1985

The company was incorporated on 21st November 1985 under

the name
Kotak capital management finance ltd. The company has been
promoted
by Mr. Uday S Kotak, Mr. S.A.A Pinto and Kotak & company. The
company
Obtained the certificate of commencement of business on 11th
February 1986 and the existing promoters were joined by Mr.
Harish Mahindra and Mr. Anand Mahindra. The company's name
was changed on 8th April 1986 to its present name Kotak
Mahindra finance ltd. - the company deals in bill discounting,
leasing and hire purchase, corporate finance, management of
fixed deposit mobilization, financing against securities, money
market operations, consumer finance, investment banking and
clients' money management.

1990

- 3, 08,770 no. Of equity shares subscribed for by the promoters,

Directors, 3, 41,230 no. Of equity shares allotted as rights as on
28.3.89. 19, 50,000 shares issued as bonus (6, 50,000 shares in
prop.
1:1 as on 29.7.89 and 13, 00,000 shares in prop. 1:1 as on
27.2.91).

1991

- an application was made to sebi for approval for setting up a

Mutual
Fund trust and an asset management company. The newly set up
Corporate
Advisory services group received several mandates for advice on
Mergers and acquisitions and re-structuring.

- the company's newly established foreign exchange risk

management
Service carters to the vast potential demand for price risk
Management. The company established itself as a major leasing
and hire-purchase company and as a source of finance for
purchasers of automobiles.

1992

- in january, the company offered and allotted 15, 50,000 - 14%

Secured
Partly convertible debentures of rs 90 each for a total value of rs
13.95 crores in the following manner: (i) 2,00,000 debentures to
Promoters, directors, etc. (ii) 77,500 debentures to employees
(including working directors)/workers on preferential basis (iii)
12,72,500 debentures to indian public through prospectus.

- additional 30,000 debentures to promoters, directors, etc., 9,500

Debentures to employees and 1,93,000 debentures to indian
public
Were
Allotted to retain oversubscription.

- as per the terms of debenture issue, a portion of rs 45 of each

Debenture of rs 90 was to be converted into 1 equity share of rs
10
Each at a premium of rs 35 per share as on the date of allotment
of
The
Debentures. Accordingly 17,82,500 no. Of equity shares allotted
as
On
25th february, 1992, being the date of allotment of the
debentures.
The non-convertible portion of rs 45 of each debenture would be
Redeemed at par in three equal installments of rs 15, rs 15 and rs
15
At
The end of the 7th, 8th and 9th year respectively from the date of
Allotment of the debentures.

- in april, the company has raised rs. 18 crores by issue of

Commercial
Paper which has been awarded p1 + rating by credit rating and
Information services of india limited (crisil) indicating highest
Standards of safety.

1993

- during february, the company issued 69, 82,500 rights equity

shares
Of
Rs 10 each at a premium of rs 15 per share in proportion 1:1 (all
Were
Taken-up). Additional 13,950 shares were allotted to those who
had
Applied for additional shares.

- the company issued through a prospectus 44, 00,000 no. Of

equity
Shares of rs 10 each for cash at a premium of rs 140 per share of
Which
The following were reserved for allotment (i) 1, 30,000 shares to
Promoters, directors, their relatives etc., (ii) 25,000 shares to
Foreign/indian financial institutions (all were taken up). Of the
Remaining 50,000 shares reserved for allotment on a preferential
Basis
To employees (only 34,600 shares taken up). Another 5, 55,000
shares
To
Nris were reserved on non-repatriation basis (all were taken up).

- balance 36,40,000 shares, along with 15,400 shares not taken

up by
Employees', were offered for public subscription.

- at the 8th annual general meeting held on 28th september the

Company
Has reserved 61,22,000 no. Of equity shares of rs 10 each for
cash
To
Be allotted at such issue price as may be decided by the board to
Foreign institutional investors and/or, foreign and/or indian
Pension
And/or mutual and/or other funds and/or institutions, banks,
Companies,
Bodies and/or individuals and/or groups of individuals.

- the company's newly set up corporate advisory services group

Received
Several mandates for advice on mergers and acquisitions and
Re-structuring and some have already been executed with
success.

