{"id":14987,"date":"2025-10-27T17:58:31","date_gmt":"2025-10-27T12:28:31","guid":{"rendered":"https:\/\/www.torusdigital.com\/toruscope\/?p=14987"},"modified":"2025-12-05T11:57:27","modified_gmt":"2025-12-05T06:27:27","slug":"kotak-mahindra-bank-q2-fy26-results-net-profit-slips-2-7-while-nii-rises-4-yoy","status":"publish","type":"post","link":"https:\/\/www.torusdigital.com\/toruscope\/quarterly-results\/kotak-mahindra-bank-q2-fy26-results-net-profit-slips-2-7-while-nii-rises-4-yoy\/","title":{"rendered":"Kotak Mahindra Bank Q2 FY26 Results: Net Profit Slips 2.7% While NII Rises 4% YoY"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_section el_id=&#8221;blog-inner-layout&#8221;][vc_row overlay_dotted=&#8221;&#8221;][vc_column el_class=&#8221;blog_primary&#8221;][vc_row_inner][vc_column_inner][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>For the quarter ending 30 September 2025 (Q2 FY26), <a href=\"https:\/\/www.torusdigital.com\/stocks\/kotak-mahindra-bank-ltd-share-price\">Kotak Mahindra Bank<\/a> reported its financial results on October 25, 2025, showcasing steady progress in loans and deposits, accompanied by a notable improvement in asset quality despite a modest dip in profitability.<\/p>\n<p>The standalone net profit stood at \u20b93,253 crore, down 2.7% year-on-year from \u20b93,344 crore in the corresponding quarter of the previous fiscal. On a consolidated basis, which includes subsidiaries, the net profit was \u20b94,468 crore, compared with \u20b95,044 crore a year earlier.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Financial_Highlights\"><\/span><strong>Key Financial Highlights<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Net Interest Income (NII) increased 4% year-on-year to \u20b97,311 crore, up from \u20b97,020 crore in Q2 FY25, reflecting healthy growth in interest earnings. The Net Interest Margin (NIM) held firm at 4.54%, while the cost of funds stood at 4.70% for the quarter, underscoring the bank\u2019s consistent margin management.<\/p>\n<p>The operating profit rose 3% year-on-year to \u20b95,268 crore, highlighting resilient operational performance. Meanwhile, provisions were reported at \u20b9947 crore, higher than \u20b9660 crore in Q2 FY25 but below \u20b91,208 crore in the preceding quarter, indicating stable asset provisioning.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Steady_Growth_in_Advances_and_Deposits\"><\/span><strong>Steady Growth in Advances and Deposits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kotak Mahindra Bank\u2019s net advances expanded 16% year-on-year to \u20b94,62,688 crore, compared to \u20b93,99,522 crore in the same period last year. The growth was broad-based across segments, reflecting strong credit demand.<\/p>\n<p>Average total deposits climbed 14% year-on-year to \u20b95,10,538 crore, supported by balanced contributions from current, savings, and term deposits. The CASA ratio stood at 42.3% as of 30 September 2025, while the credit-to-deposit ratio remained stable at 87.5%.<\/p>\n<p>A closer look at deposit composition shows:<\/p>\n<ul>\n<li><strong>Average current deposits<\/strong> rose 14% year-on-year to \u20b970,220 crore.<\/li>\n<li><strong>Average fixed-rate savings deposits<\/strong> increased 8% year-on-year to \u20b91,13,894 crore.<\/li>\n<li><strong>Average term deposits<\/strong> recorded the strongest growth, advancing 20% year-on-year to \u20b93,11,889 crore.<\/li>\n<\/ul>\n<p>The bank continues to deepen its customer base, now serving 5.2 crore clients nationwide.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Improvement_in_Asset_Quality_and_Capital_Strength\"><\/span><strong>Improvement in Asset Quality and Capital Strength<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The lender demonstrated notable improvement in asset quality during the quarter.<\/p>\n<ul>\n<li><strong>Gross Non-Performing Assets (GNPA)<\/strong> declined to 1.39%, compared with 1.49% a year ago.<\/li>\n<li><strong>Net Non-Performing Assets (NNPA)<\/strong> improved to 0.32%, down from 0.43% in Q2 FY25.<\/li>\n<\/ul>\n<p>The Provision Coverage Ratio (PCR) remained strong at 77%, reflecting prudent credit management.<\/p>\n<p>Under Basel III guidelines, the bank reported a Capital Adequacy Ratio of 22.1% and a CET1 ratio of 20.9%, including unaudited profits \u2014 underscoring its solid capital position and ability to absorb potential credit risks.