Here's what the numbers show for Kotak Mahindra Bank Ltd. (KOTAKBANK): a look at its financials, valuation, and ownership data.
Kotak Bank Revenue Trend
The top line barely moved: Kotak Mahindra Bank Ltd. reported ₹1,07,947 Cr in FY2026, about the same as FY2025.
Zoom out, though, and the picture brightens. The 10-year revenue CAGR of 14.4% shows Kotak Mahindra Bank Ltd. growing at a solid clip.
With annual revenue of ₹1,07,947 Cr, Kotak Mahindra Bank Ltd. ranks among the major players in the banks space.
10 straight years of revenue growth isn't a blip; the trajectory for Kotak Mahindra Bank Ltd. is clear.
| Year | Revenue | YoY % |
|---|---|---|
| FY2026 | ₹1,07,947 Cr | +1.0% |
| FY2025 | ₹1,06,902 Cr | +13.4% |
| FY2024 | ₹94,274 Cr | +38.3% |
| FY2023 | ₹68,142 Cr | +16.1% |
| FY2022 | ₹58,682 Cr | — |
View Kotak Mahindra Bank Ltd.'s full 10-year revenue trend with CAGR analysis →
Kotak Bank Profitability
Kotak Mahindra Bank Ltd.'s net income weakened to ₹19,288 Cr in FY2026, 12.8% lower than the ₹22,126 Cr posted in FY2025.
Margins told the same story: net margin fell to 17.9% from 20.7%.
Per-share numbers followed suit, with diluted EPS at ₹19.39 in FY2026, down from ₹22.26.
Is Kotak Bank Undervalued
Shares of Kotak Mahindra Bank Ltd. currently trade at ₹397.50.
Craytheon calculates intrinsic value using the P/B Ratio, P/E Ratio, EPS Growth, and DDM models. All four appear in the Valuation Models cards below.
Valuation Models
Kotak Bank Shareholding Pattern
Promoter holding stands at 25.9%, unchanged over the past 4 quarters.
As of June 2026, foreign investors held 25.2% of the company, down year-over-year from 29.8%.
DIIs owned 37.7% of the company as of June 2026, up from 32.0% a year earlier.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| Jun 2026 | 25.9% | 25.2% | 37.7% | 11.2% |
| Mar 2026 | 25.9% | 26.4% | 36.2% | 11.6% |
| Dec 2025 | 25.9% | 29.4% | 32.9% | 11.9% |
| Sep 2025 | 25.9% | 29.8% | 32.0% | 12.4% |
Track quarterly shareholding changes for Kotak Mahindra Bank Ltd. →
Kotak Bank Balance Sheet
Proportional view as of 3 Aug 2026. Hover blocks for details.
Assets
Liabilities & Equity
Total assets stood at ₹10.03T at the end of FY2026, up 14.0% from ₹8,797.74B a year earlier.
Loans & Advances is the largest block at 56.4%, followed by Investments at 29.0% and Cash at 10.2%.
Deposits make up 56.5% of liabilities and equity, with Borrowings at 9.5%, Equity at 18.1%, and Other Liabilities at 15.9%. Over the year, deposits are up 14.6% and equity is up 15.1%.
Balance sheet composition — FY 2026
| Category | Value |
|---|---|
| Cash | 1,020.91B |
| Loans & Advances | 5,657.68B |
| Investments | 2,906.33B |
| Other Assets | 448.61B |
| Category | Value |
|---|---|
| Equity | 1,812.26B |
| Deposits | 5,669.40B |
| Borrowings | 953.94B |
| Other Liabilities | 1,597.93B |
Kotak Bank at a Glance
So what's the takeaway from Kotak Mahindra Bank Ltd.'s (KOTAKBANK) latest numbers? Here's the summary.
FY2026 revenue came in at ₹1,07,947 Cr, broadly flat versus the prior year.
Over the past 10 years, revenue has compounded at 14.4% annually.
Profitability remains intact, with a net margin of 17.9% and net income of ₹19,288 Cr.
Unlock Full Analysis
Craytheon's full analysis of Kotak Mahindra Bank Ltd. goes deeper: four valuation models, growth metrics, and 10 years of financial data.