Archive · 17 Dec 2025
Kotak Bank to Boost Stress-Test Capacity
Kotak Mahindra Bank wants to make its banking system much stronger.
Right now, it can handle 3 times its normal workload, but by March 2026, it wants to handle 4-5 times.
This means the bank can work better even when lots of people are using it at once.
The bank has a big team of 2,000 people working on technology to make things faster and safer.
They use special computers to stop bad people from stealing money, and they can do this in just 6 seconds.
The bank also uses smart computers to help them build new things quickly.
They want to make banking easier and more personal for everyone.
Kotak Mahindra Bank aims to increase its core banking system’s stress-tested capacity to 4-5 times by March 2026.
The bank currently operates at 3 times its normal capacity and has had no outages in the past year.
Kotak has reduced dependence on legacy systems and built in-house engineering capabilities with a 2,000-member technology team.
The bank uses AI-driven fraud models to intercept suspicious transactions within six seconds.
Kotak has built its own AI platform to accelerate innovation and improve customer experiences.
- Who
- Kotak Mahindra Bank
- What
- Plans to increase core banking system’s stress-tested capacity to 4-5 times by March 2026
- When
- By March 2026
- Where
- Mumbai, Bangalore, Hyderabad, Gurgaon
- Why
- To strengthen resilience and scalability for future growth
- Bank
- Kotak Mahindra Bank
- Current Capacity
- 3 times
- Target Capacity
- 4-5 times
- Target Date
- March 2026
- Technology Team Size
- 2,000 members
- Locations
- Mumbai, Bangalore, Hyderabad, Gurgaon
- Fraud Detection Time
- 6 seconds
- Real-Time Metrics
- 10 million per minute