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NSE   0.00  
OPEN PRICE(₹)
0.00
HIGH PRICE(₹)
0.00
LOW PRICE(₹)
0.00
CLOSE PRICE(₹)
0.00
VOLUME
0.00
52 WK LOW (₹)
1001 (19-03-2020)
52 WK HIGH (₹)
2027 (30-12-2020)
BSE   1897.5  
OPEN PRICE₹)
1870.4
HIGH PRICE(₹)
1911.85
LOW PRICE (₹)
1850.05
CLOSE PRICE(₹)
1897.5
VOLUME
94886
VALUE
179636000
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0.00
OFFER QTY
0.00

Stock Summary

Trade Value (₹ in Lacs) : 2147.48 MCap (₹ in Mn) : 3412252.93 Dividend Yield(%) : 0 Price/Earning (TTM) : 52.1
TTM EPS (₹) : 0 Price/Sales (TTM) : 0 P/E Ratio : 0.01 Price/Book (MRQ) : 5.74
Book Value(₹) : 0 Face Value(₹) : 0 Latest Reserve (₹ in Mn): 584332.9 EPSc : 31.09
PE : 55.79 TTMNP : 65490.7 TTMTAX : 22036.5 TTMINTEREST : 121396
TTMDEPRECIATION : 0 TTMNetSales : 273431.3 EV_Sales : 13.52 EV (in Mn) : 3697135.54
TTMEBITDA : 117298.2 EV_EBITDA : 31.52 TTMCashProfit : 65490.7 TTMCEPS : 33.06
Price_CEPS : 52.1 TTMNPAEX : 65490.7

Peer Group Compare

Comp. Name Price M.Cap Div Yld % P/E Ratio Price/Earning (TTM) TTM EPS (₹)
HDFC Bank Ltd. (BSE)

1553.2 ( -2.1%)

754869.65 0.18 0 25.28 54.2
ICICI Bank Ltd. (BSE)

620.9 ( -1.73%)

364662.84 0 0 29.85 17.7
Axis Bank Ltd. (BSE)

736.75 ( -2.24%)

205395.88 0 0 81.39 8.24
IndusInd Bank Ltd. (BSE)

1092.1 ( -0.72%)

60781.46 0 0 22.43 35.78
Bandhan Bank Ltd. (BSE)

357.65 ( 0.83%)

50133.84 0 0 19.14 16.27

Management Info

Chairman : Prakash Apte
Managing Director : Uday Kotak
Company Secretory : Bina Chandarana
Incorporation Year : 1985

Registered Office

Address : 27 B K C
C 27 , G Block , Bandra Kurla Complex
Bandra (E)
City-Pincode : Mumbai-400051
Phone : 022-61660001
Website : www.kotak.com
Email : investor.greivances@kotak.com

Registrars Details

Registrars Details : K FIN Technologies Pvt Ltd.-(Karvy Fintech Pvt Ltd.)
Address : Karvy Selenium Tower B, Plot 31-32Gachibowli,Financial District, NanakramgudaHyderabad – 500032Tel. No. 040 67161500Fax. No. 040 23001153E-mail: einward.ris@karvy.comWebsite: www.karvy.comToll Free No. of exclusive Call Centre:1-800-345001
Listing : BSE, NSE, MCX

