Kotak Mahindra Bank has recently drawn attention after reporting a 7% year-on-year dip in its net profit for Q1. The fall, primarily due to increased provisions and narrower interest margins, led to a decline in the stock price — triggering concern among retail investors.
Despite a reasonable 6% growth in Net Interest Income (NII) and a steady rise in advances and deposits, the bank’s profitability metrics were impacted by rising slippages in segments like vehicle finance and microcredit. Gross Non-Performing Assets (NPA) also edged higher, signaling short-term stress.
So, should one buy, sell, or hold?
This is where emotional discipline and financial clarity are vital — something that’s rarely taught in conventional education.
At Arthashastra Gurukul, we guide investors beyond surface-level market moves. Our Vedic-investing philosophy teaches not just “what” to do — but “why” and “when.” Sudden profit dips, like Kotak’s, often cause panic among untrained investors. But at Gurukul, we focus on:
Studying macro cycles, not just quarterly data
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