Kotak Mahindra Bank is shifting its focus towards expanding its mid-market corporate loan book, driven by slow growth in the large corporate sector and thin margins. The bank has established a mid-market corporate loan book of approximately \u20b915,000 crore and expects a 20-25% growth in this segment over the next five years. This growth is anticipated across various sectors, including traditional ones like auto ancillaries and emerging ones such as education and shipping.<\/p>\n
The bank’s mid-market vertical, launched in April 2023, has shown significant growth, with a compounded annual growth rate of over 35%. This segment targets corporates with a turnover of \u20b9500 crore to \u20b91,500 crore, which falls between small and medium enterprises (SMEs) and large corporates. Many of these firms have evolved from traditional SMEs to more organized, corporate enterprises.<\/p>\n
Kotak Mahindra Bank’s head of corporate banking, Anu Aggarwal, expects the SME and mid-market verticals to maintain a 20-25% growth rate over the next five years. The mid-market book currently accounts for 10-12% of the bank’s corporate book, but is expected to increase to at least 20% in the next three to five years, driven by growth across industries.<\/p>\n
The bank’s wholesale banking segment, which includes corporate banking and SME, accounts for approximately 31% of its total \u20b94.79 lakh crore in loans. This segment has seen a 17% year-on-year increase, led by an 18% growth in corporate banking, which includes the mid-market segment. To achieve its growth targets, the bank is also considering project finance, which was previously not a focus area. By expanding its mid-market corporate loan book and exploring new avenues like project finance, Kotak Mahindra Bank aims to drive profitable growth and diversify its lending portfolio.<\/p>\n","protected":false},"excerpt":{"rendered":"
Kotak Mahindra Bank is shifting its focus towards expanding its mid-market corporate loan book, driven by slow growth in the large corporate sector and thin margins. The bank has established a mid-market corporate loan book of approximately \u20b915,000 crore and expects a 20-25% growth in this segment over the next five years. This growth is […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[84],"tags":[],"class_list":["post-222485","post","type-post","status-publish","format-standard","hentry","category-kotak-mahindra-bank"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/p9pSib-VSt","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":222642,"url":"https:\/\/smallnews.in\/banking\/kotak-mahindra-bank\/kotak-banks-q3-profit-sees-4-increase-reaching-rs-3446-crore-rediff-money-news\/","url_meta":{"origin":222485,"position":0},"title":"Kotak Bank’s Q3 Profit Sees 4% Increase, Reaching Rs 3,446 Crore: Rediff Money News","author":"Team Small News","date":"January 24, 2026","format":false,"excerpt":"Kotak Mahindra Bank has reported a 4% increase in standalone net profit to Rs 3,446 crore for the third quarter ended December 2025, compared to Rs 3,305 crore in the same period last year. The bank's total income rose to Rs 16,741 crore from Rs 16,050 crore, with interest income\u2026","rel":"","context":"In "Kotak Mahindra Bank"","block_context":{"text":"Kotak Mahindra Bank","link":"https:\/\/smallnews.in\/banking\/category\/kotak-mahindra-bank\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":222648,"url":"https:\/\/smallnews.in\/banking\/kotak-mahindra-bank\/kotak-mahindra-banks-q3-profit-after-tax-increases-by-4-to-%e2%82%b93446-crore\/","url_meta":{"origin":222485,"position":1},"title":"Kotak Mahindra Bank’s Q3 profit after tax increases by 4% to \u20b93,446 crore","author":"Team Small News","date":"January 25, 2026","format":false,"excerpt":"Kotak Mahindra Bank has announced its financial results for the third quarter ended December 31, 2025. The bank reported a 4% year-on-year (YoY) growth in net profit, reaching \u20b93,446 crore. The Net Interest Income (NII) for the quarter increased by 5% YoY to \u20b97,565 crore. However, the Net Interest Margin\u2026","rel":"","context":"In "Kotak Mahindra Bank"","block_context":{"text":"Kotak Mahindra Bank","link":"https:\/\/smallnews.in\/banking\/category\/kotak-mahindra-bank\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":222646,"url":"https:\/\/smallnews.in\/banking\/kotak-mahindra-bank\/kotak-mahindra-bank-sees-4-increase-in-net-profit-for-third-quarter-of-fiscal-year-2026\/","url_meta":{"origin":222485,"position":2},"title":"Kotak