Kotak Mahindra Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

14,477.49

14,174.77

13,903.25

13,649.41

13,836.54

13,529.77

13,427.58

Income On Investments

2,673.14

2,681.83

2,623.15

2,661.37

2,869.27

2,743.35

2,721.46

Interest On Balances With Rbi Other Inter Bank Funds

370.85

346.88

321.45

235.19

219.02

153.29

244.97

Interest / Discount On Advances / Bills

11,271.24

11,008.40

10,826.97

10,605.13

10,614.51

10,485.22

10,348.96

Others

162.26

137.66

131.68

147.72

133.74

147.91

112.19

Other Income

3,338.20

3,116.33

2,837.80

2,589.18

3,079.98

3,182.46

2,622.80

Total Income

17,815.69

17,291.10

16,741.05

16,238.59

16,916.52

16,712.23

16,050.38

Interest Expended

6,549.06

6,299.30

6,338.68

6,338.67

6,577.25

6,246.20

6,231.33

Net Interest Income

7,928.43

7,875.47

7,564.57

7,310.74

7,259.29

7,283.57

7,196.25

Total Expenditure (Excl Depreciation)

5,135.28

5,136.63

5,022.60

4,631.65

4,775.58

4,993.83

4,638.04

Employee Cost

2,210.31

2,060.81

2,245.81

1,979.53

2,065.52

2,106.26

1,952.48

Other Operating Expenses

2,924.97

3,075.82

2,776.79

2,652.12

2,710.06

2,887.57

2,685.56

Operating Profit Before Provisions and Contingencies

6,131.35

5,855.17

5,379.77

5,268.27

5,563.69

5,472.20

5,181.01

Exceptional Items

0.00

Provisions and contingencies

668.13

516.42

809.58

947.42

1,207.76

909.38

794.11

Profit Before Tax

5,463.22

5,338.75

4,570.19

4,320.85

4,355.93

4,562.82

4,386.90

Tax

1,340.26

1,312.20

1,124.05

1,067.52

1,074.25

1,011.08

1,082.10

Profit After Tax

4,122.96

4,026.55

3,446.14

3,253.33

3,281.68

3,551.74

3,304.80

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

4,122.96

4,026.55

3,446.14

3,253.33

3,281.68

3,551.74

3,304.80

Face Value

1.0

5.0

Reserves

0.00

Earnings per share (EPS)

4.15

4.05

3.47

3.27

3.3

3.57

3.32

Diluted Earnings per share

4.14

4.05

3.47

3.27

3.3

3.57

3.32

Operating Profit Margin (Excl OI)

59.91%

60.12%

58.05%

59.13%

56.76%

56.37%

59.54%

Gross Profit Margin

37.74%

37.66%

32.87%

31.66%

31.48%

33.72%

32.67%

PAT Margin

28.48%

28.41%

24.79%

23.83%

23.72%

26.25%

24.61%

Net Interest Margin

4.53%

4.67%

4.54%

4.65%

4.97%

4.93%

Return on Assets

0.53%

0.48%

0.47%

0.48%

0.54%

0.53%

CASA (%)

40.3%

43.3%

41.3%

42.3%

40.9%

43.0%

42.3%

CASA Amount

2,31,017.00

2,47,723.00

2,24,199.00

2,19,863.00

2,09,645.00

2,14,416.00

2,00,411.00

Capital Adequacy Ratio (Total)

22.78%

22.4%

22.63%

22.05%

23.0%

22.25%

22.79%

Capital Adequacy Ratio (Tier 1)

22.4%

21.3%

21.5%

20.9%

21.8%

20.5%

21.7%

Provision Coverage Ratio (%)

78.0%

79.0%

76.0%

77.0%

78.0%

73.0%

Amount of Gross NPAs

5,121.83

6,017.81

6,319.82

6,479.58

6,637.70

6,133.85

6,266.25

Amount of Net NPAs

1,357.56

1,262.51

1,496.85

1,490.98

1,530.93

1,343.44

1,680.98

% of Net NPAs

0.27%

0.25%

0.31%

0.32%

0.34%

0.31%

0.41%

% of Gross NPAs

1.18%

1.2%

1.3%

1.39%

1.48%

1.42%

1.5%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2734.0

2727.0

2749.0

2758.0

2927.0

3295.0

3337.0

Number of Branches

2301.0

2276.0

2218.0

2198.0

2154.0

2148.0

2068.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Jun 2026 is 2.14% vs 1.95% in Mar 2026