<\/p>\n<p><a href=\"https:\/\/torusdigital.go.link\/hgQeE\" target=\"_blank\" rel=\"noopener\"><br \/>\n<img decoding=\"async\" class=\"responsive-img\" src=\"https:\/\/www.torusdigital.com\/toruscope\/wp-content\/uploads\/2025\/07\/Desktop-1.jpg\" alt=\"\" \/><br \/>\n<\/a><\/p>\n<style>\n<p>  .responsive-img {<\/p>\n<p>    display: block;<\/p>\n<p>    margin-left: auto;<\/p>\n<p>    margin-right: auto;<\/p>\n<p>    width: 100%;<\/p>\n<p>    max-width: 900px;<br \/><\/style>\n<h2><span class=\"ez-toc-section\" id=\"Operational_Efficiency_and_Returns\"><\/span><strong>Operational Efficiency and Returns<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Fee and service income rose 4% year-on-year to \u20b92,415 crore, supported by diversified income streams. Operating expenses edged up 1% year-on-year to \u20b94,632 crore, showing effective cost control. The annualised credit cost improved to 0.79%, compared with 0.93% in the preceding quarter.<\/p>\n<p>On a standalone basis, Return on Assets (ROA) stood at 1.88%, and Return on Equity (ROE) was 10.38% for the quarter. At the consolidated level, the ROA and <a href=\"https:\/\/www.torusdigital.com\/toruscope\/stocks\/what-is-return-on-equity\/\">ROE<\/a> were 1.97% and 10.65%, respectively, indicating sustained efficiency.<\/p>\n<p>The bank\u2019s book value per share rose 14% year-on-year to \u20b9844, up from \u20b9740 in the prior year.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Leadership_Commentary_and_Outlook\"><\/span><strong>Leadership Commentary and Outlook<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Chief Executive Officer Ashok Vaswani highlighted that growth during the quarter was driven by customer-focused initiatives and improving consumer sentiment, boosted by GST rate adjustments and the festive season. He acknowledged pockets of pressure in the retail commercial vehicle segment but reiterated the bank\u2019s measured approach to unsecured lending, with gradual expansion planned over time.<\/p>\n<p>Chief Financial Officer Devang Gheewalla added that the bank remains well-capitalised and fully prepared to meet Expected Credit Loss (ECL) provisioning norms, backed by robust capital buffers and steady earnings performance.<\/p>\n<p><strong>Also Read:<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.torusdigital.com\/toruscope\/quarterly-results\/adani-energy-solutions-q2-fy26-results-profit-falls-21-yoy-revenue-grows-7\/\">Adani Energy Solutions Q2 FY26 Results: Profit Falls 21% YoY, Revenue Grows 7%<\/a><\/li>\n<li><a href=\"https:\/\/www.torusdigital.com\/toruscope\/quarterly-results\/indian-oil-corporation-q2-fy26-results-profit-climbs-to-%e2%82%b97817-crore-revenue-grows-3-9-yoy\/\">Indian Oil Corporation Q2 FY26 Results: Profit Climbs to \u20b97,817 Crore, Revenue Grows 3.9% YoY<\/a><\/li>\n<li><a href=\"https:\/\/www.torusdigital.com\/toruscope\/quarterly-results\/dr-reddys-laboratories-q2-fy26-results-profit-up-14-revenue-climbs-nearly-10\/\">Dr Reddy\u2019s Laboratories Q2 FY26 Results: Profit Up 14%, Revenue Climbs Nearly 10%<\/a><\/li>\n<li><a href=\"https:\/\/www.torusdigital.com\/toruscope\/quarterly-results\/coforge-q2-fy26-results-profit-surges-86-yoy-revenue-up-32\/\">Coforge Q2 FY26 Results: Profit Surges 86% YoY, Revenue Up 32%<\/a><\/li>\n<li><a href=\"https:\/\/www.torusdigital.com\/toruscope\/quarterly-results\/itc-hotels-q2-fy26-results-net-profit-soars-74-yoy-revenue-up-8\/\">ITC Hotels Q2 FY26 Results: Net Profit Soars 74% YoY, Revenue Up 8%<\/a><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kotak Mahindra Bank\u2019s second-quarter results reflect stable operational momentum, sound asset quality, and healthy capital ratios, despite a marginal decline in profit. The bank\u2019s disciplined approach to lending, strong balance sheet, and continued digital initiatives position it well to sustain growth in India\u2019s dynamic banking landscape.<\/p>\n<p>To stay updated with daily <a href=\"https:\/\/www.torusdigital.com\/toruscope\/quarterly-results\/\"><span data-ccp-charstyle=\"normaltextrun\">financial results<\/span><\/a><span data-ccp-charstyle=\"normaltextrun\">, market insights, and developments, make sure to follow Torus Digital!\u202f\u202f<\/span>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_id=&#8221;share_rating&#8221;][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h6>Rate this article<\/h6>\n<!-- FeedbackWP Plugin --><div  class=\"rmp-widgets-container rmp-wp-plugin rmp-main-container js-rmp-widgets-container js-rmp-widgets-container--14987 \"  data-post-id=\"14987\">    <!