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Kotak Mahindra Bank Limited KOTAKBANK NIFTY50NSEAIFINANCIAL

Financial Services · Banks - Regional · India
https://www.kotak.bank.in
Company Profile ↓
₹381.30
-13.39% 1Y
Mkt Cap₹3.79 L Cr
P/E19.66
P/B2.11
Div. Yield0.17%
52W High₹445.12
52W Low₹353.40
Book Value₹182.20
EPS (TTM)₹19.39

Company Overview

Kotak Mahindra Bank Limited provides a range of banking and financial services to corporate and individual customers in India. It operates through Treasury, BMU, and Corporate Centre; Retail Banking; Corporate/Wholesale Banking; Vehicle Financing; Other Lending Activities; Broking; Advisory and Transactional Services; Asset Management; and Insurance segments. The company offers savings, current, retail institution, corporate, and salary accounts; NRE and NRO fixed deposits and foreign currency nonresident deposits; home, personal, business, payday, gold, education, two-wheeler, commercial vehicle and equipment, home improvement, car, business, and crop loans, as well as loans against securities and properties; smart EMI services; bill payment, fund transfer, FASTag, taxes, loan/utility payment, forex and remittance, and wearable payments; working capital solutions; and forex, credit, and debit card services. It also provides investment products; life, vehicle, property, health, car, and two-wheeler insurance; domestic and international trade; international export and import; bank guarantee, letter of credit, and export credit; cash management and trade and supply chain finance; and private banking services. In addition, the company offers demat accounts, mutual funds, and portfolio investment schemes; and wire transfer, click2remit, and remittance exchange house services. Kotak Mahindra Bank Limited was incorporated in 1985 and is headquartered in Mumbai, India.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 13.5% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 19.7, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 25.4%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹75,788.53 Cr (-0.3% YoY); net profit ₹19,287.89 Cr.
  • Trailing 12 Months Year-on-year growth — revenue -0.3%, earnings -12.8%.
  • 5-Year Trend Long-term compounding — revenue CAGR 13.5%, profit CAGR 8.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:13.48%
1 Year:-0.26%

Compounded Profit Growth

5 Years:8.92%
1 Year:-12.83%

Stock Price Performance

1 Year:-13.39%
6 Months:-10.63%
3 Months:-0.60%
1 Month:-6.51%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

AI Exposure AI Banking / Digital-First AI Bank
Core Focus

Kotak's '811' is a fully digital bank with AI-driven onboarding, credit scoring and personalisation. Embedded AI in wealth management (Kotak Cherry).

Key Initiatives
  • AI in retail underwriting & risk Kotak applies ML to credit scoring, fraud detection and collections across its retail and SME lending, supporting strong asset quality.
  • Digital banking (811) AI The Kotak 811 digital bank uses AI for onboarding, personalisation and cross-sell, lowering acquisition cost.
  • Operations automation AI/RPA reduces cost-to-serve across service, KYC and back-office processes.
Why Investors Should Care
  • Conservative, high-quality private bank using AI to scale digital acquisition efficiently.
  • Strong deposit franchise and ~19% five-year revenue CAGR give AI a large base to monetise.
  • Digital (811) is the key growth engine where AI lowers unit economics.
  • Premium P/E ~21 reflects franchise quality.
AI InvestmentIT spend ~₹5,000+ Cr; aggressive digital and AI talent build.
AI RevenueNet interest income ~₹28,000 Cr. Digital cross-sell improving.
ROI (Now)ROA ~2.3%, ROE ~14-15%. Best asset quality in pvt banking.
ROI (Expected)AI super-app strategy expected to lift profitability post regulatory normalisation.

