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COMPANY’S HISTORY
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HISTORY OF COMPANY
The Kotak Mahindra Group was born in 1985 as Kotak Capital Management Finance Limited.
This company was promoted by Uday Kotak, Sidney A. A. Pinto and Kotak & Company. the
custumer based of this group is more than 14 lakh.Industrialists Harish Mahindra and Anand
Mahindra took a stake in 1986, and that's when the company changed its name to Kotak
Mahindra Finance Limited.
The Kotak Mahindra group is a financial organization established in 1985 in India. It was
previously known as the Kotak Mahindra Finance Limited, a non-banking financial company. 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). Kotak Mahindra
Finance Ltd. is the first company in the Indian banking history to convert to a bank. Today it has
more than 20,000 employees and Rs. 10,000 crore in revenue.
Since the inception of the erstwhile Kotak Mahindra Finance Limited in 1985, it has been a
steady and confident journey leading to growth and success. The milestones of the group growth
story are listed below yearwise
2010 - 2005 2010 o Ahmedabad Derivatives and Commodities Exchange, a Kotak
anchored enterprise, became operational as a national commodity
exchange.
2009 o Kotak Mahindra Bank Ltd. opened a representative office in
Dubai
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o Entered Ahmedabad Commodity Exchange as anchor investor.
2008 o Launched a Pension Fund under the New Pension System.
2006 o Bought the 25% stake held by Goldman Sachs in Kotak Mahindra
Capital Company and Kotak Securities.
2005 o Kotak Group realigned joint venture in Ford Credit; their stake in
Kotak Mahindra Prime was bought out (formerly known as Kotak
Mahindra Primus Ltd) and Kotak group’s stake in Ford credit
Kotak Mahindra was sold.
o Launched a real estate fund.
2004 - 2000
2004 o Launched India Growth Fund, a private equity fund.
2003 o Kotak Mahindra Finance Ltd. converted into a commercial bank -
the first Indian company to do so.
2001 o Matrix sold to Friday Corporation.
o Launched Insurance Services.
o Kotak Securities Ltd. was incorporated
2000 o Kotak Mahindra tied up with Old Mutual plc. for the Life
Insurance business.
o Kotak Securities launched its on-line broking site.
o Commencement of private equity activity through setting up of
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Kotak Mahindra Venture Capital Fund.
1998 o Entered the mutual fund market with the launch of Kotak
Mahindra Asset Management Company.
1996 o The Auto Finance Business was hived off into a separate
company - Kotak Mahindra Prime Ltd (formerly known as Kotak
Mahindra Primus Ltd).
o Kotak Mahindra took a significant stake in Ford Credit Kotak
Mahindra Ltd, for financing Ford vehicles.
o The launch of Matrix Information Services Ltd marked the
Group's entry into information distribution.
1995 o Brokerage and Distribution businesses incorporated into a
separate company - Kotak Securities.
o Investment Banking division incorporated into a separate
company - Kotak Mahindra Capital Company.
994 - 1990
1992 o Entered the Funds Syndication sector
1991 o The Investment Banking Division was started. Took over
FICOM, one of India's largest financial retail marketing networks
1990 o The Auto Finance division was started
1989 - 1985
1987 o Kotak Mahindra Finance Ltd entered the Lease and Hire Purchase
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market
1986 o Kotak Mahindra Finance Ltd started the activity of Bill
Discounting
Kotak Mahindra is one of India's leading banking and financial services groups, offering a wide
range of financial services that encompass every sphere of life.Kotak Mahindra Bank Ltd
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 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 life insurance
Kotak Mahindra Old Mutual Life Insurance Ltd is a 74:26 joint venture
between Kotak Mahindra Bank Ltd., its affiliates and Old Mutual plc. A Company that
combines its international strengths and local advantages to offer its customers a wide
range of innovative life insurance products, helping them take important financial
decisions at every stage in life and stay financially independent. The company covers
over 3 million lives and is one of the fastest growing insurance companies in India.
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Kotak Securities Ltd
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:
o Stock Broking (retail and institutional)
o Depository Services
o Portfolio Management Services
o Distribution of Mutual Funds
o Distribution of Kotak Mahindra Old Mutual Life Insurance Ltd products
Kotak Mahindra Capital Company (KMCC)
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.
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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 (KMPL)
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
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.
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Kotak Mahindra Asset Management Company Ltd (KMAMC)
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 (KPEG)
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
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
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development projects and enterprise level investments, both in real estate intensive
businesses.
TRADING HISTORY
History
1. Before 1979, when CompuServe marketed MicroNET to consumers, no individual used
the net, just businesses. MicroNET, the retail branch of CompuServe, found an outlet at
Radio Shack and soon gained wide appeal and it accounted for over 50 percent of the
company's income by the year 1987 when it took back the parent name, CompuServe.
The Source, its competitor that also started in 1979, grew rapidly. However, CompuServe
bought them out in 1989.
Time Frame
2. Imagine the enthusiasm of Bernie Newcomb when Phil Porter shared his idea about
trading stock on a personal computer back in 1980. Newcomb understood programming
and developed the necessary one to successfully trade a stock. A dentist in Michigan
made the first stock trade on July 11, 1983. This was the first trade for the company
Trade*Plus. It took 9 more years before the company was named the fastest growing
company in Silicon Valley and by 1996, Trade*Plus received the new name E-Trade
Group.
Features
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3. Other companies entered the market for consumer stock trading. First Omaha Securities,
Inc. became a clearing broker in 1983. It changed its name to Accutrade. Later when they
were part of a holding company in 1987 the name changed again to TransTerra Company
Inc 1987 and eventually became AmeriTrade in 1996. It offered the first order system via
the touch-tone phone in 1988. Slowly the necessity of the broker started to seem less
important.
Considerations
4. Bernie Newcomb and Phil Porter split as partners and Porter started a new company, E-
Trade Group. E-Trades Securities was a subsidiary, and the primary reason for the
company. It offered services to the public that allowed trading on both America Online
and CompuServe. Later when the firm grew dramatically, by 1996, it went public and the
changed the name to E*Trade Financial.
Effects
5. The market gets bullish for the 1990's. This fact, coupled with the lower cost of Internet
access started to drive the uses of the Internet. Communication via email and total access
to the web made the transition easy for millions of people. Now, they no longer had to
call a broker or schedule an appointment. The Web was open 24 hours a day and the
market was hot. By January of 1996, AmeriTrade introduced "Accutrade for Windows"
and developed the first eBroker.
Benefits
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6. Discount brokerage houses grew, as did online trading. Schwab, one of the innovators of
discount brokerage services, offered the first 24-hour quotation service to clients in 1980.
By the year 1996, they offered live trading on the web. Other companies also jumped into
the action. The American public fell in love with online trading because even an idiot
could make money in the stock market during the excessively bullish 1990's. The cost of
a trade was dramatically lowered. At first, a $24 trade was magnificent. However, as
companies grew more web-based the price dropped. When the market went south in 1999
and early 2000, web brokers slashed even more at the cost of the trade to maintain their
clients. Today, Online stock trading accounts are owned by most people that invest. Even
if they use the services of a broker, they normally have the option of trading stock on
their own, via the Internet.
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Basics of Indian Share Market Share
Share is nothing but the Ownership of the company divided into small parts and each part is
called as Share or Stock.A person carrying a share of a company holds that part of ownership in
that company.
A person holding maximum shares has maximum ownership like directors, chairman etc.
Share Market
A Share market is the place where buying and selling of shares takes place. Now days due to
internet and advanced technology there is no need to be physical present in exchanges like NSE
and BSE but the buying and selling of shares takes place from anywhere in India and also from
foreign country. One should need the demat account, computer and internet connection and
he/she can start trading.
Share market and its analysis
Financial markets like NSE (National Stock Exchange) and BSE (Bombay Stock Exchange) are
countries economic barometer (a guide to economic growth). Stock markets like NSE and BSE
are the stock exchanges where the trading of a company's stock takes place.
