CreditBrief

What Kotak Mahindra Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹5.83 lakh crore (+13% since March).

Kotak Mahindra BankPrivate banks

₹5.14lakh croreadvances, before IBPC and BRDS on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers11thof 33 banks on CreditBrief, March 2026
Biggest segment27%Home Loans & LAP, latest split (30 Sep 2026)
Share of the combined book2.4%of all banks on CreditBrief

Chapter 01 · The loan book

₹5.14 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in Kotak Mahindra Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from home loans & lap down, and you get ₹5.14 lakh crore. By 30 Sep 2026 it was ₹5.83 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

48%People and households₹2.79 lakh croreHome Loans & LAPPL, BL and Consumer DurablesCredit CardsRetail MicrocreditOthers (Retail Banking)
48%Businesses₹2.78 lakh croreCorporate BankingSME

4% sits in lines the filing does not tie to either: Advances against FCNR(B), Others (Institutional Banking).

Drilling down: what it lends against · 30 Sep 2026

  • Home Loans & LAP₹1.57 lakh crore27%
  • Corporate Banking₹1.40 lakh crore24%
  • SME₹1.39 lakh crore23.8%
  • CV / CE₹47,038 crore8.1%
  • PL, BL and Consumer Durables₹26,548 crore4.6%
  • Tractor Finance₹20,417 crore3.5%
  • Advances against FCNR(B)₹16,110 crore2.8%
  • Credit Cards₹13,264 crore2.3%
  • Others (Institutional Banking)₹8,885 crore1.5%
  • Others (Retail Banking)₹8,111 crore1.4%
  • Retail Microcredit₹6,779 crore1.2%

Bank only, not the group. This is before ₹5,560 crore of loans shared with other banks through IBPC and BRDS; after them, advances are ₹5,77,295 crore. "Home Loans & LAP" also holds loans against property, and "PL, BL and Consumer Durables" holds personal, business and consumer durable loans. Corporate Banking includes ₹8,915 crore of loans moved in from Kotak Mahindra Investments this quarter. Loans against FCNR(B) deposits (₹16,110 crore) are new this quarter.

Sources: Kotak Mahindra Bank Investor Presentation Q4 FY26 (exchange filing), PDF page 13 ↗ for March 2026; Kotak Mahindra Bank Investor Presentation Q2 FY27 (exchange filing, 24 Oct 2026), PDF page 14 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 17% a year since March 2022.

From ₹2.74 lakh crore on 31 March 2022 to ₹5.14 lakh crore on 31 March 2026, and ₹5.83 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights30 figures from 10 filings · each checked against its pageHow it works
Kotak Mahindra Bank · loan book · 31 March 2026₹5.14lakh crore+16% in FY2025-26₹5.83 lakh crore by 30 Sep 2026
  1. 0117%a year since 2022Grew 17% a year from March 2022 to March 2026, faster than 19 of the 29 other banks with like-for-like figures for those years.
  2. 0216%in FY2025-26Growth picked up to 16% in FY2025-26, from 13% the year before.
  3. 0311thamong peersHeld its place as the 11th biggest of these 33 banks from March 2022 to March 2026.
Deposits₹5.72 lakh crore+15% · in FY2025-26
Loans to deposits89.8%+0.8 pts · in FY2025-26
CASA ratio43.3%+0.3 pts · in FY2025-26
Corporate and wholesale loans₹1.13 lakh crore+22% · in FY2025-26
Branches2,276+6.0% · in FY2025-26
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · advances, before IBPC and BRDS2,74,0463,25,5433,91,7294,44,3165,14,2555,82,855
Corporate and wholesale loans₹ crore69,46672,40587,31092,7791,13,0651,39,786
Deposits₹ crore3,11,6843,63,0964,48,9544,99,0555,72,4566,51,491
CASA ratio%60.7052.8045.5043.0043.3038.20
BranchesNumber1,7001,7801,9482,1482,2762,327

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at Kotak Mahindra Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

Add role and company optional
Its last results, as an alert

CreditBrief Insightsto you

Kotak Mahindra Bank, Q2 FY2026-27: loan book ₹5.83 lakh crore, +13% since March

  • ₹5.83 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Home Loans & LAP, 27% of the book
  • Every figure links to page 14 of its filing

Chapter 03 · Among its peers

11th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 2.4% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore
  9. 11Kotak Mahindra Bank₹5.14 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

Similar lenders