Customer Review

Prompt services across products

Your service is very prompt let it be home banking, neft or call center, Keep it up.

Dr. Bhor Santosh

Pune
Use friendly Net Banking service and good customer support...
Truly I am very happy with all the services provided by Kotak Mahindra Bank like Net banking, customer support and online net

banking password generation...I thank all the staff of JMD Tower Gurgaon branch. Thanks a lot...

Sheo Shankar
Gurgaon

Kotak Mahindra Bank is one of the best bank in India, I am really very much thankful to all the employees of Kotak Mahindra

Bank's Chennai branch...

Pon Perumal K
Chennai

Use friendly Net Banking service and good customer support…

Experience of Kotak Net banking is one of the best among other bank's Net banking. Customer help in branch is another aspect

which brings a good feeling.

Satish Koolwal
Jaipur

Really I am very happy with Kotak's online banking services. It is very secure and the best service that they can provide. The

Customer service is very good and the way of handling customers by Customer care executives is really fabulous. Keep it up.

Sampath

Kotak Mahindra Bank is one of the best bank in India. I like the Net banking site of the bank as its very secure and easy to use.

Anil Mathai
Delhi

Use friendly Net Banking service and good customer support…

Kotak Net Banking is very safe to do any transaction without visiting the branch. Thank you very much!

Dhananjay Kumar Singh

Bangalore

I have never seen Net banking site like this before. This is something like one door solution for every need and very user
friendly. It is very easy to access as well as it is secure at the same time. Staffs are friendly at kormangla branch, Bangalore. Thank

you.

Sameer Singh
Bangalore

Opera branch is excellent in service and the staff are very co-operative.

Tejas Panchal
Mumbai

Use friendly Net Banking service and good customer support…

Kotak customer care services are very good and prominent with effective interaction. Also Kotak's Net banking has been the

best among other banks I have ever seen.

Riyas

For the past 3 years I am having Kotak Account. It is fabulous. Net Banking services are terrific keep up the good service.

K Sureshkumar

Its very helpful banking process. I haven't seen any problem raised in manual banking and internet banking. I want to thank to all

Kotak Team for making the banking simpler for me.

Manish Sharma
Vasant Vihar

Kotak Mahindra Bank Ltd.... Once Again in the Top 25 Best

Employers in India

Kotak Mahindra Bank Limited had participated in Hewitt’s Best Employers in India Survey for the 2nd
consecutive time and we were declared amongst the Top 25 Best Employers in India by the Outlook
Business-Hewitt Associates Study, 2009.

Hewitt’s Best Employers in India Study had started as early as October 2008. Out of several companies from
diverse business backgrounds who applied, a total of 230+ companies were invited to participate in the Best
Employers Study. The views of over 800,000 employees have been represented by over 46,000 employees
across India, making this one of the largest employee research studies conducted in the country.

As a participating organization, we went through a series of screening processes including online surveys,
documentation of our HR processes and practices, focus group discussions and an on-site audit with the HR
Team and made it to the Top 25 Best Employers in Indian once again!

In this List of Top 25, we continue to be No. 1

in ranking amongst Banking & Financial Services

Uday Kotak on importance of being a BEST EMPLOYER, "I believe people are at the heart of the true
value of a firm. This is even more true in today's fragile financial world. There will be few survivors. What
will make the difference is the quality of people we attract and retain. 'Hewitt Best Employer' status is an
important independent assessment of how good a firm and people firm we are."
From the HR Head's Desk

Subhro Bhaduri
Head HR - Kotak Mahindra Bank

Joining Kotak will mark an important event in the life of our Bank and indeed for you. We value this as a symbol
of a new relationship and are more than aware that this relationship is enveloped in hope. For us both! This step is
one towards realizing our hopes.

We have always prided ourselves on our people. We aren’t sure yet whether we find the best or whether the best
find us. But that’s a moot question when at the end of the day birds of a feather flock together.

