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Kotak Mahindra Bank in Focus: Motilal Oswal Stays Bullish on Balanced Growth — Check Target Price

Motilal Oswal believes Kotak Bank's focus on affluent banking, SME lending, and digital acquisition, along with operating leverage benefits, will help drive earnings growth and improve return ratios over the medium term.

Kotak Mahindra Bank in Focus: Motilal Oswal Stays Bullish on Balanced Growth — Check Target Price
Motilal Oswal remains constructive on Kotak Mahindra Bank, citing its balanced growth strategy, improving asset quality, and strong capital base as key long-term positives.
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Kotak Mahindra Bank Ltd.
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NDTV Profit's special research section collates quality and in-depth equity and economy research reports from across India's top brokerages, asset managers and research agencies. These reports offer NDTV Profit's subscribers an opportunity to expand their understanding of companies, sectors and the economy.

Motilal Oswal Report

Kotak Mahindra Bank Ltd. remains well-positioned to deliver steady and sustainable growth, with Motilal Oswal Financial Services reiterating a‘Buy' rating on the stock and maintaining a target price of Rs 470.

The brokerage highlighted that the bank has delivered healthy growth across advances and deposits while maintaining strong asset-quality metrics and one of the highest capital buffers in the sector.

The bank's strategic focus on affluent banking, SME lending, and digital customer acquisition provides a long runway for sustainable growth, though execution on liability mobilization and cross-sell remains critical.

Improving credit costs, stable asset quality, and continued operating leverage should support earnings growth over the medium term.

Management continues to target a business model capable of generating high-teen RoE over time, aided by contributions from subsidiaries, while maintaining prudent risk standards and strong capital buffers.

Motilal Oswal estimates Kotak Mahindra Bank to deliver RoA/RoE of 1.96%/12.1% in FY27.

Reiterates Buy with a target price of Rs 470 (2.1x Sep'27E adjusted book value + Rs 165 for subs).

Click on the attachment to read the full report:

Motilal Oswal Kotak Update.pdf
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