First let us understand the Working of a share (stock) market
To learn about how you can earn on the stock market, one has to understand how it works.
When a person want to buy/sell shares in the share market then he has to first place the order
with a broker or can do themselves using online trading systems (this will be discussed later).
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When you place the buy order, the message is transferred to the exchange [either NSE {National
Stock Exchange} or BSE {Bombay Stock Exchange}] and the order stays in the queue of
exchange's other orders and gets executed if the price of that share comes to that value. Once you
get the confirmation of this transcation,the shares purchased, will be sent to your demat
account.The shares will be in electronic format in demat account.
Rolling Settlement Cycle: (RSC)
RSC means when you will get your shares in your demat account.In a rolling settlement, each
trading day(T) is considered as a trading period and trades executed during the trading day(T) are
settled on a T+2 basis i.e. trading day plus two working days. So on forth working day you can
see the shares in your demat account
What is Demat account and why it is required?
Securities and Exchange Board of India (SEBI) is a board (corporate body) appointed by the
Government of India in 1992 with its head office at Mumbai. Its one of the function is helping
the business in stock exchanges and any other securities markets. In another word it is the
regulator for stock exchanges.
# Demat (short form of Dematerialization) is the process by which an investor can get shares
(also called as physical certificates) converted into electronic form maintained in an account with
the Depository Participant (DP).
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# DP could be organizations involved in the business of providing financial services like banks,
brokers, financial institutions etc. DP’s are like agents of Depository.
# Depository is an organization responsible to maintain investor's securities (securities can be
shares or any other form of investments) in the electronic form.In India there are two such
organizations called NSDL (National Securities Depository Ltd.) and CDSL (Central Depository
Services India Ltd.)
# Investor’s wishing to open Demat account has to go DP and open the account.
# Opening the Demat account is as simple as opening the bank account with any bank. As you
need bank account to save your money, make cheque payments etc, likewise you need to open a
demat account if you want to buy and sell stocks in share market.
# All shares what you possess will show in your demat account, so you don't have to possess any
physical certificates. They are all held electronically in your demat account. As you buy and sell
the shares accordingly your shares will get adjusted in your demat account.
Is a demat account a must?
YES. The market regulator, the Securities and Exchange Board of India (SEBI), has made it
compulsory to open the demat account if you want to buy and sell shares in share market.
So a demat account is a must for trading and investing in share market.
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How to open a Demat account?
You have to approach a DP to open a Demat account.Most banks are DP participants so you may
approach them or else you can contact us.
To have latest list of registered DP please visit websites www.nsdl.co.in and
www.cdslindia.com.
A broker and a DP are two different people. A broker is a member of the stock exchange, who
buys and sells shares on his behalf and also on behalf of his customers.
Following are the documents required to open Demat account
When you approach any DP, you will be guided through the formalities for opening a demat
account. The DP will ask to provide some documents as proof of your identity and address.
Below is a list but you may not require all of them.
PAN card, Voter’s ID, Passport, Ration card, Driver’s license, Photo credit card Employee ID
card, IT returns, Electricity/ Landline phone bill etc.
Do you need any shares to open a Demat account?
NO. You need not have to have any shares to open a demat account. A demat account can be
opened with no balance of shares. And there is no minimum balance to be maintained either.
You can have a zero balance (shares) in your account.
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How much it cost to open a Demat account?
The charges for demat account opening, annual account maintenance fees and transaction
charges varies between various DP’s. To have latest charges please visit websites of
www.nsdl.co.in and www.cdslindia.com or else you need to contact the specific broker.
Finally
After successfully opening the demat account you are ready to do buy and sell shares in share
market exchanges like BSE and NSE.
Important points to remember while opening online account
Do multiple enquiries and try get low brokerage trading account.
Also discuss about the margin they provide for day trading.
Discuss about fund transfer. The fund transfer should be reliable and easy.
Fund transfer from your bank account to trading account and visa versa. Some online share
trading account has integrated savings account which makes easy for you to transfer funds from
your saving account to trading account.
Very important is about service they provide, the research calls, intraday or daily trading tips.
Also enquire about their services charges and any other hidden fees if any.
And also see how reliable and easy is to contact them in case if any emergency.Emergency
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like buying and selling of shares on immediate basis or in case of any technical or other
problems at your side while doing trading yourself.
Investing!! What's that
Judging by the fact that you've taken the trouble to navigate to this page my guess is that you
don't need much convincing about the wisdom of investing. However, I hope that your quest for
knowledge/information about the art/science of investing ends here. Read on. Knowledge is
power. It is common knowledge that money has to be invested wisely. If you are a novice at
investing, terms such as stocks, bonds, futures, options, Open interest, yield, P/E ratio may sound
Greek and Latin. Relax. It takes years to understand the art of investing. You're not alone in the
quest to crack the jargon. To start with, take your investment decisions with as many facts as
you can assimilate. But, understand that you can never know everything. Learning to live with
the anxiety of the unknown is part of investing. Being enthusiastic about getting started is the
first step, though daunting at the first instance. That's why my investment course begins with a
dose of encouragement: With enough time and a little discipline, you are all but guaranteed to
make the right moves in the market. Patience and the willingness to invest your savings across a
portfolio of securities tailored to suit your age and risk profile will propel your revenues and
cushion you against any major losses. Investing is not about putting all your money into the
"Next big thing," hoping to make a killing. Investing isn't gambling or speculation; it's about
taking reasonable risks to reap steady rewards.
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Investing is a method of purchasing assets in order to gain profit in the form of reasonably
predictable income (dividends, interest, or rentals) and appreciation over the long term.
Why should you invest?
Simply put, you should invest so that your money grows and shields you against rising inflation.
The rate of return on investments should be greater than the rate of inflation, leaving you with a
nice surplus over a period of time. Whether your money is invested in stocks, bonds, mutual
funds or certificates of deposit (CD), the end result is to create wealth for retirement, marriage,
college fees, vacations, better standard of living or to just pass on the money to the next
generation or maybe have some fun in your life and do things you had always dreamed of doing
with a little extra cash in your pocket. Also, it's exciting to review your investment returns and to
see how they are accumulating at a faster rate than your salary.
When to Invest?
The sooner the better. By investing into the market right away you allow your investments
more time to grow, whereby the concept of compounding interest swells your income by
accumulating your earnings and dividends. Considering the unpredictability of the markets,
research and history indicates these three
golden rules for all investors
1. Invest early
2. Invest regularly
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3. Invest for long term and not short term
While it’s tempting to wait for the “best time” to invest, especially in a rising market, remember
that the risk of waiting may be much greater than the potential rewards of participating. Trust in
the power of compounding. Compounding is growth via reinvestment of returns earned on your
savings. Compounding has a snowballing effect because you earn income not only on the
original investment but also on the reinvestment of dividend/interest accumulated over the years.
The power of compounding is one of the most compelling reasons for investing as soon as
possible. The earlier you start investing and continue to do so consistently the more money you
will make. The longer you leave your money invested and the higher the interest rates, the faster
your money will grow. That's why stocks are the best long-term investment tool. The general
upward momentum of the economy mitigates the stock market volatility and the risk of
losses. That’s the reasoning behind investing for long term rather than short term.
How much to invest?
There is no statutory amount that an investor needs to invest in order to generate adequate returns
from his savings. The amount that you invest will eventually depend on factors such as:
1 Your risk profile 2. Your Time horizon 3. Savings made Remember that no amount is too
small to make a beginning. Whatever amount of money you can spare to begin with is good
enough. You can keep increasing the amount you invest over a period of time as you keep
growing in confidence and understanding of the investment options available and So instead of
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just dreaming about those wads of money do something concrete about it and start investing soon
as you can with whatever amount of money you can spare.
Investment is a term with several closely-related meanings in finance and economics.
It refers to the accumulation of some kind of asset in hopes of getting a future return from it.
