Kotak Mahindra Bank Ltd
KOTAKBANK
Banks
₹ 1,972
Price
₹ 392,256
Market Cap
Large Cap
20.48
P/E Ratio
📊 Score Snapshot
6.27 / 25
Performance
20.55 / 25
Valuation
0.2 / 20
Growth
7.0 / 30
Profitability
34.02 / 100
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🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 100.40 | 102.73 | -16.83 | 40.77 | 31.42 | 223.27 | 7.06 | -57.80 |
| Adj Cash PAT | 19,961 | 20,421 | -3,343 | 8,091 | 6,227 | 42,711 | 1,348 | -10,959 |
| Adj Cash PAT To PAT | 0.90 | 1.12 | -0.22 | 0.67 | 0.62 | 4.96 | 0.19 | -1.74 |
| Adj Cash PE | 21.41 | 17.38 | - | 43.68 | 57.69 | 5.11 | 191.17 | - |
| Adj EPS | 111.47 | 91.65 | 75.17 | 61.01 | 50.56 | 45.03 | 37.82 | 32.71 |
| Adj Number Of Shares | 198.81 | 198.79 | 198.66 | 198.47 | 198.17 | 191.30 | 190.89 | 190.57 |
| Adj PE | 19.28 | 19.48 | 23.06 | 29.17 | 35.79 | 25.40 | 35.39 | 34.39 |
| Adj Peg | 0.89 | 0.89 | 0.99 | 1.41 | 2.91 | 1.33 | 2.27 | 1.59 |
| Bvps | 792.16 | 653.82 | 565.36 | 489.57 | 428.11 | 350.95 | 305.31 | 264.93 |
| Cash Revenue | 65,669 | 112,474 | 84,302 | 67,482 | 65,640 | 66,948 | 59,662 | 50,262 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 0.10 | 0.10 | 0.09 | 0.07 | 0.06 | - | 0.06 | 0.06 |
| Fcfe | 42,270 | 35,741 | -1,831 | 15,341 | -11,451 | 41,901 | 9,129 | -12,353 |
| Fcfe Margin | 64.37 | 31.78 | -2.17 | 22.73 | -17.45 | 62.59 | 15.30 | -24.58 |
| Fcfe To Adj PAT | 1.91 | 1.96 | -0.12 | 1.27 | -1.14 | 4.86 | 1.26 | -1.96 |
| Market Cap | 426,626 | 354,870 | 344,248 | 352,612 | 357,608 | 218,245 | 255,020 | 213,286 |
| PB | 2.71 | 2.73 | 3.07 | 3.63 | 4.22 | 3.25 | 4.38 | 4.22 |
| PE | 19.28 | 19.48 | 23.06 | 29.17 | 35.80 | 25.40 | 35.40 | 34.39 |
| Peg | 0.90 | 0.89 | 0.99 | 1.40 | 2.93 | 1.34 | 2.22 | 1.62 |
| PS | 6.50 | 3.16 | 4.08 | 5.23 | 5.45 | 3.26 | 4.27 | 4.24 |
| ROE | 15.42 | 15.04 | 14.26 | 13.31 | 13.19 | 13.74 | 13.27 | 14.06 |
| Share Price | 2,146 | 1,785 | 1,733 | 1,777 | 1,805 | 1,141 | 1,336 | 1,119 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 17,199 | 17,248 | 16,772 | 33,266 | 32,854 | 31,674 | 30,312 | 28,990 | 27,434 | 25,738 | 23,964 | 22,022 | 19,988 | 18,328 |
| Interest | 7,333 | 7,529 | 7,160 | 7,171 | 7,139 | 6,805 | 6,212 | 5,985 | 5,536 | 4,834 | 4,230 | 3,802 | 3,375 | 3,004 |
| Expenses - | 11,606 | 13,121 | 13,664 | 10,595 | 13,094 | 12,263 | 14,920 | 12,484 | 10,136 | 10,303 | 10,548 | 9,345 | 9,313 | 4,879 |
| Financing Profit | -1,740 | -3,402 | -4,051 | -1,133 | -3,806 | -3,231 | -5,976 | -3,975 | -1,955 | -2,269 | -2,796 | -2,136 | -2,694 | 1,281 |
| Financing Margin % | -10.12 | -19.72 | -24.15 | -3.41 | -11.58 | -10.20 | -19.71 | -13.71 | -7.13 | -8.82 | -11.67 | -9.70 | -13.48 | 6.99 |
