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A PROJECT REPORT

ON
"Distribution of MutuaI Funds through Various ChanneIs
Submitted in partiaI fuIfiIIment for
POST GRADUATE PROGRAM IN MANAGEMENT
Programme of
Indian SchooI Of Business & Finance


Kotak Mahindra Asset Management Company
Submitted by :- Under Mentorship of :-
Divisha Jha Mr Asif Hasan Khan


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SNo 1CICS AGL NC
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3 CCMAN CVLkVILWCI kC1Ak ASSL1
MANAGLMLN1 CCMAN
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4 kL LMLCLLS CI kC1Ak ASSL1 MANAGLMLN1
CCMAN
612
S CU1LCCk CN 1nL DL1 MAkkL1 1320
6 IINANCIAL kLS 2124
7 kCDUC1S 2SS0
8 1C MANAGLMLN1 kCIILL S1S4
8 ANNLkUkL SSS8







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LkLCU1IVL SUMMAk
3 few years Mutual Fu3/ has emerge/ as a tool for e3suri3g o3e's fi3a3.ial well
bei3g. Mutual Fu3/s have 3ot o3ly .o3tribute/ to the 3/ia growth story but have
also helpe/ families tap i3to the su..ess of 3/ia3 3/ustry. As i3formatio3 a3/
aware3ess is risi3g more a3/ more people are e3oyi3g the be3efits of i3vesti3g i3
mutual fu3/s. The mai3 reaso3 the 3umber of retail mutual fu3/ i3vestors remai3s
small is that 3i3e i3 te3 people with i3.omes i3 3/ia /o 3ot k3ow that mutual fu3/s
exist. But o3.e people are aware of mutual fu3/ i3vestme3t opportu3ities , the
3umber who /e.i/e to i3vest i3 mutual fu3/s i3.reases to as ma3y as o3e i3 five
people. The tri.k for .o3verti3g a perso3 with 3o k3owle/ge of mutual fu3/s to a
3ew Mutual Fu3/ .ustomer is to u3/ersta3/ whi.h of the pote3tial i3vestors are
more likely to buy mutual fu3/s a3/ to use the right argume3ts i3 the sales pro.ess
that .ustomers will a..ept as importa3t a3/ releva3t to their /e.isio3.
Doi3g the Summer 3ter3ship with the Kotak Asset Ma3ageme3t Compa3y has
give3 me the great lear3i3g experie3.e. This Report as a whole .a3 be /ivi/e/ i3to
two parts. The first part gives the Compa3y Profile a3/ the Corporate profile of
Kotak Mutual Fu3/s, The Fi3a3.ial Keys a3/ the Pro/u.ts of the Kotak Asset
Ma3a3geme3t Compa3y.
The se.o3/ part of the Proe.t .o3sists of the Top Ma3ageme3t Profile, the
/epartme3t /etails u3/er whi.h the i3ter3ship bee3 .o3/u.te/, the task assig3e/
a3/ the .o3tributio3 whi.h ma/e to the /epartme3t.





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Overview of MutuaI Fund
To/ay there are ple3ty of i3vestme3t ave3ues ope3. Some of them i3.lu/e ba3ks
/eposits, bo3/s, sto.ks, mutual fu3/ i3vestme3ts a3/ .orporate /ebe3tures. 3vestors
may i3vest mo3ey i3 ba3ks, bo3/s a3/ .orporate /ebe3tures where the risk is low a3/ so
are the retur3s. O3 the .o3trary, sto.ks of .ompa3ies have high risk but the retur3s are
also proportio3ately high.

The re.e3t tre3/s si3.e last year .learly suggest that the average i3vestors have lost
mo3ey i3 equities. People have 3ow starte/ opti3g for portfolio ma3agers who have the
expertise i3 sto.k markets. There are ma3y i3stitutio3s i3 3/ia whi.h provi/e wealth
ma3ageme3t servi.es. A3 average i3vestor has fou3/ refuge with the mutual fu3/s.

There have bee3 a lot of .ha3ges i3 the mutual fu3/ i3/ustry i3 past few years. Lots of
multi3atio3al .ompa3ies have bought their professio3al expertise to ma3age fu3/s
worl/wi/e. 3 the past few mo3ths there has bee3 .o3soli/atio3 goi3g o3 i3 the mutual
fu3/ i3/ustry. Mutual fu3/s i3 3/ia 3ow offer a wi/e ra3ge of s.hemes to .hoose.

Mutual fu3/s are tur3e/ to be the most preferre/ .hoi.e worl/wi/e for both small a3/ big
i3vestors /ue to their 3umerous a/va3tages. t's all about lo3g term fi3a3.ial pla33i3g.
These be3efits mai3ly i3.lu/e /iversifi.atio3, professio3al ma3ageme3t, pote3tial of
retur3s, effi.ie3.y a3/ easy to use.
Mutual fu3/ i3vestme3ts .arry low risk be.ause of their /iversifie/ 3ature. t is importa3t to
u3/ersta3/ the be3efits of mutual fu3/s before i3vesti3g the mo3ey you really .are about.

A..or/i3g to the Asso.iatio3 of Mutual Fu3/s i3 3/ia, the growth of mutual fu3/ i3/ustry
has bee3 ex.eptio3al. This i3/ustry has i3/ee/ .ome a very lo3g way with o3ly 34 players
i3 the market a3/ more tha3 480 s.hemes.
O3e of the maor fa.tors .o3tributi3g to the growth of this i3/ustry has bee3 the boomi3g
sto.k market with a3 optimisti. /omesti. e.o3omy. Se.o3/ most importa3t reaso3 for this
growth is a favorable regulatory regime whi.h has bee3 e3for.e/ by SEB. This regulatory
boar/ has improve/ the market surveilla3.e to prote.t the i3vestor's i3terest.

NAV is /ire.tly proportio3ately to the bearish tre3/s of the market. Top mutual fu3/s also
suffer be.ause of the flu.tuatio3s i3 the market. The poole/ mo3ey is i3veste/ i3 shares,
/ebe3tures a3/ treasury bills a3/ thus has high risk i3volve/.

3/ia3 mutual fu3/s however reveal this multi-/ime3sio3al ave3ue a3/ all the i3tri.a.ies i3
a highly fashio3able ma33er. t provi/es a lot of s.ope to u3/ersta3/ the s.e3ario a3/
make some thoughtful i3vestme3ts for /e.e3t retur3s.

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Company Overview Of Kotak Asset Management Company



Kotak Mahi3/ra is o3e of 3/ia's lea/i3g fi3a3.ial i3stitutio3s, offeri3g .omplete fi3a3.ial
solutio3s that e3.ompass every sphere of life. From .ommer.ial ba3ki3g, to sto.k broki3g,
to mutual fu3/s, to life i3sura3.e, to i3vestme3t ba3ki3g, the group .aters to the fi3a3.ial
3ee/s of i3/ivi/uals a3/ .orporates.
The group has a 3et worth of Rs.7,911 .rore a3/ employs arou3/ 20,000 employees
a.ross its various busi3esses, servi.i3g arou3/ 7 millio3 .ustomer a..ou3ts through a
/istributio3 3etwork of 1,716 bra3.hes, fra3.hisees a3/ satellite offi.es a.ross more tha3
470 .ities a3/ tow3s i3 3/ia a3/ offi.es i3 New York, Califor3ia,Sa3 Fra3.is.o, Lo3/o3,
Dubai, Mauritius a3/ Si3gapore.

Kotak Mahi3/ra Asset Ma3ageme3t Compa3y Limite/ (KMAMC), a wholly ow3e/
subsi/iary of KMBL, is the Asset Ma3ager for Kotak Mahi3/ra Mutual Fu3/ (KMMF).
KMAMC starte/ operatio3s i3 De.ember 1998 a3/ has over 10 La. i3vestors i3 various
s.hemes. KMMF offers s.hemes .ateri3g to i3vestors with varyi3g risk - retur3 profiles a3/
was the first fu3/ house i3 the .ou3try to lau3.h a /e/i.ate/ gilt s.heme i3vesti3g o3ly i3
gover3me3t se.urities.












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Key EmpIoyees of Kotak Asset Management Company:


Chief Exe.utive Offi.er: Mr. Sa3/esh Kirkire, 47, is a Me.ha3i.al
E3gi3eer, a3/ hol/s a Masters /egree i3 Ma3ageme3t Stu/ies from
Jam3alal Baa 3stitute of Ma3ageme3t Stu/ies (JBMS), Mumbai
U3iversity. Mr. Kirkire oi3e/ Kotak Mahi3/ra Group i3 1994. He has over
21 years of experie3.e i3 fi3a3.ial servi.es spa33i3g Corporate Fi3a3.e,
3vestme3t Ba3ki3g a3/ Fu3/s Ma3ageme3t. Mr. Kirkire has bee3 with
Kotak Mahi3/ra Asset Ma3ageme3t Compa3y Lt/. si3.e 1999. Prior to
taki3g over as the Chief Exe.utive Offi.er i3 May 2005, he was the Chief
3vestme3t Offi.er (Debt) of the AMC.




Mr. Alroy Lobo, Chief Strategist a3/ Global Hea/ Equities Asset
Ma3ageme3t at Kotak Mahi3/ra Asset Ma3ageme3t Compa3y, is i3
.harge of equity strategy for the e3tire Kotak group. Alroy has a total work
experie3.e of 17 years i3 the 3/ia3 equity market of whi.h he has spe3t
13 years i3 the 3stitutio3al Equities busi3ess at Kotak Se.urities a/visi3g
Global 3stitutio3al 3vestors.

Amo3g his a.a/emi. qualifi.atio3s, Mr. Lobo is a3 a..omplishe/
Chartere/ Fi3a3.ial A3alyst from AMR a3/ CFA. He .omplete/ his
Masters i3 Ma3ageme3t Stu/ies (Fi3a3.e) from Sy/e3ham 3stitute of
Ma3ageme3t, Mumbai a3/ his Ba.helor i3 Me.ha3i.al E3gi3eeri3g from
Regio3al E3gi3eeri3g College, Sri3agar.

Mr. Lobo has a.hieve/ the followi3g a..ola/es at the above me3tio3e/
i3stitutes:-

1985: -Gol/ me/alist Ba.helor of Me.ha3i.al E3gi3eeri3g
1988: - Ra3ke/ First i3 Masters i3 Ma3ageme3t Stu/ies
1995: - Gol/ me/alist Chartere/ Fi3a3.ial A3alyst, CFA.


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Chief Operatio3s Offi.er: Mr. R. Krish3a3, 43, is a Chartere/ A..ou3ta3t
a3/ Cost A..ou3ta3t with over 16 years of experie3.e i3 the fiel/s of
Operatio3s, Systems, Fi3a3.e, MS, A..ou3ti3g, Au/it a3/ Taxatio3. Prior
to oi3i3g the Kotak Group i3 August 1994, Mr. Krish3a3 was a pra.ti.i3g
Chartere/ A..ou3ta3t for two years, ha3/li3g A..ou3ti3g, Au/it a3/
Taxatio3 matters for .lie3ts. Si3.e oi3i3g the Kotak Group, Mr. Krish3a3
has ha3/le/ maor assig3me3ts like the US GAAP impleme3tatio3 for the
erstwhile Kotak Mahi3/ra Fi3a3.e Limite/.




Fund Managers Asset Management Company- Debt Team


Ms Lakshmi yer- Se3ior Vi.e Presi/e3t
Ms. Lakshmi yer has bee3 with the Asset Ma3ageme3t Compa3y si3.e 1st November
1999. From 1999-2006 Lakshmi was performi3g the role of a fu3/ ma3ager where she
was respo3sible for .re/it resear.h as well as /eal exe.utio3, ma3agi3g fu3/ performa3.e
a.ross all /ebt fu3/s a3/ assisti3g sales i3 .lie3t i3tera.tio3 where require/. From
September 2006 till September 2008 she was Hea/i3g Pro/u.ts where her primary
respo3sibilities were pro/u.t relate/ i3itiatives, pro/u.t pri.i3g a3/ .oor/i3ati3g with the
fu3/s ma3ageme3t a3/ sales team i3 the role of a portfolio spe.ialist. From September
2008 till /ate she is hea/i3g the Fixe/ 3.ome a3/ Pro/u.ts team. 3 her earlier sti3t, from
November 1997-O.tober 1999 i3 Cre/e3.e A3alyti.s Pvt Lt/. she has also worke/ as a
Resear.h A3alyst where she was tra.ki3g .orporate bo3/ markets i3 3/ia a3/ ge3erati3g
resear.h reports. She was also i3strume3tal i3 .o3.eivi3g various fi3a3.ial software tools
for 3/ia3 markets through effe.tive liaso3i3g with software a3/ te.h3i.al team at
Cre/e3.e.


