Product presentation

Kotak Mutual FundProductsMarch 2007

Think Investments. Think Kotak.

Key Product Features Highlighted

Contents

– Performance

– Positioning

– Portfolio Strategy

Scheme Matrix (click on the hyperlinks for details)

Kotak Income Plus

Kotak MNC

Kotak 30 Kotak Opportunities

Kotak Equity FOF

Kotak Gilt SavingsKotak Gilt Investment

Kotak Tech

Kotak Floater ST Kotak Floater LT

Kotak Liquid

Kotak Bond ST

Kotak Bond

Risk Return Stack Up Kotak Mutual At A Glance

Kotak Balance

Kotak Global

Equity Funds

Debt Funds

Kotak Bond Regular

Kotak Mid-Cap

Kotak Flexi Debt

Kotak Contra

Kotak Cash Plus

Kotak Tax Saver

Kotak Lifestyle

Kotak 30An Open-ended Equity Growth Scheme

Fund Positioning

– A large cap diversified scheme

Portfolio Strategy

– Bottom up stock selection

– We back our best ideas

– Scheme straddles the biggest segment of the market

Large cap segment represents the largest market capitalization– Some flavour of midcap stocks: Exposure to

midcap stocks maintained below 20% of NAV

– Fairly balanced sector exposure

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Kotak 30An Open-ended Equity Growth Scheme

Returns = 1 yr: Absolute; Returns > 1 yr: CAGR. Past performance may or may not be sustained in the future. Returns assume reinvestment of the tax free dividends. Allotment Date: 29-12-98.

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Performance as on March 30, 2007

9.4

37.640.8

30.1

11.8

27.429.7

19.6

0

5

10

15

20

25

30

35

40

45

1 year 3 years 5 years Sinceallotment

(Dec 29, 1998)

Kotak 30 * S&P CNX Nifty

Kotak OpportunitiesAn Open-ended Equity Growth Scheme

Fund Positioning

– A Diversified Aggressive Equity Scheme

– Flexible Investment Style: Flexibility for large exposure in promising sectors Mix of Large cap and Mid cap stocks Strategic use of debt/ money market securities of upto 35%

Portfolio Strategy

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Kotak OpportunitiesAn Open-ended Equity Growth Scheme

Returns < 1 yr: Absolute. Past performance may or may not be sustained in the future. Allotment Date: 09-09-04. Returns assume reinvestment of the tax free dividends. MENU


9.8

49.5

8.4

37.4

0.0

10.0

20.0

30.0

40.0

50.0

60.0

Last 1 year Since Allotment (September 09, 2004)

Kotak Opportunities S&P CNX 500

Kotak Mid-CapAn Open Ended Equity Growth Scheme

Fund Positioning

– Focus on mid-cap stocks that are likely to be tomorrow's large cap

Portfolio Strategy

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– The portfolio would be diversified across sectors

– Bottom up approach in process of stock selection

– Aims at capturing the valuation gains, derived from understanding the Business, Management & Valuation of the company

– Flexible investment style

– 65% to 95% in mid-cap stocks

– 0% to 30% other than mid-cap stocks

– 5% to 35% in debt & money market instruments

Returns < 1 yr: Absolute. Past performance may or may not be sustained in the future. Allotment Date: 24-02-05.

Kotak Mid-CapAn Open Ended Equity Growth Scheme

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35.8

2.9

45.1

-1.6-10.0

0.0

10.0

20.0

30.0

40.0

50.0

Last 1 year Since Allotment (Feb 24,2005)

Kotak Midcap CNX Midcap

Kotak Tax Saver SchemeAn Open- ended Equity Growth Scheme

Fund Positioning

– An ELSS Scheme, allowing investors twin advantage of capital appreciation and tax savings

Portfolio Strategy

– The portfolio diversified across sectors


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Kotak Lifestyle Scheme An Open- ended Equity Growth Scheme

Fund Positioning

– Focus on companies which are likely to benefit by changing lifestyle & rising consumerism in India.

Portfolio Strategy



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– Aims at capturing valuation gains derived from emerging lifestyle companies due to changing lifestyles of people.

