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 01-04-2025
Date of end of financial year 31-03-2026
Date of board meeting when results were approved 24-01-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 13-01-2026
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter Third 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 24-01-2026   12:15:00
End date and time of board meeting 24-01-2026   13:50:00
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


Financial Results - Banking

Amount in (Lakhs)

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 01-10-2025 01-04-2025
B Date of end of reporting period 31-12-2025 31-12-2025
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 12,71,793.00 37,48,973.00
Income on investments 4,05,286.00 12,44,168.00
Interest on balances with reserve bank of India and other inter bank funds 56,780.00 1,50,848.00
Others 16,821.00 51,396.00
Total interest earned 17,50,680.00 51,95,385.00
2 Other income 10,34,399.00 27,50,225.00
3 Total income 27,85,079.00 79,45,610.00
Expenses
4 Interest expenses 7,38,443.00 22,24,408.00
5 Operating expenses
(i) Employees cost 3,43,531.00 9,62,530.00
(ii) Details of other operating expenses
Description of other operating expenses
1 Policy holders’ reserves, surrender expense and claims (insurance business) 5,72,736.00 14,71,944.00
2 Other operating expenses 3,83,076.00 11,00,259.00
Total other operating Expenses 9,55,812.00 25,72,203.00
Total Operating Expenses 12,99,343.00 35,34,733.00
6 Total expenditure excluding provisions and contingencies 20,37,786.00 57,59,141.00
7 Operating profit before provision and contingencies 7,47,293.00 21,86,469.00
8 Provisions other than tax and contingencies 93,959.00 3,31,518.00
9 Exceptional items 0.00 0.00
10 Total profit (loss) from ordinary activities before tax 6,53,334.00 18,54,951.00
11 Provision for Tax 1,62,934.00 4,77,044.00
12 Net profit (loss) from ordinary activities after tax 4,90,400.00 13,77,907.00
13 Extraordinary items net of tax expenses 0.00 0.00
14 Net profit (loss) for the period 4,90,400.00 13,77,907.00
15 Share of profit (loss) of associates 2,029.00 8,567.00
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 4,92,429.00 13,86,474.00
18 Details of equity share capital [Abstract]
Paid-up equity share capital 99,455.00 99,455.00
Face value of equity share capital 1 1
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 22.400 22.400
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 4.95 13.94
Diluted earnings per share before extraordinary items 4.95 13.94
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 4.95 13.94
Diluted earnings per share after extraordinary items 4.95 13.94
(iv) NPA Ratios
Amount of gross non-performing assets 7,39,791.00 7,39,791.00
Amount of net non-performing assets 1,99,805.00 1,99,805.00
% of gross NPAs 1.3300 1.3300
% of net NPAs 0.3600 0.3600
Return on assets 0.5300 1.5300
21 Disclosure of notes on financial results by banks


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results

Amount in (Lakhs)

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 01-10-2025 01-04-2025
Date of end of reporting period 31-12-2025 31-12-2025
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 3,35,626.00 10,19,707.00
2 Retail Banking 8,88,962.00 25,88,410.00
3 Corporate / Wholesale Banking 6,20,695.00 19,17,390.00
4 Vehicle Financing 1,11,761.00 3,28,803.00
5 Other Lending Activities 57,423.00 1,68,090.00
6 Broking 1,20,413.00 3,42,247.00
7 Advisory and Transactional Services 28,845.00 74,289.00
8 Asset Management 93,638.00 2,62,682.00
9 Insurance 7,17,032.00 18,71,280.00
Total Segment Revenue 29,74,395.00 85,72,898.00
Less: Inter segment revenue 1,89,316.00 6,27,288.00
Income from operations 27,85,079.00 79,45,610.00
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury, BMU and Corporate Centre 1,47,621.00 3,94,429.00
2 Retail Banking 1,43,673.00 3,95,469.00
3 Corporate / Wholesale Banking 1,97,399.00 5,83,660.00
4 Vehicle Financing 20,400.00 61,004.00
5 Other Lending Activities 13,239.00 48,124.00
6 Broking 39,092.00 1,09,000.00
7 Advisory and Transactional Services 5,818.00 9,885.00
8 Asset Management 58,545.00 1,67,802.00
9 Insurance 27,547.00 85,578.00
Total Profit before tax 6,53,334.00 18,54,951.00
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income
Profit before tax 6,53,334.00 18,54,951.00
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury, BMU and Corporate Centre 2,18,33,923.00 2,18,33,923.00
2 Retail Banking 4,76,02,658.00 4,76,02,658.00
3 Corporate / Wholesale Banking 3,11,26,361.00 3,11,26,361.00
4 Vehicle Financing 33,55,012.00 33,55,012.00
5 Other Lending Activities 23,79,395.00 23,79,395.00
6 Broking 29,86,071.00 29,86,071.00
7 Advisory and Transactional Services 1,18,579.00 1,18,579.00
8 Asset Management 9,31,216.00 9,31,216.00
9 Insurance 1,03,30,904.00 1,03,30,904.00
Total Segment Assets 12,06,64,119.00 12,06,64,119.00
Un-allocable Assets (2,62,56,682.00) (2,62,56,682.00)
Net Segment Assets 9,44,07,437.00 9,44,07,437.00
4 Segment Liabilities
Segment Liabilities
1 Treasury, BMU and Corporate Centre 1,64,21,762.00 1,64,21,762.00
2 Retail Banking 4,24,10,638.00 4,24,10,638.00
3 Corporate / Wholesale Banking 2,77,25,320.00 2,77,25,320.00
4 Vehicle Financing 19,57,822.00 19,57,822.00
5 Other Lending Activities 22,07,786.00 22,07,786.00
6 Broking 26,47,542.00 26,47,542.00
7 Advisory and Transactional Services 29,106.00 29,106.00
8 Asset Management 67,831.00 67,831.00
9 Insurance 95,31,107.00 95,31,107.00
Total Segment Liabilities 10,29,98,914.00 10,29,98,914.00
Un-allocable Liabilities (85,91,477.00) (85,91,477.00)
Net Segment Liabilities 9,44,07,437.00 9,44,07,437.00
Disclosure of notes on segments