Kotak Mahindra Bank Limited (hereinafter referred to as the Bank) is a non-banking financial company. The company's field of activity is mainly the financing of passenger cars and commercial vehicles for retail customers, as well as warehouse and term financing for car dealers. The company operates through three segments: Vehicle Financing, Other Lending, and Financing and Investment Operations. The vehicle financing segment deals with retail vehicle sales, wholesale financing and permanent financing. The other lending segment deals with securities financing, securitization, bond investments / commercial real estate and other lending / fee-based services. The Treasury and Investments segment deals with equity trading and strategic investments. Its products include Home Loan, Personal Loan, Savings Account, National Pension Scheme (NPS), Business Loan, Life Insurance, Fixed Deposit, Recurring Deposit, Loan Against Property.