KOTAK BANK Q2 :

NIMS AT 4.31 % V 4.53 % QOQ 🔴

🏦 KOTAK MAHINDRA BANK – Q2 FY27 SEGMENT-WISE PERFORMANCE

Corporate / Wholesale Banking

• Revenue: ₹8,173.33 Cr, up 22.00% YoY and 16.49% QoQ.

• Profit: ₹2,430.64 Cr, up 22.48% YoY and 16.16% QoQ.

Retail Banking

• Revenue: ₹9,314.00 Cr, up 11.63% YoY and 11.66% QoQ.

• Profit: ₹1,987.05 Cr, up 38.20% YoY and 38.96% QoQ.

Treasury, BMU & Corporate Centre

• Revenue: ₹3,400.51 Cr, up 20.05% YoY, down 6.72% QoQ.

• Profit: ₹1,160.95 Cr, up 29.14% YoY, down 40.18% QoQ.

SBFC FINANCE Q2 FY27 (STANDALONE)

Net Profit: ₹139 Cr ↑27% YoY | ↑7% QoQ

Revenue: ₹546 Cr ↑33% YoY | ↑11% QoQ

Operating Profit: ₹387 Cr ↑38% YoY | ↑17% QoQ

Operating Profit Margin: 70.8% vs 68.1% YoY | 67.4% QoQ

EPS: ₹1.25 ↑26% YoY | ↑7% QoQ

AU SMALL FINANCE BANK Q2 FY27 (STANDALONE)

Net Profit: ₹858 Cr ↑53% YoY | ↑8% QoQ

NII: ₹2,820 Cr ↑32% YoY | ↑5% QoQ

PPOP: ₹1,514 Cr ↑25% YoY | ↑5% QoQ

Provisions: ₹359 Cr ↓25% YoY | ↓3% QoQ

GNPA: 2.0% vs 2.4% YoY | 2.1% QoQ

Advances: ₹1,48,508 Cr ↑28% YoY

Deposits: ₹1,70,450 Cr ↑29% YoY

🏦 KOTAK MAHINDRA BANK – Q2 BUSINESS UPDATE

📈 LOAN & DEPOSIT GROWTH

Net Advances
₹5,77,295 Cr | +25% YoY

Adjusted Loan Growth: +19% YoY

Total Deposits
₹6,51,491 Cr | +23% YoY

Adjusted Deposit Growth: +13% YoY

💰 AVERAGE DEPOSITS

• Total Deposits: ₹6,06,234 Cr (+19% YoY)

• Current Deposits: ₹82,026 Cr (+17% YoY)

• Fixed-Rate Savings Deposits: ₹1,29,731 Cr (+14% YoY)

• Term Deposits: ₹3,79,765 Cr (+22% YoY)

📊 CASA RATIO

• Reported CASA: 38.2% vs 42.3% last year, down 410 bps.

• Adjusted CASA: 41.8% excluding FCNR(B) deposits.

CASTROL INDIA Q2 FY27 (STANDALONE)

Net Profit: ₹176 Cr ↓23% YoY | ↓49% QoQ

Revenue: ₹1,735 Cr ↑27% YoY | ↓7% QoQ

EBITDA: ₹262 Cr ↓19% YoY | ↓47% QoQ

EBITDA Margin: 15.1% vs 23.7% YoY | 26.4% QoQ

APOLLO MICRO SYSTEMS Q2 FY27

Net Profit: ₹46 Cr ↑54% YoY | ↑83% QoQ

Revenue: ₹388 Cr ↑72% YoY | ↑54% QoQ

Operating Profit: ₹111 Cr ↑88% YoY | ↑107% QoQ

Operating Profit Margin: 28.6% vs 26.3% YoY | 21.4% QoQ

EPS: ₹1.32 ↑38% YoY | ↑76% QoQ

LUMAX AUTO TECHNOLOGIES Q2 FY27 (CONS.)

Net Profit: ₹117 Cr ↑50% YoY | ↑18% QoQ

Revenue: ₹1,556 Cr ↑35% YoY | ↑14% QoQ

EBITDA: ₹209 Cr ↑36% YoY | ↑10% QoQ

EBITDA Margin: 13.5% vs 13.4% YoY | 13.9% QoQ

NETWEB TECHNOLOGIES Q2 FY27 (STANDALONE)

Net Profit: ₹137 Cr ↑335% YoY | ↑60% QoQ

Revenue: ₹1,323 Cr ↑336% YoY | ↑61% QoQ

EBITDA: ₹197 Cr ↑334% YoY | ↑64% QoQ

EBITDA Margin: 14.9% vs 15.0% YoY | 14.7% QoQ

IDFC FIRST BANK Q2 FY27 RESULTS (STANDALONE)

