Premium Banking programme of

Kotak Mahindra Bank

Advantage you receive with Kotak
Experience a league of products and services that takes you places

Personal & Wealth Stock Broking Mutual Funds Loans

Commercial Management
Banking

Life Insurance Investment 1362 Branches

Banking across India
Offices subsidiaries in London,
New York, Dubai, Abu Dhabi,
Singapore and Mauritius

Disclaimer: Mutual funds offered by Kotak Mahindra Asset Management Company, Life Insurance offered by Kotak Mahindra Old Mutual Life Insurance Ltd., Car Loans offered by Kotak Mahindra Prime Ltd., Stock Broking offered by 3
Kotak Securities Ltd. (these are subsidiaries of Kotak Mahindra Bank Ltd.)
Some awards and applause along the way
Best Private Bank, India
FinanceAsia Country Awards 2016 Assets under management / advice as of 30th Sept 2017

8 years in a row (2009 – 2016) Rs. 169,214 Cr

Best Corporate & Investment Bank, India Most Future Ready Bank, India in
by Asiamoney Best Bank Awards 2017 - India Business Today - KPMG’s Best Bank Study 2015

Best Private Bank, India Company with Great Managers

Global Private Banking 2016 The Great Managers Award 2016 by People Business and ToI
by Financial Times Group

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For the exclusive few. For the exclusive you.

• Banking at its finest

• Prime facilities and hand-picked services

• Designed to match the clients’ premium lifestyle

5
The Pillars of Privy League

Ace Success Priority Service Privileges

End-to-end Banking Financial Planning & Priority at all Touch Points Lifestyle Benefits
Solutions Investments

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 Get all aces up your sleeve
End-to-End Banking Solutions

Hit a six in style with an
interest up to 6% p.a. on
your savings account.
Get closer to your dreams
with attractive discounts on
Loans. Plus, experience
lower processing fees and
preferential interest rates,
We believe in mutual
benefit that’s why we do not
charge transaction fees
for mutual fund
transactions.
You’re priceless that’s Up to 50% discount on Access exclusivity and
why we offer Preferential locker rentals privileges through VISA
pricing on banking Platinum / VISA Signature
Debit / Credit Cards
transactions
With you at every step of your dream
• Smart Overdraft: A unique overdraft facility linked to your Trade and Foreign
Savings Account Exchange
• Smart Home: A Bank account with the benefit of a housing loan Attractive discounts on trade
commission and preferential
• Loan against Shares | Loan against Property | Equipment Financing
rates on forex services
Travel smarter with No issuance fee of Best
Privy League branded
discounts on issuance fee Compliments Card
Net Banking Screen
of Multi Currency World
Travel Card
Best in class experience with the highest rated Mobile Banking App (4.5)
and 100+ features
Source : Google Play store
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Success comes to those who plan well
Planning & Investments
An expert team of Investment
Counsellors & Relationship Managers
providing adept advice and solutions, to
ensure that clients meet their financial
goals, always
Kotak offers referral services in:
• Portfolio Management Services or PMSs
• Alternative Investment Funds or AIFs
• Structured Products
Trinity Account (3-in-1 Integrated Account)
Bank Demat Trading Account
Account Account (offered by Kotak
Securities Ltd.)
Preferential broking rates, Strong research
team, Avail benefits of margin against
securities for intraday in cash segment, SMS
alerts for stock updates and trades
Get the right asset portfolio to build
your goals.
• Risk Profiling
• Identification of Financial Goals
• External Factors
Kotak Private Banking System (KPBS):
Facilitates generating a Consolidated
Holdings Report for the client and
his/her family
Asset Register: Get an in-depth
analysis of your assets as well as your
family’s assets in case of any urgency.
Get research and Insights through
monthly Investment Bulletin
We help you prepare for life.
• Life Insurance
• Health & Motor Insurance
• National Pension Savings Scheme
• Other General Insurance
Make the most of every investment
• Unique Single Window Online Account
• 24x7 Transactions in MF units through
internet / mobile
• MF Recommendations, Return analysis,
Research reports
• Purchase or Redeem over 2200 Funds
Where there is a will, there is a smart
way with Smart Will, an online Will
creation platform in association with Kotak
Securities
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Our Priority - You
Priority Service
Always there for you Bank or Office, we’ll be there
Priority Service at Contact Centre Cash / Cheque / DD pick-up or delivery
Dedicated toll free Contact Centre Number

A call away Our banking starts with you.

