PROJECT

NBFC’s AND MICROFINANCE

Submitted By,
xyz
 KOTAK MAHINDRA PRIME LTD

Kotak Mahindra Prime Limited, a non-banking financial company, provides

finance services for passenger cars and multi-utility vehicles to automotive manufacturers,
dealers, and retail customers in India. The company operates through Vehicle Financing,
Other Lending Activities, and Treasury and Investments segments. It finances new and used
cars under retail loan, hire purchase, and lease contracts. The company also offers inventory
and term funding to car dealers; and loans against securities, personal loans, corporate loans,
and developer funding. In addition, it is involved in securitization and assignment
transactions; purchase of non-performing assets; and provision of credit life and
comprehensive car insurance services. Kotak Mahindra Prime Limited has a retail
distribution network of approximately 79 branches, as well as a network of direct marketing
associates, brokers, and agencies in 18 states in India. The company was formerly known as
Kotak Mahindra Primus Limited and changed its name to Kotak Mahindra Prime Limited in
December 2005. The company was incorporated in 1996 and is based in Mumbai, India.
Kotak Mahindra Prime Limited is a subsidiary of Kotak Mahindra Bank Limited.

Our Vision

The Global Indian Financial Services Brand.Our customers will enjoy the benefits of dealing
with a global Indian brand that best understands their needs and delivers customised
pragmatic solutions across multiple platforms.
We are a world class Indian financial services group. Our technology and best practices are
bench-marked along international lines while our understanding of customers will be
uniquely Indian..We are more than a repository of our customers' savings. We, the group, are
a single window to every financial service in a customer's universe.

The Most Preferred Employer in Financial Services

A culture of empowerment and a spirit of enterprise attracts bright minds with an
entrepreneurial streak to join us and build long-term careers with us..Working with a home
grown professionally managed company, which has benefited from partnerships with
international leaders, gives our people a perspective that is universal as well as unique.

The Most Trusted Financial Services Company

We have created an ethos of trust across all our constituents. Adhering to high standards of
compliance and corporate governance is an integral part of building trust.

Value Creation
Value creation rather than size alone will be our business driver.
HISTORY
The Company is a wholly owned subsidiary of the Kotak Group. The Company is primarily
in the business of car financing that encompasses major portion of the Company’s assets The
Kotak group is one of India’s leading banking and financial services organizations, with
offerings across personal financial services; commercial banking; corporate and investment
banking; stock broking; asset management and life insurance. The Company was
incorporated on February 28, 1996 under the name and style of Komaf Auto Finance Private
Limited. Subsequently, on 29th August 1996, the Company was converted into a Public
Limited Company and the word “Private” was deleted from its corporate name w.e.f. 13th
September 1996. The name of the Company was changed to Kotak Mahindra Primus Limited
on October 17, 1996. The Company commenced operations on November 1, 1996. Initially,
Kotak Mahindra Prime Limited (KMP) was a joint venture between Kotak Mahindra Bank
Limited (KMB) (formerly Kotak Mahindra Finance Limited) holding 60% of the paid up
equity share capital and Ford Credit International, Inc (FCII), U.S.A. holding 40% of the paid
up equity share capital. On June 1, 2005, the two partners announced the realignment of their
Joint Venture in India. Subsequent to the receipt of regulatory approvals, the 40% stake,
earlier held by FCII, was acquired on October 4, 2005 by Kotak Mahindra Investments
Limited (KMIL), a 100% subsidiary of KMB. Post the Joint Venture realignment the name of
the Company was changed to Kotak Mahindra Prime Limited after getting necessary
clearances from the Registrar of Companies on December 1, 2005. On January 30, 2006 the
Company allotted equity shares to Kotak Mahindra Asset Management Company Limited on
preferential allotment basis. Further in March 2007, Kotak Securities purchased Kotak
Mahindra Investments Limited (KMIL) stake in KMP as a part of an internal financial
restructuring. Further, on October 29, 2007, the Company allotted 2,54,900 equity shares to
Kotak Securities Limited on preferential allotment basis. Further, on November 3, 2008
Kotak Securities Limited purchased an additional 1.1% stake in the company from Kotak
Mahindra Asset Management Co Ltd., as on March 31, 2010, the company allotted 2,33,300
equity shares to Kotak Securities Limited on preferential allotment basis. The current
shareholding composition is as follows: Kotak Mahindra Bank Limited (51 %), Kotak
Securities Limited (49 %). Kotak Mahindra Prime Limited Private and Confidential .
 PRODUCTS AND SERVICES
 New Car Finance
Your dreams can be realised here. Get that new car you always wanted with our new car
loans. We offer loans up to 90% of the ex-showroom price and flexible repayment tenors as
per your convenience.
 Margin Money Scheme
We provide finance for acquisition of new car upto
 Step Up Scheme
Increase in EMI after every year, six months
 Low EMI, Balloon Scheme
10%-25% of the cost of the car to be
 Advance EMI Scheme
Make the payments of a few monthly