Assets such as equity shares or bonds held for their financial return (interest, dividends or capital
appreciation), rather than for their use in the organization’s operations.
Return on Investments
The money you earn or lose on your investment, expressed as a percentage of your original
investment.In Simple words, It is the amount received as a result of investing in particular
ventures.
Collective Investments Schemes
Funds which manage money for a number of investors and pool it together. This enables
investors to benefit from a larger number of individual investments and cost efficiencies.
Short-Term Investments
Short-Term Investments are generally investments with maturities of less than one year.
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Capital Investments
Investments into the fixed capital (capital assets), including costs for the new construction,
expansion, reconstruction and technical reequipment of the operating enterprises, purchase of
machinery, equipment, tools, accessories, project and investigation works and other costs and
expenditures.
There are two ways for investors to get shares from the primary and secondary markets. In
primary markets, securities are bought by way of public issue directly from the company. In
Secondary market share are traded between two investors.
In finance a share is a unit of account for various financial instruments including stocks,
mutual funds, limited partnerships, and REIT's. In British English, the usage of the word share
alone to refer solely to stocks is so common that it almost replaces the word stock itself.In simple
Words, a share or stock is a document issued by a company, which entitles its holder to be one
of the owners of the company. A share is issued by a company or can be purchased from the
stock market.By owning a share you can earn a portion and selling shares you get capital gain.
So, your return is the dividend plus the capital gain. However, you also run a risk of making a
capital loss if you have sold the share at a price below your buying price.
A company's stock price reflects what investors think about the stock, not necessarily what the
company is "worth." For example, companies that are growing quickly often trade at a higher
price than the company might currently be "worth." Stock prices are also affected by all forms of
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company and market news. Publicly traded companies are required to report quarterly on their
financial status and earnings. Market forces and general investor opinions can also affect share
price.
Quick Facts on Stocks and Shares
Owning a stock or a share means you are a partial owner of the company, and you get
voting rights in certain company issues
Over the long run, stocks have historically averaged about 10% annual returns However,
stocks offer no guarantee of any returns and can lose value even in the long run
Investments in stocks can generate returns through dividends, even if the price
How does one trade in shares ?
Every transaction in the stock exchange is carried out through licensed members called brokers.
To trade in shares, you have to approach a broker However, since most stock exchange brokers
deal in very high volumes, they generally do not entertain small investors. These brokers have a
network of sub-brokers who provide them with orders.
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The general investors should identify a sub-broker for regular trading in shares and palce
his order for purchase and sale through the sub-broker. The sub/broker will transmit the
order to his broker who will then execute it .
What are active Shares ?
Shares in which there are frequent and day-to-day dealings, as distinguished from partly active
shares in which dealings are not so frequent. Most shares of leading companies would be
active, particularly those which are sensitive to economic and political events and are, therefore,
subject to sudden price movements. Some market analysts would define active shares as those
which are bought and sold at least three times a week.
Demat refers to a dematerialised account .
Though the company is under obligation to offer the securities in both physical and demat
mode, you have the choice to receive the securities in either mode.If you wish to have securities
in demat mode, you need to indicate the name of the depository and also of the depository
participant with whom you have depository account in your application.
It is, however desirable that you hold securities in demat form as physical securities carry the
risk of being fake, forged or stolen.Just as you have to open an account with a bank if you want
to save your money, make cheque payments etc, Nowadays, you need to open a demat account
if
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you want to buy or sell stocks.
So it is just like a bank account where actual money is replaced by shares. You have to approach
the DPs (remember, they are like bank branches), to open your demat account. Let's say your
portfolio of shares looks like this: 150 of Infosys, 50 of Wipro, 200 of HLL and 100 of ACC. All
these will show in your demat account. So you don't have to possess any physical certificates
showing that you own these shares. They are all held electronically in your account. As you
buy and sell the shares, they are adjusted in your account. Just like a bank passbook or
statement, the DP will provide you with periodic statements of holdings and transactions.
Is a demat account a must?
Nowadays, practically all trades have to be settled in dematerialised form. Although the market
regulator, the Securities and Exchange Board of India (SEBI), has allowed trades of upto 500
shares to be settled in physical form, nobody wants physical shares any more.So a demat
account is a must for trading and investing.Most banks are also DP participants, as are many
brokers. You can choose your very own DP. To get a list, visit the NSDL and CDSL websites
and see who the registered DPs are.A broker is separate from a DP. A broker is a member of the
stock exchange, who buys and sells shares on his behalf and on behalf of his clients.
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COMPANY’S PROFILE
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COMPANY PROFILE
Mr. Uday S. Kotak
Executive Vice Chairman and Managing Director
Mr. Uday Kotak, 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
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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. He was named as CNBC TV18 India Business Leader of the Year 2008 and as the
most valued CEO by businessworld in 2010.
Mr. C Jayaram
Executive Director
Mr. C. Jayaram, 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 member of 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 has 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.
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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.
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.
Kotak Securities Ltd., a 100 % subsidiary of Kotak Mahindra Bank, is one of the oldest and
largest stock brokers in the Industry.
Our offerings include stock broking services for stock trading through the branch and Internet,
Investments in IPO, Mutual funds and Portfolio management services.
Our Accolades include: Best Broker in India by FinanceAsia for 2010 & 2009 UTI MF –
CNBC TV18 Financial Advisor Awards - Best Performing Equity Broker (National) for the year
2009 Best Brokerage Firm in India by Asia0money in 2009, 2008, 2007 & 2006 Best
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Performing Equity Broker in India – CNBC Financial Advisor Awards 2008 Avaya Customer
Responsiveness Awards (2007 & 2006) in Financial Services Sector The Leading Equity House
in India in Thomson Extel Surveys Awards for the year 2007 Euromoney Award (2007 & 2006)
- Best Provider of Portfolio Management: Equities Euromoney Award (2005)-Best Equities
House In India Finance Asia Award (2005)-Best Broker In India Finance Asia Award (2004)-
India's best Equity House Prime Ranking Award (2003-04)- Largest Distributor of IPO's
We have been the first in providing many products and services which have now become
industry standards. Some of them are:
Facility of Margin Finance to the customers for online stock trading Investing in IPOs and
Mutual Funds on the phone SMS alerts before execution of depository transactions Mobile
application to track portfolio of your investments in stock market AutoInvest - A systematic
investing plan in Equities and Mutual funds Provision of margin against securities automatically
against shares in your Demat account
We have a full-fledged research division involved in Macro Economic studies, Sectoral research
and Company Specific Equity Research which publishes in-depth stock market analysis. This
combined with a strong and well networked sales force which helps deliver current and up to
date market information and news.
We are also a depository participant with National Securities Depository Limited (NSDL) and
Central Depository Services Limited (CDSL), providing dual benefit services wherein the
investors can avail our stock broking services for executing the transactions and the depository
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services for settling them. We process more than 400000 trades a day which is much higher even
than some of the renowned international brokers.
Our network spans over 400 cities with 1200 outlets.
Kotak Securities Limited has Rs. 2250 crore of Assets Under Management (AUM) as of 30 th
June, 2010. The portfolio Management Service provides top class service, catering to the high
end of the market. Portfolio Management from Kotak Securities comes as an answer to those
who would like to grow exponentially on the crest of the stock market, with the backing of an
expert.
Kotak Securities Ltd., a 100 % subsidiary of Kotak Mahindra Bank, is one of the oldest and
largest stock brokers in the Industry.
