The online curiosity earnings (NII) for Q2FY26 elevated to Rs 7,311 crore, up 4% YoY from Rs 7,020 crore in Q2FY25.
The financial institution reported a Internet Curiosity Margin (NIM) of 4.54% for Q2FY26, with a price of funds of 4.70% throughout the identical interval. Its working revenue for Q2FY26 rose to Rs 5,268 crore, marking a 3% year-on-year enhance from Rs 5,099 crore in Q2FY25, it stated in an alternate submitting on October 25.
Internet Advances elevated 16% YoY to Rs 462,688 crore throughout the quarter underneath assessment from Rs 399,522 crore reported in the identical quarter of the earlier fiscal yr.
As of September 30, 2025, the financial institution’s Gross Non-Performing Belongings (GNPA) stood at 1.39% and Internet Non-Performing Belongings (NNPA) at 0.32%, enhancing from 1.49% and 0.43%, respectively, from Q2FY25. The Provision Protection Ratio was 77% as of the identical date. Beneath Basel III norms, the financial institution reported a Capital Adequacy Ratio of twenty-two.1% and a CET1 ratio of 20.9%, together with unaudited earnings.
The financial institution’s common complete deposits rose to Rs 510,538 crore in Q2FY26, up 14% year-on-year from Rs 446,110 crore in Q2FY25. Common present deposits elevated to Rs 70,220 crore, a 14% YoY progress from Rs 61,853 crore, whereas common fixed-rate financial savings deposits grew 8% YoY to Rs 113,894 crore from Rs 105,584 crore. Common time period deposits noticed the best progress, rising 20% YoY to Rs 311,889 crore from Rs 259,434 crore. The CASA ratio stood at 42.3% as of September 30, 2025, Whereas Kotak’s credit-to-deposit ratio was 87.5% as of the identical date.As of September 30, 2025, the financial institution served 5.2 crore prospects. Charges and providers earnings for Q2FY26 rose 4% year-on-year to Rs 2,415 crore from Rs 2,312 crore in Q2FY25. Working bills elevated barely to Rs 4,632 crore, up 1% YoY from Rs 4,605 crore. The annualized credit score price for Q2FY26 stood at 0.79%, enhancing from 0.93% in Q1FY26. The financial institution reported a standalone annualized Return on Belongings (ROA) of 1.88% and a Return on Fairness (ROE) of 10.38% for the quarter.
Shares of the lender ended the Friday session at Rs 2,192 per share, down 1.5% from the final shut on the NSE. Kotak Financial institution shares are up 23% on a year-to-date foundation.