When you join our bank, you would have agreed to uphold our heritage, light and free, natural and pleasant.

When you join us, you would have agreed to partake of an atmosphere that is:

 Apolitical. We believe corporate politicians are an insecure lot.

 Quintessentially Indian. The Indian who is capable of making a mark for himself / herself anywhere in
the world.
 Respecting of people’s capability rather than their credentials or looks. No one here is hired for their
looks! Any example otherwise is purely coincidental.
 Determined to be on the right side of the law always, whether economic, social or moral. History will
bear us out.
 Humming in self-belief. Our work is an opportunity to create miracles. Again, history will bear us out.
The Employee Value Proposition

We at Kotak pride on our work culture. In our journey towards becoming a global Indian Bank and a
preferred employer, we offer our employees a unique value proposition. We call it the FLAME and truly
believe that we have ignited the spirit within us.

Focus on Results Strongly focused on achieving our short and

long term organizational and financial goals.

Leadership An opportunity to work with industry leaders

and be one of them.

Active Involvement/ Being participative and inclusive in our

decision-making, with the responsibility to be
Inclusiveness involved in this consultative process.
An environment where employees are
M aximum Challenge constantly stretched and challenged to give
their best.

E An ability to create business opportunities and

ntrepreneurial Creativity run them as entrepreneurs, within broadly
defined parameters.

After Hours

People rarely succeed unless they have fun in what they are doing.

~ Dale Carnegie ~
We at Kotak too are highly enthused to wipe out any dull moments in the work-life of our employees.
Fun is not only one of our success factors; it is also the essence of our culture. Our specially designated
team which calls themselves CFOs (Chief Fun Officers) transforms our after hours into fun through
several initiatives like:

• Festivities & Bashes for Diwali, Christmas, Independence Day etc.

• Mass screenings of latest Bollywood and Hollywood movies
• Contests and quizzes through the year
• Family Days to encourage bonding of office colleagues with immediate family
• A well stocked in-house library
• Programs on Wellness and Health Initiatives including Yoga & Naturopathy by experts
• In-house teams of several indoor and outdoor sports and opportunities to participate in all
external & internal Corporate Sports Activities
Rewards & Benefits

Rewards @ Kotak

From the moment you are part of the Kotak family, there's no stopping your career graph. You learn to
create, innovate and add value to each operation. You grow in an environment with unlimited
possibilities. Needless to mention that when you demonstrate competence and adherence to Kotak
values, your ambitions and aspirations are also met.

Rewards at Kotak mean much more than just a pat on the back. They come in the form of:

Have you heard of the

Recognition And Career Enhancement (RACE) is once such program that is aimed at the entire Sales
force of the Bank. It is a time-bound, automatic, transparent and structured program based on
performance.
RACE - Recognition And Career Enhancement works on four basic principles of Passion, Pride,
Progress and Prosperity

• Passion to Perform
• Pride in belonging to a winning team
• Path to Progress in your Career
• Prosperity in your life through attractive rewards and growth

RACE doesn't just reward you for good work, it takes care of your career.

Be a part of the Kotak family, and RUN - the RACE of your Life!

Benefits @ Kotak

Employee well-being is obviously a governing theme at Kotak! The benefits we offer our employees are
at par with the best.

• Our Compensation packages, benchmarked with all the leading players in the industry to
ensure a well-balanced attraction of potential talent and retention of existing employees.
• We have a comprehensive medical assistance facility which covers a whole gamut of medical
expenses that employees or their families incur.
• Our responsibility towards new employees doesn't stop at salaries and compensation alone.
We offer all possible help to facilitate their settling down including a Chummery
accommodation.
• Emergency loans are provided to all employees during contingencies including marriage,
illness, death of a close family member or any other exigency.

Monetary benefits apart, we take interest in the personal well-being of our employees and that's
our DNA!

The Kotak Way Of Working...