1994

- the company entered into a memorandum of understanding with

kb
Currency advisors inc. Usa to market their foreign exchange fund
Management programme.

- 183,65,500 rights equity shares issued in prop. 1:1. 11,800 no.

Of
Equity shares forfeited.

- the company has received the approval of securities and

exchange
Board of india (sebi) for setting up a mutual fund.

1995

- the company issued 4,00,000 - 17% secured redeemable

Non-convertible
Debenture of rs 2500 each including 96000 - 16% ncds reserved
for
Nris/urb (only 9510 taken-up). Unsubscribed portion of 90
Debentures
Issued to the public. These are redeemable at par on 7.3.2001
with
An
Option for early redemption up to a maximum of 5% of the issue
Amount
Every year.

- the company entered into a joint venture agreement with ford

Credit
International inc. (fci), a subsidiary of ford motor credit co.,
Usa.
It was proposed to finance all non ford passenger cars.

- kotak mahindra capital company became a subsidiary of the

company.

1996

- the company's operations were affected by the liquidity crunch,

Scarcity of resources, sluggishness in the capital markets and the
Overall deceleration of economic growth.

- the company has entered into a mou with the chubb

corporation, new
Jersey, u.s.a., one of the largest american insurance firms, to
Develop
A joint venture dedicated to the conduct of casuallity and
property
Insurance business in india.

- the company has invested a sum of about rs 200 lakhs in matrix

Information services private ltd. (matrix), a company formed for
Providing comprehensive value added information to business
and
General
Users. Matrix is a wholly owned subsidiary of the company.

- the company has divested its entire holding of 20,00,070 no. Of

Equity shares of rs 10 each of kotak mahindra securities ltd.
(kmsl)
And 20,00,000 ordinary shares of us $ 1 each of kotak mahindra
International ltd.
- hamko financial services ltd., kotak mahindra securities ltd.,
Provides of broking services to institutional and corporate clients,
Kotak, mahindra asset management company, kotak mahindra
International
Ltd., an offshore company and kotak mahindra (uk) ltd., are all
Subsidiaries of the company.

- the company's public issue of 400000 16-17% secured

redeemable
Non-convertible debentures of rs.2500 each for cash at par
Aggregating
Rs.100 crores in january.

1997

- in recognition of the company's prudent funds management,

crisil
Has
Assigned a rating of aa+ to the company's public issue of
Non-convertible debentures and p1+ for all short term borrowings
Upto
Rs.35000 lakhs.

- kotak mahindra finance ltd, has decided to venture into health

Insurance business.

- kotak mahindra finance has launched a new consumer finance

product
Called kotak mahindra k-value.

- hamko is a 100 per cent subsidiary of kmfl and investment in it

Was
Structured to avoid limitations of section 372 under the
companies
Act.

- the company has diversified into various activities for which it

Has
Set up subsidiaries including broking, capital market activities,
Auto
Finance, etc.

1998

- kotak mahindra asset management company limited (kmamcl)

launched
Its
Mutual fund schemes in december.

- the company it would launch its mutual fund with two schemes
--
Kgilt
Unit scheme and k30 unit scheme.

- kotak mahindra finance, is a joint venture with goldman sachs.

1999

- the `faa' (pronounced `f double a') rating assigned to the fixed

Deposit programme of ford credit kotak mahindra (fckm) has
been
Reaffirmed.

- with the allotment to the company of 50,000 equity shares of rs.

10
Each by kotak mahindra trustee company limited (kmtcl) on 12th
may.

2000

- kotak mahindra finance ltd (kmfl) and chubb corporation of the

us
Have decided to call off their joint venture for entering the
General
Insurance business in india.
- the company has decided to set up a venture capital fund with
an
Initial corpus of rs. 100 crore.

- kmfl has set up a new asset reconstruction division to offer

Recovery
Management services to players in the financial services industry.

- the company issue of 91,82,500 no. Of equity shares of rs. 10/-

Each
For cash at a premium of rs. 90/- per share aggregating rs.
91,82,50,000 to the equity shareholders of the company on rights
Basis
In the ratio of one equity share for every our equity shares held
on
15th february.

- mr. K.k. Sheth has resigned effective from may 8.

