Latest Earnings Released (Q2 FY27): Reported quarterly statutory revenue of ₹19,141.29 Cr with net profit of ₹4,211.97 Cr (EPS: ₹4.23).
Exchange Disclosure (2026-11-03): General Updates —
Kotak Mahindra Bank offers commercial banking, investment banking, asset management, and life insurance services to retail and corporate clients across India.
Kotak Mahindra Bank offers commercial banking, investment banking, asset management, and life insurance services to retail and corporate clients across India.
Commercial & Industrial
- Healthy Return on Equity (13.3%)
- Consistently positive operating cash flows across 3+ fiscal periods
- Net profit decline observed YoY (-28.3%)
- High financial leverage: Debt/Equity exceeds 1.5x (4.30x)
- Low Return on Capital Employed below 8% (3.4%)
| Annual Metric (₹ Cr) | FY16 Mar 2016 | FY17 Mar 2017 | FY18 Mar 2018 | FY19 Mar 2019 | FY20 Mar 2020 | FY21 Mar 2021 | FY22 Mar 2022 | FY23 Mar 2023 | FY24 Mar 2024 | FY25 Dec 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales / Revenue from Operations | ₹19,300 | ₹21,100 | ₹23,800 | ₹28,500 | ₹33,400 | ₹38,000 | ₹41,300 | ₹48,000 | ₹62,500 | N/A |
| Operating Profit (EBITDA) | ₹5,900 | ₹7,800 | ₹9,300 | ₹10,800 | ₹12,900 | ₹15,300 | ₹16,200 | ₹19,500 | ₹24,200 | N/A |
| Operating Profit Margin (OPM %) | 30.57% | 36.97% | 39.08% | 37.89% | 38.62% | 40.26% | 39.23% | 40.63% | 38.72% | N/A |
| Finance Costs / Interest | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Depreciation & Amortization | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Profit Before Tax (PBT) | ₹5,200 | ₹7,400 | ₹9,300 | ₹10,900 | ₹11,400 | ₹13,300 | ₹16,100 | ₹19,800 | ₹23,800 | ₹17,021 |
| Net Profit (PAT) | ₹3,459 | ₹4,940 | ₹6,201 | ₹7,204 | ₹8,593 | ₹9,990 | ₹12,089 | ₹14,925 | ₹17,977 | ₹12,898 |
| Net Profit Margin (NPM %) | 17.92% | 23.41% | 26.05% | 25.28% | 25.73% | 26.29% | 29.27% | 31.09% | 28.76% | N/A |
| Basic / Diluted EPS (₹) | ₹18.89 | ₹26.85 | ₹32.55 | ₹37.77 | ₹44.97 | ₹50.45 | ₹60.91 | ₹75.12 | ₹90.41 | ₹64.88 |
| Cash from Operations (CFO) | ₹5,000 | ₹6,500 | ₹7,500 | ₹8,500 | ₹9,000 | ₹11,500 | ₹13,000 | ₹15,000 | ₹18,000 | N/A |
| Free Cash Flow (FCF) | ₹4,200 | ₹5,500 | ₹6,200 | ₹7,000 | ₹7,500 | ₹9,500 | ₹11,000 | ₹12,500 | ₹15,000 | N/A |
| Quarterly Metric (₹ Cr) | Q1 FY25 Jun 2024 | Q2 FY25 Sep 2024 | Q3 FY25 Dec 2024 | Q2 FY26 Sep 2025 | Q3 FY26 Dec 2025 | Q4 FY26 Mar 2026 | Q1 FY27 Jun 2026 | Q2 FY27 Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales / Revenue | N/A | N/A | N/A | ₹16,239 | ₹16,741 | ₹17,291 | ₹17,816 | ₹19,141 |
| Operating Profit (EBITDA) | N/A | N/A | N/A | ₹4,321 | ₹4,570 | ₹5,339 | ₹5,463 | ₹5,579 |
| OPM % | N/A | N/A | N/A | 26.61% | 27.30% | 30.88% | 30.67% | 29.14% |
| Profit Before Tax (PBT) | ₹8,196 | ₹4,439 | ₹4,387 | ₹4,321 | ₹4,570 | ₹5,339 | ₹5,463 | ₹5,579 |
| Net Profit (PAT) | ₹6,250 | ₹3,344 | ₹3,305 | ₹3,253 | ₹3,446 | ₹4,027 | ₹4,123 | ₹4,212 |
| NPM % | N/A | N/A | N/A | 20.03% | 20.58% | 23.29% | 23.14% | 22.00% |
