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Kotak Mahindra Bank Q1 FY26 Business Update: Company Sees 14% Growth in Loan and Deposits

Written by: Aayushi ChaubeyUpdated on: 8 Jul 2025, 3:20 pm IST
Kotak Mahindra Bank records 14% year-on-year growth in loans and deposits for Q1 FY26, with a mixed trend in CASA performance.
Kotak Mahindra Bank Q1 FY26 Business Update: Company Sees 14% Growth in Loan and Deposits
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Kotak Mahindra Bank Q1 FY26 business update has been released. The company has reported a 14% year-on-year increase in both its total loans and customer deposits for the quarter ending June 30, 2025.

Details of the Bank’s Loan Portfolio

The bank’s total net advances stood at ₹4.45 lakh crore, reflecting a 14% increase compared to ₹3.90 lakh crore as of June 30, 2024. On a sequential basis, net advances rose by 4.2% from ₹4.27 lakh crore at the end of March 2025.

This growth includes lending across retail, commercial, and corporate segments.

Kotak Mahindra Bank Sees Y-o-Y Growth in Customer Deposits

Total customer deposits were reported at ₹5.13 lakh crore, marking a 14.6% rise from ₹4.47 lakh crore a year ago and a 2.8% increase from ₹4.99 lakh crore as of March 31, 2025.

The average total deposits for the quarter were ₹4.92 lakh crore, representing 12.9% year-on-year growth and a 5% increase from the previous quarter.

Kotak Mahindra Bank Q1 FY26 Business Update Suggests Mixed CASA Trends

The average CASA deposits stood at ₹1.92 lakh crore, an increase of 4.2% year-on-year and 2.1% quarter-on-quarter. However, the end-of-period CASA as of June 30, 2025, was ₹2.10 lakh crore, showing a 7.9% increase from the previous year but a 2.2% decline from March 2025.

The CASA ratio—which reflects the share of current and savings account deposits in total deposits—was at 40.4% as of June 30, 2025, down from 42.2% in March 2025 and 46.2% a year earlier.

Read more: Indian Bank Waives Minimum Balance Charges on Savings Account from July 2025, Following Canara Bank and PNB.

Conclusion

These figures are part of Kotak Mahindra Bank’s provisional financial disclosures and are subject to audit review. The updates reflect quarter-wise and year-on-year movements in the bank's key operational indicators across lending and deposit categories.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Published on: Jul 8, 2025, 9:48 AM IST

Aayushi Chaubey

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