Escolar Documentos
Profissional Documentos
Cultura Documentos
Rishi548gmail.com
I Rishi kapoor, Son of shri Raj kapoor here by declared that the project entitled
which is being submitted in partial fulfillment of the requirements for the awards of
own record carried out by me under the supervision of Mr.Punish Khurana Project
Head and Senior Manager, (KOTAK BANK). The matter embodied in this project
has not been submitted so far for the award of any degree or diploma.
Rishi Kapoor
Course: PGDM
Greater Noida
(U.P)
Contents Page
Acknowledgements 2
Declaration 3
Executive Summary 6
List of Illustrations/Diagrams 7
Chapter 1: 8-34
Introduction 8
Objective 33-34
Chapter 2: 35-44
Marketing 38-40
Competitors 41-44
Chapter 3: 45-55
The service industry is one of the fastest growing sectors in India today. The
upcoming sectors, which are really showing the graph towards upwards, are Telecom,
Banking, and Insurance. These sectors really have a lot of responsibility towards the
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 project report gives an
insight about the salary account of Kotak Mahindra bank and throws the lights upon
LIST OF CHARTS/FIGURES
Name of chart/Figure Page No
Growth Story of Kotak Group 20
KOTAK SYMBOL 21
HIERARCHY OF RBI 40
How did banking originate? What activity resulted in Banking, as we know it today?
Barter
Man was, in the dawn of history, simple and self-sufficient. He lived in caves, killed
animals when hungry and he had no other wants. As time passed, men began living in
villages and started to till the ground. Often the produce of a farmers fields was more
that he required. Similarly, a fisherman often caught more than his family required. In
the ideal situation, the farmer would exchange his produce for fish with the fisherman.
This exchange is known as barter. And in the ideal world they would both be content.
However, a complication could and would arise if the farmer did not require or want
fish. If the farmer required a plough and the smith requires steel there would be
tremendous and horrendous difficulty in matching those that individuals had with that
which they needed. And it was on account of this difficulty of meeting needs that the
Money
Money was created or rather born to reduce the value of the items people had to a
fisherman would sell his fish as would the farmer for money. The farmer would then
armed with the money he has in hand purchase a plough. The fisherman with the
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10
money he has received, would buy the food he needs for his family.
The earliest form of money was bones on which marks were made to distinguish
between values. Metals then began to be used the most popular being gold, silver
and bronze. Symbols, sizes and signs on these differed from time to time and from
The term money is derived from the temple of Juno Moneta which was used by the
Banking
Banks were born to facilitate trade to lend monies to purchase goods, to store
monies and to change currencies. Banking began thousands of years ago. The
safekeeping, exchanging foreign coins and making loans mainly in connection with
trade. Temples such as those of Ephesus and Delphi were Greek banking institutions.
The Romans did not have State Banks but had minute regulations regarding private
banks. These were calculated to create utmost confidence in the system. Ancient
Rome had two types of bankers those who made loans and those who exchanged
foreign monies.
The term bank is derived from the Italian word banco which means bench. The
early bankers, the Jews of Lombard, transacted their business at benches in the market
place and later in inns and taverns. In those days if a banker failed, his banco or
bench was broken, hence the term bankrupt. Another opinion is that the term
bank evolved from the German word back meaning a joint stock fund which was
Reserve Bank
Development Banks
Foreign Banks
Cooperative Banks
The Reserve Bank of India is the Central Bank of the Country and came into being by
The bank that issues and regulates the issue of currency in India
manages the public debt. It has the obligation to transact the banking business
The bank that manages the external value of the currency (Indian
rupee)
Development Banks
These were set up to give long term finance for the development of the country.
These are the Industrial Finance Corporation of India and the Industrial Development
Bank of India, The Industrial Reconstruction Bank of India and the National Bank for
Credit and Investment Corporation of India Ltd. by a reverse merger in 2002, became
a normal commercial bank. It is expected that the other development banks, having
outlived their utility would also be either converted to commercial banks or merged
These are banks which the Government either owns or has a majority stake in.
Presidency Banks the Bank of Bengal, the Bank of Bombay and the Bank of Madras
in 1921. It was then known as the Imperial Bank. It was nationalized in 1955 by the
passing of the State Bank of India Act, 1955. It has seven subsidiaries or associates.
The other nationalized banks came into being on July 19, 1969 when Mrs. Gandhis
Government nationalized fourteen banks that had deposits of Rs. 50 crores or more.
