	C 2012 Mar 31	2013 Mar 31	2014 Mar 31	R 2015 Mar 31	2016 Mar 31	2017 Mar 31	R 2018 Mar 31	R 2019 Mar 31	2020 Mar 31	C 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M IR	12M AR	12M AR	12M IR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Net Interest & Dividend Income	3,928	4,813	5,674	6,353	9,279	10,867	12,664	14,645	17,573	19,853	22,187	27,740	33,669	37,394	40,161
Non-Interest Revenue	4,236	4,684	4,563	7,714	6,988	10,740	12,422	14,955	15,708	22,368	23,514	23,724	35,860	38,773	20,714
Total Revenue	8,164	9,497	10,237	14,067	16,266	21,606	25,086	29,599	33,281	42,221	45,701	51,464	69,530	76,167	60,875
Total Operating Expenses	5,508	6,346	6,728	9,633	11,107	14,137	15,766	19,067	20,994	28,437	30,693	32,017	45,725	47,183	35,250
Operating Profit	2,657	3,151	3,509	4,433	5,159	7,470	9,320	10,532	12,287	13,784	15,007	19,446	23,804	28,984	25,625
Operating Margin	32.5	33.2	34.3	31.5	31.7	34.6	37.2	35.6	36.9	32.6	32.8	37.8	34.2	38.1	42.1
Profit before Taxes	2,657	3,144	3,696	4,550	5,024	7,332	9,158	10,576	11,422	13,168	15,948	19,646	23,863	28,989	25,993
Income Taxes	806	940	1,184	1,485	1,592	2,383	3,011	3,456	2,815	3,265	4,016	4,866	5,887	7,043	6,812
Profit after Tax	1,832	2,188	2,465	3,164	3,459	4,940	6,201	7,204	8,593	9,990	12,089	14,925	18,213	22,126	19,288
PAT Margin	22.4	23.0	24.1	22.5	21.3	22.9	24.7	24.3	25.8	23.7	26.5	29.0	26.2	29.0	31.7
EPS - Basic - ex Extraordinary Items	2.48	2.94	3.22	4.10	3.78	5.38	6.54	7.52	9.00	10.15	12.19	15.03	18.33	22.26	19.40
EPS - Diluted - ex Extraordinary Items	2.47	2.93	3.21	3.94	3.77	5.37	6.53	7.51	8.99	10.14	12.19	15.03	18.33	22.26	19.39
EBIT	2,657	3,151	3,509	4,433	5,159	7,470	9,320	10,532	12,287	13,784	15,007	19,446	23,804	28,984	25,625
EBITDA	2,821	3,331	3,717	4,670	5,504	7,832	9,704	10,990	12,752	14,245	15,487	20,046	24,596	29,925	26,657
EBITDA Margin	34.6	35.1	36.3	33.2	33.8	36.2	38.7	37.1	38.3	33.7	33.9	39.0	35.4	39.3	43.8

Balance Sheet

Abridged

Understanding Balance Sheet

Kotak Mahindra Bank Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	C 2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	R 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	PRESS
Cash & ST Balance with Banks	3,576	4,518	5,891	5,140	9,472	12,024	15,282	22,089	15,756	24,843	22,676	26,491	42,692	61,733	1,02,091
Lending & LT Balance with Banks	-	-	752	1,764	2,127	13,565	9,167	9,175	43,446	17,887	24,154	9,954	14,418	7,884	-
Property Plant & Equipment - Net	612	616	1,204	1,316	1,649	1,621	1,616	1,686	1,684	1,578	1,646	1,875	2,201	2,468	2,853
Total Assets	92,349	1,15,835	1,22,237	1,48,576	2,40,804	2,76,188	3,37,720	3,95,171	4,43,173	4,78,854	5,46,498	6,20,430	7,67,667	8,79,774	10,03,353
Deposits - Total	36,461	49,389	56,930	72,843	1,35,949	1,55,540	1,91,236	2,24,824	2,60,400	2,78,871	3,10,087	3,61,273	4,45,269	4,94,707	5,66,940
Long Term Debt	29,195	36,172	29,007	31,415	43,730	49,690	58,604	66,439	65,577	47,739	55,148	57,034	75,106	97,622	95,394
Total Liabilities	79,253	1,00,359	1,02,881	1,26,084	2,07,044	2,37,220	2,87,232	3,36,889	3,76,036	3,94,016	4,49,333	5,08,115	6,37,695	7,22,285	8,22,127
Total Shareholders' Equity	12,936	15,267	19,085	22,156	33,364	38,493	50,488	58,282	67,137	84,839	97,165	1,12,314	1,29,972	1,57,489	1,81,226
Minority Interest	160	209	271	336	396	474	-	-	-	-	-	-	-	-	-
Total Equity	13,096	15,476	19,355	22,492	33,760	38,967	50,488	58,282	67,137	84,839	97,165	1,12,314	1,29,972	1,57,489	1,81,226
Total Liabilities & Equity	92,349	1,15,835	1,22,237	1,48,576	2,40,804	2,76,188	3,37,720	3,95,171	4,43,173	4,78,854	5,46,498	6,20,430	7,67,667	8,79,774	10,03,353