Our offerings include stock broking services for stock trading through the branch and Internet,
Investments in IPO, Mutual funds and Portfolio management services
Our Accolades include:
Best Broker in India by FinanceAsia for 2010 & 2009
UTI MF – CNBC TV18 Financial Advisor Awards - Best Performing Equity Broker
(National) for the year 2009
Best Brokerage Firm in India by Asia0money in 2009, 2008, 2007 & 2006
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Best Performing Equity Broker in India – CNBC Financial Advisor Awards 2008
Avaya Customer Responsiveness Awards (2007 & 2006) in Financial Services Sector
The Leading Equity House in India in Thomson Extel Surveys Awards for the year 2007
Euromoney Award (2007 & 2006) - Best Provider of Portfolio Management: Equities
Euromoney Award (2005)-Best Equities House In India
Finance Asia Award (2005)-Best Broker In India
Finance Asia Award (2004)- India's best Equity House
Prime Ranking Award (2003-04)- Largest Distributor of IPO's
We have been the first in providing many products and services which have now become
industry standards. Some of them are:
Facility of Margin Finance to the customers for online stock trading
Investing in IPOs and Mutual Funds on the phone
SMS alerts before execution of depository transactions
Mobile application to track portfolio of your investments in stock market
AutoInvest - A systematic investing plan in Equities and Mutual funds
32
Provision of margin against securities automatically against shares in your Demat account
We have a full-fledged research division involved in Macro Economic studies, Sectoral research
and Company Specific Equity Research which publishes in-depth stock market analysis. This
combined with a strong and well networked sales force which helps deliver current and up to
date market information and news
We are also a depository participant with National Securities Depository Limited (NSDL) and
Central Depository Services Limited (CDSL), providing dual benefit services wherein the
investors can avail our stock broking services for executing the transactions and the depository
services for settling them. We process more than 400000 trades a day which is much higher even
than some of the renowned international brokers
Our network spans over 400 cities with 1200 outlets
Kotak Securities Limited has Rs. 2250 crore of Assets Under Management (AUM) as of 30 th
June, 2010. The portfolio Management Service provides top class service, catering to the high
end of the market. Portfolio Management from Kotak Securities comes as an answer to those
who would like to grow exponentially on the crest of the stock market, with the backing of an
expert.
33
Welcome to the Media Kit. Whether you are looking for that one fact, milestone or just the latest
news about Kotak Securities, you are at the very right place.
The information within the Media Kit shall help you know us better and provide you with the
corporate profile, press coverages and the latest events at Kotak Securities.
This section has been designed to provide Individuals with easy access to all the information and
thus acts as a comprehensive data reserve.
Check out the latest news and press releases Kotak Securities and get a glimpse into the
accomplishments, happenings and events.
At Kotak Securities, we are always looking for individuals with the desire, drive and creativity to
find solutions that help meet our clients' needs - individuals who want the opportunity to learn
and grow with the organization. We place a premium on high performance, quality service and
the ability to execute strategy.
Above all, we are committed to serve our clients, so we seek employees with the highest ethical
standards, who want to make a difference in people's lives.
34
Corporate Profile
Kotak Mahindra is one of India's leading banking and financial services organizations, offering a
wide range of financial services that encompass every sphere of life. From commercial banking,
to stock broking, to mutual funds, to life insurance, to investment banking, the group caters to
the diverse financial needs of individuals and corporate sector.
The group has a net worth of over Rs. 100.6 billion and has a distribution network of branches,
franchisees, representative offices and satellite offices across cities and towns in India, and
offices in New York, London, San Francisco, Dubai, Mauritius and Singapore servicing around
8 million customer accounts.
Kotak Group Products & Services:
Bank
Life Insurance
Mutual Fund
Car Finance
Securities
Institutional Equities
Investment Banking
Kotak Mahindra International
Kotak Private Equity
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Kotak Realty Fund
Press Release
Kotak Securities in the News
Its Biz as usual on D street despite Bandh
(Tuesday, 06th July 2010)
Stock Recos
(Monday, 05th July 2010)
Broking Firms revive expansion plans
(Tuesday, 29th June 2010)
Proper Homework is advisable
(Sunday, 23rd May, 2010)
Sensex at 19 - 20K by 2010 end
(Tuesday, 11th May, 2010)
Rally in the bank stocks may have run its course.
(Wednesday, 21st April, 2010)
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Currency fluctuation will not trigger FII exit, only hot money may flow out.
(Monday, 12th April, 2010)
Broking firms take a hit as investors play it safe
(Thursday, 18th March, 2010)
Expect no value change in Short term
(Thursday, 11th February, 2010)
India Inc sees only temporary relief in commodity prices
(Monday, 08th February, 2010)
Top 5 picks of the day
(Tuesday, 04th February, 2010)
Stockrecos
(Tuesday, 04th February, 2010)
Expect no value change in Short term
(Friday, 13th November, 2009)
Fund houses, wealth planners push MFs through PMS route
(Wednesday, 2nd September, 2009)
37
HCL Tech quarterly profit doubles, sees tough…
(Wednesday, 26th August, 2009)
HCL Tech in the black, but stays cautious
(Wednesday, 26th August, 2009)
HCL's Q4 income more than doubles
(Wednesday, 26th August, 2009)
High Stakes For Options
(Monday, 31st August, 2009)
Do initial calculations before investing in a public offering
(Sunday, 16th August, 2009)
Sensex, Nifty earnings at a fourth-quarter high
(Monday, 3rd July, 2009)
Cautious Line In Troubled Times
(Monday, 20th July, 2009)
Infosys beats estimates with 17.3% profit in Q1, raises hopes
(Saturday, 11th July, 2009)
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Markets
(Wednesday, 8th July, 2009)
A Rally And Its Lessons
(Monday, 6th July, 2009)
Markets Up Marginally
(Monday, 6th July, 2009)
Targeting The Small Investor
(Monday, 29th June, 2009)
Playing the national anthem
(Friday, 12th June, 2009)
No rush for exit anytime soon, say brokers, fund managers
(Sunday, 31st May, 2009)
Where should you invest?
(Monday, 25th May, 2009)
We expect the market to trend upwards
(Sunday, 24th May, 2009)
39
Wary retail investors don't fall for feel-good rally, yet
(Thursday, 21st May, 2009)
Will this rally sustain ? (Monday, 11th May, 2009)
Antarrashtriya sanketon ke ulat bazaar ka rukh (Article in Hindi)
(Saturday, 9th May, 2009)
Corporate India puts up a spirited show in Q4
(Sunday, 3rd May, 2009)
Lost opportunity
Friday, 1st May, 2009)
Satyam ADR dips
(Tuesday, 14th April, 2009)
Demat account move into slow motion now
(Tuesday, 14th April, 2009)
Infrastructure, IT, Sugar stocks to do well in short term
(Monday, 13th April, 2009)
Where Is The Rally Headed
40
(Monday, 20th April, 2009)
Can quarterly results surprise on the upside?
(Friday, 17th April, 2009)
Sensex sees longest winning run in a year
(Friday, 10th April, 2009)
Stock rally puts Indian market ahead of developed world
(Monday, 30th March, 2009)
Mkts end strong ahead of recovery
(Thursday, 26th March, 2009)
Fed’s $1 tn recession remedy just…
(Friday, 20th March, 2009)
Incentive for bigger crime
(Thursday, 16th March, 2009)
Rs. 250cr forex loss cuts TCS profit
(Friday, 16th January, 2009)
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Tepid performance to continue
( Monday, 12th January, 2009)
Crystal gazing: star sectors for ‘09
(Friday, 2nd January, 2009)
Check out hottest stocks on bourses this year
(Thursday, 1st January, 2009)
Hangover will last well into 2009
(Thursday, 1st January, 2009)
42
WHY KOTAK SECURITIES?
Welcome to Kotak Securities. We see investing from your perspective, and make
recommendations based on your needs. One of our important goals is to simplify
investing for you, along with this we also provide long term values to our customers.
We have a million reasons for you to choose us. Listed below are a few:
Stability: We are a 100% subsidiary of Kotak Mahindra Bank and one of the oldest and
largest stock broking firms in the Industry. We have been the first and only NBFC to
receive the license to be converted into a bank.
Innovators in the Industry: We have been the first in providing many products and
services which have now become industry standards.