Mr Abhishek Bise3-Vi.e Presi/e3t
Mr. Abhishek Bise3 has bee3 asso.iate/ with the .ompa3y si3.e O.tober 2006 a3/ his
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key respo3sibilities i3.lu/e fu3/ ma3ageme3t of /ebt s.hemes. Prior to oi3i3g Kotak
AMC, Abhishek was worki3g with Se.urities Tra/i3g Corporatio3 Of 3/ia Lt/ where he
was looki3g at Sales & Tra/i3g of Fixe/ 3.ome Pro/u.ts apart from /oi3g Portfolio
A/visory. His earlier assig3me3ts also i3.lu/e 2 years of mer.ha3t ba3ki3g experie3.e
with a lea/i3g mer.ha3t ba3ki3g firm. The s.hemes ma3age/ by him are Kotak 3.ome
Plus, Kotak Bo3/ Short Term, Kotak Bo3/, Kotak Gilt Savi3gs, Kotak Gilt 3vestme3t,
Kotak Flexi Debt, Kotak Floater Lo3g Term, Kotak Floater Short Term, Kotak Liqui/, Kotak
Cre/it Opportu3ities Fu3/, Kotak FMP's o3 the /ebt si/e a3/ Kotak Equity arbitrage,
Kotak Bala3.e, Kotak Sele.t Fo.us Fu3/, a3/ Kotak Global Emergi3g Market Fu3/ o3 the
equity si/e. Abhishek's e/u.atio3al ba.kgrou3/ is B.A (Ma3ageme3t) a3/ MBA (Fi3a3.e).


Mr Deepak Agrawal Vi.e Presi/e3t
Mr. Deepak Agrawal's .areer has starte/ from Kotak AMC whe3 he oi3e/ the
orga3izatio3 i3 De.ember 2002 where he was i3itially i3 Resear.h, Deali3g a3/ the3
move/ i3to Fu3/ Ma3ageme3t from November 2006 where he is 3ow ma3agi3g Kotak
Bo3/ Short Term, Kotak Flexi Debt, Kotak Floater Short Term, Kotak Liqui/, Kotak Bo3/,
Kotak Gilt Savi3gs, Kotak Gilt 3vestme3t, Kotak Floater Lo3g Term, Kotak FMP's a3/
Kotak Cre/it Opportu3ities Fu3/. Deepak is a Post Gra/uate i3 Commer.e, Chartere/
A..ou3t, Compa3y Se.retary a3/ .urre3tly pursui3g CFA.



Fund Managers of Asset Mangaement Company- Equity Team


Mr Krish3a Sa3ghvi- Hea/ Of Equities
Mr. Krish3a Sa3ghvi's experie3.e is over 15 years. He oi3e/ Kotak Mahi3/ra Group i3
1997 a3/ has worke/ with Kotak Mahi3/ra Primus Lt/., Kotak Mahi3/ra Fi3a3.e Lt/. &
Kotak Mahi3/ra Ol/ Mutual Life 3sura3.e Lt/ before oi3i3g Kotak Mahi3/ra Asset
Ma3ageme3t Compa3y. Mr. Sa3ghvi has sig3ifi.a3t experie3.e i3 Cre/it Appraisal &
Cre/it Risk Ma3ageme3t, Dealer Fi3a3.e, Busi3ess Pla33i3g a3/ Fu3/ Ma3ageme3t. He
has bee3 asso.iate/ with the Asset Ma3ageme3t Compa3y si3.e February 2006 where
he has bee3 i3 the Equity Fu3/ Ma3ageme3t team ma3agi3g equity portfolio. The
s.hemes ma3age/ by him are Kotak 50, Kotak Opportu3ities, Kotak Lifestyle, Kotak Tax
Saver, Kotak Bala3.e, Kotak 3.ome Plus, Kotak Co3tra a3/ Kotak Sele.t Fo.us. Mr.
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Sa3ghavi's e/u.atio3al ba.kgrou3/ .omprises Ba.helor of Commer.e, Cost & Works
A..ou3t from CWA, Master of Ma3ageme3t Stu/ies (Fi3a3.e), Mumbai a3/ Chartere/
Fi3a3.ial A3alyst from CFA.


Mr Emma3uel Ela3go Asso.iateVi.e Presi/e3t
Mr. Emma3uel is a B.E. (Me.h) a3/ a PGDM (M Ba3galore). His asso.iatio3 with the
AMC has bee3 si3.e July 2008. Mr. Ela3go starte/ his .areer as a Desig3 E3gi3eer with
Bos.h. After his ma3ageme3t stu/ies, Mr. Ela3go has also worke/ with JP Morga3 a3/
Fra3kli3 Templeto3 AMC i3 3/ia. His total experie3.e is 8 years. The s.hemes
ma3age/ by him i3.lu/e Kotak Lifestyle, Kotak Co3tra, Kotak Sele.t Fo.us Fu3/, Kotak
Mi/Cap a3/ Kotak Emergi3g Equity S.heme.


Mr Pa3ka Tibrewal Vi.e - Presi/e3t
Mr. Pa3ka Tibrewal is a gra/uate i3 Commer.e from St. Xavier's College, Kolkata a3/
hol/s a Masters /egree i3 Fi3a3.e from Ma3.hester U3iversity. Pa3ka has bee3
asso.iate/ with the mutual fu3/ i3/ustry si3.e 2003 where he has ma3age/ several
/ebt a3/ equity s.hemes. Pa3ka's earlier sti3t was with Pri3.ipal Mutual Fu3/ where he
was ma3agi3g s.hemes like Pri3.ipal Emergi3g Blue.hip, Pri3.ipal Tax Saver a3/ MPs
si3.e 2003. He oi3e/ Kotak AMC from Ja3uary 2010 as a3 Equity Fu3/ Ma3ager
where he ma3ages s.hemes like Kotak Opportu3ities, Kotak Mi/.ap, Kotak Emergi3g
Equity, Kotak Taxsaver, Kotak Bala3.e a3/ Kotak 3.ome Plus. Pa3ka's hobbies
i3.lu/e liste3i3g to hi3/i musi., travelli3g a3/ rea/i3g.




Mr Pra/eep Kumar- Vi.e Presi/e3t
Mr Pra/eep Kumar has oi3e/ Kotak Mutual Fu3/ as a Fu3/ Ma3ager i3 the Equity Fu3/
Ma3ageme3t a3/ ma3ages Kotak 50. He bri3gs with him over 10 years' experie3.e i3
Fu3/ Ma3ageme3t a3/ Equity A3alysis a3/ oi3s us from Religare 3/ia Asset
Ma3ageme3t Co. Prior to oi3i3g Religare Asset Ma3ageme3t, he was a Fu3/ Ma3ager i3
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ABN Amro Mutual Fu3/ & was was also asso.iate/ with DBS Cholama3/alam AMC
i3itially as a3 equity a3alyst a3/ the3 as a fu3/ ma3ager. Before his e3try i3to the
i3vestme3t fiel/, Pra/eep has also worke/ as a Me.ha3i.al E3gi3eer with Hi3/usta3
Copper Lt/ for arou3/ 2 years. Alo3g with bei3g a CFA Charter hol/er, Pra/eep hol/s a
Me.ha3i.al E3gi3eeri3g /egree a3/ has also .omplete/ his Masters of Ma3ageme3t
Stu/ies i3 Fi3a3.e from Sy/e3ham 3stitute of Ma3ageme3t. His hobbies i3.lu/e playi3g
various ki3/s of sports a3/ rea/i3g.


Mr Deepak Gupta- Se3ior Ma3ager
Mr. Deepak Gupta has almost 6 years of experie3.e i3 the mutual fu3/ i3/ustry. He
worke/ i3 the Operatio3s /ivisio3 of Kotak AMC for 2 years. Subseque3tly, i3 April 2007,
he move/ to the Equity Fu3/ Ma3ageme3t team as a resear.h a3alyst. He is 3ow a3
Equity Fu3/ Ma3ager & ma3ages Kotak Equity Arbitrage, Kotak Equity Fu3/ of Fu3/,
Kotak Nifty ETF, Kotak PSU Ba3k ETF a3/ Kotak SENSEX ETF. Deepak is a Gra/uate i3
Commer.e from Mumbai U3iversity. He is a qualifie/ Chartere/ A..ou3ta3t, a Cost
A..ou3ta3t a3/ has .leare/ the AMR CFA Level 3. His hobbies i3.lu/e liste3i3g to musi.
a3/ rea/i3g books.























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Service Providers:


Registrar

Computer Age Management Services Pvt Ltd
148, Ol/ Mahabalipura3 Roa/,
Okkiyam Thuraipakkam,
Che33ai 600 096
www..amso3li3e..om




Custodians

Deutsche Bank AG
Ko/ak House, 222
Dr. D. N. Roa/, Fort
Mumbai 400 001
Standard Chartered Bank
23/25, M. G. Roa/
Mumbai 400 001
The Bank of Nova Scotia
12/13, Maker Chambers V,
Narima3 Poi3t,
Mumbai 400 021


Auditors

Price Waterhouse
252, Veer Savarkar Marg, Shivai Park, Da/ar, Mumbai 400 028















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Awards

OUTLOOK MONEY NDTV PROFIT AWARDS,
ICRA AWARDS,
NDTV AWARDS,
LIPPER FUND AWARDS,
ICRA AWARDS,
ICRA MFR (December & December
OUTLOOK MONEY BEST WEALTH CREATOR DEBT
CRISIL BEST FUND AWARD



















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OutIook on the Debt Markets:

The fi3a3.ial year 2011 bega3 o3 a positive 3ote for the fixe/ i3.ome
segme3t with a liqui/ity overha3g i3 the mo3ey markets. 3 April-May 2010,
short term yiel/s su.h as 3 mo3th Ba3k CDs, fell to a low of arou3/
4.5%. But, the tele.om au.tio3 saw outflow of over Rs. 1 lakh .rores
whi.h le/ to liqui/ity tight3ess resulti3g i3 large s.ale re/emptio3 from
mo3ey market s.hemes. This o..urre/ whe3 i3flatio3 too was o3 the
upswi3g. The yiel/s at the shorter e3/ we3t up by 400 to 500 bps /uri3g
the fi3a3.ial year with the repo/reverse repo rate i3.reasi3g 175 bps &
225 bps respe.tively.

The .o3ti3ue/ i3flatio3ary pressure i3 the foo/ pri.es, a3/ the upswi3g i3
the .ru/e oil pri.es, remai3s a key .ause of .o3.er3 for the market
parti.ipa3ts. The mo3ey market rates too surge/ i3 the last fort3ight of
Mar.h as heavy a/va3.e tax outflow .ause/ a squeeze o3 the market
liqui/ity. The liqui/ity .o3/itio3s are expe.te/ to improve si3.e the supply
outlook seems relatively be3ig3, while the gover3me3t spe3/i3g too is
expe.te/ to pi.k pa.e i3 the weeks ahea/. Alo3gsi/e, the likely i3tro/u.tio3
of a 3ew 10-year be3.hmark paper may also .o3tribute i3 tre3/i3g /ow3
the be3.hmark yiel/s i3 the times ahea/

Brief background of Sponsors, Trust, Trustee Company and AMC

a Sponsors:

Kotak Mahi3/ra Mutual Fu3/ is spo3sore/ by Kotak Mahi3/ra Ba3k Limite/.
The Spo3sor is the Settler of the Mutual Fu3/ Trust. The Spo3sor has
.o3tribute/ Rs. O3e Lakh as the i3itial .o3tributio3 to the .orpus for the
setti3g up of the Trust. The Spo3sor has also .o3tribute/ Rs. O3e Lakh
Fifty Thousa3/ as a//itio3al .orpus.

KMBL starte/ with a .apital base of Rs. 30.88 lakh. From bei3g a provi/er
of a si3gle fi3a3.ial pro/u.t, KMBL grew substa3tially /uri3g i3to a highly
/iversifie/ fi3a3.ial servi.es .ompa3y a3/ has 3ow .o3verte/ i3to a Ba3k.
As o3 Mar.h 31, 2011, the 3et worth (.apital plus reserves & surplus) of
Kotak Ba3k is Rs. . 6796.472 .rore. The Spo3sor a3/ its subsi/iaries/
asso.iates offer wi/e ra3gi3g fi3a3.ial servi.es su.h as loa3s, lease a3/
hire pur.hase, .o3sumer fi3a3.e, home loa3s, .ommer.ial vehi.les a3/ .ar
fi3a3.e, i3vestme3t ba3ki3g, sto.k broki3g, mutual fu3/s, primary market
/istributio3 of equity a3/ /ebt pro/u.ts a3/ life i3sura3.e.