KPRIVY – A priority 30 min call back service at the Priority Service Desk at branches,
Contact Centre Priority Queue at cash counters

Priority servicing of requests, Lower Turn Around Time

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 Privileges
… for the select few
A lifestyle that’s tailor made for you:
Wellness, travel, entertainment, dining delights, Exclusive offer vouchers and online coupons
international designer fashion labels, etc.

RSVIP
Welcome gifts
Invitations to exclusive events

Travel in style
For the well read =
Airport Lounge Access Programme
e-Select magazine
• At International Airports through Priority Pass*
• At Airports in India through VISA Signature Debit / Credit
Cards*
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*Visit www.kotak.com for details
 Privy League Proposition: Your family is part of the league

Extend benefits to family and businesses*

Uniform benefits to all family members

Recognition of relationship value spread

across multiple entities and family members
Individual Group
Relationship Relationship

*Privy League Current or Savings General Schedule of Features and Charges (GSFC) will apply as per the Privy League tier and the type of account (Savings or Current Account).
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Benefits at every level
Privy League – 3 programmes. Unlimited benefits.
Privy League is a 3 tiered programme with a world of banking benefits and lifestyle privileges increasing from Prima to Optima to Insignia.

Prima
Entry level tier

AMB AMB AMB AMB

Eligibility Rs.
AMB
Rs. Rs. Rs. Rs.
Criteria 2L 5L 10L 15L 1Cr + Rs. 2L
RV
Savings A/C Current A/C Savings A/C Current A/C Savings/Current
A/C
OR OR

Rs. AMB AMB

Rs.
+ Rs. Rs.
10L 30L +
50K 1L
RV RV
Savings/Current Savings/Current
A/C A/C

Minimum
Initial
Cheque
Rs. 5L Rs. 15L Rs. 50L

^Relationship Value (RV) is derived from a combination of balances across your savings and current accounts, term deposits, mutual funds (including structured products) and insurance premiums paid life to date
AMB means Average Monthly Balance. Clients will need to maintain eligibility criteria to continue enjoying the programme benefits. All figures are in Ruppes. L stands for Lakhs and K for thousand.
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Premium Banking Prima

Privy League branded Debit Card Visa Platinum Visa Signature Visa Signature

- Higher Daily cash withdrawal POS limit Rs. 1.5 lakhs; Rs. 2 lakhs; Rs. 2 lakhs;

- Higher daily POS spends limit Rs. 3.5 lakhs Rs. 4 lakhs Rs. 4.5 lakhs

- Unlimited access to any VISA ATM globally* Yes Yes Yes

- payWave enabled for faster, contactless payments^;

Yes Yes Yes
- Fuel surcharge waiver of 2.5% capped at Rs. 750 per month

- Complimentary access to domestic Airport Lounges^^ No 1 in a quarter 1 in a quarter

Privy League branded payable at-par cheque book Yes Yes Yes

Yes, higher benefits Yes, higher benefits

Reduced charges on Banking transactions# Yes
than Prima than Optima

Waiver on Locker Rentals** 25% 40% 50%

Waiver on Kotak World Travel Card Issuance Charges 25% 100% 100%

*Additional charges levied by another bank on international ATM transactions will have to be borne by the card holder. ^Details at https://www.kotak.com/en/personal-banking/cards/debit-card-services/pay-
wave.html ^^List of lounges available on www.kotak.com #Details mentioned in the Privy League Current and Savings Account General Schedule of Features and Charges (GSFC), which is available at 18
your nearest Kotak Mahindra Bank branch and www.kotak.com **Allotment of locker is subject to availability
Loans & Investments Prima

