KOTAKBANK

What Kotak Mahindra Bank promised, and what happened

Every commitment management made on a call, tracked from the quarter it was made — reaffirmed, revised, diluted or quietly dropped.

Guidance record · Q1 FY27

what the last two calls moved 22 tracked 9 delivered 5 missed 8 open
  • Net NPA delivered said Q1 FY25 Promised: 0.35% Q1 FY27: Net NPA stood at 0.27%, a slight increase from 0.25% QoQ, but remains well below the 0.35% target ceiling.
  • Unsecured Retail Book Growth missed said Q1 FY25 Promised: Mid-teens Q1 FY27: The original 'mid-teens' target was not reiterated. Management guided for continued growth in absolute rupee terms, but sequential growth slowed to INR 707 cr from INR 1,200 cr in Q4.
  • Cost-to-Asset Ratio missed said Q3 FY26 Promised: maintain in the range of 2.5-2.6% Q1 FY27: The cost-to-asset ratio improved to 2.66% in Q1 FY27, moving closer to the target range but still not within it. The promise remains missed but is showing positive direction.

The rest of the ledger

Above is what the last two calls moved. Pro opens all 22 tracked commitments for Kotak Mahindra Bank — every quarter's revision, the source quote behind each one, and the topics management has stopped answering.

See what Pro opens