SIP PS Kotak PDF

Kotak Mahindra Bank
A Summer Internship Project Report

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

Prof. Dr. Ankita Srivastava
In partial fulfillment of the need of the award of the Degree ofMaster of
Business Administration (MBA)
Affiliated to
Gujarat Technology University

Ahmedabad
Prepared by:
Jangid Sunil Prabhudayal
188320592043
MBA (Semester - III)
July 2019
I
Oakbrook business school
Kotak Mahindra Bank
OAKBROOK BUSINESS SCHOOL

Plot No. 225, Opp. Maharaja Hotel Lane, Jamiyatpura Road,
Sarkhej
Gandhinagar Highway PO: Jamiyatpura, Gandhinagar-382423
Gujarat-, INDIA
Student’s Declaration
I Undersigned Sunil P. Jangid a student of Oakbrook Business School MBA 3rd semester,
declare that summer internship project titled “A study on people perception toward
investment” at Kotak Mahindra Bank” is a result of my/our own work and my indebtedness
to other work publications, references, if any, have been duly acknowledged. If I found guilty
of repetition the other report or revealed data and showing as my original work, I understand
that I shall be liable and punishable by Institute or University, which may include ‘Fail’ in
examination, ‘Repeat study & re-submission of the report’ or any other punishment that
Institute or University may decide.
Enrolment Number Name Sign
188320592043 Sunil P. Jangid
Signature and Date
II
Kotak Mahindra Bank
OAKBROOK BUSINESS SCHOOL

Plot No. 225, Opp. Maharaj Hotel Lane, Jamiyatpura Road, Sarkhej
Gandhinagar Highway PO: Jamiyatpura, Gandhinagar-382423

Gujarat-, INDIA
Date: __/__/____
“This is to certify that this Summer Internship Project Report Titled “A study on people
perception toward investment at Kotak Mahindra Bank” is the bonafide work of Sunil P. Jangid
(Enrolment No.188320592043), who has carried out his / her project under my supervision. I
also certify further, that to the best of my knowledge the work report herein dose not form part
of any other project report or dissertation on the basis of that a degree or award was given on
associate degree earlier occasion on this or the other candidate.
I have also checked the plagiarism extent of this report which is ……… % and it is below
the prescribed limit of 30%. The separate plagiarism report within the type of html/pdf
file is closed in with this.
Rating of Project Report [A/B/C/D/E]: ______
(A=Excellent; B=Good; C=Average; D=Poor; E=Worst)
Signature of the Faculty Guide/s
Prof. Ankita Srivastava
Signature of Director with Stamp of Institute

Dr. Ankita Srivastava
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Kotak Mahindra Bank
Company certificate
IV
Kotak Mahindra Bank
Plagiarism report
1.
2.
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Kotak Mahindra Bank
3.
4.
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Preface
Competition is seen in the economy. Now the present scenario of the business world is quite
different form the past. Ethics, conflicts, new ideologies and energy scarcities are just the few
of characteristics that present quite different from the past.
In order to scope up in the ever changing environment, the knowledge of all aspect of business
world is a need today. M.B.A. programs and management institution offer a world manager to
the present modern business world. But only knowledge is not for the Business but successful
implementation of the knowledge the key to success.
Industrial knowledge is like a coin, which has two sides. One is theoretical and another is
practical knowledge. Both are very important for report. But in fact practical knowledge is
more important than theoretical.
Hence in order to get familiar with the practical knowledge each student is required to
implement the theoretical aspects of the subject into the practical life work. It was a purposeful
and enriching experience for me. Apart from theoretical aspect, we gained a lot of new things
about practical knowledge. I have made this project to implement the theoretical aspects of the
subject in to a practical work.
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Kotak Mahindra Bank
Acknowledgement
This project is that the outcome of sincere efforts, hard work and constant guidance of not only
Maine however a number of people. First and foremost, I would like to thanks OBS for giving
me the platform to work with such a company. I am grateful to my faculty guide prof.
Dr.Ankita Srivastava and also thanks to our director Dr. Ankita Srivastava for providing me
help and support throughout the internship period.
I owe a debt of gratitude to my company guide kinjal divate and Branch manager Garima
Rajput, Kotak Mahindra Bank, mamnagar Ahmedabad who not only gave me valuable
inputs about the industry but was a continuous source of inspiration during there tow month,
without whom this project was never such a great success.
I would also take the opportunity to thank the entire staff of Kotak Mahindra Bank,
Ahmedabad who helped and shared their knowledge about the industry fort which I am highly
grateful.
Last but not least I would like to thank all my faculty members, friends and well wishes who
have helped me directly or indirectly in the completion of the project.
Sunil P. Jangid
MBA 2018-20
OBS
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Kotak Mahindra Bank
Executive summery
It was a great opportunity for me to do an internship in Kotak Mahindra Bank.
I have done it at Kotak Mahindra bank, Darpan Branch Ahmedabad. The internship was
concerned on Digital banking inside the branch. I learn there how to customer invest in different
investment product. Customer invest in fixed deposit, mutual fund, trading, kotak ASBA
facility, etc. At the beginning of internship, I felt quite easy. But with time challenges started
coming. In the beginning, I had set several learning goals regarding the improvement of
knowledge and skills on marketing to move further.
The objective of this project was the customer how to investment in different type of investment
product and what influence affect the most their investment behavior. Most of customer invest
online like fixed deposit, mutual fund and commodity (online trading) etc.
In conclusion, the internship was a useful experience. I gained new knowledge and skills and
met several new people. I achieved many of my learning goals, however for some the condition
did not permit to achieve them as I wanted.
I got the insight of the company. Working there in the company was a great fun and gaining
experience. To prepare myself for my future career I will improve many things. I will work on
my communication skills so I’m ready to present and specific myself a lot of with confidence.
I might perform tasks in banking sector.
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Kotak Mahindra Bank
Table of content
Sr.no Particular Page No

