| 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 | 01-04-2025 |
| Date of end of financial year | 31-03-2026 |
| Date of board meeting when results were approved | 25-10-2025 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 06-10-2025 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Second quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited | Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Unaudited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 25-10-2025 10:00:00 |
| End date and time of board meeting | 25-10-2025 12:15:00 |
| Whether cash flow statement is applicable on company | Yes |
| Type of cash flow statement | Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification | Not applicable |
| 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 | 01-07-2025 | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 | 30-09-2025 |
| C | Whether results are audited or unaudited | Unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 12,42,561.00 | 24,77,180.00 | |
| Income on investments | 4,12,074.00 | 8,38,882.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 46,978.00 | 94,068.00 | |
| Others | 18,261.00 | 34,575.00 | |
| Total interest earned | 17,19,874.00 | 34,44,705.00 | |
| 2 | Other income | 7,70,265.00 | 17,15,826.00 |
| 3 | Total income | 24,90,139.00 | 51,60,531.00 |
| Expenses | |||
| 4 | Interest expenses | 7,33,256.00 | 14,85,965.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 3,07,979.00 | 6,18,999.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Policy holders’ reserves, surrender expense and claims (insurance business) | 3,83,214.00 | 8,99,208.00 |
| 2 | Other operating expenses | 3,63,971.00 | 7,17,183.00 |
| Total other operating Expenses | 7,47,185.00 | 16,16,391.00 | |
| Total Operating Expenses | 10,55,164.00 | 22,35,390.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 17,88,420.00 | 37,21,355.00 |
| 7 | Operating profit before provision and contingencies | 7,01,719.00 | 14,39,176.00 |
| 8 | Provisions other than tax and contingencies | 1,05,442.00 | 2,37,559.00 |
| 9 | Exceptional items | 0.00 | 0.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 5,96,277.00 | 12,01,617.00 |
| 11 | Provision for Tax | 1,51,683.00 | 3,14,110.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 4,44,594.00 | 8,87,507.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 4,44,594.00 | 8,87,507.00 |
| 15 | Share of profit (loss) of associates | 2,233.00 | 6,538.00 |
| 16 | Profit (loss) of minority interest | 0.00 | 0.00 |
| 17 | Net Profit (loss) after taxes minority interest and share of profit (loss) of associates | 4,46,827.00 | 8,94,045.00 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 99,430.00 | 99,430.00 | |
| Face value of equity share capital | 5 | 5 | |
| 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 | 21.8500 | 21.8500 | |
| Additional Tier 1 ratio | 0 | 0 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 22.47 | 44.96 | |
| Diluted earnings per share before extraordinary items | 22.47 | 44.96 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 22.47 | 44.96 | |
| Diluted earnings per share after extraordinary items | 22.47 | 44.96 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 0.00 | 0.00 | |
| Amount of net non-performing assets | 0.00 | 0.00 | |
| % of gross NPAs | 0 | 0 | |
| % of net NPAs | 0 | 0 | |
| Return on assets | 0 | 0 | |
| 21 | Disclosure of notes on financial results by banks | ||
| Particulars | Year ended (dd-mm-yyyy) | ||
|---|---|---|---|
| Date of start of reporting period | 01-04-2025 | ||
| Date of end of reporting period | 30-09-2025 | ||
| Whether results are audited or unaudited | Unaudited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| 1 | Capital and liabilities | ||
| Capital | 99,430.00 | ||
| Reserves and surplus | 1,66,94,094.00 | ||
| Deposits | 5,24,49,969.00 | ||
| Borrowings | 82,70,003.00 | ||
| Other liabilities and provisions | 1,37,81,745.00 | ||
| Total Capital Liabilities | 9,12,95,241.00 | ||
| 2 | ASSETS | ||
| Cash and Balances with Reserve Bank of India | 36,62,990.00 | ||
| Balances with Banks and money at call and short notice | 27,29,104.00 | ||
| Investments | 2,84,84,325.00 | ||
| Advances | 5,29,41,628.00 | ||
