Kotak Mahindra Bank Limited
Kotak Mahindra Bank Limited operates in Private Sector Bank, part of the Financial Services sector. It booked ₹19,856 cr of revenue in its latest quarter (Q2 FY27) and kept 28.4% of sales as profit. It is the 3rd largest of 9 Private Sector Bank companies we track, by market value.
| Segment | FY21 | FY22 | FY24 | FY25 | FY26 | Share |
|---|---|---|---|---|---|---|
| Retail Banking | 0.14 | 0.15 | 0.28 | 0.34 | 0.34 | 23% → 30% |
| Corporate / Wholesale Banking | 0.13 | 0.14 | 0.23 | 0.25 | 0.26 | 21% → 23% |
| Insurance | 0.18 | 0.18 | 0.28 | 0.25 | 0.26 | 29% → 22% |
| Treasury, BMU and Corporate Centre | 0.10 | 0.09 | 0.11 | 0.13 | 0.13 | 16% → 12% |
| Broking | 0.02 | 0.02 | 0.03 | 0.04 | 0.05 | 3% → 4% |
| Vehicle Financing | 0.02 | 0.02 | 0.03 | 0.04 | 0.04 | 3% → 4% |
| Asset Management | 0.01 | 0.01 | 0.02 | 0.03 | 0.03 | 2% → 3% |
| Other Lending Activities | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 2% → 2% |
| Advisory and Transactional Services | 0.00 | 0.01 | 0.01 | 0.02 | 0.01 | 1% → 1% |
| - | — | — | — | — | — | — |
| Total | 0.62 | 0.64 | 1.02 | 1.12 | 1.16 |
From the company's consolidated segment filings (Ind AS 108). Margin is segment operating profit (before interest & tax) over segment revenue; reconciliation rows like inter-segment eliminations are excluded from the mix.
Healthier than 55% of companies in Financial Services, on the 4 of 6 measures we could read for it. Each measure is ranked against the 102–253 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 69
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold
Not measurable for this company: balance sheet, growth & consistency. Those pillars are left out of the score rather than counted as zero.
What if I invest in KOTAKBANK?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-11-03.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Interest Earned | ₹19,856 cr |
| Other Income | ₹9,571 cr |
| Total Income | ₹29,427 cr |
| Interest Expended | ₹8,681 cr |
| Employee Cost | ₹3,369 cr |
| Other Operating Expenses | ₹9,027 cr |
| Total Expenditure | ₹21,076 cr |
| Operating Profit before Provisions | ₹8,351 cr |
| Provisions & Contingencies | ₹820 cr |
| Profit before Tax | ₹7,530 cr |
| Tax Expense | ₹1,896 cr |
| Share of Associates | ₹11 cr |
| Net Profit | ₹5,634 cr |
| Net margin on total income | 19.1% |
Not enough income-statement detail filed to break this down yet.
| Metric | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Revenue | 17,827 cr | 18,355 cr | 19,856 cr |
| Total income | 28,108 cr | 30,069 cr | 29,427 cr |
| Expenses | — | — | — |
| Profit before tax | 7,443 cr | 7,509 cr | 7,530 cr |
| Tax | 2,042 cr | 2,022 cr | 1,896 cr |
| Net profit (owners' share) | 5,402 cr | 5,487 cr | 5,634 cr |
| Net margin (owners' share, on revenue) | 30.3% | 29.9% | 28.4% |
| EPS (₹) | 5.45 | 5.51 | 5.68 |
Lender caveat: a bank's operating cash swings with deposits and lending — this is loan-book activity, not distress.
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹726 | ₹11.19 L cr | 13.5 | 13.7% | 21.8% | — |
| ICICI Bank Limited | ₹1,425 | ₹10.23 L cr | 15.6 | 16.9% | 30.9% | — |
| Kotak Mahindra Bank Limitedthis company | ₹465 | ₹4.62 L cr | 20.5 | 11.6% | 28.4% | — |
| Axis Bank Limited | ₹1,233 | ₹3.84 L cr | 12.4 | 13.3% | 20.1% | — |
| IDBI Bank Limited | ₹78 | ₹83,482 cr | 9.4 | 12.3% | 26.1% | — |
| The Federal Bank Limited | ₹334 | ₹82,526 cr | 13.7 | 14.2% | 18.7% | — |
| IndusInd Bank Limited | ₹857 | ₹66,753 cr | 13.4 | 7.3% | 10.5% | — |
| IDFC First Bank Limited | ₹73 | ₹63,119 cr | 15.0 | 8.5% | 8.8% | — |
| RBL Bank Limited | ₹350 | ₹54,338 cr | 27.2 | 4.6% | 11.5% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Dividend | ₹0.65 / share | 17 Jul 2026 |
| Stock split | Stock Split From Rs.5/- to Rs.1/- | 14 Jan 2026 |
| Dividend | ₹2.5 / share | 18 Jul 2025 |
| Dividend | ₹2 / share | 19 Jul 2024 |
| Dividend | ₹1.5 / share | 4 Aug 2023 |
| Dividend | ₹1.1 / share | 11 Aug 2022 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.
Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.
Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.