Waiver on Demat Account maintenance charges 100% 100% 100%

Waiver on Trinity Account^ opening charges 50% 100% 100%

Intraday: 0.049%; Intraday: 0.029%; Intraday: 0.025%;

Brokerage Levied by Kotak Securities
Delivery: 0.49% Delivery: 0.29% Delivery: 0.25%

Discounts on processing fee and preferential interest rates

Yes, higher benefits Yes, higher benefits
(home loans, car loans, personal loans, business loans, term loans, working capital loans, Yes
than Prima than Optima
loan against shares and loan against property)

Smart Home: 30% of loan amount disbursed as an overdraft and 70% as a term loan. Excess
funds in your Savings Account over a threshold are transferred automatically to the overdraft No Yes Yes
account, helping you save interest on your Home Loan.

Smart Overdraft: An unsecured overdraft limit of up to 4 times your gross salary* No Yes Yes

^Trinity account is a 3-in-1 account to enable your stock market investments, which comprise of the Bank Account, Demat Account (offered by Kotak Securities Ltd., a Kotak group
company) and the Online Trading Account (offered by Kotak Securities) *Terms and Conditions apply. This facility is available in select locations. Credit at the sole discretion of the
Bank.

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Customer Experience Prima

Dedicated Relationship Manager, Priority Service at

Yes Yes Yes
Branches & Contact Centre

KPRIVY – 30 min callback service* No Yes Yes

Nil charges upto 10 calls /

Home Banking Service complimentary usage^ month in Savings A/C;
Nil charges Nil charges
(Cash or instrument Pick Up / Delivery) Nil charges upto 1 call / day in
Current A/C

Lifestyle Benefits Prima

Select e-zine: Lifestyle magazine for Privy League clients Yes Yes Yes

Exclusive offers and vouchers on Wellness, travel, entertainment,

Yes Yes, higher benefits than Prima Yes, higher benefits than Optima
dining delights, international designer fashion labels, etc.

Invitations to events No Yes Yes, higher benefits than Optima

Priority Pass Membership for access to international Airport 50% waiver on issuance fees 75% waiver on issuance fees and 4 100% waiver on issuance fees and
lounges# complimentary usages in a year** 4 complimentary usages in a year**

^offered at select branches only *conditions apply. #List of lounges available on www.kotak.com **issued against the Privy League Signature credit card – details on next slide
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The Additional Insignia Edge
Complimentary Privy League Signature Credit Card*

Complimentary Priority Pass Membership with complimentary 4 Complimentary PVR movie tickets each quarter^
usage at International Airport Lounges 4 times in a year

Complimentary VISA Concierge Services

Complimentary visits to VISA lounges in India twice a quarter

Other VISA Signature offers from time to time

Higher reward points on special categories
Nil Joining and Annual fees

Also available to Optima customers at Joining Fees of Rs. 5000 and Annual Fees of Rs. 5000, waived upon spending Rs. 7.5 lakhs in a year

League Platinum Credit Card for Prima customers

Milestone Rewards Program - 4 PVR tickets / 10,000 reward Higher reward points on special categories
points upon spending Rs. 1.25 lakhs every 6 months

Nil Joining Fees, Annual Fees of Rs.500, waived basis

Other VISA Platinum offers from time to time spending Rs.50,000 in a year

*Terms and Conditions apply. Some of the Privy League Signature Card benefits are applicable for the first year only. Annual Fees of Rs. 2500 applicable for Insignia
Associate customers, can be waived basis spends of Rs. 5 lakhs in a year. Credit at the sole discretion of the Bank. 21
^On spends of atleast Rs.1000 in every month of the quarter
We’re happy to meet you
Relationship Manager: Your dedicated Relationship Manager is your first point of contact and is best suited to provide
you with personalized service for any financial requirement

Talk: You can easily reach our 24x7 Customer Contact Centre toll free at 18002666666

Text: You can SMS KRPIVY to 5676788 and we will call you back within 30 minutes.*
*This service is applicable only for Optima and Insignia customers, for any SMS received between 9.30 am and 6.30 pm
from Monday to Saturday.