When you join us, you would have agreed to partake of an atmosphere that is:

• Apolitical. We believe corporate politicians are an insecure lot

• Quintessentially Indian. The Indian who is capable of making a mark for himself / herself
anywhere in the world
• Respecting of people's capability rather than their credentials or looks. No one here is hired
for their looks! Any example otherwise is purely coincidental
• Determined to be on the right side of the law always, whether economic, social or moral.
History will bear us out
• Humming in self-belief. Our work is an opportunity to create miracles. Again, history will bear
us out
At Kotak Mahindra Bank, we emphasize the entrepreneurial spirit. Which means, you have to treat your
work as if it were your own business. But "with great power comes great responsibility" and some
cultural aspects we maintain close to our heart are:

• A strong ethical framework: We won't comprise on our principles and our standards for high-
growth.
• Creative brain-storming, innovation and team-work: Sure you have to take the final call, but
creative brainstorming helps you innovate, involve your team members and take the right
decision.
• Respect for the customer: We don't put up a front of "customer is the king", but actually
believe that the customer has some point of view, and it is our responsibility to listen to that
view and respond to it in the right manner.
• A positive outlook towards work and life: If this is your business, then you need to treat it as
such. We don't believe in people who come here thinking it is "just another job" or "just another
bank".

Leadership Development @ Kotak

At Kotak we believe that Leaders are made - through a dedicated mix of opportunity, grooming and empowerment.
We take great pride in our culture which encourages entrepreneurial creativity, enabling a spirit of enterprise and
performance. Our existing talent base is periodically scanned to seek out potential leaders, train them for the future
and create a steady pipe-line of potential leaders...

A Leadership progression plan identifies and charts the progression of identified employees with ample focus on
developing understanding, skills and behaviors in line with their growth in the leadership chain.

Organization Learning & Development

A little knowledge that acts is worth infinitely more than much

knowledge that is idle.
~ Kahlil Gibran ~

We believe knowledge sharing is the key to empowering people. Knowledge sharing is not about giving
people something, or getting something from them. That is only valid for information sharing. Knowledge
sharing occurs when there is a genuine interest in developing new capacities for action. It is about
creatinglearning processes.

At Kotak, training needs are identified and analyzed in close co-ordination with the business and various
types of trainings including product, process, skill-based and behavioral are part of our Organization
Learning offerings.
We also have tie-ups with various external training bodies and institutions and provide our employees
an easy access to open market programs on diverse topics through the year.

Savings Accounts
Choose 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.
Learn more about Savings Accounts:

• Ace Savings Account

• Pro Savings Account
• Edge Savings Account
• Nova Savings Account
• Classic Savings Account
• Easy Savings Account
• Corporate Salary Account

Current Accounts
Accounts 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!
Learn more about Current Accounts:

• Neo Current Account

• Edge Current Account
• Pro Current Account
• Elite Current Account
• Ace Current Account

Term Deposits
Term 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.
Learn more about Term Deposits:

• Term Deposits
• Regular Term Deposits
• Senior Citizen Deposits
• Ace Deposits
• Tax Saving Deposits

Safe Deposit Lockers

Be 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.
Learn more about Safe Deposit Lockers:

• Safe Deposit Lockers

Cards
Simple. Transparent. Powerful. Secure.
Learn more about Cards:

• Credit Cards
• Global Debit Cards
• Best Compliments Card
• Kotak netc@rd
 • Investments

Investments
We have years of experience helping people invest
At Kotak Mahindra Bank, we recognise that financial needs vary, not just amongst individuals, but across the different stages of your
life. We have years of experience in helping people put together an investment portfolio that works best for them.
Learn more about Investments:

• Mutual Funds
• Demat
• Kotak Gold Eternity
• New Pension System
• Insurance
• ASBA
 • Loans

Loans
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
 • Convenience Banking

Convenience Banking
Anywhere, Anytime Banking
In today's day and age time is money. You work hard and have a busy schedule. Doing your banking should be easy and convenient
and not add to your worries.
We at Kotak Mahindra Bank realize this and have specially tailored a wide range of value added products and services to make your
money work for you. These, coupled with the highest standard of customer care will make your life simpler and easier.

