A PROJECT REPORT

ON
“A STUDY OF FINACIAL PERFORMANCE OF KOTAK MAHINDRA
BANK”

SUBMITTED BY
PURVESH MADHUKAR WAYKOLE

UNDER THE GUIDANCE OF

Dr.RUPENDRA GAIKWAD
(MM’S IMERT)

SUBMITTED TO
Savitribai Phule Pune University
In the partial fulfillment of the requirements for the award of
MBA

MARATHWADA MITRA MANDAL’S

INSTITUTE OF MANAGEMENT EDUCATION RESEARCH AND
TRAINING
MARKETING
MANAGEMENT 2020-2021
 DECLARATION

I Purvesh Madhukar Waykole, a student of MBA hereby declare that the

project work titled ‘A STUDY OF FINACIAL PERFORMANCE OF KOTAK

MAHINDRA BANK’ which will be submitted to University of Pune, is an

original work of the undersigned and has not been reproduced from any other

source.

Date: Signature

Place: Purvesh WAYKOLE

 ACKNOWLEGDEMENT

It’s giving me an immense pleasure in presenting this project on “A STUDY

OF FINACIAL PERFORMANCE OF KOTAK MAHINDRA BANK” in our
partial fulfillment of “Master of Business Administration”.

I would take this opportunity to express my gratitude to director of MM’s

IMERT Dr. JITENDRA BHANDARI

My heartfelt thanks to my internal guide Dr. Rupendra Gaikwad for constant

follow-up, support and valuable suggestions provided throughout the project.

Our Professor encouraged us in such a way that we started building up

confidence on ourselves of completing the project on time and submitting it on
time. Thank you.

Purvesh waykole
MBA-MARKETING

MM’S IMERT
 Executive summary

This is an internship base project of two month on A STUDY OF FINACIAL

PERFORMANCE OF KOTAK MAHINDRA BANK. It has been prepared to fulfill the

requirement of MBA degree financial services is one of core activities of the bank and researcher

have prepared this report based for customer awareness about financial performance. So the title

of this project A study of Kotak Mahindra Bank’s products and customer awareness about

digital banking product

To fulfill this title the main objective to study digital personal banking product Kotak Mahindra

Bank and to study customer awareness about Kotak Mahindra bank Bank’s Digital Personnel

Banking Product.

The major finding of this research are:

 The financial performance of the banks can be checked through analysis of the different

indicators such like total assets, total shareholder equity by comparing with profit of the banks.

The profitability indicates the financial performance of the banks. The bank having high profit

rate is performing well.

 TABLE OF CONTENTS

Chapter Title Page No.

No.

1 Introduction 2

2 Objective Of The Study 5

3 Bank Profile 7

4 Literature Review 27

5 Research Methodology 41

6 Data Analysis & Interpretation 44

7 Findings 48

8 Suggestions 60

9 Conclusion 62

10 Questionnaire 64

11 Bibiliography 66
CHAPTER 1: INTRODUCTION
 INTRODUCTION

The aim of this study is to investigate the bank-specific, industry-specific, and macroeconomic
determinants of the financial performance of banks The profitability indicates the financial
performance of the banks. The bank having high profit rate is performing well. So the title of this
project A STUDY OF FINANCIAL PARFORMANCE OF KOTAK MAHINDRA BANK .

 FINANCIAL PARFORMANCE:-

The financial performance of the banks can be checked through analysis of the different indicators

such like total assets, total shareholder equity by comparing with profit of the banks. The profitability
indicates the financial performance of the banks. The bank having high profit rate is performing well.
Financial Performance can be measures using Earnings : Measures the ability of the bank to
increase capital, cover loan losses, and grow the loan book via normal operations. Look at the net
interest margin (foremost) but also ROA, ROE, and efficiency ratios like non-interest
expense/income. Liquidity/funding: the life blood of a ban FINANCIAL SYSTEM

The financial system comprises of a variety of intermediaries, markets, and instruments. It

provides the principal means by which savings are transformed into investments.