Mail: You can drop us a mail at privileged@kotak.com for any queries

Surf: You can visit our website www.privyleague.com

Visit: You can drop in at any of our branches spread across many locations in India
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Disclaimer
This presentation is for information purposes only and does not constitute an offer, solicitation or advertisement with respect to the purchase or sale of any security of Kotak Mahindra Bank Limited (the
“Bank”) and no part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. No offering of securities of the Bank will be made except by means of a
statutory offering document containing detailed information about the Bank. “
This presentation is not a complete description of the Bank. The information in this presentation is subject to change without notice, its accuracy is not guaranteed, it may be incomplete or condensed and
it may not contain all material information concerning the Bank. We do not have any obligation to, and do not intend to, update or otherwise revise any statements reflecting circumstances arising after the
date of this presentation or to reflect the occurrence of underlying events, even if the underlying assumptions do not come to fruition.
All information contained in this presentation has been prepared solely by the Bank. No information contained herein has been independently verified by anyone else. No representation or warranty
(express or implied) of any nature is made nor is any responsibility or liability of any kind accepted with respect to the truthfulness, completeness or accuracy of any information, projection, representation
or warranty (expressed or implied) or omissions in this presentation. Neither the Bank nor anyone else accepts any liability whatsoever for any loss, howsoever, arising from any use or reliance on this
presentation or its contents or otherwise arising in connection therewith. This presentation may not be used, reproduced, copied, distributed, shared, or disseminated in any other manner.
In preparation of the material contained in this presentation, Kotak Mahindra Bank has used information that is publicly available, including information developed in-house. Some of the material used in
the document may have been obtained from members/persons other than Kotak Mahindra Bank and /or its affiliates and which may have been made available to Kotak Mahindra Bank and/ or its affiliates.
Information gathered and material used in this document is believed to be from reliable sources. For data reference to any third party in this material no such party will assume any liability for the same.
Kotak Mahindra Bank and/or any affiliate of Kotak Mahindra Bank does not in any way through this material will assume any liability for the same. All recipients of this material should before dealing and or
transacting in any of the products referred to in this material make their own investigation, seek appropriate professional advice.
The Bank is providing information about the services provided by Ameretat Technologies Private Limited (“Willsecure”) purely for the convenience of its customers and as a goodwill and service gesture.
Kotak Securities Limited, our wholly owned subsidiary brings to you this service by way of their tie-up with WillSecure. Bank has no connection, tie-up or arrangement with Willsecure and the services are
directly and exclusively provided by WillSecure without any representation or warranty from Bank. The provision of information provided in the attached presentation shall not be construed as a guarantee,
endorsement or recommendation by Bank of the services provided by Willsecure. Bank, its directors or employees shall not be held liable for any actions, claims, demands, losses, damages or costs in
respect of any deficiency or inadequacy in services rendered by Willsecure, its agents or representatives. Customers choosing to avail the services shall be governed by the terms and conditions
stipulated in the contract between them and Willsecure and neither the Bank shall be a party thereto, nor will it be concerned or connected therewith in any manner.
This material is strictly confidential to the recipient and is meant for private circulation only. The distribution of this document in certain jurisdictions may be restricted by law and persons into whose
possession this presentation comes should inform themselves about, and observe, any such restrictions.
Figures for the previous period/ year have been regrouped wherever necessary to conform to current period’s / year’s presentation. Totals in some columns/ rows may not agree due to rounding off.

© Copyright with Kotak Mahindra Bank Ltd

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Be a part of the premium league