Governance
Non-Executive Independent Part-time Chairman
Mr. Prakash Apte, B.E. (Mechanical), served as Managing Director of Syngenta India Limited (“SIL”), an agricultural business company in India and a subsidiary of Syngenta Group, one of the largest research based agribusiness in the world, from November 2000 to April 2011.
Mr. Apte has been the Non-Executive Chairperson of SIL from May 2011 till September 2021. He was instrumental in setting up the Syngenta Foundation India which focuses on providing knowledge and support for adopting scientific growing systems to resource poor farmers and enabling their access to market. In a career spanning over 40 years, he has extensive experience in various areas of management, business leadership and agriculture sector. In the more than 16 years of successful leadership experience in agriculture business, he has gained diverse knowledge in various aspects of businesses and has been involved with many initiatives for technology, knowledge and skills upgradation in this sector, which is vital for India’s food security. He was on the Boards of Syngenta Foundation India and Indo-Swiss Centre of Excellence up to 15th July, 2021 and 8th June, 2021, respectively.
Managing Director & CEO
Mr. Dipak Gupta has been an Executive Director of the Bank (earlier known as Kotak Mahindra Finance Limited) since January 1999. Presently, Mr. Gupta is the Managing Director & CEO of the Bank, since September 2, 2023.
Mr. Dipak Gupta had over three decades of experience in the financial services sector, nearly two and half decades of which had been with the Kotak Group.
At the Bank, he has overseen the IT including Cyber Security and Digital Initiatives and Internal Audit. He was also responsible earlier for Human Resources, Marketing, Compliance, Administration, Infrastructure and Operations. He had been responsible in the past for Treasury, Wealth Management and Consumer Finance businesses. Mr. Gupta was also instrumental in forging the joint venture with Ford Credit and was the first Managing Director of Kotak Mahindra Primus Limited (now Kotak Mahindra Prime Limited). Post conversion into a Bank, he was responsible for various initiatives.
Mr. Gupta has also been a member/ chairman of various board and non-board committees over the years.
Mr. Gupta has played a key role in building various businesses for Kotak Mahindra Group. He was instrumental in forging the partnership between Kotak Mahindra Finance Ltd (“KMFL”) and Ford Credit International.
Mr. Gupta was also responsible for setting up the retail business following the conversion of KMFL into a bank and was responsible for leading the Kotak Group’s initiatives into the banking arena.
Prior to joining the group in 1992, Mr. Gupta worked with the consultancy division of A.F. Ferguson.
He is a graduate in Electronics Engineering from IIT, Varanasi and a post-graduate in
Management from the Indian Institute of Management, Ahmedabad (IIMA).
Non-Executive Director
Mr. Uday Kotak is the Founder and Promoter of the Bank. He held the position of the Managing Director of Kotak Mahindra Bank Limited (earlier known as Kotak Mahindra Finance Limited) from August 1, 2002. He ceased to be the the Managing Director & CEO of the Bank on September 1, 2023. Presently, Mr. Kotak is a Non-Executive Director of the Bank. He has played an important role in the growth of Kotak Mahindra group over the past 38 years. Under Mr. Kotak’s leadership, Kotak Mahindra group established a prominent presence in every area of financial services from stock broking, investment banking, car finance, life insurance and mutual funds.
Mr. Kotak leads several key bodies and is currently Co-Chairman of the Indo-UK Financial Partnership (IUKFP) and Chairman of the Advisory Committee on Corporate Insolvency and Liquidation (Insolvency & Bankruptcy Board of India). He is on the International Advisory Panel of Monetary Authority of Singapore, the International Advisory Board of the Government of Singapore Investment Corporation, the Investment Advisory Committee of India’s Army Group Insurance Fund.
From October 1, 2018 to April 2, 2022, Mr. Uday Kotak served as Non-Executive Chairman of the IL&FS Board as constituted by the Government of India to steer the NBFC out of a deep crisis, which he served as his national duty.
Mr. Kotak is the recipient of many accolades including the ‘EY World Entrepreneur of the Year Award’ in 2014, ‘Economic Times Business Leader of the Year Award’ in 2015, ‘Businessman of the Year 2016’ by Business India, ‘Lifetime Achievement Award’ at Financial Express’ Best Banks’ Awards 2016, ‘USIBC Global Leadership Award’ at the 2018 India Ideas Summit organised by the U.S.-India Business Council, ‘Life Time Achievement Award’ at Magna Awards 2019 by Businessworld, ‘Best CEO in Banking Sector’ by the Business Today Best CEO Awards 2019 and ‘India Business Leader of the Year’ by CNBC-TV18 at the India Business Leader Awards 2021.
Mr. Kotak holds a Bachelor’s degree in Commerce from Mumbai University and a Master’s in Management Studies degree from Jamnalal Bajaj Institute of Management Studies, Mumbai.
Non-Executive Director
Mr. C. Jayaram, B. A. (Economics), PGDM-Indian Institute of Management, Kolkata, has varied experience of over 39 years in many areas of finance and business and was earlier the Managing Director of Kotak Securities Limited. Mr. Jayaram headed the Private Banking business, Alternative Investments business, including Private Equity funds and Real Estate funds and international operations for Kotak Group till his retirement, as Joint Managing Director of the Bank, in April 2016. He was with the Kotak Group for 26 years and was instrumental in building a number of new businesses for the Kotak Group. Prior to joining the Kotak Group, he was with Overseas Sanmar Financial Limited.
