Kotak Mahindra Bank reported strong financial performance in the second quarter of FY27. According to its results announced on October 24, 2026, the bank’s standalone net profit increased 29.5% year-on-year to ₹4,212 crore, compared with ₹3,253 crore in the same quarter last year.
The bank’s Net Interest Income (NII), which represents the difference between interest earned on loans and interest paid on deposits, rose 15.7% to ₹8,459 crore. The growth was supported by loan demand and an improvement in banking income.
The bank also reported an improvement in asset quality. Its Gross Non-Performing Assets (GNPA) ratio declined to 1.04% in the September quarter, compared with 1.39% a year earlier. This indicates a lower proportion of bad loans relative to its total advances.
However, the bank’s Net Interest Margin (NIM) declined to 4.31% from 4.53% in the previous quarter. According to the bank, an increase in foreign currency deposits was one of the factors putting pressure on margins.
On a consolidated basis, the bank’s net profit increased 26% to ₹5,645 crore. Overall, higher profits, loan growth and improved asset quality were positive developments, although declining margins remain an important factor to watch in the coming quarters.
Kotak Mahindra Bank ne FY27 ke second quarter mein strong financial performance report ki hai. 24 October 2026 ko announce kiye gaye results ke according, bank ka standalone net profit year-on-year 29.5% badhkar ₹4,212 crore ho gaya, jabki pichhle saal same quarter mein ye ₹3,253 crore tha.
Bank ki Net Interest Income (NII), yani loans se milne wale interest aur deposits par diye jaane wale interest ke beech ka difference, 15.7% badhkar ₹8,459 crore ho gaya. Is growth ko strong loan demand aur banking income mein improvement se support mila.
Bank ki asset quality mein bhi improvement dekhne ko mila. Gross Non-Performing Assets (GNPA) ratio September quarter mein ghatkar 1.04% raha, jo pichhle saal ke 1.39% se kam hai. Iska matlab hai ki total loans ke comparison mein bad loans ka proportion reduce hua hai.
However, bank ka Net Interest Margin (NIM) pichhle quarter ke 4.53% se ghatkar 4.31% ho gaya. Bank ke according, foreign currency deposits mein increase margin par pressure ka ek major reason raha.
Consolidated basis par bank ka net profit 26% badhkar ₹5,645 crore raha. Overall, higher profit, growing loan book aur improving asset quality bank ke liye positive developments rahe, although declining margins ek important factor hain jise future quarters mein monitor karna hoga.