it starts earning an interest based
on the duration of the deposit. Usually, the defining criteria for FD is that the money
cannot be withdrawn before maturity, but you may withdraw them after paying a
penalty.
3. Sovereign gold bond scheme: Sovereign Gold Bond Scheme from Kotak
Mahindra Bank are RBI issued securities which are denominated in grams of gold.
Since these are substitutes of physical gold people have to invest in these bonds in
cash and after redemption receive only cash.
4. Kotak ASBA facility: ASBA can be opened with a Self-Certified Syndicate Bank
(SCSB) as per SEBI guidelines. Not all banks are enlisted as SCSB. Kotak Mahindra Bank is
an SCSB. Also, the ASBA IPO Application form can be submitted at the bank branch, which
is designated for the purpose.
5. Currency: The foreign exchange market (forex) is the market where world
currencies are traded 24 hours a day. For some, it's simply a mechanism for changing
one currency into another, such as multinational corporations doing business in
various countries. Here are five ways for a retail investor to participate in this market.
6. Commodity: A commodity is a basic good used in commerce that is

interchangeable with other commodities of the same type. Commodities are most
often used as inputs in the production of other goods or services. The quality of a
given commodity may differ slightly, but it is essentially uniform across producers.

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When they are traded on an exchange, commodities must also meet specified
minimum standards, also known as a basis grade.
7. Insurance: Investment Plans are financial products that provide the opportunity to
create wealth for future. Life Insurance products are often used as investment
instruments. These type of saving scheme or investments offer life coverage and
returns but differ in their construct.
8. Real estate: Real estate investing involves the purchase, ownership, management,
rental and/or sale of real estate for profit. Improvement of realty property as part of a
real estate investment strategy is generally considered to be a sub-specialty of real
estate investing called real estate development.
9. Portfolio management service: Portfolio Management Services (PMS), service

offered by the Portfolio Manager, is an investment portfolio in stocks, fixed income,
debt, cash, structured products and other individual securities, managed by a
professional money manager that can potentially be tailored to meet specific
investment objectives.
10. National pension system: The National Pension Scheme allows online
investment. It is handled by the Pension Fund Regulatory and Development Authority
(PFRDA). The scheme was launched on 1st January, 2004 with a purpose of
reforming pension in India, it is the cheapest market-linked retirement plan available
in India.

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6. RESEARCH OBJECTIVE

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Objective of the study
1. A study the investment behavior toward investment in Ahmedabad

city.
2. A study perception of different age group toward investment.
3. To know the factors that are influencing investment behavior of the
people.
4. To analyzing the pattern of investment.
5. To know the mode of investment of the various investment.

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7. RESEARCH METHODOLOGY

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Research Methodology
Research Methodology is a way systematically to solve the research problem. It may be

understood as a science of studying how research is done scientifically. It is necessary for
the researcher to know not only the method or techniques but also methodology.
Research Method
Descriptive Method
Descriptive studies, primarily concerned with finding out “How is, where is and may also
give different preference according to demographic factor such as age, gender, annual
income, occupation.
Source of Data
Primary Data
Primary data has collected directly from customer through structured questionnaires.
Secondary Data
Secondary data has collected from the various magazines, journal, website of KOTAK
MAHINDRA BANK and various website.
Sampling Method
The population includes male and female customers residing in the area of Ahmedabad
with the criteria: Customers with Kotak Mahindra Bank. In this project convenience
sampling method is followed.
Sampling Size
My sample size was 100, who fulfill the basis criteria-Customers with Kotak Mahindra
Bank.
Sampling Unit
A sample unit is a single individual, who is having Kotak Mahindra Bank accounts.