Independent Director
Mr. Uday Khanna is a Chartered Accountant by qualification. Mr. Khanna was the Financial Controller and Treasurer of Hindustan Unilever Limited (“HUL”) and was thereafter, on the Board of HUL as Director - Exports. He has also worked as Vice Chairperson of Lever Brothers in Nigeria and General Auditor for Unilever - North America, based in the USA and was the Senior Vice President - Finance, Unilever - Asia, based in Singapore. Thereafter, Mr. Khanna joined the Lafarge Group in Paris in June, 2003 as Senior Vice President for Group Strategy, after an extensive experience of almost 30 years with Hindustan Lever/Unilever in a variety of financial, commercial and general management roles, both nationally and internationally. Mr. Khanna was also the Managing Director & CEO of Lafarge India from July, 2005 to July, 2011 and the Non-Executive Chairperson of Lafarge India from July, 2011 to September, 2014. He was the Non-Executive Chairperson of Bata India Limited from June, 2011 to August, 2019.
Mr. Khanna has been the past President of the Bombay Chamber of Commerce and Industry and also the Indo French Chamber of Commerce and Industry. He was the recipient of the L'ordre National du Mérite' from the President of the Republic of France for his contribution in promoting Indo-French trade relations. He was a Joint Managing Trustee of the Indian Cancer Society up to September 2020. Mr. Khanna was the recipient of the ‘Best Independent Director’ award by Asian Centre for Corporate Governance Sustainability in 2018.
Independent Director
Mr. Uday Shankar is a M. Phil in Economic History from the Jawaharlal Nehru University, Delhi. Mr. Shankar is a highly successful and globally recognised Indian executive who created one of the biggest media and entertainment businesses in the Asia-Pacific region. In his new avatar, Mr. Shankar is a technology entrepreneur and the founder of Asia Initiatives, wherein he partners with Mr. James Murdoch to set up technology-led enterprises in education, media and healthcare in Asia. He is also the Past President of the Federation of Indian Chambers of Commerce and Industry ("FICCI"), India’s premier industry association and was formerly the President of the Indian Broadcasting Foundation. During his tenure as President of FICCI, he was also a member of the Start-up Advisory Council of India set up by the Government of India to promote and bolster the start-up ecosystem. In a long and illustrious career, Mr. Shankar has served in several leadership roles including as a Chairperson and Chief Executive Officer of Star India, President of 21st Century Fox Asia and more recently President of the Walt Disney Company Asia Pacific and Chairperson of Disney and Star India. Under his leadership, Star transformed into the region’s leading company placed distinctively at the intersection of media, entertainment and technology. He is credited with leading the streaming and OTT revolution in India and in the APAC region. Hotstar is now one of the leading global OTT platforms. Star Sports transformed into Asia’s leading sports network during his tenure. He also led the Star India's strong foray into regional and local language content, building a comprehensive consumer offering across entertainment and sports. Mr. Shankar started his career in news and is widely regarded as the pioneer of television news revolution in India with the launch of Aaj Tak, Star News and what’s now known as India Today TV. For his contribution to media and society, Mr. Shankar has been awarded numerous business and industry honours. He was conferred the honorary doctorate degree by Bennett University (The Times of India Group). He was recognised by Forbes India as the 'Best CEO' (MNC), named 'Entrepreneur of the Year' (Entrepreneurial CEO) by EY and has featured in Indian Express '100 Most Powerful Indians' and in India Today’s '50 Most Powerful People in India'.
Whole-Time Director
Mr. KVS Manian, an electrical engineer from Indian Institutes of Technology ( BHU) - Varanasi, Post Graduate in Financial Management from Jamnalal Bajaj Institute of Management Studies Mumbai and a Cost and Works Accountant, has been instrumental in setting up and metamorphosing many business divisions into success stories in his more than two and a half decade association with the Bank. He has played a pivotal role in Kotak's journey from an NBFC to a Bank. Currently, Mr. Manian spearheads Corporate, Institutional and Investment Banking, Private Banking and Asset Reconstruction business and is responsible for building a high-quality integrated and profitable franchise across these businesses. Under his leadership, the Corporate Bank has grown significantly both in terms of size and profits while maintaining best in class asset quality. The Investment Banking, Institutional Equities, Private Banking and Asset Reconstruction businesses also continue to maintain and improve their leadership positions in the industry. He has also been instrumental in upgradation of technology in these businesses and in building strong transaction banking capabilities.
Prior to his current role, Mr. Manian scripted the Retail-Banking narrative of Kotak. He was the President of Consumer banking - steering the Bank from a single branch to over 600 branches and more than 1,000 ATMs across the Country in a span of 10 years. He set up the Retail Liability business from scratch and later managed the entire Consumer Banking business, including Consumer Asset products such as Home Loans, Cards, Personal Loans, Business Loans, Loans Against Property, MSME and others, some of which were launched and grown to scale in his tenure. He synergized and evolved a coordinated business strategy across asset and liability products of the Consumer bank. In this process, he set up one of the best Consumer Banking franchises in the Indian banking industry.
Independent Director
Dr. Ashok Gulati is a M.A. and Ph.D. from the Delhi School of Economics. Currently, he is a Distinguished Professor at the Indian Council for Research on International Economic Relations (ICRIER). Prior to this, he was the Chairperson of the Commission for Agricultural Costs and Prices (CACP), Government of India (2011-2014). He has been an Independent Director on the Central Board of Directors of RBI, National Bank for Agriculture and Rural Development (NABARD) and National Commodity and Derivatives Exchange Limited (NCDEX). He is currently a member of the Tenth Audit Advisory Board of the Comptroller and Auditor General of India.