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Balance Sheet

(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
SOURCES OF FUNDS:
Share Capital 14565.19 14543.77 9528.24 9204.49 9171.91
  Equity - Authorised 14000 14000 15000 15000 15000
  Equity - Issued 9565.19 9543.77 9528.24 9204.49 9171.91
 Equity Paid Up 9565.19 9543.77 9528.24 9204.49 9171.91
  Equity Shares Forfeited 0.00 0.00 0.00 0.00 0.00
  Adjustments to Equity 0.00 0.00 0.00 0.00 0.00
  Preference Capital Paid Up 5000 5000 0 0 0.00
  Face Value 0.01 0.01 0.01 0.01 0.01
Share Warrants & Outstandings 0.00 0.00 0.00 0.00 0.00
Total Reserves 656776 568253.55 495332.42 375703.94 324434.5
  Securities Premium 169001.78 165401.03 163168.75 104233.36 102177.37
  Capital Reserves 4757.96 3609.56 3539.66 3299.66 3194.16
  Profit & Loss Account Balances 364358.5 304070.41 249311.31 201525.61 162238.8
  General Reserves 6540.94 6540.94 6523.44 6505.94 6505.94
Reserve excluding Revaluation Reserve 656776 568253.55 495332.42 375703.94 324434.5
Revaluation Reserves 0.00 0.00 0 0 0.00
Deposits 2604002.08 2248242.61 1912357.99 1555399.98 1359487.6
  Demand Deposits 421484.4 382792.78 317102.12 274668.15 230587.18
  Savings Deposit 1046085.93 796847.14 655292.03 415039.31 294947.21
  Term Deposits / Fixed Deposits 1136431.75 1068602.69 939963.85 865692.52 833953.21
  Current Deposits 0.00 0.00 0.00 0.00 0.00
  Recurring Deposits 0.00 0.00 0.00 0.00 0.00
  Other Deposits 0.00 0.00 0.00 0.00 0.00
Borrowings 655767.17 664389.38 586039.74 496899.09 437297.94
  Borrowings From Reserve Bank of India 3870 16290 13750 5000 15670
  Borrowings From Other Banks 312963.76 190147.51 152452.94 152521.21 102625.56
  Borrowings From GOI 0.00 0.00 0.00 0.00 0.00
  Borrowings From Other Financial Institutions 264683.27 336337.93 326091.76 265829.21 223067.62
  Borrowings in the form of Bonds / Debentures 5616 5616 8876 11876 12885
  Borrowings in Other Form 0.00 0.00 0.00 0.00 0.00
Other Liabilities & Provisions 500588.02 456262.45 373924.66 319905.14 273653.69
  Bills Payable 10134.78 18481.65 14851.28 13147.6 10475.64
  Inter-office adjustment Liabilities 0.00 0.00 0.00 0.00 0.00
  Interest Accrued 16880.6 18066.07 14866.33 15463.98 13866.69
  Proposed Dividend 0.00 0.00 0.00 0.00 1112.77
  Corporate dividend tax payable 0.00 0.00 0.00 0.00 0.00
  Other Liabilities & Provisions 0.00 0.00 0.00 0.00 0.00
Total Liabilities 4431727.12 3951712.48 3377204.74 2761875.59 2408035.76
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India 95132.35 109109.24 89335.02 75122.26 69249
  Cash with RBI 77834.36 96564.19 77035.24 64954.52 59562.42
  Cash in hand & others 17297.99 12545.05 12299.78 10167.74 9686.59
Balances with banks and money at call 545666.14 203535.38 154671.3 180763.24 46745.08
Investments 1111969.13 1034870.21 909766.02 684615.38 702738.99
Investments in India 1107391.69 1031822.23 906136.08 681994.58 701597.87
  GOI/State Govt. Securities 784432.83 692202.26 623082.27 431439.55 477660.12
  Equity Shares - Corporate 78361.63 105774.42 99397.86 78867.8 63405.43
  Debentures & Bonds 170956.73 155953.68 116292.69 116599.58 96720.23
  Subsidiaries and/or joint ventures/Associates 10661.36 10921.72 10077.39 8995.9 8288.74
  Units - MF/ Insurance/CP/PTC 62979.13 66970.14 57285.87 46091.74 55523.34
Investments outside India 4577.44 3047.98 3629.94 2620.8 1141.12
  Government securitiesC 3755.17 1705.97 1296.93 323.51 0.00
  Subsidiaries and/or joint ventures abroad 0.00 0.00 0.00 0.00 0.00
  Other investments outside India 822.28 1342.01 2333.01 2297.29 1141.12
  Less: Prov for Diminution in Value of Invest. 0.00 0.00 0.00 0.00 0.00
Advances 2498789.58 2434619.94 2059973.24 1671249.11 1447928.15