Cash Flow

Abridged

Understanding Cash Flow Statement

Kotak Mahindra Bank Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	C 2012 Mar 31	C 2013 Mar 31	C 2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	R 2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M IR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	2,103	2,032	2,550	1,225	4,786	4,677	6,857	7,693	12,523	8,674	12,326	17,033	13,482	19,116	23,753
Working Capital - Increase/(Decrease)	-3,295	846	6,518	1,735	239	8,525	-17,249	-5,871	34,096	-3,793	-4,023	-18,276	2,203	-2,200	17,974
Net CF from Operating Activities	-1,192	2,878	9,068	2,960	5,025	13,202	-10,392	1,822	46,619	4,881	8,303	-1,242	15,685	16,916	41,727
Capital Expenditures - Net	191	215	433	268	310	382	366	491	413	300	633	961	1,092	1,148	1,036
Net CF from Investing Activities	-5,456	-9,035	-1,130	-5,126	-8,663	-5,268	-5,608	-3,383	-13,199	-11,116	-10,969	-10,550	-9,097	-25,272	-16,519
Dividends Paid - Cash - Total	43	52	64	70	99	111	138	193	233	41	219	259	337	398	497
Stock - Issuance/(Retirement) - Net	98	174	1,416	88	364	206	5,953	724	361	7,844	359	268	-301	46	187
Debt - LT & ST - Issuance/(Retirement) - Total	7,121	6,977	-7,165	2,408	1,760	5,960	8,893	7,835	-862	-17,838	7,409	1,874	16,152	22,516	-2,229
Net Cash Flow from Financing Activities	7,229	7,099	-5,814	2,426	2,024	6,055	14,679	8,365	-735	-10,072	7,549	1,883	15,515	22,165	-2,538
Free Cash Flow to Equity	5,739	9,640	1,470	5,100	6,475	18,780	-1,866	9,166	45,344	-13,257	15,079	-329	30,745	38,284	38,462
Free Operating CF net dividend	-1,431	2,604	8,562	2,599	4,601	12,687	-10,956	1,104	45,933	4,472	7,414	-2,488	14,222	15,305	40,171
Free Operating CF	-1,388	2,656	8,626	2,669	4,700	12,798	-10,818	1,297	46,166	4,513	7,633	-2,229	14,558	15,703	40,669

Business Segment Analysis

FY End:

Mar 25

Kotak Mahindra Bank Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Capex

Retail Banking (52.5%)₹ 641.50 CrTreasury, BMU and Corporate Centre (18.7%)₹ 228.93 CrInsurance (11.3%)₹ 138.10 CrCorporate / Wholesale Banking (6.4%)₹ 78.06 CrBroking (5.3%)₹ 64.69 CrAsset Management (2.9%)₹ 35.13 CrVehicle Financing (1.1%)₹ 13.28 CrAdvisory and Transactional Services (1.0%)₹ 12.54 CrOther Lending Activities (0.8%)₹ 9.77 Cr