Dr. Gulati was a Director at the International Food Policy Research Institute (IFPRI) for more than 10 years (2001-2011). He was also a member of the Economic Advisory Council of Prime Minister, Late Shri Atal Bihari Vajpayee. Dr. Gulati has been deeply involved in policy analysis and advice for India. He was also a member of the Committee appointed by the Hon’ble Supreme Court on the Farm Laws. For his contributions to the field, the President of India honoured him with 'the Padma Shri' award in 2015. Dr. Gulati has 18 books to his credit on Indian and Asian Agriculture, besides numerous research papers in national and international Journals. He has been a prolific writer in leading newspapers in India, with his current column "From Plate to Plough" in the Indian Express and Financial Express.
Independent Director
Ms. Ashu Suyash is a Chartered Accountant from the Institute of Chartered Accountants of India and completed her Bachelor’s Degree in Commerce from the University of Mumbai. She has over 33 years of experience in the financial services and global information services sector, including as CEO where she led several Indian and Global businesses for over 17 years. She was, until recently, the Managing Director & CEO at CRISIL Limited (“CRISIL”) and a member of the Operating Committee of S & P Global. She serves on the Advisory Boards and Committees of several institutions such as the Insolvency and Bankruptcy Board of India (IBBI) and National Institute of Securities and Markets (NISM).
Ms. Suyash played a pivotal role in enabling CRISIL regain its ratings leadership position and transform it to become a global analytics company and solutions provider through wide-scale adoption of technology. She led CRISIL’s growth through product innovation and acquisitions in a very challenging environment. Prior to her role as Managing Director & CEO of CRISIL,
Ms. Suyash was the CEO of L&T Mutual Fund and the Managing Director and Country Head of Fidelity Mutual Fund. She also had a long and successful career with Citibank.
Ms. Suyash has recently founded Colossa Ventures LLP, an innovative platform aimed at providing capital, capability and confidence building for women entrepreneurs and women-focussed businesses.
Non-Executive Director
Mr. Amit Desai, B. Com., LL.B., is a lawyer, with several years of experience.
Independent Director
Mr. C S Rajan, an IAS officer of 1978 batch, is a retired Chief Secretary of the Government of Rajasthan. After serving in leadership roles for 12 years in key Infrastructure sectors such as Energy, Highways, Water Resources and Industry including SSI/MSME, Mr. Rajan worked for 14 years in Agriculture and Rural Development and in Human Resources, Finance and General Administration. Mr. Rajan has served on a number of inter-disciplinary teams for review of World Bank projects in various States and also as a Consultant to the World Bank on a Study on Farmer Participation in Agricultural Research and Extension System. The report was published in the form of a book co-authored by him. After his retirement from active service, he served as Advisor to the Chief Minister of Rajasthan for a period of two and half years.
Mr. Rajan was appointed by the Government of India ("GoI") on the Board of Infrastructure Leasing and Financial Services Limited (“IL & FS”) as a Director in October 2018 and subsequently, as its Managing Director for a period from April, 2019 to October, 2022. Currently, he is the Chairperson of IL & FS.
Whole-Time Director
Ms. Shanti Ekambaram is a Commerce Graduate, a Chartered Accountant and a Cost and Works Accountant. She has been associated with the Kotak Group for over 30 years and has been responsible for successfully setting up and running several business units. Prior to her current role, she led the Consumer banking business at the Bank from April 2014 to May 2022. Under her leadership, Kotak’s savings accounts base grew at an exemplary pace, probably the fastest in the Indian banking industry. Simultaneously, the focus of the business was on judiciously growing the retail loan book, both secured and unsecured. In addition, the Consumer Banking business drove its digital agenda across customer acquisition, customer adoption of banking, payments and e-commerce transactions, enhancing customer experience and deepening engagement.
Prior to this, Ms. Ekambaram was President - Corporate and Investment Banking for 11 years until April 2014, where she was responsible for ensuring delivery of comprehensive advisory and financial solutions to leading Indian Corporates, Public Sector Undertakings, Financial Institutions, Multinationals and the Government. She was also Executive Director and CEO of Kotak Investment Banking earlier and, along with her team, steered the firm to a position of market leadership. She established a franchise recognised for executing innovative deals, including pioneering the first book-built IPO in India, which ushered global standards in the Indian capital markets. Ms. Ekambaram has rich and varied experience across Retail and Wholesale Banking.
Before joining the Kotak Group, Ms. Ekambaram had a short stint with Bank of Nova Scotia - the Canadian International Bank, with their corporate banking and Treasury division.
Ms. Ekambaram is on the board of Indian Institute of Management, Bangalore (IIM-B). She was a member of the FICCI National Committee on Banking for 2021-22.
Business Today, one of India’s leading business magazines, has recognised Ms. Ekambaram as one of the ‘Most Powerful Women in Indian Business’ from 2013-2017, in 2019 and 2020. Fortune India has featured Ms. Ekambaram as one of the '50 Most Powerful Women in Business in India' from 2016-2020. Ms. Ekambaram received the 'CA Business Leader award' from the Institute of Chartered Accountants of India in the Large Corporate – BFSI category in 2020 and was also named CA Woman Business Leader in 2013. Further, the Ladies’ Wing of the IMC Chamber of Commerce and Industry recognised Ms. Ekambaram as 'Woman of the Year 2013-14 in Banking and Financial Services'. She was listed by ET x Femina among the 'Promising Women Leaders of India 2022'.
