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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; Digital Banking; Other Retail Banking; Vehicle Financing; Other Lending Activities; Broking; Advisory and Transactional Services; Asset Management; and Insurance segments. The company offers savings, current, and salary accounts; fixed, recurring, tax saving fixed, senior citizen, and fixed deposit products; home, personal, business, payday, gold, education, commercial vehicle, car, and crop loans, as well as loan against securities and properties; construction equipment, tractor and farm equipment, healthcare, trade and supply chain, and working capital finance solutions; and prepaid, credit, and debit cards. It also provides Investment products; life, term, health, car, and two wheeler insurance; payment services; trade services; business management and marketing, enterprise resource planning, supply chain and logistics, human resource, business travel, workspace management, taxation and legal, and healthcare/medical equipment services; cash management services, such as digital payments, physical collections, digital collections, and payment gateways; private banking services; net banking; and NRI services. In addition, the company offers term deposits, consumer finance, business banking, rural housing, FASTags, project finance, foreign exchange, custody services, debt capital markets; structured financing, discretionary, investment advisory solutions; estate planning, research services, margin trading facility, and index, overseas funds. Kotak Mahindra Bank Limited was incorporated in 1985 and is headquartered in Mumbai, India.
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| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
| Income before tax | 289890.25M | 238633.79M | 196461.80M | 119318.74M | 99028.96M |
| Minority interest | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Net income | 221259.89M | 182132.08M | 149250.10M | 120893.91M | 99902.04M |
| Selling general administrative | 12219.49M | 13787.36M | 14392.40M | 11938.67M | 8372.06M |
| Selling and marketing expenses | 15481.82M | 15563.77M | 11976.96M | 4844.58M | 4225.37M |
| Gross profit | 762853.10M | 696696.00M | 522332.20M | 463407.89M | 426142.53M |
| Reconciled depreciation | 9409.10M | 7917.50M | 5992.60M | 4803.50M | 4610.50M |
| Ebit | 289890.25M | 238633.79M | 191509.90M | 155849.71M | 127540.93M |
| Ebitda | 299299.34M | 246551.33M | 197502.50M | 160653.21M | 132151.44M |
| Depreciation and amortization | 9409.09M | 7917.53M | 5992.60M | 4803.51M | 4610.50M |
| Operating income | 289890.25M | 238633.79M | 191509.90M | 155849.71M | 127540.93M |
| Other operating expenses | 755708.36M | 683734.57M | -333294.81M | -294163.26M | -273328.81M |
| Interest expense | 282745.51M | 225672.37M | 144111.30M | 115532.91M | 129665.48M |
| Tax provision | 70432.90M | 58865.50M | 48657.40M | 40164.30M | 32654.40M |
| Interest income | 656688.30M | 562366.30M | 421510.60M | 337404.00M | 328198.30M |
| Net interest income | 373942.80M | 336693.90M | 277399.30M | 221871.10M | 198532.80M |
| Income tax expense | 70432.90M | 58865.50M | 48657.40M | 40164.30M | 32654.40M |
| Total revenue | 1045598.61M | 922368.37M | 522332.20M | 463407.89M | 426142.53M |
| Total operating expenses | 472962.85M | 458062.20M | 321292.00M | 338453.03M | 301311.09M |
| Cost of revenue | 282745.51M | 225672.37M | - | - | - |
| Total other income expense net | -298094.30M | 2955.80M | 197907.50M | 161058.21M | 132556.44M |
| Net income from continuing ops | 221259.90M | 182132.10M | 149250.10M | 120893.90M | 99902.00M |
| Net income applicable to common shares | 221259.89M | 182132.08M | 149250.10M | 120488.91M | 99497.04M |
| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
| Total assets | 8797743.40M | 7676669.59M | 6204297.30M | 5464979.08M | 4788726.86M |