Kotak Global IndiaAn Open- ended Equity Growth Scheme

Fund Positioning

– Focus on Globally Competitive Indian Companies that are looking at International market for growth– Aims at capturing the valuation gains, derived from resurgence in manufacturing sector and inherent strength in service sector

Portfolio Strategy



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Kotak Global IndiaAn Open- ended Equity Growth Scheme

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Returns = 1 yr: Absolute; Returns > 1 yr: CAGR. Past performance may or may not be sustained in the future. Allotment Date: 30-01-04


7.0

39.1 34.7

8.414.4

29.7

5.015.025.035.045.055.065.0

Last 1 year Last 3 years Since Allotment( Jan 30, 2004)

Kotak Global India S&P CNX 500

Kotak ContraAn Open- ended Equity Growth Scheme

Fund Positioning

– Follows contrarian style of investing

– Favours bargain hunting over the momentum approach to stock picking

Portfolio Strategy

– Invests in [1] companies, which are fundamentally sound and are having long-term growth potential, but are currently undervalued, [2] Companies / sectors whose changing fundamentals are not recognized by markets. [3] Companies / Sectors whose long-term potential is partly or wholly unrecognized by markets.

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Returns < 1 yr: Absolute. Past performance may or may not be sustained in the future. Allotment Date: 27-07-05. Returns assume reinvestment of the tax free dividends. MENU

Kotak ContraAn Open- ended Equity Growth Scheme


0.8

19.1

8.4

30.1

-5.0

5.0

15.0

25.0

35.0

45.0

55.0

Last 1 year Since Allotment ( July 27,2005)

Kotak Contra S&P CNX 500

Kotak MNCAn Open-ended Equity Growth Scheme

Fund Positioning

– A scheme diversified across sectors but focuses only on Multinational Companies

Portfolio Strategy

– Bottom up stock selection process

– Aggressive allocation across select stocks

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Kotak MNCAn Open-ended Equity Growth Scheme

Returns = 1 yr: Absolute; Returns > 1 yr: CAGR. Past performance may or may not be sustained in the future. Allotment Date: 04-04-00. Returns assume reinvestment of the tax free dividends.

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-8.3

31.8 32.0

18.2

33.330.2

11.8

15.815.6

15.1

27.429.7

-15

-10

-5

0

5

10

15

20

25

30

35

40

Last 1 year Last 3 years Last 5 years SinceAllotment(Apr 04,2000)

Kotak MNC * BSE Sensitive Index S&P CNX Nifty

Kotak TechnologyAn Open-ended Equity Growth Scheme

Fund Positioning

– A Sector Scheme, focusing on IT companies

Portfolio Strategy

– Portfolio has been kept strictly to IT companies – unlike competitors

– Strategic use of cash in an endeavor to enhance returns

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Kotak TechnologyAn Open-ended Equity Growth Scheme

Returns = 1 yr: Absolute; Returns > 1 yr: CAGR. Past performance may or may not be sustained in the future. Allotment Date: 04-04-00.

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21.9

36.8

20.4

27.7

0.3

41.7

24.8

-0.01

-5.00.05.0

10.015.020.025.030.035.040.045.0

Last 1 year Last 3 years Last 5 years SinceAllotment(April 04,

2000)

Kotak Tech BSE IT

Kotak BalanceAn Open-ended Balanced Scheme

Fund Positioning

– A balanced scheme

Portfolio Strategy

– Diversified equity basket for better risk control

– Mix of large and mid cap stocks

– Equity exposure maintained between 50% to 70%

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Kotak BalanceAn Open-ended Balanced Scheme

Returns = 1 yr: Absolute; Returns > 1 yr: CAGR. Past performance may or may not be sustained in the future. In periods where benchmark values were not available, the benchmark returns are not shown. Allotment Date: 25-11-99.

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2.8

27.6 27.0

18.7

10.4

18.0 18.91

05

10152025303540

1 year 3 years 5 years SinceAllotment(Nov 25,1999)

Kotak Balance * Crisil Balanced Fund Index

Fund Positioning

– Single asset class (equity), multi manager Fund of Funds–The portfolio invests largely across equity schemes from multiple fund houses

– The Scheme allows you to invest in the Best of Breed equity schemes (based on recommendations of Designated Agency) in India, without the challenges of managing such a portfolio on your own.

