Kotak Mahindra Bank
Kotak Mahindra Bank Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Kotak Mahindra Bank Ltd, framed against the sector median so the premium or discount is obvious at a glance.
Kotak Mahindra Bank Ltd trades at a P/E of 20.82× and P/B of 2.22×, against the Financial Services sector median P/E of 17.67×.
Valuation
Profitability
Growth
Financial Health
Kotak Mahindra Bank Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Kotak Mahindra Bank Ltd, switchable between annual and quarterly views, consolidated or standalone.
Kotak Mahindra Bank Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹4,02,682.64 Cr and reported EPS of ₹19.40.
| Period | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Other Income | 15,969 | 16,826 | 23,884 | 25,142 | 25,830 | 38,037 | 37,407 | 37,782 |
| Total Income | 45,903 | 50,300 | 56,704 | 58,883 | 67,981 | 94,274 | 1,03,076 | 1,07,564 |
| +Non-Operating Expenses | — | — | — | — | — | — | 3,803 | 368 |
| Profit Before Tax (PBT) | 10,576 | 11,422 | 13,168 | 15,948 | 19,646 | 23,863 | 28,989 | 25,993 |
| Tax Expense | 3,456 | 2,815 | 3,265 | 4,016 | 4,866 | 5,887 | 7,043 | 6,812 |
| Profit After Tax (PAT) | 7,120 | 8,607 | 9,903 | 11,932 | 14,780 | 17,977 | 21,946 | 19,181 |
| Earnings Per Share (EPS) | 7.55 | 8.98 | 10.08 | 12.18 | 15.03 | 18.32 | 22.26 | 19.39 |
| Diluted Shares Outstanding (Nos.) | 954 | 957 | 991 | 992 | 993 | 994 | 994 | 995 |
| +Banking Income | 45,903 | 50,300 | 56,704 | 58,883 | 67,981 | 94,274 | 1,03,076 | 1,07,564 |
| +Banking Expenses | 34,282 | 36,320 | 40,276 | 42,163 | 47,895 | 68,438 | 74,031 | 78,038 |
| +Asset Quality & Capital | 4,789 | 5,488 | 8,276 | 7,334 | 6,419 | 6,003 | 7,112 | 7,046 |
| +Additional Disclosures | 84 | -14 | 87 | 158 | 145 | 236 | 180 | 107 |
| Tax % | 33 | 25 | 25 | 25 | 25 | 25 | 24 | 26 |
| Profit Growth % | — | 20.89 | 15.06 | 20.49 | 23.87 | 21.63 | 22.08 | -12.60 |
Kotak Mahindra Bank segment analysis: revenue and profit mix.
Disclosed business segments at Kotak Mahindra Bank with their share of revenue and profit, switchable between consolidated and standalone reporting.
Kotak Mahindra Bank discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
Kotak Mahindra Bank Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Kotak Mahindra Bank Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Kotak Mahindra Bank Ltd's investment case rests on 8 positive markers and 8 flagged concerns drawn from the latest reported filings.
What you're getting.
Kotak Mahindra Bank demonstrates strong profitability with a healthy Return on Equity (ROE) of 15.40% and an impressive Operating Profit Margin (OPM) of 27.80%, indicating efficient operations and effective cost management.
The bank maintains a significant market presence with a robust market capitalization of ₹427,744 crore, reflecting strong investor confidence and its established position within the competitive Indian banking sector.
Despite market fluctuations, the bank shows resilience with a positive quarterly sales growth of 4.70%, suggesting consistent business expansion and a stable revenue generation capability.
Institutional investors show strong confidence, with FIIs holding 29.75% and DIIs holding 32.02% as of September 2025, indicating a robust belief in the bank's long-term prospects and stability.
The expanding Indian financial services sector, driven by increasing credit demand and digital adoption, presents significant growth avenues for Kotak Mahindra Bank to broaden its customer base and product offerings.
What can break it.
Kotak Mahindra Bank's high debt-to-equity ratio of 3.62 raises concerns about its financial leverage, potentially increasing risk and vulnerability to economic downturns, impacting future profitability.
The bank experienced a notable decline in quarterly profit, with a variation of -11.40%, which could signal challenges in maintaining consistent earnings growth and operational efficiency.
A relatively low promoter holding of 25.9% might raise concerns regarding corporate governance or potential vulnerability to external pressures, possibly affecting long-term strategic decisions.
The stock has shown significant volatility, trading between a 52-week high of ₹2302 and a low of ₹1679, indicating market uncertainty and potential risks for investor returns.
Intensifying competition from established private sector banks and emerging fintech companies could pressure Kotak Mahindra Bank's market share and net interest margins, impacting profitability.