 Used Car Finance

Owning a used car can be a simple, easy and reliable experience with KMPL
Used Car Finance. We offer up to 90% funding of the car value.
You may also avail finance against your existing car
 Pre-approved loan
Low ticket size loans
referred segment loan
 Approve you own loan
For salaried employee
Take over of your existing car loan and generate cash
It'€ ™Is a loan take over from the bank where the foreclosure amount is lesser than what
KMPL actually funds on the asset. That's how you generate cash and you can get more than
100% finance.
Refinance
 Cash against your car
Avail this loan by pledging your existing car which is free from any loan / hypothecation.
  Top Up Loans
KMPL provides Top Up loans to the esteemed Car loan Customers. As a constant effort in
reaching to our privileged customers new products are designed seeing the past repayment
track. The lines of Products are:

Top Up Loans

 KPTR (Kotak Prime Track record) -€ “ This is an exclusive offer for our loyal customers
who have maintained a good repayment track with Kotak Mahindra Prime.

 RePlus - This loan is a 2-in-1 Offer for our valued customers, which offers benefits of
Personal Loan and Re-Finance at the same time. It'€ ™s an easy pre-approved top up loan
on your car finance.

 Car Lease for Corporate customers

 Lease is a financial transaction that permits usage of the asset by lessee (Corporate or
Employer Corporate) for a rental charged by Lessor
 Lease tenure : 3 years to 5 years
 KMPL will help in selecting variant and model of the car for desired price band which
suits the need of end-user.

What we Offer:
 Transparent pricing mechanism and competitive rates
 Hassle free Processing
 Presence in all metros and key states
 Single Point Contact for all queries and issue resolution
 Car Lease take-over facility from other financiers
 Tie up with all major car dealers and manufacturers
 Tie up with dedicated insurance company for car insurance.

 Dealer Finance
Kotak Mahindra Prime Limited has vast experience in providing comprehensive solution to
the wholesale funding requirement of automobile dealers across various manufacturers.
KMPL offers superlative experience to automobile dealers by catering to their entire
spectrum of financial requirement through 'single window' and tailor made products to suit
the dealership business requirement. This results in better response time and funding
solutions to our esteemed customers.

The various financial options available are:

 Inventory Funding
 Project financing - Term Loan for setting up, renovation, expansion of dealership.
 Other Term loans against property for business expansion, working capital term loans.
 Setting up of CC/BG/OD/LC limits through Kotak Mahindra Bank Limited

FINANCIAL ANALYSIS

Mar '17 Mar '16 Mar '15

12 mths 12 mths 12 mths

Sources Of
Funds
Total Share
Capital 13.3 13.28 13.28
Equity Share
Capital 13.3 13.28 13.28
Reserves 51.51 53.02 95.39
Networth 64.81 66.3 108.67
Secured
Loans 2.09 27.85 33.46
Unsecured
Loans 6.2 16.4 24.36
Total Debt 8.29 44.25 57.82
Total
Liabilities 73.1 110.55 166.49

Mar '17 Mar '16 Mar '12

12 mths 12 mths 12 mths
Application Of Funds
Gross Block 5.65 5.47 6.35
Less: Accum.
Depreciation 2.74 2.61 1.66
Net Block 2.91 2.86 4.69
Investments 14.77 47.31 77.27
Sundry
Debtors 0.29 0 3.73
Cash and
Bank Balance 0.09 0.61 3.61
Total Current
Assets 0.38 0.61 7.34
Loans and
Advances 59.73 63.46 83.63
Total CA,
Loans &
Advances 60.11 64.07 90.97
Current
Liabilities 2.67 1.94 5.21
Provisions 2.02 1.75 1.23
Total CL &
Provisions 4.69 3.69 6.44
Net Current
Assets 55.42 60.38 84.53

Total Assets 73.1 110.55 166.49

Contingent
Liabilities 0 26.22 42.26
Book Value
(Rs) 24.44 25.04 41.05