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Kotak Mahindra Bank
Kotak Mahindra Bank (KOTAKBANK) investor relations material
Kotak Mahindra Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary24 Jan, 2026
Executive summary
Net advances and deposits grew 16% and 15% year-over-year, respectively, with strong balance sheet expansion and a focus on granular CASA growth and responsible unsecured retail loan growth.
Subsidiaries contributed 30% of consolidated profits, with significant contributions from banking, capital markets, insurance, and asset management.
Consolidated PAT for Q3FY26 rose to ₹4,924 crore, up 5% year-over-year, with 10% sequential growth.
The group continues to invest in automation, digitization, and technology resilience, scaling digital platforms and expanding customer segments.
Results reflect the impact of the new Labour Codes, with incremental provisions recognized under employee costs.
Financial highlights
Balance sheet and customer assets grew 15% year-over-year; net advances up 16% year-over-year.
Consolidated total income for Q3 FY26 was ₹27,850.79 crore, up from ₹23,945.79 crore in Q3 FY25.
PAT for Q3 was INR 3,400 crore (standalone) and consolidated PAT at ₹4,924 crore, up 5% year-over-year.
Exceptional gain of ₹3,803.40 crore from the sale of a 70% stake in the general insurance subsidiary.
Book value per share rose to ₹176, a 15% increase year-over-year.
Outlook and guidance
Expectation of moderate NIM increase in Q4 due to CRR cut and seasonal effects; credit cost expected to decline further.
The group will reassess the impact of the new Labour Codes based on final rules and industry practices.
Focus on scaling digital platforms, expanding customer segments, and ongoing investment in technology and product innovation.
Emphasis on inclusive and responsible growth, with a strong ESG framework and community initiatives.
New Labour Codes impact reassessment plans?
KGI associate status: future strategic impact?
Pillar 3 disclosures: why unreviewed by auditors?
How will unsecured growth impact credit costs?
Deposit repricing completion & NIM outlook
Cost-to-asset ratio target and drivers
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Next Kotak Mahindra Bank earnings date
Q4 25/2629 Apr, 2026
Kotak Mahindra Bank
Next Kotak Mahindra Bank earnings date
Q4 25/2629 Apr, 2026
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Frequently asked questions
Kotak Mahindra Bank Limited, a banking company, provides various banking and financial services to corporate and individual customers in India. Its Treasury Products and Services segment offers foreign exchange transactions, currency options/futures products, commodity hedging solutions, bond trading, money markets and cash management services, derivatives trading solutions, customised solutions in treasury risk management products, equities and equity related products debt capital markets and private equity.
The company\'s Commercial Banking segment offers loans for business needs; working capital finance; SME finance; supply chain financing solutions; project finance solutions; specific sector focused financing solutions; international trade solutions; investment and wealth management solutions for corporates. Kotak Mahindra Bank Limited was incorporated in 1985 and is based in Mumbai, India.
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