A Study on Term Loan Performance at Kotak Mahindra Bank, Anantapur

This study examines the performance of term loans at Kotak Mahindra Bank, Anantapur branch, over a five-year period from FY2021 to FY2025. Term loans constitute a critical component of the banking system, providing long-term financial support to individuals, businesses, and infrastructure projects. The study evaluates term loan performance through the lenses of loan growth, trend analysis, repayment behaviour, and asset quality, using secondary data sourced from Kotak Mahindra Bank annual reports and financial databases. Analytical tools including percentage analysis, trend index computation, and Gross NPA ratio analysis were employed. Findings reveal that the bank’s total advances grew from ₹2,23,670 crore in FY2021 to ₹4,26,909 crore in FY2025, with term loans increasing from ₹1,45,386 crore to ₹3,07,374 crore over the same period. The Gross NPA ratio declined from 3.25% to 1.40%, reflecting improved asset quality and credit risk management. The study concludes that efficient credit appraisal, continuous loan monitoring, and prudent risk management practices have enabled Kotak Mahindra Bank to maintain sustainable growth in long-term lending while supporting broader economic development.