Kotak Mahindra Bank Ltd Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

55,563.97

52,919.73

45,798.91

34,250.85

27,038.82

26,840.28

26,929.61

Income On Investments

10,835.62

10,828.90

8,898.08

6,458.65

6,689.26

6,833.41

5,257.25

Interest On Balances With Rbi Other Inter Bank Funds

1,122.54

894.53

779.38

550.29

723.42

1,174.74

381.24

Interest / Discount On Advances / Bills

43,055.01

40,746.17

35,657.99

26,978.45

19,378.69

18,589.08

20,999.24

Others

550.80

450.13

463.46

263.46

247.45

243.05

291.88

Other Income

11,623.29

14,938.39

10,273.10

7,083.05

5,985.92

5,006.51

5,372.11

Total Income

67,187.26

67,858.12

56,072.01

41,333.90

33,024.74

31,846.79

32,301.72

Interest Expended

25,553.90

24,577.95

19,805.71

12,698.93

10,220.91

11,500.62

13,429.95

Net Interest Income

30,010.07

28,341.78

25,993.20

21,551.92

16,817.91

15,339.66

13,499.66

Total Expenditure (Excl Depreciation)

19,566.46

18,753.70

16,678.85

13,786.99

10,752.96

8,584.14

8,850.94

Employee Cost

8,351.67

7,880.63

6,856.37

5,519.83

4,582.35

3,729.13

3,877.63

Other Operating Expenses

11,214.79

10,873.07

9,822.48

8,267.16

6,170.61

4,855.01

4,973.31

Operating Profit Before Provisions and Contingencies

22,066.90

21,006.57

19,587.45

14,847.98

12,050.87

11,762.03

10,020.83

Exceptional Items

0.00

Provisions and contingencies

3,481.18

2,942.36

1,573.73

456.99

689.56

2,459.04

2,216.16

Profit Before Tax

18,585.72

21,584.11

18,013.72

14,390.99

11,361.31

9,302.99

7,804.67

Tax

4,578.02

5,134.03

4,232.14

3,451.69

2,788.62

2,338.15

1,857.49

Profit After Tax

14,007.70

16,450.08

13,781.58

10,939.30

8,572.69

6,964.84

5,947.18

Extraordinary Items

0.00

2,682.65

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

14,007.70

13,767.43

13,781.58

10,939.30

8,572.69

6,964.84

5,947.18

Face Value

1.0

5.0

Reserves

1,34,203.94

1,16,151.51

95,645.50

81,966.67

70,964.14

62,236.05

47,558.78

Earnings per share (EPS)

14.08

16.55

69.33

55.07

43.19

35.14

31.09

Diluted Earnings per share

14.09

16.55

69.15

54.87

43.01

35.14

30.84

Operating Profit Margin (Excl OI)

58.52%

59.0%

60.15%

58.41%

57.68%

58.86%

58.9%

Gross Profit Margin

33.45%

40.79%

39.33%

42.02%

34.66%

28.98%

PAT Margin

25.21%

31.08%

30.09%

31.94%

31.71%

25.95%

22.08%

Net Interest Margin

4.6%

4.96%

5.32%

5.33%

4.61%

4.41%

4.72%

Return on Assets

1.97%

2.65%

2.61%

2.47%

2.13%

1.85%

1.87%

CASA (%)

43.3%

43.0%

45.5%

52.8%

60.7%

60.4%

56.2%

CASA Amount

2,47,723.00

2,14,417.00

2,04,304.00

1,91,815.00

1,89,134.00

1,69,313.00

1,47,622.00

Capital Adequacy Ratio (Total)

22.4%

22.25%

20.55%

21.8%

22.69%

22.26%

17.89%

Capital Adequacy Ratio (Tier 1)

21.3%

20.5%

19.2%

20.6%

21.7%

21.38%

17.3%

Provision Coverage Ratio (%)