| Other Income - | 7,703 | 9,456 | 10,402 | 7,313 | 10,453 | 9,239 | 12,751 | 9,588 | 7,843 | 7,855 | 8,785 | 7,360 | 7,441 | 2,405 |
| Exceptional Items | - | - | - | - | - | 3,803 | - | - | - | - | - | - | - | - |
| Depreciation | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Profit Before Tax | 5,963 | 6,053 | 6,351 | 6,180 | 6,647 | 9,811 | 6,775 | 5,614 | 5,888 | 5,586 | 5,989 | 5,224 | 4,747 | 3,686 |
| Tax % | 25.07 | 26.12 | 22.33 | 23.93 | 24.12 | 24.09 | 21.23 | 24.03 | 24.24 | 25.71 | 23.76 | 23.53 | 23.99 | 25.26 |
| Net Profit - | 4,468 | 4,472 | 4,933 | 4,701 | 5,044 | 7,448 | 5,337 | 4,265 | 4,461 | 4,150 | 4,566 | 3,995 | 3,608 | 2,755 |
| Profit From Associates | 22.00 | 43.00 | 24.00 | 61.00 | 46.00 | 49.00 | 95.00 | 62.00 | 38.00 | 41.00 | 37.00 | 36.00 | 29.00 | 43.00 |
| Exceptional Items At | - | - | - | - | - | 2,868 | - | - | - | - | - | - | - | - |
| Profit Excl Exceptional | 4,468 | 4,472 | 4,933 | 4,701 | 5,044 | 4,580 | 5,337 | 4,265 | 4,461 | 4,150 | 4,566 | 3,995 | 3,608 | 2,755 |
| Profit For PE | 4,468 | 4,472 | 4,933 | 4,701 | 5,044 | 4,580 | 5,337 | 4,265 | 4,461 | 4,150 | 4,566 | 3,995 | 3,608 | 2,755 |
| Profit For EPS | 4,468 | 4,472 | 4,933 | 4,701 | 5,044 | 7,448 | 5,337 | 4,265 | 4,461 | 4,150 | 4,566 | 3,995 | 3,608 | 2,755 |
| EPS In Rs | 22.47 | 22.49 | 24.81 | 23.64 | 25.37 | 37.47 | 26.85 | 21.46 | 22.45 | 20.88 | 22.99 | 20.12 | 18.17 | 13.88 |
| PAT Margin % | 25.98 | 25.93 | 29.41 | 14.13 | 15.35 | 23.51 | 17.61 | 14.71 | 16.26 | 16.12 | 19.05 | 18.14 | 18.05 | 15.03 |
| PBT Margin | 34.67 | 35.09 | 37.87 | 18.58 | 20.23 | 30.97 | 22.35 | 19.37 | 21.46 | 21.70 | 24.99 | 23.72 | 23.75 | 20.11 |
| Tax | 1,495 | 1,581 | 1,418 | 1,479 | 1,603 | 2,363 | 1,438 | 1,349 | 1,427 | 1,436 | 1,423 | 1,229 | 1,139 | 931.00 |
| Yoy Profit Growth % | -11.00 | -2.00 | -8.00 | 10.00 | 13.00 | 10.00 | 17.00 | 7.00 | 24.00 | 51.00 | 17.00 | 17.00 | 21.00 | 53.00 |
| Adj PAT | 4,468 | 4,472 | 4,933 | 4,701 | 5,044 | 10,335 | 5,337 | 4,265 | 4,461 | 4,150 | 4,566 | 3,995 | 3,608 | 2,755 |
| Adj PAT Margin | 25.98 | 25.93 | 29.41 | 14.13 | 15.35 | 32.63 | 17.61 | 14.71 | 16.26 | 16.12 | 19.05 | 18.14 | 18.05 | 15.03 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 65,669 | 112,474 | 84,302 | 67,482 | 65,640 | 66,948 | 59,662 | 50,262 | 44,648 | 40,804 | 26,638 | 23,972 |
| Interest | 28,275 | 22,567 | 14,411 | 11,554 | 12,967 | 15,901 | 15,187 | 12,467 | 11,458 | 11,123 | 6,966 | 6,312 |
| Expenses - | 48,891 | 47,052 | 33,485 | 30,699 | 29,812 | 22,578 | 19,758 | 16,805 | 14,832 | 11,541 | 9,718 | 7,053 |
