WEBSITE BSE:500247 NSE: KOTAK MAH.BK Inc. Year: 1985 Industry: Bank - Private
Last updated: 15:59
Kotak Mahindra Bank Limited (the Bank) is an India-based bank. The Bank provides a number of banking services to its clients such as retail banking, treasury and corporate banking in India and also has a representative workplace in Dubai. Its segments include Corporate / Wholesale Banking, Retail Banking, Treasury, BMU and Corporate Centre, and Other Banking commercial enterprise. The Corporate / Wholesale Banking segment consists of wholesale borrowings and lending and other related offerings to the corporate area, which are not protected unde...Read More
Kotak Mahindra Bank Limited (the Bank) is an India-based bank. The Bank provides a number of banking services to its clients such as retail banking, treasury and corporate banking in India and also has a representative workplace in Dubai. Its segments include Corporate / Wholesale Banking, Retail Banking, Treasury, BMU and Corporate Centre, and Other Banking commercial enterprise. The Corporate / Wholesale Banking segment consists of wholesale borrowings and lending and other related offerings to the corporate area, which are not protected under retail banking. The Retail Banking segment includes lending, branch banking and credit cards. The Treasury, BMU and Corporate Centre segment includes money market, forex marketplace, derivatives, investments and primary dealership of government securities and balance sheet management unit (BMU) for asset liability control and corporate centre, which commonly consists of help features. The Other Banking business section consists of different groups. ...Read Less
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Market Cap ₹423713 Cr.
Stock P/E 19.3
P/B 2.5
Current Price ₹426
Book Value ₹ 168.8
Face Value 1
52W High ₹460.3
Dividend Yield 0.12%
52W Low ₹ 372.3
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 12869 | 13717 | 14495 | 15156 | 15837 | 16427 | 16633 | 16772 | 17248 | 17199 |
| Other Income | 7855 | 7843 | 9588 | 12751 | 9239 | 10453 | 7313 | 10402 | 9456 | 7703 |
| Total Income | 20724 | 21560 | 24083 | 27907 | 25076 | 26880 | 23946 | 27174 | 26704 | 24901 |
| Interest Expense | 4834 | 5536 | 5985 | 6212 | 6805 | 7139 | 7171 | 7160 | 7529 | 7333 |
| Operating Expenditure | 9890 | 9681 | 11822 | 14478 | 11489 | 12204 | 9541 | 12523 | 11800 | 10552 |
| Provisions and contingencies | 414 | 455 | 662 | 442 | 774 | 890 | 1054 | 1140 | 1321 | 1054 |
| Operating Profit | 5586 | 5888 | 5614 | 6775 | 6008 | 6647 | 6180 | 6351 | 6053 | 5963 |
| Profit Before Tax | 5586 | 5888 | 5614 | 6775 | 9811 | 6647 | 6180 | 6351 | 6053 | 5963 |