The financial system is divided into six sections

 Functions of the financial system

 Financial assets
 Financial markets
 Financial market returns
 Financial intermediaries
 Regulatory infrastructure

FUNCTIONS OF THE FINANCIAL SYSTEM

 It provides a payment system for the exchange of goods and services.

2
 It enables the pooling of funds for undertaking large scale enterprises.
 It provides a mechanism for spatial and temporal transfer of resources.
 It provides a way for managing uncertainty and controlling risk
 It generates information that helps in coordinating decentralized
decision making.
 It helps in dealing with the incentive problem when one party has
an informational advantage.

3
CHAPTER 2: OBJECTIVE
 OBJECTIVE

 To know about financial performance of banks.

 To study about Kotak Mahindra Bank’s financial activity for financial

Performance.

 To study How do banks measure financial performance.

CHAPTER 3: BANK PROFILE
 PROFILE

Established in 1985, the Kotak Mahindra group has been one of India's most reputed
financial conglomerates. In February 2003, Kotak Mahindra Finance Ltd, the group's
flagship company was given the license to carry on banking business by the
Reserve Bank of India (RBI).
Company information

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. In year 2015 Kotak Bank acquired ING Vysya
Bank in a deal valued at ₹150 billion (US$2.1 billion). With the merger, total employment
jumped to almost 40,000, and the count of branches reached 1,261.[8] After the merger, ING
Group, which controlled ING Vysya Bank, owned a 7% share in Kotak Mahindra Bank.[9]

As of April 2019, it is the second largest Indian private sector bank by market capitalization,
with 1600 branches & 2519 ATMs kotak Mahindra bank have branches in Madhya Pradesh,
Delhi, Mumbai, Maharashtra,Hyderabad, Bengaluru, Pune, Chennai, Ahmedabad and Kolkata.In
year 2017 Kotak Mahindra Bank launches Kotak Remit Aadhaar-based Instant Forex Remittance
Solution. --Kotak Mahindra Bank launches Kotak 811 Savings Account. -Kotak Mahindra Bank
Ltd.has acquired 13,26,75,452 equity shares of Rs. 10 each of Kodak Mahindra Old Mutual Life
Insurance Ltd.for a consideration of Rs. 1,292.7 Crore payable in cash. -Kotak Mahindra Bank
launches Smart Banking 24x7 e-Lobbies. -Kotak Mahindra Bank and Zeta launch Paymint multi-
wallet digital prepaid solution for salaried employees. In 2020, Kotak have pledged to donate 50
Crores to PM Cares Fund to fight against Covid-19 Pandemic in India

Business focus
Make in India was an initiative by the Government of India to encourage companies to manufacture in India
and incentivize dedicated investments into manufacturing.[1] The policy approach was to create a conducive
environment for investments, develop a modern and efficient infrastructure, and open up new sectors for
foreign capital. The initiative targeted 25 economic sectors for job creation and skill enhancement, [2] and
aimed "to transform India into a global design and manufacturing hub."[3]
"Make in India" had three stated objectives:
to increase the manufacturing sector's growth rate to 12-14% per annum;
to create 100 million additional manufacturing jobs in the economy by 2022;
to ensure that the manufacturing sector's contribution to GDP is increased to 25% by 2022 (later revised to
2025).[4]
merged with Kotak Mahindra Bank Ltd. The Bank has four Strategic Business Units – Consumer Banking,
Corporate Banking, Commercial Banking and Treasury, which cater to retail and corporate customers across
urban and rural India.

.
.

