Business Overview

Kotak Mahindra Bank Ltd. operates through 16 main business divisions including Consumer Banking, Commercial Banking, Wholesale Banking, Private Banking, Infrastructure Financing (Kotak Infrastructure Debt Fund Limited), Lending and Investments (Kotak Mahindra Investments Limited), Car and Two-Wheeler Loans (Kotak Mahindra Prime Limited), Stock Broking (Kotak Securities Limited), Investment Banking (Kotak Mahindra Capital Company Limited), Life Insurance (Kotak Mahindra Life Insurance Company Limited), General Insurance (Kotak Mahindra General Insurance Company Limited), Mutual Fund (Kotak Mahindra Asset Management Company Limited), Alternate Assets (Kotak Alternate Asset Managers Limited), Pension Fund (Kotak Mahindra Pension Fund Limited), International Business, Microcredit.

Business Hierarchy Structure for Kotak Mahindra Bank Ltd.

Kotak Mahindra Bank Ltd.
- Consumer Banking
  - Products and Services
    - Savings and Current Accounts
    - Term Deposits
    - Home Loans
    - Loans Against Property
    - Personal Loans
    - Consumer Finance
    - Business Banking
    - Credit Cards
    - Priority Banking
    - Small Business Loans
    - Private Banking
    - Rural Housing
    - Business Loans
    - FASTags
  - Digital Universe
    - UPI Initiatives
    - Digital Currency (CBDC)-Retail Transactions
  - Physical Footprint
    - Bank Branches
    - Bank ATMs
    - Bank Pan-India operating locations
    - Group branch network in India
- Commercial Banking
  - Products and Services
    - Tractors, Commercial Vehicles and Construction Equipment Loans
    - Loans to Small and Medium Enterprises in the Agri Value Chain
    - Logistics and EPC segments
    - Microcredit Loans to women borrowers under JLG
    - Gold Loans to Individuals and Small Businesses
- Wholesale Banking
  - Products and Services
    - Working capital finance
    - Medium-term finance
    - Project finance
    - Trade and supply chain finance
    - Foreign exchange services
    - Other transaction banking requirements
    - Custody services
    - Debt capital markets
    - Structured financing solutions
    - Treasury services
  - Industry
  - SME and Mid-Market Focus
- Private Banking
  - Products and Services
    - Investment Advisory
    - Investments
    - Family Office
    - Estate Planning
    - Banking Solutions
- Infrastructure Financing (Kotak Infrastructure Debt Fund Limited)
  - Product and Services
    - Long-term finance (Loans as well as NCDs)
- Lending and Investments (Kotak Mahindra Investments Limited)
  - Product and Services
    - Lending to developers across residential and commercial
    - Structured financing
- Car and Two-Wheeler Loans (Kotak Mahindra Prime Limited)
  - Product and Services
    - Finance options for passenger cars
    - Multi-utility vehicles
    - Two-wheelers
    - Inventory funding
    - Term loans for auto dealers
    - Loan Against Property (LAP)
- Stock Broking (Kotak Securities Limited)
  - Product and Services
    - Retail broking
    - Investment and trading in equities
    - Derivatives (equities, commodities, currency)
    - Mutual funds
    - Research services
    - Margin Trading Facility
    - Depository services
    - Third-party products (insurance)
    - Institutional equities
    - IPOs, block trades, qualified institutional placements, companies’ share buybacks and offers-for-sale
- Investment Banking (Kotak Mahindra Capital Company Limited)
  - Product and Services
    - Capital markets and advisory services
- Life Insurance (Kotak Mahindra Life Insurance Company Limited)
  - Product and Services
    - Savings
    - Protection
    - Investment
    - Health
    - Annuity
    - T.U.L.I.P - Term with Unit Linked Insurance Plan
    - Kotak Mid Cap Advantage Fund
    - Kotak GAIN – Get Assured Income Now
- General Insurance (Kotak Mahindra General Insurance Company Limited)
  - Product and Services
    - Motor Insurance
    - Health Insurance
    - Commercial Insurance
    - Travel insurance
    - Wallet insurance
    - Gadget insurance
    - Credit-linked insurance policies
- Mutual Fund (Kotak Mahindra Asset Management Company Limited)
  - Product and Services
    - Equity funds
    - Debt funds
    - Exchange-traded funds (ETFs)
    - Index funds
    - Overseas funds
- Alternate Assets (Kotak Alternate Asset Managers Limited)
  - Product and Services
    - Private Credit
    - Real Estate
    - Private Equity
    - Infrastructure
    - Investment Advisory
    - Kotak Cherry (digital platform)
- Pension Fund (Kotak Mahindra Pension Fund Limited)
  - Product and Services
    - Pension fund management
- International Business
  - Product and Services
    - India bound Asset Management
    - Investment Advisory
    - Alternate Assets
    - India bound Institutional Equities
    - Prime Brokerage
    - Global Bond Trading
    - International Wealth Management
- Microcredit
  - Product and Services
    - Microcredit Loans
    - Credit facilities to NBFC-MFIs
    - Credit facilities to NBFCs