Kotak Mahindra Bank Ltd.
NSE: KOTAKBANK · Private Sector Bank
Snapshot
Unlock Kotak Mahindra Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Kotak Mahindra Bank Limited is a diversified financial services conglomerate providing a comprehensive range of banking and financial products to corporate and individual customers in India. Its operations span retail and wholesale banking, vehicle financing, asset management, insurance, and advisory services.
Business Model
The bank generates revenue through net interest income from lending activities, fee-based income from advisory and brokerage services, and investment management fees. It also earns premiums from its life and general insurance subsidiaries and maintains a significant branch and ATM network to drive deposit growth.
- Branches:1,700
- ATMs:2,705
Growth Outlook
Growth is driven by the expansion of the retail banking footprint, increased penetration of digital financial products, and the cross-selling of insurance and asset management services to its existing customer base. The bank continues to focus on balance sheet management and scaling its wholesale and vehicle financing segments.
Key Risks
- Credit Risk. The bank faces potential losses from defaults in its retail and corporate loan portfolios, particularly in the vehicle financing and wholesale lending segments.
- Regulatory Risk. As a highly regulated entity, the bank is subject to stringent compliance requirements and potential policy shifts by the Reserve Bank of India that could impact profitability.
- Market Risk. Fluctuations in interest rates, foreign exchange volatility, and equity market performance directly impact the bank's treasury operations and asset management income.
- Cybersecurity Risk. Increasing reliance on digital banking platforms exposes the institution to potential data breaches and operational disruptions from cyber threats.
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Key Metrics
NET PROFIT
₹20,239 Cr
TTM · consolidated
EPS
₹38.38
TTM · consolidated
P/E
11.1x
Q1 FY27 · consolidated
Peers · Private Sector Bank
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Kotak Mahindra Bank Ltd.KOTAKBANK | ₹4.22L Cr | 11.06 | — | — | — | 11.0% | — | -78.2% |
Axis Bank Ltd.AXISBANK | ₹3.96L Cr | — | — | — | — | 18.8% | — | +21.2% |
IDBI Bank Ltd.IDBI | ₹97,449 Cr | 10.45 | — | -2.5% | — | 13.5% | — | +2.0% |
The Federal Bank LimitedFEDERALBNK | ₹84,664 Cr | 18.03 | — | — | — | 12.3% | — | +80.6% |
IndusInd Bank Ltd.INDUSINDBK | ₹78,576 Cr | 59.43 | — | -5.0% | — | 1.4% | — | +33.6% |
IDFC First Bank Ltd.IDFCFIRSTB | ₹74,685 Cr | 45.88 | — | 11.1% | — | 3.5% | — | +20.0% |
Financials
Kotak Mahindra Bank Ltd.
NSE: KOTAKBANK · Private Sector Bank
Snapshot
Unlock Kotak Mahindra Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Kotak Mahindra Bank Limited is a diversified financial services conglomerate providing a comprehensive range of banking and financial products to corporate and individual customers in India. Its operations span retail and wholesale banking, vehicle financing, asset management, insurance, and advisory services.
Business Model
The bank generates revenue through net interest income from lending activities, fee-based income from advisory and brokerage services, and investment management fees. It also earns premiums from its life and general insurance subsidiaries and maintains a significant branch and ATM network to drive deposit growth.
- Branches:1,700
- ATMs:2,705
Growth Outlook
Growth is driven by the expansion of the retail banking footprint, increased penetration of digital financial products, and the cross-selling of insurance and asset management services to its existing customer base. The bank continues to focus on balance sheet management and scaling its wholesale and vehicle financing segments.
Key Risks
- Credit Risk. The bank faces potential losses from defaults in its retail and corporate loan portfolios, particularly in the vehicle financing and wholesale lending segments.
- Regulatory Risk. As a highly regulated entity, the bank is subject to stringent compliance requirements and potential policy shifts by the Reserve Bank of India that could impact profitability.
- Market Risk. Fluctuations in interest rates, foreign exchange volatility, and equity market performance directly impact the bank's treasury operations and asset management income.
- Cybersecurity Risk. Increasing reliance on digital banking platforms exposes the institution to potential data breaches and operational disruptions from cyber threats.
Start your research today
Unlock AI insights, financials, peers and live data on Kotak Mahindra Bank Ltd. and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹20,239 Cr
TTM · consolidated
EPS
₹38.38
TTM · consolidated
P/E
11.1x
Q1 FY27 · consolidated
Peers · Private Sector Bank
As of