Curated from public filings and analyst commentary; figures are illustrative.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 25.4%.
  • Compounding revenue at 13.5% over 5 years.
  • Generates positive free cash flow.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
19.66
Industry PE
19.81
Forward P/E
15.82
PEG Ratio
0.94
Book Value
₹182.20
Price to Book
2.11
P/S
5.17
EV/EBITDA
-
Dividend Yield
0.17%

Growth (CAGR)

Revenue 5Y
13.48%
Profit 5Y
8.92%
Revenue (YoY)
-0.26%
Earnings (YoY)
-12.83%

Profitability & Returns

ROCE
-
ROE
10.64%
ROA
1.92%
Profit Margin
25.45%
Op Margin
35.12%
Gross Margin
0.00%
EPS (Latest Qtr)
₹5.45
EPS (TTM)
₹19.39

Balance Sheet & Liquidity

Debt/Equity
0.53
Quick Ratio
-
Current Ratio
-
Debt
₹95,393.53 Cr
Total Assets
₹10.03 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
28.25%
Chg in Prom Hold
-0.16%
FII / Inst Holding
48.65%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
₹3.79 L Cr
Total Revenue (TTM)
₹75,788.53 Cr
EBITDA
-
Free Cash Flow
₹40,668.54 Cr
Operating Cash Flow
₹41,726.51 Cr
Shares Outstanding
₹994.65 Cr
Gross Margin
0.00%
Payout Ratio
2.58%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
9 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 1,044.20 19.61 ₹1.96 L Cr 1.32% - 15.21% 13.92% 18.59%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 11,982.00 Cr12,869.00 Cr13,717.00 Cr14,495.00 Cr15,156.00 Cr15,837.00 Cr16,427.00 Cr16,776.10 Cr20,073.66 Cr19,166.18 Cr-20,458.96 Cr20,755.33 Cr
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses 10,548.00 Cr10,303.00 Cr10,136.00 Cr12,484.00 Cr14,920.00 Cr12,263.00 Cr13,094.00 Cr9,541.85 Cr12,526.06 Cr11,800.02 Cr-12,993.43 Cr13,071.07 Cr
Operating Income -------------
EBITDA -------------
Interest Expense 4,230.00 Cr4,834.00 Cr5,536.00 Cr5,985.00 Cr6,212.00 Cr6,805.00 Cr7,139.00 Cr7,169.69 Cr7,156.99 Cr7,529.33 Cr-7,384.43 Cr7,375.90 Cr
Pretax Income 5,989.00 Cr5,586.00 Cr5,888.00 Cr5,614.00 Cr6,775.00 Cr9,811.00 Cr6,647.00 Cr6,180.08 Cr6,351.10 Cr6,053.40 Cr-6,533.34 Cr7,443.21 Cr
Tax Provision 1,437.36 Cr1,452.36 Cr1,472.00 Cr1,403.50 Cr1,558.25 Cr2,452.75 Cr1,661.75 Cr1,540.45 Cr1,442.16 Cr1,624.27 Cr-1,629.34 Cr2,041.66 Cr
Net Income 4,566.00 Cr4,150.00 Cr4,461.00 Cr4,265.00 Cr5,337.00 Cr7,448.00 Cr5,044.00 Cr4,701.02 Cr4,932.76 Cr4,472.18 Cr-4,924.29 Cr5,423.15 Cr
Diluted EPS 4.604.184.494.295.377.495.07-4.964.504.494.955.45

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 13,319.00 Cr20,402.00 Cr22,324.00 Cr25,131.00 Cr29,831.00 Cr33,474.00 Cr32,820.00 Cr-51,857.25 Cr69,669.60 Cr75,984.46 Cr75,788.53 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 9,718.00 Cr11,541.00 Cr14,832.00 Cr16,805.00 Cr19,758.00 Cr22,578.00 Cr29,812.00 Cr-32,079.59 Cr44,311.18 Cr43,726.93 Cr46,142.07 Cr
Operating Income ------------
EBITDA ------------
Interest Expense 6,966.00 Cr11,123.00 Cr11,458.00 Cr12,467.00 Cr15,187.00 Cr15,901.00 Cr12,967.00 Cr-14,411.13 Cr22,567.24 Cr28,270.91 Cr29,619.98 Cr
Pretax Income 4,550.00 Cr5,024.00 Cr7,332.00 Cr9,158.00 Cr10,576.00 Cr11,422.00 Cr13,168.00 Cr-19,646.19 Cr23,863.38 Cr28,989.02 Cr25,992.72 Cr
Tax Provision 1,501.50 Cr1,607.68 Cr2,346.24 Cr3,022.14 Cr3,490.08 Cr2,855.50 Cr3,292.00 Cr-4,865.74 Cr5,886.55 Cr7,043.29 Cr6,812.10 Cr
Net Income 3,105.00 Cr3,524.00 Cr5,019.00 Cr6,258.00 Cr7,204.00 Cr8,593.00 Cr9,990.00 Cr-14,925.01 Cr18,213.21 Cr22,125.99 Cr19,287.89 Cr
Diluted EPS 3.943.775.376.517.558.9810.08-14.9918.2922.2619.39

