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Kotak Mahindra Bank Posts Robust Q1 Metrics with 14% Loan Growth and ₹4.92 Trillion in Average Deposits

Updated: July 07, 2025 19:41

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Kotak Mahindra Bank Ltd has reported strong operational metrics for the quarter ended June 30, 2025, with net advances rising 14% year-on-year and average total deposits reaching ₹4.92 trillion, up 12.9% from the same period last year. The performance underscores the bank’s continued traction in both retail and corporate lending, supported by stable deposit mobilization.
 
Key Highlights and Financial Trends:
  • Net advances as of June 30, 2025, grew 14% YoY, reflecting healthy credit demand across retail, SME, and commercial banking segments.
  • The bank’s average total deposits for June stood at ₹4.92 trillion, up 12.9% YoY, indicating sustained customer confidence and CASA stability.
  • Sequentially, advances are estimated to have grown around 3.2%, while deposits rose approximately 2.8%, based on prior quarter disclosures.
  • The credit-deposit ratio remains healthy, suggesting prudent asset-liability management and balanced growth.
  • The bank continues to focus on granular retail deposits and high-quality lending, with a cautious stance on unsecured credit amid evolving macro conditions.
Strategic Outlook:
  • Kotak Mahindra Bank is expected to maintain its growth momentum through digital acquisition, cross-sell of wealth and insurance products, and expansion in semi-urban markets.
  • Analysts anticipate stable net interest margins and improved fee income in Q1 FY26 results, scheduled later this month.
  • The bank’s capital adequacy remains strong, providing headroom for further credit expansion and inorganic opportunities.
Sources: BSE Filings, Kotak Mahindra Bank Investor Updates, Economic Times Markets, Moneycontrol Banking Desk, Bloomberg India

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