| Fixed Assets | 28383400000 | ||
| Other Assets | 31,93,360.00 | ||
| Total Assets | 9,12,95,241.00 | ||
| Disclosure of notes on assets and liabilities | |||
| Textual Information(1) |
|---|
| 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 | 01-07-2025 | 01-04-2025 | |||||
| Date of end of reporting period | 30-09-2025 | 30-09-2025 | |||||
| Whether results are audited or unaudited | Unaudited | Unaudited | |||||
| Nature of report standalone or consolidated | Consolidated | Consolidated | |||||
| 1 | Segment Revenue (Income) | ||||||
| (net sale/income from each segment should be disclosed) | |||||||
| 1 | Treasury, BMU and Corporate Centre | 3,13,257.00 | 6,84,081.00 | ||||
| 2 | Retail Banking | 8,34,393.00 | 16,99,448.00 | ||||
| 3 | Corporate / Wholesale Banking | 6,69,989.00 | 12,96,695.00 | ||||
| 4 | Vehicle Financing | 1,08,497.00 | 2,17,042.00 | ||||
| 5 | Other Lending Activities | 57,024.00 | 1,10,667.00 | ||||
| 6 | Broking | 1,12,775.00 | 2,21,834.00 | ||||
| 7 | Advisory and Transactional Services | 23,017.00 | 45,444.00 | ||||
| 8 | Asset Management | 82,395.00 | 1,69,044.00 | ||||
| 9 | Insurance | 5,07,274.00 | 11,54,248.00 | ||||
| Total Segment Revenue | 27,08,621.00 | 55,98,503.00 | |||||
| Less: Inter segment revenue | 2,18,482.00 | 4,37,972.00 | |||||
| Income from operations | 24,90,139.00 | 51,60,531.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury, BMU and Corporate Centre | 1,14,490.00 | 2,46,808.00 | ||||
| 2 | Retail Banking | 1,43,776.00 | 2,51,796.00 | ||||
| 3 | Corporate / Wholesale Banking | 1,98,454.00 | 3,86,261.00 | ||||
| 4 | Vehicle Financing | 19,835.00 | 40,604.00 | ||||
| 5 | Other Lending Activities | 17,961.00 | 34,885.00 | ||||
| 6 | Broking | 35,335.00 | 69,908.00 | ||||
| 7 | Advisory and Transactional Services | 1,701.00 | 4,067.00 | ||||
| 8 | Asset Management | 51,502.00 | 1,09,257.00 | ||||
| 9 | Insurance | 13,223.00 | 58,031.00 | ||||
| Total Profit before tax | 5,96,277.00 | 12,01,617.00 | |||||
| i. Finance cost | |||||||
| ii. Other Unallocable Expenditure net off Unallocable income | |||||||
| Profit before tax | 5,96,277.00 | 12,01,617.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury, BMU and Corporate Centre | 2,11,48,844.00 | 2,11,48,844.00 | ||||
| 2 | Retail Banking | 4,59,31,100.00 | 4,59,31,100.00 | ||||
| 3 | Corporate / Wholesale Banking | 2,98,53,028.00 | 2,98,53,028.00 | ||||
| 4 | Vehicle Financing | 32,83,697.00 | 32,83,697.00 | ||||
| 5 | Other Lending Activities | 23,13,707.00 | 23,13,707.00 | ||||
| 6 | Broking | 28,79,462.00 | 28,79,462.00 | ||||
| 7 | Advisory and Transactional Services | 1,25,744.00 | 1,25,744.00 | ||||
| 8 | Asset Management | 9,15,478.00 | 9,15,478.00 | ||||
| 9 | Insurance | 99,20,795.00 | 99,20,795.00 | ||||
| Total Segment Assets | 11,63,71,855.00 | 11,63,71,855.00 | |||||
| Un-allocable Assets | (2,50,76,614.00) | (2,50,76,614.00) | |||||
| Net Segment Assets | 9,12,95,241.00 | 9,12,95,241.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury, BMU and Corporate Centre | 1,60,05,850.00 | 1,60,05,850.00 | ||||
| 2 | Retail Banking | 4,09,32,211.00 | 4,09,32,211.00 | ||||
| 3 | Corporate / Wholesale Banking | 2,66,95,209.00 | 2,66,95,209.00 | ||||
| 4 | Vehicle Financing | 19,03,481.00 | 19,03,481.00 | ||||
| 5 | Other Lending Activities | 21,04,422.00 | 21,04,422.00 | ||||
| 6 | Broking | 25,50,357.00 | 25,50,357.00 | ||||
| 7 | Advisory and Transactional Services | 26,219.00 | 26,219.00 | ||||
| 8 | Asset Management | 78,341.00 | 78,341.00 | ||||
| 9 | Insurance | 91,49,345.00 | 91,49,345.00 | ||||
| Total Segment Liabilities | 9,94,45,435.00 | 9,94,45,435.00 | |||||
| Un-allocable Liabilities | (81,50,194.00) | (81,50,194.00) | |||||
| Net Segment Liabilities | 9,12,95,241.00 | 9,12,95,241.00 | |||||
| Disclosure of notes on segments | |||||||
| Particulars | Year ended (dd-mm-yyyy) | |
|---|---|---|
| A | Date of start of reporting period | 01-04-2025 |
| B | Date of end of reporting period | 30-09-2025 |
| C | Whether results are audited or unaudited | Unaudited |
| D | Nature of report standalone or consolidated | Consolidated |
| 1 | Statement of cash flows | |
| Cash flows from used in operating activities | ||
| Profit before extraordinary items and tax | 12,01,617.00 | |