Kotak Equity FOFAn Open-ended Equity Fund of Fund Scheme

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Portfolio Strategy

– 75% of the portfolio in diversified large cap schemes. Remaining in aggressive equity schemes

– Use of cash for managing liquidity: Flexibility to hold up to 10% in call money, floaters and other money market instrument.

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– Scheme selection on the basis of parameters like consistency of performance, risk, corpus etc

– The research function has been outsourced to a Designated Agency (Kotak Securities)


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Returns = 1 yr: Absolute; Returns > 1 yr: CAGR. Past performance may or may not be sustained in the future. Allotment Date: 09-08-04


6.0

39.7

11.8

37.7

0

10

20

30

40

50

60

Last 1 year Since Allotment ( Aug 09,2004)

Kotak Equity FOF S & P CNX Nifty

Kotak Income PlusAn Open Ended Income Scheme

Fund Positioning

– An income scheme, wherein equity component is aimed to be used as a return enhancer

Portfolio Strategy

– Equity investments are aimed to be used as a tool for return enhancement

– Predominant investments in Debt / Money market securities

– Debt portion managed comparable to Kotak Bond Short Term Plan

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Kotak Income PlusAn Open Ended Income Scheme

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3.7

8.2 8.2

5.76.3 6.8

0123456789

1 year 3 Years Since Allotment (Dec 02, 2003)

Kotak Income Plus CRISIL MIP Blended Index

Fund Positioning

– A long term Income Plan (s)

Plans*

– Regular Plan

– Deposit Plan

Kotak BondAn Open Ended Debt Scheme

*Both Plans share the same portfolio

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Portfolio Strategy

– Investments in G.Secs, Corporate Bonds and Money Market securities

– G.Sec component varies depending on market conditions– No restriction on maturity of portfolio; however average portfolio maturity is generally 2 to 6 years

Kotak BondAn Open Ended Debt Scheme

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Kotak Bond Regular(Growth)An Open Ended Debt Scheme

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5.2

3.5

6.2

4.3

6.9

8.8

6.96.7

0123456789

10

1 year 3 Years 5 Years SinceAllotment( Nov 25,

1999)

Deposit Plan Regular Plan Crisil Composite Bond Index

Past performance is no guarantee of future results. For details on ranking methodology, please refer to the disclaimer. * Previously Kotak Bond Wholesale

Kotak Bond Regular(Growth)An Open Ended Debt Scheme

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Awards won by Kotak Bond Regular*Kotak Bond Regular won the Lipper Fund awards India – April 2006

(Best Fund over Five years – Bond Indian Rupee – General)

Kotak Bond Regular won ICRA ONLINE MFR 1 – December 2005

(2nd Best performing Open-Ended Debt/ Income Fund – 3 year category)

Kotak Bond Deposit won ICRA ONLINE MFR 1 - December 2004

(Best performing Open-Ended Debt/ Income Fund – 3 year category)

CNBC India Mutual Fund of the Year Award 2004






CRISIL Best Fund Award 2003

(Best performing Open-Ended Income Fund)

Kotak Bond Short TermAn Open Ended Debt Scheme

Fund Positioning

– A short term Income Plan

Portfolio Strategy

– Average Portfolio Maturity capped at 3 years

– Dynamic approach to duration management within the prescribed limits

– Investments in CPs, T Bills, Bonds and Gilts

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Kotak Bond Short TermAn Open Ended Debt Scheme

Returns = 1 yr: Absolute; Returns > 1 yr: CAGR. Past performance may or may not be sustained in the future. Allotment Date: 02-05-02.

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7.0

5.76.3

5.7

4.2

5.2

0

1

2

3

4

5

6

7

8

1 year 3 Years Since Allotment( May 02, 2002)

Short Term Plan Crisil Short - Term Bond Fund Index

Past performance is no guarantee of future results. For details on ranking methodology, please refer to the disclaimer.

Kotak Bond Short termAn Open Ended Debt Scheme

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Awards won by Kotak Bond Short termKotak Bond Short term has been awarded ICRA MFR-1– March 2007

(Best open ended bond short term in 3 year for period ending december 31st 2006)

Kotak Floater Long Term SchemeAn Open Ended Debt Scheme

Fund Positioning

– Floating Rate (long term) Scheme

Portfolio Strategy

– Investments are in money market and floating rate securities with an aim to contain interest rate risk

–Higher component of the portfolio is deployed in carry assets so that they run down to maturity

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Kotak Floater Long Term SchemeAn Open Ended Debt Scheme

Returns = 1 yr: Absolute; Returns > 1 yr: CAGR. Past performance may not be sustained in the future. In periods where benchmark values were not available, the benchmark returns are not shown. Allotment Date: 13-08-04.

