PROJECT REPORT

ON

“A STUDY OF COMPARATIVE ANALYIS OF KOTAK MAHINDRA BANK WITH

ITS COMPETITOR’S”

Submitted In Partial Fulfilment

of the requirement for the award of the Degree of

MASTERS OF BUSINESS ADMINISTRATION

By

Viresh Soni

22MBA00324

Under The Supervision Of

Faculty Name

Submitted To
 SCHOOL OF MANAGEMENT

SIR PADAMPAT SINGHANIA UNIVERSITY

UDAIPUR – 313601, RAJASTHAN INDIA

 CERTIFICATE OF COMPLETION BY THE INSTITUTE

"This is to certify that this Project Report Titled "A Study of comparative Analysis of Kotak
Mahindra Bank with its Competitor’s" of student was administrated out under my
supervision. I also certify further, that to the most effective of my knowledge the work
reported herein doesn’t form part of the other project report or dissertation supported which a
degree or award was conferred on an earlier occasion on this or the other candidate.

Rating of Project Report [A/B/C/D/E]:________

(A-Excellent, B-Good; C-Average; D-Poor, E-Worst)
(By Faculty Guide)

Signature of the Faculty Guide/s

(Name and Designation of Guide/s)

Signature of Principal/Director with Stamp of Institute

(Name of Principal / Director)
 DECLARATION

I, Viresh Soni hereby declare that the Project Report on “A STUDY OF COMPARATIVE
ANALYIS OF KOTAK MAHINDRA BANK WITH ITS COMPETITOR’S” submitted
by me is my original work carried out during 15 th March, 2023 to 25th March, 2023.

STUDENT NAME – VIRESH SONI

(22MBA00324)

Date:

PREFACE
Being a student of MBA we feel glad to present this report on “Kotak Mahindra Bank”.
According to the syllabus introduced by the university each student opted for MBA course
has got to undergo training from any business unit and must prepare a close report of the
company. The project so done should contain information of assorted departments of the
company. The most purpose behind the preparation is to get the sensible experience of the
topic.

Project Report in MBA course helps students in practically applying their theoretical
knowledge.

We have tried to place in better of our effort in preparing this report on "Kotak Mahindra
Bank" Errors and mistakes are a part of human life and few errors might need crept during
this report.
 ACKNOWLEDGEMENT

Its is our great pleasure to present this report before you. The presentation of this report on
Kotak Mahindra Bank LTD, rely on such a lot of people that have guided us kindly.

 First of all we are thankful to SIR PADAMPAT SINGHANIA University who

introduced this subject as part of our syllabus.

 Secondly we express our deep sense of gratitude to our guide’s Prof . Anitha Sunil
for his or her help and guidance for the preparation of this project.

 Thirdly we are thankful to all person of Kotak Mahindra Bank Ltd and a special
thanks to BRM Mr. Tushar Baraiya for admitting us in his well managed company
to complete our Project Report. We would also like to thank Tushar sir for providing
us basic information about Kotak Mahindra Ltd.

 Lastly we might like to thank each and each one who helped us directly or indirectly
in completing the project work successfully
 EXECUTIVE SUMMARY

The service industry is one every of the fastest growing sector in India today. The upcoming
sectors, which are really showing the graph toward upwards, are Banking , Telecom and
Insurance . These sector really have a lots of responsibility toward the economy . Main focus
of this report is based on of the COMPARATIVE ANALYSIS OF KOTAK
MAHINDRA WITH ITS COMPETITOR . Kotak Mahindra is one of the India’s leading
financial institutions , offering complete financial solutions that encompass every sphere of
life . From commercial banking ,to stock broking , to mutual funds , to life insurance , to
investment banking , the group caters to the financial needs of individuals and corporate .

The major add in this research project has been done with view to a research the Direct
Banking Services of Kotak Mahindra Bank with its competitors. And to know the areas
where the bank performance is lagging behind . I developed questionnaire and duly got them
filled various customers of Kotak and its competitors.

The analysis of the information so collected was the following logical to undertake . The
information was tabulated, the responses were noted and suitable tools and techniques were
applied to infer the data.
 INDEX

SRNO PARTICULAR PAGE NO.

1 Introduction
 About the industry
 About the company
 Swot analysis
 About the topic
2 Review of literature

3 Objective

4 Limitations

5 Research Methodology
 Research Objective
 Research Design
6 Data Analysis and Interpretation

7 Work done and learning from SIP

Recommendations
8

9 Conclusion

10 References

11 Annexures
 INRODUCTION

Bank generally terminology is remarked to as a financial institute or a corporation which is

permitted by the state or central government to accommodate with money by accepting
deposits, giving out loan and investing in securities.
The main role of banks is that the growth of economy by providing funds for investment. In
recent times banking sector has been undergoing a plenty of changes in terms of regulations
and effects of globalization.

These Changes have affected this sector both structurally and strategically. With the
changing Environment, many various strategies are adopted by this sector so as to stay
efficient and to surge ahead with in the global arena. One such profitable strategy is that the
process of consolidation of the banks.