Bank Journey So Far From year 2015 to 2020

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PRODUCTS AND SERVICES OF KOTAK MAHINDRA Bank Ltd

Being a well known name in the domain of financial and banking services in the country, the
Kotak Mahindra Bank Ltd has come up with a number of financial solutions and services in a
number of areas. Some of the well known segments in which the bank offers customized and
specialized services are

 Accounts and deposits

 Short and long term loans
 Private banking
 NRI services

Personal Banking The personal banking department of Kotak Mahindra Bank Ltd offers high
quality services and solutions to cater to the financial needs and preferences. The high end
solutions make them a one stop organization to fulfill the needs and requirements of the
customers. Some of the well known services offered in the segment of personal banking are

 Mutual Funds
 Tax Savings Bonds
 NRI Services
 Internet Banking
 Phone Banking
 Mobile Banking
 Self Banking
 Term deposits
 Demat accounting
 Wealth management
 Wealth Management services the wealth management services of the Kotak Mahindra Bank
Ltd offers the best services in order to take care of the needs and preferences of the consumers in
various wealth management sectors. The secure services offered by the bank also
minimize the risk processes. In addition to these, Kotak Mahindra Bank Ltd also offers
business banking facilities and services of high standards. The services are meant to take care of
the business needs and also provide high degree of financial stability to the various corporate
organizations and business sectors. Some of the well known services that are offered include

 Long and term loans in the agro based sector

 SME- Power Business account and loans
 Financial market analysis
 Market trading
 Asset liability management services
 Financial market sales
 Cash management services
 Corporate and investment banking services
 Off shore borrowing services
 Trade and community finance services

In addition to these, Kotak Mahindra Bank Ltd also carries out research and development to
add more stability to the Indian economic scenario. The customers are also given useful guidance
about investing their assets and funds.
PRODUCTS

Accounts & Deposits

 Savings

 Orange Saving

 Advantage Salary

 Aspira Corporate Salary Solution

 Orange Salary

 Solo

 Saral

 General

 Freedom

 ING Formula Savings Account

 Current Accounts

 Orange Current

 Advantage Current

 General Current

 Comfort Current

 Flexi Current Account

 Term Deposits

 Fixed Deposit

 Cumulative Deposit

 Akshaya

 Tax Advantage Deposit

 Demat Account

 Jiyo Easy Hand Book – Terms & Conditions

 Loans

 Home Loan

 Home Equity Loan

 Personal Loans

 NRI Loan

 Education Loan

 Model Policy

 Private Banking

 Features

 Products & Services

 Special Services
 NRIs

 Country Head Speaks

 Latest Market Updates

 Private Banking Program

 Our Team

 Contact us

 About us

 Wealth Management

 General Insurance

 Life Insurance

 Investment Products

 Wealth Management process

 NRI Services

 Accounts and Deposits

 RSA

 NRE Savings Account

 NRO Savings Account

 RCA

 NRE Current Account

 NRO Current Account

 RFD
 NRE Fixed Deposit

 NRO Fixed Deposit

 NRE Akshaya Deposit

 NRO Akshaya Deposit

 NRE Cumulative Deposit

 NRO Cumulative Deposit

 FCD

 FCNR Akshaya Deposits

 FCNR Fixed Deposits

 ARI

 RFC Savings Account

 RFC Fixed Deposit

 RFC Akshaya Deposit

 Downloadable CIF & NRI A/C opening Forms

 NRI Home Loan

 Mi-remit

 Telegraphic / Wire Transfers

 Funds Transfer cheques / DDs / TCs

 NRI FAQs

 Access Points

 ATM

 Branch

 Customer Service Line

 Net Banking

 Self Banking

 SMS

 Contact Us

 Business Continuity Management

 Cards

 ING Gold Credit Card

 Debit Card

 Most Important Terms & Conditions [MITC]

 Card member Terms & Conditions

 Fair practice code for credit card operation

 DSA's code of conduct

 Master Circular on Credit Card Operations of Banks

 Debit Collection Standards in India

 Easy Banking

 Internet Banking

 mi-bank Features

 Become mi-bank User

 Log into mi-bank

 Online Security Guidelines

 Phone Banking
 Current Functionalities

 How to use IVR?