The Board has constituted several committees to deal with specific matters as well as delegated powers to them for carrying out various activities for effective functioning of the company. The Audit Committee and Stakeholders Relationship Committee have been constituted in accordance with the guidelines issued by the Reserve Bank of India, Securities and Exchange Board of India read with requirements of the Companies Act, 2013. In addition to these, the Board has also set up additional committees such as Nomination & Remuneration Committee, Share Transfer and Other Matters Committee (STOM), Special Committee of the Board for monitoring and follow-up of Frauds (erstwhile Committee on Frauds), Customer Service Committee, Corporate Social Responsibility Committee, Risk Management Committee, Group Risk Management Committee ESOP Allotment Committee, Review Committee for classification and declaration of borrowers as wilful defaulters, Management Committee and Committee on Derivative Products.
Documents/Reports Review and Financial Reporting Process
Independent Statutory Auditors
Internal Audit Department
Whistleblowing/ Vigil mechanism
Inspections conducted by regulators
Risk Management
Process Improvement
Chairman:
Mr. Uday Chander Khanna
Members:
Dr. Ashok Gulati
Mr. C. Jayaram
Ms. Ashu Suyash
The Stakeholders Relationship Committee of the Bank reviews the complaints received from the shareholders and ensures redressal thereof.
Chairperson:
Ms. Ashu Suyash
Members:
Mr. Dipak Gupta
Mr. C. Jayaram
Chairperson:
Mr. Uday Shankar
Members:
Mr. Prakash Apte
Mr C. Jayaram
Chairman:
Mr. C S Rajan
Members:
Mr. Uday Kotak
Mr. Dipak Gupta
Ms. Shanti Ekambaram
Mr. KVS Manian
Pursuant to the directives of the Reserve Bank of India, the Bank has constituted a Committee on Frauds for monitoring and reviewing all the frauds involving amounts of Rs. 1 crore and above.
Chairman
Mr. Dipak Gupta
Members:
Mr. Prakash Apte
Mr. Uday Chander Khanna
Mr. C. Jayaram
Mr. KVS Manian
The Bank has, pursuant to the directives issued by the Reserve Bank of India, constituted a Customer Services Committee. The Committee has been constituted to bring about ongoing improvements in the quality of customer services provided by the Bank. The Committee would also oversee the functioning of the Customer Service Standing Committee, compliance with the recommendations of the Committee on Procedures and Performance Audit and Public Services (CPPAPS) and also mount innovative measures for enhancing the quality of customer service and improving the level of customer satisfaction for all categories of cliental, at all times.
Chairman:
Mr. Uday Shankar
Members:
Mr. Uday Kotak
Mr. Dipak Gupta
Mr. K.V.S. Manian
Chairman
Mr. Prakash Apte
Members:
Mr. Dipak Gupta
Mr. C. Jayaram
Mr. C S Rajan
The terms of reference of the Committee includes to identify, monitor and measure the risk profile of the Bank; develop policies and procedures; verify models that are used for preparing complex products; review models as development takes place in the markets and also identify new risks; monitor compliance of various risk parameters by operating departments; design stress scenarios to measure the impact of unusual market conditions and monitor variance between actual volatility of portfolio value and that predicted by risk measures; and ensure that the Bank’s credit exposure to any one group or industry does not exceed the internally set limits and that the risk is prudently diversified; and to specifically include cyber security.
Chairman:
Dr. Ashok Gulati
Members:
Mr. Uday Kotak
Mr. Prakash Apte
Ms. Ashu Suyash
Mr. C S Rajan
To allot shares arising out of the options exercised in accordance with the terms and conditions of the various ESOP Schemes of the Bank
Chairman:
Mr. C. Jayaram
Members:
Mr. Dipak Gupta
Ms. Shanti Ekambaram
Chairman:
Mr. Dipak Gupta
Members:
Mr. Prakash Apte
Mr. C. Jayaram
Mr. Uday Chander Khanna
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To review the order passed by the Identification Committee (1st Level Committee) after considering the written representation, if any forwarded by the Borrower(s) and pass necessary orders upholding / rejecting the order passed by the Identification Committee (1st Level Committee).
Chairman:
Mr. Dipak Gupta
Members:
Mr. Prakash Apte
Mr. C. Jayaram
Mr. Uday Chander Khanna
To bring operational flexibility in processing of credit proposals and also to discharge other responsibilities prescribed in different RBI directives including periodical calendar of reviews.
Chairman:
Mr. Dipak Gupta
Members:
Mr. K.V.S. Manian
Ms. Shanti Ekambaram
1) Issues relating to the Group from risk perspective.
2) Group risk appetite.
3) Analyse the material risks to which the Group, its businesses and subsidiaries would be exposed. It would discuss all risk strategies, both at an aggregated level and by type of risk and make recommendations to the Board in accordance with the Group’s overall risk appetite.
4) Identify potential intra-group conflicts of interest.
5) Assess whether there were effective systems in place to facilitate exchange of information for effective risk oversight of the Group.
6) Carry out periodic independent formal review of the Group structure and internal controls.
7) Articulate the leverage of the Group and monitor the same.
Chairman:
Mr. Prakash Apte
Members:
Mr. Uday Kotak
Mr. Dipak Gupta
Mr. Uday Chander Khanna
Ms. Shanti Ekambaram
To examine the new product proposals, various parameters and their comprehensive evaluation, before being offered to its customers.
