| Scrip code | 500247 |
|---|---|
| NSE Symbol | KOTAKBANK |
| MSEI Symbol | NOTLISTED |
| ISIN | INE237A01036 |
| 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 | 02-05-2026 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 17-04-2026 |
| Description of presentation currency | INR |
| Level of rounding used in financial results | Lakhs |
| Reporting Type | Quarterly |
| Reporting Quarter | Fourth quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited | Audited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Audited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 02-05-2026 10:00:00 |
| End date and time of board meeting | 02-05-2026 13:45:00 |
| 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 | Declaration of unmodified opinion |
| 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 | 01-01-2026 | 01-04-2025 |
| B | Date of end of reporting period | 31-03-2026 | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited | Audited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 12,89,119.00 | 50,38,092.00 | |
| Income on investments | 4,11,947.00 | 16,56,115.00 | |
| Interest on balances with reserve bank of India and other inter bank funds | 63,527.00 | 2,14,375.00 | |
| Others | 18,143.00 | 69,539.00 | |
| Total interest earned | 17,82,736.00 | 69,78,121.00 | |
| 2 | Other income | 10,28,024.00 | 37,78,249.00 |
| 3 | Total income | 28,10,760.00 | 1,07,56,370.00 |
| Expenses | |||
| 4 | Interest expenses | 7,37,590.00 | 29,61,998.00 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 3,33,850.00 | 12,96,380.00 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Policy holders’ reserves, surrender expense and claims (insurance business) (Refer Note 7) | 5,36,932.00 | 20,08,876.00 |
| 2 | Other operating expenses | 4,36,325.00 | 15,36,584.00 |
| Total other operating Expenses | 9,73,257.00 | 35,45,460.00 | |
| Total Operating Expenses | 13,07,107.00 | 48,41,840.00 | |
| 6 | Total expenditure excluding provisions and contingencies | 20,44,697.00 | 78,03,838.00 |
| 7 | Operating profit before provision and contingencies | 7,66,063.00 | 29,52,532.00 |
| 8 | Provisions other than tax and contingencies | 58,521.00 | 3,90,039.00 |
| 9 | Exceptional items | 36,779.00 | 36,779.00 |
| 10 | Total profit (loss) from ordinary activities before tax | 7,44,321.00 | 25,99,272.00 |
| 11 | Provision for Tax | 2,04,166.00 | 6,81,210.00 |
| 12 | Net profit (loss) from ordinary activities after tax | 5,40,155.00 | 19,18,062.00 |
| 13 | Extraordinary items net of tax expenses | 0.00 | 0.00 |
| 14 | Net profit (loss) for the period | 5,40,155.00 | 19,18,062.00 |
| 15 | Share of profit (loss) of associates | 2,160.00 | 10,727.00 |
| 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 | 5,42,315.00 | 19,28,789.00 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 99,465.00 | 99,465.00 | |
| Face value of equity share capital | 1 | 1 | |
| 19 | Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) | 1,80,11,810.00 | |
| 20 | Analytical ratios | ||
| (i) | Percentage of share held by government of India | 0 | 0 |
| (ii) | Capital adequacy ratio | ||
| CET 1 ratio | 22.0800 | 22.0800 | |
| Additional Tier 1 ratio | 0 | 0 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 5.45 | 19.4 | |
| Diluted earnings per share before extraordinary items | 5.45 | 19.39 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 5.45 | 19.4 | |
| Diluted earnings per share after extraordinary items | 5.45 | 19.39 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 7,04,566.00 | 7,04,566.00 | |
| Amount of net non-performing assets | 1,73,032.00 | 1,73,032.00 | |
| % of gross NPAs | 1.2300 | 1.2300 | |
| % of net NPAs | 0.3100 | 0.3100 | |
| Return on assets | 0.5600 | 2.0800 | |
| 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 | 31-03-2026 | ||
| Whether results are audited or unaudited | Audited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| 1 | Capital and liabilities | ||