- kotak securities an affiliate of kotak mahindra finance ltd., has

Launched electronic broking services for retail investors.

- kotak mahindra finance is in talks with foreign insurers for a

Joint
Venture in the life insurance business.

- the company has proposed to start-up capital of rs 150 crore in

Its
Life insurance joint venture with old mutual, the uk based
financial
Services group.

- the company proposes to make the necessary applications to

the rbi
And the insurance regulatory and development authority for
entering
The
Life insurance business.
- om kotak mahindra life insurance company, the recently formed
Joint
Venture company of kotak mahindra financeand old mutual plc
has
Filed
Its application for approva of life insurance licence on 1st
September.

- kotak mahindra finance ltd has been assigned ind aaa rating
(indicating highest credit quality) for its rs.510 million medium
Term
Borrowing programme.

- fitch india has assigned a rating of ind aaa to the rs 51-crore

Medium term borrowing program of kotak mahindra finnance ltd
for
High
Credit quality and negligible risk factor.

2001

- the company recommended a swap ratio of 25 shares of kmfl for

Every
Share of pannier tradings which has a 75 per cent equity stake in
Kotak
Securities.

- the bharath petroleum corporation ltd (bpcl) has decided to part

Ways
With kotak mahindra, one of the leading domestic financial
services
Company, in its convenient store venture in & out.

2002

-kmfl's business has seen a fast growth with the total

disbursement
Of commercial vehicle loan of the company in the last fiscal was
Tuned to rs. 250cr.
-rbi has given in-principle approval to kotak mahindra finance ltd
To convert itself
Into a bank, thereby becoming the first ever non-banking finance
Company converted
Into a bank.

-mr uday kotak says, there won't be any frsh capital infusion in
the
Bank in the near future.

-kmfl informed bse the fitch ratings assigned:

Fixed deposit programme - ind aaa
Non-convertible debenture - ind aaa

-mr.ajay sondhi has been appointed as the additional director of

Kotak mahindra
Finance ltd.

-kotal mahindra finance company has shortlisted i-flex solutions

'Flexicube' and 'infosys',
'Finnacle' for its core banking solutions.

-kmfl has raised 76.22cr by selling securitised commercial vehicle

Loans to investors.

-crisil has assigned 'aaa(so)' rating for rs.83cr securitisation

Programme of kotak
Mahindra finance ltd.

-mr.uday kotak has been appointed as the executive vice

chairman and

Managing director of the company.

-kotak mahindra finance ltd has mobilised rs.104.89cr , asset-

backed
Securitisation
Of commercial vehicle receivables.
-business standard and business standard digital have ceased to
be
The subsidiaries
Of kotak mahindra finance ltd.

-mr.c jayaram and mr. Dipak gupta are appointed as whole time
Directors on the
Board of kotak mahindra finance ltd.

2003

-madison communications has won the rs.30cr kotak mahindra's

media
Aor account.

-the proposal of changing the name from 'kotak mahindra finance

ltd'
To 'kotak
Mahindra bank ltd' and the proposal to change the authorised
capital
From 100,00,00,000
Divided into 10,00,00,000 equity shares of rs.10 each has been
Approved by the
Company shareholders.

-rbi has granted licence to kotak mahindra finance ltd to embark

on
Its
Banking business.

-o & m has got the creative account of kotak mahindra bank, and
has
Said to be
Working professionally.

-kotak mahindra bank has received a lot of interest from portfolio

Investors, private
Equity investors and potential strategic investors.
-kotak mahindra bank has entered into an atm sharing agreement
with
Uti bank,
Which would allow kmb's customer free access to around 800
atm's.

-kotak mahindra bank has started its operations in new delhi by

Inaugurating a
Branch cannaught place office.

-dr.shankar acharya has been appointed as the additional director

to
The
Board of the bank.

-the board of kotak mahindra bank ltd accepts the resignation of

Mr.s.a.a pinto and mr.m.r punja as the directors of the bank.

-kotak mahindra investment co ltd. Pcc a subsidiary of kotak

Mahindra capital company
Has constituted itself from a private company to a public limited
co.
And has changed
Its name to 'global investment opportunities fund ltd'.

