Kotak Mahindra Bank's Q4 FY 2025-26 Quarterly Results

Result Summary

• Kotak Mahindra Bank Ltd reported a 0.9% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 3.4%.
• Its expenses for the quarter were up by 0.3% QoQ and 3.9% YoY.
• The net profit increased 10.1% QoQ and increased 9.9% YoY.
• The earnings per share (EPS) of Kotak Mahindra Bank Ltd stood at 5.45 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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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, a prominent player in the Indian banking sector, offers a wide range of financial services including personal banking, corporate banking, investment banking, and asset management. Known for its strong presence in retail banking, the bank provides various products such as savings accounts, fixed deposits, personal loans, and credit cards. The bank also has a significant footprint in the insurance sector through its subsidiaries. As of recent developments, Kotak Mahindra Bank has been focusing on expanding its digital banking capabilities to improve customer accessibility and operational efficiency.

Revenue

For the fourth quarter of the fiscal year 2026 (Q4FY26), Kotak Mahindra Bank Ltd reported a total income of ₹28,107.60 crores. This marks a quarter-over-quarter increase of 0.9% from ₹27,850.79 crores in the third quarter of the fiscal year 2026 (Q3FY26) and a year-over-year growth of 3.4% from ₹27,174.42 crores in the fourth quarter of the fiscal year 2025 (Q4FY25). The sustained revenue growth reflects the bank's ongoing efforts to enhance its income streams across various segments of its operations.

Profitability

In terms of profitability, the bank's profit before tax (PBT) for Q4FY26 was ₹7,443.21 crores, which is a 13.9% increase from ₹6,533.34 crores in Q3FY26 and a 17.2% increase from ₹6,351.10 crores in Q4FY25. The profit after tax (PAT) stood at ₹5,423.15 crores, reflecting a quarter-over-quarter rise of 10.1% from ₹4,924.29 crores and a year-over-year growth of 9.9% from ₹4,932.76 crores. The effective tax rate for this quarter was higher, with tax expenses increasing by 25.3% QoQ and 41.6% YoY, which impacted the net profitability figures. Earnings per share (EPS) for Q4FY26 was ₹5.45, which shows a significant decrease from the previous quarters due to changes in reporting or share capital structure.

Operating Metrics

Total expenses for Q4FY26 were reported at ₹20,446.97 crores, showing a slight quarter-over-quarter increase of 0.3% and a year-over-year increase of 3.9%. Provisions and contingencies saw a notable decrease, with a 37.7% decline QoQ and a 48.7% decline YoY, indicating a reduction in the bank's allocation for potential future liabilities or bad debts. This reduction in provisions contributed positively to the bank's operating metrics, allowing for a more favorable profit before tax outcome. The financial data suggests that the bank has maintained a strong operational stance with controlled expense growth and reduced provisioning needs.