Kotak Mahindra Research Articles

A Study on Performance Evaluation of Equity Fund Scheme of Aditya Birla Mutual Fund, Kotak Mahindra Mutual Fund ICICI Mutual Fund

In India the various investment avenues are provided by the capital market to the investors, to support them to invest in different investment tools and to make assured the profitable return. Mutual fund is subject to market risk and the mutual fund vary from fund to fund. In this context, the performance evaluations of mutual funds has become essential. Therefore, one of the main important issue is choosing profitable mutual fund for investment. This study, deals with the equity mutual funds that are offered by the various fund houses in India for investment. In the terms of risk return relationship this study predominantly selected mutual fund schemes is the main objective of this study

A Study on Capital Structure of Selective Banks in India

The project report combines key information for the study from secondary data focused on the effect of capital structure on the profitability of specific companies. The study, which is organized into five chapters, employs a descriptive research technique and mostly gathers secondary data of five distinct automakers: Axis Bank, HDFC Bank, ICICI Bank, State Bank of India, and Kotak Mahindra Bank. The study mostly employed ratio analysis and EPS analysis as analytical techniques

Credit Appraisal On Kotak Mahindra bank- A Comprehensive Study

This study aids in comprehending the credit appraisal process used by Kotak Mahindra as well as the methods for lowering various parameters, which are broadly categorized as financial risk, business risk, industrial risk, and management risk related to making any loans, advances, or project financing. The research was analytically conducted. For this experiment, only secondary data were collected. Analysis work was done throughout the area using the data that was gathered. The following factors were discovered after this study's analysis, and they will be taken into account by banks when doing credit appraisals. They are the following: financial performance, business performance, industry outlook, management caliber, and account conduct. When considering the factor of financial performance, the operational and financial viability of the proposal were found. This study helps to know the credit appraisal process and understand the credit appraisal process and understand the operating and financial viability of the proposal in KOTAK MAHINDRA bank

PERFORMANCE EVALUATION OF SIP AND LUMP-SUM INVESTMENT: A STUDY OF SMALL CAP MUTUAL FUNDS

In this paper, the Performance of 13 open-ended equity small cap schemes related to thirteen private sector mutual funds are evaluated i.e. ABSL Mutual fund, Axis Mutual Fund, DSP Mutual fund, Franklin templeton mutual fund, HDFC Mutual Fund, ICICI Prudential Mutual Fund, Kotak Mahindra Mutual Fund, HSBC Mutual Fund, Nippon India Mutual Fund, Quant Mutual Fund, SBI Mutual Fund, Sundaram Mutual Fund and Union Mutual Fund. The study period covers the period from 1stApril 2016 to 31st March 2023. For evaluating the performance of the selected mutual fund schemes, month-wise returns are compared with Benchmark- S&P BSE Small Cap Index return. The rate which has no risk i.e. Risk Free Rate has been taken as average fixed deposit rate of SBI (State bank of India). Further, various different types of statistical tools like average, standard deviation, IRR, beta and the risk adjusted performance measures suggested by Sharpe (1966), Jenson (1968), and Treynor (1965) are employed to evaluate the performance for the above selected period. In this paper SIP and lump-sum investment returns are also compared of the above selected small cap schemes.

Comparative Analysis on Various Schemes-With Reference to Kotak Mahindra Bank

Comparative Analysis on Various Schemes-With Reference to Kotak Mahindra Bank

A STUDY ON PERFORMANCE EVALUATION OF 5 EQUITY GROWTH MUTUAL FUND SCHEMES IN INDIA

A mutual fund, which is another name for an investing business, is a type of financial instrument that pools the capital of multiple participants and uses it to purchase money market instruments and government securities. To put it simply, the management of the fund uses the funds raised to buy bonds and equities. The purchase of securities is known as the portfolio of the fund. Additionally, the investors split the revenue from this joint investment after subtracting any necessary taxes and levies. NAV is used to compute these costs and levies (Net Asset Value). The purpose of this study is to examine the performance of a five selective Indian mutual fund schemes during a three-year period from 2020 to 2023 using their daily Net Asset Value (NAV). The selected mutual considered for the study are private sector equity growth mutual fund schemes. The funds' performance is evaluated using the Sharpe index, Treynor index, and Jensen alpha, and the results will help investors make smarter investing decisions. The study aims to study the best performer among these 5 mutual funds i.e., HDFC, ICICI, AXIS, KVB and KOTAK MAHINDRA based on the study period. NAV = Value of Securities – Liabilities / No. of units outstanding shares) Keywords: Equity Growth Mutual Fund, performance, risk and return, banks in the private sector, Jenson's, Treynor's, and Sharpe's ratios.