-kotak mahindra bank has unveiled several home finance

products
Options which includes
Home loan, home equity loan, home loan transfer and home
improvement
Loans.

--kotak mahindra bank launches online remittance services called,

Fundstohome
For non-resident indians.

-in reponse to the repo rate cut by therbi, the kotak mahindra
bank
Has reduced its
Lending rates in home loans.

-kotak mahindra bank limited has informed that the equity shares
of
The bank have been delisted from the delhi stock exchange
association
Ltd w.e.f december 10, 2003.

2004

-kotak mahindra bank limited has informed that the bank's equity
Shares will be delisted from the stock exchange, ahmedabad with
Effect from january 20, 2004.

-kotak mahindra bank sets up branch in surat

-kotak mahindra mutual fund has launched kotak opportunities,

an
Open-ended equity growth scheme

-kotak mahindra bank inks pact with reuters

2005

-kotak mahindra bank purchases stressed assets worth rs 1,000 cr

-kotak bank join hands with indianngos.com

-kotak mahindra bank invests rs 25 cr in bfw

2006

-kotak mahindra joins hand hdfc bank to share atms.

-kotak mahindra to buy out goldman sachs' stake in jvs

-kotak mahindra bank sets up branch in valsad

-kotak mahindra subsidiary acquires ford credit's auto portfolio

2007

-kotak mahindra bank launches home banking, improves banking

Experience

-kotak mahindra bank launches salary 2 wealth

-kotak mahindra bank launches kotak gold debit card

-kotak mahindra bank ties up with taxshax.com, simplifies filing of

It returns

2008

- kotak mahindra bank launched credit cards for its customers.

2009

-kotak entered into tie up with russia's top investment bank

-kotak mahindra bank wins it team of the year for 3rd

Consecutive time at the banking technology awards 2008
Kotak mahindra group in india has market share of 2.2%. It has
ability to enter in the adjacent market, which will help it to grow
further in financial sector of india. Kotak mahindra is a financial
firm in india fulfilling the financial need of the public. Kotak
mahindra group came into being in 1985 as kotak capital
management finance limited and the name changed to kotak
mahindra finance ltd. In 1986 when harish mahindra and anand
mahindra took it. From bill discounting activity in 1986 it had
entered into the lease and hire purchase market in 1987. The
auto finance division was started in 1990. In the year 1998 kotak
mahindra ventures into mutual fund market with the launch of
kotak mahindra asset management company. It got tied up
with old mutual plc. And the life insurance business in the year
2000. Year 2003 saw the conversion of kotak mahindra finance
ltd. Into a commercial bank. It is the first indian company to do so.
In 2004 it launched a private equity fund named india growth
fund. Like all other years the 2006 was also very fruitful for this
group as it bought 25% stake held by golden sachs in kotak
mahindra capital company and kotak securities.

The services offered by kotak group are:

o Bank
o Life insurance
o Mutual funds
o Securities
o Car finance
o Kotak reality fund
o Kotak private equity
o Institutional equities
o Investment banking
o Kotak mahindra international
o Commercial banking
o Stock broking

o Financial need of individuals and corporate are taken care by

kotak mahindra bank
For every service offered by them they have separate website
that really help the customer to get what he is looking for. This
group even provides the facility of net banking. Kotak mahindra
bank got tied up with india airlines to provide people with the
facility of buying air ticket of this airline online. This is first of its
kind in the private sector banks to provide this facility. The online
access to buy ticket also enables the user to transfer money to
kotak securities account. With this customer can make purchases
on more than 3000 merchant websites. The bank had 90
branches by the end of dec 2006 across 59 towns and cities in
india and estimated to increase the number to 110. The asset
triple, a country awards awarded kotak mahindra bank with the
best status in domestic investment bank and the best equity
house. Kotak securities on the other hand has branches in almost
815 cities in india. There has been seen an increase of 76% in the
income of kotak life insurance (kli). Kotak mahindra old mutual
life insurance, which provides the facility of life insurance has 160
years of experience in this field. It has launched the home
banking service that is available in all the urban and metro
branches in india for which the announcement was made on july
17, 2007. Kotak mahindra finance ltd. Got the license from the
reserve bank of india to do work in banking business in february
2003. Kotak mahindra provides many plans like money back plan,
child advantage plan, kotak retirement income plan, kotak safe
investment plan ii. But the recent among these are

o Kotak external life plan

o Kotak platinum advantage plan
o Kotak headstart child plan
o Kotak sukhi jeevan plan