Revenue / Sales

Other Retail Banking (27.3%)₹ 31,658.39 CrInsurance (21.8%)₹ 25,268.44 CrCorporate / Wholesale Banking (21.4%)₹ 24,786.28 CrTreasury, BMU and Corporate Centre (14.4%)₹ 16,666.22 CrBroking (3.8%)₹ 4,369.02 CrVehicle Financing (3.5%)₹ 4,100.64 CrAsset Management (2.5%)₹ 2,893.67 CrOther Lending Activities (1.9%)₹ 2,227.57 CrDigital Banking (1.9%)₹ 2,171.33 CrAdvisory and Transactional Services (1.5%)₹ 1,682.06 Cr

Assets

Other Retail Banking (39.4%)₹ 4,43,776.56 CrCorporate / Wholesale Banking (24.3%)₹ 2,74,494.22 CrTreasury, BMU and Corporate Centre (20.2%)₹ 2,28,006.78 CrInsurance (8.4%)₹ 94,811.03 CrVehicle Financing (2.6%)₹ 29,848.75 CrOther Lending Activities (2.2%)₹ 24,726.19 CrBroking (1.9%)₹ 20,970.01 CrAsset Management (0.7%)₹ 8,253.15 CrUnallocated (0.1%)₹ 1,409.34 CrAdvisory and Transactional Services (0.1%)₹ 1,301.64 CrDigital Banking (0.0%)₹ 52.99 Cr

Regional Segment Analysis

Kotak Mahindra Bank Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

We don't have enough data to show regional segment analysis for Kotak Mahindra Bank Ltd.

Historical Segment Analysis

Track how Kotak Mahindra Bank Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Capex

Sales

Assets

Business

Regional

Business

	2010 Mar 31	2011 Mar 31	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31

Retail Banking	-	68	71	100	129	125	170	203	238	365	242	217	392	563	630	642
Treasury, BMU and Corporate Centre	272	27	67	42	665	158	53	58	44	83	80	52	68	123	187	229
Insurance	21	19	21	18	22	25	42	52	37	57	46	45	58	87	128	138
Corporate / Wholesale Banking	3	4	6	8	14	17	13	23	21	54	29	22	37	65	58	78
Broking	64	18	12	9	18	17	32	19	28	22	29	16	76	61	54	65
Asset Management	4	6	4	6	6	22	9	8	11	8	12	9	16	35	23	35
Vehicle Financing	27	1	2	4	2	2	4	3	5	5	4	2	9	17	17	13
Advisory and Transactional Services	2	3	1	1	3	2	1	1	1	8	10	2	2	16	21	13
Other Lending Activities	4	0	0	1	0	1	1	1	1	2	1	5	1	1	1	10
Branch Banking	29	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Credit Card	2	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other banking Business	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Frequently Asked Questions

What is the revenue of Kotak Mahindra Bank Ltd.?

The latest trailing twelve month revenue of Kotak Mahindra Bank Ltd. is ₹ 77,943.70 Cr, reflecting a 1-year growth of 1.52% and a 3-year CAGR of 14.29%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Kotak Mahindra Bank Ltd.?

The latest trailing twelve month net profit (PAT) of Kotak Mahindra Bank Ltd. is ₹ 19,287.90 Cr, with a 3-year earnings CAGR of 8.86%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Kotak Mahindra Bank Ltd.?

The trailing twelve month EBITDA of Kotak Mahindra Bank Ltd. is approximately ₹ 25,624.93 Cr (based on an operating margin of 32.88%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Kotak Mahindra Bank Ltd.?

The trailing twelve month Earnings Per Share (EPS) of Kotak Mahindra Bank Ltd. is 19.39. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Kotak Mahindra Bank Ltd.?

The debt-to-equity ratio of Kotak Mahindra Bank Ltd. stands at 0.53. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Kotak Mahindra Bank Ltd.?

The estimated book value per share of Kotak Mahindra Bank Ltd. is 181.06 (derived from a P/B ratio of 2.19 and market price of ₹ 396.80), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Kotak Mahindra Bank Ltd.?

The trailing twelve month operating cash flow of Kotak Mahindra Bank Ltd. is ₹ 41,726.50 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Kotak Mahindra Bank Ltd. report consolidated or standalone financials?

Kotak Mahindra Bank Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.