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bKotak Mahindra MutuaI Fund:

Kotak Mahi3/ra Mutual Fu3/ (the "Mutual Fu3/") has bee3 .o3stitute/
as a trust o3 May 20, 1996, i3 a..or/a3.e with the provisio3s of the
3/ia3 Trusts A.t, 1882 (2 of 1882) with Kotak Mahi3/ra Ba3k Limite/, as
the Spo3sor a3/ Kotak Mahi3/ra Trustee Compa3y Limite/ as the Trustee.
The Trust Dee/ has bee3 registere/ u3/er the 3/ia3 Registratio3 A.t,
1908. Kotak Mahi3/ra Asset Ma3ageme3t Compa3y Limite/ has bee3
appoi3te/ as the Asset Ma3ageme3t Compa3y of the Mutual Fu3/ by the
Trustee vi/e 3vestme3t Ma3ageme3t Agreeme3t (MA) /ate/ May 20, 1996,
as ame3/e/ up to /ate, a3/ exe.ute/ betwee3 the Trustee a3/ the AMC.
The Mutual Fu3/ was registere/ with SEB o3 Ju3e 23, 1998 u3/er
Registratio3 Co/e MF/038/98/1.

cKotak Mahindra Trustee Company Limited:

Kotak Mahi3/ra Trustee Compa3y Limite/ is the ex.lusive ow3er of the
Trust Fu3/ a3/ hol/s the same i3 trust for the be3efit of the u3ithol/ers.
The Trustee has bee3 /is.hargi3g its /uties a3/ .arryi3g out the
respo3sibilities as provi/e/ i3 the Regulatio3s a3/ the Trust Dee/. The
Trustee seeks to e3sure that the Fu3/ a3/ the S.hemes floate/ there
u3/er are ma3age/ by the AMC i3 a..or/a3.e with the Trust Dee/, the
Regulatio3s, /ire.tio3s a3/ gui/eli3es issue/ by the SEB, the Sto.k
Ex.ha3ges, the Asso.iatio3 of Mutual Fu3/s i3 3/ia a3/ other regulatory
Age3.ies

dKotak Mahindra Asset Management Company Limited:

Kotak Mahi3/ra Asset Ma3ageme3t Compa3y Limite/ (AMC) is a limite/
.ompa3y i3.orporate/ u3/er the Compa3ies A.t, 1956 o3 August 2, 1994.
Kotak Mahi3/ra Asset Ma3ageme3t Compa3y Limite/ has bee3 appoi3te/
as the Asset Ma3ageme3t Compa3y of the Mutual Fu3/ by the Trustee
vi/e 3vestme3t Ma3ageme3t Agreeme3t (MA) /ate/ May 20, 1996, as
ame3/e/ up to /ate, a3/ exe.ute/ betwee3 the Trustee a3/ the AMC.
Kotak Mahi3/ra Asset Ma3ageme3t Compa3y Limite/ is a wholly ow3e/
subsi/iary of the Spo3sor, Kotak Mahi3/ra Ba3k Lt/.
A3 approval by the Divisio3 of Fu3/s, 3vestme3t Ma3ageme3t Departme3t
u3/er the SEB (Portfolio Ma3ager) Regulatio3s, 1993 a3/ Mutual Fu3/s
Divisio3 of SEB u3/er the SEB ('Mutual Fu3/s') Regulatio3s, 1996, has
bee3 gra3te/ to the AMC for u3/ertaki3g Portfolio Ma3ageme3t Servi.e
(PMS). There is 3o .o3fli.t of i3terest betwee3 the Mutual Fu3/ a3/ the
PMS a.tivity.
Kotak Mahi3/ra Pe3sio3 Fu3/ Limite/, a subsi/iary of Kotak Mahi3/ra Asset
Ma3ageme3t Compa3y Limite/ is provi/i3g pe3sio3 fu3/ ma3ageme3t
servi.es. Kotak Mahi3/ra Asset Ma3ageme3t Compa3y has re.eive/ a 3o
obe.tio3 .ertifi.ate from SEB for ma3ageme3t of pe3sio3 fu3/s through
the subsi/iary.
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Investment Objectives of the Schemes

O Kotak Mahi3/ra 50 U3it S.heme: A3 ope3 e3/e/ equity growth s.heme.
To ge3erate .apital appre.iatio3 from a portfolio of pre/omi3a3tly equity
a3/ equity relate/ se.urities. The portfolio will ge3erally .omprise of equity
a3/ equity relate/ i3strume3ts of arou3/ 50 .ompa3ies whi.h may go up
to 59 .ompa3ies but will 3ot ex.ee/ 59 at a3y poi3t i3 time.

O Kotak Co3tra: A3 ope3 e3/e/ equity growth s.heme. To ge3erate .apital
appre.iatio3 from a /iversifie/ portfolio of equity a3/ equity relate/
i3strume3ts.

O Kotak Lifestyle: A3 ope3 e3/e/ equity growth s.heme. To ge3erate lo3g-
term .apital appre.iatio3 from a portfolio of equity a3/ equity relate/
se.urities, ge3erally /iversifie/ a.ross .ompa3ies, whi.h are likely to be3efit
by .ha3gi3g lifestyle a3/ risi3g .o3sumerism i3 3/ia.

O Kotak Mi/.ap S.heme: A3 ope3 e3/e/ equity growth s.heme. To ge3erate
.apital appre.iatio3 from a /iversifie/ portfolio of equity a3/ equity relate/
se.urities.

O Kotak Opportu3ities: A3 ope3 e3/e/ equity growth s.heme. To ge3erate
.apital appre.iatio3 from a /iversifie/ portfolio of equity a3/ equity relate/
se.urities.

O Kotak Sele.t Fo.us Fu3/: A3 ope3 e3/e/ equity s.heme. To ge3erate
lo3g-term .apital appre.iatio3 from a portfolio of equity a3/ equity relate/
se.urities, ge3erally fo.usse/ o3 a few sele.te/ se.tors.

O Kotak Equity Arbitrage S.heme: A3 ope3 e3/e/ equity growth s.heme.
To ge3erate .apital appre.iatio3 a3/ i3.ome by pre/omi3a3tly i3vesti3g i3
arbitrage opportu3ities i3 the .ash a3/ /erivatives segme3t of the equity
market, a3/ by i3vesti3g the bala3.e i3 /ebt a3/ mo3ey market i3strume3ts.

O Kotak Emergi3g Equity S.heme: A3 ope3 e3/e/ equity growth s.heme.
To ge3erate lo3g-term .apital appre.iatio3 from a portfolio of equity a3/
equity relate/ se.urities, by i3vesti3g pre/omi3a3tly i3 mi/ a3/ small .ap
.ompa3ies.

O Kotak Global Emergi3g Market Fu3/: A3 ope3 e3/e/ equity S.heme. To
provi/e lo3g-term .apital appre.iatio3 by i3vesti3g i3 a3 overseas mutual
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fu3/ s.heme that i3vests i3 a /iversifie/ portfolio of se.urities as pres.ribe/
by SEB from time to time i3 global emergi3g markets.

O Kotak 3/o Worl/ 3frastru.ture Fu3/: A3 ope3 e3/e/ equity s.heme.
To ge3erate lo3g-term .apital appre.iatio3 from a portfolio of equity, equity
relate/ se.urities or u3its of overseas mutual fu3/s, whi.h are likely to
/ire.tly or i3/ire.tly .o3tribute to or be3efit from the growth i3 i3frastru.ture
i3 3/ia/a.ross the worl/.

O Kotak Tax Saver S.heme: A3 ope3 e3/e/ equity li3ke/ tax savi3gs
s.heme. To ge3erate lo3g-term .apital appre.iatio3 from a /iversifie/
portfolio of equity a3/ equity relate/ se.urities a3/ e3able i3vestors to
avail the i3.ome tax rebate, as permitte/ from time to time.

O Kotak Equity FOF: A3 ope3 e3/e/ equity fu3/ of fu3/s s.heme. To
ge3erate lo3g-term .apital appre.iatio3 from a portfolio .reate/ by i3vesti3g
pre/omi3a3tly i3 ope3-e3/e/ /iversifie/ equity s.hemes of Mutual Fu3/s
registere/ with SEB.

O Kotak Se3sex ETF: A3 ope3 e3/e/ ex.ha3ge tra/e/ fu3/. To provi/e
retur3s before expe3ses that .losely .orrespo3/ to the total retur3s of the
BSE SENSEX sube.t, to tra.ki3g errors.

O Kotak PSU Ba3k ETF: A3 ope3 e3/e/ ex.ha3ge tra/e/ fu3/. To provi/e
retur3s that .losely .orrespo3/ to the total retur3s of CNX PSU Ba3k 3/ex,
sube.t to tra.ki3g errors.

O Kotak Nifty ETF: A3 ope3 e3/e/ ex.ha3ge tra/e/ fu3/. To provi/e retur3s
before expe3ses that .losely .orrespo3/ to the total retur3s of the S&P
CNX Nifty sube.t, to tra.ki3g errors.

O Kotak Gol/ ETF: A3 ope3 e3/e/ Gol/ ex.ha3ge tra/e/ Fu3/. To ge3erate
retur3s that are i3 li3e with the retur3s o3 i3vestme3t i3 physi.al gol/,sube.t to
tra.ki3g errors.

O Kotak Mahi3/ra Bala3.e U3it S.heme 99: A3 ope3 e3/e/ bala3.e/
s.heme. To a.hieve growth by i3vesti3g i3 equity a3/ equity relate/
i3strume3ts, bala3.e/ with i3.ome ge3eratio3 by i3vesti3g i3 /ebt & mo3ey
market i3strume3ts.

O Kotak Mahi3/ra Gilt U3it S.heme 99 - 3vestme3t Regular & PF Pla3:
A3 ope3 e3/e/ /e/i.ate/ gilt s.heme. To ge3erate risk free retur3s through
i3vestme3ts i3 Sovereig3 se.urities issue/ by the Ce3tral Gover3me3t a3/
or State Gover3me3t a3/ / or reverse repo i3 su.h se.urities.

O Kotak Mahi3/ra Gilt U3it S.heme 99 - Savi3gs Pla3: A3 ope3 e3/e/
/e/i.ate/ gilt s.heme. To ge3erate risk free retur3s through i3vestme3ts
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i3 Sovereig3 se.urities issue/ by the Ce3tral Gover3me3t a3/ / or State
Gover3me3t a3/ / or reverse repo i3 su.h se.urities.

O Kotak Floater Short Term S.heme: A3 ope3 e3/e/ /ebt s.heme. To re/u.e
the i3terest rate risk asso.iate/ with i3vestme3ts i3 fixe/ rate i3strume3ts
by i3vesti3g pre/omi3a3tly i3 floati3g rate se.urities, mo3ey market
i3strume3ts a3/ usi3g appropriate /erivatives.

O Kotak Mahi3/ra Liqui/ S.heme: A3 ope3 E3/e/ Debt S.heme. To provi/e
reaso3able retur3s a3/ high level of liqui/ity by i3vesti3g i3 Debt a3/ mo3ey
market i3strume3ts of /iffere3t maturities so as to sprea/ risk a.ross
/iffere3t ki3/s of issuers i3 the Debt Markets.

O Kotak Mo3thly 3.ome Pla3: A3 ope3 e3/e/ i3.ome s.heme. To e3ha3.e
retur3s over a portfolio of Debt 3strume3ts with a mo/erate exposure i3
Equity a3/ Equity relate/ 3strume3ts.

O Kotak Floater Lo3g Term S.heme: A3 ope3 e3/e/ /ebt s.heme. To re/u.e
the i3terest rate risk asso.iate/ with i3vestme3ts i3 fixe/ rate i3strume3ts
by i3vesti3g pre/omi3a3tly i3 floati3g rate se.urities, mo3ey market
i3strume3ts a3/ usi3g appropriate /erivatives.

O Kotak Mahi3/ra Bo3/ U3it S.heme 99: A3 ope3 e3/e/ /ebt s.heme. To
.reate a portfolio of /ebt i3strume3ts of /iffere3t maturities so as to sprea/
the risk a.ross a wi/e maturity horizo3 a3/ /iffere3t ki3/s of issuers i3
the /ebt markets.

O Kotak Bo3/ Short Term Pla3: A3 ope3 e3/e/ /ebt s.heme. To provi/e
reaso3able retur3s a3/ high level of liqui/ity by i3vesti3g i3 /ebt a3/ mo3ey
market i3strume3ts of /iffere3t maturities, so as to sprea/ the risk a.ross
/iffere3t ki3/s of issuers i3 the /ebt market.

O Kotak Flexi Debt S.heme: A3 ope3 e3/e/ /ebt s.heme. To maximise
retur3s through a3 a.tive ma3ageme3t of a portfolio of /ebt a3/ mo3ey
market se.urities

O Kotak Cre/it Opportu3ities Fu3/: A3 ope3 e3/e/ /ebt s.heme. To
ge3erate i3.ome by i3vesti3g i3 /ebt /a3/ mo3ey market se.urities a.ross
the yiel/ .urve a3/ .re/it spe.trum. The s.heme woul/ also seek to
mai3tai3 reaso3able liqui/ity withi3 the fu3/.



O Kotak Multi Asset Allo.atio3 Fu3/: A3 ope3 e3/e/ /ebt s.heme. To
ge3erate i3.ome by i3vesti3g pre/omi3a3tly i3 /ebt a3/ mo3ey market
se.urities, to ge3erate growth by taki3g mo/erate exposure to equity a3/
equity relate/ i3strume3ts a3/ provi/e /iversifi.atio3 by i3vesti3g i3 Gol/
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ETFs.

