Kotak Mahindra Bank Ltd

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

₹ 404 -0.25%
25 Sep - close price
kotak.com BSE: 500247 NSE: KOTAKBANK F&O
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 F&O
  • Market Cap ₹ 4,01,588 Cr.
  • Current Price ₹ 404
  • High / Low ₹ 453 / 345
  • Stock P/E 27.0
  • Book Value ₹ 136
  • Dividend Yield 0.16 %
  • ROCE 6.28 %
  • ROE 11.1 %
  • Face Value ₹ 1.00
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Pros

Cons

  • Stock is trading at 2.97 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.7% over last 3 years.
  • Contingent liabilities of Rs.10,38,505 Cr.
  • Company might be capitalizing the interest cost
  • Earnings include an other income of Rs.11,882 Cr.
  • Dividend payout has been low at 3.51% of profits over last 3 years
  • Working capital days have increased from 75.4 days to 114 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

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
10,500 11,193 11,799 12,307 12,746 13,216 13,428 13,530 13,837 13,649 13,903 14,175 14,477
Interest 4,266 4,896 5,246 5,398 5,904 6,197 6,231 6,246 6,577 6,339 6,339 6,299 6,549
4,332 4,368 4,863 4,690 5,096 5,265 5,432 5,903 5,983 5,579 5,832 5,653 5,803
Financing Profit 1,902 1,929 1,690 2,220 1,747 1,755 1,764 1,380 1,276 1,732 1,732 2,222 2,125
Financing Margin % 18% 17% 14% 18% 14% 13% 13% 10% 9% 13% 12% 16% 15%
2,683 2,315 2,297 2,978 6,449 2,684 2,623 3,182 3,080 2,589 2,838 3,116 3,338
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 4,585 4,244 3,987 5,198 8,196 4,439 4,387 4,563 4,356 4,321 4,570 5,339 5,463
Tax % 25% 25% 25% 20% 24% 25% 25% 22% 25% 25% 25% 25% 25%
3,452 3,191 3,005 4,133 6,250 3,344 3,305 3,552 3,282 3,253 3,446 4,027 4,123
EPS in Rs 3.47 3.21 3.02 4.16 6.29 3.36 3.32 3.57 3.30 3.27 3.47 4.05 4.15
Gross NPA % 1.77% 1.72% 1.73% 1.39% 1.39% 1.49% 1.50% 1.42% 1.48% 1.39% 1.30% 1.20% 1.18%
Net NPA % 0.40% 0.37% 0.34% 0.34% 0.35% 0.43% 0.41% 0.31% 0.34% 0.32% 0.31% 0.25% 0.27%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
9,720 16,384 17,699 19,748 23,890 26,930 26,840 27,039 34,251 45,799 52,920 55,564 56,205
Interest 5,496 9,484 9,573 10,217 12,684 13,430 11,501 10,221 12,699 19,806 24,578 25,554 25,526
3,226 6,102 6,165 7,063 8,110 10,695 10,676 11,062 13,782 18,198 20,990 22,229 22,868
Financing Profit 997 799 1,962 2,469 3,096 2,805 4,663 5,756 7,770 7,796 7,352 7,781 7,812
Financing Margin % 10% 5% 11% 12% 13% 10% 17% 21% 23% 17% 14% 14% 14%
2,028 2,612 3,477 4,052 4,657 5,372 5,007 5,986 7,083 10,833 14,961 11,623 11,882
Depreciation 193 287 291 303 367 372 367 381 462 615 729 819 0
Profit before tax 2,833 3,124 5,148 6,218 7,386 7,805 9,303 11,361 14,391 18,014 21,584 18,586 19,693
Tax % 34% 33% 34% 34% 34% 24% 25% 25% 24% 23% 24% 25%
1,866 2,090 3,412 4,084 4,865 5,947 6,965 8,573 10,939 13,782 16,450 14,008 14,849
EPS in Rs 2.42 2.28 3.71 4.29 5.10 6.22 7.03 8.64 11.01 13.87 16.55 14.08 14.94
Dividend Payout % 4% 4% 3% 3% 3% 0% 3% 3% 3% 3% 3% 5%
Compounded Sales Growth
10 Years: 13%
5 Years: 16%
3 Years: 18%
TTM: 4%
Compounded Profit Growth
10 Years: 21%
5 Years: 15%
3 Years: 9%
TTM: 10%
Stock Price CAGR
10 Years: 10%
5 Years: 0%
3 Years: 5%
1 Year: 0%
Return on Equity
10 Years: 13%
5 Years: 14%
3 Years: 14%
Last Year: 11%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 386 917 920 953 954 957 991 992 993 994 994 995
Reserves 13,758 23,045 26,697 36,531 41,446 47,562 62,238 70,995 82,027 95,725 116,246 134,317
Deposits 75,760 138,643 157,426 192,643 225,880 262,821 280,100 311,684 363,096 448,954 499,055 572,456
Borrowing 11,250 20,975 21,095 25,154 32,748 38,493 24,151 26,467 23,916 28,368 48,443 32,475
4,858 8,679 8,451 9,652 11,143 10,420 15,990 19,289 19,830 26,316 28,886 42,760
Total Liabilities 106,012 192,260 214,590 264,933 312,172 360,252 383,470 429,428 489,862 600,357 693,624 783,003
1,207 1,552 1,538 1,527 1,652 1,623 1,535 1,644 1,920 2,155 2,359 2,388
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 28,659 51,260 45,074 64,562 71,189 75,052 105,099 100,580 121,404 155,404 181,907 172,535
76,146 139,448 167,978 198,844 239,331 283,577 276,836 327,204 366,538 442,798 509,358 608,079
Total Assets 106,012 192,260 214,590 264,933 312,172 360,252 383,470 429,428 489,862 600,357 693,624 783,003

