<Tr> <Th> Capital ratio </Th> <Td> 16.77% </Td> </Tr> <Tr> <Th> Website </Th> <Td> www.kotak.com </Td> </Tr> <P> Kotak Mahindra Bank is an Indian private sector bank headquartered in Mumbai, Maharashtra, India . In February 2003, Reserve Bank of India (RBI) gave the licence to Kotak Mahindra Finance Ltd., the group's flagship company, to carry on banking business . </P> <P> It offers a wide range of banking products and financial services for corporate and retail customers through a variety of delivery channels and specialized subsidiaries in the areas of personal finance, investment banking, general insurance, life insurance, and wealth management . </P>

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