79.0%

78.0%

75.9%

79.3%

73.2%

63.6%

69.0%

Amount of Gross NPAs

6,017.81

6,133.85

5,274.78

5,768.32

6,469.74

7,425.51

5,026.89

Amount of Net NPAs

1,262.51

1,343.44

1,270.57

1,193.30

1,736.71

2,705.17

1,557.89

% of Net NPAs

0.25%

0.31%

0.34%

0.37%

0.64%

1.21%

0.71%

% of Gross NPAs

1.2%

1.42%

1.39%

1.78%

2.34%

3.25%

2.25%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2727.0

3295.0

3291.0

2963.0

2705.0

2598.0

2519.0

Number of Branches

2276.0

2148.0

1948.0

1780.0

1700.0

1604.0

1600.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 5.0% vs 15.55% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is 1.75% vs -0.10% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is 5.05% vs 7.25% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.06% vs -0.03% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -0.22% vs 0.03% in Mar 2025

Compare Annual Results Of Kotak Mah. Bank With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

55,563.97

1,27,032.23

-71,468.26

-56.26%

Income On Investments

10,835.62

25,299.80

-14,464.18

-57.17%

Interest On Balances With Rbi Other Inter Bank Funds

1,122.54

1,273.50

-150.96

-11.85%

Interest / Discount On Advances / Bills

43,055.01

99,508.19

-56,453.18

-56.73%

Others

550.80

950.74

-399.94

-42.07%

Other Income

11,623.29

26,130.85

-14,507.56

-55.52%

Total Income

67,187.26

1,53,163.08

-85,975.82

-56.13%

Interest Expended

25,553.90

70,984.19

-45,430.29

-64.0%

Net Interest Income

30,010.07

56,048.04

-26,037.97

-46.46%

Total Expenditure (Excl Depreciation)

19,566.46

39,362.08

-19,795.62

-50.29%

Employee Cost

8,351.67

12,265.92

-3,914.25

-31.91%

Other Operating Expenses

11,214.79

27,096.16

-15,881.37

-58.61%

Operating Profit Before Provisions and Contingencies

22,066.90

42,816.81

-20,749.91

-48.46%

Exceptional Items

0.00

Provisions and contingencies

3,481.18

13,262.83

-9,781.65

-73.75%

Profit Before Tax

18,585.72

29,553.98

-10,968.26

-37.11%

Tax

4,578.02

5,097.32

-519.30

-10.19%

Profit After Tax

14,007.70

24,456.66

-10,448.96

-42.72%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

14,007.70

24,456.66

-10,448.96

-42.72%

Face Value

1.00

2.00

0.00

Reserves

1,34,203.94

2,03,572.63

-69,368.69

-34.08%

Earnings per share (EPS)

14.08

78.69

-64.61

-82.11%

Diluted Earnings per share

14.09

78.31

-64.22

-82.01%

Operating Profit Margin (Excl OI)

58.52%

58.57%

0.00

-0.05%

Gross Profit Margin

33.45%

23.26%

0.00

10.19%

PAT Margin

25.21%

19.25%

0.00

5.96%

Net Interest Margin

4.60%

3.69%

0.91

0.91%

Return on Assets

1.97%

0.00%

1.97

1.97%

CASA (%)

43.30%

40.00%

3.30

3.30%

CASA Amount

2,47,723.00

5,28,912.00

-2,81,189.00

-53.16%

Capital Adequacy Ratio (Total)

22.40%

16.42%

5.98

5.98%

Capital Adequacy Ratio (Tier 1)

21.30%

14.78%

6.52

6.52%

Provision Coverage Ratio (%)

79.00%

70.00%

9.00

9.00%

Amount of Gross NPAs

6,017.81

16,083.65

-10,065.84

-62.58%

Amount of Net NPAs

1,262.51

4,789.59

-3,527.08

-73.64%

% of Net NPAs

0.25%

0.37%

-0.12

-0.12%

% of Gross NPAs

1.20%

1.23%

-0.03

-0.03%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

2,727.00

12,796.00

-10,069.00

-78.69%

Number of Branches

2,276.00

6,275.00

-3,999.00

-63.73%

Annual - Interest Earned

Interest Earned 55563.97 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 5.0% vs 15.55% in Mar 2025

Annual - Net Profit

Net Profit 14,007.70 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 1.75% vs -0.10% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 22,066.90 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 5.05% vs 7.25% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.25%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.06% vs -0.03% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 1.20%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.22% vs 0.03% in Mar 2025