Chairman:
Mr. Dipak Gupta
Members:
Mr. K.V.S. Manian
Ms. Shanti Ekambaram
Chairman:
Ms. Ashu Suyash
Members:
Mr. Uday Kotak
Mr. Dipak Gupta
To review such matters as may be delegated to the Committee or as it may deem fit for oversight and governance function
Chairman:
Mr. Uday Khanna
Members:
Mr. Uday Kotak
Ms. Ashu Suyash
Kotak Mahindra Prime Ltd is among India's largest dedicated passenger vehicle finance companies. Kotak Mahindra Prime offers loans for the entire range of passenger cars, multi-utility vehicles and pre-owned cars. Also on offer are inventory funding and infrastructure funding to car dealers with strategic arrangements via various car manufacturers in India as their preferred financier.
For more information, please visit the Kotak Prime website - https://www.carloan.kotak.com
Uday Kotak (Chairman)
Vyomesh Kapasi (Managing Director)
Chandrashekhar Sathe, Independent Director
Akila Urankar, Independent Director
Ravi Venkatraman, Independent Director
Shahrukh Todiwala, Whole-Time Director
Amit Mohan, Non-Executive Director
C S Rajan, Independent Director
Kotak Securities is one of the largest broking houses in India with a wide geographical reach. Kotak Securities operations include stock broking and distribution of various financial products including private and secondary placement of debt, equity and mutual funds.
Kotak Securities operates in the belowmentioned main areas of business:
For more information, please visit the Kotak Securities website - http://www.kotaksecurities.com
Board of Directors
Narayan S.A. (Chairman)
Falguni Nayar
Noshir Dastur
K.V.S. Manian
Jaideep Hansraj (Managing Director)
Pratik Gupta (Whole-time Director)
Kotak Investment Banking (KMCC) is a full-service investment bank in India offering a wide suite of capital market and advisory solutions to leading domestic and multinational corporations, banks, financial institutions and government companies.
Board of Directors
Uday Kotak (Chairman)
Dipak Gupta
S Ramesh (Managing Director & CEO)
Sourav Mallik (Managing Director & Deputy CEO)
Jaimin Bhatt
KVS Manian
Jayasankar Venkataraman (Managing Director)
Anu Aggarwal
Kotak Mahindra Life Insurance Company Limited (Formerly known as Kotak Mahindra Old Mutual Life Insurance Ltd.) has become a 100% subsidiary of Kotak Mahindra Bank Limited with effect from 13th October 2017.
A Company that combines its international strengths and local advantages to offer its customers a wide range of innovative life insurance products, helping them take important financial decisions at every stage in life and stay financially independent. The company has covered over 19 million lives and is one of the fastest growing insurance companies in India.
For more information, please visit the Kotak Life Insurance website - https://insurance.kotak.com
Board of Directors
Uday Kotak (Chairman)
Prakash Apte
Farida Khambata
Shivaji Dam
Dipak Gupta
Gaurang Shah
G. Murlidhar
Mahesh Balasubramanian
Sanjeev Kumar Pujari
Kotak Mahindra General Insurance Company Ltd. is a 100% subsidiary of Kotak Mahindra Bank Ltd., one of the fastest growing banks in India. Kotak Mahindra General Insurance Company Ltd. was established to service the growing non-life insurance needs of an emerging India, emphasizing on customer service, quality & innovation. The company aims to cater to a wide range of customer segment & geographies offering an array of non-life insurance products like Motor, Health, etc.
As a practice, the company seeks to provide a differentiated value proposition through customized products & services leveraging state of art technology & digital infrastructure.
For more information, please visit the Kotak Mahindra General Insurance website - http://www.kotakgeneralinsurance.com/
Board of Directors
Gaurang Shah (Chairman)
Suresh Agarwal (Managing Director & CEO)
G. Murlidhar
Virat Diwanji
Dhananjay Date
Arun Agarwal
Sharda Agarwal
Mr. Ravi Venkatraman
Kotak Mahindra Investments Limited (KMIL) is a 100% subsidiary of Kotak Mahindra Bank Ltd. The Company is into primary businesses of Financing against securities, Lending to Real Estate Sector, Corporate & other structured Finance and Strategic Investments.
The company is rated AAA by CRISIL indicating high-credit-quality rating with stable outlook. KMIL, with a consolidated book of about 7,000 Crores, has marquee names as clients in its Loans against Shares , Corporate and Structures products business and Corporate Real Estate sector.
Being a part of the Kotak Group, KMIL endeavor's to provide strategic solutions to its clients in the areas that it operates in. It enables its customers to pursue ambitious growth strategies and execute value-creating transactions. Its strategy has been of relationship management & penetration, continuous product innovation coupled with tight control on credit quality and effective risk monitoring & management. The Company is well positioned to harness all opportunities that current economic environment offers.
For more information, please visit the Kotak Mahindra Investment website - https://www.kmil.co.in/
Board of Directors
Uday Kotak (Chairman)
Paritosh Kashyap
Chandrashekhar Sathe
Padmini Khare Kaicker
Amit Bagri
Phani Shankar
Prakash Krishnaji Apte
Paresh Parasnis
Kotak Mahindra Asset Management Company Limited is the asset manager of Kotak Mahindra Mutual Fund. Kotak Mahindra Asset Management Company Limited offers a complete bouquet of asset management products and services that are designed to suit the diverse risk return profiles of each and every type of investor.
