The Bank and its Subsidiaries' endeavour to enhance the accessibility and affordability of quality education for deserving underserved sections of society.

Education will remain the primary CSR focus area for the Group, and the initiatives will focus on providing infrastructure to schools, scholarships for deserving children and supporting parents and teachers to provide holistic learning environment for children at school and home. The education initiatives will be primarily implemented through Kotak Education

Foundation (KEF) and the Bank's CSR team.

Programmes Undertaken:

• Spoken English Programme
• Health and Nutrition programmes to reduce drop-out rates caused by poor health conditions of students.
• Scholarship and Mentoring
• Kotak Udaan: Scholarship programme for students facing extreme hardships in life.
• Kotak 'In search of Excellence'
• School Leadership Development initiative.
• Parent Intervention Programme