There are several ways to consolidate the banking industry; the foremost common adopted by
banks is merger.
ABOUT THE INDUSTRY
ABOUT THE INDUSTRY:
By collecting deposits from individuals all over the state and making these monies accessible
for investment through loans or the purchase of assets, banks play a crucial role in the entire
national economy. The banking system is now a crucial component of any country's
economic development and is essential for ensuring the financial security of individuals,
companies, countries, and thus the entire world. In this post, we'll give an overview of the
main industry concepts, sectors, and essential features of the banking sector's business model
and trends.

A bank could be a type of financial institution that offers its clients banking and other
financial services. Banks, a segment of the financial services sector, are crucial to the
economy.

BANKING LAWS:

A legal contract between a bank and a customer is the basis of banking

law. Any entity that the bank agrees to conduct an account with or business with is
considered the customer. The following list of recognised rights and obligations includes:
The bank agrees to pay the customer's cheques up to the amount standing to the credit of the
customer's account, plus any agreed overdraft limit. The checking account balance is that the
financial position between the bank and the customer: when the account is in credit, the bank
owes the balance to the customer; when the account is overdrawn, the customer owes the
balance to the banks.

MEANING OF BANK

• A facility authorised to accept deposits and issue loans may be referred to as a bank. In
addition, banks may offer financial services including safe deposit boxes, currency exchange,
and wealth management. Banks are typically subject to regulation by the national government
or financial institution.

 Banks play a huge role in the economy since they provide essential services to both
consumers and companies. They provide you with a safe place to save your cash as
 they are financial service providers. Additionally, you'll be able to earn interest on
your investment and save money.

• The bank lends the cash you deposit there to other people for long-term debt, such as auto
loans, credit card debt, mortgages, and other debt instruments. This procedure aids in the
market's increased liquidity, which generates income.

TYPE OF BANKS

1. Retail banks - Also known as personal or general banking institutions, these

banks provide services to the general population. Checking and savings accounts,
loan and mortgage services, vehicle lending, and short-term loans like overdraft
protection are among services that retail banks offer. Many larger retail banks are
able to provide their consumers with services like Mastercard and foreign exchange.
Larger retail banks frequently provide high-net-worth clients specialised services like
wealth management and private banking. TD Bank and Citibank are two examples of
retail banks.

2. Corporate or commercial banks Along with routine business banking,

these banks also offer their clients trade finance, commercial land services, cash
management, credit services, and employer services. Bank of America and JPMorgan
Chase are two examples.

3. Investment banks specialize in providing corporate clients with complex

services and financial transactions like underwriting and assisting with merger and
acquisition (M&A) activity. As such, they’re known primarily as financial
intermediaries in most of those transactions. Morgan Stanley and Goldman Sachs are
samples of U.S. investment banks.
ABOUT THE COMPANY

KOTAK MAHINDRA BANK

 KOTAK MAHINDRA BANK

 The Kotak Mahindra Group was founded in 1984 and has long been regarded as one
of India's most reputable financial institutions. The Bank of India granted the group's
main company a licence to do banking activity (RBI). Since Kotak Mahindra Finance
Ltd. was the first company in India to become a bank, its approval makes banking
history. In accordance with Section 22 of the Banking Regulation Act of 1949, the
bank has secured a licence from the RBI permitting it to do banking activities.

 Mr. Uday.S. Kotak, Kotak and Company Ltd, and Mr. Sidney and A.A. Pinto formed
Kotak Capital Management Finance Ltd on November 21, 1985, and on February 11,
1986, they received a Certificate of Commencement of Business.

 Customers of the bank have access to the whole VISA network, which includes 4500
ATMs in India and 800,000 ATMs worldwide, which are accepted in more than
56,000 establishments in India and 10 million elsewhere. Additionally, the user gets
access to approximately 800 ATMs through sharing agreements with UTI Bank, 125
of which are located in the NCR.

 One of the top financial organisations in India, Kotak Mahindra provides

comprehensive financial solutions that cover all aspects of life. The organisation
meets the financial needs of consumers and businesses through commercial banking,
stock broking, mutual funds, insurance, and investment banking.
SOME OF THE IMPORTANT STEP OF KOTAK MAHINDRA
GROUP

 1986: Kotak Mahindra Finance Limited starts of Bill Discounting

 1987: Kotak Mahindra Finance Limited enters the Lease and Hire Purchase Market.

 1995: Brokerage and Distribution businesses incorporated into a separate Company -

Kotak Securities. Investment Banking division incorporated into a separate
Company- Kotak Mahindra Capital Company

 1996: The Auto Finance Business is hived off into a separate company – Kotak
Mahindra Prime Limited (formerly called as Kotak Mahindra Primus Limited). Kotak
Mahindra takes a major stake in Ford Credit Kotak Mahindra Limited, for financing
Ford vehicles.

 1998: Enters the investment trsut market with the launch of Kotak Mahindra Asset
Management Company.

 2000: The Insurance business. Kotak Securities launches its on-line broking site
(www.kotak securities.com). Commencement of personal equity activity through
fixing up of Kotak Mahindra Working Capital Fund.

 2001: Matrix sold to Friday Corporation Launches Insurance Services

 2003 : Kotak Mahindra Finance Ltd. converts to a billboard bank - the primary Indian
Company to try to do so.

