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Privy league Insignia

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Page 1: Privy league Insignia

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Page 2: Privy league Insignia

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Page 3: Privy league Insignia

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THE KOTAK GROUP STRUCTURE

Kotak Mahindra

Capital Company

• Investment

Banking

Kotak Securities

• Stock Broking

• E Broking

Distribution

Kotak Mahindra

Investments

• Investment

• Lending

Kotak Mahindra

Prime

• Car Finance

• Other Lending

Kotak Mahindra

AMC

• Mutual Fund

Kotak Mahindra

Pension Fund

• National

Pension Funds

Kotak M

Trustee C

• Trustee

Compa

Kotak Mahindra

Financial Services

Ltd.

• Advisory

Services for

Middle East

Kotak Investment

Advisors

• Alternate assets

Kotak Mahindra

International

• Advisory

Services

• Investments

Kotak Mahindra

UK

• Asset

Management

• Broking

Kotak Mahindra

Inc

• Broker / Dealer

Kotak Mahindra

Trustee Services

• Trustee

Company

Kotak

Broke

• Forex

Brokera

Note: All companies are fully owned subsidiaries except K< Old Mutual Life insurance in which KMBL owns 74%

Commercial Bank &

Holding Company

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GEOGRAPHICAL PRESENCE OF KOTAK GROUP

…with Multiple Points of Presence 

Business Sept 30, 2014

Banking 641

Car Finance 74

Life Insurance 210

Securities 1,164

Mutual Fund 79

Total 2,168

   W   i    d   e   N   a   t   i   o   n   a    l   F   o   o   t   p   r   i   n   t …

International office situated at

 Abu Dhabi, Dubai, London,

Mauritius, New York, Singapore

 All figures are as of September 30, 2014

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THE BOUQUET OF BENEFITS

Specially for you

Preferential features & discountedcharges on your Savings Account.

Refer to the Privy League Insignia

general schedule of charges

Earn Higher on

Savings account balances

Earn 5% p.a. for balances up to 1

lac and 6% p.a. on balances

beyond 1 lac in your savings

account

Your security,

our priority

Get up to 75% discount onlocker rentals

Reducing hassles

Free at-par cheque books

SMS us at KPRIVY & we will handleyour transactions

Choose from a range

of products

Including business banking solutions

& Loans

The Bank comes home to you

Free home banking transactions

The ultimate lifestyle

complement

Privy League Visa Signature

Debit Card that’s packed with

lifestyle benefits

Save with

Term deposits , recurring deposits

& SIPs

Rest assured

Zero maintenance charges on

your Demat & Savings account

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PRIVY LEAGUE S IGNATURE DEBIT CARD

Special Offers and Discounts at

Merchant Outlets – great dealsat exclusive outlets in categories

such as Lifestyle, Fine dining,

Travel, Health and Fitness

Complimentary insurance

benefits on your card:

Air accident insurance cover

of INR 10,000,000 Lost card liability insurance

of INR 400,000

Lost baggage insurance of

INR 100,000

Purchase protection of INR

150,000

Accepted worldwide, this unique card

comes with a flexible usage limit

Default cash withdrawal and purchase

limit of INR 3,00,000 & INR 4,50,000

respectively per day

No fuel surcharge at any fuel station in

India

Visa Concierge Services – to help you with

booking flights, car rentals, hotels and

much more

2 Quarterly complimentary access to VISA

affiliated airport lounges

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PRIVY LEAGUE S IG NATURE CREDIT CARD

Complimentary Priority Pass membership

worth USD 99. With this Priority PassMembership, you get VIP access* to over

600 airport lounges spread across 100

countries.

Complimentary PVR tickets in every quarter

Reward Points: You now have the power to

choose your Reward Plan (Shopping/Travel),

which has been specially designed to suityour lifestyle. You can earn up to 10x reward

points as per the reward plan

Higher Credit Limits

Low interest rate :You will enjoy a low

monthly interest rate of 2.49%.