• Net Profit ₹1,045 Cr ↓3% QoQ, ↑197% YoY

• NII ₹6,184 Cr ↑4% QoQ, ↑21% YoY

• Operating Profit ₹2,539 Cr ↓1% QoQ

• Provisions ₹1,137 Cr ↓1% QoQ

• Gross NPA 1.32% vs 1.51% QoQ

• Net NPA 0.40% vs 0.44% QoQ

• Gross NPA ₹4,466 Cr ↓1% QoQ

• Net NPA ₹1,334 Cr ↑4% QoQ

IDFC FIRST BANK Q2 FY27: SEGMENT-WISE PERFORMANCE

Treasury

• Revenue ₹8,219.02 Cr ↑17.53% YoY, ↑6.21% QoQ

• Profit ₹35.93 Cr vs loss ₹26.52 Cr YoY, ↓91.34% QoQ

Wholesale Banking

• Revenue ₹3,459.45 Cr ↑27.09% YoY, ↑8.38% QoQ

• Profit ₹460.63 Cr ↑9.22% YoY, ↑13.75% QoQ

Retail Banking

• Revenue ₹15,821.05 Cr ↑19.51% YoY, ↑8.25% QoQ

• Profit ₹1,013.27 Cr ↑1,837.81% YoY, ↑62.72% QoQ

Digital Banking

• Revenue ₹2,590.16 Cr ↑13.07% YoY, ↑7.73% QoQ

• Profit ₹112.03 Cr vs loss ₹84.79 Cr YoY, ↑70.68% QoQ

Other Retail Banking

• Revenue ₹13,230.89 Cr ↑20.82% YoY, ↑8.36% QoQ

• Profit ₹901.24 Cr ↑557.46% YoY, ↑61.86% QoQ

Other Banking Business

• Revenue ₹243.27 Cr ↑4.53% YoY, ↑5.67% QoQ

• Profit ₹92.08 Cr ↓11.39% YoY, ↑5.04% QoQ

Total Profit Before Tax

• ₹1,401.58 Cr ↑227.30% YoY, ↓0.51% QoQ

CHEMCON SPECIALITY CHEMICALS Q2 FY27 (STANDALONE)

Net Profit: ₹8 Cr ↑31% YoY | ↓31% QoQ

Revenue: ₹65 Cr ↑22% YoY | ↓2% QoQ

EBITDA: ₹11 Cr ↑61% YoY | ↓28% QoQ

EBITDA Margin: 16.9% vs 12.8% YoY | 23.2% QoQ

HIGH ENERGY BATTERIES Q2 FY27

Net Profit: ₹5.73 Cr ↑184.37% YoY | vs ₹1.82 Cr loss QoQ

Revenue: ₹28.18 Cr ↑62.18% YoY | ↑257.65% QoQ

EBITDA: ₹8.74 Cr ↑158.83% YoY | vs ₹1.75 Cr loss QoQ

EBITDA Margin: 31.01% vs 19.43% YoY | -22.26% QoQ

RAJOO ENGINEERS Q2 FY27 (CONS.)

Net Profit: ₹8.26 Cr ↓41.38% YoY | ↓52.37% QoQ

Revenue: ₹101.91 Cr ↑10.47% YoY | ↓17.19% QoQ

EBITDA: ₹9.93 Cr ↓45.74% YoY | ↓54.27% QoQ

EBITDA Margin: 9.75% vs 19.84% YoY | 17.65% QoQ

KOTAK MAHINDRA BANK TO NDTV PROFIT

NIMs drop 15 Bps due To FCNR (B)

Tractor & CV Portfolio quality is quite good

Watchful on El Nino situation

Seeing good traction on credit card spends

Market share in credit card spends is small but franchise strength is very high

Still assessing RBI guidelines on leverage ratios

Having ongoing discussions on the impact on changes in leverage ratios

KAJARIA CERAMICS Q2 FY27

Net Profit: ₹191 Cr ↑42% YoY | ↑12% QoQ

Revenue: ₹1,468 Cr ↑24% YoY | ↑11% QoQ

EBITDA: ₹287 Cr ↑34% YoY | ↑10% QoQ

EBITDA Margin: 19.5% vs 18.0% YoY | 19.6% QoQ

CHEMBOND CHEMICALS Q2 FY27 (CONSOLIDATED)

• Net Profit ₹3.26 Cr ↓54.67% YoY, ↓65.86% QoQ

• Revenue ₹95.77 Cr ↑31.12% YoY, ↑10.74% QoQ

• EBITDA ₹8.34 Cr ↓21.89% YoY, ↓26.40% QoQ

• Margin 8.71% vs 14.62% YoY, 13.10% QoQ

US PRESIDENT TRUMP:

Want to get back to a life where Russia, Ukraine make a deal

Can do business with Russia, Ukraine if they make a deal

May have to finish it off or make a deal with Iran, not sure

Both a strike and an agreement are a possibility with Iran

It's up to Iran whether US makes a deal with them

We're taking out all the oil we want from Hormuz

Oil is going to come down very soon

US is leading China in Al

RAILTEL CORPORATION Q2 FY27 (STANDALONE)

Net Profit: ₹68.56 Cr ↓9.87% YoY | ↑4.23% QoQ

Revenue: ₹1,146.14 Cr ↑20.47% YoY | ↑28.31% QoQ

EBITDA: ₹176 Cr ↑13.93% YoY | ↑33.77% QoQ

EBITDA Margin: 15.36% vs 16.24% YoY | 14.73% QoQ

Other Income: ₹3 Cr vs ₹14 Cr YoY | ₹16 Cr QoQ

EPS: ₹2.14 ↓10% YoY | ↑4% QoQ

BHARAT COKING COAL Q2 FY27 (STANDALONE)

Net Profit: ₹124 Cr vs ₹53 Cr loss YoY | vs ₹68 Cr loss QoQ

Revenue: ₹4,413 Cr ↑39% YoY | ↑23% QoQ

Other Income: ₹159 Cr vs ₹470 Cr YoY | ₹136 Cr QoQ

Operating Profit: ₹200 Cr vs ₹384 Cr loss YoY | vs ₹64 Cr loss QoQ

Operating Profit Margin: 4.5% vs -12.1% YoY | -1.8% QoQ

EPS: ₹0.27 vs -₹0.11 YoY | -₹0.15 QoQ

NETANYAHU AT AN ARROW MISSILE DEFENSE BATTERY: HAVE INTELLIGENCE INDICATIONS IRAN AND ITS PROXIES MAY TRY TO CHALLENGE US WITH AN ATTACK AIMED AT DISRUPTING THE ELECTIONS.