| Provision for Tax | 1477 | 1465 | 1411 | 1533 | 2412 | 1649 | 1540 | 1442 | 1624 | 1517 |
| Profit After Tax | 4109 | 4423 | 4202 | 5242 | 7399 | 4998 | 4640 | 4909 | 4429 | 4446 |
| Adjustments | 41 | 38 | 62 | 95 | 49 | 46 | 61 | 24 | 43 | 22 |
| Profit After Adjustments | 4150 | 4461 | 4265 | 5337 | 7448 | 5044 | 4701 | 4933 | 4472 | 4468 |
| Adjusted Earnings Per Share | 4.2 | 4.5 | 4.3 | 5.4 | 7.5 | 5.1 | 4.7 | 5 | 4.5 | 4.5 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 13319 | 20402 | 22324 | 25131 | 29831 | 33474 | 32820 | 33741 | 42151 | 56237 | 65669 | 67852 |
| Other Income | 8152 | 7631 | 11660 | 13682 | 16148 | 16892 | 23588 | 24941 | 25991 | 38037 | 41233 | 34874 |
| Total Income | 21471 | 28032 | 33984 | 38813 | 45979 | 50366 | 56408 | 58682 | 68142 | 94274 | 106902 | 102725 |
| Interest Expense | 6966 | 11123 | 11458 | 12467 | 15187 | 15901 | 12967 | 11554 | 14411 | 22567 | 28275 | 29193 |
| Operating Expenditure | 9749 | 10894 | 14245 | 16163 | 19171 | 20485 | 27420 | 30409 | 33645 | 45871 | 45779 | 44416 |
| Provisions and contingencies | 206 | 992 | 949 | 1025 | 1045 | 2558 | 2852 | 771 | 440 | 1972 | 3859 | 4569 |
| Operating Profit | 4550 | 5024 | 7332 | 9158 | 10576 | 11422 | 13168 | 15948 | 19646 | 23863 | 28989 | 24547 |
| Profit Before Tax | 4550 | 5024 | 7332 | 9158 | 10576 | 11422 | 13168 | 15948 | 19646 | 23863 | 28989 | 24547 |
| Provision for Tax | 1485 | 1593 | 2383 | 3011 | 3456 | 2815 | 3265 | 4016 | 4866 | 5887 | 7043 | 6123 |
| Profit After Tax | 3065 | 3431 | 4949 | 6147 | 7120 | 8607 | 9903 | 11932 | 14780 | 17977 | 21946 | 18424 |
| Adjustments | -20 | 28 | -9 | 54 | 84 | -14 | 87 | 158 | 145 | 236 | 180 | 150 |
| Profit After Adjustments | 3045 | 3459 | 4940 | 6201 | 7204 | 8593 | 9990 | 12089 | 14925 | 18213 | 22126 | 18574 |
| Adjusted Earnings Per Share | 3.9 | 3.8 | 5.4 | 6.5 | 7.5 | 8.9 | 10 | 12.1 | 15 | 18.3 | 22.3 | 18.7 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 17% | 25% | 14% | 17% |
| Operating Profit CAGR | 21% | 22% | 20% | 20% |
| PAT CAGR | 22% | 23% | 21% | 22% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 11% | 6% | 3% | 12% |
| ROE Average | 15% | 15% | 14% | 14% |
| ROCE Average | 15% | 15% | 14% | 13% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 22156 | 33364 | 38493 | 50488 | 58282 | 67137 | 84839 | 97165 | 112314 | 129972 | 157489 |
| Minority's Interest | 336 | 396 | 474 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 72843 | 135949 | 155540 | 191236 | 224824 | 260400 | 278871 | 310087 | 361273 | 445269 | 494707 |
| Borrowings | 31415 | 43730 | 49690 | 58604 | 66439 | 65577 | 47739 | 55160 | 57034 | 75106 | 97622 |