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Sampling Technique
Convenience sampling method
Data Collection Method

Self-administered personal survey method used to collect necessary data, for this purpose
appropriate questionnaires were designed.
Structure of Questionnaires
The questions formulated were structured and non-disguised. The questions were asked in
order to get all the necessary information to see that the respondents could answer them
with case. This pattern adopted facilitated in analyzing the data

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8. DATA ANALYSIS

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Data analysis
 Gender
Gender Respondent Percentage

Male 67 67%
Female 33 33%
Total 100 100%
Gender
33; 33.00% mal e

fema l e
67; 67.00%
INTERPRETATION:
From the above chart 67% of the respondents are male, 33% of respondents of female. One of
the reasons could be that male are into commercial and business so the more know about the
investment.
 Age
Age Responded Percentage
20-25 20 20%
25-30 22 22%
30-35 26 26%
Above 35 32 32%
Total 100 100%

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Age
20.00% 20-25
32.00% 25-30
30-35
Above 35
22.00%
26.00%
Interpretation:
There were majority of 35 above age group 32%. By analysis conducted that more 20-25 age
concern about, being updated with the online banking. The age group of above 35 being
updated with the investment.
 Annual income
Income Responded percentage
Less than 1.5 lac 15 15%
1.5 to 3 lac 26 26%
3 to 4.5 lac 26 26%
More than 4.5 lac 33 33%
Total 100 100%
annula income
15.00% l ess than 1.5 l ac

33.00% 1.5 to 3 l a c
3 to 4.5 l a c
more than 4.5 l ac
26.00%
26.00%
Interpretation:

Kotak Mahindra Bank
There were the reason could be more income of business more he want to save, reinvest in
business, go for the other investment option. Conclude that whose income more than 4.5
lacks they were higher investment.
1. Do you plan your saving, investment & returns?
Responded Percentage
Yes 82 82%
No 18 18%
18.00%
yes
no
82.00%
Interpretation:
In the investment planning the 82% customers are plan for the investment and 18% customer
are do not plan for investment.
2. Which investment instrument among the following are you aware of? Please indicate
the level of awareness for each instrument.

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50 47
45
40
35
35 33 33
30 29
30 26 27
25 24 24 25
25 22 23 22 23
21 21 20 20 21 21
18 1920
20 17
14 15 15 15
15 12 12 12 13
11
8 9
10 6 6 6
5
0
nd it e y cy ty ce e
os em lit en di ic
l fu p h a ci rr o ran e rv
ua de sc f Cu m su s
ut e d n d S BA om In e nt
x A C
M Fi bo k ge
m
ld o ta a
go K an
i ng o
m
re i
ve ol
Se o rt
P
Not awa re Have hea rd of i t Somewhat aware Good knowl edge Expert
Interpretation:
In the chart analysis, mutual fund 25% customer has somewhat aware about this and 24%
customer has good knowledge and 21% customer expert in the mutual fund.
In fixed deposit 33% peoples has good knowledge about the investment and 23% people are
expert about this investment.
In severing gold bond scheme 47% customer has somewhat aware and second highest 20%
customer not aware about this scheme.
In kotak ASBA facility 47% customer are somewhat aware know about the investment
product and 17% customer are not aware this investment product.
In currency investment the customers are somewhat aware and good knowledge this
investment product.
In commodity (share market) the customer are same knowledge about this investment.
In insurance, investment 29% customer are expert and 23% people has good knowledge on
this product.
In the portfolio management service 33% customers have somewhat aware about this
investment product and 6% customer are expert but this is low percentages.

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3. Rank the following instrument on the basis of your preference of investment in the
particular instrument. ( 1 being the most important and 5 being the least important)
Chart Title
60
50
50 47
41 43
40
32
29 2829 29
30 262427 26
21 2222 21 23 22
20 18 17 17
15 14 15 1312 14 13
1211 10 10 11
9 9
10 5 5 5 3
0
cy
i ty
ty
t
d
e
e
ce
si
c
m
un
li
vi
od
po
rre
he
ci
ra
er
lf
m
fa
de
su
sc
Cu
ts
ua
m
BA
In
en
d
nd
ut
Co
AS
xe
M
em
bo
Fi
ag
ta
l d
Ko
an
go
m
ng
io
i
re
ol
ve
rt
Se
Po
rank 1 rank 2 rank 3 rank 4 rank 5
Interpretation: In the chart analysis, mutual fund 41% customer more important
investment. In fixed deposit has 32% customer 2nd most important investment. In
Severing gold bond scheme 50% customer give 3rd rank most important investment.
In kotak ASBA facility 43% give same rank of gold bond scheme. In currency, the
commodity and insurance have the customer give same rank and portfolio
management service 47% customer give 3rd rank of most important investment.
4. How long you have been investing your money?
Responded Percentages
Less than 1 year 13 13.1%
1-3 year 28 28.3%
3-5 year 35 35.4%
More than 5 year 23 23.2
Total 99 100%