  Bills Purchased & Discounted 77781.33 91420.93 71057.82 58036.43 38324.1
  Cash Credit, Over Draft & Loans repayable 586908.01 593575.23 502766.24 419191.2 404120.1
  Term Loans 1834100.25 1749623.79 1486149.19 1194021.48 1005483.95
  Finance lease and hire purchase receivable 0.00 0.00 0.00 0.00 0.00
Gross block 44997.95 43963.57 44336.49 43367 40469.24
  Premises 11629.87 11666.78 11596.47 11657.51 11664.27
  Assets Given on Lease 1540.59 1540.59 1540.59 1540.59 1540.59
  Other Fixed Assets 31827.49 30756.21 31199.44 30168.9 27264.38
Less: Accumulated Depreciation 26388.32 25126.48 26838.2 25814.98 22859.07
Net Block 18609.63 18837.09 17498.29 17552.02 17610.16
Less: Impairment of Assets 0.00 0.00 0.00 0.00 0.00
Lease Adjustment 0.00 0.00 0.00 0.00 0.00
Capital Work in Progress 0.00 0.00 0.00 0.00 0.00
Other Assets 161560.3 150740.63 145960.86 132573.59 123764.37
  Inter-office adjustment Assets 0.00 0.00 0.00 0.00 0.00
  Interest Accrued Assets 38867.78 32619.3 28673.95 26116.9 23255.59
  Tax paid in advance/TDS 400.97 248.77 197.46 436.93 3918.64
  Stationery and stamps 33.5 17.63 18.99 16.96 23.15
  Non-banking assets acquired 0.00 0.00 67.82 67.82 67.82
  Deferred tax asset 6309.5 5283.4 5019.8 5333.6 4288.7
  Miscellaneous Expenditure not written off 0.00 0.00 0.00 0.00 0.00
Total Assets 4431727.12 3951712.48 3377204.74 2761875.59 2408035.76
Contingent Liabilities 1901590.85 2178471.52 2097575.44 1961720.65 2447118.64
  Claims not acknowledged as debts 16946.55 19567.39 17500.47 16016.03 16396.69
  Outstanding forward exchange contracts 975904.92 1200719.74 1241775.86 1166206.83 1658110.19
  Guarantees given in India 241207.38 267992.05 274243.49 249897.76 346376.71
  Guarantees given Outside India 107.64 102.41 99.97 0.00 0.00
  Acceptances, endorsements & other obligations 166071.44 167730.49 135250.53 115154.9 0.00
Bills for collection 395189.77 318522.34 242553.12 203182.63 149640.49
Book Value 0.35 0.3 0.26 0.21 0.18
Adjusted Book Value 0.35 0.3 0.26 0.21 0.18
(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
SOURCES OF FUNDS:
Share Capital 14565.19 14543.77 9528.24 9204.49 9171.91
  Equity - Authorised 14000 14000 15000 15000 15000
  Equity - Issued 9565.19 9543.77 9528.24 9204.49 9171.91
 Equity Paid Up 9565.19 9543.77 9528.24 9204.49 9171.91
  Equity Shares Forfeited 0.00 0.00 0.00 0.00 0.00
  Adjustments to Equity 0.00 0.00 0.00 0.00 0.00
  Preference Capital Paid Up 5000 5000 0.00 0.00 0.00
  Face Value 0.01 0.01 0.01 0.01 0.01
Share Warrants & Outstandings 0.00 0.00 0.00 0.00 0.00
Total Reserves 100000 100000 100000 100000 100000
  Securities Premium 100000 100000 100000 100000 98648.53
  Capital Reserves 3282.29 2133.89 2063.99 1823.99 1718.49
  Profit & Loss Account Balances 100000 100000 100000 100000 82141.19
  General Reserves 6404.25 6404.25 6404.25 6404.25 6404.25
Reserve excluding Revaluation Reserve 100000 100000 100000 100000 100000
Revaluation Reserves 0.00 0.00 0.00 0.00 0.00
Deposits 2628205.2 2258803.63 1926432.71 1574258.6 1386430.22
  Demand Deposits 430127.13 389009.59 322457.69 277607.83 232816.77
  Savings Deposit 1046085.93 796847.14 655292.03 415039.31 294947.21
  Term Deposits / Fixed Deposits 1151992.14 1072946.9 948682.99 881611.46 858666.24
  Current Deposits 0.00 0.00 0.00 0.00 0.00
  Recurring Deposits 0.00 0.00 0.00 0.00 0.00
  Other Deposits 0.00 0.00 0.00 0.00 0.00
Borrowings 379933.11 322482.91 251541.53 210954.81 209753.38
  Borrowings From Reserve Bank of India 3870 16290 13750 5000 15670
  Borrowings From Other Banks 204229.54 76527.64 36526.11 51000.2 22448.95
  Borrowings From GOI 0.00 0.00 0.00 0.00 0.00
  Borrowings From Other Financial Institutions 100462.2 112098.4 113389.48 88388.15 80961.43