First to provide Margin Financing to the customers First to enable investing in IPOs and
Mutual Funds on the phone Providing SMS alerts before execution of depository
transactions Launching of Mobile application to track portfolio AutoInvest - A
systematic investing plan in Equities and Mutual fund Provision of margin against
securities automatically against shares in your Demat account
Reliability: Our accolades are a testimony to our services and high standards. We have
been awarded as:
43
Best Broker in India by FinanceAsia for 2010 & 2009 UTI MF - CNBC TV18 Financial
Advisor Awards - Best Performing Equity Broker (National) for the year 2009 Best
Brokerage Firm in India by Asiamoney in 2009, 2008, 2007 & 2006 Best Performing
Equity Broker in India – CNBC Financial Advisor Awards 2008 Avaya Customer
Responsiveness Awards (2007) in Financial Services Sector The Leading Equity House
in India' in Thomson Extel Surveys Awards for the year 2007 Euromoney Award (2006
& 2007) - Best Provider of Portfolio Management : Equities
Value: Whether you are a customer with a small or large wallet size, you can expect us to
bring value to you in every form.
Quality Research Quick trade execution Low brokerages Accounts that suit your
investment profile Risk Profiler Superior Customer Service
Service: We believe in high standards of service and that's precisely what we offer. It's
an honour to be awarded the most customer responsive company award in the Financial
Institution sector by AVAYA GlobalConnect Award both in 2006 and 2007
Robust Technology: We have developed our own proprietary trading platform which is
robust and among the best in the industry. We have more than 150 technology
professionals constantly working on upgrading and speeding up all our systems.
Centralised Risk Management System: Unlike many other players we have a
centralised risk management system. This allows us to offer the same levels of service to
customers across all locations.
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Exceptional Research: Unlike most other competitors we have our own in house
research team. Our in house research team is among the best in the industry and they
have years of experience in the financial markets. They scan through the plethora of
stocks and find the scrips that have a high potential of providing you good returns.
Our investors get research Technical, Fundamental, Derivatives, Macro-economic and
mutual fund research.
Large Presence: We are present in 448 cities with 1358 offices all over the country. Our
employee strength extends beyond 4100.
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CAREERS
Bright Careers
At Kotak Securities, we are always looking for individuals with the desire, drive and creativity to
find solutions that help meet our clients' needs - individuals who want the opportunity to learn
and grow with the organization. We place a premium on high performance, quality service and
the ability to execute strategy.
Above all, we are committed to serve our clients, so we seek employees with the highest ethical
standards, who want to make a difference in people's lives.
Work Culture
At Kotak Securities, we strive to create a work culture which gives you ample scope to display
your talent and help you grow as a professional and an individual.
Be a part of an organisation that is quintessentially Indian in it's values and ethics. Deal with a
global Indian brand placing emphasis on technology and adopting best practices along
international lines. An organization that rewards all it's employees for all their hard work, fosters
and encourages teamwork and collaboration and also encourages them to maintain a healthy
work–life balance.
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We are proud of having a flat hierarchy and offer an open door policy encouraging easy
accessibility to Senior Management. Our young and energetic work force provides positive and
dynamic environment for goal attainment.
We believe in including the “Fun” element in every employees’ work and providing
opportunities for learning and growth. Our enthusiastic and dedicated HR team organizes fun
activities throughout the year, celebrating festivals with inter divisional creativity contests,
fashion shows, talent shows and much more. Employees are encouraged to take part in Inter
Group tournaments of indoor and outdoor sports and are given opportunities to participate in all
external & internal Corporate Sports Activities.
Recognition program
We firmly believe that all employees need to be recognised for their contribution towards the
growth of the organisation which also encourages them increase their own internal benchmarks
and perform better. Formal and Informal recognition forms an integral part of our culture and our
team goes all the way to ensure that employees feel special.
I Applaud, an official but informal medium to appreciate the work and efforts of our colleagues,
team members, subordinates, etc.
Month on month the employees compete for being recognized as a part of our formal Reward
program, where prizes include trips abroad, team picnics etc. Additionally, we also recognize
employees for their dedication and loyalty.
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Employee Development Program (EDP)
We believe that constant learning is what contributes better growth in your career. Our
organisation constantly looks to provide learning opportunities to its employees which will equip
them to meet business challenges.
We are committed to the continuous Learning and Development of our employees in the areas
of functional, skill based and behavioral training. All training programs are planned and
implemented to support both the individual and organisation's objectives. Our Learning &
Development strategy focuses on creating an enriched and empowered workforce which is
capable of meeting new business challenges.
Current Openings
Kotak Securities is a growing organization and to keep up with the pace of growth, we are
constantly looking at hiring like minded people who will blend in with our culture. The
following are some of the positions where we are looking for achievers:
Leadership Speaks
I welcome you to join the Kotak Securities family. It's not only the Best Broking House in India*
but is also one of the best places to make your career.
We offer world class working environment and a young vibrant atmosphere where everyone has
chance to do well and grow.
We are a group of people who live out our dreams of being Manager entrepreneurs.
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So join us if you believe, you have the dreams and the passions to grow. We will guarantee you a
great learning experience and in line with our vision to be the most preferred employer in the
financial services space.
Manish Kumar
Senior Vice President & Head
Human Resource Department
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COMPANY’S PRODUCTS
&
SERVICES
50
PRODUCTS & SERVICES
Easy Equity & Derivatives
Investing in equity & derivatives was never so easy. As the Best share broker in India* our
products and services are focused at making investments in equity & derivatives as simple as
writing a cheque.
Research:
"What do I Buy?" Isn't this a common question we all have while investing in equity &
derivatives?
Our in house research team is among the best in the industry and they have years of experience
in the financial markets. Through in depth stock market analysis they offer stock
recommendations that have a high potential of providing you good returns. Know more
SMS Alerts:
You can get stock alerts on mobile in addition to expert tips and recommendations as SMS on
your mobile phone so that you know what to invest in at all times.
Trinity Account:
A 3 in 1 trading account that integrates your Trading, Bank and Demat account. With Trinity
Account your transactions will be seamless and very convenient.
Competitive Brokerages:
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We bring you brokerage rates which are among the most competitive in the industry. Our low
brokerage rates let you concentrate on investing your savings without worrying about the cost of
investment. Know more
Call and Trade:
You can capitalise on market opportunities even when your computer is inaccessible. Call &
Trade essentially provides you the convenience of trading in equity & derivatives by making a
simple phone call. Know more
KEAT Pro X:
Use this superior trading platform to monitor market movements, view your gains and losses
and order placements instantaneously. Know more
Mobile Stock Trader:
It is exclusively designed to give you instant access to the stock market through your mobile
phone, thereby allowing you to catch every little market movement when you are on the move.
Know more
Kotak Securities News:
You have access to comprehensive stock market news, right from its results, earnings, bonus,
share holding patterns etc. Also know about market developments, latest happenings, stock
movements and lots more.
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Twin Advantage:
You not only get exposure against the cash margin in your trading account but we also
automatically provide you with exposure against the shares lying idle in your DP account. All
this comes to you at no extra charges.
Easy Derivatives Trading
If you are not averse of taking risks, derivatives can prove to be a good investment option
especially with our research
We, at Kotak Securities, have strived to make trading in futures & options simpler. Our
derivatives seminars educate new entrants in the stock options & futures trading market to be
more equipped with knowledge and techniques. Once you have the knowledge of trading in
derivative instruments our daily derivative reports will provide you with strategies that may
yield good returns for you
You can also refer to the Kotak Securities Academy to learn more about derivatives.
To start trading in derivatives, all you need to do is open an online trading account. Choose from
our wide range of accounts to suit your investment needs.
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Easy IPO
Investing in IPOs is not complex anymore, Kotak Securities has made buying IPOs very simple.
All you have to do is make one phone call, and that's all. No IPO application forms, no queues,
simply pick the phone or log on to www.kotaksecurities.com and place your IPO order within
seconds.