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 1.48 L Cr2.41 L Cr2.76 L Cr3.38 L Cr3.95 L Cr4.43 L Cr4.79 L Cr-6.20 L Cr7.68 L Cr8.80 L Cr10.03 L Cr
Current Assets ------------
Cash & Equivalents --------47,469.83 Cr68,460.24 Cr81,112.72 Cr1.03 L Cr
Inventory ------------
Receivables --------10,936.82 Cr13,810.01 Cr12,963.72 Cr16,815.99 Cr
Total Liabilities --------5.08 L Cr6.38 L Cr7.22 L Cr8.22 L Cr
Current Liabilities ------------
Long Term Debt ------------
Total Debt --------52,333.92 Cr75,105.61 Cr86,751.03 Cr95,393.53 Cr
Total Equity 22,156.00 Cr33,364.00 Cr38,492.00 Cr50,488.00 Cr57,781.00 Cr66,637.00 Cr84,339.00 Cr-1.12 L Cr1.30 L Cr1.57 L Cr1.81 L Cr
Shares Outstanding --------993.28 Cr993.96 Cr994.11 Cr994.65 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 2,302.00 Cr5,025.00 Cr13,222.00 Cr-10,392.00 Cr1,822.00 Cr46,619.00 Cr4,881.00 Cr--1,242.43 Cr15,685.00 Cr16,915.73 Cr41,726.51 Cr
Investing Cash Flow -4,467.00 Cr-2,353.00 Cr-5,289.00 Cr-5,475.00 Cr-3,323.00 Cr-13,068.00 Cr-11,172.00 Cr--10,550.18 Cr-9,096.93 Cr-25,272.08 Cr-16,519.14 Cr
Financing Cash Flow 2,426.00 Cr2,024.00 Cr6,055.00 Cr14,679.00 Cr8,365.00 Cr-735.00 Cr-10,072.00 Cr-1,883.00 Cr15,515.11 Cr22,165.20 Cr-2,538.43 Cr
Capital Expenditure -268.00 Cr-311.00 Cr-382.00 Cr-366.00 Cr-491.00 Cr-413.00 Cr-300.00 Cr--986.76 Cr-1,126.69 Cr-1,212.85 Cr-1,057.97 Cr
Free Cash Flow 2,034.00 Cr4,714.00 Cr12,840.00 Cr-10,758.00 Cr1,331.00 Cr46,206.00 Cr4,581.00 Cr--2,229.19 Cr14,558.31 Cr15,702.89 Cr40,668.54 Cr
Net Change in Cash 260.00 Cr4,696.00 Cr13,989.00 Cr-1,188.00 Cr6,864.00 Cr32,815.00 Cr-16,363.00 Cr--9,909.60 Cr22,244.52 Cr13,808.86 Cr22,668.95 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 23.3%17.3%22.5%24.9%24.1%25.7%30.4%-28.8%26.1%29.1%25.4%
ROE % 14.0%10.6%13.0%12.4%12.5%12.9%11.8%-13.3%14.0%14.0%10.6%
ROCE % ------------

Shareholding Pattern

Insiders
28.25%
Institutions
48.65%
Public Float
67.81%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for KOTAKBANK

Google News Sun, 28 Jun 2026

Kotak Mahindra Bank stock falls 2% as CEO succession weighs; brokerages bullish on long-term outlook - TradingView

<a href="https://news.google.com/rss/articles/CBMi8wFBVV95cUxPTUR2WktsbTVUSjBoa0xzZk5tWlhqUG5sSlBuSkxFSkdCR3hWU1FoRlhxQVVDMW1FSmJNNlJlY2JNaFdnR2ZzNVFrQTIyU2JRTTdUcjVPQ1pkTS1pazNoOXk4R24xM2kwU1RCdVBFMlBENVNLOXhSd3E3Q19OLW5FaG9qLVI0OWU0b2dtbV…