Kotak mahindra bank history

Kotak mahindra bank was founded in the year 1985 as ‘kotak

capital management finance ltd’. A year later, mr. Harish
mahindra and mr. Anand mahindra combined the team of the
bank and renamed it as ‘kotak mahindra finance ltd’. From the
time of its origination, kotak mahindra bank is leaded by mr. Uday
kotak, the executive vice chairman and managing director ofthe
bank.

Kotak mahindra bank ltd structure

kotak mahindra bank has a net value of about rs.6, 799crores and
covers a network of branches, franchisees, representative offices
and satellite offices across cities and towns in india.the bank also
has offices in six more countries in the world. The group serves
more than 6.4 million customers.
Kotak mahindra bank has launched a real estate fund and india
growth fund which is a private equity fund. The bank has entered
into the activity of bill discounting, lease and hire purchase
marketing and fund syndication sector.

Kotak mahindra bank provides facilities such as net banking, sms

banking, mobile banking, phone banking and 24 hour atm
facilities. Privy league is an exclusive offering for the selected
clientele who expect more out of their banking experience.
Becoming a member of the privy league assures excellent
customer support and financial planning solutions.

Kotak mahindra bank services:

the financial needs vary, not just amongst individuals, but across
the different stages of life. Kotak mahindra bank has years of
experience in helping people put together an investment portfolio
that works best for them.
• demat
• mutual funds
• insurance
• kotak gold eternity

Kotak mahindra bank deposit schemes:

savings accounts are designed to offer the benefits of quick &
convenient banking transactions along with options for the
customer’s money to earn high returns.
• ace savings account
• pro savings account
• edge savings account
• nova savings account
• classic savings account – available only in select locations
• easy savings account (no frills account)
• corporate salary account
kotak mahindra bank loans

Loans are the resources to convert one’s dream into reality. Kotak
mahindra personal loan helps to fulfill its customer’s financial
needs.

• personal loans
• home loans
• loans against property
• home improvement loan
• car loans
• commercial loans

Kotak mahindra bank nri banking:

kotak mahindra bank serves the nri customers to access their
account from anywhere in the world.

• Savings

Nre rupee savings

nro rupee savings

• Deposits

Nre term deposits

Nro term deposits

Fcnr deposits

Rupee advantage plan

• Convenience banking

Online banking

Phone banking
Global debit card

India access debit card

• Special accounts

Privy league

• Mutual funds
• Demat services
• Home loans

Kotak mahindra bank corporate banking

the bank provides money market and foreign exchange facilities
to help the industrialists.

• Funded products

Working capital

Structured products

• Current account
• Treasury products

Foreign exchange

Money market

Benchmark plr

• Investment products

Term deposits

Mutual funds

Banc assurance

Our Businesses
Multiple businesses. One brand.

Kotak Mahindra Bank Ltd is a one stop shop for all banking needs. The bank
offers personal finance solutions of every kind from savings accounts to credit
cards, distribution of mutual funds to life insurance products. Kotak Mahindra Bank
offers transaction banking, operates lending verticals, manages IPOs and provides
working capital loans. Kotak Bank has one of the largest and most respected Wealth
Management teams in India, providing the widest range of solutions to high net
worth individuals, entrepreneurs, business families and employed professionals.

Kotak Mahindra old Mutual Life Insurance Ltd

A joint venture between Kotak Mahindra Bank Ltd and Old Mutual, Kotak Life
Insurance offers a wide choice of life insurance products such as unit-linked plans,
traditional insurance policies and gratuity group plans to credit-term plans for
businesses. With the promise of complete financial independence, Kotak Life
Insurance aims to bring about a change in the mindset of today's informed
insurance customer.

Kotak Securities is one of the largest broking houses in India with a wide geographical reach.
Kotak Securities operations include stock broking and distribution of various financial products
including private and secondary placement of debt, equity and mutual funds.