KMAMC and Kotak Mahindra Bank are the sponsors of Kotak Mahindra Pension Fund Ltd, which has been appointed as one of six fund managers to manage pension funds under the New Pension Scheme (NPS).
Board of Directors
Uday Kotak (Chairman)
Nilesh Shah (Managing Director)
C. Jayaram
Gaurang Shah
Sanjiv Malhotra
Krishnakumar Natarajan
Laxminarayan Rangarajan
Anjali Raina
Kotak Mahindra Trustee Company Limited acts as the trustee to Kotak Mahindra Mutual Fund.
Board of Directors
Amit Desai (Chairman)
Chandrashekhar Sathe
Mr. Uday Phadke
Mr. Sharadkumar Bhatia
Jayesh Merchant
Kotak Mahindra Pension Fund Limited (KMPFL), a subsidiary of Kotak Mahindra Bank Ltd (KMBL) was appointed as a Pension Fund Manager (PFM) by the Pension Fund Regulatory and Development Authority (PFRDA).
Board of Directors
Nilesh Shah
Tushar Mavani
Noshir Dastur
G Murlidhar
Sharadkumar Bhatia
Lakshmi Iyer
This subsidiary of Kotak Mahindra Bank Ltd is registered with the Financial Services Commission-Mauritius. KMIL has a registered office in Mauritius and a representative office in Abu Dhabi .
Board of Directors
Shyam Kumar Syamasundaran
Christopher Daniel
Mamode Izam Nathadkhan
Neeraj Malhotra
Mr. Amul Sharma
Thirumagen Vaitilingon;
Ms. Priscilla Balgobin-Bhoyrul
Mr. Gaurang Shah
KMUK, a 100% subsidiary of Kotak (the parent company). Is one of the first firms of Indian origin to be authorized and regulated by the Financial Conduct Authority in the United Kingdom.
KMUK has the registered office in London, with branch offices in Dubai and Singapore. It is the first Indian company to be authorized to operate from its branch in the Dubai International Financial Centre and is regulated by the Dubai Financial Services Authority. It is also regulated by the Monetary Authority of Singapore.
Board of Directors
Dipak Gupta
Sanjeev Kumar Prasad
Gaurang Shah
Ruchit Puri
Shyam Kumar Syamasundaran
Christopher Daniel
Gijo Joseph
This subsidiary of Kotak Mahindra Bank Ltd is regulated by the Securities and Exchange Commission (SEC) and Financial Industry Regulatory Authority (FINRA) in the United States. It offers investors in US, an opportunity to invest in India through a range of India specific funds and through facilitating institutional trades through Kotak Securities Limited. KM Inc has its registered office in Delaware and principal business office in New York.
Board of Directors
Gijo Joseph
Shyam Kumar
Gaurang Shah
KMAMS, a 100% subsidiary of Kotak (the parent company), is incorporated in Singapore and serves as the international asset management arm of the Kotak group. KMAMS is authorised and regulated in Singapore by the Monetary Authority of Singapore and holds a Capital Markets License to engage in fund management activities.
Board of Directors
Gaurang Shah
Nitin Jain
Ruchit Puri
Shyam Kumar Syamasundaran
Nilesh Shah
Kotak Alternate Asset Managers Limited (“KAAML”) focuses on the Alternate Assets business. KAAML was set up to bring a sharper focus to Kotak’s alternate assets practice and has raised/managed/advised across different asset classes including Private Equity Funds, Real Estate Funds, Infrastructure Funds, Special Situations Fund, Listed Strategies and Investment Advisory teams, all led by independent investment teams. KAAML is also a registered Investment Advisor and has a digital platform viz. Cherry for various investment solutions.
Board of Directors
Dipak Gupta
Subramanian Sriniwasan
Gaurang Shah
Jaimin Bhatt
Oisharya Das
Rajeev Saptarshi
Lakshmi Iyer
Kotak Mahindra Trusteeship Services Limited acts as a trustee to domestic venture capital funds and private equity funds. It also acts as a trustee to estate planning trusts, in which it assists in setting up private trusts for high net worth individuals to achieve their succession and financial planning.
Board of Directors
Chandrashekhar Sathe
Chetan Desai
Shivaji Dam
Tushar Mavani
KIDFL, formerly into forex broking business, was converted into the infrastructure debt financing business after approval from RBI. The regulatory approval for registration as a non-banking financial company from RBI has been received in April 2017.
Board of Directors
Dipak Gupta
Sujata Guhathakurta
Raghunandan Maluste
Paritosh Kashyap
Phani Shankar
IVY Product Intermediaries Ltd is engaged in marketing and distribution of various financial products/services of the Bank
Board of Directors
Chetan Desai
Ambuj Chandna
Srikanth Subramanian
Shobhit Mathur
BSS Microfinance Limited is a Business Correspondent of Kotak Mahindra Bank for providing micro credit products to women belonging to economically disadvantaged sections mainly for income generation activities helping them expand their micro-enterprises, increasing their household income and improving the overall quality of lives of their families.