Part 1
Cover page and title page I
Student declaration II
Company certificate III
Collage certificate IV
Turnitin Originality Report & Receipt V
Preface VII
Acknowledgement VII
Executive Summary IX
Table of Content X
Part 2
1 Industry Overview 1
2 Company Overview 14
3 Literature Review 22
4 Problem Statement 26
5 Introduction of the topic 28
6 Research Objectives 33
7 Research Methodology 35
8 Data Analysis 38
9 Limitations of Study 52
10 Findings 54
11 Recommendation 56
12 Conclusion 58
13 Bibliography and Reference 60
14 Annexure 62
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1. INDUSTRY OVERVIEW
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Introduction of Banking Industry
The Indian economy is developing as a one of the most grounded economy of the world with
the GDP development of more than 8 % consistently. A most grounded keeping money industry
is imperative in each nation and can have a huge effect in supporting monetary advancement
through productive budgetary administrations. Managing an account segment assume an
indispensable part in development and improvement of Indian economy. After progression the
managing an account industry in India under gone significant changes. The procedure of
progression and globalization has firmly affected the Indian keeping money segment. A steady
and proficient managing an account area is a fundamental precondition to build the financial
level of a nation. Advancement strategy presented in the keeping money part in India prompted
united rivalry, effective portion of assets and presenting imaginative strategies for assembling
of sparing. The capacity of banks to examine its money related position for enhancing its
aggressive position in the commercial center. Most banks in India are at present centering on
extending their administration organize. A developing Indian economy, extending their
different sections. After the proposals of Narshinham Committee report with the passage of
numerous private players. Indian keeping money industry has changed into a client situated
market. It presently comprises of numerous items and client gatherings and different channels
of conveyance. It is verifiable truth that a powerful and effective saving money framework is
essential for the long-run development and improvement of the economy. Along these lines,
there is expected to make a complete report into execution of banks in India. A Banking Sector
performs three essential capacities in economy, the task of the installment framework, the
preparation of reserve funds and the designation of sparing to speculation products.1 banking
industry has been changed after changes process.
There appears to be no consistency among the business analyst about the root of "Bank"
According to a few creators "Bank", itself is gotten from "Bancs" or "Banquet" that is a seat.
The early financiers, the Jews in Lombardy, executed their business on seats in the commercial
center, when, an investor fizzled, his 'Banco' was separated by the general population; it was
called 'Bankrupt'. This historical background is be that as it may, derided by McLeod on the
ground that "The Italian Money changers accordingly were never called Banchier in the
medieval times”. It is for the most part said that "Bank" has been begun in Italy. Amidst twelfth
century there was an extraordinary monetary emergency in Italy because of war. To meet the
war costs, the legislature of that period a constrained bought in advance on natives of the nation
at the enthusiasm of 5% for each annum. Such credits were known as 'Analyze', 'Minto' and so
forth. The most widely recognized name was "Monte'. In Germany the word 'Monte was named
as 'Bank' or 'Banked'. As indicated by a few scholars, the word 'Bank' has been gotten from the
word bank.
It is additionally said that the word 'bank' has been gotten from the word 'Banco' which implies
a seat. The Jews cash loan specialists in Italy used to execute their business sitting on seats at
various commercial centers. At the point when any of them used to neglect to meet his
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Kotak Mahindra Bank
commitments, his 'Banco' or branch or seat would be broken by the furious loan bosses. The
word 'Bankrupt' is by all accounts started from broken Banco. Since, the managing an account
framework has been begun from cash driving business; it is properly contended that the word
'Bank' has been started from "Banco'. Whatever be the birthplace of the word 'Bank' as
Professor Ram Chandra Rao says, "It would follow the historical backdrop of managing an
account in Europe from the medieval times".
Today the word bank is utilized as a far reaching term for various establishments carrying on
specific sorts of money related business. Practically speaking, the word 'Bank' implies which
gets cash from one class of individuals and again loans cash to another class of individuals for
premium or benefit.
In reality importance of bank isn't indicates in any control or act. In India, diverse individuals
have distinctive sort of importance for bank. Typical pay worker knows methods for bank that
it is a sparing establishment, for current record holder or businessperson knows bank as a
money related foundations and numerous other. Bank isn't revenue driven making, it makes
sparing action in compensation worker.
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Kotak Mahindra Bank
Meaning of Bank:
A Bank is an organization which acknowledges stores from the overall population and stretches
out advances to the family units, the organizations and the legislature. Banks are those
foundations which work in cash. In this manner, they are cash brokers, with the procedure of
advancement elements of banks are additionally expanding and broadening now, the banks are
not almost the merchants of cash, they likewise make credit. Their exercises are expanding and
enhancing. Henceforth it is exceptionally hard to give an all-around satisfactory meaning of
bank. "Keeping money business" implies the matter of getting cash on current or store account,
paying and gathering checks drawn by or paid in by clients, the making of advances to clients,
and incorporates such different business as the Authority may endorse for the motivations
behind this Act.
Definition of Bank:
Indian Banking Regulation act 1949 area 5 (1) (b) of the keeping money Regulation Act 1949
Banking is characterized as.
"Tolerating with the end goal of the arrival of speculation of stores of cash from open repayable
on request or other astute and pull back capable by checks, draft, arrange or something else".
"Bank implies a seat or table for evolving cash'.
- Greek History
"Bank is a foundation for guardianship of cash got from or on Behalf of its clients. Its basic
obligation is to pay their drafts unit. Its benefits emerge from the utilization of the cash left
utilized them".
- Oxford Dictionary
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History of Bank:
The first banks were probably the religious temples of the ancient world, and were probably
established sometime during the third millennium B.C. Banks probably predated the
invention of money. Deposits initially consisted of grain and later other goods including
cattle, agricultural implements, and eventually Precious metals such as gold, in the form of
easy to-carry compressed plates. Temples and palaces were the safest places to store gold as
they were constantly attended and well built. As sacred places, temples presented an extra
deterrent to would-be thieves. There are extant records of loans from the 18th century BC in
Babylon that were made by temple priests/monks to merchants. By the time of Hammurabi`s
Code, banking was well enough developed to justify the promulgation of laws governing
banking operations.
Ancient Greece holds further evidence of banking. Greek temples, as well as private and civic
entities, conducted financial transactions such as loans, deposits, currency exchange, and
validation of coinage. There is evidence too of credit, whereby in return for a payment from a
client, a moneylender in one Greek port would write a credit note for the client who could
"cash" the note in another City, saving the client the danger of carting coinage with him on his
journey. Pythons, who operated as a merchant banker throughout Asia Minor at the beginning
of the 5th century B.C., is the first individual banker of whom we have records. Many of the
early bankers in Greek city-states were “metics” or foreign residents.
Around the season of Adam Smith (1776) there was an enormous development in the saving
money industry. Banks assumed a key part in moving from gold and silver based coinage to
paper cash, redeemable against the bank's property. Such developing internationalization and
opportunity in money related administrations has totally changed the aggressive scene, as now
numerous banks have shown an inclination for the "all-inclusive saving money" demonstrate
pervasive in Europe. All-inclusive banks are allowed to take part in all types of monetary
administrations, make interests in customer organizations, and capacity however much as could
reasonably be expected as a "one-stop" provider of both retail and discount money related
administrations.
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History of Banking in India:
Old India
The source of keeping money in goes back to the Vedic time frame. There are rehashed
references in the Vedic writing to cash loaning which was very regular as a side business.
Afterward, amid the season of the Smites, which took after the Vedic Period and the Epic age,
keeping money turn into a full-time business and got broadened with financiers performing the
greater part of the elements of the present day. The Vaish people group, who directed saving
money business amid this period. As far back as the second or third century A.D. Manu the
considerable Hindu Jurist, committed a segment of his work to stores and propels and set down
tenets identifying with rates important to be charged. Still later, that is amid the Buddhist time
frame, managing an account business was decentralized and turned into a matter of volition.
Therefore, Brahmins and Kshatriyas, who were prior not allowed to take to managing an
account as their calling with the exception of under especially uncommon conditions, likewise
took to it as their business. Amid this period keeping money turned out to be more particular
and deliberate and bills of trade came in wide utilize. "Shrestha’s" or financiers persuasive in
the public eye and regularly went about as imperial treasurers.
Types of Banks:
In 1935, 'The State Bank of India Act, was passed, appropriately, 'The Imperial Bank of India'
was nationalized and State Bank of India developed with the goal of expansion of saving money
offices on an extensive scale, particularly country and semi – urban zone and for different of
general society purposes. In 1969, fourteen noteworthy Indian Commercial Banks were
nationalized and in 1980, six
More were included to constitute the general population area banks. Business Banks in India
are ordered in Scheduled Bank and Non Scheduled Banks. Planned Banks are including
nationalized Bank, SBI and its auxiliaries, private segment banks and remote banks. Non
Scheduled Banks are those incorporated into the second Scheduled of the RBI Act, 1934.
Booked Banks
The second booked of RBI act, make a rundown of banks which are depicted as "Planned Bank"
In the terms of segment 42 (6) of RBI act, 1934, the required sum is just Rs. 5 Lakh. The
Scheduled Banks appreciate a few benefits. It implies that planned banks conveys wellbeing
and eminence esteem contrasted with non-booked banks. It is involved to get renegotiate office
as pertinent.
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Kotak Mahindra Bank
Nationalized Banks
The nationalized banks incorporate 14 banks nationalized on nineteenth July, 1969 and the 6
more nationalized on fifteenth April, 1980. They are likewise booked banks, after this
nationalization the legislatures attempt to actualize different welfare plans.
Non Scheduled Banks
The business banks excluded in the second timetable of the RBI demonstration are known as
non-booked banks. They are not qualified for offices like renegotiate and rediscounting of bills
and so forth, from RBI. They are occupied with loaning cash reducing and gathering bills and
different organization administrations. They demand higher security for advances.
Old Private Bank
These banks all enlisted under Companies Act, 1956. Essential contrast between Co-agent bank
and Private Banks is its point. Agreeable banks work for its part and private banks are work
for claim benefit.
New Private Banks
These banks lead the market of Indian keeping money business in brief period on account of
its assortment of administrations and way to deal with handle client and furthermore as a result
of long working hours and speed of administrations. This is likewise enrolled under the
Company Act 1956. Amongst old and new private banks there is wide contrast.
Outside Banks
Outside Banks mean multi-nations bank. If there should be an occurrence of Indian remote
banks are such banks which open its branch office in India and their head office are outside of
India. E.g. HSBC Bank, City Bank, Standard Chartered Bank and so on.
Co-agent Banks
Co-agent Banks another part of the Indian save money with the sanctioning of the Co-agent
Credit Societies were satiated attributable to the expanding interest of Co-agent Credit, another
Act of the 1994, which accommodate the expanding interest of Co-agent Central banks by an
association of essential credit social orders or by an association of essential credit socialites
and people.
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Kotak Mahindra Bank
Saving money Product Portfolio:
Stores
There are numerous items in retail saving money like Fixed Deposit, Savings Account, Current
Account, Recurring Account, NRI Account, Corporate Salary Account, Free Demate Account,
Kid's Account, Senior Citizen Scheme, Check Facilities, Overdraft Facilities, Free Demand
Draft Facilities, Locker Facilities, Cash Credit Facilities, and so on. They are recorded and
clarified as takes after:
Settled Deposits
The store with the bank for a period, which is determined at the season of making the store, is
known as settled store. Such stores are otherwise called FD or term store. FD is repayable on
the expiry of a predefined period. The rate of premium and different terms and conditions on
which the banks acknowledged FD were managed by the RBI, in area 21 and 35Aof the
Banking Regulation Act 1949.Each bank has endorsed their own particular rate of premium
and has additionally allowed higher rates on stores over a predefined sum. RBI has likewise
allowed the banks to define FD conspires uniquely implied for senior resident with higher
enthusiasm than ordinary.
Sparing Accounts
Sparing ledger is intended for the general population who wish to spare a piece of their present
pay to meet their future needs and they can likewise acquire in enthusiasm on their investment
funds. The rate of premium payable on by the banks on stores kept up in investment account is
recommended by RBI.
Presently a-days the settled store is additionally connected with sparing record. At whatever
point there is abundance of adjust in sparing record it will consequently move into settled store
and if there is deficiency of assets in bank account, by issuing check the cash is exchanged
from settled store to sparing record. Distinctive banks give diverse name to this item.
Current Accounts
A present record is a functioning and running record, which might be worked upon any number
of times amid a working day. There is no limitation on the number and the measure of
withdrawals from a present record. Current record, suit the prerequisites of a major
businesspeople, business entities, establishments, open specialists and open company and so
on.
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Kotak Mahindra Bank
Repeating Deposit
A variation of the sparing bank a/c is the repeating store or aggregate store a/c presented by
banks as of late. Here, a contributor is required to store a sum picked by him. The rate of
enthusiasm on the repeating store account is higher than when contrasted with the enthusiasm
on the sparing record. Banks open such records for periods going from 1 to 10 years. There
relieving store record can be opened by any number of people, in excess of one individual
mutually or severally, by a watchman for the sake of a minor and even by a minor.
NRI Account
NRI accounts are kept up by banks in rupees and in addition in remote money. Four sorts of
Rupee record can be open in the names of NRI: Apart from this, outside cash account is the
record in remote money. The record can be open typically in US Dollar, Pound Sterling, and
Euro. The records of NRIs are Indian thousand year’s store, Resident remote cash, lodging
money plot for NRI speculation plans.
Corporate Salary account
Corporate Salary account is another item by certain private area banks, outside banks and as of
late by some open part banks moreover. Under this record compensation is kept in the record
of the workers by charging the record of boss. The main thing required is the record number of
the representatives and the sum to be paid them as pay. In specific cases the base adjust required
is zero. Every other office accessible in reserve funds a/c are additionally accessible in
corporate compensation account.
Child's Account
Kids are welcomed as client by specific banks. Under this, Account is opened for the sake of
children by guardians or gatekeepers. The highlights of child's record are free customized check
book which can be utilized as a blessing check, web managing an account, speculation
administrations and so on.
Senior Citizenship plot
Senior natives can open a record and on that record they can get loan cost fairly more than the
ordinary rate of intrigue. This is because of some social obligations of banks towards matured
people whose profit are for the most part on the loan cost.
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Credits and Advances
The fundamental business of the managing an account organization is loaning of assets to the
constituents, for the most part merchants, business and mechanical undertakings. The
significant segment of a bank's assets is utilized by method for credits and advances, which is
the most productive work of its assets. There are three fundamental standards of bank loaning
that have been trailed by the business banks and they are security, liquidity, and benefit. Banks
concede advances for various periods like here and now, medium term, and long haul and
furthermore for various reason.
Individual Loans
This is one of the significant credits gave by the banks to the people. There the borrower can
use for his/her own motivation. This might be identified with his/her business reason. The
measure of advance is relied upon the wage of the borrower and his/her ability to reimburse
the credit.
Lodging Loans
NHB is the completely claim backup of the RBI which control and manage entire industry
according to the direction and data. The reason for credit is principally for procurement,
augmentation, redesign, and arrive improvement.
Instruction Loans
Advances are given for instruction in nation and abroad.
Vehicle Loans
Advances are given for buy of bike, auto-rickshaw, auto, bicycles and so on. Low loan fees,
expanding pay levels of individuals are the variables for development in this area.
Notwithstanding for second hand auto fund is accessible.
Proficient Loans
Advances are given to specialist, C.A, Architect, Engineer or Management Consultant. Here
the credit reimbursement is ordinarily done as compared month to month.
Purchaser Durable Loans