We also provide with you with information on IPO News , Forthcoming IPOs in India and a
lots more.
To start investing in IPOs, all you need to do is open an online trading account. Choose from our
wide range of accounts that suits your investment needs.
To open an account, call us or fill in your contact details by clicking here and we will have our
representative meet you.
These demos will demonstrate the process to invest in IPO online.
1. How to Transfer Money from bank to IPO?
2. How to place an order for an IPO?
3. News Channel
54
Easy Mutual Fund
No more paperwork, no more queues. We have made investing in
Mutual funds
As simple as dialing a pizza.
You can now invest in over 3000 different mutual fund schemes (in the Indian stock market)
online or through your phone. And to make this choice of choosing between which
Mutual funds
Scheme to invest in,we offer you our exclusive mutual fund research.
Investment in mutual fund can be made simply by going online and logging on to
www.kotaksecurities.com or just making a phone call . No paperwork no queues. Simply pick
the phone or log on to www.kotaksecurities.com and place your order.
These demos will demonstrate the process to invest in Mutual Funds online.
1. How to Transfer Money from bank to Mutual Fund?
2. How to place an order/modify/cancel order?
3. News Channel
55
If we with its various challenges gives you opportunities to tackle them too. One of them is
getting insurance. We at Kotak Securities offer you a host of insurance options to help you stay
protected and financially secure.
You can choose from various plans based on your needs and make an informed financial
decision for you and your loved ones.
Currency Derivatives
"Never keep all your eggs in one basket" - Financial markets are a classic example of this
proverb. These markets all around the world in all categories and at all points of time have taught
us to keep our investments diversified into various instruments. Hence, we at Kotak Securities
have brought a new investment opportunity for all Resident Indians, who can now diversify their
portfolio, by trading in Currency Derivatives.
Currency derivative is a contract between the seller and buyer, whose value is to be derived from
the underlying asset, the currency amount. A derivative based on currency exchange rates is a
future contract which stipulates the rate at which a given currency can be exchanged for another
currency as at a future date.
For the first time this segment is accessible to the retail players in the Currency trading
56
market. Further, Kotak Securities clients will enjoy the following major advantages:
A) Currency Derivatives (Currency Futures), Equities and Mutual Funds can be traded on one
trading platform B) Your Cash margin with Kotak Securities can be used for all the three
segments C) Exclusive research reports and seminars for Currency Derivatives Trading
Portfolio Management services
What is Portfolio Management?
Managing investments in equities requires time, knowledge, experience and constant monitoring
of stock market. Those who need an expert to help to manage their investments,
Portfolio management services
(PMS) comes as an answer.
The business of portfolio management has never been an easy one. Juggling the limited choices
at hand with the twin requirements of adequate safety and sizeable returns is a task fraught with
complexities.
Given the unpredictable nature of the share market it requires solid experience and strong
research to make the right decision. In the end it boils down to make the right move in the right
direction at the right time. That's where the expert comes in.
57
ABOUT KOTAK SECURITIES PORTFOLIO MANAGEMENT.
Kotak Securities is one of India’s oldest portfolio management companies with over a decade of
experience. It is also one of the largest, with Assets Under Management of over Rs. 3300 Crores.
Kotak Portfolio Management comes as an answer to those who would like to grow exponentially
on the crest of stock market, with backing of an expert.
We, at Kotak, measure our success through the success of our clients. Whatever be your
requirement, we will tailor your stock market portfolio to your specific investment need.
At the very base of a financially sound portfolio lies the identification of one's investment
objective. We help you identify your investment objectives and also outline important
requirements like liquidity, capital appreciation, current income, time span and fiscal
implications and then suggest an appropriate scheme.
How do you benefit from our Portfolio Management Service?
An Investment Relationship Manager will ensure that you receive all the services related to your
investment needs
A dedicated website and a customer services desk allows you to keep a tab on your portfolio’s
performance
Your portfolio of investments in stock market is tailored after a thorough research backed by the
expertise from the Kotak Securities Research team
58
An experienced team of portfolio managers ensure your portfolio is tracked, monitored and
optimised at all times
The personalised services also translates into zero paper work and all your financial statements
will be e-mailed
Products We have a product for every investment need and period. Following are the offerings:
BEP – Large cap focus portfolio
NRI
TYPES OF ACCOUNTS
AutoInvest - Online Trading Account for Stocks, Gold ETF & Mutual Funds
Do you dream of being rich? Who doesn't? But not many have a investment strategy in place to
build wealth.
Presenting AutoInvest - an Online Trading Account based on Systematic Investment Planning,
in Gold ETFs (Exchange Traded Funds), Equities and Mutual Funds. Assistance in investments,
coupled with Systematic Investing, truly makes this product a very good option for investors.
AutoInvest provides a combination of Gold ETFs, Stocks and Mutual Funds recommended by
our Advisors, depending on an investor's risk appetite and investment view.
AutoInvest is unique from a general SIP in a way that it assesses the risk profile and investment
objectives of the investor, an important practice that Mutual Funds fail to carry. We offer 4
distinct Investment Portfolios based on your risk taking ability.
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Are you new to trading? Do you want to feel the waters before you swim? If Yes, this is an ideal
stock trading account for you. As an independent Investor, you will have access to all the
research and trading facilities to execute your trades. You can decide what to buy, when to buy
etc. either based on your own research or use Kotak Securities research.
Kotak Securities Gateway Account, an Online Trading Account opens the gateway to a world of
investing opportunities for you. You may be anywhere, anytime and still manage to place your
trades using the Internet or our Call and Trade Facility. Open the Kotak Securities Gateway
Account and get started!
Kotak Privilege Circle - Online Share Trading Account
Are you in search of the best online share trading and investing services for your individual
financial needs? You are at the right place; we offer you nothing but the best. Understanding
your individual investing needs we at Kotak Securities make sure you get to enjoy premium and
top of the line trading services only with Kotak Securities Privilege Circle. It is an internet based
trading account.
Executing your trades Independently with this online trading account gets you the lowest charges
in the industry as well as privileged services that only a few enjoy.
Advance Fee Account
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If you are a consistent investor in the stock market and would like to take the advantage of your
consistent trading then we offer you Advance Fee Account. As a benefit of your consistent
trading, we offer you extremely low charges during the validity period.
Based on your requirement you can choose a plan which will best suit your need. There are
various plans available starting from Rs.1000 with 6 months validity to Rs.4000 with 6 months
validity.
Portfolio Management services
What is Portfolio Management?
Managing investments in equities requires time, knowledge, experience and constant monitoring
of stock market. Those who need an expert to help to manage their investments,
Portfolio management services
(PMS) comes as an answer.
The business of portfolio management has never been an easy one. Juggling the limited choices
at hand with the twin requirements of adequate safety and sizeable returns is a task fraught with
complexities.
Given the unpredictable nature of the share market it requires solid experience and strong
61
research to make the right decision. In the end it boils down to make the right move in the right
direction at the right time. That's where the expert comes in.
About Kotak Securities Portfolio Management.
Kotak Securities is one of India’s oldest portfolio management companies with over a decade of
experience. It is also one of the largest, with Assets Under Management of over Rs. 3300 Crores.
Kotak Portfolio Management comes as an answer to those who would like to grow exponentially
on the crest of stock market, with backing of an expert.
We, at Kotak, measure our success through the success of our clients. Whatever be your
requirement, we will tailor your stock market portfolio to your specific investment need.
At the very base of a financially sound portfolio lies the identification of one's investment
objective. We help you identify your investment objectives and also outline important
requirements like liquidity, capital appreciation, current income, time span and fiscal
implications and then suggest an appropriate scheme.
How do you benefit from our Portfolio Management Service?