Kotak Securities operate in five main areas of business:

• Stock Broking (retail and institutional)

• Depository Services
• Portfolio Management Services
• Distribution of Mutual Funds
• Distribution of Kotak Mahindra Old Mutual Life Insurance Ltd products

Kotak Investment Banking (KMCC) is a full-service investment bank in India offering a wide
suite of capital market and advisory solutions to leading domestic and multinational
corporations, banks, financial institutions and government companies.

Our services encompass Equity & Debt Capital Markets, M&A Advisory, Private Equity
Advisory, Restructuring and Recapitalization services, Structured Finance services and
Infrastructure Advisory & Fund Mobilization.

Kotak Mahindra Prime Ltd is among India's largest dedicated passenger vehicle
finance companies. KMPL offers loans for the entire range of passenger cars, multi-
utility vehicles and pre-owned cars. Also on offer are inventory funding and
infrastructure funding to car dealers with strategic arrangements via various car
manufacturers in India as their preferred financier.

Kotak International Business specialises in providing a range of services to

overseas customers seeking to invest in India. For institutions and high net worth
individuals outside India, Kotak International Business offers asset management
through a range of offshore funds with specific advisory and discretionary
investment management services.

Kotak Mahindra Asset Management Company offers a complete bouquet of

asset management products and services that are designed to suit the diverse risk
return profiles of each and every type of investor. KMAMC and Kotak Mahindra Bank
are the sponsors of Kotak Mahindra Pension Fund Ltd, which has been appointed as
one of six fund managers to manage pension funds under the New Pension Scheme
(NPS).

Kotak Private Equity Group helps nurture emerging businesses and mid-size
enterprises to evolve into tomorrow's industry leaders. With a proven track record
of helping build companies, KPEG also offers expertise with a combination of equity
capital, strategic support and value added services. What differentiates KPEG is not
merely funding companies, but also having a close involvement in their growth as
board members, advisors, strategists and fund-raisers.

Kotak Realty Fund deals with equity investments covering sectors such as hotels,
IT parks, residential townships, shopping centres, industrial real estate, health care,
retail, education and property management. The investment focus here is on
development projects and enterprise level investments, both in real estate intensive
businesses.
Senior Management
Core Kotak Mahindra Group team

Mr. Uday S. Kotak

Executive Vice Chairman & Managing Director

Mr. Uday Kotak, B.Com, MMS (Masters in Management Studies), aged 50 years, is the
Executive Vice-Chairman and Managing Director of the Bank, and its principal founder and
promoter. Mr. Kotak is an alumnus of Jamnalal Bajaj Institute of Management Studies.
In 1985, when he was still in his early twenties, Mr Kotak thought of setting up a bank when
private Indian banks were not even seen in the game. First Kotak Capital Management Finance
Ltd (which later became Kotak Mahindra Finance Ltd), and then with Kotak Mahindra Finance
Ltd, Kotak became the first non-banking finance company in India's corporate history to be
converted into a bank. Over the years, Kotak Mahindra Group grew into several areas like stock
broking and investment banking to car finance, life insurance and mutual funds.
Among the many awards to Mr Kotak's credit are the CNBC TV18 Innovator of the Year Award
in 2006 and the Ernst & Young Entrepreneur of the Year Award in 2003. He was featured as one
of the Global Leaders for Tomorrow at the World Economic Forum's annual meet at Davos in
1996. He was also featured among the Top Financial Leaders for the 21st Century by Euromoney
magazine. Most recently, he was named as CNBC TV18 India Business Leader of the Year
2008.

Mr. C Jayaram
Executive Director

Mr. C. Jayaram, aged 53 years, is an Executive Director of the Bank and is currently in charge of
the Wealth Management Business of the Kotak Group. An alumnus of IIM Kolkata, he has been
with the Kotak Group since 1990 and came on the Kotak board in October 1999. He also
oversees the international subsidiaries and the alternate asset management business of the group.
He is the Director of the Financial Planning Standards Board, India. He varied experience of
over 25 years in many areas of finance and business, has built numerous businesses for the
Group and was CEO of Kotak Securities Ltd. An avid player and follower of tennis, he also has a
keen interest in psephology.