Mahindra Bank Sees 4% Increase in Net Profit for Third Quarter of Fiscal Year 2026","author":"Team Small News","date":"January 25, 2026","format":false,"excerpt":"Kotak Mahindra Bank has reported a consolidated net profit of \u20b93,446 crore for the third quarter of the financial year 2026, marking a 4.3% annual increase. The growth in net profit is attributed to improved net interest income (NII) and enhanced operating income, driven by an increase in advances. The\u2026","rel":"","context":"In "Kotak Mahindra Bank"","block_context":{"text":"Kotak Mahindra Bank","link":"https:\/\/smallnews.in\/banking\/category\/kotak-mahindra-bank\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":222553,"url":"https:\/\/smallnews.in\/banking\/hdfc-bank\/psb-xchange-announces-key-leadership-appointments-naming-ankush-aggarwal-as-chief-experience-officer-cxo-and-sahil-sikka-as-chief-business-officer-cbo-and-chief-financial-officer-cfo\/","url_meta":{"origin":222485,"position":3},"title":"PSB Xchange announces key leadership appointments, naming Ankush Aggarwal as Chief Experience Officer (CXO) and Sahil Sikka as Chief Business Officer (CBO) and Chief Financial Officer (CFO).","author":"Team Small News","date":"January 3, 2026","format":false,"excerpt":"PSB Xchange, a digital marketplace for financial solutions, has announced the appointment of two new leaders to its team. Ankush Aggarwal has been appointed as Chief Experience Officer, bringing over 20 years of experience in corporate banking and SME segments. He specializes in building client servicing frameworks, driving digital transformation,\u2026","rel":"","context":"In "HDFC Bank"","block_context":{"text":"HDFC Bank","link":"https:\/\/smallnews.in\/banking\/category\/hdfc-bank\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":222576,"url":"https:\/\/smallnews.in\/banking\/kotak-mahindra-bank\/equity-market-fundraising-expected-to-surge-fueled-by-billion-dollar-plus-ipos-according-to-kotak-investment-banking\/","url_meta":{"origin":222485,"position":4},"title":"Equity market fundraising expected to surge, fueled by billion-dollar-plus IPOs, according to Kotak Investment Banking","author":"Team Small News","date":"January 8, 2026","format":false,"excerpt":"India's equity capital markets are expected to have a strong year in 2026, with total issuance volumes projected to cross \u20b96 lakh crore, according to Kotak Investment Banking. The firm predicts that initial public offerings (IPOs) alone will reach \u20b92.5 lakh crore, with new-age technology and consumer-facing companies leading the\u2026","rel":"","context":"In "Kotak Mahindra Bank"","block_context":{"text":"Kotak Mahindra Bank","link":"https:\/\/smallnews.in\/banking\/category\/kotak-mahindra-bank\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":222621,"url":"https:\/\/smallnews.in\/banking\/axis-bank\/next-weeks-q3-earnings-calendar-bhel-indigo-kotak-bank-bpcl-and-adani-green-are-among-the-top-companies-set-to-announce-their-financial-results-for-2026\/","url_meta":{"origin":222485,"position":5},"title":"Next week’s Q3 earnings calendar: BHEL, Indigo, Kotak Bank, BPCL, and Adani Green are among the top companies set to announce their financial results for 2026.","author":"Team Small News","date":"January 18, 2026","format":false,"excerpt":"The third quarter (Q3) earnings season for the fiscal year 2026 is set to begin, with several prominent companies scheduled to declare their financial results next week. Some of the notable companies that will be announcing their Q3 earnings include BHEL, Indigo, Kotak Bank, BPCL, and Adani Green. Bharat Heavy\u2026","rel":"","context":"In "Axis bank"","block_context":{"text":"Axis bank","link":"https:\/\/smallnews.in\/banking\/category\/axis-bank\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/posts\/222485","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/comments?post=222485"}],"version-history":[{"count":0,"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/posts\/222485\/revisions"}],"wp:attachment":[{"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/media?parent=222485"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/categories?post=222485"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smallnews.in\/banking\/wp-json\/wp\/v2\/tags?post=222485"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}