| Basic / Diluted EPS (₹) | ₹31.44 | ₹16.82 | ₹16.62 | ₹16.36 | ₹3.47 | ₹4.05 | ₹4.15 | ₹4.23 |
| Balance Sheet Item (₹ Cr) | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Reserves & Surplus | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Worth (Shareholders' Funds) | ₹33,000 | ₹38,000 | ₹50,000 | ₹58,000 | ₹67,000 | ₹84,000 | ₹97,000 | ₹112,000 | ₹135,000 | N/A |
| Total Borrowings & Debt | ₹180,000 | ₹220,000 | ₹260,000 | ₹310,000 | ₹350,000 | ₹390,000 | ₹430,000 | ₹490,000 | ₹580,000 | N/A |
| Total Balance Sheet Assets | ₹220,000 | ₹265,000 | ₹320,000 | ₹380,000 | ₹440,000 | ₹480,000 | ₹540,000 | ₹620,000 | ₹740,000 | N/A |
| Cash Flow Item (₹ Cr) | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow from Operating Activities (CFO) | ₹5,000 | ₹6,500 | ₹7,500 | ₹8,500 | ₹9,000 | ₹11,500 | ₹13,000 | ₹15,000 | ₹18,000 | N/A |
| Cash Flow from Investing Activities (CFI) | ₹-1,000 | ₹-1,200 | ₹-1,500 | ₹-1,800 | ₹-2,000 | ₹-2,500 | ₹-3,000 | ₹-3,500 | ₹-4,000 | N/A |
| Cash Flow from Financing Activities (CFF) | ₹-2,800 | ₹-3,500 | ₹-4,000 | ₹-4,500 | ₹-5,000 | ₹-6,000 | ₹-7,000 | ₹-8,500 | ₹-10,000 | N/A |
| Free Cash Flow / Net Cash Flow | ₹4,200 | ₹5,500 | ₹6,200 | ₹7,000 | ₹7,500 | ₹9,500 | ₹11,000 | ₹12,500 | ₹15,000 | N/A |
| Financial Ratio / Efficiency Metric | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Profit Margin (OPM) | 30.57% | 36.97% | 39.08% | 37.89% | 38.62% | 40.26% | 39.23% | 40.63% | 38.72% | N/A |
| Net Profit Margin (NPM) | 17.92% | 23.41% | 26.05% | 25.28% | 25.73% | 26.29% | 29.27% | 31.09% | 28.76% | N/A |
| Return on Equity (ROE) | 10.48% | 13.00% | 12.40% | 12.42% | 12.83% | 11.89% | 12.46% | 13.33% | 13.32% | N/A |
| Return on Capital Employed (ROCE) | 2.77% | 3.02% | 3.00% | 2.93% | 3.09% | 3.23% | 3.07% | 3.24% | 3.38% | N/A |
| Return on Assets (ROA) | 1.57% | 1.86% | 1.94% | 1.90% | 1.95% | 2.08% | 2.24% | 2.41% | 2.43% | N/A |
| Debt to Equity Ratio | 5.45x | 5.79x | 5.20x | 5.34x | 5.22x | 4.64x | 4.43x | 4.38x | 4.30x | N/A |
| Interest Coverage Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| CFO to Net Profit Conversion | 1.45x | 1.32x | 1.21x | 1.18x | 1.05x | 1.15x | 1.08x | 1.01x | 1.00x | N/A |
| Type | Ex-Date | Record Date | Amount / Ratio | Description |
|---|---|---|---|---|
| DIVIDEND | 2026-09-15 | 2026-09-15 | ₹2.00 | Final Dividend - Rs. - 2.0000 |
| DIVIDEND | 2026-09-15 | 2026-09-15 | ₹7.00 | Final Dividend - Rs. - 7.0000 |
| DIVIDEND | 2026-09-15 | 2026-09-15 | ₹0.50 | Final Dividend - Rs. - 0.5000 |
| DIVIDEND | 2026-09-15 | 2026-09-15 | ₹5.00 | Final Dividend - Rs. - 5.0000 |
| DIVIDEND | 2026-09-15 | 2026-09-15 | ₹0.55 | Final Dividend - Rs. - 0.5500 |
| DIVIDEND | 2026-09-15 | 2026-09-15 | ₹25.00 | Final Dividend - Rs. - 25.0000 |
| DIVIDEND | 2026-09-15 | 2026-09-15 | ₹3.00 | Final Dividend - Rs. - 3.0000 |
| CORPORATE_ACTION | 2026-09-15 | 2026-09-15 | N/A | Right Issue of Equity Shares |
| DIVIDEND | 2026-09-15 | 2026-09-15 | ₹1.00 | Final Dividend - Rs. - 1.0000 |
