


Rajasekar Maruthasalam
5.3K posts

@FunTechAcademy
10+ years in stocks | 13x Zerodha Challenge winner | Guiding investors with honest equity insights | Helping you avoid mistakes & grow wealth with peace of mind






#RRKABEL Booked .. Moving to #Ratnaveer !! #DARVAS🥸























Kotak Bank Q4📢 Fair result✅ Consolidated Profit up 6% YoY NII up 8.1% YoY GNPA at 1.20% vs 1.30% QoQ Net NPA at 0.25% vs 0.31% QoQ Provisions reduced 40% QoQ (Provisions helped in Profits) NIM up 13 Bps at 4.67%🔥 ROA 2.18% Their Microfinance segments such as BSS and Sonata are still loss making. Unable to understand why they are not able to run microfinance efficiently. Kotak AMC profit down 50% YoY. The highest profitable growing segment is not able to sustain growth⏬ Consolidated PAT up 10% if Infinia Divestment (one time profit) included. Profit is boosted by lower Opex, lower provisions and NIM expansion.