 2004: Launches India Growth Fund, a personal equity fund. 2005: Kotak Group
realigns venture in Ford Credit; Buys Kotak Mahindra Prime (formerly called as
Kotak Mahindra Primus Limited) and sells Ford credit Kotak Mahindra. Launches a
true estate fund.
 STORY OF
KOTAK GROUP

The symbol of the infinite Ka reflects

our global Indian personality. The Ka
is uniquely Indian while its curve forms
the infinity sign, which is universal.
One of the basic tenets of economists is
that man's needs are unlimited. The
infinite Ka symbolises that we have
infinite number of ways to meet those
needs.

KOTAK SYMBOL
 KEY GROUP COMPANIES AND
THEIR BUSINESSES

 Kotak Securities:
One of the major brokerage and securities distribution firms in India is Kotak Securities Ltd.
Through franchisees and coordinators, Kotak Securities has established itself as one of the
top investment brokerage firms, serving the needs of both institutional and non-institutional
investor categories. Kotak Securities Ltd. provides non-institutional investors with online and
offline services that are backed by well-researched expertise and financial solutions.

 Kotak Mahindra Prime:

In order to finance the retail and wholesale trade of passenger and multi-utility
vehicles in India, Kotak Mahindra Prime Limited (KMP), formerly known as Kotak
Mahindra Primus Limited, was established. KMP provides wholesale financing to
auto dealers as well as retail financing to customers for both new and old cars.

 Kotak Mahindra Asset Management Company:

Company for Asset Management by Kotak Mahindra The asset manager for Kotak Mahindra
Mutual Fund is Kotak Mahindra Asset Management Company (KMAMC), a division of
Kotak Mahindra Bank (KMMF). More than Rs 20,800 crore worth of funds are managed by
KMMF, which also provides investment plans for investors with various risk-return profiles.
It undoubtedly was the first fund institution in the nation to introduce a specific gilt
programme that only invested in government securities.

 Kotak Mahindra Old Mutual Life Insurance Limited:

Mahindra Kotak A joint venture between Old Mutual plc and Kotak Mahindra Bank Ltd. may
be called Old Mutual Life Insurance Limited. By providing consumers with a good selection
of cutting-edge life insurance products, Kotak Life Insurance assists them in making crucial
financial decisions at every stage of life and helps them become financially independent.
 KOTAK PRODUCT LINE

 SAVINGS ACCOUNTS
Our savings accounts are made to guarantee that you benefit from quick and convenient
banking transactions as well as opportunities for your money to earn excellent returns. The
bank account serves more purposes than just serving as a place to save money. It offers a
variety of services, including the ability to transfer money online, pay bills online, and earn
attractive returns on investments. Choose the savings account that best suits your needs from
a variety of variations we have available, then relax and take in the Kotak experience.

 TEAM DEPOSITS
In addition to offering you unique features like Overdraft and Re-investment option,
Kotak Mahindra Bank also offers Term Deposit at very reasonable interest rates.
Features & Advantages Ease of use and convenience Want to use an online term deposit but
aren't a Kotak Bank customer? Customers of New To Bank can now apply for term deposits
online for the first time in India.

You have access to liquidity through overdraft or sweep-in facilities with your deposit if you
need them in case of an emergency. By paying 2% over your deposit rate, you can obtain an
overdraft against your term of up to 85%. This service is available for deposits over Rs.
50,000 with a minimum duration of 181 days.

 DEMAT ACCOUNT
We offer streamlined, effective depository services that let you carry your shares in
practical, "demat" formats and take advantage of investment opportunities as they arise. Our
services include a committed and knowledgeable customer care representative to handle and
address all of your inquiries. extremely affordable service fees. For the current costs
associated with our demat services. Demat, Trading, and Bank are all combined into one
account. for information. Access to your Demat account for nothing online
We also assist businesses with their debt needs, including those involving complicated
commercial paper, certificates of deposits, etc. We also provide a composite Demat account
that can contain both government securities and equity shares. i.e. bonds
  LIFE INSURANCE
Kotak Mahindra Old Mutual Life Insurance Ltd. Kotak Mahindra Old Mutual Life Insurance
could be a 74:26 venture between Kotak Mahindra Bank Ltd. and Old Mutual plan. Kotak
Mahindra Old Mutual Life Insurance is one among the fastest growing insurance companies
in India and has shown remarkable growth since it's inception in 2001.
Old Mutual, a corporation with 160 year’s experience in life insurance, is an gobal
financial services group listed on the London Stock Exchange and included in the FTSE 100
list of companies, with assets under management worth $ 400 Billion as on 30th June, 2006.
For patrons, this joint venture translates into a company that combines international expertise
with the understanding of the local market.

 MUTAL FUND
Limited by Kotak Mahindra Asset Management (KMAMC). Asset Manager for Kotak
Mahindra Mutual Fund is Kotak Mahindra Asset Management Company Limited
(KMAMC), a wholly owned subsidiary of KMBL (KMMF). The KMMF was the first fund
house in the nation to introduce a dedicated gilt strategy dealing exclusively in government
assets, and it offers schemes catering to clients with diverse risk-return profiles.

When we introduced our first scheme in the mutual fund industry in December 1998, we had
a modest beginning. Today, we offer a wide range of goods and services to accommodate our
investors' various needs and risk-return profiles.