 Mobile Banking

 ATM Kiosks

 FAQs on ATMs

 Payment Services

 Electronic Funds Transfer

 RTGS

 NEFT

 Bill Pay

 Smartserv

 Collection Service

 Doorstep Banking Service

 Important Policies

 Cheque Collection Policy

 Compensation Policy

 Safe Deposit Locker Policy

 Interest Rates

 Domestic & NRO Term Deposit Rates

 NRE Deposit Rate

 FCNR & RFC Rates

 Service Charges

 Savings Bank Accounts

 Orange, Salary, Solo & Freedom Accounts

 Saral, General Savings Bank Account & its variants

 Current Accounts

 Demat Account

 DD PO TT Charges

 Term Deposit Accounts

 Safe Deposit Lockers Rental

 Safe Custody of Articles

 Cheques /DD/ Bills Purchased

 Credit Card

 Miscellaneous

 Loans Processing Fee

 Retail Assets

 Agri & Social Banking

 Wealth Management Services - Charges and Commissions

 Trade Finance Products & Services

BUSINESS

 SME

 Business Loans- M Power BLT

 Business Loans - Rent

 Business Loans (Small Scale Industries) - CGTSI

 Business Loans (Small Scale Industries) –M Power SSI

 M Power Business Account

 Code of Commitment to Micro & Small Enterprises

 Policy for Lending to Micro and Small Enterprises(MSE)

 Micro and Small enterprises (MSE) Rehabilitation Policy

 OTS for MSMEs

 Contact Us

 About us

 Agri

 Term Loan

 Short term Loan

 Wholesale Banking

 Corporate & Investment Banking

 Emerging Corporates
  Banks & Financial Institutions Group

 Product Offerings

 Credit Products & Structured Finance

 Offshore Borrowings

 Investment Banking, Local Debt Syndication and Securitisation

 Trade & Commodity Finance

 Cash Management Services

 Financial Market

 Market Making and Trading

 Asset Liability Management

 Financial Market Sales

 Products and Services

 Research and Analysis

 Careers in Financial market

CUSTOMER SERVICE

 ING Customer

 Contact Us

 Know Your Customer (KYC) Guidelines

 Fair Practice Code

  Citizen Charter

 Code Of Commitment

 Complaints

 Do Not Disturb Registry

 Protected Disclosure Scheme

ABOUT US

 Company Overview
 Our Corporate Statement
 Shareholders Information
 Financial Results

CONTACT US

 Email Us

 Call Us

 Branch Network

CAREERS

 Security Features
 General Tips
 FAQs
 Privacy Policy
 Disclaimer
 Complaints
CHAPTER 5: - LITERATURE REVIEW
 LITERATURE REVIEW

 This study has been carried out to evaluate the financial performance Kotak Mahindra Bank. India's
second largest private sectors bank in terms of market share over the past five financial years i.e.,
2015, 2016, 2017, 2018,2019 and 2020 The financial performance of above mentioned bank has
been evaluated giving consideration to primarily ratio analysis wherein under liquidity ratios current
ratio and quick ratio. The profitability ratios are calculated i.e., Fixed Assets Ratio, Debit-Equity
Ratio and Proprietary ratio and give interpretation to each ratios. This has been done with a view to
obtain an understanding of the financial position of the bank and how it has been performing past
five financial years.
.
CHAPTER 6: - RESEARCH METHODOLOGY
 RESEARCH METHODOLOGY

Research:

Research means search for facts in order to find answers to certain questions or to find
solutions to certain problems. It is often referred as ‘Scientific Inquiry’ or ‘Scientific
Investigation’ into a specified problem or situation.

Research is, thus, an original contribution to the existing stock of knowledge making for
its advancement. It is the persuit of truth with the help of study, observation, comparison and
experiment. In short, the search for knowledge through objective and systematic method of
finding solution to a problem is research.

Research Methodology:

Research Methodology is a way to systematically solve the research problem. It may be

understood as a science of studying how research is done scientifically. In it, we study the
various steps adopted by the researcher in studying the research problem along with the logic
behind it.

Research Design:

A research design is the arrangement of conditions for collection and analysis of data in a manner
that aims to combine relevance to the research purpose with economy in procedure.