Mr. Dipak Gupta

Executive Director

An electronics engineer and an alumnus of IIM Ahmedabad, Mr. Gupta has been with the Kotak
Group since 1992 and joined the board in October 1999.Mr. Dipak Gupta, aged 48 years, is an
Executive Director of Kotak Bank. He heads commercial banking, retail asset businesses and
looks after group HR function. Early on, he headed the finance function and was instrumental in
the joint venture between Kotak Mahindra and Ford Credit International. He was the first CEO
of the resulting entity, Kotak Mahindra Primus Ltd.
Awards
Recent achievements

Banking
IDRBT
Banking Technology Excellence Awards Best Bank Award in IT Framework and Governance
Among Other Banks' - 2009
Banking Technology Award for IT Governance and Value Delivery, 2008

IR Global Rankings
Best Corporate Governance Practices - Ranked among the top 5 companies in Asia Pacific, 2009

FinanceAsia
Best Private Bank in India, for Wealth Management business, 2009

Kotak Royal Signature Credit Card

Was chosen "Product of the Year" in a survey conducted by Nielsen in 2009

IBA Banking Technology Awards

Best Customer Relationship Achievement - Winner 2008 & 2009
Best overall winner, 2007
Best IT Team of the Year, 4 years in a row from 2006 to 2009
Best IT Security Policies & Practices, 2007

Euromoney
Best Private Banking Services (overall), 2009

Emerson Uptime Champion Awards

Technology Senate Emerson Uptime Championship Award in the BFSI category, 2008

Insurance

Outlook Money
Kotak Platinum Advantage Plan - Ranked 1st in Type II ULIP category, 2008
Kotak Long Life Wealth Plus Plans - Ranked 4th in the Type I ULIPs category

Securities
CNBC Financial Advisor Awards
BBest Performing Equity Broker, 2008 & 2009
Asiamoney Brokers Poll
Best Local Brokerage, 2006, 2007, 2008 & 2009
Best Analyst in India – Sanjeev Prasad, 2005, 2006, 2007, 2008 & 2009

• FinanceAsia Country Awards for Achievement

Best Broker in India, 2006, 2009 & 2010
• Thomson Extel Surveys Awards
India's Leading Equity House, 2007
• SuperBrands Council of India
Business Superbrand India, 2008

Investment banking

• FinanceAsia Country Awards for Achievement

Best Investment Bank in India, 2006, 2007, 2008, 2009 & 2010
Best Equity House in India, 2008 & 2010
• Asiamoney Best Domestic Bank Awards
Best Domestic Equity House, 2008, 2009 & 2010
• IFR Asia
India Equity House of the Year, 2008
• Global Finance
Best Investment Bank in India, 2008, 2009 & 2010
• Asset Asian Awards
Best Domestic Investment Bank, 2006, 2007, 2008 & 2009

Asset Manangement

ICRA Mutual Fund Awards 2009

Kotak Liquid (Regular Plan) - Ranked as a Seven Star Fund for its 1 year
performance
Kotak Flexi Debt Fund - Ranked as a Five Star Fund for its 1 year performance
Kotak Flexi Debt Fund - Ranked as a Five Star Fund for its 3 year performance
Kotak 30 - Ranked as a Five Star Fund for its 3 year performance

International Asset Management

Global Investor (Editorial Award)

Asian Asset Manager of the Year, 2009

Miscellaneous

GIREM
GIREM awarded Kotak Realty Funds Group, the "Investor of the Year" Award for 2009

IBA Banking Technology Awards

Best Use of Business Intelligence - up, 2008
Best Enterprise Risk Management - Runner up, 2008
The Great Places to Work Institute, India
Best Workplaces in India, 2008

Hewitt
10th Best Employer in India, 2007, 2008 & 2009

Financial Insights Innovation Award

Best Innovation in Enterprise Security Management in the Asia Pacific Region, 2009

Frost & Sullivan

Best Passenger Vehicle Finance Company in India, 2006

CNBC TV 18
Indian Business Leader of the Year, 2008 awarded to Uday Kotak, Executive Vice Chairman &
Managing Director