We are dedicated to providing our investors with cutting-edge investment options, top-notch
services, and conveniences that will help them build wealth.
 CAR FINANCE
Kotak Mahindra Prime Limited (KMPL) could be a subsidiary of Kotak Mahindra Bank
Limited formed to finance all passenger vehicles. The corporate is devoted to financing and
supporting automotive and automotive related manufacturers, dealers and retail customers.
The Company offers car financing with in the style of loans for the entire range of passenger
cars and multi utility vehicles. The Company also offers Inventory funding to car dealers and
has entered into strategic arrangement with various car manufacturers .

 HOME LOAN
Why are house loans the best way to make your dreams come true? The explanations are
straightforward and easy to understand. One of the biggest financial decisions a person makes
is whether to look for a home. Because a home frequently actually reflects a person's
personality and objectives in its whole, there are numerous issues that a person must consider
when evaluating his needs. Obtaining a home equity credit is now the most practical and
effective approach to realise one's ambition, regardless of whether buying a home is done for
a place to live, an investment to benefit from capital gain, or a source of income.
The customer will find this normally challenging process to be easier and more convenient.
 Features & Benefits:
The key advantages of Kotak Mahindra Bank Home Loans are:

 High Eligibility for Businessmen

 Doorstep Service
 Attractive Interest Rates
 Simplified Documentation
 Insurance Options to your home loans at attractive premium
 Quicker Turnaround

 PERSONAL LOAN
Jaldi Loans are our personal loans, which are simple and quick to obtain. Our personal loans
assist in improving your life. Whatever your financial requirements may be—unexpected
costs, school costs, a family wedding, home improvements, or that long-awaited vacation—
we can help. Our selection of personal loans might be helpful for any situation. The process is
easy, there is little documentation, and approval happens quickly. Get loans between Rs.
50,000 and Rs. 50 lakh: You can apply for a loan between Rs. 50,000 and Rs. 50 lakh,
depending on your needs in terms of money and your ability to repay the loan.
Rapid approval You are only a small distance away from realising your aspirations with a
Jaldi Loan. You can realise your goals in as little as 72 hours.

 COMMERCIAL LOANS
FIRST Group (FG) represents the asset arm of Kotak Bank which offers a one stop shop for
all financial needs of customers of Transportation, Logistics, Infrastructure, and Tractor
Industries. Through our varied products, we commit ourselves to becoming "banker" to the
customer rather than being "asset financier" to our customers.
The FIRST Group's services offered include:

PRODUCT PORTFOLIO
 Commercial Vehicle Financing
 Infrastructure Financing
 Tractor and Farm Equipment Financing
 Working Capital

 GOLd
Kotak Mahindra Bank brings you Gold Eternity, 24 Carat pure gold coins and
bars. carrying a 99.99% Assay Certification, signifying the best level of purity as per
international standards.

Manufactured in Switzerland by PAMP, one of the world's premier gold

refiners and a brand recognized world wide as a guarantee of excellence and quality

 Certified by one of the top assayers in the world

 Tamper proof packaging to ensure the purity of the gold bar
 Unique number on every credit card, with records maintained in Switzerland
 Competitive pricing supported daily pricing in the international bullion
market

Kotak Gold Eternity come to you in varied denominations. You’ll be able to

choose between a spread of coins and bars in 5gm, 8gm, 20gm, 50 gm and 100 gm.

 CURRENT ACCOUNT
At Kotak Mahindra Bank, we all know how critical it’s for your business to prossess quick
and timely access to funds. We also understand how important smooth and seamless banking
transactions are for business relationships.

Our Current Accounts are designed to assist you compete effectively in the
contemporary business environment. They include a 2 Way Sweep feature that delivers
liquidity combined with higher returns
  Features and Benefits:

 Minimum Account Balance required is Nil

 2 Way Sweep for liquidity and better returns:
 Free-up country cheque collection for 13 locations
 Personalised Cheque book

KOTAK CREDIT CARDS

 FORTUNE GOLD CARD

1. INTEREST FREE CASH WITHDRAWALS ZERO CHARGE EMI

2. 2.5% FUEL SURCHARGE WAIVER
3. 0% BALANCE TRANSFER FREE FOR ALL TIMES

 TRUMP GOLD CARD

1. 10% CASH BACK ACROSS ALL RESTAURANTS

2. 10% CASH BACKON MOVIES AND PLAYS ZERO CHARGE EMI
3. 2.5% FUEL SURCHARGE WAIVER FREE FOR KEEPS

 LEAGUE PLATINUM CARD

1. EXCLUSIVE DINING BENEFITS AT THE TAJ

2. AUTO ENCASHMENT OF REWARD POINTS
3. SMS US AND THAT WE WILL REACH YOU
4. LOST OR STOLEN CARD FRAUD COVER

 ROYALE SIGNATURE CARD

1. SPECIAL CONCIERGE SERVICES TO HELP YOU

2. ENJOY GOLF PRIVILEGES WORLDWIDE
3. AUTO ENCASHMENT OF REWARD POINTS
4. LOST OR STOLEN CARD FRAUD COVER
5. EXCLUSIVE DINING BENEFITS AT THE TAI
 SWOT ANALYSIS

Strength :
1. 6% interest on saving bank a/c.
2. Exclusive offers on women a/c.
3. Comprehensive Cash Management System .
4. Has over 20,000 employees.

Weakness :
1. Less exposure in rural banking.
2. Low publicity and marketing as compared to other premium banks.