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

Fund against shares is given by banks for various employments. Presently days back against
shares are given for the most part in demate shares. An edge of half is ordinarily acknowledged
by the reply upon showcase esteem. For these advances the records required are ordinarily DP
notes, letter of proceeding with security, vow frame, intensity of lawyer. This advance can be
utilized for business or individual reason.
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Keeping money Services
In this evolving situation, the part of banks is essential for the development and improvement
of clients and economy. Keeping money Sector is putting forth conventional and other
administration as under:
• Regular Saving and current records
• Regular settled stores
• ATM administrations
• Credit cards
• Demate cards
• Student managing an account
• Special NRI Services
• Home credit, Vehicle advance
• Tele and web managing an account
• Online exchanging
• Business duplicates A/Cs
• Insurance
• Relief securities and common reserve
• Loans against shares
• Retail keeping money
• Special store conspire
• Senior resident – exceptional store conspire
• Other offices for clients
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Web based Banking
The antecedent for the cutting edge home internet managing an account administrations
were the separation keeping money benefits over electronic media from the mid-1980s. The
term online wound up mainstream in the late '80s and alluded to the utilization of a terminal,
console and TV (or screen) to get to the saving money framework utilizing a telephone line.
'Home saving money' can likewise allude to the utilization of a numeric keypad to send
tones down a Phone line with guidelines to the bank. Online administrations began in New
York in 1981 when four of the city's significant banks (Citibank, Chase Manhattan,
Chemical and Manufacturers Hanover) offered home keeping money administrations
utilizing the videotext framework. As a result of the business disappointment of videotext
these managing an account benefits never ended up well known aside from in France where
Phone line with directions to the bank. Online administrations began in New York in 1981
when four of the city's real banks (Citibank, Chase Manhattan Chemical and Manufacturers
Hanover) offered home keeping money administrations utilizing the videotext framework.
Due to the business disappointment of videotext these managing an account benefits never
wound up prominent with the exception of in France where the utilization of videotext
(Minitel) was financed by the telecom supplier and the UK, where the Prestel framework
was utilized.
Meaning:
Web based keeping money (or Internet managing an account) enables clients to lead
monetary exchanges on a protected site worked by their retail or virtual bank, credit
association or building society.
Value-based
Playing out a money related exchange, for example, a record to account exchange, paying
a bill, wire exchange and applications apply for a credit, new record, and so forth.
• Electronic Bill Presentment and Payment – EBPP
• Funds exchange between a client's own checking and sparing records, or to another
client's record
• Investment buy or deal
• Loan applications and exchanges, for example, reimbursements of enrolments
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Kotak Mahindra Bank
Non Transactional
(e.g., online explanations, check joins, co perusing, visit)
• Bank explanations
• Financial Institution Administration
• Support of different clients having fluctuating levels of specialist
• Transaction endorsement process
• Wire exchange
Fate of Indian Banking