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7.1

6.06.4

5.3

3

4

5

6

7

8

Last 1 year Since Allotment (Aug 13,2004)

Kotak Floater Long Term CRISIL Liquid Fund Index

Kotak Floater Short Term SchemeAn Open Ended Debt Scheme

Fund Positioning

– A Floating Rate (short term) Scheme

Portfolio Strategy

– The entire investments in papers that have outstanding maturity of less than 1 year; not more than 10% of the portfolio can be exposed to market risk

– Investments are predominantly in money market and floating rate securities

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Kotak Floater Short Term SchemeAn Open Ended Debt Scheme

Returns < 1 yr: Absolute. Past performance may not be sustained in the future. Allotment Date: 14-07-03.

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7.15.9 5.8

6.45.1 4.9

0

2

4

6

8

Last 1 year Last 3 years Since Allotment(July 14, 2003)

Kotak Floater Short Term CRISIL Liquid Fund Index

Kotak Cash Plus SchemeAn Open Ended Debt Scheme

Fund Positioning

– An arbitrage scheme

Portfolio Strategy

– To generate income from investments in debt and money market securities and by availing arbitrage opportunities between price of spot and derivatives equity markets.

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– The scheme will invest in equity, derivatives and debt and money market instruments as per the investment pattern.

Kotak Cash Plus SchemeAn Open Ended Debt Scheme

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8.3

7.6

6.55.9

0.0

1.0

2.0

3.0

4.0

5.0

6.0

7.0

8.0

9.0

1 year Since Allotment (Sept 29, 2005)

Kotak Cash Plus CRISIL Liquid Fund Index

Kotak Flexi DebtAn Open Ended Debt Scheme

Fund Positioning

– To generate superior returns over cash funds

Portfolio Strategy

– Focus on protecting the downside rather than capturing additional capital gains

–Enhance returns by increasing the carry on the portfolio

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– Focused more on 3- 6 months assets

– No mark to market risk on the portfolio

– Capitalise on trading opportunities in bond market



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7.6

6.7

3.74.0

1

2

3

4

5

6

7

8

1 year Since Allotment (Dec 06, 2004)

Kotak Flexi Debt CRISIL Composite Bond Index

Past performance is no guarantee of future results. For details on ranking methodology, please refer to the disclaimer.


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Awards won by Flexi DebtKotak Flexi Debt has been awarded ICRA MFR-1 – March 2007

(Best open ended bond short term in 1 year for period ending december 31st 2006)

Kotak Gilt InvestmentA plan under an Open-ended Dedicated Gilt Scheme

Fund Positioning– A long term Gilt Plan

Portfolio Strategy

– Predominant investments in long-term G.Secs- no cap on average maturity

– Aggressive asset allocation: increase cash allocation in bearish times and vice versa

Plans– Regular Plan

– PF and Trust Plan

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Kotak Gilt InvestmentA plan under an Open-ended Dedicated Gilt Scheme

Returns = 1 yr: Absolute; Returns > 1 yr: CAGR. Past performance may or may not be sustained in the future. In periods where benchmark values were not available, the benchmark returns are not shown. Allotment Date 29-12-98.

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4.2

2.5

6.7

10.9

5.3

3.2 3.0$

6.8

0

2

4

6

8

10

12

1 Year 3 Years 5 Years Since Allotment(Inv Plan - Dec 29,

'98;)

Investment Plan ISEC Composite Index

Kotak Gilt SavingsA plan under an Open-ended Dedicated Gilt Scheme

Fund Positioning

– A short term Gilt Plan

Portfolio Strategy

– Average Portfolio Maturity capped at 4 years

– Substantial cash component in bearish markets- very low average maturity

– Low interest rate / price risk

– Predominant investments in short-term G.Secs, treasury bills

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Kotak Gilt SavingsA plan under an Open-ended Dedicated Gilt Scheme


