Kotak Mahindra Bank Ltd. reported a consolidated profit after tax (PAT) of ₹4,468 crore for Q2FY26, compared to ₹5,044 crore in the same period last year. The standalone PAT stood at ₹3,253 crore against ₹3,344 crore in Q2FY25, the bank said following a board meeting on Saturday.
Consolidated customer assets rose 13% year-on-year to ₹5,76,339 crore as of September 30, 2025, while total assets under management (AUM) grew 12% to ₹7,60,598 crore. At the standalone level, net advances climbed 16% to ₹4,62,688 crore, and total deposits increased 14% to ₹5,10,538 crore. The CASA ratio stood at 42.3%, with net interest income at ₹7,311 crore and a net interest margin of 4.54%.
In Kolkata, investors and analysts noted steady performance despite a marginal dip in profits, emphasizing that Kotak’s healthy capital adequacy ratio of 22.1% and improving asset quality signal stability in India’s banking sector. Market watchers expect increased retail lending and investment flows in eastern India in the coming quarters. Kotak Mahindra Bank’s gross NPA stood at 1.39% and net NPA at 0.32%, with a provision coverage ratio of 77%. The bank’s customer base reached 5.2 crore, supported by 2,198 branches and 2,758 ATMs nationwide.