The Reserve Bank of India in its ‗road delineate' the saving money industry has
demonstrated that the Indian market will be opened for worldwide banks by in closer future.
It is normal that numerous remote banks would pick up section in the Indian markets to tap
the tremendous potential that exists today. These saves money with the assistance of cutting
edge innovation, sufficient capital for venture, and their client driven approach will have
the capacity to pull in the beneficial clients from the current banks. A savage rivalry
between the current banks and the new contestants is probably going to give stimulus to
business development. To successfully address the aggressive difficulties from such banks,
the Indian saving money industry should adapt and receive the worldwide prescribed
procedures, which make them more grounded and practically identical with the universal
banks.
The new outside banks entering the Indian market will make progress toward making a
solid client base. These manages an account with their expansive assets accessibility as
capital are probably going to mix the most recent IT based innovative answers for quality
money related administrations. The Indian business banks have encountered the move of
inclination of the new age clients from 'customized keeping money' to 'mechanical
managing an account'. This techno savvy client bunches wants to finish saving money
exchanges from their home or workplaces as opposed to going to the bank office. They
have almost no dependability to their financiers and given a scarcest enhanced innovation
to move their keeping money needs from the current to another bank. Even with the danger
of losing beneficial clients to the new contestants in the keeping money division, the current
business; banks should develop reasonable market systems went for pulling in the current
ones.
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2. COMPANY OVERVIEW
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Kotak Mahindra Bank
Introduction about Kotak Mahindra Bank Ltd.
Set up in 1985, the Kotak Mahindra bunch has been one of India's most rumored monetary
aggregates. In February 2003, Kotak Mahindra Finance Ltd, the gathering's leader
organization was given the permit to bear on saving money business by the Reserve Bank
of India (RBI). This endorsement made saving money history since Kotak Mahindra
Finance Ltd. is the primary non-keeping money fund organization in India to change over
itself in to a bank as Kotak Mahindra Bank Ltd. Today, the bank is one of the quickest
developing bank and among the most respected money related establishments in India.
The bank has more than 323 branches and a client account base of more than 2.7 million.
Spread all finished India, not simply in the metros but rather in Tier II urban communities
and provincial India too, it is reclassifying the span and intensity of managing an account.
By and by it is occupied with business managing an account, stock broking, shared assets,
extra security and venture saving money. It takes into account the budgetary needs of
people and corporate. The bank has a global nearness through its backups with workplaces
in London, New York, Dubai, Mauritius, San Francisco and Singapore that represent
considerable authority in giving administrations to abroad speculators looking to put into
India.
Products and Services
 The bank offers complete cash related responses for unfathomable necessities of all
individual and non-solitary customers depending upon the customer's need – passed on
through a top tier advancement arrange. Adventure things like Mutual Funds, Life
Insurance, retailing of gold coins and bars, etc. are moreover publicized. The bank takes
after a mix of both open and shut structure for spread of the endeavor things. This is
supported by strong, in-house ask about on Mutual Funds.
 He bank's venture record goes past the standard piece of assets, and empowers us to put
aside altogether something past money. The direct part of financial balance gives an
extent of organizations from stores trade, charge portions, 2-course clear through our
dynamic Money feature and extensively more. We can put standing rules for hypothesis
choices that can be saved through Internet or through phone dealing with a record
organizations. The financial balance consequently obliges appealing returns earned
through a comprehensive suite things and organizations that offer endeavor decisions,
all passed on immaculately to the customer by all around facilitated development
stages.
 Apart from Phone dealing with a record and Internet setting aside cash, the bank offers
worthwhile keeping cash office through Mobile setting aside cash, SMS organizations,
Netc@rd, Home setting aside cash and Bill Pay office among others.
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Kotak Mahindra Bank
 The Depository organizations offered by the Bank empowers the customers to hold
worth offers, government protections, bonds and various protections in electronic or
Demate shapes.
 The pay 2 wealth offering gives comprehensive administrative response for Corporate
with features, for instance, straightforward and modernized electronic pay move
process thus discarding the written word related with the system, a dedicated
relationship chief to organizations the corporate record, changed progressions and tie –
ups and various such unique part. The whole degree of endeavor things and hypothesis
cautioning organizations is open to the remuneration account holders as well.
 For the business organize, the bank offer broad business courses of action that join the
present Account, Trade Services, Cash Management Service and Credit workplaces.
The bank's markdown dealing with a record things offer business setting aside cash
answers for whole deal adventure and working capital needs, appeal on mergers and
acquisitions and rigging financing. To address remarkable issues of the natural market,
the bank has submitted business commitments for cultivating financing and
establishment. Its Agriculture Finance division passes on changed things for capital
financing and equipment financing needs of our nation customers.
 For fiscal liquidity the bank offers credits that meet individual necessities with quick
support and versatile portion decisions. To complete the individual budgetary
commitments space, the bank as of now offers Kotak Credit Card which is an issue free,
direct thing that moreover happens to be the chief vertical card in the business.
 Kotak Mahindra Bank watches out for the entire scope of cash related necessities of
Non-Resident Indians. The bank has tie-up with the abroad Indian Facilitation
Centre(OIFC) as a crucial accessory, which gives them a phase to share their careful
extent of dealing with a record and adventure things and organizations for Non Resident
Indians NRIs) and Persons of Indian Origin (PIOs). Their Online Account Opening
office and Live Chat advantage associates at the comfort of homes and at the settlement.
These commitments are especially expected to suit the abroad Indian's Personal
budgetary needs and give the overall Indians a near and dear feel.
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Kotak Mahindra Bank
Awards:
 ICAI Award – Excellence in Financial Reporting under Category 1 – saving

money Sector for the year finishing 31st March, 2010
Asia money – Best Local money Management bank 2010
IDG India-Kotak won the CIO 100 'The Agile 100' honor 2010
IDRBT
 Banking Technology Excellence Awards Best Bank Award in IT Framework and

Governance Among alternative Banks' – 2009
 Banking Technology Award for IT Governance and esteem Delivery, 2008
 IR Global Rankings – Best Corporate Governance Practices – Ranked

among the best 5 organizations in Asia Pacific, 2009
Finance Asia – Best Private Bank in India, for Wealth Management business, 2009
Kotak Royal Signature Credit Card – was picked 'Result of the Year' in a review
directed by Nielsem in 2009
 IBA Banking Technology Awards
 Best Customer Relationship Achievement – Winner 2008 &2009
 Best general victor, 2007
 Best IT Team of the Year, 4 years in succession from 2006 to 2009
 Best IT Security Policies and Practices, 2007
 Euro money – Best Private Banking Services (Overall), 2009
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Kotak Mahindra Bank
History
1985 Kotak Mahindra Finance Ltd. commences bill discounting business
1987 Enters lease and hire purchase business
1998 Kotak Mahindra Group launches India’s first gilt fund through Kotak Mahindra Asset
Management Company (KMAMC)
1990 Starts auto finance division for financing passenger car
1991 Establishes investment banking division
2001 Kotak Mahindra Group launches life insurance business, partners Old Mutual plc to from
Kotak Mahindra Old Mutual life insurance Ltd.
2003 Kotak Mahindra Finance Ltd. (KMFL), the gathering's lead organization, gets banking
permit from the Save Bank of India (RBI). With this, KMFL turns into the first non-banking
fund organization in India to be changed over into a business bank – Kotak Mahindra Bank
Ltd.
2004 Kotak Mahindra Group enters alternate assets business with the launch of a private equity
fund
2005 Kotak Mahindra Gathering realigns joint endeavor with Passage Credit; takes 100%
responsibility for Mahindra Prime (in the past known as Kotak Mahindra Primus
Constrained) and sells its stake in Portage Credit Kotak Mahindra to Portage Kotak Exchange
Resources dispatches a land subsidize
2006 Kotak Mahindra Bank buys out Goldman sachs’ equity stake in Kotak Mahindra
Capital Company and Kotak securities Ltd.
2008 Kotak Mahindra Bank opens a representative office in Dubai
2009 Kotak Mahindra Group launches a pension fund under India’s National Pension
System
(NPS)
2014 Push on computerized and social with the dispatch of imaginative arrangement – first-of-
its-kind completely incorporated social ledger – 'Jifi', and world's first bank skeptic moment
subsidizes move stage utilizing Facebook – 'KayPay'. Therefore in Jan 2015, 'Jifi Saver' – a
reserve funds financial balance with secure and consistent exchanges on well known
interpersonal organizations was propelled.
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Kotak Mahindra Bank
Kotak Mahindra Bank procures 15% value stake in Multi Ware Trade of India Constrained
(MCX) Kotak Mahindra resource The board Organization Ltd. obtains plans of Pine connect
Shared Store
2015 Reserve Bank of India (RBI) approves merger of ING Vysya Bank with Kotak Mahindra
Bank effective April 1, 2015
Kotak Mahindra General Protection Gets IRDAI Endorsement to Initiate Protection Business
2016 Kotak Mahindra Bank Acquires 10, 00,000 Equity shares of Institutional Investor
Advisory services India Limited
Kotak Mahindra Bank acquires 9, 83, and 82,022 (19.90%) Equity Shares of Airtel M
Commerce Services Limited Company (AMSL)
Kotak Mahindra Bank launches International Banking Unit in Gujarat International Finance
Tec-City (GIFT City), Gandhinagar, and Gujarat
Kotak Mahindra bank Acquires BSS Microfinance Private Limited
VISION OF KOTAK BANK
The Global Indian Financial services Brand
 Our clients will appreciate the benefits of managing with a worldwide Indian brand
that best gets it their needs and conveys customized down to earth arrangements
over different platforms.
 We will be a world course Indian money related administrations gather. Our
innovation and best hones will be bench-marked along worldwide lines whereas our
understanding of clients will be extraordinarily India.
 We will be more than a store of our customers’ reserve funds. We, the gather, will
be single window to each money related benefit in a customer’s universe.
 A culture of strengthening and a soul of venture draws in shinning minds with an
entrepreneurial streak to connect us and remain with us.
 Working with a domestic developed professionally overseen company, which has
associations with worldwide pioneers, gives our individuals a viewpoint that's all
inclusive as well as unique.
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Kotak Mahindra Bank
The Most Trusted Financial Services Company
 We will make an ethos of believe over all our constituents. Following to tall
benchmarks of compliance and corporate administration will be a necessarily portion
of building believe.
Value Creation
 Value creation instead of size alone are going to be our business driver.
Kotak Mahindra Bank Other Products:
Kotak Mahindra Old Mutual Life Insurance Ltd.
Kotak Mahindra Ancient Common Life Protections Ltd could be a 74:26 joint wander
between Kotak Mahindra Bank Ltd. its members and Ancient Common plc. A
Company that combines its worldwide qualities and neighborhood focal points to offer
its clients a wide extend of imaginative life protections items, making a difference them
take imperative money related choices at each organize in life and remain fiscally free.
The company over 3 million lives and is one of the quickest developing protections
companies in India.
Kotak Securities Ltd.
Kotak Securities is one in every of the most important broking homes in India with a
good geographical reach. Kotak Securities operations embrace stock broking and
distribution of assorted monetary product as well as personal and secondary
placement of debt, equity and mutual funds.
Kotak Securities operate in few main areas of business:
 Stock Broking (retail and institutional)
 Depository services
 Portfolio Management Services
 Distribution of Mutual Funds
 Distribution of Kotak Mahindra Old Mutual Life Insurance Ltd. Products
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Kotak Mahindra Bank
Kotak Mahindra General Insurance Company Ltd.
Kotak Mahindra General insurance company Ltd. may be a 100% subsidiary of Kotak
Mahindra Bank Ltd., one in every of the quickest growing banks in India. Kotak
Mahindra General non depository financial institution Ltd. was established to service
the growing non-life insurance desires of associate degree rising India, accenting on
client service, quality & innovation.
The company aims to cater to a good vary of client phase & geographical providing
associate degree array of non-life insurance product like Motor, Health, etc.
As observe, the corporate seeks to produce a differentiated worth proposition through
made-to-order product seven services investing state of art technology &digital
infrastructure.
Kotak Mahindra Capital Company (KMCC)
Kotak Mahindra Banking (KMCC) may be a full-service investment bank in India