  Borrowings in the form of Bonds / Debentures 4560 4560 7018 9948 11057
  Borrowings in Other Form 0.00 0.00 0.00 0.00 0.00
Other Liabilities & Provisions 104196.84 111429.84 96521.5 84506.8 86789.56
  Bills Payable 10134.78 18481.65 14851.28 13147.6 10475.64
  Inter-office adjustment Liabilities 0.00 0.00 0.00 0.00 0.00
  Interest Accrued 10436.93 11750.42 8709.98 9129.36 8168.14
  Proposed Dividend 0.00 0.00 0.00 0.00 1103.91
  Corporate dividend tax payable 0.00 0.00 0.00 0.00 0.00
  Other Liabilities & Provisions 0 0 0 0 0
Total Liabilities 100000 100000 100000 100000 100000
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India 95050.5 108775.24 89085.08 74924.26 69034.35
  Cash with RBI 77834.36 96564.19 77035.24 64954.52 59562.42
  Cash in hand & others 17216.14 12211.06 12049.84 9969.74 9471.93
Balances with banks and money at call 437872.49 137980.16 107116 150795.84 39762.81
Investments 100000 100000 100000 100000 100000
Investments in India 746512.16 709936.75 644078.41 450178.01 512361.85
  GOI/State Govt. Securities 615301.2 578924.11 516280.15 361575.39 407609.72
  Equity Shares - Corporate 11555.35 7280.36 12449.59 7027.12 6713.07
  Debentures & Bonds 53925.61 56807.83 59750.32 48462.88 51863.05
  Subsidiaries and/or joint ventures/Associates 25931.22 25087.09 24430.17 8359.1 7470.1
  Units - MF/ Insurance/CP/PTC 39798.78 41837.37 31168.18 24753.52 38705.91
Investments outside India 4003.3 1954.1 1545.06 563.87 240.35
  Government securitiesC 3755.17 1705.97 1296.93 323.51 0.00
  Subsidiaries and/or joint ventures abroad 231.61 231.61 231.61 231.61 231.61
  Other investments outside India 16.52 16.52 16.52 8.74 8.74
  Less: Prov for Diminution in Value of Invest. 0.00 0.00 0.00 0.00 0.00
Advances 2197481.87 2056948.1 1697179.25 1360821.29 1186652.95
  Bills Purchased & Discounted 77781.33 91420.93 71057.82 57835.68 38324.1
  Cash Credit, Over Draft & Loans repayable 582358.81 587758.75 496101.5 419795.48 404120.1
  Term Loans 1537341.73 1377768.42 1130019.93 883190.13 744208.75
  Finance lease and hire purchase receivable 0.00 0.00 0.00 0.00 0.00
Gross block 36762.91 36365.3 37280.38 36927.39 34558.5
  Premises 10705.26 10742.16 10671.85 10733.25 10740.01
  Assets Given on Lease 1540.59 1540.59 1540.59 1540.59 1540.59
  Other Fixed Assets 24517.07 24082.55 25067.95 24653.56 22277.9
Less: Accumulated Depreciation 20531.61 19849.8 22008.78 21551.11 19042.57
Net Block 16231.31 16515.5 15271.6 15376.28 15515.92
Less: Impairment of Assets 0 0 0 0 0
Lease Adjustment 0.00 0.00 0.00 0.00 0.00
Capital Work in Progress 0 0 0 0 0
Other Assets 105365.22 89611.06 95058.58 93240.04 99029.68
  Inter-office adjustment Assets 0.00 0.00 0.00 0.00 0.00
  Interest Accrued Assets 28224.05 22533.46 20659.57 18901.37 17801.18
  Tax paid in advance/TDS 0.00 0.00 0.00 0.00 3472.55
  Stationery and stamps 31.14 14.61 15.3 13.8 19.18
  Non-banking assets acquired 0.00 0.00 67.82 67.82 67.82
  Deferred tax asset 3173.4 1781.6 1942.8 2476 1838.5
  Miscellaneous Expenditure not written off 0.00 0.00 0.00 0.00 0.00
Total Assets 100000 100000 100000 100000 100000
Contingent Liabilities 100000 100000 100000 100000 100000
  Claims not acknowledged as debts 13909.84 13728.6 13213.25 12382.28 13040.88
  Outstanding forward exchange contracts 975299.6 1199198.33 1240928.58 1164196.27 1657248.87
  Guarantees given in India 239242.87 264990.2 272736.63 248803.13 240135.68
  Guarantees given Outside India 0.00 0.00 0.00 0.00 0.00
  Acceptances, endorsements & other obligations 166071.44 167730.49 135250.53 115154.9 106140.68
Bills for collection 395189.77 318522.34 242553.12 203182.63 149640.49
Book Value 0.25 0.22 0.2 0.15 0.13
Adjusted Book Value 0.25 0.22 0.2 0.15 0.13