Application of TOPSIS Method in Evaluating the Performance of Insurance Companies: A Case Study

Insurance is a method for managing risk, as it protects against unforeseen financial losses. When you purchase insurance, you are safeguarding yourself against possible mishaps by having an insurance company compensate you or someone you designate. If you experience an accident and are uninsured, you may be responsible for all related expenses. Having appropriate insurance can help mitigate the various risks you might encounter throughout your life. Insurance not only covers unexpected incidents but also assists in paying for routine expenses such as annual medical checkups and dental visits. Furthermore, insurance companies negotiate discounts with healthcare providers, allowing their customers to pay the reduced rates. An insurance policy has two parties: the policyholder, who is the individual or company receiving the policy, and the insurer, who is the insurance company. The policyholder need not be the insured party. A person or business can become a policyholder by purchasing an insurance policy that protects another person or company. For instance, if a company buys life insurance for an employee, the employee is the insured party, and the company is the policyholder. Accounting, auditing, and actuarial standards must be carefully applied when examining insurance businesses' financial and other reports. Finding the business risks that insurance companies must deal with requires the use of financial information in particular. The management of insurance companies' technical reserves and guarantee reserve assets is crucial for reducing these risks. According to professional organizations and nations with free market economies, the main goal of financial statements in this situation is to give potential consumers the knowledge they need to make wise decisions. The economy depends on measuring the performance of insurance businesses. However, reliable performance evaluation can be difficult due to the unpredictability and complexity of the global market as well as the growing information flow. In certain situations, traditional performance measurement techniques might not produce appropriate findings. The fuzzy multi-criteria technique has been successfully used to address this issue.Critical proportional assessment is a multi-criteria decision-making analytical tool that aids in problem-solving. The COPRAS system has been developed as a tool for decision-making under specific contexts. This method calculates both the increase and decrease of criteria and improves the quality and quantity of criteria calculation. Compared to other methods, the COPRAS system can handle many criteria and offers a higher level of benefit and usage. Alternative taken as Equity and reserves, Business assets, Provision and liabilities, financial incomes, Cost of insurance, Cost of insurance. Evaluation preference taken as Life Insurance Corporation of India, HDFC Life Insurance Co. Ltd, Max Life Insurance Co. Ltd, ICICI Prudential Life Insurance Co. Ltd, Kotak Mahindra Life Insurance Co. Ltd, Aditya Birla SunLife Insurance Co. Ltd, TATA AIA Life Insurance Co. Ltd, SBI Life Insurance Co. Ltd, Bajaj Allianz Life Insurance Co. Ltd, PNB MetLife India Insurance Co. Ltd. From the result it is seen that SBI Life Insurance Co. Ltd is got the first rank where as is the Bajaj Allianz Life Insurance Co. Ltd is having the lowest rank.

Revolutionizing Payment Ease: Unleashing the Power of Central Bank Digital Currency (CBDC) in India

Digital currencies, or cryptocurrencies, are gaining popularity. Some national central banks are contemplating digital currencies to address these issues and accelerate the cashless society transition. A Central Bank Digital Currency (CBDC) is a nation's official currency and central bank liabilities in digital form. Nine companies appear to be working with the Reserve Bank of India (RBI) on the Central Bank Digital Currency pilot plan. You may recognise IDFC First Bank, HDFC Bank, State Bank of India, and ICICI Bank. Indian digital currency, the Digital Rupee, will be tested by the Reserve Bank of India on November 1, 2022. On October 31, 2022, the government agency in charge of the project stated that this pilot endeavour will facilitate secondary market transactions involving government securities. The RBI has chosen nine financial institutions to pilot the Digital Rupee. Bank of Baroda, State Bank of India, Union Bank of India, ICICI Bank, HDFC Bank, Kotak Mahindra Bank, IDFC First Bank, YES Bank, and HSBC are notable financial institutions. This study seeks to understand the growth of Central Bank Digital Currency (CBDC) in India, taking into account its global adoption to speed up transactions, improve security, and reduce physical currency production costs.