providing a good suite of capital market and consultative solutions to leading domestic
and transnational Corporation, banks, monetary establishments and government firms.
Our administrations fathom Value seven Obligation Capital Markets, M and A

consultative, non-open Value consultative, Rebuilding and Recapitalization
administrations, Organized Money administrations and Framework consultative and
Reserve Activation.
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Kotak Mahindra Bank
3. REVIEW OF LITERATURE
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Kotak Mahindra Bank
(jain, 17 may 2003) Contends that structuring portfolio for a customer is significantly more
than just getting protections for venture. The portfolio administrator needs to comprehend the
mind of his customer while planning his portfolio. As indicated by Gupta, financial specialists
in India respect value, debentures and friends stores as being in pretty much a similar hazard
classification and consider including every single shared reserve, including all value reserves,
nearly as protected as bank stores.
(W.goetzmann, june 1993) Studied the ability of investors to select funds and found evidence
to support selection ability among active fund investors.
(rajarajan, 1999) Has inspected that, the individual financial specialists involve a noticeable
spot in the monetary improvement of a country. Their investment funds example needs
impressive consideration. This article looks at the connection between the different stages in
the existence cycle of individual speculators and their venture estimate and their interests in
hazardous resources, based on essential information gathered from 450 individual financial
specialists. This investigation finds the presence of deliberate relationship among them.
(SELVI, September 2015) Financial specialists have a ton of speculation roads to stop their
investment funds. The hazard and returns accessible from every one of these speculation roads
vary starting with one road then onto the next. The financial specialists anticipate more comes
back with moderately lesser dangers. In such manner, the money related counsels and
specialists offer different proposals to the speculators. The accessible writing identifying with
the financial specialists' frame of mind towards venture roads is next to no and neglected to
give a great deal of data. An endeavor has been made in this investigation to discover the
fundamental target of the financial specialists in Coimbatore Region towards making
speculations and to survey the speculators' mentality towards the venture roads.
(Dr.M.Mohana Sundari, 2016) The individual managing the arranging must know all the
different venture decisions and how these can be picked to accomplish the general targets. The
subtleties of making the speculation alongside the different manners by which the venture must
be kept up and oversaw. The desires for the financial specialists, their recognition towards
different items/venture roads, their present example of speculation must be comprehended to
work well for them and furthermore to offer better items.
(M.geetha, may 2012) This examination endeavors to discover the noteworthiness of statistic
variables of populace, for example, sexual orientation, age, training, occupation, salary, reserve
funds and family measure more than a few components of speculation choices like needs
dependent on attributes of ventures, time of venture, reach of data source, recurrence of venture
and scientific capacities. The examination was made by leading an overview in Nagapattinam
area of Tamilnadu, South India and the factual derivations were reasoned utilizing PC
programming devices. The examination uncovers that the statistic variables have a huge impact
over a portion of the speculation choice components and unimportant in others components as
well. The investigation likewise reveals a general perspective on financial specialist's
observation over different speculation roads.
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Kotak Mahindra Bank
(Bhushan, January 2014) Different budgetary items have been presented nowadays in Indian
market. Every one of these monetary items offer a scope of advantages and differing
alternatives as for loan costs, presentation to chance, timeframe of the agreement, charges and
so forth. The greater part of the people are not ready to exploit higher returns offered by these
items because of absence of money related mindfulness. Therefore they should be made
mindful about hazard and return qualities of these items by structuring a proper money related
instruction program with the goal that individuals can put resources into these budgetary items.
For planning a compelling money related training program, current mindfulness level just as
speculation conduct of people towards monetary items must be known. This paper analyzes the
mindfulness level and speculation conduct of salaried people towards money related items.
Consequences of the investigation recommend that respondents are very mindful about
customary and safe budgetary items while mindfulness dimension of new age money related
items among the populace is low. Likewise lion's share of the respondents park their cash in
conventional and safe venture road.
(sharma, augest 2014) Indian economy is one of the quickly developing economies of the
reality where over half individuals have a place with working class and lower class, their yearly
pay fall up to rupees 10 lacs (acc to NCAER's definition). White collar class populace is the
key component for monetary improvement of India. They impact request and supply of need
and solace items at an extraordinary degree. Their sparing and speculation example gets
affected by their future needs, have wide extension for analysts because of more prominent
effect on the venture advertise. In this paper, analysts need to examine about venture conduct
received by white collar class as searcher, included the two gatherings occupied with either
administration or business, whose pay exist between Rs.2,00,000 to Rs.5,00,000 per annum.
The explanation for choosing the specific salary gathering is to find that how to deal with their
venture with little pay after spend their embrace costs. The investigation has directed to respond
to couple of significant inquiries concerning inclinations of the speculation instrument as land,
bullion, valuable stones, currency market and capital market and so on.
(Ms.k.j.anju, september 2015) Today the money related administrations area has turned out
to be very differentiated offering the speculator with a wide scope of venture roads. With
appropriate speculation methodologies and budgetary arranging financial specialist can expand
individual riches which will add to higher monetary development. Monetary development is
among the most fundamental variables influencing the personal satisfaction that individuals
lead in a nation. Three factors that measure the development of an economy are Pay, Sparing
and Speculation. In this paper different writing existing all-inclusive has been surveyed to
perceive the financial specialist's conduct. Utilizing interpretative methodology viz., targets,
test, inquire about technique and aftereffects of the investigation have been taken for further
enquiry. This examination builds a strong reasonable structure for the analysts by carefully
investigating the exploratory investigations on financial specialist conduct in various nations.
The paper shows that there are various factors that immediate a speculator's choice to
contribute. Further, we propose an experimental examination to decide the connection between
the pay, sparing and speculation conduct among the IT experts of Bangalore. The outcomes
from the proposed investigation could be of extraordinary pertinence to the financial specialists
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Kotak Mahindra Bank
for their riches the board and to the approach producers, the venture offices, the scientists just
as directors of the organizations to set themselves up to react to the shifting conduct of the
speculator.
(kumari, july 2017) Effect of social money in venture choices and systems – A crisp
methodology, has referenced that feelings and subjective mistakes impact financial specialists
in the basic leadership process. Different makes that lead conduct fund are tying down,
presumptuousness, and crowd conduct, over and under response and misfortune revolution.
Conduct fund offers numerous helpful experiences for speculation experts and in this manner
gives a structure to assessing dynamic venture techniques for the financial specialists.
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Kotak Mahindra Bank
4. PROBLEM STATEMENT
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Kotak Mahindra Bank
The development of any economy depends on healthy savings and correct allocation of capital
for the biological process activities of any country. The reduction of financial gain {income}
or increase in per-capita income can contribute to savings. The avenues of investment and
therefore the investors’ opinion supported their preferences vary from person to person.
Liquidity and safety play a serious role within the investment decision; tax exemption and
different factors are taken into thought. A district from the higher than factors, there are a unit
demographic factors that influence the choice on investment. This text discusses the factors
that have an effect on the investment behavior of people.
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Kotak Mahindra Bank
5. INTRODUCTION OF THE TOPIC
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Introduction of investment:
Presently a-days a wide scope of speculation openings are accessible to the speculator. These
are essentially bank stores, corporate stores, securities, units of common assets, instruments
under National Reserve funds Plans, annuity plans, protection strategies, value shares and so
forth. Every one of these instruments rival each other for the fascination of financial specialists.
Each instrument has its very own arrival, hazard, liquidity and wellbeing profile. The profiles
of family units contrast contingent on the salary sparing proportion, age of the family's head,
number of wards and so on. The speculators will in general match their needs with the
highlights of the instrument accessible for venture. They do have shifting degrees of
inclinations for investment funds vehicles.
Each financial specialist will in general keep some money balance and keep up a specific sum
as bank store to meet his/her exchange and preparatory needs. On account of salaried
individuals, commitments to Representatives Fortunate Reserve become obligatory. Disaster
protection is generally wanted to meet circumstances emerging out of inauspicious passings of
the bread worker. Other than these necessities, the surplus pay (reserve funds) anticipates
interest in option monetary resources. Financial specialists need to take choices identifying
with their interest in contending resources/roads. A speculator has a wide cluster of venture
roads.
DEFINITION OF INVESTMENT
Various scholars decipher the word 'Speculation' in their own specific manners in various
periods. Be that as it may, the philosophy or idea of speculation is same in the middle of
them.
Some popular meanings of Speculation are;
- "Penance of sure gift associate incentive for a few dubious future worth"
- WILLIAM F. SHARPE
- "Buy of a cash connected resource that turn out a yield that's cherish the hazard expected
over some future speculation period"
- F. AMLING
Types of investment:-
1. Mutual fund
2. Fixed deposit
3. Sovereign gold bond scheme
4. Kotak ASBA facility
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Kotak Mahindra Bank
5. Currency
6. Commodity
7. Insurance
8. Portfolio management service
9. Real estate
10. National Pension System
1. Mutual fund: A common reserve could be a quite financial vehicle created from a
pool of cash collected from several investors to take a position in securities like stocks,
bonds, market instruments, and alternative assets. Mutual funds square measure
operated by skilled cash managers, World Health Organization portion the fund's assets
and decide to turn out capital gains or financial gain for the fund's investors. A mutual
fund's portfolio is structured and maintained to match the investment objectives
expressed in its prospectus.
Mutual funds provide small or individual investors access to professionally managed