Quarterly Results

Particulars Sep-2020 Jun-2020 Mar-2020 Feb-2019
Date End Audited Audited Audited Audited
Interest Earned 83373.60 84216.90 84341.30 83319.80
Income On Investments 24191.40 20643.70 18683.30 18316.70
Interest On Balances With Rbi Other Inter Bank Funds 3340.40 4788.90 2612.30 1956.00
Interest / Discount On Advances / Bills 54730.8 57732.7 61989.5 61972.3
Others 1111 1051.6 1056.2 1074.8
Other Income 52540.5 39014.6 36505.8 52104.5
Total Income 135914.1 123231.5 120847.1 135424.3
Interest Expended 32855.1 36282.4 38009.4 38903.5
Operating Expenses 59182.1 51402.5 43471.2 62900.2
Total Expenditure 59182.1 51402.5 43471.2 62900.2
Operating Profit Before Provisions and Contingencies 43876.9 35546.6 39366.5 33620.6
Exceptional Items 0 0 0 0
Provisions and contingencies 4732.2 11193.3 12621.9 4725.9
Profit Before Tax 39144.7 24353.3 26744.6 28894.7
Tax 9810.1 5948.9 7226.4 5601.4
Profit After Tax 29334.6 18404.4 19518.2 23293.3
+/- Extraordinary Items 0 0 0 0
+/- Prior period items 0 0 0 0
Net Profit 29334.6 18404.4 19518.2 23293.3
Minority Interest 0 0 0 0
Shares of Associates 131.6 121.5 -466.4 193.9
Other related items 0 0 0 0
Misc. Expenses Written off 0.00 0.00 0.00 0.00
Consolidated Net Profit 29334.6 18404.4 19518.2 23293.3
Equity Capital 29466.2 18525.9 19051.8 23487.2
Face Value (IN RS) 5 5 5 5
Reserves 0 0 0 0
% of Shares held by Govt 0 0 0 0
Capital Adequacy Ratio 22.05 23 19.8 19.4
Gross / Net NPAs 0.00 0.00 0.00 0.00
Amount of Gross NPAs 0.00 0.00 0.00 0.00
Amount of Net NPAs 16368.2 20652.8 17448.1 21747.3
% of Gross / Net NPAs NA NA NA NA
% of Net NPAs 0.7 0.89 0.7 0.87
% of Gross NPAs 2.55 2.67 2.16 2.33
Return on Assets 0 0 0 0
No of Public Share Holdings NA NA NA NA
% of Public Share Holdings NA NA NA NA
Basic Eps After Extraordinary Items 14.89 9.57 9.71 12.29
Basic Eps Before Extraordinary Items 14.89 9.57 9.71 12.29
PBIDTM% 86.36 72 76.78 81.37
PBDTM% 46.95 28.92 31.71 34.68
PBTM% 46.95 28.92 31.71 34.68
PATM% 35.18 21.85 23.14 27.96
Particularsaaa Sep-2020 Jun-2020 Mar-2020 Feb-2019
Date End Audited Audited Audited Audited
Interest Earned 68360.5 69118.6 68046.8 67356.0
Income On Investments 18039 14893.5 13009.3 13229.6
Interest On Balances With Rbi Other Inter Bank Funds 2599.5 3841.6 1544.5 874.7
Interest / Discount On Advances / Bills 47107.8 49757.5 52828.2 52528.4
Others 614.2 626 664.8 723.3
Other Income 9999.9 7735.4 9999.9 9999.9
Total Income 82880.8 76854 82940.7 80770.3
Interest Expended 9999.9 9999.9 9999.9 9999.9
Operating Expenses 20677.5 18736.8 23237.6 23828.9
Total Expenditure 20677.5 18736.8 23237.6 23828.9
Operating Profit Before Provisions and Contingencies 32974.9 26237.1 27252.8 23880.7
Exceptional Items 0 0 0 0
Provisions and contingencies 3685.9 9620.1 10474.7 4440
Profit Before Tax 29289 16617 16778.1 19440.7
Tax 7444.2 4172.5 4112.1 3481.7
Profit After Tax 21844.8 12444.5 12666 15959
+/- Extraordinary Items 0.00 0.00 0.00 0.00
+/- Prior period items 0.00 0.00 0.00 0.00
Net Profit 21844.8 12444.5 12666 15959
Minority Interest 0.00 0.00 0.00 0.00
Shares of Associates 0.00 0.00 0.00 0.00
Other related items 0.00 0.00 0.00 0.00
Misc. Expenses Written off 0.00 0.00 0.00 0.00
Consolidated Net Profit 21844.8 12444.5 12666 15959
Equity Capital 21844.8 12444.5 12666 15959
Face Value (IN RS) 5 5 5 5
Reserves 0 0 0 0
% of Shares held by Govt 0.00 0.00 0.00 0.00
Capital Adequacy Ratio 22.05 21.23 17.89 18.21
Gross / Net NPAs 0.00 0.00 0.00 0.00
Amount of Gross NPAs 0.00 0.00 0.00 0.00
Amount of Net NPAs 13037.8 17771 15578.9 19250.8
% of Gross / Net NPAs NA NA NA NA
% of Net NPAs 0.64 0.87 0.71 0.89
% of Gross NPAs 2.55 2.7 2.25 2.46
Return on Assets 0.00 0.00 0.00 0.00
No of Public Share Holdings NA NA NA NA
% of Public Share Holdings NA NA NA NA
Basic Eps After Extraordinary Items 11.04 6.43 6.37 8.35
Basic Eps Before Extraordinary Items 11.04 6.43 6.37 8.35
PBIDTM% 85.6 70.17 72.34 35.45
PBDTM% 42.84 24.04 24.66 28.86
PBTM% 42.84 24.04 24.66 28.86
PATM% 31.96 18 18.61 23.69