Fuel Surcharge Waiver: Save 2.5% fuel

surcharge across all petrol pumps inIndia

Kotak PVR offer – Buy 1 get 1 free on

Saturdays

VISA Signature offers:

 – Block buster weekends. Buy 1 ticket

& get 1 ticket free on

www.bookmyshow.com 

 – Visa Airport lounge access

For more information on VISA offers,

please refer to the link:

VISA Signature Credit Card Offers 

* This credit card is priced at an annual fee of Rs.5000/- which is waived off for insignia customers in the 1st 

 year.The above card benefits are not applicable from 2nd  year

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POWER OF KPRIVY

Features

Facilitates investment in Mutual funds, SIP, IPO,Term deposits, recurring deposits etc. along with

other financial and non financial transactions

Benefits

Customer convenience to transacsending an SMS to KPRIVY* 56767

*Applicable basis registered mobile number available wit

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KOTAK CA R LOANS

KMPL* has tie ups with almost all car

manufacturers / dealers in India including Toyota,

Honda, Maruti Suzuki, Tata Motors, Hyundai,

Volkswagen group, GM, Mahindra Renault

Wide Geographical coverage Servicing cu

across:

74 locations

15 States

Attractive interest rates

Flexible schemes

Speedy loan processing

* Offered by Kotak Mahindra Prime Ltd, a

kotak group company.

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HOME LOANS

Kotak Smart Home

Exclusive product for Privy League InsigniaCustomers

Disbursed in the form of Overdraft (up to 30%

of Loan amount) and Term Loan (at least 70%

of Loan amount)

Why this product over an ordinary home

Utilizes the excess funds in your savingsave interest on your Home Loan.

Competitive Rates

Full Waiver of Non-utilization Charges o

Foreclosure Charges on HL

Certificate of Interest and Principal pai

under Section 24(b) of the Income Tax contain the Interest paid in the Home L

as well as Smart Home Account (OD)

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GENERAL INSURANCE PRODUCTS

We protect your valuable assets & your health from various uncertainties

Car Insurance + Add ons Mediprime Home Insura

*Insurance products in this slide and the next slide are tie-ups

GENERAL INSURANCE

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L IFE INSURANCE

Fund Name 1 yr 3 yr 5 yr

Money Market 8.7% 8.9% NA

Dynamic Gilt Fund 11.2% 8.0% 7.4%

Dynamic Bond Fund 11.7% 8.6% 8.3%

Dynamic Floating 11.0% 9.7% 8.1%

Balanced Fund 31.2% 13.0% NA

Frontline Equity 47.1% 16.8% NA

Classic Opportunities 51.4% 17.4% NA

Fund Facts :

Entry Age : 0 – 65 yrs Maturity Age : 0 – 65 yrs

Tenure : 10 – 30 yrs Premium Mode : Annual/Qtly/Half Yearly/Monthly

For a healthy 30 year old male, an investment of Rs 50,000 per month for a period of 15 year

will yield Rs 1,46,56,650, assuming that the fund grows by 8% every year

Actual Fund Performances as on : 31-Aug-14

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FINANCIAL PLANNING PROCESS

Aim to understand financial positionand Objective of the client Initial Meeting Analysis

Analysis of current financial position and

explore all possible strategies

Preparation

Preparation of comprehensive S

of Advice including the most app

strategy and investment

recommendations

Presentation

Presentation of personalized Statemeof Advice. Queries may be discussed

the Financial Planner

Implementation

Execution Services of your investments in

accordance with your instructions

Ongoing

review

MeetingsRegular reviews of investment portfolio

and financial position

Kotak Bank provides these services as a value-add service and does not charge any fees with regard to the same. However,

distribution / commission / referral fees in respect of the products / services distributed /referred.

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FINANCIAL GOALS

Which financial goals are you planning for?

Leading a

comfortable

Retired Life

Children’s

Education

Buying a Dream

House

Children’s

Marriage

Vacation

Planning

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EXPECTATIONS FROM A F INANCIAL PLAN

Estate Planning services / Insurance services are provided by subsidiaries of Kotak Bank or through a thi

Major

purchases

Retirement

Estate

planning

NetworthEducation

funding

Insurances

Cash Flow

Asset

allocation

FINANCIAL

PLAN

INVESTING IN STOCK MARKETS FOR

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INVESTING IN STOCK MARKETS FOR

THE LONG TERM, PAYS

Date BSE Sensex 1-Year Roll Ret. Ann. 3-Year Roll Ret. Ann. 5-Year Roll Ret. Ann. 10-Year Roll R