portfolios of equities, bonds and alternative securities. Every shareowner, therefore,
participates proportionately within the gains or losses of the fund. Mutual funds invest
in a very large variety of securities, and performance is typically half-track because the
amendment within the total market cap of the fund—derived by the aggregating
performance of the underlying investments.
Types of mutual fund:
1. Equity Fund: Mutual funds provide small or individual investors access to

professionally managed portfolios of equities, bonds and alternative securities.
Every investor, therefore, participates proportionately within the gains or losses of
the fund. Mutual funds invest during a Brobdingnag Ian range of securities, and
performance is typically half-tracked because the amendment within the total
market cap of the fund—derived by the aggregating performance of the underlying
investments.
2. Fixed-Income Funds: Another huge group is that the fixed financial gain class. A
set financial gain investment trust focuses on investments that pay a collection rate
of come back, like government bonds, company bonds, or alternative debt
instruments. The thought is that the fund portfolio generates interest financial gain
that then passes on to shareholders.
3. Index Funds: Another cluster that has become extraordinarily in style within the
last few years, falls beneath the denomination "index funds." Their investment
strategy is predicated on the idea that it's terribly onerous, and infrequently high-
priced, to do to beat the market systematically. So, the mutual fund manager buys
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Kotak Mahindra Bank
stocks that correspond with a serious market index like the S&P five hundred or
the stock index Industrial Average (DJIA). This strategy needs less analysis from
analysts and advisors, therefore there are fewer expenses to eat up returns before
they're passed on to shareholders. These funds are typically designed with cost-
sensitive investors in mind.
4. Balanced Funds: Balanced funds invest in each stocks and bonds to scale back
the danger of exposure to at least one quality class or another. Another name for
this sort of mutual fund is "asset allocation fund." associate degree capitalist could
expect to find the allocation of those funds among quality categories comparatively
unchanging, the' it'll take issue among funds. This fund's goal is quality
appreciation with lower risk. However, these funds carry identical risk and might
be as subject to fluctuation as alternative classifications of funds.
2. Fixed deposit: Fixed store is venture instruments offered by banks and non-banking
monetary organizations, where you can store cash for a higher rate of enthusiasm than
investment accounts. You can store a singular amount of cash in fixed store for a
particular period, which changes for each agent.
When the cash is contributed with a solid lender, it begins gaining a premium dependent
on the length of the store. More often than not, the characterizing criteria for FD is that
the cash can't be pulled back before development, however you may pull back them in
the wake of paying a punishment.
3. Sovereign gold bond scheme: Sovereign Gold Bond Plan from Kotak Mahindra
Bank are RBI issued protections which are designated in grams of gold. Since these are
substitutes of physical gold individuals need to put resources into these bonds in real
money and after recovery get just money.
4. Kotak ASBA facility: ASBA can be opened with a Self-Certified Syndicate Bank
(SCSB) as per SEBI guidelines. Not all banks are enlisted as SCSB. Kotak Mahindra Bank is
an SCSB. Also, the ASBA IPO Application form can be submitted at the bank branch, which
is designated for the purpose.
5. Currency: The remote trade showcase (forex) is where world monetary forms are
exchanged 24 hours per day. For a few, it's just a system for transforming one cash into
another, for example, global companies working together in different nations. Here are
five different ways for a retail speculator to take part in this market.
6. Commodity: An item is an essential decent utilized in trade that is exchangeable

with different products of a similar sort. Items are regularly utilized as contributions to
the creation of different products or administrations. The nature of a given item may
contrast marginally, yet it is basically uniform crosswise over makers. When they are
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Kotak Mahindra Bank
exchanged on a trade, items should likewise satisfy determined least guidelines,

otherwise called a premise grade.
7. Insurance: Investment Plans are financial products that provide the opportunity to
create wealth for future. Life Insurance products are often used as investment
instruments. These type of saving scheme or investments offer life coverage and returns
but differ in their construct.
8. Real estate: Land contributing includes the buy, possession, the board, rental or
potentially closeout of land for benefit. Improvement of realty property as a component
of a land speculation procedure is commonly viewed as a sub-claim to fame of land
contributing called land development.
9. Portfolio management service: Portfolio The board Administrations (PMS),

administration offered by the Portfolio Administrator, is a speculation portfolio in
stocks, fixed pay, obligation, money, organized items and other individual protections,
overseen by an expert cash supervisor that can possibly be custom-made to meet Land
contributing includes the buy, possession, the board, rental or potentially closeout of land for
benefit. Improvement of realty property as a component of a land speculation procedure is
commonly viewed as a sub-claim to fame of land contributing called land development.
10. National pension system: The National Benefits Plan permits online speculation.
It is dealt with by the Benefits Store Administrative and Improvement Expert (PFRDA).
The plan was propelled on first January, 2004 with a reason for improving benefits in
India, it is the least expensive market-connected retirement plan accessible in India.
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Kotak Mahindra Bank
6. RESEARCH OBJECTIVE
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Kotak Mahindra Bank
Objective of the study
1. To study the customer behavior toward investment in Ahmedabad city.

2. To study perception of different demographic group toward investment.
3. To know the factors that are influencing investment behavior of the
customer.
4. To analyzing the pattern of investment.
5. To know the mode of investment of the various investment.
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Kotak Mahindra Bank
7.RESEARCH METHODOLOGY
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Kotak Mahindra Bank
Research Methodology
Research Methodology is a way systematically to solve the research problem. It may be

understood as a science of studying how research is done scientifically. It is necessary for
the researcher to know not only the method or techniques but also methodology.
Research Method
Descriptive Method:
Descriptive studies, primarily concerned with finding out “How is, where is and may also
give different preference according to demographic factor such as age, gender, annual
income, occupation.
Source of Data
Primary Data
Primary data has collected directly from customer through structured questionnaires.
Secondary Data
Secondary data has collected from the various magazines, journal, website of KOTAK
MAHINDRA BANK and various website.
Sampling Method
The population includes male and female customers residing in the area of Ahmedabad
with the criteria: Customers with Kotak Mahindra Bank. In this project convenience
sampling method is followed.
Sampling Size
My sample size was 100, who fulfill the basis criteria-Customers with Kotak Mahindra
Bank.
Sampling Unit
A sample unit is a single individual, who is having Kotak Mahindra Bank accounts.
Sampling Technique
Convenience sampling method
Data Collection Method
Self-administered personal survey method used to collect necessary data, for this purpose
appropriate questionnaires were designed.
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Kotak Mahindra Bank
Structure of Questionnaires
The questions formulated were structured and non-disguised. The questions were asked in
order to get all the necessary information to see that the respondents could answer them
with case. This pattern adopted facilitated in analyzing the data
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8. DATA ANALYSIS
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Data analysis
 Gender
Gender Respondent Percentage
Male 67 67%
Female 33 33%
Total 100 100%
Gender
33%
male
female
67%
INTERPRETATION:
From the above chart 67% of the respondents are male, 33% of respondents of female. One of
the reasons could be that male are into commercial and business so the more know about the
investment.
 Age
Age Responded Percentage

