Mumbai, Feb 12: Kotak Mahindra Bank shares traded lower in intraday session, declining 0.56% to ₹427.15, as investors remained cautious amid elevated provisioning and expense pressures despite steady earnings growth.
For FY25, the bank reported total income of ₹6.78 lakh crore, supported by strong growth in interest income and stable core lending performance. Net profit after tax rose to ₹1.64 lakh crore, reflecting continued balance sheet expansion and operational strength.
However, provisions and contingencies remained high, signalling continued prudence toward asset quality and credit risk management. Operating expenses also increased, indicating ongoing investments in expansion, technology, and compliance, which may weigh on near-term margins.
Market participants are closely monitoring asset quality trends, credit growth momentum, and margin trajectory, as these remain key drivers for banking sector valuations. While long-term fundamentals remain stable, short-term stock movement is expected to stay sensitive to provisioning cycle, interest rate outlook, and loan growth visibility.
At current levels, traders are watching volume strength and support zones, while investors track future earnings consistency and asset quality signals for directional clarity.