On April 15, 1980, six more banks having demand and time liabilities of not less than
Rs.200 crores were nationalized. This was done to take banking to the villages and
Foreign Banks
The larger ones that have been operating in India for many years are Standard
Chartered Bank, Citibank, American Express Bank, ABN Amro, BNP Paribas and
competitive and margins began to squeeze coupled with large non-performing assets,
many banks closed their branches. These include Dresdner Bank, Comerz Bank, KBC
These banks are not government owned or controlled. Their shares are freely traded
New generation Banks such as HDFC Bank, IDBI Bank, UTI Bank
and ICICI Bank. Those have permitted to open provided they had a
Cooperative Banks
Cooperative Banks are those that created by a group of individuals to support either a
community or a religious group. They operate in metropolitan, urban and semi urban
In recent years these have been under a cloud on account as several (particularly in
Gujarat and Andhra Pradesh) collapsed under controversy. They were used as vehicles
These came into being on October 2, 1975 when 5 regional rural banks were
established under what became the Regional Rural Banks Act 1975. These were to
bridge the gap in rural credit granting loans and advances to small and marginal
farmers, artisans, small entrepreneurs and persons of small means engaged in trade,
Local Area Banks came into existence in 1999 and licences were given for these
banks as it was felt that regular commercial banks were not financial the rural/
agricultural sector adequately. Licences have given to open branches in three districts.
Branches in urban/ semi urban areas have granted only after ten branches were
established in rural areas/ villages. Four licences were in total granted two in
Andhra, one in Punjab and one in Gujarat. They have opened with an initial capital of
Rs. 5 crores. A Report issued in 2002 has recommended that the capital should
increased to Rs. 25 crores and that these be permitted to operate in six districts.
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
The group has a net worth of over Rs. 2,900 crores, employs around 8,800 people in
representative offices and satellite offices across 282 cities and towns in India and
offices in New York, London, Dubai and Mauritius. The Group services around 2
In October 2005, Kotak Group acquired the 40% stake in Kotak Prime held by Ford
Credit International (FCI) and FCI acquired the stake in Ford Credit Kotak Mahindra
Kotak Mahindra Bank, one of Indias leading private sector banks today announced a
major landmark opening of its 100th full fledged bank branch in Saket, New Delhi.
This is a record feat as Kotak Mahindra Bank is the only private sector bank in India
which has reached its 100th bank branch in just 4 years, a feat that none of the other
Mr. Uday S. Kotak is an Executive Vice Chairman and Managing Director at Kotak
Mahindra Bank Limited. He has been with the firm since August, 2002. Mr. Kotak is
the principal Founder and Promoter at Kotak Mahindra Finance Ltd. He is responsible
for the growth of Kotak Mahindra from a fledgling finance company to a financial
Mahindra Primus Limited. Mr. Kotak is also Director of Kotak Mahindra Bank
He is the Chairman of Kotak Securities Ltd. He is also on the board of the following
Kotak Mahindra Capital Company Limited, and OM Kotak Mahindra Life Insurance
Company Limited. Previously, he has served as Non Executive Director of Blue Star
Stock Exchange of India Ltd. Mr. Kotak, received a Post-graduate degree in Business
University
Mumbai, April 17, 2009: Kotak Mahindra Bank, one of Indias leading private banks
has bagged the Hewitt Best Employers in India award for the second time in a row.
Mr. Subhro Bhaduri Executive Vice President-HR, Kotak Mahindra Bank received the
Award. Speaking on the occasion Mr. Bhaduri said, We are indeed very proud to be
Study for the second time. Our People practices are aligned to our culture and values
and this makes Kotak Mahindra Bank a preferred employer in the industry. Through
Management practices and processes, we have been able to maintain Kotak Mahindra
eminent members from the industry and academic world. The 2009 study also
introduced new research initiatives to evaluate how new dimensions such as personal
values, CSR, and workplace diversity impact human capital management for business
growth and witnessed participation from over 230 organizations. 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.
GROUP
1986: Kotak Mahindra Finance Limited starts the activity of Bill Discounting
1987: Kotak Mahindra Finance Limited enters the Lease and Hire Purchase Market.
1990: The Auto Finance division is started
1991: The Investment Banking Division is started. Takes over FICOM, one of India
Kotak Mahindra takes a significant stake in Ford Credit Kotak Mahindra Limited, for
financing Ford vehicles. The launch of Matrix Information Services Limited marks
Management Company.
