Results Snapshot
Figures in Cr
Standalone Annual Results
Mar'25
Mar'24
Mar'23
Mar'22
Mar'21
Mar'20
Mar'19
Interest Earned
52,919.73
45,798.91
34,250.85
27,038.82
26,840.28
26,929.61
23,890.06
Income On Investments
10,828.90
8,898.08
6,458.65
6,689.26
6,833.41
5,257.25
4,872.77
Interest On Balances With Rbi Other Inter Bank Funds
894.53
779.38
550.29
723.42
1,174.74
381.24
381.43
Interest / Discount On Advances / Bills
40,746.17
35,657.99
26,978.45
19,378.69
18,589.08
20,999.24
18,318.10
Others
450.13
463.46
263.46
247.45
243.05
291.88
317.76
Other Income
14,938.39
10,273.10
7,083.05
5,985.92
5,006.51
5,372.11
4,657.18
Total Income
67,858.12
56,072.01
41,333.90
33,024.74
31,846.79
32,301.72
28,547.24
Interest Expended
24,577.95
19,805.71
12,698.93
10,220.91
11,500.62
13,429.95
12,684.25
Net Interest Income
28,341.78
25,993.20
21,551.92
16,817.91
15,339.66
13,499.66
11,205.81
Total Expenditure (Excl Depreciation)
18,753.70
16,678.85
13,786.99
10,752.96
8,584.14
8,850.94
7,514.81
Employee Cost
7,880.63
6,856.37
5,519.83
4,582.35
3,729.13
3,877.63
3,159.39
Other Operating Expenses
10,873.07
9,822.48
8,267.16
6,170.61
4,855.01
4,973.31
4,355.42
Operating Profit Before Provisions and Contingencies
21,006.57
19,587.45
14,847.98
12,050.87
11,762.03
10,020.83
8,348.18
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
2,942.36
1,573.73
456.99
689.56
2,459.04
2,216.16
962.39
Profit Before Tax
21,584.11
18,013.72
14,390.99
11,361.31
9,302.99
7,804.67
7,385.79
Tax
5,134.03
4,232.14
3,451.69
2,788.62
2,338.15
1,857.49
2,520.46
Profit After Tax
16,450.08
13,781.58
10,939.30
8,572.69
6,964.84
5,947.18
4,865.33
Extraordinary Items
2,682.65
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
13,767.43
13,781.58
10,939.30
8,572.69
6,964.84
5,947.18
4,865.33
Face Value
5.0
5.0
5.0
5.0
5.0
5.0
5.0
Reserves
1,16,151.51
95,645.50
81,966.67
70,964.14
62,236.05
47,558.78
41,444.00
Earnings per share (EPS)
82.74
69.33
55.07
43.19
35.14
31.09
25.49
Diluted Earnings per share
82.74
69.15
54.87
43.01
35.14
30.84
25.32
Operating Profit Margin (Excl OI)
59.0%
60.15%
58.41%
57.68%
58.86%
58.9%
64.52%
Gross Profit Margin
40.79%
39.33%
42.02%
42.02%
34.66%
28.98%
30.92%
PAT Margin
31.08%
30.09%
31.94%
31.71%
25.95%
22.08%
20.37%
Net Interest Margin
4.96%
5.32%
5.33%
4.61%
4.41%
4.72%
4.33%
Return on Assets
2.65%
2.61%
2.47%
2.13%
1.85%
1.87%
1.69%
CASA (%)
43.0%
45.5%
52.8%
60.7%
60.4%
56.2%
52.5%
CASA Amount
2,14,417.00
2,04,304.00
1,91,815.00
1,89,134.00
1,69,313.00
1,47,622.00
1,18,586.00
Capital Adequacy Ratio (Total)
22.25%
20.55%
21.8%
22.69%
22.26%
17.89%
17.45%
Capital Adequacy Ratio (Tier 1)
20.5%
19.2%
20.6%
21.7%
21.38%
17.3%
16.9%
Provision Coverage Ratio (%)
78.0%
75.9%
79.3%
73.2%
63.6%
69.0%
65.4%
Amount of Gross NPAs
6,133.85
5,274.78
5,768.32
6,469.74
7,425.51
5,026.89
4,467.94
Amount of Net NPAs
1,343.44
1,270.57
1,193.30
1,736.71
2,705.17
1,557.89
1,544.37
% of Net NPAs
0.31%
0.34%
0.37%
0.64%
1.21%
0.71%
0.75%
% of Gross NPAs
1.42%
1.39%
1.78%
2.34%
3.25%
2.25%
2.14%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
3295.0
3291.0
2963.0
2705.0
2598.0
2519.0
2352.0
Number of Branches
2148.0
1948.0
1780.0
1700.0
1604.0
1600.0
1500.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Mar 2025 is 15.55% vs 33.72% in Mar 2024
Net Profit
YoY Growth in year ended Mar 2025 is -0.10% vs 25.98% in Mar 2024