Opportunities :
1. Customers who aren’t getting good facilities from other banking.
2. Increase in Industry banking
3. Explore opportunities abroad by International banking.
4. Exploring sub-urban and rural side of the country.

Threats :
1. Competition from nationalized banks.
2. Competition from other private players who deals in mass banking .
3. Highly competitive environment.
 ABOUT THE
TOPIC

“COMPARATIVE ANALYSIS OF KOTAK MAHINDRA BANK

WITH ITS COMPETITORS’S”
“COMPARATIVE ANALYSIS OF KOTAK MAHINDRA BANK WITH
ITS COMPETITORS’S”

 MARKETING OF KOTAK :
The four departments of marketing at Kotak Mahindra
Bank are marketing communications, public relations and corporate communications,
marketing activation, and marketing operations. These divisions serve as a conduit of
advice and assistance for marketing plans and PR initiatives to enable successful
brand building through brand recognition and visibility. The objective is to implement
successful campaigns and promotions that could assist in achieving business goals
and garner media attention for the same. Branch marketing and central marketing are
the two main types of service we provide.

Marketing Activation

Marketing activities done at a branch come under branch Marketing activities. This
could be within the kind of new launches, branch events, advertisements,
merchandising. Branch centric PR & outdoor support also comes under the branch
marketing.

Promotion Documents

Promotion proposal

Please fill the promotion proposal once the branch finalizes a promotional activity.
Provide an outline of the activity that you just to undertake.
Other details like Venue, activity period needs to be filled in correctly. If you would
like any marketing or promotion material please specify the right quantity.

Branch Manager or any relevant authority has to approve the activity.

Promotion Codes

Promotion codes are generated to trace the efficiency of the activity. Marketing
generates the code once the activity is approved.
 Marketing Communications

All national campaigns are created, implemented, and evaluated by Marketing

Communications at the brand and product level. This include executing numerous
brand and product campaigns as well as doing research to track the growth of the
brand and the campaign executions. Additionally, all regional requests are
conceptualised and implemented by this department (events, promotions, contests,
campaigns) The merchandise team and the branches are both assisted by central
marketing when it comes to designing and standardising marketing materials.

Process for all Marketing Collaterals

Please complete the creative brief with any pertinent information so that we may better
understand your needs and style the proper collateral for you. Please be sure to completely fill
out the creative brief so the creative team will have a clear idea of the requirement.

All requests for a specific region must go through the appropriate regional marketing
manager for that region.
 COMPETITORS

1. HDFC BANK

As part of the Reserve Bank of India's (RBI) liberalisation of the Indian financial system, The
Housing Development Finance Corporation Limited (HDFC) was among the first to gain a
"in principle" approval from the RBI to put up a bank in the private sector.

In 1994, the banking industry. The bank was established in August 1994 under the name
"HDFC Bank Limited," and its head office is located in Mumbai, India. In January 1995,
HDFC Bank started conducting business as a Scheduled Commercial Bank.

2. ICICI Bank

With total assets of Rs. 3,793.01 trillion (US$ 75 trillion) as of March 31, 2009, ICICI Bank
is the second-largest bank in India. For the fiscal year that concluded on that date, the bank
earned a profit after taxes of Rs. 37.58 trillion. The Bank has a presence in 18 countries with
a network of 1,471 branches and 4,721 ATMs in India. Through a variety of delivery
channels, as well as through its specialised subsidiaries and affiliates within the fields of
investment banking, life and non-life insurance, working capital, and asset management,
ICICI Bank provides a broad range of banking products and financial services to corporate
and retail customers.
 3. SBI BANK

The Bank of Calcutta was founded in Calcutta on June 2, 1806; this marks the beginning of
the State Bank of India, which dates back to the first decade of the nineteenth century. The
bank was redesigned and granted its charter three years later as a result of the Bank of Bengal
(2 January 1809). It was a unique institution that served as the first joint-stock bank supported
by the Government of Bengal in British India. Following the Bank of Bengal were the Banks
of Bombay (15 April 1840) and Madras (1 July 1843). Until they merged to form the
Imperial Bank of India on January 27, 1921, these three banks represented the pinnacle of
Indian modern banking.

4. AXIS BANK

After the Government of India approved the establishment of new private banks in 1994,
Axis Bank was the first of these institutions to start operations. Together with the other four
PSU insurance companies, namely National Insurance Company Ltd., The New India
Assurance Company Ltd., The Oriental Insurance Company Ltd., and United India Insurance
Company Ltd., the Administrator of the desired undertaking of the Unit Investment Trust of
India (UTI - I), Life Insurance Corporation of India (LIC), and General Insurance
Corporation of India (GIC) promoted the Bank.

The Bank now has a capitalization of Rs. 359.76 crores, with the general public owning
57.79% of the company (excluding the promoters). Ahmedabad serves as the Bank's
registered office, and its home office

SOME OTHER COMPETITORS ARE..........

 OBJECTIVE

“Comparative Analysis of Kotak Mahindra Bank with its Competitor’s”

The following objective:

 To get proper understanding and analysis of banking industry.

 To know about brand awareness of Kotak Mahindra Bank .

 To know Customer’s satisfaction level and to access where the bank must improve.

 To get chance on behalf of me to observed different product and services launch by

other competitors.

 To study how it brings growth and development of the bank in India.

