Kotak Mahindra Bank Q3FY26 Results: PAT at ₹4,924 cr, Up 5% YoY
Kotak Mahindra Bank reported consolidated PAT of ₹4,924 crore for Q3FY26, up 5% YoY. Standalone PAT increased 4% YoY to ₹3,446 crore. Customer Assets grew to ₹7.88 lakh crore. CAR was 23.4% and CET-1 was 22.5%. NNPA improved to 0.31%. The bank released an investor presentation for its earnings conference call.
Quarterly financial results, especially for a large bank, are material information that significantly impacts investor decisions and market perception.
The bank reported an increase in consolidated and standalone PAT, improved asset quality (lower NNPA), and growth in customer assets, indicating positive financial performance.
Kotak Mahindra Bank Limited announced its consolidated and standalone financial results for the quarter and nine months ended December 31, 2025. The bank reported a consolidated Profit After Tax (PAT) of ₹4,924 crore for Q3FY26, an increase of 5% year-on-year from ₹4,701 crore in Q3FY25. For the nine months ended December 31, 2025 (9MFY26), the consolidated PAT stood at ₹13,865 crore, a decrease of 2% year-on-year from ₹14,180 crore in 9MFY25.
The bank's consolidated Customer Assets reached ₹787,950 crore as of December 31, 2025, up from ₹685,134 crore in the previous year. Capital Adequacy Ratio (CAR) was 23.4% and Common Equity Tier-1 (CET-1) ratio was 22.5% as per Basel III norms. Return on Assets (ROA) improved to 2.30% from 2.10%, and Return on Equity (ROE) increased to 12.43% from 11.39%.
On a standalone basis, the bank's PAT for Q3FY26 was ₹3,446 crore, a 4% increase year-on-year. Net Interest Income (NII) grew by 5% to ₹7,565 crore. Net Non-Performing Assets (NNPA) improved to 0.31% from 0.41% year-on-year, and the Net Interest Margin (NIM) stood at 4.54% for the quarter.
The investor presentation for the earnings conference call, detailing these results, has been enclosed and is also available on the bank's website.
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Kotak Mahindra Bank Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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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.