K LMS is an app designed by Kotak Mahindra Bank that ensures secured and convenient mode of processing retail loan applications. It has lots of features and with an intuitive user experience. It is simple, flexible, easy to use and saves time. It performs the banking tasks from the palm of your hand from anywhere and anytime. This tool developed for improving the efficiency of internal sales forces by providing platform to capture all relevant details of case and pushing it to Kotak’s environment from deep rural pockets. Thus it is modern way of accomplishing the dynamic needs of the financial market.