Kotak Mahindra Bank Cash Flow Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Net Income	221,260	182,132	149,250	120,894	99,902
Depreciation & Amortization	9,409	7,918	5,993	4,804	4,611
Gain (Loss) on Sale of Assets	-38,492	-71.38	-107.78	-264.3	-386.56
Gain (Loss) on Sale of Investments	-44,287	-70,717	10,604	-12,141	-45,732
Provision for Credit Losses	37,656	18,982	4,578	8,509	28,804
Change in Other Net Operating Assets	-516,386	-817,930	-694,613	-352,332	-222,638
Other Operating Activities	5,243	-3,874	-442.03	1,146	-479.45
Operating Cash Flow	-325,230	-683,111	-524,282	-229,071	-135,901
Capital Expenditures	-12,128	-11,267	-9,868	-6,698	-3,686
Sale of Property, Plant and Equipment	647.59	346.14	261.27	364.43	684.49
Cash Acquisitions	-	-5,319	-	-	-
Investment in Securities	-281,971	-74,729	-95,895	-103,359	-108,160
Divestitures	40,731	-	-	-	-
Investing Cash Flow	-252,721	-90,969	-105,502	-109,693	-111,161
Long-Term Debt Issued	225,164	161,525	18,741	74,039	-
Long-Term Debt Repaid	-	-	-	-	-178,378
Net Debt Issued (Repaid)	225,164	161,525	18,741	74,039	-178,378
Issuance of Common Stock	464.01	1,992	2,679	3,586	78,437
Preferred Share Repurchases	-	-5,000	-	-	-
Preferred Dividends Paid	-	-	-	-	-405
Total Dividends Paid	-3,976	-3,366	-2,589	-2,190	-405
Net Increase (Decrease) in Deposit Accounts	494,387	839,961	511,857	312,155	184,712
Other Financing Activities	-	-	-	-0.53	-374.79
Financing Cash Flow	716,039	995,112	530,687	387,589	83,992
Foreign Exchange Rate Adjustments	697.55	365.23	1,695	663.55	-561.77
Net Cash Flow	138,554	222,810	-97,401	49,489	-163,632
Free Cash Flow	-337,358	-694,378	-534,149	-235,769	-139,587
Free Cash Flow Margin	-45.15%	-99.76%	-100.55%	-51.79%	-34.39%
Free Cash Flow Per Share	-33.94	-69.88	-53.79	-23.77	-14.17
Cash Interest Paid	231.6	393.1	605.6	930.6	1,700
Cash Income Tax Paid	63,387	60,376	47,654	37,443	32,261

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.