Profit-Loss

-
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
I. INCOME
Interest Earned 334741.61 298312.24 251310.77 223242.07 204016.36
     Interest / Discount on advances / Bills 248771.05 221627.35 183808.6 166198.37 154123.68
     Interest on balances with RBI and other Inter-bank funds 8276.45 7351.73 9668 3078.68 1320.51
     Income on investments 73273.09 64438.1 52582.52 48553.61 44082.78
     Others 4421.02 4895.07 5251.66 5411.42 4489.4
Other Income
     Commission,exchange and brokerage 58738.21 54980.66 46723.62 35396.65 29705.19
     Profit / (loss)on sale of investments(net) 15477.48 8757.59 11203.5 12649.52 7163.72
     Profit on sale of Fixed Assets 294.24 216.15 470 137.07 45.85
     Foreign Exchange Gains 6954.81 7639.89 8207.09 5571.04 4912.03
     Income earned from subsidiaries/joint venture 0 0 0 0 0
     Rent / Lease Income
     Provisions Written Back 0 0 0 0 0
     Miscellaneous income -506747250 -484436676 -410466942 -349786776 -228921849
Total Income 503657.36 459791.13 388133.09 339837.66 280323.64
II. EXPENDITURE
Interest Expended 159006.8 151866.06 124668.48 114575.1 111229.73
     Intereston Deposits 120285.32 109636.73 88492.27 80626.58 76493.89
     Interest on RBI / inter-bank borrowings 12619.11 17659.45 13822.04 12291.82 14582.76
     Other Interest 26102.37 24569.88 22354.17 21656.7 20153.08
Operating Expenses 204851.52 191714.25 161634.94 142454.07 108940.85
     Payments to and provisions for employees 57559.66 48509.04 43808.98 39823.12 38540.5
     Rent,Taxes and lighting 7685.79 7113.27 6475.69 6162.89 5881.39
     Depreciation on Banks property 4648.88 4584.22 3834.31 3622.14 3445.13
     Depreciation on leased assets
     Auditor's fees and expenses 101.07 99.41 80.18 73.63 65.57
     Law charges 9710.7 9203.75 8236.11 5806.15 5574.57
     Communication Expenses 2315.14 2245.23 1919.79 1689.31 1603.82
     Repairs and Maintenance 5810.21 5111.67 4841.49 4255.28 3655.16
     Insurance 40039.31 32708.33 30163.64 24538.62 19476.94
     Other expenses 76980.76 82139.33 62274.76 56482.93 30697.77
Provisions and Contingencies 25581 10453.65 10247.42 9489.16 9915.65
     Provision for investments 1809.3 -221.4 2088.9 1515.3 1399.7
     Provision for advances
     Others Provisions 23771.7 10675.05 8158.52 7973.86 8515.95
Profit Before Tax 575083.08 510092.98 435346.96 377205.79 287950.42
Taxes 28147.2 34560.2 30110.9 23828.5 15926.2
     Current Income Tax 29588.7 34671.4 29856.4 24677.6 16075
     Deferred Tax -1441.5 -111.2 254.5 -849.1 -150.8
     Other taxes 0 0 0 0 0
Profit After Tax 86070.85 71196.97 61471.36 49490.83 34311.21
Extra items
Minority Interest -566.69 -788.28 -651.94
Share of Associate -137.24 844.33 1105.07 701.78 929.22
Other Consolidated Items
Consolidated Net Profit 85933.61 72041.31 62009.74 49404.34 34588.49
Adjustments to PAT 8.95 16787.29
IV. APPROPRIATIONS
     Transfer to Statutory Reserve 14868 12163.4 10210.8 8528.8 5224.5
     Appropriation to General Reserve 17.5 17.5
     Appropriation to Revenue Reserve
     Appropriation to Other Reserves -13.97 13.97
     Equity Dividend 1602.82 1142.14 0.7 918.36
     Corporate dividend tax 329.78 238.03 -6.23 196.21
     Other appropriations 375149.99 307225.13 251926.88 203128.81 163678.02
Equity Dividend % 16.00 14.00 12.00 10.00
Earnings Per Share 44.7083 37.7426 32.5400 26.8371 18.8557
Adjusted EPS 44.7083 37.7426 32.5400 26.8371 18.8557
-
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
I. INCOME
Interest Earned 269296.14 238900.53 197484.96 176989.33 163841.84
     Interest / Discount on advances / Bills 209992.37 183180.92 147279.54 134021.05 124703.72
     Interest on balances with RBI and other Inter-bank funds 3812.38 3814.24 7552.92 2183.22 929.06
     Income on investments 52572.53 48727.74 39330.04 36810.38 34560.09
     Others 2918.86 3177.64 3322.46 3974.68 3648.96
Other Income
     Commission,exchange and brokerage 37792.51 34439.33 27645.4 21206.68 17643.65
     Profit / (loss)on sale of investments(net) 4831.34 708.92 2123.03 4415.87 2131.97
     Profit on sale of Fixed Assets 276.26 194.82 457.39 122.58 30.11
     Foreign Exchange Gains 6759.15 7382.56 6039.12 5283.69 4219.12
     Income earned from subsidiaries/joint venture 1414.32 1275.13 896.99 837.82 807.95
     Rent / Lease Income
     Provisions Written Back 0 0 0 0 0
     Miscellaneous income -268605380 -232859060 -202610400 -173857920 -130611700
Total Income 100000 100000 100000 100000 100000
II. EXPENDITURE
Interest Expended 100000 100000 100000 95727.84 94838.1
     Intereston Deposits 120609.42 110126.35 89375.01 82360.07 78637.58
     Interest on RBI / inter-bank borrowings 5411.49 9142.76 5669.77 5583.63 8082.49
     Other Interest 8278.57 7573.38 7123.29 7784.14 8118.03
Operating Expenses 88509.36 75148.01 64257.22 56184.95 54715.2
     Payments to and provisions for employees 39111.16 31836.12 29502.35 27685.29 28169.7
     Rent,Taxes and lighting 6778.88 6280.94 5784.84 5504.22 5220.14
     Depreciation on Banks property 3719.49 3669.2 3026.9 2906.62 2873.76
     Depreciation on leased assets
     Auditor's fees and expenses 23.65 24.11 21.13 19.47 21.12
     Law charges 9681.44 8441 6574.13 4440.56 4402.24
     Communication Expenses 1740.12 1686.94 1388.87 1228.27 1111.29
     Repairs and Maintenance 4442.25 3996.15 3828.59 3396.77 2874.98
     Insurance 2333.51 2012.46 1634.73 1415.3 1218.72
     Other expenses 20678.86 17201.1 12495.69 9588.45 8823.26
Provisions and Contingencies 22161.65 9623.93 9399.5 8367.44 9173.69
     Provision for investments 901.2 -137.4 1969.1 1392.4 1363.2
     Provision for advances
     Others Provisions 21260.45 9761.33 7430.4 6975.04 7810.49
Profit Before Tax 110671.01 84771.94 73656.73 68824.55 69050.79
Taxes 18574.9 25204.6 21339.2 17365.7 10339.4
     Current Income Tax 18574.9 25204.6 20806 18003.1 10361.2
     Deferred Tax 0 0 533.2 -637.4 -23.2
     Other taxes 0 0 0 0 0
Profit After Tax 59471.82 48653.32 40843.03 34114.98 20897.79
Extra items
Minority Interest
Share of Associate
Other Consolidated Items
Consolidated Net Profit 59471.82 48653.32 40843.03 34114.98 20897.79
Adjustments to PAT 16747.1
IV. APPROPRIATIONS
     Transfer to Statutory Reserve 14868 12163.4 10210.8 8528.8 5224.5
     Appropriation to General Reserve
     Appropriation to Revenue Reserve
     Appropriation to Other Reserves -13.97 13.97 0 0 0
     Equity Dividend 1602.82 1142.14 0.7 918.36
     Corporate dividend tax 236.78 217.03 -6.83 186.96
     Other appropriations 85145.97 85983.03 88430.03 91477.33 82267.71
Equity Dividend % 0 16 14 12 10
Earnings Per Share 30.88 25.49 21.43 18.53 11.39
Adjusted EPS 30.88 25.49 21.43 18.53 11.39