O Kotak FMP 19M Series 2, Kotak FMP 18M Series 2, Kotak FMP 18M
Series 3, Kotak FMP 13M Series 6, Kotak FMP 18M Series 4, Kotak
FMP 18M Series 5, Kotak 370 Days Series 2, Kotak 370 Days Series 3,
Kotak 24M Series 1, Kotak FMP 24M Series 2, Kotak FMP 15M Series
6, Kotak FMP 15M Series 7, Kotak FMP 6M Series 10, Kotak FMP 6M
Series 11, Kotak FMP 370 Days Series 5, Kotak FMP 370 Days Series
6, Kotak FMP 370 Days Series 7, Kotak FMP 370 Days Series 8, Kotak
FMP 370 Days Series 9, Kotak FMP 370 Days Series 10, Kotak FMP
Series 28, Kotak FMP Series 29, Kotak FMP Series 30, Kotak FMP Series
32, Kotak FMP Series 33, Kotak FMP Series 34, Kotak FMP Series 35,
Kotak FMP Series 36, Kotak FMP Series 37, Kotak FMP Series 38, Kotak
FMP Series 39, Kotak FMP Series 40, Kotak FMP Series 41, Kotak FMP
Series 42, Kotak FMP Series 43: Close e3/e/ /ebt s.hemes. To ge3erate
retur3s through i3vestme3ts i3 /ebt a3/ mo3ey market i3strume3ts with a
view to sig3ifi.a3tly re/u.e the i3terest rate risk.

O Kotak Quarterly 3terval Pla3s - 1, Kotak Quarterly 3terval Pla3s -
2, Kotak Quarterly 3terval Pla3s - 3, Kotak Quarterly 3terval Pla3s
- 4, Kotak Quarterly 3terval Pla3s - 5, Kotak Quarterly 3terval Pla3s
- 6, Kotak Quarterly 3terval Pla3s - 7, Kotak Quarterly 3terval Pla3s
- 8, Kotak Quarterly 3terval Pla3s - 9, Kotak Quarterly 3terval Pla3s
- 10: /ebt orie3te/ i3terval fu3/s. To ge3erate retur3s through i3vestme3ts
i3 /ebt a3/ mo3ey market i3strume3ts.


Significant Accounting PoIicies:

The A..ou3ti3g Poli.ies are i3 a..or/a3.e with Se.urities Ex.ha3ge Boar/
of 3/ia (Mutual Fu3/s) Regulatio3s, 1996.

Statutory Information:

a. The Spo3sors are 3ot respo3sible or liable for a3y loss resulti3g from the
operatio3 of the S.hemes of the Fu3/ beyo3/ their i3itial .o3tributio3 of
Rs. O3e Lakh for setti3g up the Fu3/ a3/ su.h other a//itio3s to the
same.

b. The pri.e a3/ re/emptio3 value of the u3its, a3/ i3.ome from them, .a3
go up as well as /ow3 with flu.tuatio3s i3 the market value of its u3/erlyi3g
i3vestme3ts.

..Full A33ual Report shall be /is.lose/ o3 the website (mutualfu3/.kotak..om)
a3/ shall be available for i3spe.tio3 at the Hea/ Offi.e of Kotak Mahi3/ra
Mutual Fu3/. Prese3t a3/ prospe.tive u3it hol/ers .a3 obtai3 .opy of the
trust /ee/, the full A33ual Report of the Fu3/ / AMC at a pri.e.
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Voting PoIicy

Kotak Mahi3/ra Asset Ma3ageme3t Compa3y Limite/ (KMAMC) is a believer i3
the pri3.iple that the goo/ Corporate Gover3a3.e e3ha3.es the value of the
.ompa3y.
As a3 i3vestme3t a/viser with a fi/u.iary respo3sibility towar/s its u3ithol/ers,
KMAMC believes that it shoul/ exer.ise its right to vote 3either for 3or agai3st
ma3ageme3t, but always i3 the best i3terests of u3ithol/ers of its s.hemes.
O3e of the primary fa.tors KMAMC .o3si/ers whe3 /etermi3i3g the /esirability of
i3vesti3g i3 a parti.ular .ompa3y is the quality a3/ /epth of its ma3ageme3t. We
re.og3ize that a .ompa3y's ma3ageme3t is e3truste/ with the /ay-to-/ay
operatio3s of the .ompa3y, as well as its lo3g-term /ire.tio3 a3/ strategi. pla33i3g,
sube.t to the oversight of the .ompa3y's boar/ of /ire.tors.
A..or/i3gly, our proxy voti3g gui/eli3es are 3ot i3te3/e/ to substitute our u/gme3t
for ma3ageme3t's with respe.t to the .ompa3y's /ay-to-/ay operatio3s. Rather,our
voti3g gui/eli3es are /esig3e/ to promote a..ou3tability of a .ompa3y's
ma3ageme3t a3/ boar/ of /ire.tors to its sharehol/ers; to alig3 the i3terests of
ma3ageme3t with those of sharehol/ers; a3/, to e3.ourage .ompa3ies to a/opt
best pra.ti.es i3 terms of their .orporate gover3a3.e. We rely o3 a .ompa3y's
/is.losures, its Boar/'s re.omme3/atio3s, a .ompa3y's tra.k re.or/, spe.ifi. best
pra.ti.es .o/es, our resear.h a3alysis a3/, most importa3tly, our Fu3/
Ma3ageme3t Departme3ts views, i3 maki3g voti3g /e.isio3s.

KMAMC will follow the followi3g poli.y a3/ pro.e/ure for exer.isi3g voti3g rights:

1. Appoi3tme3t of Voti3g .ommittee
A Voti3g Committee .omprisi3g of a Dire.tor of the AMC, Chief Exe.utive
Offi.er, Chief Strategist a3/ Global Hea/ Equities, Hea/ of Equities a3/
Hea/ of Fixe/ 3.ome, will be appoi3te/. The Committee will /e.i/e o3
voti3g o3 issues i3 the AGMs/EGMs for whi.h 3oti.e is re.eive/.
The Voti3g Committee may /elegate the rights u3/er this poli.y to the Fu3/
Ma3agers of the S.hemes, sube.t to su.h .o3trols as they /eem fit.

2 .Pri3.iples for Voti3g:

i)Voti3g is .ompletely /is.retio3ary i.e. the /e.isio3 may i3.lu/e "abstai3i3g
from voti3g or to "vote for or "agai3st or /ivi/e votes betwee3 "for
a3/ "agai3st, or 3ot vote at all.

ii)The Voti3g Committee will exer.ise proxy voti3g /is.retio3 o3 parti.ular
types of proposals i3 respe.t of the followi3g matters: -
Corporate gover3a3.e matters, i3.lu/i3g .ha3ges i3 the state of
i3.orporatio3, merger a3/ other .orporate restru.turi3g, a3/ a3titakeover
provisio3s.

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Cha3ges to .apital stru.ture, i3.lu/i3g i3.reases a3/ /e.reases of
.apital a3/ preferre/ sto.k issua3.es.
Sto.k optio3 pla3s a3/ other ma3ageme3t .ompe3satio3 issues;
So.ial a3/ .orporate respo3sibility issues.
Appoi3tme3t a3/ Removal of Dire.tors.
A3y other issue that may affe.t the i3terest of the sharehol/ers i3
ge3eral a3/ i3terest of the u3it-hol/ers i3 parti.ular.

iii) Assessme3t of impli.atio3 of voti3g: The Voti3g Committee has the
respo3sibility for the .o3te3t, i3terpretatio3 a3/ appli.atio3 of the proxy
votes a3/ assessi3g the impa.t o3 the .ompa3y of su.h voti3g. All the
matters will be a//resse/ o3 a .ase to .ase basis keepi3g i3 view the
i3terest of u3ithol/ers.

iv) Cost of Voti3g: The Committee may take i3 to a..ou3t the lo.atio3 of the
ge3eral bo/y meeti3g, 3umber/per.e3tage of shares hel/, impa.t of
exer.isi3g or otherwise of Voti3g o3 the possible out.ome, .ost of voti3g
(.ost of travel a3/ exe.utive time) a3/ /etermi3e whether it is 3ot i3 the
best e.o3omi. i3terests of u3ithol/ers/s.heme to vote proxies.

3. De.isio3 maki3g i3 the Committee:
Ea.h matter submitte/ to the Committee will be /etermi3e/ by the vote of a
maority of the members prese3t at the meeti3g. Shoul/ the vote .o3.er3i3g
o3e or more re.omme3/atio3s be tie/ i3 a vote of the Committee the fi3al
voti3g /e.isio3 will be take3 by the Chief Strategist a3/ Global Hea/ Equities.

4 .Resolvi3g .o3fli.ts of i3terest
The Committee is also respo3sible for mo3itori3g a3/ resolvi3g possible
material .o3fli.ts betwee3 the i3terests of KMAMC a3/ those of u3ithol/ers
with respe.t to proxy voti3g. The Committee shall always e3sure that voti3g
will be i3 the ex.lusive i3terest of the u3ithol/ers of the s.hemes.

5. Represe3tatio3 at the ge3eral bo/y meeti3g:
The Committee may through a suitable /elegatio3, exer.ise its /e.isio3 o3
voti3g at the meeti3gs i3 favour of a3y of its authorize/ represe3tatives.
This poli.y has bee3 approve/ by the Boar/ of Dire.tors of Kotak Mahi3/ra
Asset Ma3ageme3t Compa3y Limite/ a3/ Boar/ of Dire.tors of Kotak Mahi3/ra
Trustee Compa3y Limite/ at their meeti3g hel/ o3 September 9, 2010.










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FinanciaI Keys:



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Average Assets under Management (AAUM for the month of SEP- (Rs in
Lakhs
Sr
No
MutuaI Fund Name
Average AUM
ExcIuding Fund of
Funds - Domestic
but
incIuding Fund of
Funds - Overseas
Fund Of Funds
-
Domestic
1
AG Global 3vestme3t Group Mutual
Fu3/
101977.07 0
2 Axis Mutual Fu3/ 463619.87 0
3 Baro/a Pio3eer Mutual Fu3/ 373138.07 0
4 Be3.hmark Mutual Fu3/ 250520.72 0
5 Bharti AXA Mutual Fu3/ 51087.23 0
6 Birla Su3 Life Mutual Fu3/ 6742134.55 3365.46
7 BNP Paribas Mutual Fu3/ N/A N/A
8 Ca3ara Robe.o Mutual Fu3/ 771889.23 0
9 Daiwa Mutual Fu3/ N/A N/A
10 Deuts.he Mutual Fu3/ 646149.90 0
11 DSP Bla.kRo.k Mutual Fu3/ 2667368.47 0
12 E/elweiss Mutual Fu3/ 21547.51 0
13 Es.orts Mutual Fu3/ 19786.51 0
14 Fi/elity Mutual Fu3/ 853636.58 13451.78
15 Fortis Mutual Fu3/ 496462.88 0
16 Fra3kli3 Templeto3 Mutual Fu3/ 4214221.55 116937.96
17 Gol/ma3 Sa.hs Mutual Fu3/ N/A N/A
18 HDFC Mutual Fu3/ 9310557.87 0
19 HSBC Mutual Fu3/ 480980.16 0
20 CC Pru/e3tial Mutual Fu3/ 6972752.43 2725.23
21 DB Mutual Fu3/ 219960.13 0
22 DFC Mutual Fu3/ 1868081.10 38962.06
23 NG Mutual Fu3/ 146828.10 5277.33
24 JM Fi3a3.ial Mutual Fu3/ 652368.43 0
25 JPMorga3 Mutual Fu3/ 844769.03 0
26 Kotak Mahi3/ra Mutual Fu3/ 2842982.20 9488.78
27 L&T Mutual Fu3/ 354251.00 0
28 LC NOMURA Mutual Fu3/ 1972696.88 0
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29 Mirae Asset Mutual Fu3/ 27518.53 0
30 Morga3 Sta3ley Mutual Fu3/ 235144.37 0
31 Motilal Oswal Mutual Fu3/ 30541.54 0
32 Peerless Mutual Fu3/ 262250.16 0
33 Prameri.a Mutual Fu3/ 63000.66 0
34 PRNCPAL Mutual Fu3/ 564190.87 0
35 Qua3tum Mutual Fu3/ 11947.77 171.04
36 Relia3.e Mutual Fu3/ 10774854.23 0
37 Religare Mutual Fu3/ 1077984.98 0
38 Sahara Mutual Fu3/ 75619.44 0
39 SB Mutual Fu3/ 4210044.79 0
40 Shi3sei Mutual Fu3/ 31902.62 0
41 Su3/aram Mutual Fu3/ 1403706.68 0
42 Tata Mutual Fu3/ 2196363.66 0
43 Taurus Mutual Fu3/ 269389.76 0
44 UT Mutual Fu3/ 6761772.28 0
Grand TotaI 7 7
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Products

Kotak

Investment Objective
To ge3erate .apital appre.iatio3 from a portfolio of pre/omi3a3tly equity a3/ equity
relate/ se.urities. The portfolio will ge3erally .omprise of equity a3/ equity relate/
i3strume3ts of arou3/ 50 .ompa3ies whi.h may go up to 59 .ompa3ies but will 3ot
ex.ee/ 59 at a3y poi3t i3 time. Review a3/ rebala3.i3g will be .o3/u.te/ if the
i3vestme3t i3 .ompa3ies ex.ee/ above 59. To re/u.e the risk of the portfolio, the
S.heme may also use various /erivative a3/ he/gi3g pro/u.ts from time to time, i3 the
ma33er permitte/ by SEB.
Investment Pattern Benchmark Index
Investments
Indicative
AIIocation
Risk
ProfiIe
Equity a3/
equity relate/
se.urities
65% to
100%
Me/ium
to High
*Debt a3/
Mo3ey Market
3strume3ts
0% to 35%
Low to
Me/ium

* Debt se.urities/i3strume3ts are /eeme/
to i3.lu/e se.uritise/ /ebt a3/ i3vestme3t
i3 se.uritise/ /ebt will 3ot ex.ee/ 50% of
/ebt portio3 of the S.heme.
Note : The asset allo.atio3 show3 above is
i3/i.ative a3/ may .ha3ge for a short term
o3 /efe3sive .o3si/eratio3s. Review a3/
rebala3.i3g will be .o3/u.te/ whe3 the
asset allo.atio3 falls outsi/e the ra3ge
i3/i.ate/ above.
S&P CNX Nifty .
Investment Horizon Estimated Recurring
1 - 3 years. 2.50%.



