Kotak Mahindra Bank reported a 3 per cent decline in its standalone profit in the second quarter that ended September 30, 2025.
The private sector lender said on Saturday its profit stood at ₹3,253 crore in the second quarter, as compared with a net profit of ₹3,344 crore in the same quarter a year ago.
However, the bank’s total income increased to ₹16,239 crore during the quarter under review, from ₹15,900 crore in the same period last year, it said in a regulatory filing.
The bank earned interest income of ₹13,649 crore during the quarter, compared to ₹13,216 crore in the same period a year ago.
Net Interest Income (NII) improved to ₹7,311 crore, from ₹7,020 crore in the second quarter of the previous year, registering a 4 per cent growth.
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However, Net Interest Margin (NIM) moderated to 4.54 per cent, from 4.91 per cent at the end of the second quarter of the last financial year.
The bank reduced gross Non-Performing Assets (NPAs) to 1.39 per cent of gross loans by the end of September 2025, from 1.49 per cent a year ago.
Similarly, net NPAs or bad loans too declined 0.32 per cent, from 0.43 per cent at the end of the second quarter of the previous fiscal.
On a consolidated basis, the bank reported an 11 per cent dip in net profit to ₹4,468 crore, as against ₹5,044 crore in Q2FY25.
At the consolidated level, Return on Assets (ROA) for Q2FY26 also slipped to 1.97 per cent, as compared to 2.53 per cent in the same period a year ago.
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