Kotak Mahindra Bank Rallies 3.72% as Q1 Deposits & Advances Post Double-Digit Growth
By Shishta Dutta | Published at: Jul 8, 2025 10:54 AM IST
Mumbai, July 8, 2025 – The shares of Kotak Mahindra Bank Ltd (NSE: KOTAKBANK) rose by 3.72% during the early trade on Tuesday after a strong business update for the first quarter of the current financial year (Q1 FY26). The bank reported double-digit growth in deposits and advances, representing strong credit growth, which is positive for market sentiment. The Cash Deposit ratio also improved to 86.70%, indicative of efficient capital deployment and better interest margins.
Stock Snapshot (as of 08-Jul-2025, 09:39 IST)
| Metric | Value |
|---|---|
| Current Price | ₹2,228.10 |
| Previous Close | ₹2,149.80 |
| Day’s High / Low | ₹2,241.50 / ₹2,176.20 |
| Open | ₹2,185.00 |
| VWAP | ₹2,225.39 |
| 52-Week Range | ₹1,679.05 – ₹2,301.90 |
| Total Market Cap | ₹4,42,798.93 Cr |
| Traded Volume | 21.27 lakh shares |
| % Deliverable | 73.28% |
Key Business Metrics (Q1 FY26)
Kotak Mahindra Bank reported a consistent rise in its core banking parameters:
| Particulars | Jun 30, 2025 | Mar 31, 2025 | Jun 30, 2024 | YoY Growth | QoQ Growth |
|---|---|---|---|---|---|
| CASA (Avg) | ₹1,91,995 Cr | ₹1,88,039 Cr | ₹1,84,306 Cr | 4.2% | 2.1% |
| Total Deposits (Avg) | ₹4,91,998 Cr | ₹4,68,486 Cr | ₹4,35,603 Cr | 12.9% | 5.0% |
| CASA (EOP) | ₹2,09,645 Cr | ₹2,14,416 Cr | ₹1,94,222 Cr | 7.9% | -2.2% |
| Total Deposits (EOP) | ₹5,12,838 Cr | ₹4,99,055 Cr | ₹4,47,418 Cr | 14.6% | 2.8% |
| Net Advances (EOP) | ₹4,44,731 Cr | ₹4,26,909 Cr | ₹3,89,957 Cr | 14.0% | 4.2% |
“The provisional data underscores Kotak’s continued momentum in expanding its retail and wholesale lending, backed by a healthy deposit base,” the bank stated in its exchange filing.
Market Sentiment & Strategic Indicators
At 10:10 AM on Tuesday, the stock traded at 2,229.80 (3.72% higher than the previous close). The stock is trading near its 52-week high of ₹2,301.90 (hit on April 22, 2025), reflecting strong investor confidence. The price is also comfortably above its lower band of ₹1,934.90, with no price band restrictions currently applicable.
With an adjusted P/E of 22.41 and consistent delivery volumes, the bank remains a high-quality play among private sector lenders in India. The impact cost of 0.01% and high % of deliverables further reinforce liquidity strength.
Company Overview
Kotak Mahindra Bank Limited, listed since December 1995, is one of India’s leading private sector banks. It offers a wide spectrum of financial services, including retail and corporate banking, asset management, life insurance, and investment banking. It is a constituent of the NIFTY 50 index.
REF: https://nsearchives.nseindia.com/corporate/Kotakmahindrabank_07072025185655_KMBLPrebusinessupdateJuly72025.pdf
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