Kotak Mahindra Bank
13.10%
23.20%
l ess than 1 year

1-3 year
28.30% 3-5 year
more than 5 year
35.40%
Interpretation: There are most of the customer are invest their money 3 to 5 year and
28% customer are invest more than 5 year in long term investment and 23% customer are
invest 1-3 year and 13% customer invest less than 1 year.
5. What percentage of your income do you invest?
5-10% 22 22%
10-15% 29 29%
15-20% 36 36%
More than 20% 13 13%
Total 100 100
13.00%
22.00%
5-10%
10-15%
15-20%
36.00% more than 20%
29.00%
Interpretation: In the investment planning more customers are invest 15-20%

income and 29% customer are invest 10-15% income in various investment facility.
6. What is your short- term goal of investment?

Kotak Mahindra Bank
Return 48 48%
Liquidity 38 38%
Risk 14 14%
total 100 100
14.00%
Return
48.00% l i qui di ty
ri sk
38.00%
Interpretation: In this analysis 48% customer’s short term goal is resave more return
form their investment and 38% customer has market liquidity easy to buy or sell.
7. What is your long-term goal of investment?
Retirement 18 18%
Children future 31 31%
Dream house 20 20%
Other 31 31%
Total 100 100
18.00%
31.00% Retirement
Chil dren future
Dream hous e
31.00% Other
20.00%

Kotak Mahindra Bank
Interpretation: In the investment planning more than 31% customer are investing
purpose is children and their other purpose. 20% customer are invest their dream
house and 18% customer are invest for retirement.
8. Your decision to invest depend upon?
Past performance 20 20%
Economic scenario 32 32%
Industry analysis 23 23%
Company name 11 11%
Credit rating 14 14%
Total 100 100
14.00% 20.00%
Past performance
11.00% Economi c s cena ri o
Industry a na lys i s
company name
Credi t rating
23.00% 32.00%
Interpretation: 32% customer decision on investment depend upon the economic

scenario and 23% customer decision depend upon the industry analysis.
9. What factor influences your investment decision?
Return 47 47%
Safety 39 39%
Tax saving 14 14%
Total 100 100

Kotak Mahindra Bank
14.44%
Return
46.67%
Safety
Tax s aving
38.89%
Interpretation: In this study the 47% customer are invest their money for more return
purpose and 39% customer will be invest for future safety.
10. What level of risk are you ready to undertaken for your investment?
Responded percentage
Less risk 56 56%
Moderate risk 18 18%
High risk 26 26%
Total 100 100
26.00%
Less ri s k
Moderate ri s k
56.00% Hi gh ri s k
18.00%
Interpretation: 56% customer can invest their money for the less risk so they are
more return and future safety.18% customer invest high risk investment scheme for
high return.

Kotak Mahindra Bank
11. How would you describe your typical attitude when making important financial
decision?
Strongly disagree 4 4%
Disagree 13 13%
Nature 46 42%
Agree 26 26%
Strongly agree 11 11%
Total 100 100
4.00%
11.00%
13.00%
Strongl y di s a gree
Di s agree
26.00% Nature
Agree
Strongl y agree
46.00%
Interpretation: 46% customer are nature for the making important financial
decision and 26% customer are agree to attitude is can affect for important financial
decision.
12. You invest in mutual fund which fund give better return?
SBI 42 42%
KOTAK 56 52%
ICICI 19 19%
AU SMALL FINANCE BANK 11 11%
HDFC 28 28%
IDBI 8 8%
Total 100 100

Kotak Mahindra Bank
Chart Title
IDBI 8
HDFC 28
AU SMALL FINANCE BANK 11
ICICI 19
KOTAK 56
SBI 42
0 10 20 30 40 50 60
Interpretation: In this analysis the 100 out of 56 customer perception is kotak

Mahindra bank give more return in mutual fund. And 100 out of 42 customer
perception is SBI is give good return in mutual fund.
13. If you invest in commodity market you proper analysis before investing?
Yes 74 74%
No 26 26%
Total 100 100
26.00%
Yes
No
74.00%
Interpretation: 74% customer are analysis before investing in the share market,
trading, gold and oil market. 26% customer are not proper analysis.