• Net Banking
View details across Accounts, Term Deposits, Demat Accounts - 24x7
• Kotak Payment Gateway
Instant, convenient and secure way of shopping and making payments online.
• Mobile Banking
Experience online banking - without a pc or internet connection.
• SMS Banking
Carry your bank on your phone!
• Alerts
Get Alerts on your mobile or by email for events that you would like to keep track of.
• Phone Banking
Our 24 hr customer service centre is at your service!
• ATM Network
Our constantly growing ATM network brings the bank within your easy reach.
History:-
2010 - 2005

•
201
o Ahmedabad Derivatives and Commodities Exchange, a
Kotak anchored enterprise, became operational as a national commodity
exchange.
•
200
o Kotak Mahindra Bank Ltd. opened a representative office
in Dubai
o Entered Ahmedabad Commodity Exchange as anchor
investor.
•
200
o Launched a Pension Fund under the New Pension System.
•
200
o Bought the 25% stake held by Goldman Sachs in Kotak
Mahindra Capital Company and Kotak Securities.
•
200
o Kotak Group realigned joint venture in Ford Credit; their
stake in Kotak Mahindra Prime was bought out (formerly known as
Kotak Mahindra Primus Ltd) and Kotak group’s stake in Ford credit
Kotak Mahindra was sold.
o Launched a real estate fund.

Senior Management
Core Kotak Mahindra Group team
Mr. Uday S. Kotak
Executive Vice Chairman and Managing Director
Mr. Uday Kotak, is the Executive Vice-Chairman and Managing Director of the Bank, and its principal founder and promoter. Mr. Kotak
is an alumnus of Jamnalal Bajaj Institute of Management Studies.
In 1985, when he was still in his early twenties, Mr Kotak thought of setting up a bank when private Indian banks were not even seen
in the game. First Kotak Capital Management Finance Ltd (which later became Kotak Mahindra Finance Ltd), and then with Kotak
Mahindra Finance Ltd, Kotak became the first non-banking finance company in India's corporate history to be converted into a bank.
Over the years, Kotak Mahindra Group grew into several areas like stock broking and investment banking to car finance, life insurance
and mutual funds.
Among the many awards to Mr Kotak's credit are the CNBC TV18 Innovator of the Year Award in 2006 and the Ernst & Young
Entrepreneur of the Year Award in 2003. He was featured as one of the Global Leaders for Tomorrow at the World Economic Forum's
annual meet at Davos in 1996. He was also featured among the Top Financial Leaders for the 21st Century by Euromoney magazine.
He was named as CNBC TV18 India Business Leader of the Year 2008 and as the most valued CEO by businessworld in 2010.

Mr. C Jayaram
Executive Director
Mr. C. Jayaram, is an Executive Director of the Bank and is currently in charge of the Wealth Management Business of the Kotak
Group. An alumnus of IIM Kolkata, he has been with the Kotak Group since 1990 and member of the Kotak board in October 1999.
He also oversees the international subsidiaries and the alternate asset management business of the group. He is the Director of the
Financial Planning Standards Board, India. He has varied experience of over 25 years in many areas of finance and business, has
built numerous businesses for the Group and was CEO of Kotak Securities Ltd. An avid player and follower of tennis, he also has a
keen interest in psephology.

Mr. Dipak Gupta

Executive Director
An electronics engineer and an alumnus of IIM Ahmedabad, Mr. Gupta has been with the Kotak Group since 1992 and joined the
board in October 1999.
He heads commercial banking, retail asset businesses and looks after group HR function. Early on, he headed the finance function
and was instrumental in the joint venture between Kotak Mahindra and Ford Credit International. He was the first CEO of the resulting
entity, Kotak Mahindra Primus Ltd.