Kotak Mahindra Bank Ltd logo

Kotak Mahindra Bank Ltd

Financial Services F&O
NSE: KOTAKBANK BSE: 500247 Private Sector Bank

Key Fundamentals

LargecapPrivate BankBanks
Market Cap
4.1L Cr
Volatility
Low Risk
P/E Ratio
21.3
Book Value
₹168.84
52W High
₹1,020.5
52W Low
₹835.03

Technical Indicators

Key Insights

▲

Strengths

1
  • Company has delivered good profit growth of 20.8% CAGR over last 5 years
▼

Weaknesses

3
  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.11,75,810 Cr.
  • Earnings include an other income of Rs.37,905 Cr.

Growth Rate

Revenue Growth
15.42% ↗
Net Income Growth
-4.00% →
Cash Flow Change
-
ROE
15.00% ↗
ROCE
-
EBITDA Margin (Avg.)
-

Quarterly Results

  Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Depreciation 0000000000000
EPS in Rs 4.024.64.184.494.295.377.495.074.734.964.54.494.95
Expenses 9,34510,54810,30310,13612,48414,92012,26313,09410,59613,66413,12311,60613,933
Financing Margin % -19%-23%-18%-14%-27%-39%-20%-23%-7%-24%-20%-10%-22%
Financing Profit -2,136-2,796-2,269-1,955-3,975-5,976-3,231-3,806-1,133-4,051-3,402-1,740-3,811
Gross NPA % 1.91%1.76%1.75%1.69%1.68%1.38%1.39%1.48%1.51%1.45%———
Interest 3,8024,2304,8345,5365,9856,2126,8057,1397,1707,1607,5277,3337,384
Net NPA % 0.48%0.41%0.43%0.39%0.36%0.36%0.38%0.45%0.44%0.36%———
Net Profit 3,9954,5664,1504,4614,2655,3377,4485,0444,7014,9334,4724,4684,924
Other Income 7,3608,7857,8557,8439,58812,75113,04210,4537,31310,4029,4567,70310,344
Profit before tax 5,2245,9895,5865,8885,6146,7759,8116,6476,1806,3516,0535,9636,533
Revenue 11,01111,98212,86913,71714,49515,15615,83716,42716,63316,77217,24817,19917,507
Tax % 24%24%26%25%25%23%25%25%25%23%27%25%25%

Profit & Loss

  Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Depreciation 2082373453623834584654614805997929410
Dividend Payout % 2%2%3%2%2%2%0%2%2%2%2%2%—
EPS in Rs 3.23.943.775.376.517.558.9810.0812.1815.0318.3222.2618.9
Expenses 7,0539,71811,54114,83216,80519,75822,57829,81230,69933,48547,05248,89152,326
Financing Margin % -12%-25%-11%-18%-16%-17%-15%-30%-25%-14%-24%-18%-19%
Financing Profit -1,379-3,366-2,263-3,965-4,141-5,114-5,005-9,958-8,512-5,746-13,382-11,496-13,004
Interest 6,3126,96611,12311,45812,46715,18715,90112,96711,55414,41122,56728,27529,404
Net Profit 2,5273,1053,5245,0196,2587,2048,5939,99012,08914,92518,21322,12618,798
Other Income 5,2828,1527,63111,66013,68216,14816,89223,58824,94125,99138,03741,42637,905
Profit before tax 3,6954,5505,0247,3329,15810,57611,42213,16815,94819,64623,86328,98924,901
Revenue 11,98613,31920,40222,32425,13129,83133,47432,82033,74142,15156,23765,66968,726
Tax % 32%33%32%32%33%33%25%25%25%25%25%24%—

Balance Sheet

  Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Borrowing 29,00731,41543,73049,69058,60466,93966,07748,23955,66057,53475,10697,62282,700
CWIP 0000000000000
Deposits 56,93072,8431,35,9491,55,5401,91,2362,24,8242,60,4002,78,8713,10,0873,61,2734,45,2694,94,7075,24,500
Equity Capital 385386917920953954957991992993994994994
Fixed Assets 1,2641,3851,7611,7592,5432,6972,6752,5542,7233,0753,5103,7592,838
Investments 38,79145,58970,27468,46290,9771,03,4871,11,1971,56,9461,64,5291,95,3382,46,4462,84,2552,84,843
Other Assets 82,1421,01,4901,68,7692,05,9672,44,2012,88,9873,29,3013,19,3553,79,2454,22,0175,17,7115,91,7616,25,271
Other Liabilities 17,17622,04927,76132,46537,39245,62650,05967,40584,08689,8091,17,3211,29,9551,37,817
Reserves 18,69921,77032,44737,57249,53556,82765,68083,34895,6731,10,8211,28,9781,56,4951,66,941
Total Assets 1,22,1971,48,4642,40,8042,76,1883,37,7203,95,1714,43,1734,78,8545,46,4986,20,4307,67,6678,79,7749,12,952
Total Liabilities 1,22,1971,48,4642,40,8042,76,1883,37,7203,95,1714,43,1734,78,8545,46,4986,20,4307,67,6678,79,7749,12,952

Cash Flow

  Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Financing Activity -5,8142,4262,0246,05514,6798,365-735-10,0727,5431,88315,51522,165
Cash from Investing Activity -1,130-4,467-2,353-5,289-5,475-3,323-13,068-11,172-10,903-10,381-8,919-25,226
Cash from Operating Activity 9,0682,3025,02513,222-10,3921,82246,6194,8818,308-1,24215,68516,916
Net Cash Flow 2,1252604,69613,989-1,1886,86432,815-16,3634,949-9,74022,28113,855

Ratios

  Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 14%15%12%14%14%13%14%13%13%14%15%15%

Shareholding Pattern

32.9%
29.4%
25.9%
11.9%
DIIs: 32.88% FIIs: 29.36% Promoters: 25.87% Public: 11.90%
  Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
DIIs 21.31% 19.57% ↓1.720.00% ↑0.421.38% ↑1.423.40% ↑2.027.69% ↑4.327.88% ↑0.228.79% ↑0.929.13% ↑0.329.61% ↑0.532.02% ↑2.432.88% ↑0.9
FIIs 39.42% 41.54% ↑2.140.97% ↓0.639.74% ↓1.237.59% ↓2.133.16% ↓4.433.39% ↑0.232.48% ↓0.932.65% ↑0.232.34% ↓0.329.75% ↓2.629.36% ↓0.4
Promoters 25.95% 25.94% 25.92% ↓0.025.91% ↓0.025.90% ↓0.025.89% 25.88% ↓0.025.88% 25.88% 25.88% 25.87% 25.87%
Public 13.30% 12.92% ↓0.413.11% ↑0.212.98% ↓0.113.11% ↑0.113.26% ↑0.212.84% ↓0.412.83% 12.34% ↓0.512.18% ↓0.212.35% ↑0.211.90% ↓0.4
No. of Shareholders 5,82,7335,60,8256,35,2996,34,6986,81,3017,82,6807,39,7557,46,6027,05,6166,90,1256,91,4136,79,096

Documents

Company Information

Kotak Mahindra Bank is a diversified financial services group providing a wide range of banking and financial services including Retail Banking, Treasury and Corporate Banking, Investment Banking, Stock Broking, Vehicle Finance, Advisory services, Asset Management, Life Insurance and General Insurance.[1]

Website kotak.com
CEO Mr. Ashok Valiram Vaswani
Employees 1,14,000
Listed 1995-12-20
Face Value ₹ 1
Issued Size 1,98,90,98,595