{"id":81504,"date":"2026-05-04T18:44:13","date_gmt":"2026-05-04T13:14:13","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=81504"},"modified":"2026-05-04T18:50:39","modified_gmt":"2026-05-04T13:20:39","slug":"kotak-mahindra-bank-q4-results-fy26","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/kotak-mahindra-bank-q4-results-fy26\/","title":{"rendered":"Kotak Mahindra Bank Q4 Results FY26 PAT Rs 4027 Crore NII Up 8 Percent"},"content":{"rendered":"<div class=\"meta-block\">\u00a0<\/div>\n<p><a href=\"https:\/\/univest.in\/user\/stocks\/kotakbank\/kotak-mahindra-bank-ltd-share-price-today\">Kotak Mahindra Bank<\/a> Q4 results for FY26 delivered steady earnings growth with net profit rising 13% year on year to Rs 4,027 crore. The Kotak Mahindra Bank Q4 results were powered by disciplined expansion in net interest income, strong retail loan growth, and continued improvement in asset quality across both retail and corporate banking segments.<\/p>\n<p>Investors tracking the Kotak Mahindra Bank Q4 results FY26 will note that net interest income grew 8% to Rs 7,876 crore while the gross NPA ratio improved to 1.20%, one of the best asset quality readings in the private banking sector. The Kotak Mahindra Bank Q4 results board also declared a dividend of Rs 0.65 per share for FY26.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\"><strong>Get Free Stock Recommendations on Univest<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/kotak-mahindra-bank-q4-results-fy26\/#Kotak_Mahindra_Bank_Q4_FY26_Results_at_a_Glance\" title=\"Kotak Mahindra Bank Q4 FY26 Results at a Glance\">Kotak Mahindra Bank Q4 FY26 Results at a Glance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/kotak-mahindra-bank-q4-results-fy26\/#Key_Highlights_from_Kotak_Mahindra_Bank_Q4_FY26_Results\" title=\"Key Highlights from Kotak Mahindra Bank Q4 FY26 Results\">Key Highlights from Kotak Mahindra Bank Q4 FY26 Results<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/kotak-mahindra-bank-q4-results-fy26\/#NII_Growth_and_NIM_Stability\" title=\"NII Growth and NIM Stability\">NII Growth and NIM Stability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/kotak-mahindra-bank-q4-results-fy26\/#Asset_Quality_Best_in_Private_Banking_Sector\" title=\"Asset Quality Best in Private Banking Sector\">Asset Quality Best in Private Banking Sector<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/kotak-mahindra-bank-q4-results-fy26\/#What_Drove_Kotak_Mahindra_Bank_Q4_FY26_Performance\" title=\"What Drove Kotak Mahindra Bank Q4 FY26 Performance\">What Drove Kotak Mahindra Bank Q4 FY26 Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/kotak-mahindra-bank-q4-results-fy26\/#Dividend_and_Capital_Allocation\" title=\"Dividend and Capital Allocation\">Dividend and Capital Allocation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/kotak-mahindra-bank-q4-results-fy26\/#Outlook_for_FY27\" title=\"Outlook for FY27\">Outlook for FY27<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/kotak-mahindra-bank-q4-results-fy26\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/kotak-mahindra-bank-q4-results-fy26\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/kotak-mahindra-bank-q4-results-fy26\/#What_was_Kotak_Mahindra_Bank_Q4_FY26_net_profit\" title=\"What was Kotak Mahindra Bank Q4 FY26 net profit?\">What was Kotak Mahindra Bank Q4 FY26 net profit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/kotak-mahindra-bank-q4-results-fy26\/#What_is_Kotak_Mahindra_Bank_NII_in_Q4_FY26\" title=\"What is Kotak Mahindra Bank NII in Q4 FY26?\">What is Kotak Mahindra Bank NII in Q4 FY26?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/kotak-mahindra-bank-q4-results-fy26\/#What_dividend_did_Kotak_Mahindra_Bank_announce_for_FY26\" title=\"What dividend did Kotak Mahindra Bank announce for FY26?\">What dividend did Kotak Mahindra Bank announce for FY26?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/kotak-mahindra-bank-q4-results-fy26\/#What_is_Kotak_Mahindra_Bank_GNPA_in_Q4_FY26\" title=\"What is Kotak Mahindra Bank GNPA in Q4 FY26?\">What is Kotak Mahindra Bank GNPA in Q4 FY26?