In fact, the research design is the conceptual structure within which the research is conducted; it
constitutes the blueprint for the collection, measurement and analysis of data.
 THE TYPES OF RESEARCH DESIGN:

TYPES OF RESEARCH DESIGN

DESCRIPTIVE CAUSAL
Exploratory

NATURAL
CONTOLLED
EXPERIMENT
EXPERIMENTS

EXPERIENCE FOCUS ANALYSIS

LITERATURE SURVEY OF
SELECTED
CASES
LONGITUDINAL CROSS-
SECTIONAL

TIME CROSS- COMBINATIO

SERIES SECTIONAL N OF
AND DESIGNS THESE TWO
TREND

types of research design

 Exploratory:

Exploratory research studies are also termed as formulative research studies. The main purpose
of such studies is that of formulating a problem for more precise investigation of developing the
working hypotheses from an operational point of view. The major emphasis in such studies is on
the discovery of ideas and insights.

 Descriptive:

Descriptive research studies are those studies which are concerned with describing the
characteristics of a particular individual, or of a group. Studies concerned with specific
predictions, with narration of facts and characteristics concerning individual, group or situation
are all examples of descriptive research. Most of the social researches come under this category.
  Causal:

Causal Research tries to determine the cause underlying a given behavior. It finds the cause and
effect relationship between variables. It seeks to determine how the dependent variable changes with
variations in the independent variable
 TYPES OF DATA:

Essentially there are two types of data, Primary and Secondary.

 Primary Data

Primary Data are those which are collected afresh and for the first time, and thus happen to be
original in character.

 Secondary Data

Secondary Data are those which have already been collected by someone else and which have been
passed through the statistical process. It may include data collected from books, journals,
newspapers, research projects, magazines, annual reports and publications of various associations
connected with business and industry, diaries, letters, unpublished biographies.

 For this study researcher has used “Ratio analysis ”

 As researcher has used Primary data with the help of structured questionnaire and
The study covers the period of (2012-19 to 2019-20) Kotak Mahindra BANK to
conduct this research.

RATIO ANALYSIS

Ratio analysis is one of the techniques of financial analysis where ratios are used as a yardstick for evaluating the
financial condition and performance of a firm. Ratio analysis was pioneered by Alexander wall who presented a
system of ratio analysis in the year 1909.

RATIO (MEANING)

A ratio is a mathematical relationship between two items expressed in a quantitative form.

 MODES OF EXPRESSION OF RATIOS

 In percentage
ADVANTAGES OF RATIO ANALYSIS

Forecasting
Managerial control
Facilitates communication
Measuring efficiency
Facilitating investment decisions
Useful in measuring financial solvency
Inter firm comparison

LIMITATIONS

Practical knowledge
Ratios are means
Inter-relationship
Non availability of standards or norms
Accuracy of financial information
Consistency in preparation of financial statements
Detachment from financial statements
Time lag
Change in price level

 CLASSIFICATION OF RATIOS

A.CLASSIFICATION OF RATIOS BY STATEMENTS

BALANCE SHEET PROFIT&LOSS B/S AND P&L
RATIOS A/C RATIOS A/C RATIOS

• Liquidity Ratio • Gross • Return on

Investment
• Current ratio Profit Ratio
• Return on
• Proprietary • Operating Shareholders
Ratio Funds
Ratio • Stock Turnover
• Debt-Equity • Operating
• Debtors
Ratio Profit Ratio
Turnover
• Fixed Asset • Expense Ratio
• Creditors
Ratio • Net Profit Turnover
• Capital Ratio • Fixed assets
Gearing Ratio Turnover
• Earnings Per
Share
CHAPTER 7: - DATA ANALYSIS & INTERPRETATION
RATIO ANALYSIS OF KOTAK MAHINDRA BANK

CURRENT RATIO

Current ratio is an indicator of firms commitment to meet its short term liabilities. Current ratio is an index of the
concerns financial stability since it shows the extent of the working capital which is the assets exceeds the current
liabilities. As stated earlier a higher current ratio would indicate inadequate employment of funds while a poor
current ratio is a danger signal the management. It shows the business is trading beyond its sources. The idea
ratio is 2:1.