-- Rating widget -->  <div class=\"rmp-rating-widget js-rmp-rating-widget\">            <div class=\"rmp-rating-widget__icons\">      <ul class=\"rmp-rating-widget__icons-list js-rmp-rating-icons-list\">                  <li class=\"rmp-rating-widget__icons-list__icon js-rmp-rating-item\" data-descriptive-rating=\"Terrible!\" data-value=\"1\">              <i class=\"js-rmp-rating-icon rmp-icon rmp-icon--ratings rmp-icon--star rmp-icon--full-highlight\"><\/i>          <\/li>                  <li class=\"rmp-rating-widget__icons-list__icon js-rmp-rating-item\" data-descriptive-rating=\"Bad!\" data-value=\"2\">              <i class=\"js-rmp-rating-icon rmp-icon rmp-icon--ratings rmp-icon--star rmp-icon--full-highlight\"><\/i>          <\/li>                  <li class=\"rmp-rating-widget__icons-list__icon js-rmp-rating-item\" data-descriptive-rating=\"Okay!\" data-value=\"3\">              <i class=\"js-rmp-rating-icon rmp-icon rmp-icon--ratings rmp-icon--star rmp-icon--full-highlight\"><\/i>          <\/li>                  <li class=\"rmp-rating-widget__icons-list__icon js-rmp-rating-item\" data-descriptive-rating=\"Good!\" data-value=\"4\">              <i class=\"js-rmp-rating-icon rmp-icon rmp-icon--ratings rmp-icon--star rmp-icon--full-highlight\"><\/i>          <\/li>                  <li class=\"rmp-rating-widget__icons-list__icon js-rmp-rating-item\" data-descriptive-rating=\"Great!\" data-value=\"5\">              <i class=\"js-rmp-rating-icon rmp-icon rmp-icon--ratings rmp-icon--star \"><\/i>          <\/li>              <\/ul>    <\/div>    <p class=\"rmp-rating-widget__hover-text js-rmp-hover-text\"><\/p>    <button class=\"rmp-rating-widget__submit-btn rmp-btn js-submit-rating-btn\">      Submit Rating    <\/button>    <p class=\"rmp-rating-widget__results js-rmp-results \">       <span class=\"rmp-rating-widget__results__rating js-rmp-avg-rating\">4<\/span> \/ 5.  <span class=\"rmp-rating-widget__results__votes js-rmp-vote-count\">4<\/span>    <\/p>    <p class=\"rmp-rating-widget__not-rated js-rmp-not-rated rmp-rating-widget__not-rated--hidden\">          <\/p>    <p class=\"rmp-rating-widget__msg js-rmp-msg\"><\/p>  <\/div>  <!--Structured data -->        <\/div>\n<div id=\"emoji-overlay\" style=\"display: none;\">\n<div id=\"overlay-emoji\"><\/div>\n<div id=\"overlay-description\" class=\"emoji-text\"><\/div>\n<\/div>\n<div id=\"rating-popup\">\n<p><span id=\"popup-close\">\u00d7<\/span><\/p>\n<div class=\"popup_message\">\n<div id=\"popup-emoji\"><\/div>\n<div class=\"popup_innermsg\">\n<h5>Thank You for Rating Our Article!<\/h5>\n<p>Your feedback is incredibly valuable to us, and we&#8217;re thrilled to hear your thoughts.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h6>Share this article<\/h6>\n<div class=\"cscra-social square cscra-socials-679c8a1122c00\">\n        <a href=\"\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fwww.torusdigital.com%2Ftoruscope%2Fquarterly-results%2Fkotak-mahindra-bank-q2-fy26-results-net-profit-slips-2-7-while-nii-rises-4-yoy%2F&t=Kotak+Mahindra+Bank+Q2+FY26+Results%3A+Net+Profit+Slips+2.7%25+While+NII+Rises+4%25+YoY\" class=\"facebook\" data-toggle=\"tooltip\" data-placement=\"top\" title=\"Share On Facebook\" target=\"_blank\"><i class=\"fa fa-facebook\"><\/i><\/a>\n        <a href=\"\/\/twitter.com\/intent\/tweet?text=Kotak+Mahindra+Bank+Q2+FY26+Results%3A+Net+Profit+Slips+2.7%25+While+NII+Rises+4%25+YoY&url=https%3A%2F%2Fwww.torusdigital.com%2Ftoruscope%2Fquarterly-results%2Fkotak-mahindra-bank-q2-fy26-results-net-profit-slips-2-7-while-nii-rises-4-yoy%2F\" class=\"twitter\" data-toggle=\"tooltip\" data-placement=\"top\" title=\"Share On Twitter\" target=\"_blank\"><i class=\"fa-brands fa-x-twitter\"><\/i><\/a>\n        <a href=\"https:\/\/api.whatsapp.com\/send?text=Kotak+Mahindra+Bank+Q2+FY26+Results%3A+Net+Profit+Slips+2.7%25+While+NII+Rises+4%25+YoY - 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The standalone net profit stood at \u20b93,253 crore, down","protected":false},"author":1,"featured_media":13457,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[281],"tags":[],"class_list":["post-14987","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-quarterly-results"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kotak Mahindra Bank Q2 FY26 Results: Profit Dips Slightly as Asset Quality Strengthens<\/title>\n<meta name=\"description\" content=\"Kotak Mahindra Bank reported a 2.7% year-on-year decline in standalone net profit to \u20b93,253 crore for Q2 FY26, supported by steady growth in loans and deposits and improved asset quality. 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