| Other Liabilities & Provisions | 21825 | 27365 | 31991 | 37392 | 45626 | 50059 | 67405 | 84086 | 89809 | 117321 | 129955 |
| Total Liabilities | 148576 | 240804 | 276188 | 337720 | 395171 | 443173 | 478854 | 546498 | 620430 | 767667 | 879774 |
| Cash and balance with RBI | 3945 | 6925 | 7512 | 8934 | 10911 | 9513 | 12528 | 36049 | 19985 | 36287 | 41748 |
| Bank Balance | 2958 | 4675 | 18076 | 15467 | 20354 | 54567 | 35189 | 16616 | 22940 | 28920 | 37313 |
| Investments | 45589 | 70274 | 68462 | 90977 | 103487 | 111197 | 156946 | 164529 | 195338 | 246446 | 284255 |
| Advances | 88632 | 144793 | 167125 | 205997 | 243462 | 249879 | 252170 | 304474 | 359107 | 430352 | 486166 |
| Fixed Assets | 1385 | 1761 | 1755 | 1750 | 1884 | 1861 | 1740 | 1910 | 2261 | 2563 | 2811 |
| Other Assets | 6066 | 12376 | 13257 | 14596 | 15074 | 16156 | 20282 | 22920 | 20798 | 23101 | 27481 |
| Total Assets | 148576 | 240804 | 276188 | 337720 | 395171 | 443173 | 478854 | 546498 | 620430 | 767667 | 879774 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 6643 | 6903 | 11599 | 25589 | 24401 | 31264 | 64080 | 47717 | 52665 | 42925 | 65206 |
| Cash Flow from Operating Activities | 2302 | 5025 | 13223 | -10392 | 1822 | 46619 | 4881 | 8308 | -1242 | 15685 | 16916 |
| Cash Flow from Investing Activities | -4467 | -8662 | -5268 | -5608 | -3383 | -13199 | -11116 | -10969 | -10550 | -9097 | -25272 |
| Cash Flow from Financing Activities | 2426 | 2024 | 6055 | 14679 | 8365 | -735 | -10072 | 7543 | 1883 | 15515 | 22165 |
| Net Cash Inflow / Outflow | 260 | -1613 | 14010 | -1321 | 6804 | 32685 | -16307 | 4883 | -9910 | 22103 | 13809 |
| Closing Cash & Cash Equivalent | 6903 | 11599 | 25589 | 24401 | 31264 | 64080 | 47717 | 52665 | 42925 | 65206 | 79062 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 3.94 | 3.77 | 5.37 | 6.51 | 7.55 | 8.94 | 10.04 | 12.14 | 14.99 | 18.29 | 22.26 |
| CEPS(Rs) | 4.28 | 4.12 | 5.77 | 6.85 | 7.94 | 9.48 | 10.46 | 12.51 | 15.48 | 18.88 | 23.02 |
| DPS(Rs) | 0.09 | 0.1 | 0.12 | 0.14 | 0.16 | 0 | 0.18 | 0.22 | 0.3 | 0.4 | 0.5 |
| Book NAV/Share(Rs) | 28.66 | 36.37 | 41.82 | 52.99 | 60.54 | 69.66 | 85.11 | 97.38 | 112.51 | 130.68 | 158.33 |
| Yield on Advances | 15.03 | 14.09 | 13.36 | 12.2 | 12.25 | 13.4 | 13.02 | 11.08 | 11.74 | 13.07 | 13.51 |
| Yield on Investments | 10.38 | 7.29 | 8.94 | 7.01 | 7.07 | 7.98 | 7.04 | 7.03 | 5.53 | 6.52 | 8.64 |
| Cost of Liabilities | 6.68 | 6.19 | 5.58 | 4.99 | 5.21 | 4.88 | 3.97 | 3.16 | 3.45 | 4.34 | 4.77 |
| NIM (Net Interest Margin) | 4.5 | 4.09 | 4.16 | 3.94 | 3.87 | 4.13 | 4.35 | 4.25 | 4.64 | 4.54 | 4.4 |
| Interest Spread | 8.35 | 7.9 | 7.78 | 7.21 | 7.04 | 8.52 | 9.04 | 7.92 | 8.29 | 8.73 | 8.73 |
| ROA(%) | 2.26 | 1.76 | 1.91 | 2 | 1.94 | 2.05 | 2.15 | 2.33 | 2.53 | 2.59 | 2.66 |