2000: Kotak Mahindra ties up with Old Mutual plc. for the Life Insurance business.
Company to do so.
2004: Launches India Growth Fund, a private equity fund.
2005: Kotak Group realigns joint venture in Ford Credit; Buys Kotak Mahindra
Prime (formerly known as Kotak Mahindra Primus Limited) and sells Ford credit
SAVINGS ACCOUNTS
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
individual needs so pick the one that matches your requirements & sit back to enjoy
TERM DEPOSITS
Kotak Mahindra Bank brings you Term Deposit at highly attractive interest rates
Ease and convenience of operation not a Kotak Bank customer and wish to apply for
deposit.
If you are an existing customer, you can place a term deposit through Phone Banking
or Net Banking. What's more, you can even renew this deposit by placing an
instruction over phone. Needless to mention, he can do all this and more by walking
Liquidity through overdraft or sweep-in facility your deposit will be available to you
should you need them in case of an emergency. You can avail up to 85% overdraft
against your term by paying 2% above your deposit rate. This facility is available for
deposits above Rs.50,000 for a tenure of 181 days or more. You can also choose to
link your term deposit to your savings / current account, whereby if need be, your
encased, you will earn interest at the rate prevailing on the date of deposit for the
withdrawn amount.
Nomination facility available You can avail this facility for each & every account that
you open with us i.e. nominate different persons for different term deposit accounts.
You can choose to change the nominee through a declaration in the appropriate form
In case you are availing the 2-Way-Sweep feature, nomination, if any, made by you in
respect of the savings / current account for which you are availing this feature will be
DEMAT ACCOUNT
We offer streamlined, efficient depository services that allow you to hold your shares
in convenient, "demat" formats and leverage opportunities in the stock market when
Dedicated and trained Customer Care Officer to handle and answer all your
queries.
Highly competitive service charges. For the current charges on our demat
services
Three in one account Demat, Trading, Bank have all in one account. For
details
Demat account that can hold Equity shares as well as Government Securities,
Bonds etc.
Kotak Mahindra Old Mutual Life Insurance is a 74:26 joint venture between Kotak
Mahindra Bank Ltd. and Old Mutual plc. Kotak Mahindra Old Mutual Life Insurance
is one of the fastest growing insurance companies in India and has shown remarkable
Old Mutual, a company with 160 years experience in life insurance, is an international
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 customers, this joint venture translates into a company that
MUTAL FUND
subsidiary of KMBL, is the Asset Manager for Kotak Mahindra Mutual Fund
(KMMF). KMAMC started operations in December 1998 and has over 4 Lac
varying risk - return profiles and was the first fund house in the country to launch a
We are sponsored by Kotak Mahindra Bank Limited, one of India's fastest growing
banks, with a pedigree of over twenty years in the Indian Financial Markets. Kotak
Mahindra Asset Management Co. Ltd., a wholly owned subsidiary of the bank, is our
Investment Manager.
We made a humble beginning in the Mutual Fund space with the launch of our first
services suiting the diverse and varying needs and risk-return profiles of our investors.
CAR FINANCE
and retail customers.The Company offers car financing in the form of loans for the
Inventory funding to car dealers and has entered into strategic arrangement with
HOME LOAN
Why are home loans the best way to materialize your dream? The reasons are simple
and straight-forward. The decision to buy a home is one of the biggest financial
decisions that an individual takes. There are many concerns that an individual
grapples with while considering his requirements, because a home often truly
represents the wholeness of his personality and aspirations. Whatever the purpose of
capital appreciation, or a source of rental income, availing a home loan is today the
loans. Importantly, we appoint a dedicated manager who takes customers through the
entire process, starting with the filling in of the application forms and culminating in
the loan disbursement process. This otherwise seemingly difficult process is made
spare that extra time from their hectic schedules, and the Bank Doorstep Service
makes the home buying process seamless and pleasurable. A relationship that is happy
from the start is extended through the attention the customer gets through his loan
Doorstep Service
Simplified Documentation
PERSONAL LOAN
Our quick and easy Personal Loans are called Jaldi Loans. Our Personal Loans help to
make a difference in your life. No matter what your financial needs are - unexpected
expenses, school fees, wedding in the family, home improvement or that long awaited
vacation. Whatever the occasion, our range of Personal Loans can help.
Avail loans from Rs.50,000 - 50 lakh*: You can avail of a loan from Rs.50,000 - 50
lakh* for any purpose based on your income and repayment capacity and fulfill all
Quick approval: With a Jaldi Loan, you are not far away from making your dreams
come true. In as less as 72 hours you can turn your dreams into reality.