| Intangible assets | 3429.20M | 0.03M | 3860.90M | 2633.50M | 1623.50M |
| Earning assets | - | - | - | - | 1569455.50M |
| Other current assets | -129637.24M | 825337.44M | - | 3265796.30M | 2587636.06M |
| Total liab | 7222849.90M | 6376952.69M | 5081153.30M | 4493325.72M | 3940340.83M |
| Total stockholder equity | 1574893.50M | 1299716.90M | 1123144.00M | 971653.36M | 848386.03M |
| Other current liab | 4906325.38M | 2058271.65M | -15559.18M | -8881.26M | -14082.63M |
| Common stock | 9941.10M | 9939.60M | 14932.80M | 9923.31M | 9909.18M |
| Capital stock | 9941.10M | 9939.60M | 14932.80M | 14923.30M | 14909.18M |
| Retained earnings | 900374.56M | 751267.09M | 635331.70M | 524804.32M | 435222.14M |
| Other liab | - | - | - | 792185.87M | 630904.25M |
| Good will | 9477.60M | 9477.57M | 8137.50M | 8137.53M | 8137.53M |
| Other assets | 7932785.40M | -345245.07M | 5925126.11M | 5253941.94M | 4396405.90M |
| Cash | 790617.50M | 652063.90M | 429253.40M | 524012.90M | 477174.22M |
| Total current liabilities | 4947074.80M | 2091665.36M | 15559.18M | 8881.26M | 14082.63M |
| Current deferred revenue | - | -30324.75M | - | - | - |
| Net debt | 185602.80M | 98992.20M | 141085.80M | 60555.81M | 24180.22M |
| Short term debt | 4098.53M | 3068.96M | - | - | - |
| Short long term debt total | 976220.30M | 751056.06M | 570339.20M | 584568.71M | 501354.44M |
| Other stockholder equity | 255848.96M | 255329.60M | -852599.87M | -706079.35M | -587520.63M |
| Property plant equipment | 24678.80M | 22007.08M | 22612.00M | 19096.31M | 17401.63M |
| Total current assets | 790617.50M | 825337.44M | 248421.62M | 183803.29M | 366781.80M |
| Long term investments | 2842550.00M | 2464457.20M | 1953379.70M | 1645294.10M | 1569455.50M |
| Net tangible assets | - | - | - | 958515.83M | 835248.50M |
| Short term investments | - | -0.01M | -180831.78M | -340209.61M | -110392.42M |
| Net receivables | 129637.24M | 138100.10M | 109368.20M | 114087.48M | 128921.93M |
| Long term debt | 976220.34M | 751056.06M | 570339.20M | 551482.70M | 477389.00M |
| Inventory | - | -790164.00M | - | -3379883.78M | -2716557.99M |
| Accounts payable | 36650.89M | 30324.75M | 15559.18M | 8881.26M | 14082.63M |
| Accumulated other comprehensive income | 407504.81M | 283180.61M | 1320479.37M | 1138005.08M | 985775.35M |
| Non currrent assets other | 3072216.60M | 6790187.88M | -30749.58M | -27233.84M | -25539.16M |
| Non current assets total | 8007125.90M | 6851332.14M | 30749.58M | 27233.84M | 25539.16M |
| Long term debt total | 976220.34M | 751056.06M | 570339.20M | 551482.70M | 477389.01M |
| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
| Investments | -252720.90M | -90969.30M | -105501.80M | -104510.69M | -108159.95M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -252720.90M | -90969.30M | -105501.80M | -110843.96M | -111161.36M |
| Net borrowings | 225164.28M | 161524.93M | - | 74093.64M | -178378.15M |
| Total cash from financing activities | 221652.00M | 995112.46M | 18830.00M | 75489.11M | -100720.46M |
| Change to operating activities | - | - | - | -352387.42M | -222637.64M |
| Net income | 221259.90M | 182132.08M | 196461.80M | 159483.01M | 131683.37M |
| Change in cash | 138553.60M | 222810.40M | -97401.40M | 49488.64M | -163632.28M |
| Begin period cash flow | 652063.90M | 429253.47M | 526654.80M | 477166.20M | 640798.48M |
| End period cash flow | 790617.50M | 652063.87M | 429253.40M | 526654.84M | 477166.20M |
| Total cash from operating activities | 169157.30M | 156849.97M | -12424.30M | 84179.93M | 48811.31M |
| Issuance of capital stock | 464.00M | 1992.30M | 2678.60M | 3585.63M | 78437.49M |
| Depreciation | 9409.10M | 7917.53M | 5992.60M | 4803.51M | 4610.50M |
| Other cashflows from investing activities | 647.60M | -0.04M | -95634.20M | -104146.30M | -107475.50M |
| Dividends paid | 3976.20M | 3366.21M | -2589.20M | -2189.62M | -405.00M |