| ROE(%) | 14.87 | 12.36 | 13.78 | 13.82 | 13.15 | 13.84 | 13.12 | 13.19 | 14.19 | 14.88 | 15.28 |
| ROCE(%) | 14 | 13.01 | 12.98 | 12.95 | 12.66 | 11.88 | 12.1 | 12.79 | 13.86 | 15.06 | 15.14 |
| PER(x) | 33.3 | 36.12 | 32.5 | 32.23 | 35.39 | 29 | 34.94 | 28.9 | 23.14 | 19.53 | 19.51 |
| Price/Book(x) | 4.58 | 3.74 | 4.17 | 3.96 | 4.41 | 3.72 | 4.12 | 3.6 | 3.08 | 2.73 | 2.74 |
| Dividend Yield(%) | 0.07 | 0.07 | 0.07 | 0.07 | 0.06 | 0 | 0.05 | 0.06 | 0.09 | 0.11 | 0.12 |
| EV/Net Sales(x) | 9.97 | 8.27 | 9.42 | 10.28 | 10.79 | 9.38 | 12.06 | 11.97 | 9.53 | 7.65 | 8.06 |
| EV/Core EBITDA(x) | 27.93 | 28.04 | 25.39 | 25.38 | 27.7 | 22.47 | 24.71 | 24.16 | 20.01 | 16.65 | 16.11 |
| Interest Earned Growth(%) | 11.12 | 53.18 | 9.42 | 12.57 | 18.7 | 12.21 | -1.95 | 2.81 | 24.93 | 33.42 | 16.77 |
| Net Profit Growth | 22.04 | 11.94 | 44.24 | 24.21 | 15.82 | 20.89 | 15.06 | 20.49 | 23.87 | 21.63 | 22.08 |
| Advances Growth | 23.63 | 63.36 | 15.42 | 23.26 | 18.19 | 2.64 | 0.92 | 20.74 | 17.94 | 19.84 | 12.97 |
| EPS Growth(%) | 23.22 | -4.36 | 42.33 | 21.25 | 15.99 | 18.46 | 12.29 | 20.93 | 23.42 | 22.02 | 21.72 |
| Loans/Deposits(x) | 43.13 | 32.17 | 31.95 | 30.64 | 29.55 | 25.18 | 17.12 | 17.79 | 15.79 | 16.87 | 19.73 |
| Cash/Deposits(x) | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.12 | 0.06 | 0.08 | 0.08 |
| Current Ratio(x) | 0.63 | 0.52 | 0.44 | 0.48 | 0.46 | 0.43 | 0.56 | 0.53 | 0.54 | 0.55 | 0.57 |
| Quick Ratio(x) | 43.13 | 32.17 | 31.95 | 30.64 | 29.55 | 25.18 | 17.12 | 17.79 | 15.79 | 16.87 | 19.73 |
| CASA % | 37.13 | 38.66 | 44.34 | 50.85 | 52.47 | 56.36 | 60.48 | 60.63 | 52.78 | 45.48 | 42.99 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 25.93 | 25.91 | 25.9 | 25.89 | 25.89 | 25.89 | 25.88 | 25.88 | 25.88 | 25.87 |
| FII | 39.31 | 38.08 | 35.93 | 31.5 | 31.74 | 30.82 | 30.99 | 30.68 | 29.74 | 29.35 |
| DII | 21.67 | 23.03 | 25.06 | 29.35 | 29.54 | 30.4 | 30.8 | 31.27 | 32.02 | 32.89 |
| Public | 13.1 | 12.97 | 13.11 | 13.26 | 12.84 | 12.9 | 12.33 | 12.17 | 12.36 | 11.89 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 51.53 | 51.51 | 51.49 | 51.47 | 51.47 | 51.46 | 51.46 | 51.46 | 51.46 | 51.46 |
| FII | 78.13 | 75.69 | 71.43 | 62.62 | 63.09 | 61.28 | 61.61 | 60.99 | 59.14 | 58.37 |
| DII | 43.07 | 45.79 | 49.82 | 58.34 | 58.73 | 60.43 | 61.23 | 62.18 | 63.67 | 65.42 |
| Public | 26.03 | 25.78 | 26.05 | 26.36 | 25.53 | 25.64 | 24.52 | 24.2 | 24.58 | 23.65 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 198.75 | 198.77 | 198.79 | 198.8 | 198.81 | 198.82 | 198.82 | 198.83 | 198.86 | 198.91 |
* The pros and cons are machine generated.
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