Google News Fri, 10 Jul 2026

KOTAKBANK Outlook for the Week (July 13, 2026 – July 17, 2026) - Equitypandit

<a href="https://news.google.com/rss/articles/CBMibEFVX3lxTFBZM1RlazR5b0JEdnBIWTVRQUZtZ2ZnM0t4anJ5MzZLWWctQVJTbEEtSGh2Z0tBWUFMcE5SWjZGYkN2Z040VzMtZGxleUh0OHhKa3VmZXJ2NW9oTzJGWGt3Y2VYd0Nodl9hSlRGMw?oc=5" target="_blank">KOTAKBANK Outlook for…

Google News Fri, 21 Nov 2025

India's Kotak Mahindra Bank announces first stock split in 15 years - Reuters

<a href="https://news.google.com/rss/articles/CBMikAFBVV95cUxOVWhVVHRMSnBGS1A0RXB3djhrWV9PcEVJN05VRGUxcVYxbVVoUFQzblR2QWpuOEtSLUxQNFZESFhIYTNHLWY3dGxPTGtxOE01dzlGVVZDU2dHQzlIMVJxQVNYWFJMeWNYbUZUVVJ1UHBZT3ZZalZRYlRPdG15OVFhRks0MEJGYzhjWjhERn…

Google News Wed, 01 Jul 2026

Kotak Mahindra Bank stock rises as brokerages bullish after Deutsche Bank India retail business... - Moneycontrol.com

<a href="https://news.google.com/rss/articles/CBMiggJBVV95cUxPMmtmOGh6cWl3WHBPWlBpaGU4ZkxYQktFTlJBanJlS29VOXVoS2F1UUpRVk90YTFyRWo0eFRHZWxSRUl1blNhTkEyTGEtSW9qdUUzOXNmWnVweVMtbTBVWjBBWjU3Z08waVZxdjVsQkVRS3AzOEdQZ3JkZjJUVEZzWVNyUmJXQ05LX3hGc0…

Google News Mon, 29 Jun 2026

Kotak Mahindra Bank Shares Fall 2% after CEO Ashok Vaswani Announces Exit - outlookbusiness.com

<a href="https://news.google.com/rss/articles/CBMisgFBVV95cUxQYkpNRXlIWEpKNTF2T1JUMkVBWFF3N1l2SnRCdDFNUmVCYWFlLVFITlJHVHgyX19IYzN3ZzM4UUFIYWxlaFl6SEhSTTZmRmxoc2p4aVZhMzZlblE5SW00WlRTRnR5M016VjlQc1JBbmZoOFJmRG54M25NU2tUSEZLV2dpUmwxWTZzMkFuTW…

Google News Mon, 29 Jun 2026

Kotak Mahindra Bank shares down over 3% - The Hindu

<a href="https://news.google.com/rss/articles/CBMiogFBVV95cUxQLW1UVHdkd0lMaXFzUHZlR1BlQmpOdS02eGtNZGh6MXdCTC1laG5KbG0yU1pXN2FPazk3VzRtZmFkVjVQQzBWNllUMVhhaFRsTDdtSnQzcG9QZ3VLNEdReWVsRVlQRTlSNDNqdTNZXzU0bmRpdkgwNzRvYzgzeXI0ZDdkRklmUTNrZG1Ia0…

KOTAKBANK — Frequently Asked Questions

What is the current share price of Kotak Mahindra Bank Limited (KOTAKBANK)?

As of 2026-07-15 09:52 IST, Kotak Mahindra Bank Limited (KOTAKBANK) trades at ₹381.30 on NSE. Its 52-week range is ₹353.40 to ₹445.12.

What is the market capitalisation of KOTAKBANK?

Kotak Mahindra Bank Limited (KOTAKBANK) has a market capitalisation of ₹3.79 L Cr on NSE.

What is the P/E ratio of KOTAKBANK?

KOTAKBANK trades at a trailing price-to-earnings (P/E) ratio of 19.66. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 2.11.

Does KOTAKBANK pay a dividend?

Kotak Mahindra Bank Limited (KOTAKBANK) currently offers a dividend yield of 0.17%.

What is the return on equity (ROE) of KOTAKBANK?

KOTAKBANK has a return on equity (ROE) of 10.64%.

Is KOTAKBANK a good stock to buy?

This page provides a data-driven analysis of Kotak Mahindra Bank Limited (KOTAKBANK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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