DECLARATION

I, Akhilesh Grover, a Student of BBA 2010-13 Batch, Sri Aurobindo College of Commerce and Management, Ludhiana hereby declare that the project on the topic Financial Ratio Analysis of Kotak Mahindra Bank is my original work and that it has not previously formed the basis for the award of any other Degree, Diploma, Fellowship or other similar titles. It has been done under the guidance of Ms Jaspreet Kaur, Assistant Professor, SACCM,Ludhiana

Akhilesh Grover

ACKNOWLEDGEMENT A KIND THOUGHT HAS A MORE THAN A MATERIAL GIFT BECAUSE IT CANNOT BE BOUGHT

First of all I would like to thank almighty for vesting me wisdom without which I would not be able to carry out this project. A project usually falls short of its expectations unless guided by the right person at the right time. This project would not have been completed without the direct or indirect help and guidance of such luminaries in KOTAK MAHINDRA BANK. They provided us with the necessary resources and an environment conducive for healthy learning and training under their able guidance. The summer training was an amazing experience. It gave the much needed knowledge. I got a chance to understand the activities performed. However, this would not have been possible without the noble attitude of some persons in bank. At the outset, I would like to take this opportunity to gratefully acknowledge the very kind and patient guidance and encouragement that I have received from Ms. Jaspreet Kaur, Assistant Professor. Last but not the least I would like to thank all the staff of bank who had directly or indirectly supported me in completion of my project report. AKHILESH GROVER

CERTIFICATE OF APPROVAL

This is to certify that the project work entitled Financial Ratio Analysis of Kotak Mahindra Bank is a bonafide work carried out by Mr. Akhilesh Grover in partial fulfillment for the degree of Bachelor of Business Administration from , Sri Aurobindo College of Commerce and Management, Ludhiana affiliated to Panjab University, Chandigarh. The project report is approved here with.

Ms. Jaspreet Kaur Assistant Professor SACCM, Ludhiana

PREFACE
ONE CAN LEARN MORE ABOUT A ROAD BY TRAVELLING IT, THAN BY
CONSULTING ALL THE MAPS IN THE WORLD. In the present age of business when profit maximization is the prime motive of every man, Price quality & service are the major trust areas to conquer the market. Initiative, foresight, talent & competency are imperative to manage the modern business. The M.COM course inculcates those skills in students, which prepare them to face the challenges of business world. In the midst of the course, summer training in some business organization is arranged for the student that is very essential. Such training gives practical experience and helps the students to view the real business world closely, which in turn widely influences their conception and perceptions. The summer training become more significant when it is done in a reputed & fast growing professionally managed organization like KOTAK MAHINDRA BANK . We were really fortunate to get an opportunity to work with it. I must forewarn that this project is not a work of excellence by scholar. It is a student attempt to watch, analyze & understand the practical aspects by applying theoretical knowledge & concepts. I have made best possible attempt to accomplish the work assigned.

INDEX
Sr.No.
DECLERATION CERTIFICATE AKNOWLEDGEMENT PREFACE CHAPTER I : INTRODUCTION 1.1 1.2 Introduction of ratio analysis Steps in ratio analysis Significance of ratio analysis Trend, industry analysis Standards of comparison Classification of ratios CHAPTER II : COMPANY PROFILE 2.1 Organization profile About company, its formation Progress so far Kotaks businesses Mission of company Vision statement Promises, services, awards, principles CHAPTER III : RESEARCH METHODOLOGY 3.1 Research Objectives & Scope 42- 49 25-41

Contents

Page No.
I II III IV 1-24

3.2 3.3 3.4

Research methodology Intro, steps in research, sampling Data collection, limitations CHAPTER IV : DATA INTERPRETATION 50 69

4.1

Data interpretation Profit & loss a/c, balance sheet Calculation of ratios Presentation in graphs CHAPTER V : FINDINGS 70 72

Findings CHAPTER VI : SUGGESTIONS 73 75

Suggestions Bibliography Annexure 76

ANNEXURE