Kotak Mahindra Bank Q4 Results FY26 PAT Rs 4027 Crore NII Up 8 Percent

Kotak Mahindra Bank 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.

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.

Get Free Stock Recommendations on Univest

Kotak Mahindra Bank Q4 FY26 Results at a Glance

Metric	Q4 FY26	Change / Context
Net Profit PAT	Rs 4,027 crore	+13% YoY
Net Interest Income NII	Rs 7,876 crore	+8% YoY
Gross NPA Ratio	1.20%	Improved YoY
Net NPA Ratio	0.34%	Stable
Dividend	Rs 0.65 per share	FY26 payout
Return on Assets	Above 2.4%	Industry-leading

Track live Kotak Mahindra Bank financials, analyst ratings and peer comparisons on the Univest Screener.

Key Highlights from Kotak Mahindra Bank Q4 FY26 Results

NII Growth and NIM Stability

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’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.

Asset Quality Best in Private Banking Sector

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’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.

What Drove Kotak Mahindra Bank Q4 FY26 Performance

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’s digital platform registered strong transaction volume growth, reducing cost-to-serve and boosting overall operating efficiency.

Dividend and Capital Allocation

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’s preference for retaining capital to fund loan book growth and maintain robust capital adequacy ratios. The bank’s CET-1 ratio in the Kotak Mahindra Bank Q4 results remains comfortably above regulatory minimums.

Outlook for FY27

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.

Conclusion

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.

Download the Univest iOS App or Univest Android App for live Q4 results tracking and expert research.

Disclaimer: This article is for informational purposes only and does not constitute investment advice. Consult a SEBI-registered financial advisor before making investment decisions.

Frequently Asked Questions

What was Kotak Mahindra Bank Q4 FY26 net profit?

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.

What is Kotak Mahindra Bank NII in Q4 FY26?

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.

What dividend did Kotak Mahindra Bank announce for FY26?

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.

What is Kotak Mahindra Bank GNPA in Q4 FY26?

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.

Recent Article

VRL Logistics Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook

Vraj Iron and Steel Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook

Voltas Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook

Voltamp Transformers Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook

Vodafone Idea Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook