# Kotak Mahindra Bank > Private banks. Figures from the lender's own filings, each checked against the page it came from. Page: https://creditbrief.in/lenders/kotak ## Loan book - ₹5.14 lakh crore on 31 March 2026, the end of FY2025-26 (Advances, before IBPC and BRDS). - ₹5.83 lakh crore on 30 Sep 2026, the latest half-year balance. - Source: Kotak Mahindra Bank Investor Presentation Q4 FY26 (exchange filing), PDF page 13: https://nsearchives.nseindia.com/corporate/Kotakmahindrabank_02052026152855_Investorpresentation02052026signed.pdf ## Findings - Grew 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. - Growth picked up to 16% in FY2025-26, from 13% the year before. - Held its place as the 11th biggest of these 33 banks from March 2022 to March 2026. ## What it lends against (30 Sep 2026) - Home Loans & LAP: ₹1.57 lakh crore (27%) - Corporate Banking: ₹1.40 lakh crore (24%) - SME: ₹1.39 lakh crore (23.8%) - CV / CE: ₹47,038 crore (8.1%) - PL, BL and Consumer Durables: ₹26,548 crore (4.6%) - Tractor Finance: ₹20,417 crore (3.5%) - Advances against FCNR(B): ₹16,110 crore (2.8%) - Credit Cards: ₹13,264 crore (2.3%) - Others (Institutional Banking): ₹8,885 crore (1.5%) - Others (Retail Banking): ₹8,111 crore (1.4%) - Retail Microcredit: ₹6,779 crore (1.2%) Source: Kotak Mahindra Bank Investor Presentation Q2 FY27 (exchange filing, 24 Oct 2026), PDF page 14: https://nsearchives.nseindia.com/corporate/KMBLTAB_24102026133347_InvestorPresentationOct242026SIGNED.pdf ## Figures by period | Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 | |---|---|---|---|---|---|---| | Loan book (₹ crore) | 2,74,046 | 3,25,543 | 3,91,729 | 4,44,316 | 5,14,255 | 5,82,855 | | Corporate and wholesale loans (₹ crore) | 69,466 | 72,405 | 87,310 | 92,779 | 1,13,065 | 1,39,786 | | Deposits (₹ crore) | 3,11,684 | 3,63,096 | 4,48,954 | 4,99,055 | 5,72,456 | 6,51,491 | | CASA ratio (%) | 60.70 | 52.80 | 45.50 | 43.00 | 43.30 | 38.20 | | Branches (Number) | 1,700 | 1,780 | 1,948 | 2,148 | 2,276 | 2,327 | ### Sources for each figure - Loan book, FY2021-22 (31 Mar 2022): "Advances (A) 325,543 274,046 313,154" (Kotak Mahindra Bank Investor Presentation Q4 FY23 (exchange filing), PDF page 10) https://nsearchives.nseindia.com/corporate/KOTAKBANK_29042023154428_IP.pdf - Loan book, FY2022-23 (31 Mar 2023): "Advances (A) 391,729 325,543 372,464" (Kotak Mahindra Bank Investor Presentation Q4 FY24 (exchange filing), PDF page 11) https://nsearchives.nseindia.com/corporate/KOTAKBANK_04052024125331_investorpresentationsigned.pdf - Loan book, FY2023-24 (31 Mar 2024): "Advances (A) 391,729 325,543 372,464" (Kotak Mahindra Bank Investor Presentation Q4 FY24 (exchange filing), PDF page 11) https://nsearchives.nseindia.com/corporate/KOTAKBANK_04052024125331_investorpresentationsigned.pdf - Loan book, FY2024-25 (31 Mar 2025): "Advances (A) 514,255 444,316 499,013" (Kotak Mahindra Bank Investor Presentation Q4 FY26 (exchange filing), PDF page 13) https://nsearchives.nseindia.com/corporate/Kotakmahindrabank_02052026152855_Investorpresentation02052026signed.pdf - Loan book, FY2025-26 (31 Mar 2026): "Advances (A) 514,255 444,316 499,013" (Kotak Mahindra Bank Investor Presentation Q4 FY26 (exchange filing), PDF page 13) https://nsearchives.nseindia.com/corporate/Kotakmahindrabank_02052026152855_Investorpresentation02052026signed.pdf - Loan book, 30 Sep 2026: "Advances (A) 582,855 478,909 527,610" (Kotak Mahindra Bank Investor Presentation Q2 FY27 (exchange filing, 24 Oct 2026), PDF page 14) https://nsearchives.nseindia.com/corporate/KMBLTAB_24102026133347_InvestorPresentationOct242026SIGNED.pdf - Corporate and wholesale loans, FY2021-22 (31 Mar 2022): "Corporate Banking 70,384 69,466 72,407" (Kotak Mahindra Bank Investor Presentation Q4FY23, PDF page 9) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2023/q4/Investor-Presentation/Q4FY23-Investor-Presentation.pdf - Corporate and wholesale loans, FY2022-23 (31 Mar 2023): "Corporate Banking 87,310 72,405 84,246" (Kotak Mahindra Bank Investor Presentation Q4FY24, PDF page 10) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2024/q4/investor-presentation/Q4FY24%20Investor-Presentation.pdf - Corporate and wholesale loans, FY2023-24 (31 Mar 2024): "Corporate 92,779 87,310 96,649" (Kotak Mahindra Bank Investor Presentation Q4FY25, PDF page 13) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2025/q4/investor-presentation/Q4FY25_Investor_Presentation.pdf - Corporate and wholesale loans, FY2024-25 (31 Mar 2025): "Corporate Banking 113,065 92,779 112,787" (Kotak Mahindra Bank Investor Presentation Q4FY26, PDF page 12) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2026/q4/investor-presentation/Q4FY26-Investor-Presentation.pdf - Corporate and wholesale loans, FY2025-26 (31 Mar 2026): "Corporate Banking 113,065 92,779 112,787" (Kotak Mahindra Bank Investor Presentation Q4FY26, PDF page 12) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2026/q4/investor-presentation/Q4FY26-Investor-Presentation.pdf - Corporate and wholesale loans, 30 Sep 2026: "Corporate Banking 139,786* 112,134 121,875" (Kotak Mahindra Bank Investor Presentation Q2FY27, PDF page 13) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2027/q2/investor-presentation/Q2FY27-Investor-Presentation.pdf - Deposits, FY2021-22 (31 Mar 2022): "Deposits 363,096 311,684 344,666" (Kotak Mahindra Bank Investor Presentation Q4FY23, PDF page 8) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2023/q4/Investor-Presentation/Q4FY23-Investor-Presentation.pdf - Deposits, FY2022-23 (31 Mar 2023): "Deposits 448,954 363,096 408,636" (Kotak Mahindra Bank Investor Presentation Q4FY24, PDF page 9) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2024/q4/investor-presentation/Q4FY24%20Investor-Presentation.pdf - Deposits, FY2023-24 (31 Mar 2024): "Deposits 499,055 448,954 473,497" (Kotak Mahindra Bank Investor Presentation Q4FY25, PDF page 11) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2025/q4/investor-presentation/Q4FY25_Investor_Presentation.pdf - Deposits, FY2024-25 (31 Mar 2025): "Deposits 572,456 499,055 542,638" (Kotak Mahindra Bank Investor Presentation Q4FY26, PDF page 10) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2026/q4/investor-presentation/Q4FY26-Investor-Presentation.pdf - Deposits, FY2025-26 (31 Mar 2026): "Deposits 572,456 499,055 542,638" (Kotak Mahindra Bank Investor Presentation Q4FY26, PDF page 10) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2026/q4/investor-presentation/Q4FY26-Investor-Presentation.pdf - Deposits, 30 Sep 2026: "Deposits 651,491 528,776 572,820" (Kotak Mahindra Bank Investor Presentation Q2FY27, PDF page 11) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2027/q2/investor-presentation/Q2FY27-Investor-Presentation.pdf - CASA ratio, FY2021-22 (31 Mar 2022): "CASA % 52.8% 60.7% 53.3%" (Kotak Mahindra Bank Investor Presentation Q4FY23, PDF page 10) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2023/q4/Investor-Presentation/Q4FY23-Investor-Presentation.pdf - CASA ratio, FY2022-23 (31 Mar 2023): "CASA % 45.5% 52.8% 47.7%" (Kotak Mahindra Bank Investor Presentation Q4FY24, PDF page 11) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2024/q4/investor-presentation/Q4FY24%20Investor-Presentation.pdf - CASA ratio, FY2023-24 (31 Mar 2024): "CASA Ratio 43.0% 45.5% 42.3%" (Kotak Mahindra Bank Investor Presentation Q4FY25, PDF page 11) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2025/q4/investor-presentation/Q4FY25_Investor_Presentation.pdf - CASA ratio, FY2024-25 (31 Mar 2025): "CASA Ratio 43.3% 43.0% 41.3%" (Kotak Mahindra Bank Investor Presentation Q4FY26, PDF page 10) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2026/q4/investor-presentation/Q4FY26-Investor-Presentation.pdf - CASA ratio, FY2025-26 (31 Mar 2026): "CASA Ratio 43.3% 43.0% 41.3%" (Kotak Mahindra Bank Investor Presentation Q4FY26, PDF page 10) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2026/q4/investor-presentation/Q4FY26-Investor-Presentation.pdf - CASA ratio, 30 Sep 2026: "CASA Ratio 38.2% 42.3% 40.3%" (Kotak Mahindra Bank Investor Presentation Q2FY27, PDF page 11) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2027/q2/investor-presentation/Q2FY27-Investor-Presentation.pdf - Branches, FY2021-22 (31 Mar 2022): "Branches 1,700* [No./%]" (Kotak Mahindra Bank Investor Presentation Q4FY22, PDF page 27) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2022/q4/Investor-Presentation/Q4FY22-Investor-Presentation.pdf - Branches, FY2022-23 (31 Mar 2023): "1,780* [No./%] Classification" (Kotak Mahindra Bank Investor Presentation Q4FY23, PDF page 21) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2023/q4/Investor-Presentation/Q4FY23-Investor-Presentation.pdf - Branches, FY2023-24 (31 Mar 2024): "Bank Branch presence as on 31st Mar 2024 : 1,948" (Kotak Mahindra Bank Investor Presentation Q4FY25, PDF page 24) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2025/q4/investor-presentation/Q4FY25_Investor_Presentation.pdf - Branches, FY2024-25 (31 Mar 2025): "31st Mar, 2025: 2,148" (Kotak Mahindra Bank Investor Presentation Q4FY26, PDF page 25) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2026/q4/investor-presentation/Q4FY26-Investor-Presentation.pdf - Branches, FY2025-26 (31 Mar 2026): "Kotak Bank 2,276" (Kotak Mahindra Bank Investor Presentation Q4FY26, PDF page 25) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2026/q4/investor-presentation/Q4FY26-Investor-Presentation.pdf - Branches, 30 Sep 2026: "Kotak Bank 2,327" (Kotak Mahindra Bank Investor Presentation Q2FY27, PDF page 27) https://www.kotak.bank.in/content/dam/Kotak/investor-relation/Financial-Result/QuarterlyReport/FY-2027/q2/investor-presentation/Q2FY27-Investor-Presentation.pdf CreditBrief is independent and not linked to any lender. Not investment advice.