An Investment Relationship Manager will ensure that you receive all the services related to your
investment needs
A dedicated website and a customer services desk allows you to keep a tab on your portfolio’s
62
performance
Your portfolio of investments in stock market is tailored after a thorough research backed by the
expertise from the Kotak Securities Research team
An experienced team of portfolio managers ensure your portfolio is tracked, monitored and
optimised at all times
The personalised services also translates into zero paper work and all your financial statements
will be e-mailed
Products We have a product for every investment need and period. Following are the offerings:
BEP – Large cap focus portfolio
NRI
Non Discretionary Portfolio Management Service (NDPMS)
When you invest your hard earned money, it is imperative to know all about your investments.
Take a step forward towards Informed Investments, with Kotak Securities' Non Discretionary
Portfolio Management Service (NDPMS) - a consultative and transparent method of investing.
With NDPMS you are always consulted and informed of all investment decisions, thus giving
you total control of your portfolio.
How you benefit with NDPMS
63
Transparency:
At most times the rationale behind your investments is a matter of concern. With NDPMS our
Portfolio Managers will always keep you apprised of the reason behind investment decisions,
plus you are always kept up-to-date on the allocation and distribution of your funds.
Scientific Investment Decisions:
NDPMS provides a scientific and disciplined basis for investing. Besides you have the flexibility
of making investment decisions after speaking to our Research Team.
Expertise:
Traditional investment options do not provide a team of dedicated investment consultants.
NDPMS will provide you exclusive access to the Research Desk and their Proprietary Research
Reports.
Learn while your earn:
The Consultative Investment Approach of NDPMS gives you an opportunity to learn the
nuances, understand the rationale and details behind every investment decision.
Convenience:
View all your transactions online and get access to an auditor's report which simplifies tax filing.
64
The NDPMS research desk
A 12 member research team lead by an experienced Economist
Specialized Sector Analysts with diverse domain knowledge
Emphasis on global research and benchmarks
Active use of alternative research methodologies
According to the World Bank, India was already the fourth largest economy in 2001 in
terms of Purchasing Power Parity. With a consistently high GDP, and a buoyant and
dynamic economy, India continues to outpace other economies in the region. According
to the IMF, India has accounted for around a fifth of Asian growth and a tenth of world
growth over the past two years.
Indian companies are making their mark globally with remarkable progress being made
in IT, ITES, Pharmaceuticals, Biotechnology and a host of other sectors. There is reason
enough to believe that these sectors will source the stock markets as a prospective avenue
to source capital for expansion plans.
India has a vibrant domestic credit market with an active corporate and government bond
market, interest rate and credit derivative markets. More importantly, the interest rates in
India are determined by the market.
65
The Bombay Stock Exchange, founded in the 1870s, is the oldest stockexchange in Asia.
With 6,000 companies listed from every imaginable industry, investors have a plethora of
options to participate in India's growth. Most FII'S have started investing heavily in the
Indian stock markets and with most industries giving healthy returns on investments,
indications are that the markets will continue to perform above expectations.
With over 20 million investors, India boasts of the third highest investor base in the
world, unthinkable till a few years ago.
Speedy execution and Real time rates Time is of the essence. And in the stock market, every
second counts; which is why Kotak Securities brings you Real-Time Rates of stock price
movements as and when they happen. Plus news, ticker rates, many more advanced tools to help
you make the decisions!
Know instantly and react smart. Kotak gives you the ability to invest smartly.
Kotak Securities provides Speedy Execution in a fast moving environment with the very best in
trade technologies,
66
trading experience and the ability to understand the client’s specific needs to help meet and
exceed targets.
Trading in your hands With Kotak Securities, making your investment decisions becomes a lot
easier and speedier. All you need to do is trust your instinct and experience and go for the stocks
you want to - because we put trading in your hands, literally.
We understand the significance of executing your order at the time you think is right. In such
events, delay caused while consulting a party or broker can make you lose the opportune
moment.
Kotaksecurities.com gives you access to a full range of trading, investing and financial products.
Our advanced trading tools process information as soon as there is a price movement and help
you decide on your stocks instantly. You can also get real time quotes and live reports -
including Order report, Trade report and Net position Report, which you can easily see on your
desktop. Plus intraday charts, EOD charts (right from NSE inception) along with all the charting
tools and indicator which enables you to decipher the market trends. And lots more so that you
can get the best deal out of your stocks.
Super tools For an active trader like you, just knowing the market rates or price fluctuations is
not enough. Kotak Securities brings you a range of advanced on-line trading systems along with
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your online trading account where you can see, follow and analyse market movements and take
informed decisions, every time.
KEAT and KEAT Premium are two such trading tools that enable you to view unlimited scrips,
Intraday and historical charts for scrips, set scrip alerts, use most of the charting tools, view the
graphs type you want to, see derivative chains, see online order and trade confirmations, view
dynamic net positions, dynamic profit and loss, select indices/sectors or business groups and lots
more. All charts come with the best charting tools and indicators to help you decipher market
trends easily.
Designed specifically to your needs, you can further trim these tools to fit your requirements
comfortably. You can customise the tools so that you can view all charts and reports and much
more at a glance in one screen - so that stock trading is truly at your fingertips.
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INTRODUCTION TO THE TOPIC
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INTRODUCTION TO THE TOPIC
The objective of the project is to find the sales potential of Demat Account in Delhi and NCR
regions. The research will help what the current trends are in the market and the competitors
product offering are relates to share market and recommendations to increase the market share.
Specifically, the research objective is to:
1. To study the Mutual funds industry in detail- This will done by managing
2. The Various client relationship and educating them about the various benefits that
Mutual fund offer as compared to bank FD’s, National saving certificate etc. this
also involves studying in depth about the various schemes offered by PRINCIPAL
PNB Asset Management Company.
To study about the investment Procedure in Mutual funds
To study the investor’s preference in mutual funds by way of questionnaire And Personal
visits to clients.
To generate sales for the company
Awareness of the competitor’s product among investors.
Determine the type of services needed by the investors.
Gather and analyze the future aspirations of the investors with respect to the demat
account.
Rank and evaluate the relative importance the Share Market parameter associated with
the Demat Account.
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Comparative analysis of various mutual funds schemes of PRINCIPAL with that Of the
other on the bases of Alpha, beta, stander Deviation, Sharp ratio and Tenor ratio
This research will provide Standard chartered bank with information like current Market share of
Securities Company and also a detailed analysis of the services Offered by stock & securities
broker and stock & Securities Company and what are the most important criteria for selecting a
particular securities company. The company can also get data on prospective customer by
designing its product offering and marketing strategy in a way so as to attract more clients in the
near future.
The purpose of the undergone study is to study the Demat Account services of the different bank
& other securities companies & evaluates the competitive position of Standard chartered so as to
suggest way to increase its market share. The main problem faced by the company was that it
had a very less customer base. The company’s own product had very less market as compare to
it’s third party selling. The company does a third party selling for all the investment products.
The study thus focuses on following dimensions:
1. To identify the critical factors that influences the buying behavior of Investors.
2. To know the investor acceptance of the services of Standard chartered
3. bank in Delhi & NCR regions.
4. According to current scenario it is a very relevant Topic.
5. To assess the problem volume of future sales
Many big company are dealing in this market.
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METHODOLOGY
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RESEARCH METHODOLOGY
Research Methodology in a way is systematic representation of research or any other problem. It
is a written game plan for conducting research. It tends to describe the step taken by a researcher
in studying the research problem along with a logical background.
It tends to describe methodology for solution of the problem that has been taken for the purpose
of study this project focuses on the methodology for technique used for the collection,
classification & tabulation of the data. This plan throws light on the research problem, the
objective of study & limitation of the study. Therefore, in order to solve a problem, it is
necessary to design a research methodology for problem as the same way differs from problem
to problem.
Type of Research
Research methodology is a way to systematic solve the research problem. It is a procedure,
which is followed step by step to solve a particular research problem. There are basically four
types of researches
EXPLORATIVE RESEARCH
DESCRIPTIVE RESEARCH
DIAGNOSTIC RESEARCH
HYPOTHESIS TESTING RESEARCH
Explorative Research
To gain familiarity with the phenomenon or to achieve an insight into it.