Investment Options Dividend Frenquency
Growth, Divi/e3/ Payout, Divi/e3/ Re-
3vestme3t.
At the Dis.retio3 of Trustees

SYW

Minimum Investment

Cheques / DD to be drawn in favour
of
3itial : Rs. 5000/-
A//itio3al : Rs.1000/-
Systemati. : Rs.1000/-
Kotak 50
Minimum Redemption Size Payout ScheduIe
Rs. 1000/- or 100 u3its
Note : f the hol/i3g is less tha3 Rs. 1000
or 100 u3its, the e3tire bala3.e will be
re/eeme/ as a3/ whe3 re/emptio3
request is re.eive/ from the i3vestor.
Tra3sa.tio3 /ay + 3 worki3g /ays.
Cut off for Transactions
3 PM
Entry Load Exit Load
NIL 1. For re/emptio3s / swit.h outs
(i3.lu/i3g SP/STP) withi3 1 year
from the /ate of allotme3t of
u3its, irrespe.tive of the amou3t of
i3vestme3t:
2. For re/emptio3s / swit.h outs
(i3.lu/i3g SP/STP) after 1 year from
the /ate of allotme3t of
u3its, irrespe.tive of the amou3t of
i3vestme3t: NIL
3. Where u3its are allotte/ upo3
Rei3vestme3t of Divi/e3/s: NIL









SYW

Kotak Mid-Cap
(Open Ended Equity Growth Scheme



Investment Objective
To gge3erate .apital appre.iatio3 from a /iversifie/ portfolio of equity & equity relate/
i3str i3strume3t.
Investment Pattern Benchmark Index
Asset
CIass
Investments
Indicative
AIIocation
Risk
ProfiIe
A
Equity a3/
equity
relate/
se.urities
65% to
100%
High
A1
Mi/.ap
sto.ks
65% to
100%
High
A2
Other tha3
mi/.ap
sto.ks
0% to 35% High
B
Debt a3/
Mo3ey
Market
Se.urities
0% to 35% Low

Note :The asset allo.atio3 (betwee3 asset
.lasses A a3/ B) show3 above is
i3/i.ative a3/ may vary a..or/i3g to
.ir.umsta3.e at the /is.retio3 of the Fu3/
Ma3ager, o3 /efe3sive .o3si/eratio3.
Review a3/ rebala3.i3g will be .o3/u.te/
whe3 the asset allo.atio3 (betwee3 asset
.lasses A a3/ B) falls outsi/e the ra3ge
i3/i.ate/ above. f the exposure falls
outsi/e the above ra3ge, it will be restore/
withi3 Te3 Worki3g Days.

The asset allo.atio3 betwee3 A1 a3/ A2
as i3/i.ate/ above shall be reviewe/ at
the e3/ of every .ale3/ar quarter a3/
CNX Mi/.ap.
SYW%
rebala3.i3g, if require/ will be .o3/u.te/
withi3 a mo3th of review. The S.heme will
3ot i3vest i3 se.uritise/ /ebt
Investment Horizon
Estimated
Recurring
Expenses

1 - 3 years. 2.50%.

Investment Options Dividend Frenquency
Growth, Divi/e3/ Payout, Divi/e3/ Re-
3vestme3t.
At the Dis.retio3 of Trustees
Minimum Investment
Cheques / DD to be drawn in
favour of
3itial : Rs. 5000/-
A//itio3al : Rs.1000/-
Systemati. : Rs.1000/-
Kotak Mi/-Cap
Minimum Redemption Size Payout ScheduIe
Rs. 1000/- or 100 u3its
Note : f the hol/i3g is less tha3 Rs. 1000
or 100 u3its, the e3tire bala3.e will be
re/eeme/ as a3/ whe3 re/emptio3
request is re.eive/ from the i3vestor.
Tra3sa.tio3 /ay + 3 worki3g /ays
Cut off for Transactions
3 PM
Entry Load Exit Load
NIL 1. For re/emptio3s / swit.h outs
(i3.lu/i3g SP/STP) withi3 1
year from the /ate of allotme3t
of u3its, irrespe.tive of the
amou3t of i3vestme3t:
2. For re/emptio3s / swit.h outs
(i3.lu/i3g SP/STP) after 1
year from the /ate of allotme3t
of u3its, irrespe.tive of the
amou3t of i3vestme3t: NIL
3. Where u3its are allotte/ upo3
Rei3vestme3t of Divi/e3/s:
NIL


SYW%


Kotak Opportunities
(Open Ended Equity Growth Scheme
Investment Objective
To ge3erate .apital appre.iatio3 from a /iversifie/ portfolio of equity & equity relate/
i3strume3ts.


Investment Pattern Benchmark Index
Investments
Indicative
AIIocation
Risk
ProfiIe
Equity a3/
equity
relate/
se.urities
65% to
95%
Me/ium
to High
*Debt a3/
Mo3ey
Market
3strume3ts
5% to 35% Low

* The S.heme will 3ot i3vest i3
se.uritise/ /ebts.
Note :The asset allo.atio3 show3
above is i3/i.ative a3/ may vary
a..or/i3g to .ir.umsta3.es at the
sole /is.retio3 of the Fu3/
Ma3ager, o3 /efe3sive
.o3si/eratio3. Review a3/
rebala3.i3g will be .o3/u.te/ whe3
the asset allo.atio3 falls outsi/e the
ra3ge i3/i.ate/ above. f the
exposure falls outsi/e the above
ra3ge, it will be restore/ withi3 three
Worki3g Days.
S & P CNX 500
Investment Horizon
Estimated Recurring
Expenses
1 - 3 Years. 2.50%.

Investment Options Dividend Frenquency
SYW
Growth, Divi/e3/ Payout, Divi/e3/
Re-3vestme3t.
At the Dis.retio3 of Trustees
Minimum Investment Cheques / DD to be drawn in favour of
3itial : Rs. 5000/-
A//itio3al : Rs.1000/-
Systemati. : Rs.1000/-
Kotak Opportu3ities
Minimum Redemption Size Payout ScheduIe
Rs. 1000/- or 100 u3its
Note : f the hol/i3g is less tha3 Rs.
1000 or 100 u3its, the e3tire
bala3.e will be re/eeme/ as a3/
whe3 re/emptio3 request is
re.eive/ from the i3vestor.
Tra3sa.tio3 /ay + 3 worki3g /ays
Cut off for Transactions
3 PM
Entry Load Exit Load
NIL 1. For re/emptio3s / swit.h outs (i3.lu/i3g
SP/STP) withi3 1 year from the /ate of
allotme3t of u3its, irrespe.tive of the
amou3t of i3vestme3t:
2. For re/emptio3s / swit.h outs (i3.lu/i3g
SP/STP) after 1 year from the /ate of
allotme3t of u3its, irrespe.tive of the
amou3t of i3vestme3t: NIL
3. Where u3its are allotte/ upo3
Rei3vestme3t of Divi/e3/s: NIL









SYW
Kotak Contra
(Open Ended Equity Growth Scheme


Investment Objective
To ge3erate .apital appre.iatio3 from a /iversifie/ portfolio of equity & equity
relate/ i3strume3ts.
Investment Pattern Benchmark Index
Investments
Indicative
AIIocation
Risk
ProfiIe
Equity a3/
equity
relate/
se.urities
65% to
100%
Me/ium
to High
*Debt a3/
Mo3ey
Market
3strume3ts
0% to 35% Low

* Debt se.urities/i3strume3ts are
/eeme/ to i3.lu/e se.uritise/ /ebt
a3/ i3vestme3t i3 se.uritise/ /ebt
will 3ot ex.ee/ 50% of /ebt portio3
of the S.heme.
Note :The asset allo.atio3 show3
above is i3/i.ative a3/ may vary
a..or/i3g to .ir.umsta3.es at the
sole /is.retio3 of the Fu3/ Ma3ager,
o3 /efe3sive .o3si/eratio3. Review
a3/ rebala3.i3g will be .o3/u.te/
whe3 the asset allo.atio3 falls
outsi/e the ra3ge i3/i.ate/ above. f
the exposure falls outsi/e the above
ra3ge, it will be restore/ withi3 Seve3
Busi3ess Days.
S & P CNX 500
Investment Horizon
Estimated Recurring
Expenses
1 - 3 years . 2.00%.

Investment Options Dividend Frenquency
Growth, Divi/e3/ Payout, Divi/e3/
Re-3vestme3t.
At the Dis.retio3 of Trustees
SYW
Minimum Investment
Cheques / DD to be drawn in favour
of
3itial : Rs. 5000/-
A//itio3al : Rs.1000/-
Systemati. : Rs.1000/-
Kotak Co3tra
Minimum Redemption Size Payout ScheduIe
Rs. 1000/- or 100 u3its
Note : f the hol/i3g is less tha3 Rs.
1000 or 100 u3its, the e3tire bala3.e
will be re/eeme/ as a3/ whe3
re/emptio3 request is re.eive/ from
the i3vestor.
Tra3sa.tio3 /ay + 3 worki3g /ays
Cut off for Transactions
3 PM
Entry Load Exit Load
NIL 1. For re/emptio3s / swit.h outs
(i3.lu/i3g SP/STP) withi3 1 year
from the /ate of allotme3t of
u3its, irrespe.tive of the amou3t of
i3vestme3t:
2. For re/emptio3s / swit.h outs
(i3.lu/i3g SP/STP) after 1 year
from the /ate of allotme3t of
u3its, irrespe.tive of the amou3t of
i3vestme3t: NIL
3. Where u3its are allotte/ upo3
Rei3vestme3t of Divi/e3/s: NIL



SYW

Kotak Tax-Saver
(Open-Ended Equity Linked Savings Scheme Objective
To ge3erate .apital appre.iatio3 from a /iversifie/ portfolio of equity & equity relate/
se.urities a3/ e3able i3vestors to avail the i3.ome tax rebate,
as permitte/ from time to time.
Investment Pattern Benchmark Index
Investments
Indicative
AIIocation
Risk
ProfiIe
Equity a3/
equity
relate/
se.urities
80% to
100%
Me/ium
to High
*Debt a3/
Mo3ey
Market
3strume3ts
0% to 20% Low

* Debt se.urities shall be /eeme/ to
i3.lu/e se.uritise/ /ebts (ex.lu/i3g
foreig3 se.uritise/ /ebt) a3/
i3vestme3t i3 se.uritise/ /ebts shall
3ot ex.ee/ 50% of the /ebt
.ompo3e3t of the S.heme.
3vestme3ts may be ma/e i3 foreig3
/ebt se.urities 3ot ex.ee/i3g 20% of
the /ebt .ompo3e3t of the S.heme.
However, i3vestme3ts ma/e i3
foreig3 /ebt se.urities woul/ 3ot
i3.lu/e i3vestme3t i3 foreig3
se.uritise/ /ebt.
3vestme3ts may be ma/e i3
GDRs/ADRs 3ot ex.ee/i3g 20% of
the 3et assets s.heme. The S.heme
may e3gage i3 sto.k le3/i3g 3ot
ex.ee/i3g 20% of the 3et assets of
the S.heme.
The above per.e3tages will be
re.ko3e/ at the time of i3vestme3t
a3/ the above allo.atio3 is base/ o3
a stea/y state situatio3.
Note :The asset allo.atio3 show3
above is i3/i.ative a3/ may vary
S & P CNX 500
SYW
a..or/i3g to .ir.umsta3.es at the
sole /is.retio3 of the Fu3/ Ma3ager,
o3 /efe3sive .o3si/eratio3. Review
a3/ rebala3.i3g will be .o3/u.te/
whe3 the asset allo.atio3 falls
outsi/e the ra3ge i3/i.ate/ above. f
the exposure falls outsi/e the above
ra3ge, it will be restore/ withi3 Seve3
Worki3g Days.
Investment Horizon
Estimated
Recurring
Expenses

3 yrs & above 2.50%.