STUDY OF RISK MANAGEMENT IN BANKING SECTOR

When it comes to the change of an economy, the function that financial institutions of a country perform is absolutely essential. The financial performance of a bank over the course of its history, as well as its capacity to manage risks such as market risk, credit risk, and liquidity risk, can be used to evaluate the progress that banking institutions have made. In the 1980s, the United States of America first implemented a supervisory framework model known as "CAMEL" in order to ascertain the overall state of the bank. It is possible for the model to serve as an efficient instrument for guidance and management, as it is able to forecast future risks that may have an impact on a bank. The purpose of this study is to evaluate the performance of three "public sector banks" and three "private sector banks" in India using the CAMEL methodology for a period of two years, specifically 2022 and 2023. A bank's financial strength is determined using the CAMEL model, which rates the banks from best to worst based on characteristics such as "capital adequacy, asset quality, management efficiency, earning, and liquidity." characteristics such as these are used to determine the strength of a bank. According to the findings of the study, the State Bank of India, the Central Bank of India, and the IDBI bank are the three banks that perform the best in terms of the CAMEL parameters among public sector banks. Similarly, according to the CAMEL composite index rating, the private sector banks in India that hold the top ranks are ICICI bank, Kotak Mahindra Bank, and HDFC bank. Key Word : CAMEL model evaluates financial health of banks using capital, asset quality, management, earnings, and liquidity.

Mutual Fund in Kotak Mahindra Bank

Abstract: The use of mutual funds as a safety net for one's finances is on the rise. The industrial sector's performance has boosted India's economic narrative, and mutual funds have lowered the barrier to entry for households looking to invest. More and more people are becoming aware of mutual funds and the advantages they offer. Most people don't invest in mutual funds because, for example, 90% of wage workers in India are unaware that they exist. One out of five individuals may decide to put their money into a mutual fund when they find out what possibilities are available to them. To effectively market mutual funds to someone who is unfamiliar with them, one must first identify the type of people who are inclined to purchase them and then provide reasons that they will see as substantial. Working on this piece was a terrific learning experience and gave me a lot of practice with analysis. Investors' saving and investing habits, mutual fund preferences, and other market research topics are examined and recommended in this paper report.

English Assessing Banking Sector Performance: A Comparative Camel Study between Public and Private Banks

Purpose: To assess and determine the top-performing Indian public and private banks while examining any discernible disparities in their financial performance. Methodology: 12 public and 20 private banks were evaluated for financial performance from 2019 to 2023, using composite ranking and independent sample t-tests. Findings: All banks met the mandatory minimum requirement of a 9% Capital Adequacy Ratio, as revealed by the study results. The Bandhan Bank was the best performer in “Capital Adequacy” and “Earning Ability”, HDFC in “Asset Quality” and “Management Quality”, and Bank of India and IDBI Bank in “Liquidity Adequacy” parameters. Kotak Mahindra Bank secured the top position in the overall ranking, followed by IndusInd Bank and HDFC Bank. Punjab & Sind Bank, Bank of Maharashtra, and UCO Bank occupied the bottom positions. Nevertheless, most of these banks lied in a similar rank region over the last five years except Bandhan Bank, RBL Bank, and DCB Bank, who had achieved substantial success. The test results indicated a significant difference in rank performance between public and private banks in the CAMEL model, except for ratios involving liquid assets to total deposits and total assets. Lastly, looking at the trend, the study found that private banks dominated the banking industry and grew faster than public banks. Moreover, public banks were not efficiently managing advances and assets, resulting in higher NPA. Practical implication: The result of this study will be significant to regulators, government, investors, customers, and management in making decisions based on market risk.

Factors Influencing Adoption of E-Banking Services in Selected Areas of Gujarat

In the contemporary era, the rapid evolution of technology has ushered in a paradigm shift in the way individuals manage their financial transactions. Among the myriad advancements, the adoption of mobile banking applications stands out as a transformative force, redefining the landscape of banking services. The present study tried to study the awareness of mobile banking services of banking applications and to ascertain the factors influencing consumer behavior adoption of Mobile. Further study carried out to study the association among demographic variables regarding factors studied for consumer behaviour adoption of mobile. In conclusion, the analysis of customers' preferences underscores a moderate response to the mobile banking application. While the current features of the application are satisfactory, customers express a desire for additional features akin to those found in alternative mobile banking applications such as SBI and HDFC. The prevailing perception among customers is that the application offered by Kotak Mahindra Bank is characterized by basic and uncomplicated features. Despite this, customer satisfaction with the Mobile Banking Application remains notably high, attributed to an extensive array of features and services. This observation accentuates the importance of ongoing efforts to enhance the mobile banking application in alignment with evolving customer expectations and industry standards.

