What was Kotak Mahindra Bank's revenue in Q4 FY26?

Kotak Mahindra Bank reported revenue of — in Q4 FY26, a — change year-over-year.

Did Kotak Mahindra Bank management deliver on previous promises?

Scorecard data is being built as historical quarters are processed.

KOTAKBANK Financial Services 18 Apr 2026

Kotak Mahindra Bank Ltd — Q4 FY26

Q: What guidance did Kotak Mahindra Bank management give?

NIM to decline gradually in FY27: Full-year NIM expected to be rangebound with gradual reduction, slower than FY26's 36 bps drop, due to longer-tenor TD repricing.

Kotak Mahindra Bank reported a strong Q4 FY26 with consolidated PAT of ₹5,238 crore (+6% QoQ), driven by a sharp improvement in credit cost to 39 bps (from 63 bps in Q3) and stable NIM at 4.67% (4.54% adjusted for days).

Revenue —

EBITDA —

PAT ₹5,423 Cr +6%

EBITDA Margin —

Duration 73 min

Read Time 1 min read

✓ Verified against BSE filing

2-Minute Summary

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Kotak Mahindra Bank reported a strong Q4 FY26 with consolidated PAT of ₹5,238 crore (+6% QoQ), driven by a sharp improvement in credit cost to 39 bps (from 63 bps in Q3) and stable NIM at 4.67% (4.54% adjusted for days). Advances grew 16% YoY led by secured retail (mortgages +18%, tractor finance) and corporate banking (+22% YoY). Unsecured retail growth resumed sequentially (+₹1,200 crore) but mix remained at 8.9%. The bank maintained a healthy CASA ratio of 43.3% and capital adequacy of 22.4%. Management guided for gradual NIM compression in FY27, offset by improving fee income and cost efficiencies (cost-to-assets down 27 bps YoY). Key risks include geopolitical disruptions (West Asia crisis) and a below-normal monsoon impacting rural portfolios.

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Geopolitical disruption from West Asia crisis

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Quarter Snapshot

Gross NPA 1.2%

-10bps QoQ

Improved from 1.3% in Q3, driven by lower slippages and better collections.

CASA Ratio 43.3%

+23bps YoY

Supported by 23% YoY growth in current account and 18% in fixed-rate savings account.

Credit Cost 39 bps

-24bps QoQ

Progressive reduction from 93 bps in Q1; unsecured stress behind us.

811 Savings Account Contribution 12.2%

+32% YoY

Digital-first model adding 250-300k accounts monthly, low-cost granular deposits.

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Guidance and risk preview

Top guidance NIM to decline gradually in FY27

Full-year NIM expected to be rangebound with gradual reduction, slower than FY26's 36 bps drop, due to longer-tenor TD repricing.

Top risk Geopolitical disruption from West Asia crisis

Supply chain disruptions and oil price spikes could impact inflation and credit quality, especially at the lower end.

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