 To analysis how the capital management in bank.

LITERATURE REVIEW
Literature review
 Dr. M. Ravichandran (2016) study is mainly concentrated on the financial
performance and profitability of the banks after their merger by taking the merger of
Centurion bank of Punjab with HDFC Bank to determine the impact of merger on
performance of investment variables during pre and post-merger, to know the
financial performance of the banks after merger and to analyze the profitability of the
study unit during pre and post-merger.

 Simranjeet Singh (2015) tried to analyze whether the ICICI Bank have achieved
financial performance efficiency during post-merger period in the area of profitability,
financial leverage, liquidity and capital market standards. The main objectives are to
analyze the impact of merger of Bank of Rajasthan on the financial performance of
ICICI Bank and to analysis the impact of merger of Sangli Bank on the financial
performance of ICICI Bank . Overall it is conclude that, out of total performance
ratios of ICICI Bank half of ratios have significantly changed after mergers in both
sample cases. While other half of ratios have not significantly changed after merger,
because null hypothesis is accepted in both cases.

 Dr. (Mrs.) G.Santhiyavalli and K.Abirami(2014) focuses on pre and post-merger

financial performance of acquiring banks with the help of financial parameters like
return on equity, net interest margin, net profit, burden ratio, business per employee,
profit per employee, advance deposit ratio, investment deposit ratio and the overall
impact of mergers and acquisitions on acquiring bank. Paired t-test is used for testing
the statistical significance of the ratios of the select banks. The results of the study
indicate that the banks have been positively impacted by the event of mergers and
acquisitions. The results suggest that banks had improved efficiency and increased the
shareholders’ value through strategic mergers.
RESEARCH METHODOLOGY
 RESEARCH METHODOLOGY
Research Methodology is the fundamental framework that offers recommendations
for the rest of the research process and a methodical approach to solving the research topic. It
serves as a road plan or blueprint for how the research will be carried out. The following is
the specific research technique for the current study;

1. RESEARCH OBJECTIVE
2. RESEARCH DESIGN

 RESEARCH OBJECTIVE :
Our primary goal was to determine whether or not
customers were satisfied with their accounts. The biggest issue was with how they
used the banking services. Which areas of the bank require improvement. The
accountholder is happy with the bank's assistance. A thorough preparation process
was required to gather all the information, therefore I first began with
1. Are they happy with their bank.
2. Which channel they use
3. What kind of other product they use
4. Area of improvement

 RESEARCH DESIGN:
The fundamental structure that establishes rules
for the rest of the research process is research design. It outlines the procedures for gathering
and analysing data. We used the survey method, or more specifically, the questionnaire
approach, to gather information for this scientific study endeavour.
We surveyed people in Ahmedabad. 200 people make up our sample. To get the data,
respondents from the sample size were requested to complete the questionnaire.
The Marketing Research Process

As marketing research could be a systemic and formalized process, it follows a specific

sequence of research action. The marketing process has the following steps:

Formulating the issues:

 Developing objectives of the research

 Designing an good research plan

 Data collection techniques

 Evaluating the information and preparing a research report

There are two varieties of data collection method use in my project report.
1. Primary data

2. Secondary data.

 In our live project, we decided primary data collection method because our
study nature doesn’t permit to use observational method. In survey approach
we had selected a questionnaire method for taking a customer view because
it’s feasible from the purpose of view of our subject & survey purpose. We
conducted 200 sample of survey in our project.
 LIMITATION

Due to time restrictions, the study couldn't be made as thorough as it

may have been. Some clients find it awkward to disclose some personal details, such
as their income.

 Bank Time Restrictions

 People are still unaware of Kotak Mahindra's other products.

 The corporation doesn't have a well-known brand in the rural market.

 The business doesn't invest much in marketing initiatives.

 The middle class and rural markets in India still lack faith in private banks and
their sincerity.

To maintain a competitive edge with these businesses in terms of gaining market

shares would be a challenging undertaking given that the Kotak Mahindra Bank
competes with private corporations that spend enormous sums on marketing
DATA INTERPRETATION AND ANALYSIS
 DATA ANLAYSIS AND INTERPRETATION

Data analysis aims to bring order and structure to data by manipulating, summarizing, and
reducing it to an interpretable form. It helps to uncover the patterns in the data. Data
interpretation aims to execute and apply processes that assign meaning to these discovered
patterns by analyzing data. It draws statistical conclusions, infers the relationships and
implications

Female
GENDER
4%

Male
96%

INTERPRETATION:

We have take 200 customer responses out of that 96% are male and 4% are female customer.
INTERPRETATION:
Wetha96% are male and 4% are female.
 80
AGE
69
70 64
60
51
50
40
30
20 16
10
0
21-30 31-40 41-60 60+

INTERPRETATION:
This graph show the age categories of the customer . Out of that 41-60 age customer have the
most responses.

MONTHLY INCOME

120

100

80

60
31k-50k; 101

40
51-75k; 48
20 <30k; 32

75k-1k; 9 1k+; 10
0
<30k 31k-50k 51-75k 75k-1k 1k+
INTERPRETATION:

In this bar graph, we see that out of 200 responses we got highest 101 customer which is
belong from the category of 31k- 50k because now they are settle in there position and think
of investment.