Minimal paperwork & hassle free processing: Our minimal document requirements
leave you tension and hassle free. Additionally, worries are kept at bay, as no security
or collateral is required.
Flexible repayment options: Our flexible loan tenors range from 12 - 60 months for
salaried customers and 12- 36 months from businessmen / professionals, which don't
Convenience of service at your doorstep: Our Jaldi Loans are just a phone call away;
you can fix an appointment with any of representatives and they could assist you in all
Customer privileges:
If you are a Kotak Mahindra Bank account holder, we have special rates for
you.
If you are an existing Kotak Mahindra Bank Personal Loan customer with a
COMMERCIAL LOANS
FIRST Group (FG) represents the asset arm of Kotak Bank which offers a one stop
PRODUCT PORTFOLIO
Infrastructure Financing
SARAL Loans
Kotak Mahindra Bank brings you Gold Eternity, 24 Carat pure gold coins and bars,
carrying a 99.99% Assay Certification, signifying the highest level of purity as per
international standards.
quality
Kotak Gold Eternity come to you in varied denominations. You can choose
from a range of coins and bars in 5gm, 8gm, 20gm, 50 gm and 100 gm.
CURRENT ACCOUNT
At Kotak Mahindra Bank, we know how critical it is for your business to have quick
and timely access to funds. We also understand how important smooth and seamless
Objective:
given to me.
As the Kotak Mahindra Bank well reputed bank in India its great
Establishment
The Reserve Bank of India was established on April 1, 1935 in accordance with the
The Central Office of the Reserve Bank was initially established in Calcutta but was
permanently moved to Mumbai in 1937. The Central Office is where the Governor
Though originally privately owned, since nationalization in 1949, the Reserve Bank is
Main Functions
Monetary Authority:
productive sectors.
Issuer of currency:
Issues and exchanges or destroys currency and coins not fit for circulation.
Developmental role
Related Functions
campaigns and promotions which would help in meeting the business targets and
Marketing Activation
All marketing activities done at a branch level come under branch marketing. This
may be in the form of new branch launches, branch based events, sales promotions,
merchandising, and creation of any marketing collaterals for the branches. 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
Please mention if any Special Offers like AQB waiver etc are required. (For all AQB
related offers approvals from Amit Pathak, & Amresh Mohan are necessary.)
If you need any marketing or promotion material please specify the correct quantity
Detail out planned cost break up for any sponsorship or manpower that you need for
the activity.
Give the planned promotion output in form of planned leads and conversions. We can
then match them with the actual leads and conversions post the activity.
Promotion Codes
Promotion codes are generated to track the efficiency of the activity. Marketing
Marketing Communications
Marketing Communications takes care of the creation, rollout and analysis of all
national campaigns at the brand and product level. This includes doing various brand
and product campaigns as well as researches to monitor the growth of the brand and
the campaign deliveries. This department also takes care of creative conceptualization
and rollout of all regional requests (events, promotions, contests, campaigns) Central
marketing also provides support to both the product team and the branches in terms of
Please fill in the creative brief with all relevant details which will help us to
understand your requirements and design appropriate collaterals for you. Please
ensure that the creative brief is filled in detail so that the creative team gets an
Post campaign you are requested to send the details of the leads captured / business
All regional requests need to be routed through the respective Regional Marketing
COMPETITORS
HDFC BANK
The Housing Development Finance Corporation Limited (HDFC) was amongst the
first to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set
up a bank in the private sector, as part of the RBI's liberalisation of the Indian
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Banking Industry in 1994. The bank was incorporated in August 1994 in the name of
'HDFC Bank Limited', with its registered office in Mumbai, India. HDFC Bank
ICICI BANK
ICICI Bank is India's second-largest bank with total assets of Rs. 3,793.01 billion
(US$ 75 billion) at March 31, 2009 and profit after tax Rs. 37.58 billion for the year
ended March 31, 2009. The Bank has a network of 1,471 branches and about 4,721
ATMs in India and presence in 18 countries. ICICI Bank offers a wide range of
banking products and financial services to corporate and retail customers through a
variety of delivery channels and through its specialized subsidiaries and affiliates in
the areas of investment banking, life and non-life insurance, venture capital and asset
management.
SBI BANK
century with the establishment of the Bank of Calcutta in Calcutta on 2 June 1806.
