Kotak Mahindra Bank will declare its earnings for the October to December period (Q3FY25) on Saturday, January 18. Analysts are anticipating a good quarter, with decent growth in both net interest income (NII) and profit after tax (PAT).

Business growth momentum is expected to remain healthy, growth in the unsecured portfolio likely to continue.

Margin movement to range between being steady to marginal contraction.

Advances are expected to grow at 14% year-on-year.

Key monitorable would-be deposit and loan growth outlook and timelines of lifting of the Reserve Bank of India (RBI) ban from digital onboarding of new customers.

Here are the key things to watch:

– Business momentum: Deposit growth and Loan growth.

– NIM movement will be seen closely; can come under pressure.

– Low cost deposit momentum.

– Slippages can remain elevated.

– Asset quality to see marginal hiccup.

– The Management commentary and outlook will be important on business momentum and credit cost.

– Update on progress of the RBI supervisory action will be key to watch out for.

Kotak Mahindra Bank’s net interest income (NII) for the quarter is expected to rise 9% year-on-year (YoY) to ₹7,147.7 crore, according to a CNBC-TV18 poll. The same was ₹6,553.5 crore reported in the year-ago quarter.

Additionally, the bank’s profit may grow 9.4% to ₹3,287.5 crore, compared to ₹3,005 crore in the same quarter a year ago.

Shares of Kotak Mahindra Bank are currently trading 2.56% lower on Friday at ₹1,759.30. The stock is down 2% so far in 2025.