Operating Profit (PBDIT)
YoY Growth in year ended Mar 2025 is 7.25% vs 31.92% in Mar 2024
% of Net NPAs
YoY Growth in year ended Mar 2025 is -0.03% vs -0.03% in Mar 2024
% of Gross NPAs
YoY Growth in year ended Mar 2025 is 0.03% vs -0.39% in Mar 2024
Compare Annual Results Of Kotak Mah. Bank With
Figures in Cr
Standalone Annual Results
Change(INR)
Change(%)
Interest Earned
52,919.73
1,63,263.78
-1,10,344.05
-67.59%
Income On Investments
10,828.90
32,980.23
-22,151.33
-67.17%
Interest On Balances With Rbi Other Inter Bank Funds
894.53
2,155.82
-1,261.29
-58.51%
Interest / Discount On Advances / Bills
40,746.17
1,26,404.72
-85,658.55
-67.77%
Others
450.13
1,723.01
-1,272.88
-73.88%
Other Income
14,938.39
28,506.70
-13,568.31
-47.6%
Total Income
67,858.12
1,91,770.48
-1,23,912.36
-64.61%
Interest Expended
24,577.95
82,099.34
-57,521.39
-70.06%
Net Interest Income
28,341.78
81,164.44
-52,822.66
-65.08%
Total Expenditure (Excl Depreciation)
18,753.70
42,372.32
-23,618.62
-55.74%
Employee Cost
7,880.63
16,540.88
-8,660.25
-52.36%
Other Operating Expenses
10,873.07
25,831.44
-14,958.37
-57.91%
Operating Profit Before Provisions and Contingencies
21,006.57
67,298.82
-46,292.25
-68.79%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
2,942.36
4,682.62
-1,740.26
-37.16%
Profit Before Tax
21,584.11
62,616.20
-41,032.09
-65.53%
Tax
5,134.03
15,389.21
-10,255.18
-66.64%
Profit After Tax
16,450.08
47,226.99
-30,776.91
-65.17%
Extraordinary Items
2,682.65
0.00
2,682.65
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
13,767.43
47,226.99
-33,459.56
-70.85%
Face Value
5.00
2.00
0.00
Reserves
1,16,151.51
2,84,843.68
-1,68,692.17
-59.22%
Earnings per share (EPS)
82.74
66.30
16.44
24.8%
Diluted Earnings per share
82.74
65.89
16.85
25.57%
Operating Profit Margin (Excl OI)
59.00%
71.18%
0.00
-12.18%
Gross Profit Margin
40.79%
38.35%
0.00
2.44%
PAT Margin
31.08%
28.93%
0.00
2.15%
Net Interest Margin
4.96%
4.32%
0.64
0.64%
Return on Assets
2.65%
0.00%
2.65
2.65%
CASA (%)
43.00%
38.40%
4.60
4.60%
CASA Amount
2,14,417.00
6,73,729.00
-4,59,312.00
-68.17%
Capital Adequacy Ratio (Total)
22.25%
16.55%
5.70
5.70%
Capital Adequacy Ratio (Tier 1)
20.50%
15.94%
4.56
4.56%
Provision Coverage Ratio (%)
78.00%
76.20%
1.80
1.80%
Amount of Gross NPAs
6,133.85
24,166.18
-18,032.33
-74.62%
Amount of Net NPAs
1,343.44
5,589.41
-4,245.97
-75.96%
% of Net NPAs
0.31%
0.39%
-0.08
-0.08%
% of Gross NPAs
1.42%
1.67%
-0.25
-0.25%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
3,295.00
16,285.00
-12,990.00
-79.77%
Number of Branches
2,148.00
6,983.00
-4,835.00
-69.24%
Annual - Interest Earned
Interest Earned 52919.73 Cr
in Mar 2025Figures in Cr
YoY Growth in year ended Mar 2025 is 15.55% vs 33.72% in Mar 2024
Annual - Net Profit
Net Profit 13,767.43 Cr
in Mar 2025Figures in Cr
YoY Growth in year ended Mar 2025 is -0.10% vs 25.98% in Mar 2024
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 21,006.57 Cr
in Mar 2025Figures in Cr
YoY Growth in year ended Mar 2025 is 7.25% vs 31.92% in Mar 2024
Annual - % of Net NPAs
% of Net NPAs 0.31%
in Mar 2025Figures in %
YoY Growth in year ended Mar 2025 is -0.03% vs -0.03% in Mar 2024
Annual - % of Gross NPAs
% of Gross NPAs 1.42%
in Mar 2025Figures in %
YoY Growth in year ended Mar 2025 is 0.03% vs -0.39% in Mar 2024






