The Karnataka Bank Ltd.

•

karnatakabank.bank.inBSE: 532652NSE: KTKBANK

Market Cap₹ 12,524 Cr.

Current Price

High / Low₹ 346 / 170

Stock P/E8.7

Book Value₹ 345

Price to Book0.67

Dividend Yield1.51 %

ROCE11.0 %

ROE10.8 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Other Retail Banking-Retail Banking: 44.5% • Corporate/Whlolesale Banking: 33.6% • Treasury: 18.8%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 22.1% CAGR over last 5 years
Comfortable capital adequacy - CAR of 20.1%
Latest quarter profit grew 43.3% YoY, showing strong momentum
Strong provisioning - provision coverage ratio of 84.7%
Company has a consistent dividend-paying track record
Company generates healthy free cash flow

CONS

A large part of profit comes from other income (84.6% of PBT)
Operating margins have contracted to 22.1% from 30.6%
Company has delivered a poor sales growth of 7.4% over past five years
Growth is decelerating - 3Y profit CAGR (3.6%) trails the 5Y trend (22.1%)
Though reporting repeated profits, the company pays out little dividend (14.4%)
Expensive relative to growth - PEG of 2.5

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesBankBank - Private

Part ofNIFTY MICROCAP250 NIFTY TOTAL MKT

S.No.	Name
1.	HDFCBANK	687.25	13.41	1059339.46	2.26	203826.90	1092.64	905753.30	936.66	12.81	35.64
2.	ICICIBANK	1390.10	17.79	997793.42	0.86	16209.74	12.62	52240.85	6.44	16.51	32.39
3.	KOTAKBANK	414.40	20.31	412230.87	0.16	5487.06	23.89	18354.57	6.41	12.05	19.05
4.	AXISBANK	1239.50	13.89	385909.17	0.08	7656.51	22.31	35541.96	9.87	11.04	63.88
5.	IDBI	81.63	9.42	87771.86	0.00	2130.57	5.27	7549.28	7.44	14.76	76.80
6.	FEDERALBNK	344.85	18.21	85260.58	0.35	1297.61	37.06	7861.58	9.94	10.98	66.11
7.	AUBANK	1061.00	43.70	79680.01	0.09	795.95	37.03	5302.74	21.11	14.17	56.24
8.	INDUSINDBK	1002.00	59.04	78069.88	0.15	1037.02	71.68	11309.94	-7.78	4.97	55.07
9.	IDFCFIRSTB	86.00	32.17	74146.70	0.29	11478.20	2431.19	110510.90	1046.12	5.42	38.45
10.	YESBANK	22.43	18.65	70403.95	0.00	1071.81	32.53	8054.49	5.92	8.04	58.47
11.	RBLBANK	416.80	71.90	64643.15	0.24	2342.30	993.41	38402.40	1015.97	6.49	40.95
12.	KTKBANK	331.10	8.71	12524.16	1.51	419.12	43.29	2382.65	5.37	11.02	68.86

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	1,959	2,027	2,113	2,201	2,278	2,234	2,243	2,258	2,261	2,179	2,220	2,257	2,383
Interest Expended	1,144	1,204	1,285	1,367	1,375	1,401	1,450	1,478	1,506	1,451	1,428	1,414	1,444
Net Interest Income	815	822	828	834	903	834	793	781	756	728	792	843	938
	324	250	326	419	279	270	292	428	358	343	302	399	355
Total Income	0	0	0	0	2,557	2,504	2,542	2,680	2,620	2,523	2,522	2,656	2,738
Operating Expenses	537	550	613	754	624	643	652	834	647	631	643	627	713
Operating Profit	601	522	540	500	559	460	433	375	467	440	452	615	580
Provisions & Contingencies	152	120	144	185	40	31	84	31	111	20	95	90	29
Profit before Tax	450	402	396	315	518	429	349	344	356	420	357	525	552
Tax %	17.55%	17.90%	16.35%	12.96%	22.77%	21.67%	18.81%	26.62%	17.98%	24.01%	18.53%	22.21%	24.05%
Net Profit	371	330	331	274	400	336	284	252	292	319	291	408	419
EPS	12	11	10	8	11	9	8	7	8	8	8	11	1

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	0	0	0	0	0	0	0	8,299	9,014	8,918	—
Interest Expended	3,695	3,566	4,001	4,444	4,049	3,731	4,035	5,000	5,703	5,799	5,738
Net Interest Income	-3,695	-3,566	-4,001	-4,444	-4,049	-3,731	-4,035	3,299	3,310	3,119	—
	809	954	1,002	1,262	1,404	954	993	1,319	1,270	1,403	1,400
Total Income	0	0	0	0	0	0	0	9,617	10,283	10,321	10,439
	0	0	0	0	0	0	0	2,454	2,753	2,547	—
Operating Profit	-3,695	-3,566	-4,001	-4,444	-4,049	-3,731	-4,035	2,163	1,827	1,974	—
	4	98	28	-5	6	928	768	601	186	316	—
Profit before Tax	468	310	608	522	612	695	1,441	1,563	1,641	1,658	1,853
Tax %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	16.41%	22.44%	20.96%	22.46%
Net Profit	452	326	477	432	483	509	1,180	1,306	1,272	1,311	1,437
EPS	19	12	15	14	15	16	38	35	34	35	—