Investment Options Dividend Frenquency
Growth, Divi/e3/ Payout, Divi/e3/
Re-3vestme3t.
At the Dis.retio3 of Trustees
Minimum Investment
Cheques / DD to be drawn in favour
of
3itial : Rs 500 a3/ i3 mulitiples of
500..
A//itio3al: Rs 500 a3/ i3 mulitiples of
500.
Systemati.: Rs 500 a3/ i3 mulitiples of
500.
Kotak Tax-Saver
Minimum Redemption Size Payout ScheduIe
Rs. 1000/- or 100 u3its
Note : f the hol/i3g is less tha3 Rs.
1000 or 100 u3its, the e3tire bala3.e
will be re/eeme/ as a3/ whe3
re/emptio3 request is re.eive/ from
the i3vestor.
Tra3sa.tio3 /ay + 3 worki3g /ays
Cut off for Transactions
3 PM
Entry Load Exit Load
NiI Exit Loa/ is 3ot appli.able for Kotak Tax
Saver S.heme.



SYW
Kotak Equity Arbitrage Fund
(Open-Ended Equity Growth Scheme



Investment Objective
To ge3erate .apital appre.iatio3 a3/ i3.ome by pre/omi3a3tly i3vesti3g i3
arbitrage opportu3ities i3 the .ash a3/ /erivatives segme3t of the equity
market, a3/ by i3vesti3g the bala3.e i3 /ebt a3/ mo3ey market i3strume3ts.
Investment Pattern Benchmark Index
The asset aIIocation under normaI
circumstances wiII be as foIIows:
Investments
Indicative
AIIocation
Risk
ProfiIe
Equity a3/
equity
relate/
i3strume3ts
i3.lu/i3g
/erivatives
65% to
90%
Me/ium
to High
*Debt a3/
mo3ey
market
i3strume3ts
i3.lu/i3g
margi3
mo3ey
/eploye/ i3
/erivatives
tra3sa.tio3s
10% to
35%
Low

*Debt se.urities / i3strume3ts are
/eeme/ to i3.lu/e se.uritize/ /ebt a3/
i3vestme3t i3 se.uritize/ /ebt will 3ot
ex.ee/ 50% of the /ebt portio3 of the
s.heme.

The asset allo.atio3 as give3 u3/er
3ormal .ir.umsta3.es is i3/i.ative a3/
may vary a..or/i3g to .ir.umsta3.es at
the sole /is.retio3 of the Fu3/
Ma3ager. Review a3/ rebala3.i3g will
be .o3/u.te/ whe3 the asset allo.atio3
CRSL Liqui/ Fu3/ 3/ex.
SYW
falls outsi/e the ra3ge i3/i.ate/ above,
withi3 a reaso3able perio/ of time.

The asset aIIocation under defensive
circumstances wiII be as foIIows:
Investments
Indicative
AIIocation
Risk
ProfiIe
Equity a3/
equity
relate/
i3strume3ts
i3.lu/i3g
/erivatives
0% to 65%
Low to
Me/ium
*Debt a3/
mo3ey
market
i3strume3ts
i3.lu/i3g
margi3
mo3ey
/eploye/ i3
/erivatives
tra3sa.tio3s
35% to
100%
Low

*Debt se.urities / i3strume3ts are
/eeme/ to i3.lu/e se.uritize/ /ebt a3/
i3vestme3t i3 se.uritize/ /ebt will 3ot
ex.ee/ 50% of the /ebt portio3 of the
s.heme.

Defe3sive .ir.umsta3.es are whe3 the
arbitrage opportu3ities i3 the market
pla.e are 3egligible or retur3s are lower
tha3 alter3ative i3vestme3t
opportu3ities as per allo.atio3 patter3.
The allo.atio3 u3/er /efe3sive
.o3si/eratio3s will be ma/e keepi3g i3
view the i3terest of the u3ithol/ers.
Investment Horizon
Estimated Recurring
Expenses
Above 3 mo3ths 2.25%

Investment Options Dividend Frenquency
Growth, Divi/e3/ Payout, Divi/e3/ Re- Mo3thly - Mo3/ay pre.e/i3g the last
SYW
3vestme3t. Thurs/ay of every .ale3/ar mo3th.
Minimum Investment
Cheques / DD to be drawn in
favour of
3itial : Rs. 5000/-
A//itio3al : Rs. 1000/-
Systemati. : Rs. 1000/-
Kotak Equity Arbitrage
Minimum Redemption Size Payout ScheduIe
Rs. 1000/- or 100 u3its
Note : f the hol/i3g is less tha3 Rs.
1000 or 100 u3its, the e3tire bala3.e
will be re/eeme/ as a3/ whe3
re/emptio3 request is re.eive/ from the
i3vestor.
Tra3sa.tio3 /ay + 3 worki3g /ays.
Cut off for Transactions
3 PM

Entry Load Exit Load
NiI 1. For re/emptio3s/swit.h outs
(i3.lu/i3g SP/STP) withi3 90
/ays from the /ate of
allotme3t of u3its, irrespe.tive
of the amou3t of i3vestme3t:

2. For re/emptio3s/ swit.h outs
(i3.lu/i3g SP/STP) after
90/ays from the /ate of
allotme3t of u3its, irrespe.tive
of the amou3t of i3vestme3t:
NIL



SYW%

Kotak SeIect Focus Fund
(Open Ended Equity Scheme


Investment Objective
The i3vestme3t obe.tive of the s.heme is to ge3erate lo3g-term .apital
appre.iatio3 from a portfolio of equity a3/ equity relate/ se.urities, ge3erally
fo.use/ o3 a few sele.te/ se.tors.
Investment Pattern Benchmark Index
Investments
Indicative
AIIocation
Risk
ProfiIe
Equity a3/
equity
relate/
se.urities
65% to
100%
Me/ium
to High
*Debt a3/
Mo3ey
Market
3strume3ts
0% to 35%
Low to
Me/ium

*Debt i3strume3ts shall be /eeme/
to i3.lu/e se.uritise/ /ebts (ex.lu/i3g
foreig3 se.uritise/ /ebt) a3/
i3vestme3t i3 se.uritise/ /ebts shall
3ot ex.ee/ 50% of Debt a3/ Mo3ey
Market i3strume3ts. This will also
i3.lu/e margi3 mo3ey for /erivative
tra3sa.tio3s. The s.heme may also
i3vest i3 /erivatives upto a maximum
of 100% of the portfolio value.
S&P CNX Nifty .
Investment Horizon Estimated Recurring Expenses

1 - 2 years. 2.50%.

Investment Options Dividend Frenquency
Growth, Divi/e3/ Payout, Divi/e3/
Re-3vestme3t.
At the Dis.retio3 of Trustees
Minimum Investment
Cheques / DD to be drawn in
favour of
SYW%
InitiaI : Rs. 5000/- a3/ i3 multiples of
Rs 1 for pur.hases a3/ for Re 0.01 for
swit.hes.
AdditionaI : Rs.1000/- a3/ i3
multiples of Rs 1 for pur.hases a3/
for Re 0.01 for swit.hes.
Systematic : Rs.1000/- Sube.t to a
mi3imum of 6 SP i3stallme3ts of Rs.
1000/- ea.h)
Kotak Sele.t Fo.us Fu3/
Minimum Redemption Size Payout ScheduIe
Rs. 1000/- or 100 u3its
Note : f the hol/i3g is less tha3 Rs.
1000 or 100 u3its, after pro.essi3g the
re/emptio3 request, the e3tire
amou3t/u3its will be re/eeme/ from
the S.heme.
Tra3sa.tio3 /ay + 3 worki3g /ays.
Cut off for Transactions
3 PM
Entry Load Exit Load
NIL 1. For re/emptio3s / swit.h outs
(i3.lu/i3g SP/STP) withi3 1
year from the /ate of allotme3t
of u3its, irrespe.tive of the
amou3t of i3vestme3t:
2. For re/emptio3s / swit.h outs
(i3.lu/i3g SP/STP) after 1 year
from the /ate of allotme3t of
u3its, irrespe.tive of the amou3t
of i3vestme3t: NIL
3. Where u3its are allotte/ upo3
Rei3vestme3t of Divi/e3/s: NIL



SYW

DEBT SCHEME
Kotak Bond
(Open Ended Debt Scheme



Investment Objective
The 3vestme3t Obe.tive of the s.heme is to .reate a portfolio of /ebt a3/
mo3ey market i3strume3ts of /iffere3t maturities so as to sprea/ the risk
a.ross a wi/e maturity horizo3 & /iffere3t ki3/s of issuers i3 the /ebt markets .
Investment Pattern Benchmark Index
Investments
Indicative
AIIocation
Risk
ProfiIe
*Debt
3strume3ts
with maturity
more tha3
o3e year.
25% to
100%
Me/ium
*Debt a3/
Mo3ey
Market
i3strume3ts
with maturity
less tha3
o3e year.
10% to
100%
Low to
Me/ium

*Debt i3strume3ts are /eeme/ to
i3.lu/e se.uritise/ /ebt a3/
i3vestme3t i3 se.uritise/ /ebts shall
3ot ex.ee/ 50% of the 3et assets of
the S.heme.
Note :The asset allo.atio3 show3
above is i3/i.ative a3/ may vary
a..or/i3g to .ir.umsta3.es at the sole
/is.retio3 of the Fu3/ Ma3ager, o3
/efe3sive .o3si/eratio3 or a..or/i3g
to the i3terest rate view of the Fu3/
Ma3ager. Also, the .ompositio3 may
.ha3ge /ue to pur.hases a3/
re/emptio3 of U3its or /uri3g
a/ustme3t of the average maturity of
CRSL Composite Bo3/ Fu3/ 3/ex.
SYW
i3vestme3ts. Shoul/ the proportio3 of
i3vestme3ts with maturity more tha3 1
year fall below 25%, the portfolio will
be reviewe/ a3/ rebala3.i3g will be
.o3/u.te/ withi3 10 worki3g /ays.
Investment Horizon Estimated Recurring Expenses

Kotak Bond Deposit & ReguIar
PIan: 1 to 2 years.
Kotak Bond Deposit : 2.25%.

PIan
Deposit, Regular .
Investment Options Dividend Frenquency
Kotak Bond Deposit : Growth,
Divi/e3/ Payout, Divi/e3/
Rei3vestme3t.
Kotak Bond ReguIar : Growth,
Bo3us, Divi/e3/ Payout, Divi/e3/
Rei3vestme3t.
Kotak Bond Deposit PIan: QuarterIy
- 20th of Mar/Ju3/Sep/De..
Kotak Bond ReguIar PIan: QuarterIy
- 20th of Mar/Ju3/Sep/De.
Kotak Bond ReguIar PIan: AnnuaI -
12th of Mar.h.
Minimum Investment
Cheques / DD to be drawn in
favour of
InitiaI:
Kotak Bond Deposit: Rs. 5000/-
Kotak Bond ReguIar: Rs. 500000/-
A//itio3al : Rs. 1000/-
Systemati. : Rs. 1000/-
Kotak Bo3/
Minimum Redemption Size Payout ScheduIe
Rs. 1000/- or 100 u3its
Note : f the hol/i3g is less tha3 Rs.
1000 or 100 u3its, the e3tire bala3.e
will be re/eeme/ as a3/ whe3
re/emptio3 request is re.eive/ from
the i3vestor.
Tra3sa.tio3 /ay + 1 worki3g /ay.
Cut off for Transactions
3 PM
Note : f the i3vestme3t amou3t is greater tha3 or equal to Rs. 1,00,00,000 :
The .losi3g NAV of the /ay o3 whi.h the fu3/s are available for utilizatio3,
irrespe.tive of the time of re.eipt of appli.atio3
Entry Load Exit Load
NiI For Kotak Deposit Bond PIan :
For re/emptio3s / swit.h
SYW
outs (i3.lu/i3g SP/STP) withi3 1 year
from the /ate of allotme3t of
u3its, irrespe.tive of the amou3t of
i3vestme3t:
For re/emptio3s/swit.houts o3 or after
1 year : NiI

For Kotak Bond ReguIar PIan :
For re/emptio3s / swit.h
outs (i3.lu/i3g SP/STP) withi3 1 year
from the /ate of allotme3t of
u3its, irrespe.tive of the amou3t of
i3vestme3t:
For re/emptio3s/swit.houts o3 or after
1 year : NiI


Kotak Bond Short Term
(Open Ended Debt Scheme



Investment Objective
The 3vestme3t Obe.tive of the s.heme is to .reate a portfolio of /ebt a3/
mo3ey market i3strume3ts of /iffere3t maturities so as to sprea/ the risk
a.ross a wi/e maturity horizo3 & /iffere3t ki3/s of issuers i3 the /ebt markets .
Investment Pattern Benchmark Index
Investments
Indicative
AIIocation
Risk
ProfiIe
*Debt a3/
Mo3ey
Market
3strume3ts
with maturity
upto 1 year.
50% to
100%
Low
*Debt
i3strume3ts
with maturity
above 1
year.
0% to 50%
Low to
Me/ium

*Debt i3strume3ts shall be /eeme/ to
CRSL Short-Term Bo3/ Fu3/ 3/ex.
SYW
i3.lu/e se.uritise/ /ebt a3/
i3vestme3t i3 se.uritise/ /ebts shall
3ot ex.ee/ 50% of the 3et assets of
the Pla3.
Note :The asset allo.atio3 show3
above is i3/i.ative a3/ may .ha3ge
for a short term o3 /efe3sive
.o3si/eratio3s. For i3vestme3ts i3
/ebt i3strume3ts with maturity above
o3e year, a 3ormal /eviatio3 of upto
50% of the maximum i3/i.ative
allo.atio3 will be permissible. Whe3
i3vestme3t i3 /ebt a3/ mo3ey market
i3strume3ts with maturity above o3e
year ex.ee/s 50% of the maximum
i3/i.ative allo.atio3, review a3/
rebala3.i3g will be .o3/u.te/ withi3
three worki3g /ays.
Investment Horizon Estimated Recurring Expenses

6 mo3ths & above. 1.50%.

