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Kotak Mahindra Bank Ltd. Engages in the provision of commercial banking services. The company is headquartered in Mumbai, Maharashtra and currently employs 73,481 full-time employees. The firm is primarily engaged in financing of passenger cars and multi-utility vehicles for retail customers and inventory and term funding to car dealers. The firm operates through three segments: Vehicle Financing, Other Lending activities, and Treasury and Investment activities. The Vehicle Financing segment is engaged in the retail vehicle finance, wholesale dealer finance and consumer durable finance. The Other Lending activities segment is engaged in the financing against securities, securitization, debenture investment / lending in commercial real estate and other loans / fee-based services. The Treasury and Investment activities segment is engaged in the proprietary trading in shares and strategic investments. Its products include Home Loan, Personal Loan, Savings Account, National Pension Scheme (NPS), Business Loan, Life Insurance, Fixed Deposit, Recurring Deposit, Loan against property.
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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹40,161 Cr on total income of ₹124,125 Cr.
Cost-to-income ratio at 62.1%. Provision coverage at 3.1% of income.
“Credit costs are down sequentially from 93 basis points in Q1 to 79 basis points in Q2 and now 63 basis points in Q3.”
“we expect the credit cost to further gradually go down and the time continuing during Q1.”
“we expect normalization of credit cost to continue though at a more moderated pace.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 10.7%▼ | 11.5% |
| Net Margin | 15.4%▲ | 12.1% |
| EBITDA Margin | 51.7%▼ | 67.3% |
| Debt To Equity | 3.13x▼ | 8.01x |
| Rev Growth 3yr | 16.5%▲ | 14.4% |
| EPS Growth 3yr | 8.9%▼ | 23.3% |
| NIM | 7.1%▼ | 390.0% |
| Cost To Income | 62.1% | - |
| Credit Deposit Ratio | 99.80x | 83.00x |
No related party data available for this company.
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| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹51,257 Cr +8.3% | ₹47,308 Cr +15.8% | ₹40,866 Cr +33.0% | ₹30,735 Cr +36.0% | ₹22,603 Cr +4.5% | ₹21,621 Cr -13.1% | ₹24,877 Cr +11.7% | ₹22,266 Cr |
| Income on Investments | ₹16,563 Cr +3.6% | ₹15,990 Cr +20.3% | ₹13,297 Cr +34.4% | ₹9,894 Cr +3.1% | ₹9,595 Cr +3.5% | ₹9,275 Cr +26.6% | ₹7,327 Cr +13.7% | ₹6,444 Cr |
| ₹40,041 Cr +7.0% | ₹37,407 Cr -1.7% | ₹38,037 Cr +47.3% | ₹25,830 Cr +2.7% | ₹25,142 Cr +5.3% | ₹23,884 Cr +42.0% | ₹16,826 Cr +5.4% | ₹15,969 Cr | |
| Total Income | ₹1.11 Lakh Cr +7.6% | ₹1.03 Lakh Cr +9.3% | ₹94,274 Cr +38.7% | ₹67,981 Cr +15.5% | ₹58,883 Cr +3.8% | ₹56,704 Cr +12.7% | ₹50,300 Cr +9.6% | ₹45,903 Cr |
| Interest Expended | ₹29,795 Cr +5.4% | ₹28,275 Cr +25.3% | ₹22,567 Cr +56.6% | ₹14,411 Cr +24.7% | ₹11,553 Cr -10.9% | ₹12,967 Cr -18.5% | ₹15,901 Cr +4.7% | ₹15,187 Cr |
| Employee Cost | ₹13,154 Cr +10.0% | ₹11,964 Cr +15.6% | ₹10,347 Cr +22.0% | ₹8,479 Cr +18.7% | ₹7,141 Cr +21.9% | ₹5,856 Cr +1.7% | ₹5,756 Cr +18.7% | ₹4,851 Cr |
| Other Operating Expenses | ₹37,554 Cr +11.1% | ₹33,793 Cr -4.9% | ₹35,524 Cr +42.1% | ₹25,005 Cr +6.5% | ₹23,469 Cr +9.4% | ₹21,453 Cr +46.3% | ₹14,663 Cr +2.9% | ₹14,245 Cr |
| Provisions & Contingencies | ₹3,344 Cr -13.3% | ₹3,859 Cr +95.7% | ₹1,972 Cr +348.6% | ₹440 Cr -43.0% | ₹772 Cr -76.3% | ₹3,260 Cr +27.4% | ₹2,558 Cr +144.7% | ₹1,045 Cr |
