The bank serves 5.2 crore customers across 5,581 branches with consolidated total assets of Rs 10,03,353 crore. Revenue comes from three core banking segments — Retail Banking (48.1% of segment revenue), Corporate Wholesale Banking (34.8%), and Treasury, BMU and Corporate Centre (17.1%) — plus a set of financial services subsidiaries covering insurance, asset management, broking, vehicle financing and advisory. Retail Banking generated Rs 25,067 crore at a 17.4% EBIT margin; Corporate Wholesale Banking produced Rs 18,108 crore at a 30.7% margin; the Treasury segment, though only 17.1% of revenue, ran at a 79.9% EBIT margin. In Q1 FY27, the standalone bank earned a net profit of Rs 4,123 crore (+26% YoY) on net interest income of Rs 7,928 crore, with net advances of Rs 5.12 lakh crore (+15% YoY) and deposits of Rs 5.73 lakh crore (+12% YoY). Subsidiaries contributed 33% of consolidated PAT, with Kotak AMC, Kotak Prime, Kotak Securities and insurance among the larger contributors. Asset quality is strong — gross NPA at 1.18%, capital adequacy at 22.78%, NIM held at 4.53% for a third straight quarter. The bank is acquiring Deutsche Bank's India retail, private banking and wealth business for Rs 281 crore — adding roughly 150,000 customers, Rs 29,000 crore in advances, Rs 16,000 crore in deposits and Rs 10,500 crore in wealth AUM, with closing scheduled for September 2027. AR · MarketPing reader · 2026-08-03
Revenue streams, as the annual report describes them. Retail Banking (48%), Corporate Wholesale Banking (35%), Treasury, BMU and Corporate Centre (17%), Insurance, Broking, Vehicle Financing, Asset Management, Advisory and Transactional Services. Diversified private-sector bank with a meaningful subsidiaries franchise in insurance, asset management, broking and vehicle finance
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| EBITDA (ex other income) | — | — | — | — | — |
| margin % | — | — | — | — | — |
| Owners' profit | 12,089 | 14,925 | 18,213 | 22,126 | 19,288 |
| EPS, as reported (₹) | 60.76 | 74.96 | 91.45 | 111.29 | 19.40 |
| ROE % · ROCE % | — · — | — · — | — · — | — · — | — · — |
| Debt / equity (x) | — | — | — | — | — |
| Cash from operations | 8,418 | (1,242) | 15,685 | 16,916 | 41,727 |
| Capex | — | — | — | — | — |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Profit before tax | 6,647 | 6,180 | 6,351 | 6,053 | 5,963 | 6,533 | 7,443 | 7,509 |
| Net profit | 4,998 | 4,640 | 4,909 | 4,429 | 4,446 | 4,904 | 5,402 | 5,487 |
| EPS (₹) | 25.37 | 23.64 | 24.81 | 22.49 | 22.47 | 4.95 | 5.45 | 5.51 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| HDFC BANK LTD | 10,90,797 | 13.8 | — | — | — | — | — | — |
| ICICI BANK LTD. | 9,89,606 | 17.6 | — | — | — | — | — | — |
| KOTAK MAHINDRA BANK LTD ◆ | 4,16,767 | 10.9 | — | — | — | — | — | — |
| AXIS BANK LIMITED | 3,87,606 | 13.9 | — | — | — | — | — | — |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 11 Sept 2026 · Newspaper clipping on SEBI special window for dematerialising physical securities | general | low | — | — |
| 10 Sept 2026 · Manish Kothari resigns as Group President at Kotak Mahindra Bank | management changes | medium | — | — |
| 10 Sept 2026 · Group President Manish Kothari steps down from Kotak Bank, exit set for Sep 30 | management changes | high | — | — |
| 8 Sept 2026 · Kotak Mahindra Bank grants 7.14 lakh ESOPs to employees | capital market events | low | — | — |
| 24 Aug 2026 · Kotak Bank prices USD 650M senior notes at 5.478 percent due 2031 | fund raising | medium | — | — |
| 24 Aug 2026 · Kotak Mahindra Bank allots US$650M senior notes at 5.478%, due 2031 | fund raising | high | — | — |
| 22 Aug 2026 · Kotak Bank gets ESG rating of 70 (Excellent) for FY26 | business updates | medium | — | — |
| 21 Aug 2026 · Kotak Bank to meet investors at Morgan Stanley conference on Aug 27 | board shareholder meetings | low | — | — |
| 20 Aug 2026 · S&P assigns BBB rating to Kotak Bank's USD 650M Senior Notes | credit debt | medium | — | — |
| 20 Aug 2026 · Kotak Mahindra Bank gets Crisil ESG 72 Leader rating for FY26 | business updates | medium | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| IDBI BANK LIMITED |
| 89,836 |
| 9.6 |
| — |
| — |
| — |
| — |
| — |
| — |
| FEDERAL BANK LTD | 85,024 | 18.1 | — | — | — | — | — | — |
| INDUSIND BANK LIMITED | 76,215 | 57.6 | — | — | — | — | — | — |
| IDFC FIRST BANK LIMITED | 74,268 | 33.2 | — | — | — | — | — | — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 10.9 | 12.4 | 9 of 20 | 58% |
| Profit growth | 23.9 | 29.5 | 13 of 20 | 37% |
| Market cap | 416767 | 48154 | 3 of 20 | 90% |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
