Profit before provisions and contingencies rose 7% YoY to Rs 5,855.17 core in the quarter ended 31st March 2026. Provisions for Q4 FY26 decreased to Rs 516 crore, down 43% from Rs 909 crore in Q4 FY25

Net interest income (NII) increased to Rs 7,876 crore in Q4FY26, up 8% from Rs 7,284 crore in Q4 FY25. Net interest margin (NIM) contracted to 4.67% in Q4 FY26 as against 4.97% in Q4 FY25.

Total period-end deposits grew to Rs 5,72,456 crore for Q4 FY26, up 15% from Rs 4,99,055 crore for Q4 FY25. Net Advances increased 16% to Rs 4,96,009 crore as at 31st March 2026 from Rs 4,26,909 crore as at 31st March 2025.

CASA ratio stood at 43.3% as at 31st March 2026, compared with 43.0% as at March 31, 2025.

Asset quality continued to improve, with gross non-performing assets (GNPA) declining to 1.20% as on 31st March 2026, from 1.42% as on 31st March 2025 and net non-performing assets (NNPA) was 0.25% as on 31st March 2026 compared with 0.31% as of 31st March 2025. As at 31st March 2026, Provision Coverage Ratio stood at 79%.

The bank’s capital adequacy ratio under Basel III norms stood at 22.40% as of 31st March 2026, while the CET1 ratio was 21.3%.

On full year basis, the company’s standalone net profit climbed 14.85% to Rs 14,007.70 crore on 4.43% rise in total income to Rs 67,187.26 crore in FY26 over FY25.

Meanwhile, the bank’s board recommended a dividend of Rs 0.65 per equity share of the face value of Re 1 each, out of the net profits for the financial year ended March 31, 2026.

Kotak Mahindra Bank is the flagship company of the Kotak Group and has diversified operations covering commercial vehicle financing, consumer loans, corporate finance, and asset reconstruction. Through its subsidiaries, the bank is engaged in investment banking, equity broking, securities-based lending, and car finance.

The scrip rose 0.28% to settle at Rs 382.65 on the BSE.