| Total Expenditure | ₹80,504 Cr +8.7% | ₹74,031 Cr +8.2% | ₹68,438 Cr +42.9% | ₹47,895 Cr +13.6% | ₹42,163 Cr +4.7% | ₹40,276 Cr +10.9% | ₹36,320 Cr +5.9% | ₹34,282 Cr |
| Profit Before Tax | ₹27,448 Cr -5.3% | ₹28,989 Cr +21.5% | ₹23,863 Cr +21.5% | ₹19,646 Cr +23.2% | ₹15,948 Cr +21.1% | ₹13,168 Cr +15.3% | ₹11,422 Cr +8.0% | ₹10,576 Cr |
| Exceptional Items | ₹368 Cr -90.3% | ₹3,803 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Tax | ₹7,210 Cr +2.4% | ₹7,043 Cr +19.7% | ₹5,887 Cr +21.0% | ₹4,866 Cr +21.1% | ₹4,016 Cr +23.0% | ₹3,265 Cr +16.0% | ₹2,815 Cr -18.6% | ₹3,456 Cr |
| Net Profit | ₹20,239 Cr -7.8% | ₹21,946 Cr +22.1% | ₹17,977 Cr +21.6% | ₹14,780 Cr +23.9% | ₹11,932 Cr +20.5% | ₹9,903 Cr +15.1% | ₹8,607 Cr +20.9% | ₹7,120 Cr |
| Profit (Owners) | ₹20,296 Cr -8.3% | ₹22,126 Cr +21.5% | ₹18,213 Cr +22.0% | ₹14,925 Cr +23.5% | ₹12,089 Cr +21.0% | ₹9,990 Cr +16.3% | ₹8,593 Cr +19.3% | ₹7,204 Cr |
| EPS | ₹20.40 | ₹22.26 | ₹18.32 | ₹15.03 | ₹12.18 | ₹10.08 | ₹8.98 | ₹7.55 |
| Diluted Shares | ₹995 Cr | ₹994 Cr | ₹994 Cr | ₹993 Cr | ₹992 Cr | ₹991 Cr | ₹957 Cr | ₹954 Cr |
| Other Interest | ₹735 Cr +32.1% | ₹556 Cr +4.7% | ₹532 Cr +8.0% | ₹492 Cr -8.5% | ₹538 Cr +21.3% | ₹443 Cr +0.3% | ₹442 Cr -9.7% | ₹490 Cr |
| Non Performing Assets | ₹5,554 Cr +217.1% | ₹1,752 Cr +11.8% | ₹1,567 Cr +6.0% | ₹1,479 Cr -31.2% | ₹2,149 Cr -30.8% | ₹3,106 Cr +78.0% | ₹1,745 Cr +2.9% | ₹1,696 Cr |
| Profit Loss Of Associates | ₹58 Cr -68.0% | ₹180 Cr -23.7% | ₹236 Cr +63.5% | ₹145 Cr -8.2% | ₹158 Cr +80.4% | ₹87 Cr ↑ Recovery | (₹14 Cr) ↓ Decline | ₹84 Cr |
| Gross Non Performing Assets | ₹21,601 Cr +203.7% | ₹7,112 Cr +18.5% | ₹6,003 Cr -6.5% | ₹6,419 Cr -12.5% | ₹7,334 Cr -11.4% | ₹8,276 Cr +50.8% | ₹5,488 Cr +14.6% | ₹4,789 Cr |
| Interest (RBI & Others) | ₹2,332 Cr +28.5% | ₹1,814 Cr +17.6% | ₹1,542 Cr +49.8% | ₹1,029 Cr +2.5% | ₹1,004 Cr -32.2% | ₹1,481 Cr +78.9% | ₹828 Cr +12.6% | ₹735 Cr |
Kotak Mahindra Bank Limited has informed the Exchange about Transcript
Newspaper Clipping - Special Window for Transfer and Dematerialisation of Physical Securities of the Bank
Kotak Mahindra Bank Limited has informed the Exchange about Link of Recording
Kotak Mahindra Bank Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
Revised Media Release on the Consolidated and Standalone Unaudited Financial Results of the Bank for the quarter ended June 30, 2026
Kotak Mahindra Bank Limited has informed the Exchange regarding a press release dated July 18, 2026, titled "Media Release on the Consolidated and Standalone Unaudited Financial Results of the Bank fo...
Investor Presentation for Earnings Conference Call on the Consolidated and Standalone Unaudited Financial Results of the Bank for the quarter ended June 30, 2026
Kotak Mahindra Bank Limited has submitted to the Exchange, the financial results for the period ended June 30, 2026.
Kotak Mahindra Bank Limited has informed the Exchange regarding Allotment of 661620 Shares.
Kotak Mahindra Bank Limited has informed the Exchange about Schedule of meet
Kotak Mahindra Bank Limited has informed the Exchange about Copy of Newspaper Publication
Kotak Mahindra Bank Limited has informed the Exchange about Business Responsibility and Sustainability Report.
Kotak Mahindra Bank Limited has informed the Exchange about Integrated Annual Report 2025-26 and Notice of Annual General Meeting.
Kotak Mahindra Bank Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on August 01, 2026
Kotak Mahindra Bank Limited has informed the Exchange about Copy of Newspaper Publication