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5.5 5.2 5.4

7.5

5.94.8

6.0

012345678

Last 1 Year Last 3 Years(CAGR*)

Last 5 Years(CAGR*)

SinceAllotment (

Dec 29,1998)

Savings Plan ISEC SIBEX

Kotak Liquid SchemeAn Open Ended Debt Scheme

Fund Positioning– A Liquid scheme aimed at cash management needs of individuals, corporate’s etc

Plans*– Regular

– Institutional

– Institutional Premium

Portfolio Strategy

– Predominant investments in money market securities– Average portfolio maturity is generally less than 6

months

*All plans share the same portfolio

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Kotak Liquid SchemeAn Open Ended Debt Scheme

Returns = 1 yr: Absolute; Returns > 1 yr: CAGR. Past performance may not be sustained in the future. In periods where benchmark values were not available, the benchmark returns are not shown. Allotment Date: 05-10-00.

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6.5

5.3 5.56.26.4

5.15.65.2

0

1

2

3

4

5

6

7

1 year 3 years 5 years SinceAllotment(Reg. - Oct

05, '00)

Kotak Liquid Regular Plan CRISIL Liquid Fund Index

Awards Won by Kotak Mutual Fund as a Fund House

NDTV Business Leadership Award 2006

(in the Mutual Fund Category)

Lipper Fund Awards India 2006

(Best Bond Fund Group Over Three years)

Outlook Money Best Wealth creator Debt 2003

MENUFor details on ranking methodology, please refer to the disclaimer

Risk Return Stack UpR

isk

Potential Return

Kotak LiquidKotak Floater ST

Kotak Gilt Savings

Kotak Bond Deposit & regular

Kotak 30 and Kotak Contra

Kotak MNCKotak Tech

Kotak Global India & Kotak Midcap

Kotak Income Plus

Kotak Balance

Kotak Bond STP

Kotak Gilt Investment

The above chart is meant only to show relative positioning and should not be construed as absolute risk return relationships among different products.

Kotak Equity FOF

Kotak Floater LT

Kotak Opportunities

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Kotak Flexi Debt

Kotak Cash Plus

Kotak Lifestyle

Kotak Mutual At a Glance

AUM: Rs. 12125 cr.

Equity AUM: Rs. 2749 cr.

Investor Base: Close to 5.05,000

No. of Schemes: 49

In existence for over 9 yrs

Branch presence in 54 cities in India

176 employees

Pioneered many products and services that

have now become standards in industry

As on 31th March 2007

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Risk Factors: Mutual Funds and securities investments are subject to market risks and there is no assurance or guarantee that the objectives of the Schemes will be achieved. *As with any securities investment, the NAV of the Units issued under the Schemes can go up or down depending on the factors and forces affecting the capital and money markets. * Past performance of the Sponsor or that of existing Schemes of the Fund does not indicate the future performance of the Schemes. *Kotak Gilt, Kotak Bond, Kotak Liquid, Kotak Floater Short Term, Kotak Floater Long Term, Kotak Dynamic Income, Kotak 30, Kotak Balance, Kotak Income Plus, Kotak Global India, Kotak Tech, Kotak Equity FoF, Kotak Opportunities and Kotak MNC, Kotak Contra are only the names of the Schemes and do not in any manner indicate the quality of the Schemes, future prospects or returns. * Appreciation of the value of the Units issued under Kotak 30, Kotak Tech and Kotak MNC can be restricted in the event of a high asset allocation to cash, when stock appreciates. * Investments by Kotak Tech in the Information Technology Sector will constrict the diversification of the Scheme due to which the NAV of the Units issued under the Scheme runs the risk of high volatility. * Technology stocks particularly run the risk of high volatility, high valuation and obsolescence. * The NAV of the Schemes may be affected, inter-alia, by changes in the market, market interest rates, Price/Interest-rate Risk and Credit Risk, changes in credit rating, government policy, volatility and liquidity in the money markets, pressure on the exchange rate of the rupee, trading volumes, performance of individual stocks, settlement periods and transfer procedures, Basis Risk, Spread Risk and Reinvestment Risk.