What would change my mind.
Trim if P/E re-rates above 27 (~1.5× the sector multiple of 17.7). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 1.00. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
Kotak Mahindra Bank Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Kotak Mahindra Bank Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
Kotak Mahindra Bank Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Kotak Mahindra Bank Ltd — derived from the live tape, not yesterday's close.
Kotak Mahindra Bank Ltd last traded at ₹405.75 with an intraday range of ₹402.45–₹411 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹405.75| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 427.45 | +21.70 | +5.35% |
| R3 | 418.90 | +13.15 | +3.24% |
| R2 | 414.95 | +9.20 | +2.27% |
| R1 | 410.35 | +4.60 | +1.13% |
| PIVOT | 406.40 | 0.65 | 0.16% |
| CURRENT | 405.75 | — | — |
| S1 | 384.70 | -21.05 | -5.19% |
| S2 | 393.25 | -12.50 | -3.08% |
| S3 | 397.85 | -7.90 | -1.95% |
| S4 | 401.80 | -3.95 | -0.97% |
KOTAKBANK is trading Below CPR, indicating Bearishness
CPR is Average
Day's range: 405.05 ~ 411
Trading Above opening range, showing Bullishness
Kotak Mahindra Bank Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Kotak Mahindra Bank Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Kotak Mahindra Bank Ltd stood at 63.8% of traded volume, against a 20-day average of 62.3%.
Kotak Mahindra Bank announcements: results, concalls, ratings, M&A.
Filings Kotak Mahindra Bank sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Kotak Mahindra Bank files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 202 documents below.
Analysts/Institutional Investor Meet/Con. Call Updates
Kotak Mahindra Bank Limited has informed the Exchange about Schedule of meet
General Updates
Acquisition by way of direct assignment of loan portfolio and non-treasury investments from Kotak Mahindra Investments Limited
General Updates
Kotak Mahindra Bank Limited has informed the Exchange about General Updates
General Updates
Investor Presentation for the Earnings Conference Call on the Consolidated and Standalone Audited Financial Results of the Bank for the Financial…
Press Release
Kotak Mahindra Bank Limited has informed the Exchange regarding a press release dated May 02, 2026, titled "Media Release on the Consolidated and…
Investor decks & rating reports.
General Updates
General Updates
General Updates
General Updates
General Updates
Kotak Mahindra Bank insider trading: promoter and management activity.
Promoter, director and designated-employee transactions in Kotak Mahindra Bank as reported to SEBI — buying and selling signals from the people who know the business best.
Kotak Mahindra Bank insider activity below tracks 30 reported promoter, director and designated-employee transactions under SEBI Regulation 7(2).
| Insider | Category | Txn Date | Action | Quantity | Value (₹) | Price |
|---|---|---|---|---|---|---|
| Puneet Kapoor | Insider | 28 Mar 2025 | sell | −2.0 K | ₹43.32 L | ₹2,166.00 |
| Jyotsna Singh | Insider | 28 Mar 2025 | sell | −30 | ₹64,482 | ₹2,149.40 |
| Puneet Kapoor | Insider | 25 Mar 2025 | sell | −1.2 K | ₹25.12 L | ₹2,177.17 |
| Bhaskaran V | Insider | 24 Mar 2025 | sell | −1.0 K | ₹21.79 L | ₹2,179.00 |
| Venkattu Srinivasan | Insider | 24 Mar 2025 | sell | −13.0 K | ₹2.73 Cr | ₹2,100.00 |
| Venkattu Srinivasan | Insider | 22 Mar 2025 | sell | −10.0 K | ₹2.06 Cr | ₹2,060.00 |
| Bhaskaran V | Insider | 21 Mar 2025 | sell | −1.0 K | ₹20.72 L | ₹2,071.90 |
| Jyotsna Singh | Insider | 19 Mar 2025 | sell | −400 | ₹8.19 L | ₹2,046.43 |
| Venkattu Srinivasan | Insider | 19 Mar 2025 | sell | −1.0 K | ₹20.42 L | ₹2,042.00 |
| Venkattu Srinivasan | Insider | 18 Mar 2025 | sell | −10.0 K | ₹2.1 Cr | ₹2,100.00 |
Kotak Mahindra Bank dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Kotak Mahindra Bank has declared, sequenced by announce and record date.
Kotak Mahindra Bank corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Kotak Mahindra Bank Ltd: business, sector, key facts.
What Kotak Mahindra Bank Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Kotak Mahindra Bank Ltd operates in the Financial Services, listed as NSE: KOTAKBANK, BSE: 500247.