1. Which sector bank you have account?

DO YOU HAVE ANY BANK A/C?

yes yes no
100%

INTERPRETATION:

In our survey we must know that customer have any bank a/c . 100% customer have there
bank a/c.
 2. In which bank the customer have there account?

IF YES, WHICH SECTOR BANK YOU HAVE ACCOUNT?

100
90
80
70
60
50 97
Private;
40
30
20
10
0 Public; 42
Both; 61
Private
Public
Both

INTERPRETATION:
In this graph we see that 97% customer have there private bank a/c , 42% have public a/c &
61% have both.
3. Why this bank is your Preferred Bank?

NAME OF THE BANK

70
61
59
60

50 43

40

30 26
23

20 13 14
12 11
10 5 5

0
HDFC Kotak SBI PNB ICICI BOB BOI Axis CBI IOB Canara

INTERPRETATION:
In this bar graph, we see 61% customer have on SBI banks a/c because its is
government bank. 59% customer have a/c on BOB a/c.
 4. Which is your Preferred bank?

WHICH IS YOUR PREFERRED BANK?

Canara 2
IOB 2
CBI 15
Axis 23
BOI 16
BOB 32
ICICI 15
PNB 12
SBI 35
Kotak 12
HDFC 54
0 10 20 30 40 50 60

INTERPRETATION:
In the above chat, we see that SBI have the most bank a/c but HDFC have the most preferred
bank and almost 54% of people use private a/c not public a/c . Due to there slow process.
 5. Why this bank is your Preferred bank?

WHY THIS BANK IS YOUR PREFERRED BANK?

151
160 144
140
120
98
100
80
52
60 43
30
40
20
0
Availability Nearest Customer Multiple User User
of ATM location Friendly Feature for friendly Net friendly
staff Current/ banking Mobile
Saving a/c banking

INTERPRETATION:
In this graph, we see why this customer have there preferred bank. Due to Nearest location
151% of there customer have bank a/c on SBI and HDFC bank .

6. Which facility of this bank you uses mostly / frequently?

 WHICH FACILITY THEY USES MOSTLY?
154
160 140
140
120 108

100 77
74
80
60
40 18
20
0
M up up in
g
in
g rd
AT ci k ci k nk nk tc
a
sh
p kp ba ba ed
i
Ca ec Ne
t ile C r
Ch ob
M

INTERPRETATION:
In this bar graph, we get know that 154 customer are using ATM because there
age group may be 40-60. They may don’t have much knowledge about Mobile
banking and Net banking.

7. According to you which 3 banks comes 1st in your top of mind ?

 Canara
Canara; 6

IOBIOB; 5

CBI CBI; 30

Axis Axis; 40

BOI BOI; 67

BOB BOB; 93

ICICI ICICI; 61

PNB PNB; 33

SBI SBI; 97

Kotak Kotak; 52

HDFC HDFC; 106

0 20 40 60 80 100 120

INTERPRETATION:
In this we know that HDFC have almost 80% of share market that why it is at no1 position in
the market place.
As a government bank SBI losing its position from the market because competition is
increasing day by day.
 8. Which is your preferred investment option? Rank 1 = highest , 10
lowest?

WHICH IS YOUR PREFERRED INVESTMENT?

RANK 1= HIGHEST, 10= LOWEST

100
80
60
40
Axis Title

20
0
in
g
ke
t
a te nd nce osit ver PF u re ...
v r t f u a i l / t e
Sa m
a
l Es al ur dep d/S PF en ffi
c
k a u s l P b 2
oc Re ut In ed Go /d
e
F2
3
St M Fix n d :A
Bo 223
X
t o+
Axis Title s
Po

INTERPRETATION:

Mostly people are saving there amount in some were bank because of Covid 19 or may be
they do not trade with stock market . Might be they don’t aware of it.
 9. Basis on which below mentioned factor you ranked option last
question?

Basis on which below mentioned factor you

ranked choose option one and why?
Guaranteed return 149

Safety & Security 151

Tax exemption 13

Liquidity 20

Return 94

0 20 40 60 80 100 120 140 160

INTERPRETATION:

In the previous graph we see that most of the customer are saving there money because of
there safety and security , Guaranteed return . If they start investing in stock market there
may increased in stock market and get higher return from that.
 10. Are you planning to save?

Are you planning to save?

Yes
30
%

No
70
%

Yes No

INTERPRETATION:
ALMOST 70% people don’t have planning for saving.
 11. What is your saving objective?

what is your saving objective?

All of the above All of the above; 31

Tax Saving Tax Saving; 4

Wealth Creation Wealth Creation; 16

Medical Emergency;
Medical Emergency
93

Childs education Childs education ; 32

Family's financial security Family's financial

security; 141

Retirement corpus Retirement corpus; 40

0 20 40 60 80 100 120 140 160

INTERPRETATION:
Most of the customer have saving objective for there family’s financial security it must be
due to the previous year problem .
 12. Do you think Marketing Activities by banks will change your
decision for banking?

DO you think Marketing Activities by bank will

change your decision for banking?

26%

74%

Yes No

INTERPRETATION:
74% of people think that marketing activities will change your decision toward banking.
WORK DONE AND LEARNING FROM
SIP
WORK DONE AND LEARNINF FROM SIP

The summer training is extremely important to the development of my inner abilities. My 60-
day SIP experience at Kotak Mahindra Bank was extremely educational and helpful. Being a
part of a company with so many seasoned personnel has been a brand-new experience for me.
My project effort centred on understanding how banking operates and attracts clients.