31/12/1995 3,110.49 -20.79% 5.95% 24.28% 19.41%

31/12/1996 3,085.20 -0.81% -2.67% 10.07% 19.37%

31/12/1997 3,658.98 18.60% -2.33% 6.94% 23.51%31/12/1998 3,055.41 -16.50% -0.59% -1.80% 16.44%

31/12/1999 5,005.82 63.83% 17.51% 4.97% 20.44%

31/12/2000 3,972.12 -20.65% 2.77% 5.01% 14.24%

31/12/2001 3,262.33 -17.87% 2.21% 1.12% 5.50%

31/12/2002 3,377.28 3.52% -12.28% -1.59% 2.59%

31/12/2003 5,838.96 72.89% 13.70% 13.82% 5.72%

31/12/2004 6,602.69 13.08% 26.47% 5.69% 5.33%

31/12/2005 9,397.93 42.33% 40.61% 18.78% 11.68%

31/12/2006 13,786.91 46.70% 33.13% 33.39% 16.14%

31/12/2007 20,286.99 47.15% 45.38% 43.10% 18.67%

31/12/2008 9,647.31 -52.45% 0.88% 10.55% 12.17%31/12/2009 17,464.81 81.03% 8.19% 21.46% 13.30%

31/12/2010 20,509.09 17.43% 0.36% 16.88% 17.83%

31/12/2011 15,454.92 -24.64% 17.01% 2.31% 16.82%

31/12/2012 19,426.71 25.70% 3.61% -0.86% 19.10%

31/12/2013 21,170.68 8.98% 1.06% 17.01% 13.73%

Min Returns -52.45% -12.28% -1.80% 2.59%

Max Returns 81.03% 45.38% 43.10% 23.51%

 Average Returns 15.13% 10.58% 12.17% 14.32%

Standard Deviation 36.65% 15.74% 12.21% 5.89%

Source: Bloomberg

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SIP  –   THE CONCEPT

Systematic Investment Plan (SIP) is a simple and

time honored investment strategy for accumulation

of wealth in a disciplined manner over long-termperiod. Simply, SIP is a vehicle or approach to invest

a fixed amount in any fund/scheme at regular

intervals. Such approach helps in investing across

market phases (bull or bear), and thus the cost of

investments get averaged over a period of time

Systematic Investing means -

Investing a fixed amount

Investing for a continuous period

Investing at regular intervals

Rupee cost averaging

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TECHNOLOGY & CONVENIENCE

FOR THE PRIVILEGED FEW

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FOR THE PRIVILEGED FEW

Offering Insignia Plan’s discounted rates  Sta

Mutual Fund purchase through Kotak Investment a/c  0.50%

Mutual Fund purchase through AMC forms  1.0%

Kotak Demat Account Lifetime waiver on a/c maintenance

charges 

An

Investment Account maintenance charges  Nil INR 100 pe

been no tran

Locker Charges Upto 75% discount  Sta

We believe in offering preferential pricing across products for our privileged customers

FOR THE PRIVILEGED FEW

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FOR THE PRIVILEGED FEW

Offering Insignia Plan’s discounted rates  Sta

Dedicated Service Relationship Associate Yes

Discount on issuance of Kotak World Travel Card Free

Discount on issuance of Best Compliments Card Free

Brokerage charges (offered by Kotak Securities)0.025% (intraday) and 0.25%

(delivery)

Preferential tariff on Forex Yes

Preferential rates for Car Loan (offered by Kotak

Mahindra Prime)Yes

Preferential rates for Housing Loan Yes

ASSISTING YOU IN YOUR L IFESTYLE

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PREFERENCES

Your Privy League privileges extend to your

immediate family too, so they can enjoy the same

benefits that you do. Family members that can begrouped together are: Spouse, Parents, Mother /

Father-in-Law, Children and Son/Daughter-in-Law,

Grandchildren and Grand Parents.

Get complimentary invites to the most happening

events in your city - movies, plays, premieres,

musical evenings, golf events, wine tasting sessions

and much more, all based on your preferences

Rediscover the joy of leisure weekend reading with

a complimentary subscription to Privy League Select

your very own lifestyle magazine

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T H A N K Y O U