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
4,463 6,134 14,412 -10,275 -3,388 30,159 -5,298 2,161 -8,369 13,901 12,806 37,211
-3,454 -52 -2,976 -2,514 810 -7,426 -1,782 -1,320 529 2,031 -19,538 -2,624
-727 -1,464 257 9,837 7,633 5,883 -6,586 2,456 -2,542 4,314 19,723 -16,278
Net Cash Flow 282 4,617 11,692 -2,952 5,055 28,617 -13,666 3,297 -10,382 20,246 12,991 18,310
Free Cash Flow 4,260 5,896 14,111 -10,562 -3,778 29,848 -5,550 1,685 -9,119 13,044 11,925 36,403
CFO/OP 83% 72% 137% -65% -6% 198% -18% 30% -24% 67% 55% 125%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 14% 11% 13% 12% 12% 13% 12% 13% 14% 15% 15% 11%

Insights

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Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2022 Mar 2024 Mar 2025
Bank Branches
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CASA Ratio (Standalone Bank)
%
Kotak Life Insurance Gross Written Premium
₹ cr
Net Advances (Standalone Bank)
₹ cr
Kotak AMC Overall Average AUM
₹ cr
Kotak Securities Overall Market Share
%
Bank Customer Count
million
Kotak Mahindra Prime Customer Assets
₹ cr

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
25.92% 25.91% 25.90% 25.89% 25.88% 25.88% 25.88% 25.88% 25.87% 25.87% 25.87% 25.87%
40.97% 39.74% 37.59% 33.16% 33.39% 32.48% 32.65% 32.34% 29.75% 29.36% 26.40% 25.21%
20.00% 21.38% 23.40% 27.69% 27.88% 28.79% 29.13% 29.61% 32.02% 32.88% 36.19% 37.71%
13.11% 12.98% 13.11% 13.26% 12.84% 12.83% 12.34% 12.18% 12.35% 11.90% 11.54% 11.20%
No. of Shareholders 6,35,2996,34,6986,81,3017,82,6807,39,7557,46,6027,05,6166,90,1256,91,4136,79,0967,81,4487,84,727

* 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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