Risk Factors (Contd.): Specific Risk Factors for Equity FoF: The investors of the Scheme shall bear the recurring expenses of the Scheme in addition to the expenses of the underlying schemes. Hence the investor under the Scheme may receive lower pre-tax returns than what they may receive if they had invested directly in the underlying schemes in the same proportions. The portfolio disclosure of the scheme would be limited to providing particulars of the underlying schemes where the scheme has invested and will not include the investments made by the underlying schemes. The portfolio of the schemes would normally be comprised of schemes of Kotak Mahindra Mutual Fund and other schemes from the recommended list provided by the Designated Agency. Though adequate care would be taken to ensure that the methodology adopted by the Designated Agency is proper, there may be any analytical error (like assigning overweightage or underweightage to various risk-return parameters), execution error etc. by the Designated Agency, which may result in sub-optimal performance of the Scheme. Since the Scheme proposes to invest in 5 underlying , the significant underperformance in even one of the underlying schemes may adversely affect the performance of the Scheme. Investments in underlying equity/debt schemes will have all the risks associated with such schemes.

Risk Factors (Contd.): *Tax laws may change, affecting the return on investment in Units. * In the event of receipt of a very large number of redemption requests or very large value redemption requests or of a restructuring of the Schemes’ portfolios, there may be delays in the redemption of Units. Please refer to the paragraph on “Right to limit Redemption” in the Combined Offer Document. Statutory: Kotak Mahindra Mutual Fund has been established as a trust under the Indian Trusts Act, 1882, by Kotak Mahindra Bank Limited (liability Rs. NIL) with Kotak Mahindra Trustee Company Limited as the Trustee and with Kotak Mahindra Asset Management Company Limited as the Investment Manager. Before investing, please read the Offer Documents. We, Kotak Mahindra Asset Management Company Limited, and/or our employees, have long/short positions in the securities in respect of which investment advice is being rendered.

Investment Objectives: Kotak Gilt: To generate risk-free returns through investments in sovereign securities issued by the Central Government and/or a State Government and/or reverse repos in such securities. Kotak FMP: To generate regular returns by investing in debt / money market and Government Securities in such a way that the average maturity of the asset portfolio of a Plan does not exceed the maturity period of the Plan. Kotak Bond: To create a portfolio of debt and money market instruments of different maturities so as to spread the risk across a wide maturity horizon and different kinds of issuers in the debt market. Kotak Bond Short Term Plan: To provide reasonable returns and high level of liquidity by investing in debt and money market instruments of different maturities, so as to spread the risk across different kinds of issuers in the debt market. Kotak Liquid: To provide reasonable returns and high level of liquidity by investing in debt and money market instruments of different maturities, so as to spread the risk across different kinds of issuers in the debt market. Kotak Floater Short Term: To reduce the interest rate risk associated with investments in fixed rate instruments by investing predominantly in floating rate securities, money market instruments and using appropriate derivatives. Kotak Floater Long Term: To reduce the interest rate risk associated with investments in fixed rate instruments by investing predominantly in floating rate securities, money market instruments and using appropriate derivatives.

Kotak Flexi Debt: To maximize returns through an active management of a portfolio of debt and money market securities. Kotak Mid-Cap: To generate capital appreciation from a diversified portfolio of equity and equity related instruments.Kotak 30:To generate capital appreciation from a portfolio of predominantly equity and equity related securities with investment in generally not more than 30 stocks. Kotak Balance: To achieve growth by investing in equity and equity related instruments, balanced with income generation by investing in debt and money market instruments. Kotak Income Plus Scheme: To enhance returns over a portfolio of debt instruments with a moderate exposure in equity and equity related instruments.Kotak Global India: To generate capital appreciation from a diversified portfolio of predominantly equity and equity related securities issued by Globally Competitive Indian Companies. Kotak Tech: To generate capital appreciation from a portfolio of predominantly equity and equity related securities in the information technology sector. Kotak MNC: To generate capital appreciation from a portfolio of predominantly equity and equity related securities issued by Multinational Companies. Kotak Opportunities: To generate capital appreciation from a diversified portfolio of equity and equity related securities. Kotak Equity FOF: To generate long term capital appreciation from a portfolio created by investing predominantly in open-ended diversified equity schemes of Mutual Funds registered with SEBI. Kotak Contra: To generate capital appreciation from a diversified portfolio of equity and equity related instruments.

