Kotak Mahindra Bank Ltd. Q3 FY2026 results: revenue ₹17,507 crore, up 5.3% on the year
Kotak Mahindra Bank Ltd. (KOTAKBANK) reported consolidated interest earned of ₹17,507 crore for Q3 FY2026, the quarter ended 31 December 2025, up 5.3% on the same quarter a year earlier. Profit after tax was ₹4,904 crore, up 4.3% on the year, and earnings per share ₹4.95. The figures are the company's own, from the un-audited results it filed with NSE on 24 January 2026.
The quarter, against the one before and a year earlier
| Line | Q3 FY2026 | Q2 FY2026 | Q3 FY2025 | Change on the year |
|---|---|---|---|---|
| Interest earned | 17,507 | 17,199 | 16,633 | +5.3% |
| Interest expended | 7,384 | 7,333 | 7,171 | +3.0% |
| Other income | 10,344 | 7,703 | 7,313 | +41.5% |
| Total income | 27,851 | 24,901 | 23,946 | +16.3% |
| Provisions other than tax | 940 | 1,054 | 1,054 | -10.9% |
| Profit before tax | 6,533 | 5,963 | 6,180 | +5.7% |
| Profit after tax | 4,904 | 4,446 | 4,701 | +4.3% |
| Gross NPA % | 1.3% | 0.0% | 0.4% | |
| Net NPA % | 0.4% | 0.0% | 1.5% | |
| EPS, basic | ₹4.95 | ₹22.47 | ₹23.64 | -79.1% |
₹ crore except per share.
Segments, Q3 FY2026
| Segment | Revenue ₹ crore | Share of segment revenue | Result ₹ crore | Result over revenue |
|---|---|---|---|---|
| Treasury, BMU and Corporate Centre | 3,356 | 11.3% | 1,476 | 44.0% |
| Retail Banking | 8,890 | 29.9% | 1,437 | 16.2% |
| Corporate / Wholesale Banking | 6,207 | 20.9% | 1,974 | 31.8% |
| Vehicle Financing | 1,118 | 3.8% | 204 | 18.3% |
| Other Lending Activities | 574 | 1.9% | 132 | 23.1% |
| Broking | 1,204 | 4.0% | 391 | 32.5% |
| Advisory and Transactional Services | 288 | 1.0% | 58 | 20.2% |
| Asset Management | 936 | 3.1% | 585 | 62.5% |
| Insurance | 7,170 | 24.1% | 275 | 3.8% |
Segment revenue and segment result as the company filed them, before inter-segment eliminations; share and result over revenue are arithmetic on those.
Quarterly results, the last 12 quarters
| Q2 FY2024 | Q3 FY2024 | Q4 FY2024 | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 | Q1 FY2026 | Q2 FY2026 | Q3 FY2026 | Q4 FY2026 | Q1 FY2027 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 13,717 | 14,495 | 15,156 | 15,837 | 16,427 | 16,633 | 16,772 | 17,248 | 17,199 | 17,507 | 17,827 | 18,355 |
| Interest expended | 5,536 | 5,985 | 6,212 | 6,805 | 7,139 | 7,171 | 7,160 | 7,529 | 7,333 | 7,384 | 7,376 | 7,703 |
| Other income | 7,843 | 9,588 | 12,751 | 9,239 | 10,453 | 7,313 | 10,402 | 9,456 | 7,703 | 10,344 | 10,280 | 11,714 |
| Operating expenses | 9,681 | 11,822 | 14,478 | 11,489 | 12,204 | 9,541 | 12,523 | 11,800 | 10,552 | 12,993 | 13,071 | 14,092 |
| Operating profit before provisions | n/a | n/a | n/a | n/a | n/a | n/a | 7,491 | 7,375 | 7,017 | 7,473 | 7,661 | 8,274 |
| Provisions | 455 | 662 | 442 | 774 | 890 | 1,054 | 1,140 | 1,321 | 1,054 | 940 | 585 | 765 |
| Profit before tax | 5,888 | 5,614 | 6,775 | 9,811 | 6,647 | 6,180 | 6,351 | 6,053 | 5,963 | 6,533 | 7,443 | 7,509 |
| Tax | 1,465 | 1,411 | 1,533 | 2,412 | 1,649 | 1,540 | 1,442 | 1,624 | 1,517 | 1,629 | 2,042 | 2,022 |
| Net profit | 4,461 | 4,265 | 5,337 | 7,448 | 5,044 | 4,701 | 4,909 | 4,429 | 4,446 | 4,904 | 5,402 | 5,487 |
| EPS in ₹ | ₹22.45 | ₹21.46 | ₹26.66 | ₹37.47 | ₹25.37 | ₹23.64 | ₹24.81 | ₹22.49 | ₹22.47 | ₹4.95 | ₹5.45 | ₹5.51 |
| Gross NPA % | 0.39 | 0.36 | 0.36 | 0.38 | 0.45 | 0.44 | 1.45 | 1.50 | n/a | 1.33 | 1.23 | 1.21 |
| Net NPA % | 1.69 | 1.68 | 1.38 | 1.39 | 1.48 | 1.51 | 0.36 | 0.39 | n/a | 0.36 | 0.31 | 0.31 |
| Filing | NSE | NSE | NSE | NSE | NSE | NSE | Filing | Filing | Filing | Filing | Filing | Filing |
₹ crore except per share, consolidated, as filed with the exchange. Quarters before December 2024 are from the exchange's earlier results feed, which carries the filed lines without the filing itself; the column links to the exchange's page for the company. EPS is as filed for each quarter. A split or a bonus issue changes the share count, so quarters before it are on the old count.
Source
Un-audited consolidated results for the quarter ended 31 December 2025, filed with NSE on 24 January 2026: the result statement. All of Kotak Mahindra Bank Ltd.'s results: NSE company page.
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