Three years later the bank received its charter and was re-designed as the Bank of
Bengal (2 January 1809). A unique institution, it was the first joint-stock bank of
British India sponsored by the Government of Bengal. The Bank of Bombay (15 April
1840) and the Bank of Madras (1 July 1843) followed the Bank of Bengal. These
three banks remained at the apex of modern banking in India till their amalgamation
Primarily Anglo-Indian creations, the three presidency banks came into existence
either as a result of the compulsions of imperial finance or by the felt needs of local
European commerce and were not imposed from outside in an arbitrary manner to
modernize India's economy. Their evolution was, however, shaped by ideas culled
from similar developments in Europe and England, and was influenced by changes
occurring in the structure of both the local trading environment and those in the
relations of the Indian economy to the economy of Europe and the global economic
framework.
AXIS BANK
Axis Bank was the first of the new private banks to have begun operations in 1994,
after the Government of India allowed new private banks to be established. The Bank
Trust of India (UTI - I), Life Insurance Corporation of India (LIC) and General
Insurance Corporation of India (GIC) and other four PSU insurance companies, i.e.
National Insurance Company Ltd., The New India Assurance Company Ltd., The
Oriental Insurance Company Ltd. and United India Insurance Company Ltd.
The Bank today is capitalized to the extent of Rs. 359.76 crores with the public
The Bank's Registered Office is at Ahmedabad and its Central Office is located at
Mumbai. The Bank has a very wide network of more than 853 branches and
Extension Counters (as on 30th June 2009). The Bank has a network of over 3723
ATMs (as on 30th June 2009) providing 24 hrs a day banking convenience to its
The Bank has strengths in both retail and corporate banking and is committed to
EDGE Privileges
You need a savings avenue that makes the most of your hard-earned money. We offer
you the Kotak Edge Salary Account, armed with Kotak ActivMoney and our entire
gamut of Banking Privileges. The feature rich Kotak Edge Salary Account is the ideal
Activ Money
Your Kotak Edge Salary Your Kotak Ace Salary Account combines liquidity of a
Savings Account with the attractive returns of a Term Deposit through the unique
Kotak Advantages
Your Ace Salary account comes to you with a host of advantages that are aimed at
Kotak Mahindra Bank's At-par cheques are treated as 'local clearing' cheques
across select locations in the country. The At-par Cheque facility comes to you
'free' of charge. You can now save DD making charges while enjoying the
convenience of a cheque.
'free of charge' for you. Only a nominal charge is levied for non-branch
locations.
With this facility you can save on Demand Draft making/couriering charges
This service enables you to make your Utility Bill payments like electricity,
Ace Privileges
As an Ace Savings customer, you can also open a Demat Account with us
free of charge.
account which helps you to manage the official reimbursements, petty cash
etc., this facility specifically will help you eliminate cash handling related to
petty expenses
Your Ace account allows you to now extend the Kotak banking experience to
three of your family members. The Family Savings Accounts come to you
with a host of benefits like Kotak ActivMoney, At-par Cheque facility and
other attractive features. So now even your dear ones can enjoy banking the
'Kotak way'!
Your savings account will be provided a link to your online trading account
with Kotak securities to enable your to transfer funds from your bank account
to your account with KS and vice versa". And with our Payment Gateway
directly.
Avail a free Investment Account that provides you a consolidated view of all
view' of your Mutual Fund portfolio, listing the NAV of each scheme invested
your investments, helping you monitor, manage and grow your wealth in the
Convenience Banking
A host of Convenience Banking facilities allow you to access your account anytime,
anywhere.
Access your account free of cost at any VISA ATM in India or abroad using
your Global Debit Card. You can use your Debit Card at all VISA affiliated
Phone Banking
Dial our 24 hour Toll Free number 1800 116022 (North India) OR 1800
226022 (Rest of India) from anywhere and our customer Care Officer will
Net Banking
advantage of the Internet to bank from home, office or anywhere in the world
Use this service to access your bank account anywhere, anytime! It is quick
and easy, available to you 24X7 and its absolutely free! You dont have to pay
any charge to avail this service. You can use Mobile Banking to check account
balance, last 3 transaction details, issued cheque status and request a cheque
book. You can use Alerts Service to get Alerts by SMS and / or email
account.