Ranking Methodology CRISIL: [A] Crisil Best Fund Awards 2003 is based on the ranking methodology of Crisil Fund Services. The Award recognizes consistency of mutual fund performance and is based on CRISIL~ CPRs (Composite Performance Rankings) across four-quarter ends (Sept-02, Dec-02, March-03 & June-03). These quarterly rankings took into account the performance and the portfolios of 19 Open End Income Schemes. [B] The criteria used in computing the CRISIL Composite CPR are Superior Return Ratio based on NAVs over the 2-year period for respective quarter ends, Concentration, Asset Quality, Liquidity and the Asset Size of the scheme. The methodology does not take into account the entry and exit loads levied by the scheme. [C] Individual CPR parameter scores were averaged for the fourth quarter and further multiplied by the parameter weight as per the CPR methodology to arrive at the final scores. The CPR rankings are published by Business Standard.

NDTV Business Leadership Awards 2006: The Award aims to felicitate excellence as acknowledged by their respective peer groups. Methodology: MF companies were short listed on the basis of criteria's like; types/ number of products and services offered, rate of return, minimum required investment amount, NAVs. The short listed entities further underwent self and peer evaluation. Weightage was assigned to factors like return on investments, various types of funds and good dividend track record etc. To arrive at the leader, 5 nominees based on the self and peer evaluations were presented to a panel of jury's who ranked each of them.

Ranking Methodology Lipper: All funds registered for sale in India as 31st December 2005 having at least 36 months of performance history as of that date. The calculation period extends over 36, 60, and 120 months with the highest consistent return (effective return) value within each eligible classification determines the fund classification winner over 3, 5 or 10 years. The lowest average decile rank of the three years consistent return measure of the eligible funds per asset class and group will determine the asset class group award winner over the three year period. In case of identical results the lower average percentile rank will determine the winner.

Ranking Methodology CNBC India: # Ranked by 'Moody's Investor Services' for 'The CNBC-BNP Paribas Mutual Fund of the year awards 2002, 2003 and 2004. # Chosen among 21 funds in 2002, 25 funds in 2003 and 22 funds in 2004 in the Debt/Income fund category. # Ranked on performance dated December 31, 2001 (1 year performance), December 31 (3 year performance), 2002 and December 31, 2003 (3 year performance). # Selection criteria - Only Open-ended Schemes, with at least one, three or five year track record, screened by minimum asset size and using SEBI classifications. # Load has not been considered for the rankings. # The Scheme Rankings were calculated by measuring the consistency of the fund's risk adjusted performance relative to its classification or investment objective. # Only open-ended Schemes, from eligible fund houses, with 1 year & 3 years track record with Fund Assets being greater than or equal to 1% of category total net assets have been considered for this award.The awards were published by CNBC-BNP Paribas.

Research Methodology of ICRA: Kotak Bond Deposit has been ranked ICRA MFR 1 by ICRA Online in the category Debt Long Term (name of the category) for its 3 (1 or 3 years) year performance till December 31, 2004. The rank indicates performance within the top 10% of the stated category, which had a total of 22 (no. of schemes in the category) similar funds, including this scheme. The rank is an outcome of an objective and comparative analysis against various performance parameters, including: risk adjusted return; fund size, Sector Concentration, and average maturity. The ranking methodology did not take into account the entry and exit loads imposed by the Fund. The rank is neither a certificate of statutory compliance nor any guarantee on the future performance of Kotak Mahindra Mutual Fund.

Outlook Money Award “Best Wealth Created (Debt) for 2003”: Methodology: All fund houses with AUM of at least Rs. 500 cr. As of June 30, 2003 were considered with minimum track record of 3 years for Income Schemes, 2 years for Gilt Schemes and 2 year for Liquid Schemes. Key parameter examined was risk adjusted return (bonus point for outperforming category, average risk adjusted` returns and for top 5 schemes in the respective categories). Weights were also assigned to factors like nature of schemes and investor services (online subscription and redemption, SIP and SWP, trigger facility, no loading switching, communication etc. To arrive at the final result, 14 asset management companies were considered for awards. Period of the award: 1st Jan - 31st Dec 2003. Only open-ended schemes were considered. No loads were considered. The award was based on the Outlook Money methodology and was also published by Outlook Money.

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