Kotak Mahindra Bank Ltd

Kotak Mah. Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Kotak Mahindra Bank Ltd

₹ 2,204 -0.76%
14 Jul - close price
kotak.com BSE: 500247 NSE: KOTAKBANK
About

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]

Key Points

Market Share
The company ranks 4th in both deposit and gross advances market share. Its securities broking business held an 11.8% market share in FY24, while the asset management business had a 6.5% market share. [1]

Website BSE NSE
  • Market Cap ₹ 4,38,344 Cr.
  • Current Price ₹ 2,204
  • High / Low ₹ 2,302 / 1,679
  • Stock P/E 26.7
  • Book Value ₹ 590
  • Dividend Yield 0.11 %
  • ROCE 7.45 %
  • ROE 15.4 %
  • Face Value ₹ 5.00
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Pros

  • Company has delivered good profit growth of 22.6% CAGR over last 5 years

Cons

  • Stock is trading at 3.74 times its book value
  • Company has low interest coverage ratio.
  • Contingent liabilities of Rs.11,59,878 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.14,961 Cr.
  • Working capital days have increased from 163 days to 234 days

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Private Sector Bank

Part of BSE Sensex Nifty 50 BSE 500 BSE 100 BSE 200

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
7,066 7,338 8,093 8,999 9,821 10,500 11,193 11,799 12,307 12,746 13,216 13,428 13,530
Interest 2,545 2,641 2,993 3,346 3,718 4,266 4,896 5,246 5,398 5,904 6,197 6,231 6,246
2,579 3,181 3,501 3,900 3,789 4,332 4,368 4,863 4,690 5,096 5,265 5,432 5,903
Financing Profit 1,942 1,516 1,598 1,753 2,314 1,902 1,929 1,690 2,220 1,747 1,755 1,764 1,380
Financing Margin % 27% 21% 20% 19% 24% 18% 17% 14% 18% 14% 13% 13% 10%
1,704 1,244 1,832 1,948 2,186 2,683 2,315 2,297 2,978 6,449 2,684 2,623 3,182
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 3,646 2,760 3,431 3,701 4,500 4,585 4,244 3,987 5,198 8,196 4,439 4,387 4,563
Tax % 24% 25% 25% 25% 22% 25% 25% 25% 20% 24% 25% 25% 22%
2,767 2,071 2,581 2,792 3,496 3,452 3,191 3,005 4,133 6,250 3,344 3,305 3,552
EPS in Rs 13.94 10.43 13.00 14.06 17.60 17.37 16.06 15.12 20.79 31.44 16.82 16.62 17.86
Gross NPA % 2.34% 2.24% 2.08% 1.90% 1.78% 1.77% 1.72% 1.73% 1.39% 1.39% 1.49% 1.50% 1.42%
Net NPA % 0.64% 0.62% 0.55% 0.43% 0.37% 0.40% 0.37% 0.34% 0.34% 0.35% 0.43% 0.41% 0.31%
Raw PDF
Upcoming result date: 26 July 2025

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
8,767 9,720 16,384 17,699 19,748 23,890 26,930 26,840 27,039 34,251 45,799 52,920
Interest 5,047 5,496 9,484 9,573 10,217 12,684 13,430 11,501 10,221 12,699 19,806 24,578
2,682 3,226 6,102 6,165 7,063 8,110 10,695 10,676 11,062 13,782 18,198 20,990
Financing Profit 1,038 997 799 1,962 2,469 3,096 2,805 4,663 5,756 7,770 7,796 7,352
Financing Margin % 12% 10% 5% 11% 12% 13% 10% 17% 21% 23% 17% 14%
1,400 2,028 2,612 3,477 4,052 4,657 5,372 5,007 5,986 7,083 10,833 14,961
Depreciation 165 193 287 291 303 367 372 367 381 462 615 729
Profit before tax 2,272 2,833 3,124 5,148 6,218 7,386 7,805 9,303 11,361 14,391 18,014 21,584
Tax % 34% 34% 33% 34% 34% 34% 24% 25% 25% 24% 23% 24%
1,503 1,866 2,090 3,412 4,084 4,865 5,947 6,965 8,573 10,939 13,782 16,450
EPS in Rs 9.75 12.08 11.39 18.53 21.43 25.49 31.09 35.14 43.19 55.07 69.33 82.74
Dividend Payout % 4% 4% 4% 3% 3% 3% 0% 3% 3% 3% 3% 3%
Compounded Sales Growth
10 Years: 18%
5 Years: 14%
3 Years: 25%
TTM: 16%
Compounded Profit Growth
10 Years: 24%
5 Years: 23%
3 Years: 24%
TTM: 19%
Stock Price CAGR
10 Years: 12%
5 Years: 11%
3 Years: 7%
1 Year: 20%
Return on Equity
10 Years: 14%
5 Years: 14%
3 Years: 15%
Last Year: 15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 385 386 917 920 953 954 957 991 992 993 994 994
Reserves 11,898 13,758 23,045 26,697 36,531 41,446 47,562 62,238 70,995 82,027 95,725 116,246
Deposits 59,960 75,760 138,643 157,426 192,643 225,880 262,821 280,100 311,684 363,096 448,954 499,055
Borrowing 12,008 11,250 20,975 21,095 25,154 32,748 38,493 24,151 26,467 23,916 28,368 48,443
3,334 4,858 8,679 8,451 9,652 11,143 10,420 15,990 19,289 19,830 26,316 28,997
Total Liabilities 87,585 106,012 192,260 214,590 264,933 312,172 360,252 383,470 429,428 489,862 600,357 693,735
1,107 1,207 1,552 1,538 1,527 1,652 1,623 1,535 1,644 1,920 2,155 2,359
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 25,485 28,659 51,260 45,074 64,562 71,189 75,052 105,099 100,580 121,404 155,404 181,907
60,994 76,146 139,448 167,978 198,844 239,331 283,577 276,836 327,204 366,538 442,798 509,468
Total Assets 87,585 106,012 192,260 214,590 264,933 312,172 360,252 383,470 429,428 489,862 600,357 693,735

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
9,002 4,463 6,134 14,412 -10,275 -3,388 30,159 -5,298 2,161 -8,369 13,901 12,806
-549 -3,454 -52 -2,976 -2,514 810 -7,426 -1,782 -1,320 529 2,031 -19,538
-6,162 -727 -1,464 257 9,837 7,633 5,883 -6,586 2,456 -2,542 4,314 19,723
Net Cash Flow 2,291 282 4,617 11,692 -2,952 5,055 28,617 -13,666 3,297 -10,382 20,246 12,991

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 14% 14% 11% 13% 12% 12% 13% 12% 13% 14% 15% 15%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
25.97% 25.96% 25.95% 25.95% 25.94% 25.92% 25.91% 25.90% 25.89% 25.88% 25.88% 25.88%
40.55% 40.92% 40.90% 39.42% 41.54% 40.97% 39.74% 37.59% 33.16% 33.39% 32.48% 32.65%
17.29% 19.96% 20.09% 21.31% 19.57% 20.00% 21.38% 23.40% 27.69% 27.88% 28.79% 29.13%
16.20% 13.16% 13.05% 13.30% 12.92% 13.11% 12.98% 13.11% 13.26% 12.84% 12.83% 12.34%
No. of Shareholders 5,64,7895,54,7795,43,7365,82,7335,60,8256,35,2996,34,6986,81,3017,82,6807,39,7557,46,6027,05,616

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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