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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Kotak Mahindra Bank
Kotak Mahindra Bank (KOTAKBANK) investor relations material
Kotak Mahindra Bank Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary24 Oct, 2026
Executive summary
Q2 FY27 consolidated PAT was ₹5,645.38 crore, up 26% YoY; standalone PAT was ₹4,211.97 crore, up 29%. Subsidiaries contributed 26% of consolidated profit.
Management emphasized profitable growth, customer-franchise expansion, a stronger deposit base and technology-led productivity.
Financial highlights
Standalone NII rose 16% YoY to ₹8,459 crore; net total income increased 18% to ₹11,653 crore and operating profit rose 21% to ₹6,382 crore.
Consolidated operating profit was ₹8,350.73 crore and PBT ₹7,530.30 crore; consolidated PAT rose 3% QoQ.
H1 FY27 consolidated PAT grew 24% to ₹11,126 crore, excluding the prior-year Infina divestment gain; standalone H1 PAT was ₹8,334.93 crore.
Standalone deposits were ₹651,491.47 crore and advances ₹577,294.71 crore at September 30, 2026, up 23% and 25% YoY, respectively.
Consolidated total income was ₹29,426.88 crore in Q2 FY27; consolidated net customer assets reached ₹699,250 crore, up 21% YoY.
Outlook and guidance
Advances are targeted to grow at 1.5x–2x nominal GDP; remaining FCNR liquidity is planned for deployment into customer assets over coming quarters, beyond core deposit-funded growth.
NIM reflects the full-quarter FCNR funding impact, asset deployment and repo-rate transmission; management expects deployment to support a pickup but gave no margin guidance.
Investment priorities include customer segments, independent product businesses, technology, digital and AI; planned efficiency measures include reducing manual work and fixed overhead.
Digital investment targets scalable infrastructure, data-led risk decisions and AI-enabled service, productivity and controls; core architecture supports ~10,000 transactions per second and 3.6 crore+ API calls daily.
Kotak811 monthly customer acquisition averaged 321K over the rolling 12 months; digital savings accounts were 13.3% of total savings accounts.
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Latest events from Kotak Mahindra Bank
- Robust growth, digital innovation, and strong asset quality drive scale and recognition.KOTAKBANK
Investor presentation - Net profit up 23% YoY to ₹5,480.46 crore, driven by strong income and major acquisition.KOTAKBANKQ1 26/27
- Q4FY26 PAT up 6% YoY, asset quality improved, and capital ratios remain strong.KOTAKBANKQ4 25/26
- Q3FY26 net profit reached ₹4,924 crore, driven by insurance stake sale and strong asset growth.KOTAKBANKQ3 25/26
- Q2FY26 PAT fell 11% YoY to ₹4,468 crore, but advances, deposits, and asset quality improved.KOTAKBANKQ2 25/26
- Q1 FY26 saw robust profit, stable asset quality, and a significant insurance divestment gain.KOTAKBANKQ1 25/26
- Q2 profit up 13% YoY to ₹5,044 crore, boosted by retail growth and insurance stake sale gain.KOTAKBANKQ2 24/25
- FY25 net profit rose to ₹22,126 crore, aided by insurance divestment and strong core growth.KOTAKBANKQ4 24/25
- Q3 FY25 PAT up 10% YoY to ₹4,701 crore; strong growth in core and fee businesses.KOTAKBANKQ3 24/25
Next Kotak Mahindra Bank earnings date
Q3 26/2723 Jan, 2027
Kotak Mahindra Bank
Next Kotak Mahindra Bank earnings date
Q3 26/2723 Jan, 2027
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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.