Kotak Mahindra Bank Q2FY27 PAT Up 26% to ₹5,645 Crore; Cons. PAT at ₹5,645 Cr.
Kotak Mahindra Bank reported Q2FY27 consolidated PAT of ₹5,645 crore, up 26% YoY. Standalone PAT rose 29% to ₹4,212 crore. Net Interest Income increased 16% to ₹8,459 crore. Customer Assets grew 23% to ₹626,801 crore. Net NPA was 0.24% and Credit Cost stood at 0.35%.
The announcement of robust quarterly financial results, including profit growth and key performance indicators, is material information for investors and significantly impacts the bank's valuation and market perception.
The bank reported significant year-on-year growth in both consolidated and standalone Profit After Tax, along with healthy increases in Net Interest Income and Customer Assets, indicating strong financial performance.
Kotak Mahindra Bank Limited announced its Consolidated and Standalone Unaudited Financial Results for the quarter and half-year ended September 30, 2026. The bank reported a consolidated Profit After Tax (PAT) of ₹5,645 crore for Q2FY27, marking a significant increase of 26% compared to ₹4,468 crore in Q2FY26. For the half-year ended September 30, 2026 (H1FY27), the consolidated PAT stood at ₹11,126 crore, up 24% from ₹8,940 crore in H1FY26.
The bank's standalone PAT for Q2FY27 was ₹4,212 crore, a 29% increase year-on-year from ₹3,253 crore in Q2FY26. The Net Interest Income (NII) for Q2FY27 grew by 16% to ₹8,459 crore from ₹7,311 crore in the previous year. Other Income also saw a substantial rise of 23% to ₹3,194 crore.
Key financial highlights for Q2FY27 include a Customer Assets value of ₹626,801 crore, up 23% YoY. The Net NPA stood at 0.24%, with a Credit Cost of 0.35%. The NIM was reported at 4.31%, and the Cost to Income ratio improved to 45.2%. The bank's CASA ratio was 38.2%, and its CET-I ratio was maintained at a strong 21.4%.
The investor presentation also detailed the performance of various group entities, including Kotak Mahindra Prime, Kotak Securities, Kotak Mahindra AMC, and Kotak Mahindra Life Insurance, showcasing their respective financial results and operational highlights. The presentation outlined the bank's strategic pillars, focusing on customer segments, independent product businesses, and technology, digital, and AI initiatives.
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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.