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Descriptive Research
To poetry accurately the characteristic of the particular individual situation or a group.
Diagnostic Research
To determine the frequency with which something occurs or with which it is associate with
something else.
Hypothesis Testing Research.
To test a hypothesis of casual relationship between variables.
The present project is Descriptive in nature. It is done to poetry accurately the characteristic of a
particular individual situation or a group. The major purpose is descriptive research is the
description of the state of the affairs as it exits at presents. The main characteristics of this
method are that the researcher has no control over the variables; he can only report what has
happened or what is happening.
Statement of research problem
A research problem, refers to some difficulty which a researcher experiences in the context of
either a theoretical or practical situation and wants to obtain a solution for the same.
Here the research problem is mutual funds (special reference with PNB).
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Statement of research objectives
It aims at getting an insight in to Retail loan. It also aims at familiarized with the customer
during the market survey help me a lot in understanding the practical aspect of the loan as a
whole .
To give level of information to the customer. To give satisfaction regarding services
offered by bank
To make out which bank provide services with best resources
To know the awareness among the common man about loan which they want to take.
RESEARCH DESIGN AND METHODOLOGY
Research is a systemic and objective process of gathering recording and anayzing data for aid
of making decision regarding a particular problem.
RESEARCH DESIGN
The research design is a master plan specifying the methods and procedures for collecting
and analyzing the needed information the research design of my dissertation is
DESCRIPTIVE RESEARCH
Descriptive research includes surveys and facts findings inquiries of different kinds.
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RESEARCH INSTRUMENTS
QUESTIONNAIRE
SAMPLE DESIGN
target population people of industries
sample size 100 people
Sampling technique convenience and judgmental
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OBJECTIVIES
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OBJECTIVIES OF THE STUDY
The study is the part of academic curriculum of 3 years BBA therefore the primary objective of
this study is to fulfill the requirement for the award of BBA degree of C.C.S.UNIVERSITY
MEERUT.
The present study was carried out with the objective to know Scope of share market and its
various catchments areas of Punjab current securities company. So as to know strength and
weakness of share schemes of securities company, So that strengths can be increased and
weaknesses can be made “the best” in securities Industry.
To study the invester perceptions about various securities company.
To know the level of awareness among consumers about Share Market.
To make people know about the various products offered by securities company.
To know the interest level of the consumers to get associated with share market.
To collect various suggestions from the consumers to make share market better one.
To study the Mutual funds industry in detail- This will done by managing the Various
client relationship and educating them about the various benefits that Mutual fund offer
as compared to bank FD’s, National saving certificate etc. this also involves studying in
depth about the various schemes offered by PRINCIPAL of Securities Management
Company.
1. To study about the investment Procedure in Mutual funds.
2. To study the investor’s preference in mutual funds by way of Questionnaire and Personal
visits to clients.
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DATA ANALYSIS &
INTERPRETATION
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Jewellers, 69%
Logistics, 15%
Cloth Mfg., 2%
Softwares, 3%
Others, 11%
DATA ANALYSIS & INTERPRETATION
Type of companies
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Japan, 55%
China, 20%
Germany., 70%
Others, 15% ,
What are major countries through which you do import / export transactions
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Bank Guarantee,
40%
Remittances, 25%
Letter of Credit, 25%
Others, 15%,
For your foreign exchange transactions which form of facilities you’re use
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0-2 years21%
2-5 years16%
5-8 years19%
8 years & above44%
What is the tenure of your trading company guarantee?
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Financial Guarantee57%
Perfomance43%
0%0%
What is type of your company guarantee?
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Which form of remittances are you involved in?
Inward52%
Outward48%
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When an inward remittance is received what is the amount you convert it to Indian rupees
100% Conversion47%
INR29%
EEFC24%
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Yes54%
No46%
0%
Are you utilizing yours time in share trading with kotak Mahindra securities.
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Revocable22%
Irrevocable24%Confirmed
17%
Transferable 7%
Standby17%
Import Operation under L.C.
13%
Which type of trading you want on kotak securities?
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Poor12%
Satisfactory24%
Excelled16%
Very Good20%
Good28%
0%
How do you find trade products provided by kotak securities?
90
Updates13%
Technology11%
RM25%
Service37%
Product14% 0%
What are the areas of improvement?
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CONCLUSION
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CONCLUSION
After going through my whole study I came to the conclusion that different Company of India
either private or public both provides investment scheme With the objective to generate income.
They have many financial schemes regarding Commercial investment There are many people
who are satisfies with the Scheme. The procedure of Investing from this company is simple and
easy and also costumer friendly. I also come to know that many industrialist, traders, and new
entrepreneur were aware of these schemes.
Portfolio Diversification:- Mutual Funds invest in a well-diversified portfolio of securities which
enables investor to hold a diversified investment portfolio (whether the amount of investment is
big or small).
Professional Management:- Fund manager undergoes through various research works and has
better investment management skills which ensure higher returns to the investor that what he can
manage his own.
Less Risk:- Investors acquire a diversified portfolio of securities even with a small investment in
a Mutual Fund. The risk in a diversified portfolio is lesser than investing in merely 2 or 3
securities.
Low Transaction Costs:- Due to the economies of scale (benefits of larger volumes), mutual
funds pay lesser transaction costs. These benefits are passed on to the investors.
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Liquidity: - An investor may not be able to sell some of the shares held by him very easily and
quickly, whereas units of a mutual fund are far more liquid.
Choice of Scheme: - Mutual Funds provide investors with various schemes with different
investment objectives. Investors have the option of investing in a scheme having a correlation
between its investment objectives and their own financial goals. These schemes further have
different plans/options.
Transparency: - Funds provide investors with updated information pertaining to the markets and
the schemes. All material facts are disclosed to investors as required by the regulator.
Flexibility: - Investors also benefit from the convenience and flexibility offered by Mutual
Funds. Investors can switch their holdings from a debt scheme to an equity scheme and vice-
versa. Option of systematic (at regular intervals) investment and withdrawal is also offered to the
investors in most open-end schemes.
Safety:- Mutual Fund industry is a part of a well-regulated investment where the interests of the
investors are protected by the regulator. All funds are registered with SEBI and complete
transparency is forced
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LIMITATION
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LIMITATION
It is very small research, which may be insufficient to give the real picture scope of the
share market.
The research is based on collected data and the researcher is not responsible for any
wrong inference drawn due to the incorrect filling of the questionnaire by the
respondents.
The method of result is also limited to the reliability of method of investigations,
measurement and analysis of data.
People were not interested in filling questionnaire properly.
Investing scheme has been revised very soon.
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RECOMMENDATION
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RECOMMENDATION
Securities Company needs to provide such type of facilities as much as possible because
these students can be the future customers of the company for other services also. As far as
branches are concern they are not providing much attention on promoting these facilities as
compare to top management of the company so proper steps must be taken for that. Visiting
schools and colleges for promotion purpose is only practicing in Delhi region it should be on
national basis.In case of any kind of delay in service proper feedback system should be there.
More efficient staff should be appointed so that they can easily provides all the cooperation
required by the customer.Unnecessary formalities should be removed and should try to
reduced the large documentation process while sanctioned investing.Interior space should be
extended so that people will freely move during rush hour. News paper and magazines
should kept for customers, so that they feel relaxed until their transactions are over. As study
reveals that securities company schemes are the best as compare to there sector it should be
capitalized as much as possible.
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BIBLIOGRAPHY & REFERENCES
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BIBLIOGRAPHY & REFERENCES
www.sebi.gov.in
www.gogle.com
www.business.niapsofindia.com
www.ficci.com
www.networkmagaziineindia.com
www.kotaksecurities.com
www.onlinebrowking.com
REFERENCES
Business Magazines
Presentation by Trainers
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