Kotak Mahindra Bank Q2FY27 PAT Jumps 29% YoY to ₹4,212 Cr (Standalone), 26% to ₹5,645 Cr (Consolidated)
Kotak Mahindra Bank reported standalone PAT of ₹4,212 crore for Q2FY27, up 29% YoY. Consolidated PAT was ₹5,645 crore, up 26% YoY. Net Advances grew 25% YoY to ₹577,295 crore, and total deposits rose 23% YoY to ₹651,491 crore.
The announcement includes key financial performance indicators like PAT, NII, advances, and deposits, which are crucial for investors and analysts in evaluating the bank's financial health and growth trajectory.
The bank reported strong year-on-year growth in both standalone and consolidated profit after tax, along with significant increases in net advances and total deposits.
Kotak Mahindra Bank announced its unaudited standalone and consolidated financial results for the quarter and half-year ended September 30, 2026. The Board of Directors approved these results at a meeting held on October 24, 2026.
On a standalone basis, the Bank reported a Profit After Tax (PAT) of ₹4,212 crore for Q2FY27, marking a significant increase of 29% year-on-year (YoY) from ₹3,253 crore in Q2FY26 and a 2% increase quarter-on-quarter (QoQ) from ₹4,123 crore in Q1FY27. Net Interest Income (NII) grew by 16% YoY to ₹8,459 crore. Net Interest Margin (NIM) stood at 4.31%. Operating expenses increased by 14% YoY to ₹5,271 crore, while operating profit rose by 21% YoY to ₹6,382 crore. Provisions decreased by 15% YoY to ₹803 crore, with a credit cost of 0.35%.
Net Advances increased by 25% YoY to ₹577,295 crore. Total deposits grew by 23% YoY to ₹651,491 crore. The CASA ratio was 38.2%. Gross Non-Performing Assets (GNPA) stood at 1.04% and Net Non-Performing Assets (NNPA) at 0.24%. Standalone ROA was 1.92% and ROE was 11.65%. The Capital Adequacy Ratio (CAR) was 21.9% as of September 30, 2026.
On a consolidated basis, PAT for Q2FY27 was ₹5,645 crore, up 26% YoY from ₹4,468 crore in Q2FY26 and up 3% QoQ from ₹5,480 crore in Q1FY27. Consolidated Customer Assets grew to ₹699,250 crore, and Assets Under Management (AUM) reached ₹814,118 crore. Consolidated Networth was ₹194,706 crore, with Book Value per Share at ₹196. Consolidated ROA was 2.10% and ROE was 11.70%. Consolidated CAR stood at 22.4%.
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See the model portfoliosA plain-language summary of a public exchange filing by Kotak Mahindra Bank Limited. Read the original for the full detail.