FINANCIAL PERFORMANCE ANALYSIS OF PRE- AND POST-MERGER OF KOTAK MAHINDRA BANK AND STATE BANK OF INDIA

The banking sector is one of the most important and fastest growing sectors in India. It occupies a unique place in the growth of the economy. The economic development of a country is evident from the reliability of the banking system. Mergers in the banking sector lead to significant growth in business, help in reducing costs and reduce competition as mergers lead to elimination of competitors in the banking sector. Today, every bank strives to be financially strong and more effective and efficient in its operations. Public sector banks face strong challenges from private sector banks and are under great pressure to keep up with the facilities offered by private sector banks. The study is conducted to understand the performance of Kotak Mahindra Bank and SBI before and after merger. One private sector bank and one public sector bank were selected for the study. Kotak Mahindra Bank is one of the leading and growing private sector banks, while SBI is the largest bank in India with a market share of more than 23% in assets and 25% in loans and deposits. The analysis before and after the merger of SBI with its partner banks and Kotak Mahindra Bank with ING Vysya Bank shows that the net profit margin, return on capital employed, return on equity and leverage ratio have no significant difference in these ratios. There is a significant difference in operating profit margin for Kotak Mahindra Bank but not for SBI and its partners.

USING CAMEL MODEL ANALYSIS OF BANKS FINANCIAL PERFORMANCE IN INDIA BY -WITH SPECIAL REFERENCE TO KOTAK MAHINDRA BANK- AN EMPIRICAL EVIDENCE

These days, having an account with the top bank in India is a need for everyone with money. People are also less likely to be without a bank account now that the government of India has implemented the Pradhan Mantri Jan Dhan Yojna, a programme to increase access to banking services. But are you familiar with the largest banks in India, or with public sector banks in particular? If not, then you are in for a treat because we are about to spill the beans on some of India finest banks, including the top 10 public and private institutions in the country, along with comprehensive information on the financial products they provide.Businesses in todays cutthroat global economy need to present themselves as models of social responsibility if they want to succeed. Companies actively seek expansion via globalisation, and they get a competitive edge by participating in socially good programmes. Government laws, environmental limits, labour exploitation difficulties, and other problems may cost multinational corporations millions of dollars if they do not actively participate in social issues in each country in which they operate. If you want to know how well banks and other financial institutions are doing and what steps they can take to improve, you should look into using the CAMEL model. This research looked at the total assets of 10 different banks in India, 5 of which were public and 5 of which were private. The five-year span from 2017 to 2022 is included in this research. The current research looks at how well the chosen banks have done financially. The CAMEL framework ranks financial institutions according to five criteria: factors such as sufficient money, high-quality assets, effective management, profitability potential, and liquidity. Kotak Mahindra outperformed all other banks and came out on top, while Punjab National Bank came in last, according to the survey. All things considered, private banks have done better than their public sector counterparts. This Paper is Identifying of ICICI Bank Performance using CAMEL Model.

ANALYSIS OF BANK PERFORMANCE USING CAMEL MODEL -WITH SPECIAL REFERENCE TO FEDERAL BANK LTD - AN EMPIRICAL EVIDENCE

These days, having an account with the top bank in India is a need for everyone with money. People are also less likely to be without a bank account now that the government of India has implemented the Pradhan Mantri Jan Dhan Yojna, a programme to increase access to banking services. But are you familiar with the largest banks in India, or with public sector banks in particular? In that case, you need not be concerned; we will provide you with extensive information on some of the finest banks in India, including the top ten public and private banks in the country, as well as details about the banking products offered by each. Businesses in todays cutthroat global economy need to present themselves as models of social responsibility if they want to succeed. Companies want expansion via globalisation, and they get a competitive edge in achieving this aim when they actively participate in socially beneficial programmes. Companies with a global presence are generally compelled to have a substantial impact on social concerns in each country where they operate. Failing to do so may result in massive financial losses due to government rules, environmental limitations, labour exploitation, and other related issues. An essential tool for evaluating the performance of financial institutions and banks and suggesting improvements where needed is the CAMEL model. Based on their total assets, this research takes into account ten different types of Indian banks: five public and five private. The five-year span from 2017 to 2022 is included in this research. The current research looks at how well the chosen banks have done financially. Creditworthiness, Asset Quality, Management Effectiveness, Earnings Capacity, and Liquidity are the five CAMEL metrics used to evaluate the financial institutions. Kotak Mahindra outperformed all other banks and came out on top, while Punjab National Bank came in last, according to the survey. All things considered, private banks have done better than their public sector counterparts. The purpose of this paper is to use the CAMEL model to recognize the presentation of Federal Bank Ltd. KEYWORDS: Financial Performance, CAMEL Model, Federal Bank Ltd, Profitability.

