Kotak Bank Financial Statements

Kotak Bank (KOTAKBANK) reported revenue of ₹1,079.48B in FY2026 with net income of ₹192.88B. Total assets stood at ₹10.03T. Net worth was ₹1,812.26B (₹181,226 Cr) and free cash flow was ₹406.69B.

Kotak Bank Income Statement

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FY 2025 – FY 2026

Item	Chart	2025	2026
Op. Income Operating Income		656.69B	697.81B
Other Income		412.33B	381.66B
Total Income		1,069.02B	1,079.48B
Interest Exp. Interest Expenditure		282.75B	296.20B
Op. Expense Operating Expense		457.79B	484.34B
Provisions Provisions & Contingencies		109.03B	107.12B
Net Income		221.26B	192.88B
Dil. Shares Diluted Shares		9.94B	9.95B
Diluted EPS		22.26	19.39

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows Kotak Bank's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

Kotak Bank Balance Sheet

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FY 2025 – FY 2026

Item	Chart	2025	2026
Cash		417.48B	512.82B
Loans & adv. Loans & advances		4,861.66B	5,657.68B
Investments		2,842.55B	2,906.33B
Total assets		8,797.74B	10.03T
Borrowings		976.22B	953.94B
Deposits		4,947.07B	5,669.40B
Total liabilities		7,222.85B	8,221.27B
Total equity		1,574.89B	1,812.26B
Total liab. & eq. Total liabilities & equity		8,797.74B	10.03T

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures Kotak Bank's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

Kotak Bank Cash Flow Statement

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FY 2025 – FY 2026

Item	Chart	2025	2026
Net Income		219.46B	259.93B
Operating CF Cash flow Operating Activities		169.16B	417.27B
Capex Investments in PPE		-12.13B	-10.58B
Investing CF Cash flow Investing Activities		-252.72B	-165.19B
Dividend Paid		-3.98B	-4.97B
Financing CF Cash flow Financing Activities		221.65B	-25.38B
Cash (start) Cash at beginning of period		652.06B	790.62B
Cash (end) Cash at end of period		790.62B	1,020.91B
FCF Free Cash Flow		157.03B	406.69B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how Kotak Bank's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2026