| Capital | 99,465.00 | ||
| Reserves and surplus | 1,80,11,810.00 | ||
| Deposits | 5,66,94,033.00 | ||
| Borrowings | 95,39,353.00 | ||
| Other liabilities and provisions | |||
| 1 | Employees’ Stock Options/Units (Grants) Outstanding | 11,312.00 | |
| 2 | Policyholder’s Funds | 96,16,834.00 | |
| 3 | Other Liabilities and Provisions | 63,62,472.00 | |
| Total of Other liabilities and provisions | 1,59,90,618.00 | ||
| Total Capital Liabilities | 10,03,35,279.00 | ||
| 2 | ASSETS | ||
| Cash and Balances with Reserve Bank of India | 51,28,174.00 | ||
| Balances with Banks and money at call and short notice | 50,80,937.00 | ||
| Investments | 2,90,63,280.00 | ||
| Advances | 5,65,76,788.00 | ||
| Fixed Assets | 2,85,280.00 | ||
| Other Assets | |||
| 1 | Other Assets | 41,06,044.00 | |
| 2 | Goodwill on consolidation | 94,776.00 | |
| Total of Other Assets | 42,00,820.00 | ||
| Total Assets | 10,03,35,279.00 | ||
| 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 | 01-01-2026 | 01-04-2025 | |||||
| Date of end of reporting period | 31-03-2026 | 31-03-2026 | |||||
| Whether results are audited or unaudited | Audited | Audited | |||||
| 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 | 3,19,400.00 | 13,39,107.00 | ||||
| 2 | Retail Banking | 8,55,023.00 | 34,43,433.00 | ||||
| 3 | Corporate / Wholesale Banking | 6,98,489.00 | 26,15,879.00 | ||||
| 4 | Vehicle Financing | 1,06,976.00 | 4,35,779.00 | ||||
| 5 | Other Lending Activities | 58,491.00 | 2,26,581.00 | ||||
| 6 | Broking | 1,29,375.00 | 4,71,622.00 | ||||
| 7 | Advisory and Transactional Services | 36,670.00 | 1,10,959.00 | ||||
| 8 | Asset Management | 73,170.00 | 3,35,852.00 | ||||
| 9 | Insurance | 7,29,857.00 | 26,01,137.00 | ||||
| Total Segment Revenue | 30,07,451.00 | 1,15,80,349.00 | |||||
| Less: Inter segment revenue | 1,96,691.00 | 8,23,979.00 | |||||
| Income from operations | 28,10,760.00 | 1,07,56,370.00 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury, BMU and Corporate Centre | 1,77,898.00 | 5,72,327.00 | ||||
| 2 | Retail Banking | 1,69,852.00 | 5,65,321.00 | ||||
| 3 | Corporate / Wholesale Banking | 2,43,251.00 | 8,26,911.00 | ||||
| 4 | Vehicle Financing | 18,587.00 | 79,591.00 | ||||
| 5 | Other Lending Activities | 17,034.00 | 65,158.00 | ||||
| 6 | Broking | 41,571.00 | 1,50,571.00 | ||||
| 7 | Advisory and Transactional Services | 14,295.00 | 24,180.00 | ||||
| 8 | Asset Management | 38,444.00 | 2,06,246.00 | ||||
| 9 | Insurance | 23,389.00 | 1,08,967.00 | ||||
| Total Profit before tax | 7,44,321.00 | 25,99,272.00 | |||||
| i. Finance cost | |||||||
| ii. Other Unallocable Expenditure net off Unallocable income | |||||||
| Profit before tax | 7,44,321.00 | 25,99,272.00 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury, BMU and Corporate Centre | 2,68,38,043.00 | 2,68,38,043.00 | ||||
| 2 | Retail Banking | 4,99,20,158.00 | 4,99,20,158.00 | ||||
| 3 | Corporate / Wholesale Banking | 3,08,80,768.00 | 3,08,80,768.00 | ||||
| 4 | Vehicle Financing | 36,88,333.00 | 36,88,333.00 | ||||
| 5 | Other Lending Activities | 22,66,582.00 | 22,66,582.00 | ||||
| 6 | Broking | 31,10,315.00 | 31,10,315.00 | ||||
| 7 | Advisory and Transactional Services | 1,24,885.00 | 1,24,885.00 | ||||
| 8 | Asset Management | 9,98,169.00 | 9,98,169.00 | ||||
| 9 | Insurance | 1,07,55,472.00 | 1,07,55,472.00 | ||||
| Total Segment Assets | 12,85,82,725.00 | 12,85,82,725.00 | |||||
| Un-allocable Assets | (2,82,47,446.00) | (2,82,47,446.00) | |||||
| Net Segment Assets | 10,03,35,279.00 | 10,03,35,279.00 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury, BMU and Corporate Centre | 2,14,09,789.00 | 2,14,09,789.00 | ||||
| 2 | Retail Banking | 4,45,58,436.00 | 4,45,58,436.00 | ||||
| 3 | Corporate / Wholesale Banking | 2,72,37,291.00 | 2,72,37,291.00 | ||||
| 4 | Vehicle Financing | 20,13,651.00 | 20,13,651.00 | ||||
| 5 | Other Lending Activities | 23,77,207.00 | 23,77,207.00 | ||||
