What do the numbers say about Kotak Mahindra Bank Ltd. (KOTAKBANK)? Here's a look at its financials, valuation, and ownership data.
Kotak Bank Revenue Trend
Revenue rose 13.4% to ₹1,06,902 Cr in FY2025 for Kotak Mahindra Bank Ltd., against ₹94,274 Cr the year before.
The bigger picture is compelling: a 17.4% annual growth rate over 10 years took revenue from ₹21,471 Cr to ₹1,06,902 Cr.
At ₹1,06,902 Cr in annual revenue, Kotak Mahindra Bank Ltd. is one of the major players in the banks space.
With 10 straight years of revenue growth, this isn't a blip — the trajectory is clear for Kotak Mahindra Bank Ltd..
| Year | Revenue | YoY % |
|---|---|---|
| FY2025 | ₹1,06,902 Cr | +13.4% |
| FY2024 | ₹94,274 Cr | +38.3% |
| FY2023 | ₹68,142 Cr | +16.1% |
| FY2022 | ₹58,682 Cr | +3.3% |
| FY2021 | ₹56,815 Cr | — |
View Kotak Mahindra Bank Ltd.'s full 10-year revenue trend with CAGR analysis →
Is Kotak Bank Undervalued
Running the numbers through the P/E Ratio model gives a fair value of ₹493 for Kotak Mahindra Bank Ltd..
Kotak Mahindra Bank Ltd. shares are currently trading at ₹381.00.
Craytheon also calculates intrinsic value using the EPS Growth, P/B Ratio, and DDM models. The full breakdown with assumptions is available in the detailed analysis.
| Model | Est. Fair Value | vs. Current Price |
|---|---|---|
| P/E Ratio | Upgrade | Upgrade |
| EPS Growth | Upgrade | Upgrade |
| P/B Ratio | ₹493 | 29.3% upside to fair value |
| DDM | Upgrade | Upgrade |
See all valuation models for Kotak Mahindra Bank Ltd. with detailed assumptions →
Kotak Bank Shareholding Pattern
Promoters haven't moved — their 25.9% holding has been unchanged for 4 quarters.
Foreign investors held 26.4% of the company as of March 2026, down year-over-year from 32.3%.
Domestic institutional investors (DIIs) held 36.2% as of March 2026, up from 29.6% a year ago.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| 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% |
| Jun 2025 | 25.9% | 32.3% | 29.6% | 12.2% |
Track quarterly shareholding changes for Kotak Mahindra Bank Ltd. →
Kotak Bank Balance Sheet
Proportional view as of 3 Jun 2026. Hover blocks for details.
Assets
Liabilities & Equity
Total assets stood at ₹8,797.74B at the end of FY2025, up 14.6% from ₹7,676.67B a year earlier.
Loans & Advances is the largest block at 55.3%, followed by Investments at 32.3% and Cash at 9.0%.
Deposits make up 56.2% of liabilities and equity, with Borrowings at 11.1%, Equity at 17.9%, and Other Liabilities at 14.8%. Over the year, deposits are up 11.1% and equity is up 21.2%.
Balance sheet composition — FY 2025
| Category | Value |
|---|---|
| Cash | 790.62B |
| Loans & Advances | 4,861.66B |
| Investments | 2,842.55B |
| Other Assets | 302.92B |
| Category | Value |
|---|---|
| Equity | 1,574.89B |
| Deposits | 4,947.07B |
| Borrowings | 976.22B |
| Other Liabilities | 1,299.55B |
What Stands Out About Kotak Bank
In summary, Kotak Mahindra Bank Ltd. (KOTAKBANK) presents the following picture for fundamental analysts.
Revenue of ₹1,06,902 Cr in FY2025, up 13.4% year-over-year.
Long-term revenue has been compounding at 17.4% annually over 10 years.
The company is profitable, with a net margin of 20.7% and net income of ₹22,126 Cr.
The P/B Ratio model implies 29.3% upside to fair value from the current price. The remaining three models are worth cross-checking before drawing a conclusion — sign up to see the full analysis.
Unlock Full Analysis
Want to dig deeper? Craytheon's platform provides 10 years of financial data, four valuation models, and insider trading activity for Kotak Mahindra Bank Ltd..