COMPETITIVE ADVANTAGE
SWOT ANALYSIS
Environmental Scan
SWOT Matrix
STRENGTHS
1. The Kotak Mahindra group which is one of the largest financial instiutions in
India, ever since its inception in 1986 the Kotak Mahindra group has created
2. The kotak Mahindra bank providing good personalized service to their salary
account, they give salary account according to the need of the customer.
available to sustain the growth of the company and provide better returns to
the customers.
5. Kotak Mahindra bank offers the most flexible, innovative unique products
and features such as free Global Debit Card, Active Money which surely
6. The distribution channel is amazing with a wide reach as the company has
1. The company does not spend much on marketing and it actually may be a
reason for not being a market leader among the private players.
2. The company has yet to make any significant presence in the rural sector as
3. The company has a conservative approach and they believe in steady and very
safe progress , which actually results them to be in a position where they are
4. In India the rural market and middle class society still dont have faith in
5. Kotak Mahindra bank offers have very less no of branch and ATM.
OPPORTUNITIES
1. The whole rural market is a kind of niche segment for opening of accounts,
deposits, borrowings, and insurance business. So, kotak is at par with all
other private companies and the its an equal competition for all, there is an
opportunity to make a mark and be the first among the private bank and
business as well increase its distribution channel whole over the world by
using the goodwill of the group companies and they can even target the
3. The good showing at the stock markets and growing Indian economy
THREATS
1. The rural India and middle class India still do not have faith in private players.
2. The Kotak Mahindra bank is competing with private companies, which are
3. Now a days every cost is very important feature for Kotak, bank should
reason for not being a market leader among the private players.
2. The company has yet to make any significant presence in the rural sector
3. The company has a conservative approach and they believe in steady and
they are behind some of the more aggressive market players like ICICI
4. In India the rural market and middle class society still dont have faith in
The kotak mahindra bank is competing with private companies which are spending
Our main objective was to find out that customer are satisfy with their salary account
or not. The main problem was how they use banking service. On which area bank
need improvement. The accountholder is happy with the services provided by bank.
To get all information a thorough planning had to be done, so I first started with
designing the questionnaire for the clients whom I was going to target and to know
about their investment pattern. The main things to be known from the clients were:
4. area of improvement
Research Methodology:
Research Methodology is the basic framework, which provides guidelines for the rest
of the research process and a way to systematically solve the research problem. It is a
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map or a blue print according to which the research is to be conducted. The research
Type of Research
Research type for this project includes surveys and fact-finding enquiries of different
Research Requirement
A research design is master plan specifying the methods and procedures for collecting
and analyzing the needed information. Here is our project we adopted the descriptive
Research instrument
There is various way of research instrument of collecting primary data, the various
methods are:-
1. Questionnaires.
2. Psychological tools.
3. Mechanical Devices.
4. Qualitative Measures.
technique to find out the various information about the clients such as their turnover,
chartered accountant, investment behaviors, who is their financial consultant etc. And
this was the technique which I felt the best way to extract information about the client.
Sampling Plan
Like in many marketing research project where making a census study of the entire
information from the market place. However the success of the sample truly
Sample size
Data collection is an elaborate process in which researcher makes a planned search for
all relevant information. Here in this project we have used both the primary and
secondary data.
Pen 2 Print
Books
Q2. Do you have any other product of Kotak Mahindra Bank except Salary Account
(like Term Deposit, Demat Account, Insurance, Mutual Fund, Home loan, Personal
offering?
According the survey people are satisfied with their salary account
Salary account customer do not have third party product like Term
Salary account customer are not satisfy with the service of bank and
The customer of Kotak Mahindra Bank is highly satisfy with the product and
service of the bank means bank have done good work on that.
The very first thing that Kotak Mahindra Bank required to increase the
infrastructure means bank need to open new branches across the india.
Now Kotak Mahindra Bank is well known brand in the financial market so
Apart from premier banking Kotak Mahindra Bank have to increase the reach
Urban market is saturated now bank have to focus on to the rural market
Websites visited:
www.kotak.com
www.rbi.org.in
www.google.com
www.icicibank.com
www.hewittasia.com
MAGAZINES:
BUSINESS TODAY
1 How do you find the salary account provided by Kotak Mahindra Bank?
2 Do you have any other product of Kotak Mahindra Bank except Salary
Account (like Term Deposit, Demat Account, Insurance, Mutual Fund,
Home loan, Personal loan, car loan, etc)?
(a) Yes (b) No
(a)Yes (b) No
8 Suggestions:
...
NAME :...
COMPANY :
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CELL NO. :
SIGNATURE :