KEY INFORMATION:

• My mentor gave me a brief overview of the banking industry on the first day.

• Kotak Mahindra Bank offers interest on current accounts, which sets them apart from their
rivals.

• I gained knowledge in a variety of areas, including research and communication, problem-

solving, analytical, and quantitative skills.

• To understand the customer preference bank, we used the survey method.

RECOMMENDATION
RECOMMENDATIONS

After working in the banking industry for a short while and observing consumer
reactions. With the help of this analysis, I can confidently state that the bank has a
great deal of potential to perform well in the future. I would like to provide the
following recommendations:-

The business should pay more/closer attention to customer satisfaction because it can
help them develop positive relationships with customers that will eventually make
them more profitable.

The business should also monitor the strategies of its rivals and occasionally make
any adjustments that are necessary.

In such a cutthroat competition, the bank must persist in reducing the time between
steps and superfluous formalities to expedite the procedures.

Banks can use the franchise idea to concentrate on a particular market.

CONCULUSION
CONCLUSION

The majority of direct banking services are provided gratis by Kotak Mahindra Bank.

The majority of Kotak Mahindra Bank's clients are happy with the institution's direct banking
service.

Out of all the direct banking options, net banking is used by the majority of Kotak clients.

The majority of customers who have accounts with multiple banks use direct banking
channels to access information about their accounts, including account status.

The majority of male consumers are afraid of utilising different direct banking channels
improperly, whereas female customers are afraid of their accounts being hacked while using
direct banking channels.

I also draw the conclusion from the data that people between the ages of 20 and 30 find direct
banking convenient.
 REFERENCES

REFERENCES
In order to obtain more information regarding the present study and to
substantiate it with theoretical proof, the following references were made
Websites visited:
www.Kotak Mahindra Bank.com
www.economictimes.com
www.rbi.org.in
www.google.com
www.icicibank.com
www.bobbank.com
www.sbibank.com

Various Magazines and Newspapers such as:

 The Economic Times.
 The Times of India.
 The Hindustan Times.
 Financial Times.
ANNEXURES
 ANNEXURES

We Are MBA Student of L J University and doing survey on Indian

Banking Industry and How Marketing Activity will Help in Banking.

Name: ___________________________________________Mobile No:

___________________
Resident Area (Landmark Only) :
__________________________________________________

Age: ☐ < 20 ☐ 21-30 ☐ 31-40 ☐ 40-60 ☐ 60+ Gender: ☐ Male ☐ Female

Occupation: ☐ Salaried ☐ Businessman ☐ Housewife ☐ Professional ☐ Other

Monthly Income: ☐ <30 K ☐ 31K – 50K ☐ 51k-75K ☐ 76K-1 Lakh ☐ 1 Lakhs+

Marital Status: ☐ Single ☐ Married KIDS: ☐ 1 ☐ 2 ☐3+

Vehicle: ☐ 2W/H ☐ 4 W/H

1. Do you have any Bank A/c?

☐ Yes ☐ No

2. If Yes, In which sector bank you have account? In Which Banks?

☐ Private ☐ Public ☐ Both
Name of Bank (in Preference
Sequence) :_______________________________________________

3. Which is your Preferred Bank?

_____________________________________________________________________
________________
4. Why this bank is your Preferred Bank?

☐ Availability of ATM ☐ Nearest Location ☐ Customer Friendly staff

☐ Multiple Feature for Current/Saving A/c ☐ User Friendly Net Banking
☐ User Friendly Mobile Banking ☐ Offers & Benefits

5. Which facility of this bank you uses mostly/frequently?

☐ ATM ☐ Cash Pickup ☐ Check Pickup
☐ Net banking ☐ Mobile Banking ☐ POS
☐ Credit Card ☐ Other ____________________________________
6. Will you change your preferred bank if any other bank gives you more features,
facility and benefit?
☐ Yes ☐ No.

Why
_____________________________________________________________________
__________

7. Will you recommend your preferred banks to your friends & family?

☐ Yes ☐ No

8. According to you which 3 banks comes first in your Top of mind?

1._________________________ 2._______________________
3.________________________

9. Which is your preferred investment option? Rank according to your preferred option,
If you have more than one option. 1 = Highest, 10 = Lowest)

Saving A/C   Fixed Deposit  

Stock Market   Gold / Silver  
Real Estate   PPF/PF  
Bond/
Mutual Fund    
Debenture
Post
Insurance
  Office/NSC  

10. Basis on which below mentioned factor you ranked option one in question ?

☐ Return ☐ Liquidity ☐ Tax exemption ☐ Safety & Security

☐ Guaranteed Return ☐ Other, Specify_________

11. Are you planning to save? If yes, what is preferable period for Investment?

☐ Yes ☐ No Preferable Period: ___________________________

12. What is your saving objective?

☐ Retirement Corpus ☐ Family’s financial security ☐ Childs’

education ☐ Medical Emergency ☐ Wealth Creation ☐
Tax Saving

☐ All of the Above

13. Do you think Marketing Activities by Banks will change your Decision for banking?
☐ Yes ☐ No