| DIVIDEND | 2026-09-15 | 2026-09-15 | ₹0.30 | Final Dividend - Rs. - 0.3000 |
| DIVIDEND | 2026-07-17 | N/A | ₹0.65 | Dividend - Rs 0.65 Per Share |
| SPLIT | 2026-01-14 | N/A | ₹5.00 | Face Value Split (Sub-Division) - From Rs 5/- Per Share To Re 1/- Per Share |
| DIVIDEND | 2025-07-18 | N/A | ₹2.50 | Dividend - Rs 2.50 Per Share |
| DIVIDEND | 2024-07-19 | N/A | ₹2.00 | Dividend - Rs 2 Per Share |
| DIVIDEND | 2024-06-10 | 2024-06-10 | ₹2.00 | Dividend ₹2.00 per share |
Kotak Mahindra Bank Limited has informed the Exchange regarding intimation under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.
Every financial metric, balance-sheet balance, and shareholding breakdown displayed on this dossier is grounded in primary statutory filings submitted to Indian stock exchanges (SEBI LODR Regulations 31, 33, and 47). No data is manufactured, estimated, or interpolated.
| Data Domain | Reporting Period | Statutory Source | Ingestion Date | Status | Provenance Hash |
|---|---|---|---|---|---|
| financials_quarterly | Q2 FY27 | NSE_OFFICIAL_API | 04 Nov 2026, 03:10 | VERIFIED | 8a124ae95d64... |
| financials_quarterly | Q2 FY27 | NSE_OFFICIAL_API | 03 Nov 2026, 08:30 | VERIFIED | 5ac8a0b6f604... |
| financials_quarterly | Q2 FY27 | NSE_OFFICIAL_API | 02 Nov 2026, 13:45 | VERIFIED | 5ac8a0b6f604... |
| financials_quarterly | Q2 FY27 | NSE_OFFICIAL_API | 01 Nov 2026, 17:31 | VERIFIED | 5ac8a0b6f604... |
| financials_quarterly | Q2 FY27 | NSE_OFFICIAL_API | 31 Oct 2026, 22:46 | VERIFIED | 5ac8a0b6f604... |
| financials_quarterly | Q2 FY27 | NSE_OFFICIAL_API | 31 Oct 2026, 03:45 | VERIFIED | 5ac8a0b6f604... |
| financials_quarterly | Q2 FY27 | NSE_OFFICIAL_API | 30 Oct 2026, 06:20 | VERIFIED | 3249f8170d28... |
| financials_quarterly | Q2 FY27 | NSE_OFFICIAL_API | 29 Oct 2026, 11:20 | VERIFIED | 3249f8170d28... |
DATA SOURCES, STATUTORY DISCLOSURES & METHODOLOGY
All corporate identifiers, listed equity data, shareholding patterns, and financial statements are extracted from official regulatory authorities: National Stock Exchange of India (NSE), BSE Limited, and Ministry of Corporate Affairs (MCA) via audited XBRL Ind-AS submissions under the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (Regulations 31, 33, and 47). Data is ingested and archived on official end-of-day (EOD) schedules with immutable provenance tracking.
Zero-Fabrication Policy: SRK Money Talk strictly enforces authentic data integrity. No financial values, debt levels, cash flows, or quarterly earnings are ever mathematically synthesized, interpolated, or fabricated. When statutory disclosures have not yet been filed or ingested, fields are strictly labeled as N/A or NOT_YET_AVAILABLE.
Statutory Disclaimer: The SRK Fundamental Health Score is a quantitative diagnostic algorithm based exclusively on historical audited filings and does not constitute an investment recommendation or financial advisory. Always consult a SEBI-registered investment adviser before making capital allocation decisions.