Kotak Mahindra Bank's Q3 FY 2025-26 Quarterly Results
- 25 Jan 2026
Result Summary
- Kotak Mahindra Bank Ltd reported a 11.8% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Dec (Q3 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 16.3%.
- Its expenses for the quarter were up by 13.9% QoQ and 21.9% YoY.
- The net profit increased 10.2% QoQ and increased 4.7% YoY.
- The earnings per share (EPS) of Kotak Mahindra Bank Ltd stood at 4.95 during Q3 FY 2025-26.
Financial Statments for Q3 FY 2025-26
Total Income | 27850.79 | 24901.39 | 23945.79 | 11.8% | 16.3% |
Total Expenses | 20377.86 | 17884.20 | 16711.54 | 13.9% | 21.9% |
Provisions & contingencies | 939.59 | 1054.42 | 1054.17 | -10.9% | -10.9% |
Profit Before Tax | 6533.34 | 5962.77 | 6180.08 | 9.6% | 5.7% |
Tax | 1629.34 | 1516.83 | 1540.45 | 7.4% | 5.8% |
Profit After Tax | 4924.29 | 4468.27 | 4701.02 | 10.2% | 4.7% |
Earnings Per Share | 4.95 | 22.47 | 23.64 | -78.0% | -79.1% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
Kotak Mahindra Bank Ltd is a prominent Indian banking and financial services company offering a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels. These include personal finance, investment banking, life insurance, and wealth management. As a leading player in the Indian financial sector, Kotak Mahindra Bank has been recognized for its robust financial performance and innovative services. The company operates in the banking industry, which is a critical component of the financial services sector in India. Recent developments in the banking sector, such as digital banking initiatives and regulatory changes, may impact its operations, although specific recent developments for Kotak Mahindra Bank are not detailed in the provided data.
Revenue
In the third quarter of FY26, Kotak Mahindra Bank Ltd reported a total income of ₹27,850.79 crores, compared to ₹24,901.39 crores in the previous quarter (Q2FY26) and ₹23,945.79 crores in the same quarter of the previous year (Q3FY25). This represents an 11.8% increase quarter-over-quarter (QoQ) and a 16.3% increase year-over-year (YoY). The growth in total income indicates the bank's ability to enhance its revenue streams over the respective periods. The increase in total income from both QoQ and YoY perspectives suggests an upward trend in the company's operational performance and market activities during this period.
Profitability
Kotak Mahindra Bank Ltd's profitability indicators for Q3FY26 reflect a profit before tax of ₹6,533.34 crores, which is an increase from ₹5,962.77 crores in Q2FY26 and ₹6,180.08 crores in Q3FY25. The profit before tax grew by 9.6% QoQ and 5.7% YoY. Tax expenses for the quarter stood at ₹1,629.34 crores, up from ₹1,516.83 crores in the previous quarter and ₹1,540.45 crores in the same quarter last year, marking a 7.4% QoQ and a 5.8% YoY increase. Profit after tax for Q3FY26 was ₹4,924.29 crores, up by 10.2% from Q2FY26 and 4.7% from Q3FY25. These figures reflect the company's ability to maintain profitability growth over both the short and long term.
Operating Metrics
The total expenses for Kotak Mahindra Bank Ltd in Q3FY26 were ₹20,377.86 crores, an increase from ₹17,884.20 crores in Q2FY26 and ₹16,711.54 crores in Q3FY25. This marks a 13.9% rise QoQ and a 21.9% rise YoY. Provisions and contingencies decreased by 10.9% QoQ and YoY, amounting to ₹939.59 crores in Q3FY26 compared to ₹1,054.42 crores in Q2FY26 and ₹1,054.17 crores in Q3FY25. Earnings per share (EPS) for the quarter were ₹4.95, significantly lower than both ₹22.47 in Q2FY26 and ₹23.64 in Q3FY25, reflecting a decrease of 78.0% QoQ and 79.1% YoY. The metrics for expenses and provisions, along with the EPS figures, provide insights into the bank's operational efficiency and financial health during this period.