Kotak Bank Financial Statements

Kotak Bank (KOTAKBANK) reported revenue of ₹1,069.02B in FY2025 with net income of ₹221.26B. Total assets stood at ₹8,797.74B and free cash flow was ₹157.03B.

Kotak Bank Income Statement

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FY 2024 – FY 2025

Item	Chart	2024	2025
Op. Income Operating Income		562.37B	656.69B
Other Income		380.37B	412.33B
Total Income		942.74B	1,069.02B
Interest Exp. Interest Expenditure		225.67B	282.75B
Op. Expense Operating Expense		458.71B	457.79B
Provisions Provisions & Contingencies		78.59B	109.03B
Net Income		182.13B	221.26B
Dil. Shares Diluted Shares		9.94B	9.94B
Diluted EPS		18.33	22.26

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 2024 – FY 2025

Item	Chart	2024	2025
Cash		362.87B	417.48B
Loans & adv. Loans & advances		4,303.52B	4,861.66B
Investments		2,464.46B	2,842.55B
Total assets		7,676.67B	8,797.74B
Borrowings		751.06B	976.22B
Deposits		4,452.69B	4,947.07B
Total liabilities		6,376.95B	7,222.85B
Total equity		1,299.72B	1,574.89B
Total liab. & eq. Total liabilities & equity		7,676.67B	8,797.74B

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 2024 – FY 2025

Item	Chart	2024	2025
Net Income		238.63B	219.46B
Operating CF Cash flow Operating Activities		156.85B	169.16B
Capex Investments in PPE		-11.27B	-12.13B
Investing CF Cash flow Investing Activities		-90.97B	-252.72B
Dividend Paid		-3.37B	-3.98B
Financing CF Cash flow Financing Activities		155.15B	221.65B
Cash (start) Cash at beginning of period		429.25B	652.06B
Cash (end) Cash at end of period		652.06B	790.62B
FCF Free Cash Flow		145.58B	157.03B

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-2025