Board of Directors
D. Kannan (Chairman)
B. S. Sivakumar
Tapobrat Chaudhuri
Shwetha Kalappa
KMFSL, registered in Abu Dhabi Global Markets (“ADGM), United Arab Emirates is regulated by the Financial Services Regulatory Authority (FSRA), the financial services regulator for the ADGM. The Financial Services Permission (“FSP”) issued by FSRA to the firm is 200051. KMFSL offers financial services in and out of the ADGM and is authorized by FSRA to conduct the following regulated activities:
a) Arranging deals in investment ;
b) Advising on Investments or Credit;
c) Insurance intermediation
d) Arranging Custody; and
e) Arranging Credit
Board of Directors
Ms. Shanti Ekambaram
Mr. Rajeev Mohan
Mr. Jaideep Hansraj
Mr. Shyam Kumar
Mr. Amul Sharma
Mr. Gijo Joseph
Ms. Priscilla Balgobin-Bhoyrul
Kotak Karma Foundation is a company registered under Section 8 of the Companies Act, 2013, as a wholly-owned subsidiary of the Bank for setting up a Centre of Excellence (CoE) of the Bank for furtherance of part of its Corporate Social Responsibility (CSR) initiatives.
Board of Directors
Shanti Ekambaram
Paul Verghese Parambi
Chetan Nanjibhai Savla
| Dividend Distribution Policy (Effective Date March 17, 2017 and Last Amended on May 3, 2021) |
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| Board Meeting Procedure |
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| Environment, Social and Governance (ESG) Policy Framework (Effective Date and Last Amended on May 4, 2022) |
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| Deed of Covenants |
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| Code of Conduct (Directors) (Effective Date May 15, 2006 and Last Amended on March 18/19, 2022) |
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| Code of Conduct (Employees) (Effective Date May 15, 2006 and Last Amended on May 5, 2021) |
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| Letter of Appointment - Independent Director |
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| Material Subsidiary Policy (Effective Date September 7, 2014 and Last Amended on May 3, 2021) |
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| Whistle Blower Policy (Effective Date May 25, 2004 and Last Amended on May 04, 2022) |
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| Policy on Dealing with Related Party Transactions (Effective Date September 7, 2014 and Last Amended on July 23, 2022) |
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| Code of Fair Disclosure of UPSI |
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| Policy for Determination of Materiality of Events or Information (Effective Date November 30, 2015 and Last Amended on July 22, 2023) |
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| Web Archival Policy (Effective Date November 30, 2015 and Last Amended on May 3, 2021) |
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| Memorandum and Articles of Association |
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| Compensation Policy (Effective Date April 1, 2012 and Last Amended on August 10, 2021) |
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| Statutory Auditor Appointment Policy (Effective Date June 24, 2021 and Last Amended on June 24, 2023) |
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| Compensation Policy for Non-Executive Directors (Effective Date May 8, 2012 and Last Amended on October 22, 2022) |
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| Board Diversity Policy (Effective Date May 4, 2022 and Last Amended on May 4, 2022) |
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Overview of the Training Programme attended by the Independent Directors of the Bank:Prof. S. Mahendra Dev attended the four-day residential workshop (17- 20 September 2016) on Board Governance and Effectiveness at the Indian School of Business (ISB) Hyderabad.
Overview of the Familiarization Programme conducted for the Independent Director of the Bank: Two sessions were conducted by the Bank on 19th September 2016 (from 10.00 am to 4.00 pm) and 20th September 2016 (10.00 am to 2.30 pm) to familiarise the new Independent Director with the nature of the industry in which the Bank operates, business model, risk management system and technology of the Bank.
Overview of the Familiarization Programme conducted for the Independent Director of the Bank: One session was conducted by the Bank on 4th April 2019 (from 9.00 am to 5.00 pm) to familiarise the new Independent Director with the nature of the industry in which the Bank operates, business model, risk management system and technology of the Bank.
Overview of the Certification Program in IT & Cyber Security for the Board Members conducted by the Institute for Development & Research in Banking Technology on 19th and 20th August 2019.
Program for Non-Executive Directors on the Boards of Banks conducted by The Centre for Advanced Financial Research and Learning (CAFRAL) from October 14-15, 2019 from 9.00 am to 5.15 p.m. at Taj Vivanta, Panaji, Goa attended by Prof. S. Mahendra Dev and Mr. Uday Khanna.
Programme on Artificial Intelligence and Machine Learning – a session handled by a team from Amazon held on 6th August 2020 from 11.00 am to 1.00 pm was attended by Mr Prakash Apte, Prof. Mahendra Dev, Mr. Uday Shankar, Mr. Uday Kotak, Mr. Dipak Gupta, Mr. K.V.S. Manian and Mr. Gaurang Shah.
Program for Non-Executive Directors on the Boards of Banks and Financial Institutions organised by the Centre for Advanced Financial Research and Learning held on 31st August 2020 from 11:00 am to 4:30 pm was attended by Mr. Uday Khanna.
Cyber Security Awareness session was conducted for the Board of Directors on January 27, 2021 by KPMG Assurance and Consulting Services LLP, from 10.00 am to 12.30 pm. The topics covered were i) Security incidents in the industry and learnings, ii) Cyber security trends (Risks and mitigation controls) and iii) Table Top Exercise simulating a cyber attack.
Chasing Growth 2021: Speaker Sessions on February 22-23, 2021, was organized by Kotak Securities Limited – Institutional Equities and the session was attended by Prof. S. Mahendra Dev, Mr. Uday Khanna, Mr. C. Jayaram, Mr. Prakash Apte, Mr. Uday Shankar.
Overview of the Familiarization Programme conducted for the Independent Director of the Bank: Two sessions were conducted by the Bank on May 24, 2021 (from 10.30 am to 4.00 pm) and on May 25, 2021 (from 9.30 am to 6.00 pm) to familiarise the new Independent Director with the nature of the industry in which the Bank operates, the topics covered were Structure & Finance, Treasury, Consumer Bank, Human Resources, Information Technology, Wholesale Bank, Wealth Management, Compliance and Commercial Bank.