| Sale purchase of stock | 464.01M | -5000.00M | 2678.60M | 3585.60M | -84771.32M |
| Other cashflows from financing activities | - | 839961.39M | 18740.60M | 74093.10M | 84396.57M |
| Change to netincome | - | - | - | -1284.89M | -17775.63M |
| Capital expenditures | 12128.50M | 11266.88M | 9867.60M | 6697.69M | 3685.90M |
| Change in working capital | 84434.32M | 253523.62M | -182755.70M | -40232.60M | -37925.60M |
| Stock based compensation | 366.90M | 449.50M | 456.40M | 314.38M | 18.22M |
| Other non cash items | -146312.92M | -287172.76M | 5776.30M | 5613.20M | 4275.06M |
| Free cash flow | 157028.80M | 145583.09M | -22291.90M | 77482.24M | 45125.41M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(INR) |
Price
(INR) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| KOTAKBANK Kotak Mahindra Bank Limited |
8.05 1.75% |
467.45 | 22.74 | 22.32 | 5.81 | 2.54 | 6.79 |
| HDFCBANK HDFC Bank Limited |
23.80 3.23% |
760.50 | 21.14 | 16.26 | 5.13 | 1.85 | 8.93 |
| ICICIBANK ICICI Bank Limited |
74.20 5.21% |
1498.30 | 19.41 | 17.45 | 5.38 | 3.01 | 5.74 |
| SBIN State Bank of India |
27.50 2.81% |
1006.50 | 11.19 | 11.30 | 2.60 | 1.65 | 4.35 |
| AXISBANK Axis Bank Limited |
49.10 3.99% |
1281.10 | 15.42 | 13.72 | 5.27 | 2.02 | 7.43 |
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; Digital Banking; Other Retail Banking; Vehicle Financing; Other Lending Activities; Broking; Advisory and Transactional Services; Asset Management; and Insurance segments. The company offers savings, current, and salary accounts; fixed, recurring, tax saving fixed, senior citizen, and fixed deposit products; home, personal, business, payday, gold, education, commercial vehicle, car, and crop loans, as well as loan against securities and properties; construction equipment, tractor and farm equipment, healthcare, trade and supply chain, and working capital finance solutions; and prepaid, credit, and debit cards. It also provides Investment products; life, term, health, car, and two wheeler insurance; payment services; trade services; business management and marketing, enterprise resource planning, supply chain and logistics, human resource, business travel, workspace management, taxation and legal, and healthcare/medical equipment services; cash management services, such as digital payments, physical collections, digital collections, and payment gateways; private banking services; net banking; and NRI services. In addition, the company offers term deposits, consumer finance, business banking, rural housing, FASTags, project finance, foreign exchange, custody services, debt capital markets; structured financing, discretionary, investment advisory solutions; estate planning, research services, margin trading facility, and index, overseas funds. Kotak Mahindra Bank Limited was incorporated in 1985 and is headquartered in Mumbai, India.
| Name | Title | Year Born |
|---|---|---|
| Mr. Uday Suresh Kotak B.Com, MMS | MD, CEO, Member of Exec. Board & Director | 1959 |
| Mr. Dipak Gupta PGDM ? IIM | Joint MD, Member of Exec. Board & Whole Time Director | 1960 |
| Mr. Krishnan Venkat Subramanian | Pres of Corp., Institutional & IB, Member of Exec. Board and Whole time Director | 1962 |
| Mr. Jaimin Mukund Bhatt | Group Pres, Group CFO & Member of Exec. Board | NA |
| Mr. Arvind Kathpalia B.A., M.B.A. | Pres, Group Chief Risk Officer & Member of Exec. Board | 1958 |
| Ms. Shanti Ekambaram | Group Pres of Consumer Bank, Member of Exec. Board & Whole-Time Director | 1963 |
| Mr. Devang C Gheewalla | Pres & Chief of Operations | NA |
| Mr. Devarajan Kannan | Group Head of Commercial Banking & Member of Exec. Board | NA |
| Mr. Mohan Narayan Shenoi | Member of Exec. Board | 1958 |
| Mr. Venkattu Srinivasan | Group Head of Asset Reconstruction & Structured Credit and Member of Exec. Board | NA |
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