| Financing Profit | -11,496 | -13,382 | -5,746 | -8,512 | -9,958 | -5,005 | -5,114 | -4,141 | -3,965 | -2,263 | -3,366 | -1,379 |
| Financing Margin % | -17.51 | -11.90 | -6.82 | -12.61 | -15.17 | -7.48 | -8.57 | -8.24 | -8.88 | -5.55 | -12.64 | -5.75 |
| Other Income - | 41,380 | 38,030 | 25,980 | 24,915 | 23,549 | 16,862 | 16,126 | 13,635 | 11,646 | 7,626 | 8,137 | 5,280 |
| Exceptional Items | 46.00 | 7.00 | 11.00 | 26.00 | 39.00 | 29.00 | 22.00 | 47.00 | 14.00 | 5.00 | 15.00 | 2.00 |
| Depreciation | 941.00 | 792.00 | 599.00 | 480.00 | 461.00 | 465.00 | 458.00 | 383.00 | 362.00 | 345.00 | 237.00 | 208.00 |
| Profit Before Tax | 28,989 | 23,863 | 19,646 | 15,948 | 13,168 | 11,422 | 10,576 | 9,158 | 7,332 | 5,024 | 4,550 | 3,695 |
| Tax % | 23.67 | 23.68 | 24.03 | 24.20 | 24.13 | 24.77 | 31.88 | 31.67 | 31.55 | 29.86 | 31.76 | 31.61 |
| Net Profit - | 22,126 | 18,213 | 14,925 | 12,089 | 9,990 | 8,593 | 7,204 | 6,258 | 5,019 | 3,524 | 3,105 | 2,527 |
| Profit From Associates | 180.00 | 236.00 | 145.00 | 158.00 | 87.00 | -14.00 | 84.00 | 111.00 | 70.00 | 93.00 | 40.00 | 16.00 |
| Minority Share | - | - | - | - | - | - | - | -57.00 | -79.00 | -65.00 | -60.00 | -62.00 |
| Exceptional Items At | 34.00 | 5.00 | 8.00 | 20.00 | 28.00 | 22.00 | 15.00 | 32.00 | 9.00 | 3.00 | 10.00 | 1.00 |
| Profit Excl Exceptional | 22,092 | 18,208 | 14,917 | 12,070 | 9,962 | 8,572 | 7,190 | 6,226 | 5,010 | 3,521 | 3,095 | 2,526 |
| Profit For PE | 22,092 | 18,208 | 14,917 | 12,070 | 9,962 | 8,572 | 7,190 | 6,170 | 4,931 | 3,456 | 3,035 | 2,464 |
| Profit For EPS | 22,126 | 18,213 | 14,925 | 12,089 | 9,990 | 8,593 | 7,204 | 6,201 | 4,940 | 3,459 | 3,045 | 2,465 |
| EPS In Rs | 111.29 | 91.62 | 75.13 | 60.91 | 50.41 | 44.92 | 37.74 | 32.54 | 26.84 | 18.86 | 19.72 | 16.00 |
| Dividend Payout % | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | - | 2.00 | 2.00 | 2.00 | 3.00 | 2.00 | 2.00 |
| PAT Margin % | 33.69 | 16.19 | 17.70 | 17.91 | 15.22 | 12.84 | 12.07 | 12.45 | 11.24 | 8.64 | 11.66 | 10.54 |
| PBT Margin | 44.14 | 21.22 | 23.30 | 23.63 | 20.06 | 17.06 | 17.73 | 18.22 | 16.42 | 12.31 | 17.08 | 15.41 |
| Tax | 6,863 | 5,650 | 4,721 | 3,859 | 3,178 | 2,829 | 3,372 | 2,900 | 2,313 | 1,500 | 1,445 | 1,168 |
| Adj PAT | 22,161 | 18,218 | 14,933 | 12,109 | 10,020 | 8,615 | 7,219 | 6,290 | 5,029 | 3,528 | 3,115 | 2,528 |
| Adj PAT Margin | 33.75 | 16.20 | 17.71 | 17.94 | 15.26 | 12.87 | 12.10 | 12.51 | 11.26 | 8.65 | 11.69 | 10.55 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 4,597 | 3,839 | - | 3,322 | 3,151 | 2,898 | 2,639 | 2,513 | 2,684 |