Current ratio = Current Assets / Current Liabilities

CURRENT RATIO

YEAR CURRENT RATIO

2017 1.10
2018 0.98
2019 0.80
2020 1.01
 1.2

0.8

0.6 Column1

0.4

0.2

0
2017 2018 2019 2020

Sources: Secondary Data

INTREPRETATION:

The ideal current ratio is 2:1

From the above calculation it is inferred that current assets for meeting current liabilities are more during the year
2017 and later starts decreasing during the year 2018 and 2019. But, later it starts increasing during the year 2020
which shows that current assets are more than current liabilities.

EARNING RETENTION RATIO

Earning Retention Ratio is also called as Plowback Ratio. As per definition, Earning Retention Ratio or Plowback
Ratio is the ratio that measures the amount of earnings retained after dividends have been paid out to the
shareholders. The prime idea behind earnings retention ratio is that the more the company retains the faster it has
chances of growing as a business. There is always a conflict when it comes to calculation of Earnings retention
ratio, the managers of the company want a higher earnings retention ratio or plowback ratio, while the
shareholders of the company would think otherwise, as the higher the plowback ratio the uncertain their control
over their shares and finances are. This ratio shows the amount that has been retained back into the business for
the growth of the business and not being paid out as dividends. The investors prefer to have a higher retention
ratio in a fast growing business, and lower retention ratio in a slower growing business.

Earnings Retention Ratio = Retained Earnings /

Net Profit After tax and
Preference Dividend * 100

YEAR EARNING RETENTION RATIO

2016 95.61
2017 100.00
2018 97.21
2019 96.71
 Chart Title
101

100

99

98
Series 3
97

96

95

94

93
2016 2017 2018 2019

Sources: Secondary Data

INTERPRETATION

From the above calculation it is analyzed that during the year 2016, earning retention ratio
is increased to 95.61 and in 2017 it is declined to 100.00 and in the year 2018 it is increased to
97.21 and in the year 2019 it is decreased to 96.71. it indicates that the bank is not following
uniform policy in retaining the funds.
 DATA ANALYSIS & INTERPRETATION

AGE: 0 TO 18 19 TO 40 41 TO 60 ABOVE 60
-

Age Respondent
0 to 18 20
19 to 40 27
41 to 60 15
Above 60 12
Total 74

Age of Respondent

16%
27%
0 to 18
19 to 40
20% 41 to 60
Above 60
37%

Chart 2 : Age
Interpretation: -

From the above chart researcher can interprete that majority of customer are in 19 to 40 age group
which is 37% as comparative customer from age group above 60 is very less i.e. 16%.

GENDER: - Male Female

Gender Respondent
Male 42
Female 32
total 74

GENDER OF RESPONDENT

42

32

Male Female

Chart 3 : Gender

Interpretation: -

From the above table researcher can state that majority of customer are male which 42.
 OCCUPATION: Student Salaried Self Employee
-

Occupation Respondent
Student 15
Salaried 27
self-Employee 32
Total 74

Occupation of Respondents

20%

43%
Student salaried
self Employee

37%

Chart 4 : Occupation

Interpretation: -

From the above chart researcher can interpret that majority of customer are self-employee
which is 43%.
 Are you customer of Kotak Mahindra Bank?

1) Yes
2) No

Customer Respondents
Yes 65
No 9
Total 74

Customer of Bank
AXIS TITLE

80
60
40
20
0
Respondents
Yes
No

Yes No
Respondents 65 9

Chart 5 : Customer of bank

Interpretation: -

From the above data researcher can state that 65 respondents are customer of bank out of 74
respondents.
 Which are the products you bought from Kotak Mahindra Bank?