Investment Options Dividend Frenquency
Growth , Divi/e3/ Rei3vestme3t &
Divi/e3/ Payout.
Kotak Bond Short Term PIan:
MonthIy - 12th of mo3th.
Minimum Investment
Cheques / DD to be drawn in
favour of
InitiaI
- Divi/e3/ Re-i3vestme3t & Growth :
Rs. 5000/-
- Divi/e3/ Payout (Mo3thly Divi/e3/)
- Rs. 50,000 & above

AdditionaI : Rs. 1000/-
Systematic : Rs. 1000/-
Kotak Bo3/ Short Term Pla3
Minimum Redemption Size Payout ScheduIe
Rs. 1000/- or 100 u3its
Note : f the hol/i3g is less tha3 Rs.
1000 or 100 u3its, the e3tire bala3.e
will be re/eeme/ as a3/ whe3
re/emptio3 request is re.eive/ from
the i3vestor.
Tra3sa.tio3 /ay + 1 worki3g /ay.
Cut off for Transactions
SYW
3 PM
Note : f the i3vestme3t amou3t is greater tha3 or equal to Rs. 1,00,00,000 :
The .losi3g NAV of the /ay o3 whi.h the fu3/s are available for utilizatio3,
irrespe.tive of the time of re.eipt of appli.atio3
Entry Load Exit Load
NiI For re/emptio3s / swit.h outs
(i3.lu/i3g SP/STP) withi3 90 /ays
from the /ate of allotme3t of u3its,
irrespe.tive of the amou3t of
i3vestme3t:
For re/emptio3s / swit.h outs
(i3.lu/i3g SP/STP) after 90 /ays from
the /ate of allotme3t of u3its,
irrespe.tive of the amou3t of
i3vestme3t: NiI


Kotak GiIt Savings
(Open Ended Dedicated GiIt Unit Scheme

Investment Objective
To ge3erate risk free retur3s through i3vestme3ts i3 sovereig3 se.urities
issue/ by the Ce3tral Govt a3//or State Govts a3//or reverse repos i3 su.h
se.urities.
Investment Pattern Benchmark Index
BaIance
Maturity
Risk ProfiIe

Price
Risk
Credit
Risk
More tha3 5
years
Low Zero
Betwee3 1 to 5
years
Lower Zero
Less tha3 1
year
Lowest Zero
Se.urities hel/
u3/er Reverse
Repos
Zero
Very
Low

-Se. Si-Bex.
SYW
The risk profile /es.ribe/ above
i3/i.ates that the risks of a portfolio of
Gover3me3t Se.urities are i3variably
lower tha3 those of a portfolio of
i3vestme3ts of other types of
se.urities. Si3.e Gover3me3t
Se.urities /o 3ot pose a3y .re/it risk,
they are usually referre/ to as risk-
free se.urities.

Investment Pattern :
Portfolio of se.urities will have a
Weighte/ Average Maturity of upto 4
years.

Note :The asset allo.atio3 show3
above is i3/i.ative a3/ may .ha3ge
for a short term o3 /efe3sive
.o3si/eratio3s. Shoul/ the weighte/
average maturity of the portfolio
ex.ee/ four years, the portfolio will be
reviewe/ a3/ rebala3.e/.
Investment Horizon Estimated Recurring Expenses
6 mo3ths & above. 1.65%

Investment Options Dividend Frequency
Growth, Divi/e3/ Payout, Divi/e3/
Re-3vestme3t.
MonthIy - 12th of mo3th
AnnuaI
Minimum Investment
Cheques / DD to be drawn in
favour of
InitiaI
- Divi/e3/ Re-i3vestme3t & Growth
a3/ Divi/e3/ Payout (A33ual) - Rs.
5000 & above
- Divi/e3/ Payout (Mo3thly) - Rs.
50,000 & above

AdditionaI : Rs. 1000/-
Systematic : Rs. 1000/-
Kotak Gilt Savi3gs.
Minimum Redemption Size Payout ScheduIe
Rs. 1000/- or 100 u3its
Note : f the hol/i3g is less tha3 Rs.
1000 or 100 u3its, the e3tire bala3.e
Tra3sa.tio3 /ay + 1 worki3g /ay.
SYW
will be re/eeme/ as a3/ whe3
re/emptio3 request is re.eive/ from
the i3vestor.
Cut off for Transactions
3 PM
Note : f the i3vestme3t amou3t is greater tha3 or equal to Rs. 1,00,00,000 :
The .losi3g NAV of the /ay o3 whi.h the fu3/s are available for utilizatio3,
irrespe.tive of the time of re.eipt of appli.atio3
Entry Load Exit Load
NiI NIL



Kotak MuIti Asset AIIocation Fund
(An Open-Ended Debt Scheme


Investment Objective
The i3vestme3t obe.tive of the s.heme is to ge3erate i3.ome by i3vesti3g
pre/omi3a3tly i3 /ebt a3/ mo3ey market se.urities, to ge3erate growth by
taki3g mo/erate exposure to equity a3/ equity relate/ i3strume3ts a3/ provi/e
/iversifi.atio3 by i3vesti3g i3 Gol/ ETFs.
Investment Pattern PortfoIio RebaIancing
Investments
Indicative
AIIocation
Risk
ProfiIe
Debt a3/
mo3ey
market
i3strume3ts
75% to
90%
Low
Equity a3/
equity
relate/
i3strume3ts
5% to 20% High
U3its of Gol/
ETFs *
5% to 20%
Me/ium
to High

*3vestme3ts will be ma/e i3 Gol/
ETF's base/ o3 .o3si/eratio3s of
pri.e, tra.ki3g error, performa3.e ,
portfolio , expe3se ratio, materiality of
The asset allo.atio3 show3 above is
i3/i.ative a3/ may .ha3ge for the
short term at the /is.retio3 of the fu3/
ma3ager i3 .ase of /efe3sive
.o3si/eratio3s a3/ be.ause of market
a.tio3. f altere/, the allo.atio3 woul/
be rebala3.e/ withi3 15 busi3ess
/ays.
SYW
/iffere3.es et.., base/ o3 the
u/gme3t of the fu3/ ma3ager The
s.heme may also i3vest i3 Kotak Gol/
ETF, sube.t to i3vestme3t
restri.tio3s.
The total gross exposure i3vestme3t
i3 equity + /ebt + mo3ey market
i3strume3ts (ex.lu/i3g .ash a3/ .ash
equivale3ts with resi/ual maturity of
less tha3 91 /ays) + /erivatives
positio3s+ Gol/ ETF shall 3ot ex.ee/
100% of 3et assets of s.heme.
The s.heme will 3ot i3vest i3
se.uritise/ /ebt.
Investment Horizon Estimated Recurring Expenses

1 - 2 Years 2.50

PIan Benchmark Index
NA 80% - CRSL MP Ble3/e/ Fu3/
3/ex a3/ 20% - pri.e of gol/.
Investment Options Dividend Frenquency
Divi/e3/ Payout, Divi/e3/
Rei3vestme3t & Growth
Mo3thly (12th of Every Mo3th),
Quarterly (20th of Mar/Ju3/Sep/De.),
A33ual (12th of Mar.h)
Minimum Investment
Cheques / DD to be drawn in
favour of
InitiaI : Rs. 10000/- a3/ i3 multiples of
Re 1 for pur.hases a3/ for Re 0.01 for
swit.hes.
AdditionaI : Rs.1000/- a3/ i3
multiples of Rs 1 for pur.hases a3/
for Re 0.01 for swit.hes.
Systematic : Rs.1000/- Sube.t to a
mi3imum of 10 SP i3stallme3ts of Rs.
1000/- ea.h)
Kotak Multi Asset Allo.atio3 Fu3/
Minimum Redemption Size Payout ScheduIe
Rs. 1000/- or 100 u3its
Note : f the hol/i3g is less tha3 Rs.
1000 or 100 u3its, after pro.essi3g the
re/emptio3 request, the e3tire
amou3t/u3its will be re/eeme/ from
the S.heme.
Tra3sa.tio3 /ay + 1 worki3g /ays.
SYW%
Cut off for Transactions
3 PM
Entry Load Exit Load
NiI i) For exit withi3 1 year from the /ate
of allotme3t of u3its: 1%. ii) For exit
after 1 year from the /ate of allotme3t
of u3its : NiI



BALANCE SCHEME:
Kotak BaIance
(Open Ended BaIanced Scheme

Investment Objective
The i3vestme3t obe.tive of the s.heme is to ge3erate i3.ome by i3vesti3g
pre/omi3a3tly i3 /ebt a3/ mo3ey market se.urities, to ge3erate growth by
taki3g mo/erate exposure to equity a3/ equity relate/ i3strume3ts a3/ provi/e
/iversifi.atio3 by i3vesti3g i3 Gol/ ETFs.
Investment Pattern PortfoIio RebaIancing
Investments
Indicative
AIIocation
Risk
ProfiIe
Debt a3/
mo3ey
market
i3strume3ts
75% to
90%
Low
Equity a3/
equity
relate/
i3strume3ts
5% to 20% High
U3its of Gol/
ETFs *
5% to 20%
Me/ium
to High

*3vestme3ts will be ma/e i3 Gol/
ETF's base/ o3 .o3si/eratio3s of
pri.e, tra.ki3g error, performa3.e ,
portfolio , expe3se ratio, materiality of
The asset allo.atio3 show3 above is
i3/i.ative a3/ may .ha3ge for the
short term at the /is.retio3 of the fu3/
ma3ager i3 .ase of /efe3sive
.o3si/eratio3s a3/ be.ause of market
a.tio3. f altere/, the allo.atio3 woul/
be rebala3.e/ withi3 15 busi3ess
/ays.
SYW%
/iffere3.es et.., base/ o3 the
u/gme3t of the fu3/ ma3ager The
s.heme may also i3vest i3 Kotak Gol/
ETF, sube.t to i3vestme3t
restri.tio3s.
The total gross exposure i3vestme3t
i3 equity + /ebt + mo3ey market
i3strume3ts (ex.lu/i3g .ash a3/ .ash
equivale3ts with resi/ual maturity of
less tha3 91 /ays) + /erivatives
positio3s+ Gol/ ETF shall 3ot ex.ee/
100% of 3et assets of s.heme.
The s.heme will 3ot i3vest i3
se.uritise/ /ebt.
Investment Horizon Estimated Recurring Expenses

1 - 2 Years 2.50
PIan Benchmark Index
NA 80% - CRSL MP Ble3/e/ Fu3/
3/ex a3/ 20% - pri.e of gol/.
Investment Options Dividend Frenquency
Divi/e3/ Payout, Divi/e3/
Rei3vestme3t & Growth
Mo3thly (12th of Every Mo3th),
Quarterly (20th of Mar/Ju3/Sep/De.),
A33ual (12th of Mar.h)
Minimum Investment
Cheques / DD to be drawn in
favour of
InitiaI : Rs. 10000/- a3/ i3 multiples of
Re 1 for pur.hases a3/ for Re 0.01 for
swit.hes.
AdditionaI : Rs.1000/- a3/ i3
multiples of Rs 1 for pur.hases a3/
for Re 0.01 for swit.hes.
Systematic : Rs.1000/- Sube.t to a
mi3imum of 10 SP i3stallme3ts of Rs.
1000/- ea.h)
Kotak Multi Asset Allo.atio3 Fu3/
Minimum Redemption Size Payout ScheduIe
Rs. 1000/- or 100 u3its
Note : f the hol/i3g is less tha3 Rs.
1000 or 100 u3its, after pro.essi3g the
re/emptio3 request, the e3tire
amou3t/u3its will be re/eeme/ from
the S.heme.
Tra3sa.tio3 /ay + 1 worki3g /ays.
SYW
Cut off for Transactions
3 PM
Entry Load Exit Load
NiI i) For exit withi3 1 year from the /ate
of allotme3t of u3its: 1%. ii) For exit
after 1 year from the /ate of allotme3t
of u3its : NiI




FUND OF FUND SCHEME:
Kotak Equity FOF
(Open Ended Equity Fund of Fund Scheme



Investment Objective
To ge3erate lo3g-term .apital appre.iatio3 from a portfolio .reate/ by i3vesti3g
pre/omi3a3tly i3 ope3-e3/e/ /iversifie/ equity s.hemes of Mutual
Fu3/s registere/ with SEB.
Investment Pattern Benchmark Index
Ope3-E3/e/ Diversifie/ Equity
S.hemes : 90% - 100%
3ter ba3k Call a3//or reverse repo
a3//or short-term fixe/ /eposits
a3//or S.hemes whi.h i3vest
pre/omi3a3tly i3 the mo3ey market or
floati3g rate se.urities : 0% - 10%
S & P CNX Nifty.
Investment Horizon Estimated Recurring Expenses

1 - 3 years. 0.75%.

