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    Banks - Regional
Kotak Mahindra Bank Limited

Kotak Mahindra Bank Limited

KOTAKBANK.BO
Kotak Mahindra Bank LimitedIN flagBombay Stock Exchange
377.80
INR
+0.75
- -
3.76TMarket Cap
Kotak Mahindra Bank Limited
KOTAKBANK.BO
(Bombay Stock Exchange)

Recent

price

377.80

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
11.64
11.04
12.99
13.73
18.37
17.83
23.73
26.73
31.24
34.9
43.28
46.36
52.23
70.11
75.21
- -
60.71
Revenue per Share
2.17
2.48
2.94
3.22
3.95
3.78
5.38
6.54
7.52
8.95
10.11
12.15
14.99
18.29
22.26
- -
14.9
Basic EPS, GAAP
-2.61
-1.88
3.57
11.26
2.61
5.14
13.95
-11.41
1.36
48.34
4.58
7.7
-2.25
14.65
15.8
- -
- -
Free Cash Flow per Basic Share
0.05
0.06
0.07
0.08
0.09
0.11
0.12
0.15
0.2
0.24
0.04
0.22
0.26
0.34
0.4
- -
- -
Dividend per Share
0.51
9.03
11.11
13.19
15.89
18.74
22.94
27.3
32.89
39.15
45.21
53.93
64.99
76.48
91.58
- -
1
Book Value per Share
15.4
17.73
20.82
25.27
29.16
36.91
42.42
52.42
59.75
68.92
84.84
96.67
111.8
129.85
157.49
- -
181.26
Tangible Book Value per Share
7,210
7,386
7,433
7,658
7,711
9,146
9,186
9,480
9,534
9,551
9,845
9,915
9,928
9,937
9,940
- -
9,946
Basic Weighted Avg Shares
83,947
81,518
96,579
105,154
141,682
163,038
217,970
253,367
297,846
333,357
426,143
459,724
518,573
696,696
747,583
780,154
603,805
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2,713
1,643
1,790
2,079
2,369
3,445
3,622
3,834
4,584
4,649
4,611
4,804
5,993
7,918
9,409
10,319
- -
Depreciation Expense
15,667
18,322
21,885
24,650
30,455
34,588
49,404
62,010
72,041
85,934
99,902
120,894
149,250
182,132
221,260
192,879
148,196
Net Income, GAAP
- -
29.95
29.58
31.9
32.35
31.13
32.19
32.88
48.54
32.7
32.97
33.66
24.77
24.67
24.3
26.21
26.44
Effective Tax Rate (%)
18.66
22.48
22.66
23.44
21.5
21.21
22.67
24.47
24.19
25.78
23.44
26.3
28.78
26.14
29.6
24.72
24.54
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
220,733
235,852
276,551
248,538
296,514
421,628
491,899
572,290
648,099
651,897
477,389
551,599
523,339
751,056
867,510
953,935
953,935
LT Debt
111,071
130,959
154,760
193,554
224,920
337,597
389,671
504,882
582,818
671,370
848,386
971,653
1,123,144
1,299,717
1,574,893
1,812,259
1,812,259
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
437.29
52.09
29.33
26.85
27.25
23.54
25.86
26.41
25.06
24.86
24.3
24.59
25.23
25.87
26.49
41.92
32.21
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
9,943
- -
9,946
Market Capitalization
3,965,382
4,377,125
3,512,939

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
- -
1,020,911
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
18.41%
16.42%
15.07%
Free Cash Flow
259.83%
-129.23%
158.99%
Net Income, GAAP
19.52%
15.03%
-12.83%
Sales/Revenue/Turnover
17.39%
13.34%
4.36%
Total Cash Common Dividend
- -
22.83%
25.02%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
158,898
160,240
180,977
196,581
696,696
2025
182,706
197,504
167,761
200,737
747,583
2026
191,662
- -
204,590
207,553
780,154

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4.18
4.49
4.29
- -
18.29
2025
7.49
5.07
4.73
4.96
22.26
2026
4.5
- -
4.95
5.45
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.34
2025
- -
- -
- -
- -
0.4
2026
- -
- -
- -
- -
- -
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Business
Kotak Mahindra Bank Limited (KOTAKBANK.BO), headquartered in Mumbai and founded in 1985 by Uday Kotak as a non-banking financial company before converting to a full-service bank in 2003, provides a comprehensive range of banking and financial services to retail, corporate, and commercial customers primarily in India with international presence in locations including Dubai, London, New York, and Abu Dhabi; its core offerings encompass consumer banking products such as savings accounts, fixed deposits, personal loans, home loans, car loans, credit cards, and digital banking platforms including the Kotak 811 zero-balance online savings account; commercial banking solutions like working capital finance, trade finance, and loans for small and medium enterprises; corporate banking services including term loans, project finance, and cash management; treasury operations in foreign exchange, derivatives, and government securities; investment banking through Kotak Investment Banking encompassing mergers and acquisitions advisory, equity capital markets, and initial public offerings; wealth management and asset management via Kotak Mahindra Asset Management Company with mutual funds, portfolio management services, and alternative investment funds; stock broking through Kotak Securities; life insurance via Kotak Mahindra Life Insurance; and general insurance through Kotak Mahindra General Insurance until its majority stake sale. The bank operates over 1,800 branches and 3,200 ATMs across India as of late 2025. Recent developments include the October 2024 agreement to acquire Standard Chartered Bank's Rs 4,100 crore personal loan portfolio to bolster its unsecured lending in the salaried affluent segment pending regulatory approvals; the February 2024 announcement of Zurich Insurance Group's Rs 5,560 crore acquisition of a 70% stake in Kotak Mahindra General Insurance; the September 2025 Memorandum of Understanding with India's Department for Promotion of Industry and Internal Trade to deliver customized banking, loans, digital payments, and mentorship for DPIIT-recognized startups; and the October 2025 launch of Season 2 of the Kotak BizLabs accelerator programme in partnership with IIT Delhi, IIM Bangalore, and others to support over 75 early-stage startups in sectors like fintech, agritech, healthtech, and sustainability through funding, mentorship, and market access in Tier-II and Tier-III cities.