Financial Ratios

Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Operational & Financial Ratios
Earnings Per Share (Rs) 44.71 37.74 32.54 26.84 18.86
DPS(Rs) 0 0.8 0.7 0.6 0.5
Book NAV/Share(Rs) 348.32 302.71 264.93 209.09 181.86
Margin Ratios
Yield on Advances 13.4 12.25 12.2 13.36 14.09
Yield on Investments 7.98 7.07 7.01 8.94 7.29
Cost of Liabilities 4.88 5.21 4.99 5.58 6.19
NIM 4.13 3.87 3.94 4.16 4.09
Interest Spread 8.52 7.04 7.21 7.78 7.9
Performance Ratios
ROA(%) 2.05 1.94 2 1.91 1.76
ROE(%) 13.84 13.15 13.82 13.78 12.36
ROCE(%) 11.88 12.66 12.95 12.98 13.01
Efficiency Ratios
Cost Income Ratio 59.44 62.26 61.35 63.24 64.43
Core Cost Income Ratio 58.33 64.81 63.81 69.64 64.72
Operating Costs to Assets 4.62 4.85 4.79 5.16 4.52
Capital Adequacy
Basel I
Total CAR (Basel I) 0 0 0 0 0
Tier-1 (Basel I) 0 0 0 0 0
Tier-2 (Basel I) 0 0 0 0 0
Basel II
Total CAR (Basel II) 0 0 0 0 0
Tier-1 (Basel II) 0 0 0 0 0
Tier-2 (Basel II) 0 0 0 0 0
Basel III
Total CAR (Basel III) 0 0 0 0 0
Tier - 1 (Basel III) 0 0 0 0 0
Tier - 2 (Basel III) 0 0 0 0 0
Valuation Parameters
PER(x) 29 35.39 32.22 32.5 36.12
PCE(x) 27.34 33.64 30.6 30.23 33.09
Price/Book(x) 3.72 4.41 3.96 4.17 3.74
Yield(%) 0 0.06 0.07 0.07 0.07
EV/Net Sales(x) 9.38 10.79 10.28 9.42 8.27
EV/Core EBITDA(x) 22.47 27.7 25.38 25.39 28.04
EV/EBIT(x) 11.5 12.5 11.95 11.19 10.44
EV/CE(x) 0.71 0.81 0.77 0.76 0.7
M Cap / Sales 7.41 8.55 7.95 7.19 6.12
Growth Ratio
Core Operating Income Growth 20 15.64 16.54 17.11 46.06
Operating Profit Growth 2.86 -39.36 19.8 32.36 -152.44
Net Profit Growth 20.89 15.82 24.21 44.24 11.94
BVPS Growth 15.07 14.26 26.71 14.97 -36.55
Advances Growth 2.64 18.19 23.26 15.42 63.36
EPS Growth(%) 18.46 15.99 21.25 42.33 -52.18
Liquidity Ratios
Loans/Deposits(x) 0.25 0.3 0.31 0.32 0.32
Total Debt/Equity(x) 0.04 0.05 0.05 0.05 0.05
Current Ratio(x) 0.43 0.46 0.48 0.44 0.52
Quick Ratio(x) 25.18 29.55 30.64 31.95 32.17
Interest Cover(x)
Total Debt/Mcap(x) 0 0 0 0 0
Net NPA in Rs. Million 0 0 0 0 0
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Operational & Financial Ratios
Earnings Per Share (Rs) 30.88 25.49 21.43 18.53 11.39
DPS(Rs) 0 0.8 0.7 0.6 0.5
Book NAV/Share(Rs) 100 100 100 100 100
Margin Ratios
Yield on Advances 12.25 11.61 11.64 13.01 13.81
Yield on Investments 7.65 6.94 6.42 9.15 7.16
Cost of Liabilities 4.46 4.91 4.69 5.36 5.94
NIM 3.88 3.72 3.75 3.99 3.82
Interest Spread 7.79 6.7 6.95 7.64 7.87
Performance Ratios
ROA(%) 1.77 1.69 1.7 1.68 1.4
ROE(%) 13.08 12.18 12.55 13.23 10.97
ROCE(%) 11.31 13.15 13.47 13.85 13.32
Efficiency Ratios
Cost Income Ratio 46.9 47.37 47.3 48.42 57.52
Core Cost Income Ratio 48.13 47.59 48.06 50.34 58.84
Operating Costs to Assets 2.46 2.41 2.43 2.62 2.85
Capital Adequacy
Basel I
Total CAR (Basel I) 0 0 0 0 0
Tier-1 (Basel I) 0 0 0 0 0
Tier-2 (Basel I) 0 0 0 0 0
Basel II
Total CAR (Basel II) 0 0 0 0 0
Tier-1 (Basel II) 0 0 0 0 0
Tier-2 (Basel II) 0 0 0 0 0
Basel III
Total CAR (Basel III) 17.89 17.45 18.22 16.77 16.34
Tier - 1 (Basel III) 17.27 16.93 17.56 15.9 15.28
Tier - 2 (Basel III) 0.62 0.52 0.66 0.87 1.06
Valuation Parameters
PER(x) 41.99 52.4 48.93 47.06 59.78
PCE(x) 39.25 48.73 45.55 43.37 52.55
Price/Book(x) 5.11 6.01 5.33 5.81 5.21
Yield(%) 0 0.06 0.07 0.07 0.07
EV/Net Sales(x) 10.64 12.04 11.39 10.26 8.9
EV/Core EBITDA(x) 28.59 34.46 31.43 30.35 36.1
EV/EBIT(x) 13.49 14.34 13.69 12.34 11.57
EV/CE(x) 0.8 0.92 0.85 0.85 0.76
M Cap / Sales 9.21 10.67 10.12 9.07 7.62
Growth Ratio
Core Operating Income Growth 20.47 17.56 17.3 17.76 63.37
Operating Profit Growth -6.17 -32.51 9.63 30.43 -100
Net Profit Growth 22.24 19.12 19.72 63.25 11.99
BVPS Growth 14.17 12.93 31.11 14.86 -28.66
Advances Growth 6.83 21.2 24.72 14.68 79.36
EPS Growth(%) 21.13 18.93 15.65 62.67 -52.85
Liquidity Ratios
Loans/Deposits(x) 0.14 0.14 0.13 0.13 0.15
Total Debt/Equity(x) 0.04 0.05 0.05 0.05 0.05
Current Ratio(x) 0.29 0.32 0.34 0.29 0.37
Quick Ratio(x) 14.46 14.28 13.06 13.4 15.13
Interest Cover(x)
Total Debt/Mcap(x) 2.3 2.14 2.22 2.6 2.36
Net NPA in Rs. Million 0.71 0.75 0.98 1.26 1.06