Overview of the Familiarization Programme conducted for the Independent Director of the Bank: A session was conducted by the subsidiaries, the businesses covered were Asset Management, Insurance & Pension, Asset Reconstruction on June 25, 2021 (from 4.00 pm to 6.00 pm) to familiarise the new Independent Director.
Overview of the Familiarization Programme conducted for the Independent Director of the Bank: Two sessions were conducted by the Bank on February 28, 2022 (from 9.00 am to 6.00 pm) and on March 3, 2022 (from 9.00 am to 5.00 pm) to familiarise the new Independent Director with the nature of the industry in which the Bank operates, the topics covered were Consumer Bank, Commercial Bank, Corporate, Institutional & Investment Banking (CIIB) and Wealth, Digital and IT Priorities, Compliance, Risk Management, Human Resources, Treasury Secretarial, Kotak Securities and Asset Management, Insurance & Pension, Asset Reconstruction and Overview.
Cyber Security Awareness Session was conducted for the Board of Directors on March 22, 2022 by KPMG Advisory Services Private Limited, from 10.30 am to 11.30 am which was attended by Mr. Prakash Apte, Mr. Uday Shankar, Mrs. Farida Khambata, Mr. Uday Khanna, Dr. Ashok Gulati, Mr. Uday Kotak, Mr. Dipak Gupta, Mr. K.V.S. Manian and Mr. Gaurang Shah. The topics covered were i) Around the World and ii) Board’s Role in Effective Cyber Strategy and Case Simulation.
Overview of the Familiarization Programme conducted for the Independent Director (Mr. Amit Desai) of the Bank: Sessions were conducted by the Bank on May 27, 2022 (from 2.30 pm to 4.30 pm), May 28, 2022 (from 2.30 pm to 3.30 pm), May 29, 2022 (from 3.00 pm to 4.00 pm) and June 2, 2022 from 11.00 am to 12 noon to familiarise the new Independent Director with the nature of the industry in which the Bank operates, the topics covered were Kotak Group Structure, Financials, Companies Act and LODR (important provisions), Risk, Compliance and Internal Audit.
Overview of the Familiarization Programme conducted for the Independent Director (Mr. C S Rajan) of the Bank: Sessions were conducted by the Bank on November 3, 2022 (from 8.30 am to 5.45 pm), and November 4, 2022 from 8.30 am to 3.30 pm to familiarise the new Independent Director with the nature of the industry in which the Bank operates, the topics covered were Kotak Group Structure, Financials, Companies Act and LODR (important provisions), Wholesale Bank, Human Resources, Commercial Bank, Kotak Securities, Wealth Management, Information Technology / Digital, Investment Banking, Treasury, Asset Management, Insurance, Risk, Compliance and Internal Audit. On December 9, 2022, session was conducted on Consumer Bank and Customer Experience from 3.00 pm to 5.00 pm.
Cyber Security Awareness Session was conducted for the Board of Directors on March 16, 2023 from 5.00 pm to 6.00 pm by Ernst & Young (E&Y) LLP, India, which was attended by Mr. Prakash Apte, Mr. Uday Khanna, Dr. Ashok Gulati, Ms. Ashu Suyash, Mr. C S Rajan, Mr. C. Jayaram, Mr. Uday Kotak, Mr. Dipak Gupta, Mr. K.V.S. Manian and Ms. Shanti Ekambaram. The topics covered were i) Recent cyber security incidents pertaining to Indian Banking and Financial Systems ii) Modus operandi of the cyber attacks iii) Security gaps in terms of people/processes/technology iv) Measures that can be taken to mitigate the recurrence of similar incidents v) Directors’ role in building a cyber-secure environment in the organization.
Presentations on critical parameters, such as, business strategy, financial outlook, financial reports and their integrity, risk, compliance, customer protection, ESG, CSR, financial inclusion, Human Resources, Consumer Banking Business, Whole-sale Banking Business were also made to the Directors periodically.
Attendance of Non-Executive Directors (tabular form)
Name of the Non-Executive Director |
No. of programmes attended |
No. of hours spent in the programmes attended |
||||
|---|---|---|---|---|---|---|
FY 2021-22 |
FY 2022-23 |
Cumulative (since FY 2015-16) |
FY 2021-22 |
FY 2022-23 |
Cumulative (since FY 2015-16) |
|
Farida Khambata@ |
12 |
N.A. |
14 |
24 |
N.A. |
41 |
Prakash Apte |
12 |
6 |
22 |
16 |
7 |
44 |
Uday Khanna |
12 |
6 |
25 |
16 |
7 |
73 |
Uday Shankar |
12 |
5 |
22 |
16 |
6 |
51 |
Dr. Ashok Gulati |
15 |
6 |
21 |
31 |
7 |
38 |
Ashu Suyash |
9 |
6 |
15 |
23 |
7 |
30 |
C S Rajan^ |
N.A. |
9 |
9 |
N.A. |
16 |
16 |
C Jayaram |
11 |
6 |
20 |
15 |
7 |
41 |
Amit Desai |
6 |
9 |
15 |
7 |
11 |
18 |
@ ceased to be a Director and an Independent Director with effect from September 7, 2022
^ appointed as an Independent Director with effect from October 22, 2022
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