| 2 | Adjustments for reconcile profit (loss) | |
| Adjustments to profit (loss) | ||
| Adjustments for finance costs | 0.00 | |
| Adjustments for depreciation and amortisation expense | 52,485.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 2,37,559.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 0.00 | |
| Adjustments for share-based payments | 2,247.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | (2,53,041.00) | |
| Other adjustments to reconcile profit (loss) | 0.00 | |
| Other adjustments for non-cash items | 0.00 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Total adjustments to profit (loss) | 39,250.00 | |
| 3 | Adjustments for working capital | |
| Adjustments for decrease (increase) in inventories | 0.00 | |
| Adjustments for decrease (increase) in trade receivables | 0.00 | |
| Adjustments for decrease (increase) in other current assets | (40,06,591.00) | |
| Adjustments for increase (decrease) in trade payables | 0.00 | |
| Adjustments for increase (decrease) in other current liabilities | 36,64,878.00 | |
| Adjustments for provisions | 0.00 | |
| Total adjustments for working capital | (3,41,713.00) | |
| Total adjustments for reconcile profit (loss) | (3,02,463.00) | |
| Net cash flows from (used in) operations | 8,99,154.00 | |
| Dividends received | 0.00 | |
| Interest paid | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 2,87,241.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) operating activities before extraordinary items | 6,11,913.00 | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) operating activities | 6,11,913.00 | |
| 4 | Cash flows from used in investing activities | |
| Cash flows from losing control of subsidiaries or other businesses | 0.00 | |
| Cash flows used in obtaining control of subsidiaries or other businesses | 0.00 | |
| Other cash receipts from sales of equity or debt instruments of other entities | 0.00 | |
| Other cash payments to acquire equity or debt instruments of other entities | 5,52,635.00 | |
| Other cash receipts from sales of interests in joint ventures | 0.00 | |
| Other cash payments to acquire interests in joint ventures | 0.00 | |
| Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Cash payment for investment in partnership firm or association of persons or limited liability partnerships | 0.00 | |
| Proceeds from sales of tangible assets | 1,274.00 | |
| Purchase of tangible assets | 51,769.00 | |
| Proceeds from sales of intangible assets | 0.00 | |
| Purchase of intangible assets | 0.00 | |
| Cash advances and loans made to other parties | 0.00 | |
| Cash receipts from repayment of advances and loans made to other parties | 0.00 | |
| Cash payments for future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Cash receipts from future contracts, forward contracts, option contracts and swap contracts | 0.00 | |
| Dividends received | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Proceeds from government grants | 0.00 | |
| Net cash flows from (used in) investing activities before extraordinary items | (6,03,130.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) investing activities | (6,03,130.00) | |
| 5 | Cash flows from used in financing activities | |
| Proceeds from issuing shares | 6,605.00 | |
| Proceeds from issuing other equity instruments | 0.00 | |
| Proceeds from issuing debentures notes bonds etc | 0.00 | |
| Proceeds from borrowings | (14,92,200.00) | |
| Repayments of borrowings | 0.00 | |
| Dividends paid | 49,710.00 | |
| Interest paid | 0.00 | |
| Income taxes paid (refund) | 0.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) financing activities before extraordinary items | (15,35,305.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) financing activities | (15,35,305.00) | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | (15,26,522.00) | |
| 6 | Effect of exchange rate changes on cash and cash equivalents | |
| Effect of exchange rate changes on cash and cash equivalents | 12,441.00 | |
| Net increase (decrease) in cash and cash equivalents | (15,14,081.00) | |
| Cash and cash equivalents cash flow statement at beginning of period | 79,06,175.00 | |
| Cash and cash equivalents cash flow statement at end of period | 63,92,094.00 | |