Cash Flow

(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Net Profit Before Taxes 114218.01 105757.16 91582.24 73319.35 50237.44
Adjustments for Expenses & Provisions : 39678 5486.69 6453.13 -5249.52 14506.6
Adjustments for Liabilities & Assets: 340955.09 -58705.42 -172491.69 85250.47 2388.82
Refund/(payment) of direct taxes -28662.81 -34314.61 -29467.74 -21095.25 -16887.02
Other Direct payments 0 0 0 0 0
Cash Flow from operating activities 466188.29 18223.83 -103924.06 132225.05 50245.85
Cash Flow from investing activities -131988.74 -33825.6 -56082.47 -52680.88 -86623.94
Cash Flow from financing activities -7349.96 83645.94 146794.02 60552.6 20244.08
Effect of exchange fluctuation on translation reserve 1304.28 594.12 63.52 -205.36 0
Net increase/(decrease) in cash and cash equivalents 326849.6 68044.17 -13212.51 140096.76 -16134.01
Opening Cash & Cash Equivalents 312644.61 244006.32 255885.49 115994.08 69034.42
Cash & Cash Equivalent on Amalgamation / Take over / Merger 0 0 0 0 63093.68
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 1269.83 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0 0
Closing Cash & Cash Equivalent 640798.48 312644.61 244006.32 255885.49 115994.08
Cash & Cash Equivalent on Amalgamation / Take over / Merger 0 0 0 0 63093.68
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 1269.83 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0 0
(₹ in Million)
Particulars Mar-2020 Mar-2019 Mar-2018 Mar-2017 Mar-2016
Net Profit Before Taxes 114218.01 105757.16 91582.24 73319.35 50237.44
Adjustments for Expenses & Provisions : 39678 5486.69 6453.13 -5249.52 14506.6
Adjustments for Liabilities & Assets: 340955.09 -58705.42 -172491.69 85250.47 2388.82
Refund/(payment) of direct taxes -28662.81 -34314.61 -29467.74 -21095.25 -16887.02
Other Direct payments 0 0 0 0 0
Cash Flow from operating activities 466188.29 18223.83 -103924.06 132225.05 50245.85
Cash Flow from investing activities -131988.74 -33825.6 -56082.47 -52680.88 -86623.94
Cash Flow from financing activities -7349.96 83645.94 146794.02 60552.6 20244.08
Effect of exchange fluctuation on translation reserve 1304.28 594.12 63.52 -205.36 0
Net increase/(decrease) in cash and cash equivalents 326849.6 68044.17 -13212.51 140096.76 -16134.01
Opening Cash & Cash Equivalents 312644.61 244006.32 255885.49 115994.08 69034.42
Cash & Cash Equivalent on Amalgamation / Take over / Merger 0 0 0 0 63093.68
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 1269.83 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0 0
Closing Cash & Cash Equivalent 640798.48 312644.61 244006.32 255885.49 115994.08
Cash & Cash Equivalent on Amalgamation / Take over / Merger 0 0 0 0 63093.68
Cash & Cash Equivalent of Subsidiaries under liquidations 0 0 1269.83 0 0
Translation adjustment on reserves / op cash balalces frgn subsidiaries 0 0 0 0 0
Effect of Foreign Exchange Fluctuations 0 0 0 0 0

Share Price

Year Open Price (₹) High Price (₹) Low Price (₹) Close Price (₹) Volume (000's) Value (in Lakhs)
February-2021 1730 2029.95 1696.25 1951.45 2306.62 44205.5
January-2021 1995 2007.35 1700.45 1713.45 7741.66 148131.58
December-2020 1934 2026.55 1802.6 2019.45 3671.51 69673.44
November-2020 1555 1947.7 1535.25 1901.65 4563.49 81939.21
October-2020 1278 1600.95 1278 1547.6 6473.64 90563.94
September-2020 1400 1441 1231.2 1268.15 3481.66 45755.56
August-2020 1364.95 1500.75 1300 1402.15 3947.03 53759.23
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