Do Merger Announcements Enhance the Wealth of the Shareholders? Evidence from India Banking Sector

The present study attempts to examine the impact of merger announcements on shareholders’ wealth of respective banks in the Indian banking sector. The study considers 13 mergers which include the merger of both public sector and private sector banks. Event Study Methodology has been used for the analysis purpose. The study uses both a one-factor model and a two-factor model to calculate the cumulative abnormal return in various time windows. The notable findings of the study demonstrate that the market reaction towards the merger announcement is negative in both the public and private sector banks. The impact on public sector banks is more compared to the private sector banks as the resulting Cumulative Abnormal Return (CAR) values are negative and significant. Contrary to the above findings, the shareholders of Kotak Mahindra Bank and ING Vyasa Bank have gained wealth as a result of the merger as the market has reacted positively to the merger announcement.

A Comparative Study of Liquidity Management of Selected Public Sector Banks and Private Sector Banks in India

The services your bank provides to its business clients—known as liquidity management—enable them to take advantage of the interest on their checking and current accounts and pool money from several accounts. As a result, your corporate clients may effectively manage the daily liquidity of their companies. The paper compares and contrasts the liquidity management strategies of a few Indian banks from the public and private sectors. Five public sector banks—Punjab National Bank, Bank of India, Bank of Baroda, Union Bank of India, and State Bank India—and five private sector banks—ICICI, HDFC, AXIS, IDBI, and Kotak Mahindra Bank—have been taken for consideration during the 5-year period between 2018–19 and 2022– 2023. Comparisons of the liquidity management of public and private sector banks have been made using the Cash-Deposit Ratio (CDR), Investment-Deposit Ratio (IDR), and Credit-Deposit Ratio (CRDR). Keywords: liquidity Management, Public sector banks, private sector Banks, Cash-deposit ratio, investment deposit ratio, credit Deposit Ratio.

To Study Data of E-banking Operations at Kotak Mahindra Bank

Purpose – The purpose of this paper is to study on the performance of Kotak Mahindra bank for pre and post- period. Design/methodology/approach – Based on the review of literature, the study is aimed at evaluating the performance of pre and post-merger of Kotak Mahindra Bank. The period taken for pre-merger is four years and post-merger is one year. Performance is evaluated on the basis of quick ratio, current ratio, debt equity ratio, Cash to current Liabilities, deposits over 1year to 3 years, Borrowings over 1 year to 3 years, Loans and advances and net Profit Margin. Findings –loan advances in post-merger is higher than the loan advances in premerger period which is statistically significant. The debt equity ratio is gradually decreasing and in post-merger period it started increasing. Originality- To evaluate the liquidity position of pre and post- period of Mergers and Acquisitions of Kotak Mahindra bank

A Comparative Study on Employee Engagement Activities in Private Sector Banks

A Comparative Study of employee engagement activities in private sector banks “In this Research study we have taken various private sector banks such as Kotak Mahindra bank, Axis bank, ICICI bank, HDFC bank, and discussed about the level of employee engagement activities followed in private sector banks and then researcher have seen the satisfaction of employees, based on their engagement. The questionnaire method of data collection was developed. Descriptive statistics and cross tabs were used in this study. It was conducted on 50-60 employees as sample size was selected based on the non - probability convenience sampling.

A Study of Financial Performance of Selected Private Banks

Banking industry always plays a prominent role in the Indian financial system. Countries economic growth and development depend on the banking sector. The current study is made to analyse the financial performance of private banks, Axis Bank and Kotak Mahindra bank, ICICI bank in India. The present study is based on secondary data which has been collected from financial statements of selected banks for a period of four years from 2013-2014 to 2016- 2017. Capital adequacy ratio to know stress on bank, earning quality has been used to measure the financial strength of the selected banks.