| Average Total Assets | - | 823,720 | 694,048 | - | 583,464 | 512,676 | 461,014 | 419,172 | 366,446 | 306,954 |
| Average Total Equity | - | 143,730 | 121,143 | - | 104,740 | 91,002 | 75,988 | 62,709 | 54,384 | 44,727 |
| Borrowing | 82,700 | 97,622 | 75,106 | - | 57,534 | 55,660 | 48,239 | 66,077 | 66,939 | 58,604 |
| Cash Equivalents | 36,630 | 40,006 | 34,261 | - | 18,083 | 34,285 | 11,038 | 7,783 | 9,656 | 7,704 |
| Deposits | 524,500 | 494,707 | 445,269 | - | 361,273 | 310,087 | 278,871 | 260,400 | 224,824 | 191,236 |
| Fixed Assets | 2,838 | 3,759 | 3,510 | - | 3,075 | 2,723 | 2,554 | 2,675 | 2,697 | 2,543 |
| Gross Block | - | 8,356 | 7,349 | - | 6,397 | 5,874 | 5,452 | 5,314 | 5,210 | 5,227 |
| Investments | 284,843 | 284,255 | 246,446 | - | 195,338 | 164,529 | 156,946 | 111,197 | 103,487 | 90,977 |
| Loans N Advances | 529,416 | 173.00 | 264.00 | - | 107.00 | 21.00 | 26.00 | 40.00 | 25.00 | 20.00 |
| Long Term Borrowings | - | - | - | - | - | - | - | 65,577 | 66,439 | 58,604 |
| Net Debt | -321,473 | -324,261 | 239,667 | - | 205,386 | 166,933 | 159,126 | 207,497 | 178,620 | 151,159 |
| Non Controlling Interest | - | - | - | - | - | - | - | - | - | - |
| Other Asset Items | 59,225 | 551,582 | 483,186 | - | 403,827 | 344,939 | 308,291 | 321,478 | 279,305 | 236,478 |
| Other Borrowings | - | - | 520,374 | - | 418,807 | 365,747 | 327,110 | 260,900 | 225,324 | 191,236 |
| Other Liability Items | 137,817 | 126,316 | 113,716 | - | 86,721 | 80,777 | 65,009 | 49,045 | 43,778 | 35,907 |
| Reserves | 166,941 | 156,495 | 128,978 | - | 111,321 | 96,173 | 83,848 | 66,180 | 57,327 | 49,535 |
| Share Capital | 994.00 | 994.00 | 994.00 | 994.00 | 993.00 | 992.00 | 991.00 | 957.00 | 954.00 | 953.00 |
| Total Assets | 912,952 | 879,774 | 767,667 | - | 620,430 | 546,498 | 478,854 | 443,173 | 395,171 | 337,720 |
| Total Borrowings | - | - | 520,374 | - | 418,807 | 365,747 | 327,110 | 326,477 | 291,763 | 249,840 |
| Total Equity | 167,935 | 157,489 | 129,972 | 994.00 | 112,314 | 97,165 | 84,839 | 67,137 | 58,281 | 50,488 |
| Total Equity And Liabilities | 912,952 | 879,774 | 767,667 | - | 620,430 | 546,498 | 478,854 | 443,173 | 395,171 | 337,720 |
| Total Liabilities | 745,017 | 722,285 | 637,695 | -994.00 | 508,116 | 449,333 | 394,015 | 376,036 | 336,890 | 287,232 |
| Trade Payables | - | 3,640 | 3,605 | - | 3,088 | 3,309 | 2,397 | 1,013 | 1,848 | 1,485 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 22,165 | 15,515 | 1,883 | 7,543 | -10,072 | -735.00 | 8,365 | 14,679 |
| Cash From Investing Activity | -25,226 | -8,919 | -10,381 | -10,903 | -11,172 | -13,068 | -3,323 | -5,475 |
