INTEGRATED FILING — BANKING



General information about company

Scrip code 500247
NSE Symbol KOTAKBANK
MSEI Symbol NOTLISTED
ISIN INE237A01028
Name of bank KOTAK MAHINDRA BANK LIMITED
Class of security Equity
Date of start of financial year 01-Apr-2025
Date of end of financial year 31-Mar-2026
Date of board meeting when results were approved 26-Jul-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 07-Jul-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter First quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 26-Jul-2025   10:15:00
End date and time of board meeting 26-Jul-2025   12:55:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable
Whether the company has any related party?
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure?
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure.
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)?
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company?
Latest Date on which RPT policy is updated
Indicate Company website link for updated RPT policy of the Company
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
Banking Company


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Apr-2025
B Date of end of reporting period 30-Jun-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 106145100000 106145100000
Income on investments 28692700000 28692700000
Interest on balances with reserve bank of India and other inter bank funds 2190200000 2190200000
Others 1337400000 1337400000
Total interest earned 138365400000 138365400000
2 Other income 30799800000 30799800000
3 Total income 169165200000 169165200000
Expenses
4 Interest expenses 65772500000 65772500000
5 Operating expenses
(i) Employees cost 20655200000 20655200000
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 27100600000 27100600000
Total other operating Expenses 27100600000 27100600000
Total Operating Expenses 47755800000 47755800000
6 Total expenditure excluding provisions and contingencies 113528300000 113528300000
7 Operating profit before provision and contingencies 55636900000 55636900000
8 Provisions other than tax and contingencies 12077600000 12077600000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 43559300000 43559300000
11 Provision for Tax 10742500000 10742500000
12 Net profit (loss) from ordinary activities after tax 32816800000 32816800000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 32816800000 32816800000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 32816800000 32816800000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 9941600000 9941600000
Face value of equity share capital 994.16 994.16
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 21.84 21.84
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 16.51 16.51
Diluted earnings per share before extraordinary items 16.5 16.5
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 16.51 16.51
Diluted earnings per share after extraordinary items 16.5 16.5
(iv) NPA Ratios
Amount of gross non-performing assets 66377000000 66377000000
Amount of net non-performing assets 15309300000 15309300000
% of gross NPAs 1.48 1.48
% of net NPAs 0.34 0.34
Return on assets 0.48 0.48
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2025
Date of end of reporting period 30-Jun-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Corporate/ Wholesale Banking 62670600000 62670600000
2 Retail Banking 86505500000 86505500000
3 Treasury, BMU and Corporate Centre 37219300000 37219300000
4 Other Banking business 0 0
Total Segment Revenue 186395400000 186395400000
Less: Inter segment revenue 17230200000
Income from operations 169165200000 169165200000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Corporate/ Wholesale Banking 18780700000 18780700000
2 Retail Banking 10802000000 10802000000
3 Treasury, BMU and Corporate Centre 13976600000 13976600000
4 Other Banking business 0 0
Total Profit before tax 43559300000 43559300000
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income
Profit before tax 43559300000 43559300000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Corporate/ Wholesale Banking 2774618400000 2774618400000
2 Retail Banking 4527607300000 4527607300000
3 Treasury, BMU and Corporate Centre 1997269400000 1997269400000
4 Other Banking business 0 0
5 Corporate/ Wholesale Banking 2774618400000 2774618400000
6 Retail Banking 4527607300000 4527607300000
7 Treasury, BMU and Corporate Centre 1997269400000 1997269400000
8 Other Banking business 0 0
Total Segment Assets 9299495100000 9299495100000
Un-allocable Assets -2409408000000 -2409408000000
Net Segment Assets 6890087100000 6890087100000
4 Segment Liabilities
Segment Liabilities
1 Corporate/ Wholesale Banking 2478777500000 2478777500000
2 Retail Banking 4042132800000 4042132800000
3 Treasury, BMU and Corporate Centre 1527699300000 1527699300000
4 Other Banking business 0 0
5 Corporate/ Wholesale Banking 2478777500000 2478777500000
6 Retail Banking 4042132800000 4042132800000
7 Treasury, BMU and Corporate Centre 1527699300000 1527699300000
8 Other Banking business 0 0
Total Segment Liabilities 8048609600000 8048609600000
Un-allocable Liabilities -1158522500000 -1158522500000
Net Segment Liabilities 6890087100000 6890087100000
Disclosure of notes on segments