A relative newcomer in the Indian banking industry, Kotak Mahindra Bank Ltd. and its NRI Services division are punching above their weight, according to K V S Manian, President of Consumer Banking. In an exclusive and wide-ranging interview, Manian spoke to PIO TV Managing Director Munish Gupta about what to expect from India in the coming year, the impact of the 2013 budget and more specifically on Kotak’s products for Overseas Indians. Kotak has several expansion plans and new products for NRIs in the offing.