20-25 20 20%
25-30 22 22%
30-35 26 26%
Above 35 32 32%
Total 100 100%
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Kotak Mahindra Bank
Age
20%
32% 20-25
25-30
30-35
22%
Above 35
26%
Interpretation:
There were majority of 35 above age group 32%. By analysis conducted that more 20-25 age
concern about, being updated with the online banking. The age group of above 35 being
updated with the investment.
 Annual income
Income Responded percentage
Less than 1.5 lac 15 15%
1.5 to 3 lac 26 26%
3 to 4.5 lac 26 26%
More than 4.5 lac 33 33%
Total 100 100%
annula income
15%
33% less than 1.5 lac
1.5 to 3 lac
26% 3 to 4.5 lac

more than 4.5 lac
26%
Interpretation:
There were the reason could be more income of business more he want to save, reinvest in
business, go for the other investment option. Conclude that whose income more than 4.5 lacks
they were higher investment.
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Kotak Mahindra Bank
1. Do you plan your saving, investment & returns?
Responded Percentage
Yes 82 82%
No 18 18%
18%
yes
no
82%
Interpretation:
In the investment planning the 82% customers are plan for the investment and 18% customer
are do not plan for investment.
2. Which investment instrument among the following are you aware of? Please indicate
the level of awareness for each instrument.
50 47
45
40
35
35 33 33
30 29
30 26 27
2524 2425
25 22 23 22 23
21 21 20 20 21 21
18 1920
20 17
14 15 15 15
15 12 12 12 13
11
8 9
10 6 6 6
5
0
Mutual fund Fixed deposit Severeing Kotak ASBA Currency Commodity Insurance Portfolio
gold bond facility management
scheme service
Not aware Have heard of it Somewhat aware Good knowledge Expert
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Kotak Mahindra Bank
Interpretation:
In the chart analysis, mutual fund 25% customer has somewhat aware about this and 24%
customer has good knowledge and 21% customer expert in the mutual fund.
In fixed deposit 33% peoples has good knowledge about the investment and 23% people are
expert about this investment.
In severing gold bond scheme 47% customer has somewhat aware and second highest 20%
customer not aware about this scheme.
In kotak ASBA facility 47% customer are somewhat aware know about the investment product
and 17% customer are not aware this investment product.
In currency investment the customers are somewhat aware and good knowledge this investment
product.
In commodity (share market) the customer are same knowledge about this investment.
In insurance, investment 29% customer are expert and 23% people has good knowledge on this
product.
In the portfolio management service 33% customers have somewhat aware about this
investment product and 6% customer are expert but this is low percentages
3. Rank the following instrument on the basis of your preference of investment in the
particular instrument. ( 1 being the most important and 5 being the least important)
Chart Title
60
50
50 47
41 43
40
32
29 2829 29
30 262427 26
21 2222 21 23 22
18 17 17
20 15 14 15 14
1211 1312 13 11
10 10 9 9
10 5 5 5 3
0
Mutual fund Fixed deposit Severeing Kotak ASBA Currency Commodity Insurance Portfolio
gold bond facility management
scheme service
rank 1 rank 2 rank 3 rank 4 rank 5
42
Kotak Mahindra Bank
Interpretation: In the chart analysis, mutual fund 41% customer more important
investment. In fixed deposit has 32% customer 2nd most important investment. In
Severing gold bond scheme 50% customer give 3rd rank most important investment. In
kotak ASBA facility 43% give same rank of gold bond scheme. In currency, the
commodity and insurance have the customer give same rank and portfolio management
service 47% customer give 3rd rank of most important investment.
4. How long you have been investing your money?
Responded Percentages
Less than 1 year 13 13.1%
1-3 year 28 28.3%
3-5 year 35 35.4%
More than 5 year 23 23.2
Total 99 100%
13%
23% less than 1 year
1-3 year
28% 3-5 year
more than 5 year
36%
Interpretation: There are most of the customer are invest their money 3 to 5 year and 28%
customer are invest more than 5 year in long term investment and 23% customer are invest 1-
3 year and 13% customer invest less than 1 year.
5. What percentage of your income do you invest?
5-10% 22 22%
10-15% 29 29%
15-20% 36 36%
More than 20% 13 13%
Total 100 100
43
Kotak Mahindra Bank
13%
22%
5-10%
10-15%
15-20%
36%
more than 20%
29%
Interpretation: In the investment planning more customers are invest 15-20% income
and 29% customer are invest 10-15% income in various investment facility.
6. What is your short- term goal of investment?
Return 48 48%
Liquidity 38 38%
Risk 14 14%
total 100 100
14%
Return
48% liquidity
risk
38%
Interpretation: In this analysis 48% customer’s short term goal is resave more return
form their investment and 38% customer has market liquidity easy to buy or sell.
44
Kotak Mahindra Bank
7. What is your long-term goal of investment?
Retirement 18 18%
Children future 31 31%
Dream house 20 20%
Other 31 31%
Total 100 100
18%
Retirement
31%
Children future
Dream house
31% Other
20%
Interpretation: In the investment planning more than 31% customer are investing
purpose is children and their other purpose. 20% customer are invest their dream house
and 18% customer are invest for retirement.
8. Your decision to invest depend upon?
Past performance 20 20%
Economic scenario 32 32%
Industry analysis 23 23%
Company name 11 11%
Credit rating 14 14%
Total 100 100
45
Kotak Mahindra Bank
14% 20% Past performance
11% Economic scenario

Industry analysis
company name
23% 32%
Credit rating
Interpretation: 32% customer decision on investment depend upon the economic

scenario and 23% customer decision depend upon the industry analysis.
9. What factor influences your investment decision?
Return 47 47%
Safety 39 39%
Tax saving 14 14%
Total 100 100
14%
Return
47% Safety
Tax saving
39%
Interpretation: In this study the 47% customer are invest their money for more return
purpose and 39% customer will be invest for future safety.
~
46
Kotak Mahindra Bank
10. What level of risk are you ready to undertaken for your investment?
Responded percentage
Less risk 56 56%
Moderate risk 18 18%
High risk 26 26%
Total 100 100
26%
Less risk
Moderate risk
56%
High risk
18%
Interpretation: 56% customer can invest their money for the less risk so they are
more return and future safety.18% customer invest high risk investment scheme for
high return.
11. How would you describe your typical attitude when making important financial
decision?
Strongly disagree 4 4%
Disagree 13 13%
Nature 46 42%
Agree 26 26%
Strongly agree 11 11%
Total 100 100
47
Kotak Mahindra Bank
4%
11%
13% Strongly disagree
Disagree
26% Nature
Agree
Strongly agree
46%
Interpretation: 46% customer are nature for the making important financial
decision and 26% customer are agree to attitude is can affect for important financial
decision.
12. You invest in mutual fund which fund give better return?
SBI 42 42%
KOTAK 56 52%
ICICI 19 19%
AU SMALL FINANCE BANK 11 11%
HDFC 28 28%
IDBI 8 8%
Total 100 100
IDBI
8
Chart Title
HDFC
28
AU SMALL FINANCE…
11
ICICI
19
KOTAK
56
SBI
42
0 10 20 30 40 50 60
48
Kotak Mahindra Bank
Interpretation: In this analysis the 100 out of 56 customer perception is kotak

Mahindra bank give more return in mutual fund. And 100 out of 42 customer perception
is SBI is give good return in mutual fund.
13. If you invest in commodity market you proper analysis before investing?
Yes 74 74%
No 26 26%
Total 100 100
26%
Yes
No
74%
Interpretation: 74% customer are analysis before investing in the share market,
trading, gold and oil market. 26% customer are not proper analysis.
14. Reason for investing in fixed deposit schemes?
Returns 7 7%
Risk free investment 50 50%
Flexibility to 28 28%
withdrew fund
Easy access to credit 15 15%

Total 100 100
49
Kotak Mahindra Bank
15% 7%
Returns
Risk free investment
28% Flexibility to withdrew fund