1) CASA
2) FDRD
3) Loan And Cards
4) Securities And Mutual Fund

Bank's Product Respondents

CASA 65
FDRD 59
Loan & Cards 54
Securities & Mutual Fund 36

Chart 6 : Bank’s Products

Securities & Mutual Fund, 36

Interpretation: - CASA, 65

From the above chart researcher can interpret that majority of customer bought CASA and
FDRD i.e. 65 and 59 in number and securities &mutual fund were bought very less i.e.36.
Loan & Cards, 54

FDRD, 59
 Are you aware about benefits of this products?

1) Yes
2) No

Product Awareness Respondents

Yes 57
No 8
Total 65

Respondent's Product Awareness

AXIS TITLE

60

40

20 Respondents
0
Yes No
Respondents 57 8

Chart 7 : Product Awareness

Interpretation: -

From the above table researcher can state that majority of customer aware about benefits
of products i.e. 57 number of respondents.
Q -7 Do you use Mobile banking services of Kotak mahindra Bank?

1) Yes
2) No

Mobile Banking Respondents

Yes 59
No 6
Total 65

Mobile Banking Respondents

Yes
9% No
91% 9%

Chart 8 : Mobile Banking Respondents

Interpretation: -

From the above chart researcher can interpret that majority of customer are using mobile
banking i.e. 91%.
 Do you use Net Banking Services of Kotak Mahindra Bank?

1) Yes
2) No

Net Banking Respondents

Yes 49
No 16
Total 65

NET BANKING RESPONDENTS

60
49
50
AXIS TITLE

40

30
16
20
10

0 Respondents
Yes 49
No 16

Chart 9 : Net Banking Respondents

Interpretation: -

From the above table researcher can state that majority of customer are using net banking
services i.e. 49.
 Does the Kotak Mahindra Bank Sell a product or service that is time constrained?

1) Yes
2) No

Time Constrained Product Respondent

Yes 61
No 4
Total 65

Time Constrined Product

6%

94%

YesNo

Chart 10 : Time Constrined Product Respondents

Interpretation: -

From the above chart researcher can interpret that majority of respondents (i.e.94%)
state that IDFC FIRST bank’s products and services time constrained, which means
IDFC FIRST bank’s products and services help to customer to fulfil their need and
future plan which directly proportional to their financial wealth.
 Does the digital banking provide more revenue than traditional banking?

1) Yes
2) No

Digital Banking Provide Revenue Respondents

Yes 63
No 2
Total 65

DIGITAL BANKING PROVIDE REVENUE

80
60
40
20
0 Respondents

YES
NO

Chart 11 : Digital Banking Provide Revenue

Interpretation: -

From the above table researcher can interpret that majority of revenue provided by digital
banking i.e. 63 number of respondents.
Q- 11 Are you satisfy with Kotak Mahindra Bank product or services?

1) Yes
2) No

Satisfied Respondents
Yes 62
No 3
Total 65

Chart 12 : Satisfied with Kotak Mahindra bank

80
60
40
62
20
0

Yes 3

No

Respondents

Interpretation: -

From the above table researcher can state that 62 respondents are satisfied with Kotak Mahindra
bank’s products and services.
CHAPTER 8: - FINDINGS
 FINDINGS

The important findings recorded in this research report are consolidated as follows:

 On comparative study of current ratio and liquid ratio it is observed that

there is an adequate current assets and liquid assets to meet the current
obligations, and it is revealed that the firm is in a good liquidity position.
 The debt equity ratio is declining from the year 2017 to 2020 where it is
indicating the bank has lowered the investments in Long-Term Debt.
 From the study, it is noted that there is a tremendous increase in the net
profit margin ratio which shows that the bank is earning more profits.
 From the analysis of assets turnover ratio it is observed that the bank has
effective utilization of assets in the years 2019and 2020when compared to
the previous years.
 The bank has effectively increased earnings per share over the years, which
indicates that bank profitability is very good and it is a positive indicator for
the equity shareholders and they will get more earnings per share.
 The bank has negative effect on the earning retention ratio and capital
adequacy ratio which was fluctuating. The bank can have a uniform
retention policy of the profits.
 The fixed charges coverage ratio is dissatisfied, the bank is unable to meet
all fixed payment obligations in time. Hence the bank can plan accordingly
to suit the circumstance so as to meet the fixed charges in time.
CHAPTER 9: - SUGGESTIONS
 SUGGESTIONS