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/kotak-mahindra-bank-q4-results-fy26\/#Recent_Article\" title=\"Recent Article\">Recent Article<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Kotak_Mahindra_Bank_Q4_FY26_Results_at_a_Glance\"><\/span><strong>Kotak Mahindra Bank Q4 FY26 Results at a Glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<th>Metric<\/th>\n<th>Q4 FY26<\/th>\n<th>Change \/ Context<\/th>\n<\/tr>\n<tr>\n<td>Net Profit PAT<\/td>\n<td>Rs 4,027 crore<\/td>\n<td>+13% YoY<\/td>\n<\/tr>\n<tr>\n<td>Net Interest Income NII<\/td>\n<td>Rs 7,876 crore<\/td>\n<td>+8% YoY<\/td>\n<\/tr>\n<tr>\n<td>Gross NPA Ratio<\/td>\n<td>1.20%<\/td>\n<td>Improved YoY<\/td>\n<\/tr>\n<tr>\n<td>Net NPA Ratio<\/td>\n<td>0.34%<\/td>\n<td>Stable<\/td>\n<\/tr>\n<tr>\n<td>Dividend<\/td>\n<td>Rs 0.65 per share<\/td>\n<td>FY26 payout<\/td>\n<\/tr>\n<tr>\n<td>Return on Assets<\/td>\n<td>Above 2.4%<\/td>\n<td>Industry-leading<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Track live Kotak Mahindra Bank financials, analyst ratings and peer comparisons on the <a href=\"https:\/\/univest.in\/screeners\"><strong>Univest Screener<\/strong><\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Highlights_from_Kotak_Mahindra_Bank_Q4_FY26_Results\"><\/span><strong>Key Highlights from Kotak Mahindra Bank Q4 FY26 Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"NII_Growth_and_NIM_Stability\"><\/span><strong>NII Growth and NIM Stability<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The net interest income in the Kotak Mahindra Bank Q4 results FY26 rose 8% to Rs 7,876 crore. Net interest margins remained stable despite the onset of the RBI rate cut cycle in 2026, reflecting the strength of the bank&#8217;s low-cost CASA franchise. The Kotak Mahindra Bank Q4 results demonstrate that cost of deposits was well managed compared to industry peers, supporting margin resilience.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Asset_Quality_Best_in_Private_Banking_Sector\"><\/span><strong>Asset Quality Best in Private Banking Sector<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Gross NPA fell to 1.20% and net NPA stood at 0.34% in the Kotak Mahindra Bank Q4 results FY26. These metrics confirm the bank&#8217;s conservative credit underwriting approach. Slippages remained below the sector average, and the provision coverage ratio in the Kotak Mahindra Bank Q4 results stayed well above regulatory requirements throughout the quarter.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Drove_Kotak_Mahindra_Bank_Q4_FY26_Performance\"><\/span><strong>What Drove Kotak Mahindra Bank Q4 FY26 Performance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Kotak Mahindra Bank Q4 results were propelled by retail loan book growth in home loans, personal loans, and small business lending. Fee income from digital banking services also contributed meaningfully to the Kotak Mahindra Bank Q4 results. The bank&#8217;s digital platform registered strong transaction volume growth, reducing cost-to-serve and boosting overall operating efficiency.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dividend_and_Capital_Allocation\"><\/span><strong>Dividend and Capital Allocation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kotak Mahindra Bank declared a dividend of Rs 0.65 per share for FY26 as part of the Kotak Mahindra Bank Q4 results. The modest payout ratio reflects the board&#8217;s preference for retaining capital to fund loan book growth and maintain robust capital adequacy ratios. The bank&#8217;s CET-1 ratio in the Kotak Mahindra Bank Q4 results remains comfortably above regulatory minimums.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Outlook_for_FY27\"><\/span><strong>Outlook for FY27<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Following the Kotak Mahindra Bank Q4 results FY26, analysts expect the bank to sustain 15 to 18% loan book growth in FY27, driven by retail and MSME segments. NIM is expected to stabilise as rate cut cycle effects are absorbed. The Kotak Mahindra Bank Q4 results set a high-quality base for FY27 compounding driven by digital moat and CASA strength.