50%
Easy access to credit
Interpretation: 50% customer invest in fixed deposit for the return and 28%
customer invest for the flexibility to withdraw fund and easy to re-invest in fixed
deposit.
15. Reason for investing in kotak ASBA facility?
No loss of interest 20 20%
Return 46 46%
Multiple bidding facility 34 34%
Total 100 100
20%
34% No less
Return
Multiple bidding facility
46%
50
Kotak Mahindra Bank
Interpretation: In the kotak ASBA facility 46% customer is invest for return purpose.
Kotak ASBA facility are work on the IPO so the customer are invest in any company
and they hold their money and wait for best offers. 34% customer are invest for use of
multiple bidding facility.
51
Kotak Mahindra Bank
9. Finding
52
Kotak Mahindra Bank
Findings
 After the survey, it was found that most of the people are not aware about the different types of
investment.
 In India gender gap is more affect to the investment decision because most of woman are house
wife and they was not aware about the investment planning.
 Income level is affect the investment decision because of the most of customer are belong
middle class family so they are not proper planning of future investment benefit.
 Some customer not aware about the kotak ASBA facility.
 Customer can not aware about the ASBA facility because this facility influence to the share
market and most of customer not invest in the commodity market.
 Most of customer are not invest in the commodity investment because of losing the interest
rate.
 There is significant relationship between the income level & awareness of the
investments among respondents as comparatively higher income class people are more
aware about different investment avenues than respondents with lower income class
people.
 Return is the major factor while doing investments as 47% percentages of the
respondents are investing their money due to return & 53% percentages of the
respondents are investing their money in tax saving scheme for tax benefit purpose and
safety purpose.
53
Kotak Mahindra Bank
10. Limitation of study
54
Kotak Mahindra Bank
Limitation of study
 Only 100 examples of responders, which includes a little example, a few respondents
falter in giving data.
 The data gave by respondents may not be dependable.
 During the information accumulation the respondents did not fill the surveys really for
example the respondents who were surrounded for the client of the Net saving money
offices. Because of this there might be variety in the outcomes acquired.
 The respondents confined themselves from noting the inquiry specified for the dread of
letting their perspectives uncovered to others.
55
Kotak Mahindra Bank
11. SUGGESTION/RECOMMENDATION
56
Kotak Mahindra Bank
RECOMMENDATIONS
 Focus on spreading awareness about the products from different mediums.
 Build a good customer relationship through greetings.
 Guide the customers nicely in a very easy manner so that they can easily to invest to
mobile app like fixed deposit.
 Kotak Mahindra Bank must organize events time to get a feedback from customer about
their development and to check their satisfaction level.
57
Kotak Mahindra Bank
12. Conclusion
58
Kotak Mahindra Bank
Conclusion
 It is observed that AGE & OCCUPATION plays an important role with respect to the use
of the investment planning. Is found that the more than 35 age are investment planning
is more than to the age group of 20-25. From this I call conclude that even the preceding
generation is becoming more & more aware of benefits & convenience of investment.
With respect to the literacy level it is observed that majority of customers have
knowledge of limited aspects of investment planning.
 Form this study I find the many customer are asking about the SIP and fixed deposit
and they asking about the interest rate of the bank given.
 The data analysis of research reveals that the return is concerned as important factor
while doing investment, so remaining avenues are less found less considerable while
doing investment by investors.
 It is needed to save what you earn, to have a plan for your future, and to resist the
spending funds that you do not already have.
59
Kotak Mahindra Bank
13. Bibliography and Reference
60
Kotak Mahindra Bank
References
References
Bhushan, P. (January 2014). INSIGHTS INTO AWARENESS LEVEL AND INVESTMENT
BEHAVIOUR. International Association of Scientific Innovation and Research, 53-57.
Dr.M.Mohana Sundari, D. (2016). PEOPLE’S PREFERENCES IN INVESTMENT BEHAVIOUR.

IJARIIE, 42-50.
jain, L. g. (may 2003). Indian Securities Depository System. society for capital market .
kumar, K. a. (Decembar 2015). A study on investment preferenceand behaviour of individual

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

Perspectives of Innovations, Economics & Business, 15-27.
Ms.k.j.anju, D. a. (september 2015). SAVING AND INVESTMENT BEHAVIOUR. researchgate , 43-

72.
rajarajan, p. a. (1999). investment behaviour and social changes . International Journal of Trend in
Research and Development, 27-29.
SELVI, D. (. (September 2015). Investors Attitude towards Investment Avenues. International Journal
of Management and Commerce Innovations , 717-722.
sharma, m. g. (augest 2014). A study of investment behaviour of middle income group toward
different kinds of investment avenues. IOSR Journal of Business and Management, 01-10.
W.goetzmann, D. R. (june 1993). accounting for teste . the american financial association , 663-679.
www.kotak.com
www.sodhganga.com
www.wikipedia.com
http://www.journal.bonfring.org/papers/iems/volume5/BIJ-8122.pdf
61
Kotak Mahindra Bank
14. ANNEXURE
62
Kotak Mahindra Bank
QUESTIONNAIRE
A STUDY ON PEOPLE PERCEPTION TOWARD INVESTMENST
BACKGROUND INFORMATION:-
Name: -
Gender: - A) Male B) Female
Age : - A) 20-25
B) 25-30
C) 30-35
D) 35 Above
Qualification: - A) under graduate

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

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

A) Yes
B) No
2. Which investment instrument among the following are you aware of? Please indicate
the level of awareness for each instrument. (Tick each option)
Instrument Not aware Have Somewhat Good Expert
heard of it aware knowledge
Mutual fund
Fixed deposit
Severeing gold bond scheme
Kotak ASBA facility
Currency
Commodity
Insurance
Portfolio management
service
63
Kotak Mahindra Bank
3. Rank the following instrument on the basis of your preference of investment in the
particular instrument.
Instrument 1 2 3 4 5
Mutual fund
Fixed deposit
Severeing gold bond scheme
Kotak ASBA facility
Currency
Commodity
Insurance
Portfolio management service
4. How long you have been investing your money?

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

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

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

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

A) Past performance
B) Economic scenario
C) Industry analysis
D) Company and analysis
E) Credit rating
64
Kotak Mahindra Bank
9. What factor influences your investment decision?

A) Return
B) Safety
C) Tax saving
10. What level of risk are you ready to undertaken for your investment?
A) Less risk
B) Moderate risk
C) High risk
11. How would you describe your typical attitude when making important financial
decision?
A) Strongly disagree
B) Disagree
C) Nature
D) Agree
E) Strongly agree
12. You invest in mutual fund which fund give better return?
A) SBI
B) Kotak Mahindra bank
C) ICICI
D) AU small finance bank
E) HDFC
F) IDBI
13. If you invest in commodity market you proper analysis before investing?
A) Yes
B) No
14. Reason for investing in fixed deposit schemes?

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

A) No loss of interest
B) Return
C) Multiple bidding facility
65

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Kotak Mahindra Bank

A Summer Internship Project Report

Under the guidance of

Gujarat Technology University

OAKBROOK BUSINESS SCHOOL

Gandhinagar Highway PO: Jamiyatpura, Gandhinagar-382423

Enrolment Number Name Sign

188320592043 Sunil P. Jangid

Signature and Date

OAKBROOK BUSINESS SCHOOL

Gandhinagar Highway PO: Jamiyatpura, Gandhinagar-382423

(A=Excellent; B=Good; C=Average; D=Poor; E=Worst)

Signature of the Faculty Guide/s

Prof. Ankita Srivastava

Signature of Director with Stamp of Institute

Sr.no Particular Page No

Introduction of Banking Industry

"Bank implies a seat or table for evolving cash'.

History of Banking in India:

Non Scheduled Banks

Old Private Bank

New Private Banks

Saving money Product Portfolio:

Corporate Salary account

Senior Citizenship plot

Credits and Advances

Purchaser Durable Loans

Advances against Shares and Securities

Keeping money Services

• Regular Saving and current records

• Regular settled stores

• Student managing an account

• Special NRI Services

• Home credit, Vehicle advance

• Tele and web managing an account

• Business duplicates A/Cs

• Relief securities and common reserve

• Loans against shares

• Retail keeping money

• Special store conspire

• Senior resident – exceptional store conspire

• Other offices for clients

Web based Banking

• Electronic Bill Presentment and Payment – EBPP

• Investment buy or deal

• Loan applications and exchanges, for example, reimbursements of enrolments

(e.g., online explanations, check joins, co perusing, visit)

• Financial Institution Administration

• Support of different clients having fluctuating levels of specialist

• Transaction endorsement process

Fate of Indian Banking

Introduction about Kotak Mahindra Bank Ltd.

Products and Services

 ICAI Award – Excellence in Financial Reporting under Category 1 – saving

Asia money – Best Local money Management bank 2010

 Banking Technology Excellence Awards Best Bank Award in IT Framework and

 Banking Technology Award for IT Governance and esteem Delivery, 2008

 IR Global Rankings – Best Corporate Governance Practices – Ranked

 IBA Banking Technology Awards

 Best Customer Relationship Achievement – Winner 2008 &2009

 Best general victor, 2007

 Best IT Team of the Year, 4 years in succession from 2006 to 2009

 Best IT Security Policies and Practices, 2007