Kotak Mahindra Bank
14. Reason for investing in fixed deposit schemes?
Returns 7 7%
Risk free investment 50 50%
Flexibility to 28 28%
withdrew fund
Easy access to credit 15 15%
Total 100 100
15.00% 7.00%
Returns
Ri s k free i nvestment
Fl exi bi li ty to wi thdrew
28.00% fund
50.00% Easy a cces s to credi t
Interpretation: 50% customer invest in fixed deposit for the return and 28%
customer invest for the flexibility to withdrew fund and easy to re-invest in fixed
deposit
15. Reason for investing in kotak ASBA facility?
No loss of interest 20 20%
Return 46 46%
Multiple bidding facility 34 34%
Total 100 100

Kotak Mahindra Bank
20.00%
34.00% No l es s
Return
Mul tipl e bi ddi ng
faci li ty
46.00%
Interpretation: In the kotak ASBA facility 46% customer is invest for return
purpose. Kotak ASBA facility are work on the IPO so the customer are invest in any
company and they hold their money and wait for best offers. 34% customer are invest
for use of multiple bidding facility.

Kotak Mahindra Bank
9. Limitation of study

Kotak Mahindra Bank
Limitation of study
 Only 100 examples of responders, which includes a little example, a few respondents
falter in giving data.
 The data gave by respondents may not be dependable.
 During the information accumulation the respondents did not fill the surveys really for
example the respondents who were surrounded for the client of the Net saving money
offices. Because of this there might be variety in the outcomes acquired.
 The respondents confined themselves from noting the inquiry specified for the dread
of letting their perspectives uncovered to others.

Kotak Mahindra Bank
10.Finding

Kotak Mahindra Bank
Findings
 After the survey, it was found that most of the people are not aware about the different types
of investment.
 Some customer not aware about the kotak ASBA facility.
 Most of customer are not invest in the commodity investment because of losing the interest
rate.
 There is significant relationship between the income level & awareness of the
investments among respondents as comparatively higher income class people are
more aware about different investment avenues than respondents with lower income
class people.
 Return is the major factor while doing investments as 47% percentages of the
respondents are investing their money due to return & 53% percentages of the
respondents are investing their money in tax saving scheme for tax benefit purpose
and safety purpose.

Kotak Mahindra Bank
11. SUGGESTION/RECOMMENDATION

Kotak Mahindra Bank
RECOMMENDATIONS
 Focus on spreading awareness about the products from different mediums.
 Build a good customer relationship through greetings.
 Guide the customers nicely in a very easy manner so that they can easily to invest to
mobile app like fixed deposit.
 Kotak Mahindra Bank must organize events time to get a feedback from customer
about their development and to check their satisfaction level.

Kotak Mahindra Bank
12. Conclusion

Kotak Mahindra Bank
Conclusion
 It is observed that AGE & OCCUPATION plays an important role with respect to the
use of the investment planning. Is found that the more than 35 age are investment
planning is more than to the age group of 20-25. From this I call conclude that even
the preceding generation is becoming more & more aware of benefits & convenience
of investment. With respect to the literacy level it is observed that majority of
customers have knowledge of limited aspects of investment planning.
 Form this study I find the many customer are asking about the SIP and fixed deposit
and they asking about the interest rate of the bank given.
 The data analysis of research reveals that the return is concerned as important factor
while doing investment, so remaining avenues are less found less considerable while
doing investment by investors.
 It is needed to save what you earn, to have a plan for your future, and to resist the
spending funds that you do not already have.

Kotak Mahindra Bank
13. Bibliography and Reference

Kotak Mahindra Bank
References
References
Bhushan, P. (January 2014). INSIGHTS INTO AWARENESS LEVEL AND INVESTMENT
BEHAVIOUR. International Association of Scientific Innovation and Research, 53-57.
Dr.M.Mohana Sundari, D. (2016). PEOPLE’S PREFERENCES IN INVESTMENT BEHAVIOUR.