Kotak Mahindra Bank Limited (Kotak Bank) is a prominent Indian financial services company offering a wide array of banking and financial solutions to both individual and corporate clients. Their operations span diverse segments, including treasury management, corporate banking, retail banking, digital banking, vehicle financing, and various other lending activities. This broad scope allows them to cater to a vast customer base with varied financial needs.
The bank's retail banking services encompass a comprehensive range of accounts, including savings, current, and salary accounts, along with a variety of fixed deposit options tailored to different customer profiles. In addition to deposit accounts, they offer an extensive portfolio of loan products. These include personal, home, business, and vehicle loans, as well as specialized financing for education, agriculture, and commercial purposes. Further, they provide loans secured by assets like properties and securities.
Kotak Bank's corporate and wholesale banking division caters to the financial requirements of businesses of all sizes. They provide financing solutions such as working capital finance, trade and supply chain financing, and equipment financing for various industries. The bank also offers sophisticated cash management services utilizing both digital and physical channels, including payment gateways and collection services. Furthermore, they provide valuable business support services, covering areas like business management, human resources, and supply chain logistics.
Beyond traditional banking, Kotak Bank actively participates in other financial sectors. This includes investment products, offering various avenues for wealth creation. They also have a strong presence in the insurance sector, offering a comprehensive selection of policies encompassing life, health, vehicle, and other insurance needs. Their advisory and transactional services extend to the broking and asset management fields, adding further diversification to their business model. Finally, Kotak Bank offers specialized services for Non-Resident Indians (NRIs) and provides advanced digital banking solutions for enhanced customer convenience.
In summary, Kotak Bank's success stems from its diversified business strategy, encompassing a wide range of financial services catering to both individuals and corporations. This integrated approach allows them to provide comprehensive financial solutions and maintain a strong position in the competitive Indian financial market. Their commitment to both traditional banking and innovative financial products positions them for continued growth and success.
Questions investors ask about Kotak Mahindra Bank Ltd (KOTAKBANK).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Kotak Mahindra Bank Ltd (KOTAKBANK)?
The current share price of Kotak Mahindra Bank Ltd (KOTAKBANK) is ₹405.75. Today, the stock has gained by ₹2.45 (0.61%), trading in a range of ₹402.45 to ₹411. The stock opened at ₹408 with a trading volume of 1,42,69,679 shares.
02Is Kotak Mahindra Bank Ltd stock a good investment for long-term?
Kotak Mahindra Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹4,02,682.64 crores, P/E ratio of 20.82, ROE of 11.39%, and ROCE of 8.17%. The dividend yield stands at 0.12%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Kotak Mahindra Bank Ltd stock?
The 52-week high price of Kotak Mahindra Bank Ltd (KOTAKBANK) is ₹2,266, while the 52-week low is ₹345.5. Currently trading at ₹405.75, the stock is 3.1% away from its 52-week low and 82.1% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Kotak Mahindra Bank Ltd stock at the current price?
Whether to buy Kotak Mahindra Bank Ltd stock at ₹405.75 depends on multiple factors. The stock is currently trading with a P/E ratio of 20.82 and P/B ratio of 2.22. Today's performance shows a gain of 0.61%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Kotak Mahindra Bank Ltd and when is the next dividend?
Kotak Mahindra Bank Ltd offers a dividend yield of 0.12%, which means for every ₹100 invested at the current price of ₹405.75, you can expect to receive approximately ₹0.12 annually as dividends. The face value of the stock is ₹5.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Kotak Mahindra Bank Ltd?
Kotak Mahindra Bank Ltd's key financial metrics include: P/E Ratio: 20.82, P/B Ratio: 2.22, ROE: 11.39%, ROCE: 8.17%, Dividend Yield: 0.12%, EPS: ₹19.40, Book Value: ₹182.12, and Debt-to-Equity: 0.00. The company's market cap stands at ₹4,02,682.64 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Kotak Mahindra Bank Ltd stock performing today in the market?
Kotak Mahindra Bank Ltd stock opened at ₹408 and is currently trading at ₹405.75, showing a gain of ₹2.45 (0.61%). The intraday high is ₹411 and low is ₹402.45. The trading volume stands at 1,42,69,679 shares, indicating strong market participation today.
08What is the P/E ratio of Kotak Mahindra Bank Ltd and what does it indicate?
Kotak Mahindra Bank Ltd has a Price-to-Earnings (P/E) ratio of 20.82, which means investors are willing to pay ₹20.82 for every ₹1 of earnings. With an EPS of ₹19.40, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Kotak Mahindra Bank Ltd (KOTAKBANK) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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