| 6 | Broking | 26,58,497.00 | 26,58,497.00 | ||||
| 7 | Advisory and Transactional Services | 31,834.00 | 31,834.00 | ||||
| 8 | Asset Management | 56,953.00 | 56,953.00 | ||||
| 9 | Insurance | 99,36,109.00 | 99,36,109.00 | ||||
| Total Segment Liabilities | 11,02,79,767.00 | 11,02,79,767.00 | |||||
| Un-allocable Liabilities | (99,44,488.00) | (99,44,488.00) | |||||
| Net Segment Liabilities | 10,03,35,279.00 | 10,03,35,279.00 | |||||
| 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 | 31-03-2026 |
| C | Whether results are audited or unaudited | Audited |
| 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 | 25,99,272.00 | |
| 2 | Adjustments for reconcile profit (loss) | |
| Adjustments to profit (loss) | ||
| Adjustments for finance costs | 0.00 | |
| Adjustments for depreciation and amortisation expense | 1,13,154.00 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 3,90,039.00 | |
| Adjustments for unrealised foreign exchange losses gains | 0.00 | |
| Adjustments for dividend income | 0.00 | |
| Adjustments for share-based payments | 6,682.00 | |
| Other adjustments for which cash effects are investing or financing cash flow | (90,515.00) | |
| 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) | 4,19,360.00 | |
| 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 | (82,52,625.00) | |
| Adjustments for increase (decrease) in trade payables | 0.00 | |
| Adjustments for increase (decrease) in other current liabilities | 1,00,49,978.00 | |
| Adjustments for provisions | 0.00 | |
| Total adjustments for working capital | 17,97,353.00 | |
| Total adjustments for reconcile profit (loss) | 22,16,713.00 | |
| Net cash flows from (used in) operations | 48,15,985.00 | |
| Dividends received | 0.00 | |
| Interest paid | 0.00 | |
| Interest received | 0.00 | |
| Income taxes paid (refund) | 6,43,333.00 | |
| Other inflows (outflows) of cash | 0.00 | |
| Net cash flows from (used in) operating activities before extraordinary items | 41,72,652.00 | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) operating activities | 41,72,652.00 | |
| 4 | Cash flows from used in investing activities | |
| Cash flows from losing control of subsidiaries or other businesses | 1,27,781.00 | |
| 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 | 16,76,093.00 | |
| 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 | 2,195.00 | |
| Purchase of tangible assets | 1,05,796.00 | |
| 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 | (16,51,913.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) investing activities | (16,51,913.00) | |
| 5 | Cash flows from used in financing activities | |
| Proceeds from issuing shares | 18,717.00 | |
| Proceeds from issuing other equity instruments | 0.00 | |
| Proceeds from issuing debentures notes bonds etc | 0.00 | |
| Proceeds from borrowings | (2,22,850.00) | |
| 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 | (2,53,843.00) | |
| Proceeds from extraordinary items | 0.00 | |
| Payment for extraordinary items | 0.00 | |
| Net cash flows from (used in) financing activities | (2,53,843.00) | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | 22,66,896.00 | |
| 6 | Effect of exchange rate changes on cash and cash equivalents | |
| Effect of exchange rate changes on cash and cash equivalents | 36,040.00 | |
| Net increase (decrease) in cash and cash equivalents | 23,02,936.00 | |
| 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 | 1,02,09,111.00 | |
| Whether results are audited or unaudited | Audited |
|---|---|
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Auditor's opinion | |
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results | Yes |
| Sr No. | Audit firm's name | Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI | Certificate valid upto | ||
| 1 | M/s. Deloitte Haskins & Sells | Yes | 31-03-2027 | ||
|---|---|---|---|---|---|
| 2 | M/s. M M Nissim & Co LLP | Yes | 31-03-2028 | ||