 The banks current and liquid asset is sufficient to meet the current liabilities of the
bank which shows the sound liquid position. This has to be maintained for the
following years.
 The bank should make efforts to increase the earning retention ratio for its further
business growth and development.
 The bank has to take necessary steps to improve the capital adequacy ratio.
 The debt capital is not utilized effectively and efficiently. So the bank can extend
its debt capital in the years to come.
 The bank earnings per share is tremendously increased and it is advised that it
should be continued for the following years.
CHAPTER 10 : - CONCLUSION
 CONCLUSION

In a country like India, there is need for providing better and customized services to the customers.

Banks must be concerned the attitudes of adult customers with regard to acceptance of banking.

 Indian Banking sector contributes 7.7% for the Indian economy in 2020
 The phenomenal growth of the banking industry is the positive sign for the growth and
development of the country as the more number of investors are interested to operate the banks.
 In this current economic scenario ING vysya bank is performing outstanding manner its
consistent profit from the last 4 years and it is performing well in the sector.

MY LEARNING

 I got to know in detail about Banking products and services

 Practical exposure to the corporate world
 It also helped me enhance my knowledge in banking sector
 Time management skills and working in a team
 Preparation and presentation of the research reports
 I got to meet a lot of people and have learnt a lot during this period
CHAPTER 11: - QUESTIONNAIRE
 QUESTIONNAIRE

……………………………………………………………………………………….

This survey help to know about digital banking product and customer awareness.

………………………………………………………………………………….........

NAME: -

AGE: 0 TO 18 19 TO 40 41 TO 60 ABOVE 60
-

GENDER: Male Female

-

OCCUPATION: - Student Salaried Self Employee

Are you customer of Kotak Mahindra bank?

3) Yes
4) No

In which bank you have an account other than Kotak Mahindra bank?

:-

Which are the products you bought from Kotak Mahindra bank?

5) CASA
6) FDRD
7) Loan And Cards
8) Securities And Mutual Fund
Are you aware about benefits of this products?

3) Yes
4) No

Please elaborate the benefits of product which you know?

:-

Do you use Mobile Banking Services of Kotak Mahindra bank?

1) Yes
2) No

Do you use Net Banking Services of Kotak Mahindra bank?

3) Yes
4) No

Does the Kotak Mahindra bank Sell a product or service that is time constrained?

3) Yes
4) No

Does the digital banking provide more revenue than traditional banking?

3) Yes
4) No
Are you satisfy with Kotak Mahindra bank product or services?

3) Yes
4) No

Any suggestion

:-
CHAPTER 12: - BIBLIOGHRAPHY
 BIBLIOGHRAPHY

Research Paper:

 A. Murthy , financial management , margham publishares.

 Prasanna chandra , financial management(theory & practice ) , tata mc graw hill publishers.
 Dr.S.N. maheshwari , elements of financial management , sultan chand & sons
publishers.
 Dr.S.N. maheshwari , financial management(principles &practice) , sultan chand & sons
publishers.
 M.Y. khan, P.K. jain, management accounting(text problems & cases) the Mc Graw Hill
publishers.
 T.S.Reddy, Y.Hari Prasad Reddy, management accounting, margham publishares.
 Saravanavel , Research Methodology, Kitab Mahal publishers.
 Ravilochan , Research Methodology, margham publishares. REPORTS
 Annual Report of ING VYSYA Bank 2018-2019

 . Annual Report of ING VYSYA Bank 2017-2018.

Website:
 https://money.rediff.com/companies/Kotak-Mahindra-Bank-Ltd/14060005/ratio

 https://www.kotak.com

 https://www.moneycontrol.com/news/tags/kotak-mahindra-bank.html