IJARIIE, 42-50.
jain, L. g. (17 may 2003). Indian Securities Depository System. society for capital market .
kumar, K. a. (4 Decembar 2015). A Study on Investment Preference and behaviour of Individual

Investors. Bonfring International Journal of Industrial Engineering and Management
Science, 170-174.
kumari, a. k. (july 2017). a study on impact of behavioural finance in investment decision of small
investor . international journal of management research and business strategy , 38-46.
M.geetha, M. r. (may 2012). A study on relevance of demographic factors in investment decisions.

Perspectives of Innovations, Economics & Business, 15-27.
Ms.k.j.anju, D. a. (september 2015). SAVING AND INVESTMENT BEHAVIOUR. researchgate ,

43-72.
rajarajan, p. a. (1999). investment behaviour and social changes . International Journal of Trend in
Research and Development, 27-29.
SELVI, D. (. (September 2015). Investors Attitude towards Investment Avenues. International

Journal of Management and Commerce Innovations , 717-722.
sharma, m. g. (augest 2014). A Study of Investment Behavior of Middle Income Group towards
Different Kinds of Investment Avenues. IOSR Journal of Business and Management, 01-10.
W.goetzmann, D. R. (june 1993). accounting for teste . the american financial association , 663-679.
www.kotak.com
www.sodhganga.com
www.wikipedia.com
http://www.journal.bonfring.org/papers/iems/volume5/BIJ-8122.pdf

Kotak Mahindra Bank
14. ANNEXURE

Kotak Mahindra Bank
QUESTIONNAIRE
A STUDY ON PEOPLE PERCEPTION TOWARD INVESTMENST
BACKGROUND INFORMATION:-
Name: -
Gender: - A) Male B) Female
Age : - A) 20-25
B) 25-30
C) 30-35
D) 35 Above
Qualification: - A) under graduate

B) Graduate
c) Post graduate
Annual income: - A) less than 1.5 lac

B) 1.5 lac to 3 lac
C) 3 lac to 4.5 lac
D) More than 4.5 lac
Email:-
Questions:
1. Do you plan your saving, investment & returns?

A) Yes
B) No
2. Which investment instrument among the following are you aware of? Please indicate
the level of awareness for each instrument. (Tick each option)
Instrument Not aware Have Somewhat Good Expert
heard of it aware knowledge
Mutual fund
Fixed deposit
Severeing gold bond scheme
Kotak ASBA facility
Currency
Commodity
Insurance

Kotak Mahindra Bank
Portfolio management
service
3. Rank the following instrument on the basis of your preference of investment in the
particular instrument. ( 1 being the most important and 5 being the least
important)
Instrument 1 2 3 4 5
Mutual fund
Fixed deposit
Severeing gold bond scheme
Kotak ASBA facility
Currency
Commodity
Insurance
Portfolio management service
4. How long you have been investing your money?

A) Less than 1 year
B) 1-3 year
C) 3-5 year
D) Above 5 year
5. What percentage of your income do you invest?

A) 5-10%
B) 10-15%
C) 15-20%
D) More than 20%
6. What is your short- term goal of investment?

A) Return
B) Liquidity
C) Risk
7. What is your long-term goal of investment?

Kotak Mahindra Bank
A) Retirement purpose
B) Children future
C) Dream house
D) Other ( please specify)
8. Your decision to invest depend upon.

A) Past performance
B) Economic scenario
C) Industry analysis
D) Company and analysis
E) Credit rating
9. What factor influences your investment decision?

A) Return
B) Safety
C) Tax saving
10. What level of risk are you ready to undertaken for your investment?
A) Less risk
B) Moderate risk
C) High risk
11. How would you describe your typical attitude when making important financial
decision?
A) Strongly disagree
B) Disagree
C) Nature
D) Agree
E) Strongly agree
12. You invest in mutual fund which fund give better return?
A) SBI

Kotak Mahindra Bank
B) Kotak Mahindra bank

C) ICICI
D) AU small finance bank
E) HDFC
F) IDBI
13. If you invest in commodity market you proper analysis before investing?
A) Yes
B) No
14. Reason for investing in fixed deposit schemes?

A) Returns
B) Risk free investment
C) Flexibility to withdrew fund
D) Easy access to credit
15. Reason for investing in kotak ASBA facility?

A) No loss of interest
B) Return
C) Multiple bidding facility

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