| Cash From Operating Activity | 16,916 | 15,685 | -1,242 | 8,308 | 4,881 | 46,619 | 1,822 | -10,392 |
| Cash Paid For Acquisition Of Companies | - | -532.00 | - | - | - | - | -21.00 | -1,411 |
| Cash Paid For Investment In Subsidaries And Associates | - | - | - | - | - | - | - | - |
| Cash Paid For Loan Advances | -59,396 | -70,819 | -55,142 | -53,527 | -4,373 | -7,983 | -38,387 | -39,539 |
| Cash Paid For Purchase Of Fixed Assets | -1,213 | -1,127 | -987.00 | -670.00 | -369.00 | -453.00 | -525.00 | -426.00 |
| Cash Paid For Purchase Of Investments | -28,197 | -7,473 | -9,590 | -10,336 | -10,816 | -12,800 | -2,871 | -3,833 |
| Cash Paid For Redemption And Cancellation Of Shares | 4,073 | - | - | - | - | - | - | - |
| Cash Paid For Repayment Of Borrowings | - | - | - | - | -17,838 | -862.00 | - | - |
| Cash Receipts From Deposits | 494,707 | 445,269 | 361,273 | 310,087 | 278,871 | 260,400 | 224,824 | 191,236 |
| Cash Received From Borrowings | 22,516 | 16,152 | 1,874 | 7,404 | - | - | 7,835 | - |
| Cash Received From Issue Of Debentures | - | - | - | - | - | - | - | - |
| Cash Received From Issue Of Shares | 46.00 | 199.00 | 268.00 | 359.00 | 7,844 | 361.00 | 224.00 | 5,953 |
| Cash Received From Sale Of Fixed Assets | 65.00 | 35.00 | 26.00 | 36.00 | 68.00 | 40.00 | 34.00 | 60.00 |
| Cash Received From Sale Of Investments | 4,073 | - | - | - | - | 14.00 | - | - |
| Change In Inventory | - | - | - | - | - | - | - | - |
| Change In Other Working Capital Items | 7,757 | -10,975 | -14,319 | 18,294 | -17,890 | 6,503 | -1,072 | -13,406 |
| Change In Working Capital | -2,200 | 2,203 | -18,276 | -4,018 | -3,793 | 34,096 | -5,871 | -17,249 |
| Direct Taxes Paid | -6,339 | -6,038 | -4,765 | -3,744 | -3,226 | -2,866 | -3,431 | -2,947 |
| Dividends Paid | -398.00 | -337.00 | -259.00 | -219.00 | -40.00 | -233.00 | -193.00 | -138.00 |
| Net Cash Flow | 13,855 | 22,281 | -9,740 | 4,949 | -16,363 | 32,815 | 6,864 | -1,188 |
| Operating Deposits | 49,439 | 83,996 | 51,186 | 31,215 | 18,471 | 35,576 | 33,588 | 35,696 |
| Other Cash Financing Items Paid | - | -500.00 | - | - | -37.00 | - | 499.00 | 8,864 |
| Other Cash Investing Items Paid | 47.00 | 178.00 | 169.00 | 66.00 | -56.00 | 130.00 | 59.00 | 135.00 |
| Profit From Operations | 25,454 | 19,519 | 21,799 | 16,070 | 11,900 | 15,390 | 11,124 | 9,804 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Kotakbank | 2025-09-30 | - | 29.75 | 32.02 | 12.35 | 0.00 |
| Kotakbank | 2025-06-30 | - | 32.34 | 29.61 | 12.18 | 0.00 |
| Kotakbank | 2025-03-31 | - | 32.65 | 29.13 | 12.34 | 0.00 |
| Kotakbank | 2024-12-31 | - | 32.48 | 28.79 | 12.83 | 0.00 |
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