Investment Options Dividend Frenquency
Growth & Divi/e3/ Payout, Divi/e3/
Re-3vestme3t.
At the Dis.retio3 of Trustees
Minimum Investment
Cheques / DD to be drawn in
favour of
SYW
3itial : Rs. 5000/-
A//itio3al : Rs. 1000/-
Systemati. : Rs. 1000/-
Kotak Equity FOF
Minimum Redemption Size Payout ScheduIe
Rs. 1000/- or 100 u3its
Note : f the hol/i3g is less tha3 Rs.
1000 or 100 u3its, the e3tire bala3.e
will be re/eeme/ as a3/ whe3
re/emptio3 request is re.eive/ from
the i3vestor.
Tra3sa.tio3 /ay + 5 worki3g /ays
Cut for Transactions
3 PM
Entry Load Exit Load
NIL 1. For re/emptio3s / swit.h outs
(i3.lu/i3g SP/STP) withi3 1
year from the /ate of allotme3t
of u3its, irrespe.tive of the
amou3t of i3vestme3t:
2. For re/emptio3s / swit.h outs
(i3.lu/i3g SP/STP) after 1 year
from the /ate of allotme3t of
u3its, irrespe.tive of the amou3t
of i3vestme3t: NIL
3. Where u3its are allotte/ upo3
Rei3vestme3t of Divi/e3/s: NIL

















SYW
7Top Mangement ProfiIe:


REPORTING STRUCTURE OF THE KOTAK ASSET MANAGEMENT COMPANY


A|| Ind|a D|str|but|on nead

keg|ona| nead



keta|| nead Inst|tut|ona| nead



lndlvldual llnanclal Advlsor naLlonal ulsLrlbuLors 8anklng Su's lnsLlLuLlonal
(AV) (AV) (AV) (AV) (AV)







Sa|es Manager Sa|es Manager Sa|es Manager Sa|es Manager Sa|es Manager Sa|es Manager


1ra|nee 1ra|nee 1ra|nee 1ra|nee 1ra|nee 1ra|nee



*AVP: Assista3t Vi.e Presi/e3t






SYW
iArea or department under which Internship is conducted:

The 3ter3ship was .o3/u.te/ i3 the sales /epartme3t of the Mutual Fu3/ i3 the Ba3ki3g
Cha33el whi.h is the o3e ki3/ of the Distributio3 Cha33el. Distributio3 .ha33el .a3 be
.lassifie/ as :

Direct SeIIing: Dire.t selli3g is the least sig3ifi.a3t eleme3t to/ay. Normally, o3ly verybig
ti.ket items are /o3e through this. Alter3atively, it /erives its i3flows mai3ly from o3li3e
sales. However, re.e3t .ha3ges i3 regulatio3 are all set to give this .ha33el a fillip. MFs
are geari3g up by ope3i3g their ow3 offi.es i3 more pla.es. Also R&T Age3ts are
expa3/i3g their i3frastru.ture to fa.ilitate this.

Organised distributors: Orga3ise/ /istributors are the ba.kbo3e of MF /istributio3.
They have i3frastru.ture a3/ flexibility to a/apt to the 3ee/ of the hour. They too have
realize/ the importa3.e of goi3g to smaller .e3tres a3/ are establishi3g offi.es i3 urba3
a3/ semi- urba3 lo.atio3s. This is the se.tor whi.h 3ee/s to be 3urture/ to expa3/.

Banks as distributors: Mutual fu3/ /istributio3 by ba3ks is emergi3g a key eleme3t.
Ba3ks have huge pote3tial to buil/ a3/ improve the retail segme3t, whi.h 3ee/s to
be.ome as stro3g as its i3stitutio3al .ou3terpart. Eve3 amo3g ba3ks there are two maor
types of /istributors. There are those that ha3/le wealth ma3ageme3t of their .lie3ts a3/,
o3 their behalf, ma3age portfolios wherei3 i3vestme3t i3 mutual fu3/s is o3e asset .lass.
Su.h ba3ks have sophisti.ate/ wealth ma3ageme3t pra.ti.es with qualifie/ staff a3/ well-
heele/ .lie3ts. MNC ba3ks, private ba3ks a3/ a few 3i.he players (like HSBC, Citi, CC,
HDFC, Kotak et.) are examples. The3 there are ba3ks that use their 3etworks to sell MFs
as ust a3other fi3a3.ial servi.e. Most of the PSBs a3/ other .ommer.ial ba3ks i3.lu/i3g
large .ooperative ba3ks fall u3/er this .ategory. For the ba3ks the existi3g .ustomer base
serves as a .aptive prospe.tive i3vestor base for marketi3g mutual fu3/s. They have the
a/va3tage of havi3g alrea/y wo3 the trust of the .ustomer. There is 3o other /istributio3
.ha33el that .a3 have a more effe.tive retail pe3etratio3 a.ross Tier- a3/ Tier- .ities as
well as a.ross rural 3/ia. This .ha33el has slowly realize/ its ow3 pote3tial a3/ is 3ow
emergi3g as a big players.


Independent FinanciaI Advisors: Prese3tly the FA is the frie3/ly 3eighbourhoo/ guy
o3e who is very effe.tive i3 selli3g the pro/u.t. However, he has to ma3age his .osts from
the .ommissio3 he gets. A/visory servi.es are to/ay give3 gratis. The s.e3ario is
.ha3gi3g a3/ the spa.e i3 a/visory servi.es will u3/ergo a rapi/ .ha3ge i3 the 3ext few
years. Fi3a3.ial Pla33i3g servi.es will be mu.h sought after a3/ Certifie/ Fi3a3.ial
Pla33ers will be i3 /ema3/ for their spe.ialize/ servi.es.
SYW





iiThe Mentor detaiIs:
Name : Mr Asif Hasa3 Kha3
Designation: Se3ior Ma3ager Sales
MoiIe No: 9999877201
EmaiI Id : asifhasa3.kha3kotak..om

iiiThe tasks assigned:
The Ba3ks whi.h was allotte/ to me are HDFC, Kotak Ba3k, DB, Dha3alakshmi Ba3k.
My mai3 work was to mai3tai3 goo/ relatio3 with the Bra3.h Ma3ager, Relatio3ship
Ma3ager a3/ the Perso3al Ba3kers whatever bra3.hes were bei3g allotte/ to me. The
profile whi.h was ha3/li3g /uri3g the i3ter3ship was of Relatio3ship Ma3ager.
3 the First Mo3th for the first two weeks trai3i3g was give3 to me regar/i3g the pro/u.ts
of the Mutual Fu3/.The3 was give3 seve3 bra3.hes of HDFC ba3ks to ha3/le the
relatio3ship with the bra3.hes.
3 the Se.o3/ Mo3th was give3 more bra3.hes to ha3/le whi.h were of North a3/
South Delhi HDFC Bra3.hes whi.h brought goo/ busi3ess. 3 the same time was also
lear3i3g the operatio3 work of the Mutual Fu3/.
3 the Thir/ Mo3th was give3 /iffere3t Ba3k that is DB a3/ also ha/ to ha3/le the
earlier bra3.hes as well. Bei3g i3 the Sales Departme3t my priority work was to bri3g
Busi3ess. The proe.t was also give3 to me to work a3/ the topi. was "Distributio3 Of
Mutual Fu3/ Through Various Cha33els.
3 the Fourth a3/ Fifth Mo3ths was give3 Kotak Mahi3/ra Ba3k a3/ Dha3alakshmi Ba3k.
There are about 53 Bra3.hes of Kotak Mahi3/ra Ba3k a3/ 7 Bra3.hes of Dha3alakshmi
Ba3ks i3 Delhi. Lot of bra3.hes were give3 whi.h was quite .halle3gi3g for me to work.3
these mo3ths brought goo/ busi3ess i3to the .ompa3y.


SYW
iv The reIationship of the tasks with the Project titIe under the Internship program:

Doi3g my i3ter3ship i3 the Sales Departme3t of the Ba3k Cha33el whi.h is also o3e of
the Distributio3 Cha33el of the Mutual Fu3/. Distributio3 .ha33els are also importa3t for
the i3vestme3t i3 mutual fu3/. They .a3 .ha3ge i3vestors' mi3/ from o3e i3vestme3t
optio3 to others. Ma3y of i3vestors /ire.tly i3vest their mo3ey through AMC be.ause they
/o 3ot have to pay e3try loa/. O3ly those people i3vest /ire.tly who k3ow well about
mutual fu3/ a3/ its operatio3s a3/ those have time.



iv LikeIy impact/contribution made to the department in their operationaI or strategic
issues:

The Co3tributio3 whi.h ma/e to the /epartme3t was:

a) The bra3.hes whi.h were i3a.tive a3/ was 3ot provi/i3g a3y busi3ess was a.tivate/.

b) 3 the Mo3th of Ju3e was the Highest Target a.hiever.

.) Through out i3ter3ship perio/ brought the goo/ busi3ess a3/ also mai3tai3e/ the
goo/ relatio3 with my bra3.hes. As the Relatio3ship is .o3si/ere/ to be the vital role
while selli3g Mutual Fu3/ Pro/u.ts.














SYW





















ANNEXURE





SYW
kLCk1 NC CNL]1WC]1nkLL]ICUk]IIVL]SIk]SLVLN
Name of the Intern D|v|sha Iha
Name of the Crgan|zat|on kotak Mutua| Iund
Name of the Mentor ass|gned |n the organ|zat|on Mr As|f nasan khan
Name of the Inst|tute Gu|de ass|gned Ind|an Schoo| Cf bus|ness I|nance

@asks by Lhe menLor Lo be performed durlng Lhe lnLernshlp perlod
1 l have been placed ln Lhe sales deparLmenL My maln work ls Lo go Lo Lhe PulC branches whlch have
been alloLLed Lo me l have Lo go Lo Lhe WesL uelhl
2 @he drlve ls golng on PulC branches so Lhe LargeL has been glven Lo me whlch has Lo be achleved by
31sL May 2011
3 My deslgnaLlon ls Lhe 8elaLlonshlp Manager Cenerally l need Lo meeL Lhe 8ranch Managers Lhe
ersonal 8anker sales and Lhe branch 8elaLlonshlp Manager l need Lo explaln Lhe koLak fund schemes Lo
Lhem
4 My work ls Lo check all Lhe forms belng fllled up by Lhe branches and Lhen glve Lhe forms Lo Lhe
operaLlon Leam for Lhe log ln
3 nexL day l need Lo glve Lhe recelpL Lo Lhe branches for Lhe forms whlch have been logln
6 AfLer Lhls drlve Lhe nexL drlve wlll geL sLarL ln norLh uelhl
Looklng forward for Lhe drlves
















SYW%




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Name of the Intern D|v|sha Iha
Name of the Crgan|zat|on kotak Mutua| Iund
Name of the Mentor ass|gned |n the organ|zat|on Mr As|f nasan khan
Name of the Inst|tute Gu|de ass|gned Ind|an Schoo| of 8us|ness I|nance


%lnclude documenLaLlon handllng Lhelr descrlpLlon flle managemenL and reporLlng sLrucLures lnclude
also a organlzaLlon charL where you see yourself llkely ln fuLure )

DCCUMLN1A1ICN nANDLING
Step 1 Common appllcaLlon forms are fllled by bankers as well as by me Lhen submlL Lhe form Lo Lhe
operaLlon Leam
Step 2 1he operaLlon Leam make Lhe runner sheeL and schedule of all Lhe appllcaLlon form recelved from
Lhe sales guys on everyday basls
Step 3 Lhe schedule along wlLh Lhe appllcaLlon forms are submlLLed ln Lhe CAMS %@he back offlce of Lhe
muLual fund lndusLry)
Step 4 Lhe back offlce Lhen do Lhe needful lf Lhe requesL comes regardlng Lhe change of address and Lhe
oLher requesL







SYW%
kLCk1ING S1kUC1UkL
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keg|ona| nead



keta|| nead Inst|tut|ona| nead



lndlvldual llnanclal Advlsor naLlonal ulsLrlbuLors 8anklng Su's lnsLlLuLlonal
(AV) (AV) (AV) (AV) (AV)







Sa|es Manager Sa|es Manager Sa|es Manager Sa|es Manager Sa|es Manager Sa|es Manager


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