Kotak Mahindra Bank: Stock Performance, Savings Accounts, Loans, FD Rates and Credit Cards

Kotak Mahindra Bank: Stock Performance, Savings Accounts, Loans, FD Rates and Credit Cards

Kotak Mahindra Bank remains one of India’s prominent private-sector banking and financial services groups. From banking and fixed deposits to credit cards and a diversified financial-services business, the company serves a wide range of retail and corporate customers. Here is a quick overview of the Kotak Bank share price, FD interest rates, Q1 results, credit cards and business profile.

Kotak Bank Share Price

Kotak Bank is one of the most closely followed private-sector bank stocks in India. On 25 August 2026, the share price was around ₹402. Like other banking stocks, its price changes daily based on market conditions, quarterly results, interest rates and overall investor sentiment.

Kotak Bank FD Interest Rates

Kotak Bank offers fixed deposits for different tenures and customer categories. For deposits below ₹3 crore, the bank offers interest rates of up to 6.80% per annum for regular customers and 7.30% for senior citizens, depending on the deposit tenure. Since FD rates can change, customers should check the latest rates before investing.

Kotak Mahindra Bank Q1 Results

Kotak Bank delivered a positive performance in Q1 FY27. Its standalone net profit increased by 26% year-on-year to ₹4,123 crore, while net interest income rose 9% to ₹7,928 crore. The results showed healthy business growth, although investors will continue to watch margins and asset quality in the coming quarters.

Kotak Bank Credit Cards

Kotak Bank offers credit cards for different spending needs, including cashback, travel, fuel, entertainment and UPI payments. Some popular options include Kotak Cashback+, Kotak UPI RuPay, PVR INOX Kotak and White Reserve Credit Card. Depending on the card, customers can get benefits such as cashback, reward points, lounge access and other offers.

Also Read: Hindustan Copper OFS: Full Details, Share Price Impact and Investor Guide

Business Profile

Kotak Mahindra Bank received its banking licence in 2003 and became the first NBFC in India to convert into a bank. Today, it operates across consumer banking, corporate banking, commercial banking and treasury services.

Apart from regular banking, the Kotak group also has businesses in securities, asset management, life insurance and investment banking. With around 5.2 crore customers and 2,276 branches as of FY26, Kotak Mahindra Bank has built a strong presence in India’s financial services sector.

3-Year Financial Performance

Financial Year	Total Income	Net Profit	Total Assets	Borrowings / Debt
FY24	₹92,791 crore	₹18,213 crore	₹6,20,000+ crore	₹4,00,000+ crore
FY25	₹1,06,902 crore	₹22,126 crore	₹7,10,000+ crore	₹4,60,000+ crore
FY26	₹1,07,948 crore	₹19,288 crore	₹8,00,000+ crore	₹5,00,000+ crore

Note: Banks operate differently from non-financial companies, so traditional “debt” figures are generally represented through borrowings and deposits. The above figures provide a simplified financial overview.

Conclusion

Kotak Mahindra Bank combines traditional banking with a broad range of financial services. Its Q1 FY27 earnings growth, competitive FD options and diverse credit-card portfolio make it a closely followed name in the Indian financial sector. However, investors tracking the Kotak Bank share price should consider market volatility, interest rates, margins and future financial performance before making investment decisions.

FAQs

1. What is the Kotak Mahindra Bank share price?

Ans: The share price changes daily with market conditions. Recent data showed the stock around ₹402 on 25 August 2026.

2. What is the highest Kotak Bank FD interest rate?

Ans: For eligible retail deposits, Kotak Bank’s listed rates go up to 6.80% for regular customers and 7.30% for eligible senior citizens, depending on the tenure.

3. How did Kotak Bank perform in Q1 FY27?

Ans: Standalone net profit increased 26% year-on-year to ₹4,123 crore, while NII grew 9% to ₹7,928 crore.

4. What services does Kotak Mahindra Bank provide?

Ans: Kotak provides banking, loans, deposits, credit cards, wealth and investment-related services, along with other financial products through its broader group ecosystem.

Disclaimer: This article is for informational purposes only and should not be considered financial or investment advice. Please verify the latest information before making any financial or investment decision.