Net Profit

QoQ Growth in quarter ended Jun 2026 is 2.39% vs 16.84% in Mar 2026

Operating Profit (PBDIT)

QoQ Growth in quarter ended Jun 2026 is 4.72% vs 8.84% in Mar 2026

% of Net NPAs

QoQ Growth in quarter ended Jun 2026 is 0.02% vs -0.06% in Mar 2026

% of Gross NPAs

QoQ Growth in quarter ended Jun 2026 is -0.02% vs -0.10% in Mar 2026

Compare Quarterly Results Of Kotak Mah. Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

14,477.49

45,670.78

-31,193.29

-68.3%

Income On Investments

2,673.14

8,376.24

-5,703.10

-68.09%

Interest On Balances With Rbi Other Inter Bank Funds

370.85

901.25

-530.40

-58.85%

Interest / Discount On Advances / Bills

11,271.24

35,213.58

-23,942.34

-67.99%

Others

162.26

1,179.71

-1,017.45

-86.25%

Other Income

3,338.20

8,576.06

-5,237.86

-61.08%

Total Income

17,815.69

54,246.84

-36,431.15

-67.16%

Interest Expended

6,549.06

21,286.43

-14,737.37

-69.23%

Net Interest Income

7,928.43

24,384.35

-16,455.92

-67.49%

Total Expenditure (Excl Depreciation)

5,135.28

12,574.34

-7,439.06

-59.16%

Employee Cost

2,210.31

5,004.64

-2,794.33

-55.83%

Other Operating Expenses

2,924.97

7,569.70

-4,644.73

-61.36%

Operating Profit Before Provisions and Contingencies

6,131.35

20,386.07

-14,254.72

-69.92%

Exceptional Items

0.00

Provisions and contingencies

668.13

1,260.45

-592.32

-46.99%

Profit Before Tax

5,463.22

19,125.62

-13,662.40

-71.44%

Tax

1,340.26

4,321.12

-2,980.86

-68.98%

Profit After Tax

4,122.96

14,804.50

-10,681.54

-72.15%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

4,122.96

14,804.50

-10,681.54

-72.15%

Face Value

1.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

4.15

20.63

-16.48

-79.88%

Diluted Earnings per share

4.14

20.42

-16.28

-79.73%

Operating Profit Margin (Excl OI)

59.91%

69.71%

0.00

-9.80%

Gross Profit Margin

37.74%

41.88%

0.00

-4.14%

PAT Margin

28.48%

32.42%

0.00

-3.94%

Net Interest Margin

4.53%

4.36%

0.17

0.17%

Return on Assets

0.53%

0.00%

0.53

0.53%

CASA (%)

40.30%

38.10%

2.20

2.20%

CASA Amount

2,31,017.00

7,24,256.00

-4,93,239.00

-68.1%

Capital Adequacy Ratio (Total)

22.78%

16.84%

5.94

5.94%

Capital Adequacy Ratio (Tier 1)

22.40%

16.19%

6.21

6.21%

Provision Coverage Ratio (%)

78.00%

74.70%

3.30

3.30%

Amount of Gross NPAs

5,121.83

23,846.59

-18,724.76

-78.52%

Amount of Net NPAs

1,357.56

5,908.27

-4,550.71

-77.02%

% of Net NPAs

0.27%

0.35%

-0.08

-0.08%

% of Gross NPAs

1.18%

1.38%

-0.20

-0.20%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

2,734.00

12,190.00

-9,456.00

-77.57%

Number of Branches

2,301.00

7,608.00

-5,307.00

-69.76%

Quarterly - Interest Earned

Interest Earned 14477.49 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 2.14% vs 1.95% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 4.63% vs 8.56% in Jun 2025

Quarterly - Net Profit

Net Profit 4,122.96 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 2.39% vs 16.84% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 25.64% vs -7.96% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 6,131.35 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 4.72% vs 8.84% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 10.20% vs 5.89% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.27%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is 0.02% vs -0.06% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.07% vs -0.01% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 1.18%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.02% vs -0.10% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.30% vs 0.09% in Jun 2025