Kotak Bank plans 5 times stress-test capacity by Mar

FUTURE READY Move aims to further strengthen resilience and scalability for future growth Core banking system was not down for a year, not a single outage has been reported Bank has reduced dependence on vendorised legacy systems and built its own in-house engineering

- MAHESH NAYAK

KOTAK MAHINDRA BANK plans to raise its core banking system's stress-tested capacity to four-five times by March 2026. Currently operating at three times the capacity, the move aims to further strengthen resilience and scalability for future growth.

Scale certification is a validation process that demonstrates a bank's ability to handle operations, systems, and workloads at significantly higher levels of demand than usual.

"Our core banking system has not been down for a year, not a single outage," says Bhavnish Lathia, chief technology officer at Kotak Mahindra Bank. He said this success reflects the bank's journey through the preand postembargo phases imposed by the Reserve Bank of India, where the regulatory pause became an opportunity to double down on technology transformation.