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Kotak Mahindra Bank Q4 results FY26 confirm consistent execution with PAT at Rs 4,027 crore up 13%, NII at Rs 7,876 crore up 8%, and GNPA at 1.20%. The Kotak Mahindra Bank Q4 results reflect a well-managed franchise with strong asset quality and a scalable digital platform. Investors monitoring the Kotak Mahindra Bank Q4 results should watch FY27 NIM trajectories and retail loan growth in upcoming quarters.<\/p>\n<p>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\"><strong>Univest iOS App<\/strong><\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\"><strong>Univest Android App<\/strong><\/a> for live Q4 results tracking and expert research.<\/p>\n<p><em>Disclaimer: This article is for informational purposes only and does not constitute investment advice. Consult a SEBI-registered financial advisor before making investment decisions.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_was_Kotak_Mahindra_Bank_Q4_FY26_net_profit\"><\/span><strong>What was Kotak Mahindra Bank Q4 FY26 net profit?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Kotak Mahindra Bank Q4 results FY26 reported net profit PAT of Rs 4,027 crore, up 13% year on year, driven by NII growth and stable asset quality across retail and corporate banking segments.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_Kotak_Mahindra_Bank_NII_in_Q4_FY26\"><\/span><strong>What is Kotak Mahindra Bank NII in Q4 FY26?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Net interest income in the Kotak Mahindra Bank Q4 results FY26 was Rs 7,876 crore, up 8% year on year, reflecting healthy loan growth and cost-efficient liability management.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_dividend_did_Kotak_Mahindra_Bank_announce_for_FY26\"><\/span><strong>What dividend did Kotak Mahindra Bank announce for FY26?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Kotak Mahindra Bank Q4 results FY26 included a dividend declaration of Rs 0.65 per share for FY26, reflecting consistent shareholder return policy while retaining capital for growth.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_Kotak_Mahindra_Bank_GNPA_in_Q4_FY26\"><\/span><strong>What is Kotak Mahindra Bank GNPA in Q4 FY26?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Gross NPA in the Kotak Mahindra Bank Q4 results FY26 improved to 1.20%, among the best in Indian private banking, reflecting conservative underwriting standards maintained through the quarter.<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Recent_Article\"><\/span><strong>Recent Article<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/univest.in\/blogs\/vrl-logistics-q4-results-2026-2\">VRL Logistics Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n<p><a href=\"https:\/\/univest.in\/blogs\/vraj-iron-and-steel-q4-results-2026\">Vraj Iron and Steel Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n<p><a href=\"https:\/\/univest.in\/blogs\/voltas-q4-results-2026\">Voltas Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n<p><a href=\"https:\/\/univest.in\/blogs\/voltamp-transformers-q4-results-2026\">Voltamp Transformers Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p>\n<p><a href=\"https:\/\/univest.in\/blogs\/vodafone-idea-q4-results-2026\">Vodafone Idea Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook<\/a><\/p><p><\/p>","protected":false},"excerpt":{"rendered":"<p>Kotak Mahindra Bank Q4 results FY26 show PAT at Rs 4,027 crore up 13% YoY. NII rose 8% to Rs 7,876 crore. GNPA improved to 1.20%. Dividend Rs 0.65 per share declared.<\/p>\n","protected":false},"author":33,"featured_media":81674,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[4134],"class_list":["post-81504","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market","tag-q4-results-fy26"],"metadata":{"rank_math_internal_links_processed":["1"],"_edit_lock":["1777902698:23"],"_last_editor_used_jetpack":["block-editor"],"rank_math_primary_category":["24"],"rank_math_seo_score":["76"],"rank_math_title":["Kotak Mahindra Bank Q4 Results FY26 PAT Rs 4027 Crore NII Up 8 Percent"],"rank_math_description":["Kotak Mahindra Bank Q4 results FY26: PAT Rs 4,027 crore up 13%, NII Rs 7,876 crore up 8%, GNPA 1.20%, dividend Rs 0.65. 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