CASH FLOW STATEMENT ANALYSIS ”AT “ KOTAK MAHINDRA BANK LTD

Abstract

This study considers the financial performance, growth strategies, and customer satisfaction levels of Kotak Mahindra Bank from 2020–21 to 2024–25. Based on cash flow statements, the study examines the origins and usage of funds, in order to assess the financial efficiency of the bank, as well as recognize the most important changes that occurred in fund composition during the chosen years. This study also dives into the various business initiatives of the bank in the direction of increasing its business performance, namely digital transformation and customer-centric services. Particular attention is paid to the digital banking platform Kotak 811 which has been launched with the mission to reach more customers. Through this cutting-edge digital ecosystem, the study explores the goal of doubling the customer base to 16 crore within 18 months. The study also conducts a market potential analysis on Kotak Mahindra Bank savings accounts among a sample of 50 respondents regarding their preferences, awareness and satisfaction. It further discusses the influence of current banking channels like Internet Banking, ATM services, and Phone Banking on the banking field and personal experience. Moreover, a comparison is examined between the services offered by Kotak Mahindra Bank and other private sector banks to find the level of customer satisfaction and the areas where work is done to improve those customer satisfaction levels. The results of the study offer insights related to the bank’s financial performance, digital banking initiatives, position and future growth and service enhancement.