COMPOUNDED SALES GROWTH

10 Years:: 6%
5 Years:: 7%
3 Years:: 7%

COMPOUNDED PROFIT GROWTH

10 Years:: 12%
5 Years:: 22%
3 Years:: 4%

STOCK PRICE CAGR

10 Years:: 11%
5 Years:: 38%
3 Years:: 11%
1 Year:: 86%

RETURN ON EQUITY

10 Years:: 10%
5 Years:: 12%
3 Years:: 12%
Last Year:: 11%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
Equity Capital	283	283	283	311	311	311	312	377	378	378
	4,860	5,128	5,503	5,660	6,331	6,784	7,901	10,470	11,706	12,845
	56,733	62,871	68,452	71,785	75,655	80,387	87,368	97,988	1,04,807	1,08,779
	833	816	3,326	4,065	1,765	2,314	1,563	4,400	1,941	5,329
Other Liabilities & Provisions	1,330	1,276	1,483	1,493	1,553	1,789	1,914	2,848	2,128	2,024
Total Liabilities	64,039	70,374	79,046	83,313	85,615	91,584	99,058	12	1,20,961	1,29,357
ASSETS	-	-	-	-	-	-	-	-	-	-
	2,929	3,546	3,412	2,756	4,866	3,957	5,204	7,717	7,525	7,063
Balances with Banks & Money at Call	345	55	198	163	449	480	955	337	459	672
	20,220	15,444	16,185	17,545	21,635	22,041	23,326	24,302	24,537	26,739
	36,916	47,252	54,828	56,964	51,516	56,783	59,952	71,509	76,541	81,810
	721	762	775	826	838	805	846	915	976	1,051
	2,909	3,315	3,648	5,058	6,310	7,505	8,746	11,293	10,909	12,012
Total Assets	64,039	70,374	79,046	83,313	85,615	91,584	99,058	12	1,20,961	1,29,357

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-184	721	-2,231	-90	3,369	-467	1,830	681	-321	1,100
Cash from Investing	-40	-91	-68	-56	-87	-56	-87	-369	-161	-88
Cash from Financing	453	-303	2,307	-545	-885	-355	-20	1,582	412	-1,260
	229	327	9	-690	2,396	-879	1,723	1,894	-70	-248

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE
EPS (₹)	16.00	11.52	16.89	13.89	15.52	16.35	37.79	34.63	33.67	34.65
Book Value (₹)	166.98	176.71	190.12	176.93	198.70	213.25	246.62	274.16	306.52	334.30
Dividend per Share (₹)	4.00	3.00	3.50	0.00	1.80	4.00	5.00	5.50	5.00	5.00
PROFITABILITY
Net Interest Margin %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.56%	3.18%	3.04%	2.68%
ROA %	0.75%	0.48%	0.64%	0.53%	0.57%	0.57%	1.24%	1.21%	1.07%	1.05%
ROE %	10.76%	6.70%	9.21%	7.94%	8.27%	7.94%	16.46%	14.48%	11.61%	10.82%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	47.14%	53.15%	60.11%	56.34%
ASSET QUALITY
Gross NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.08%	2.78%
Net NPA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.31%	0.98%
Provision Coverage %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	81.42%	83.54%
Slippage Ratio %	—	—	—	—	—	—	—	—	—	—
BALANCE SHEET & LIQUIDITY
CASA %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	32.97%	31.94%	31.75%	33.61%
Credit-Deposit Ratio %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.02%	0.04%	0.02%	0.05%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	17.45%	18.00%	19.85%	20.07%
GROWTH & VALUATION
Net Profit Growth %	8.90%	-28.00%	46.57%	-9.53%	11.76%	5.40%	132.05%	10.68%	-2.60%	3.00%
Book Value Growth %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	15.64%	11.17%	11.80%	9.06%
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	3.60x	6.50x	5.22x	6.44x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.55x	0.82x	0.57x	0.67x
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	3.68%	2.44%	2.85%	2.24%

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	14.72	10.29	11.22	12.88	15.66	14.60	11.69	11.78	13.10
	22.85	22.05	20.22	18.15	17.00	16.10	15.84	16.16	15.75
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	62.42	67.66	68.56	68.97	67.35	69.30	72.46	72.05	71.15

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-10

Strikes/Lockouts/Disturbances

2026-09-10 - The Karnataka Bank Limited has informed the Exchange about strikes/lockouts/disturbances

2026-09-08

General Updates

2026-09-08 - The Karnataka Bank Limited has informed the Exchange about allotment of equity shares pursuant to exercise of vested stock options under the Karnataka Bank Employees Stock Option Scheme, 2023

2026-09-03

Change in Management

2026-09-03 - The Karnataka Bank Limited has informed the Exchange about change in Senior Management of the Bank

2026-09-03

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-03 - The Karnataka Bank Limited has informed the Exchange about Scheduling of meeting with Analysts / Institutional Investors

2026-09-03

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-03 - The Karnataka Bank Limited has informed the Exchange about Scheduling of meeting with Analysts / Institutional Investors

2026-09-01

Copy of Newspaper Publication

2026-09-01 - The Karnataka Bank Limited has informed the Exchange about Newspaper Advertisement in respect of 102nd Annual General Meeting of the Bank

2026-08-31

General Updates

2026-08-31 - The Karnataka Bank Limited has informed the Exchange about Disclosure in terms of Regulation 36 (1) (b) of the SEBI LODR Regulations, 2015

2026-08-31

General Updates

2026-08-31 - The Karnataka Bank Limited has informed the Exchange about Business Responsibility and Sustainability Report of the Bank for the FY 2025-26

2026-08-31

Shareholders meeting

2026-08-31 - The Karnataka Bank Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 22, 2026

News

Recent coverage and analyst commentary for KTKBANK

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Free 5nance Account

Name

HDFCBANK

687.25

13.41

1059339.46

2.26

203826.90

1092.64

905753.30

936.66

12.81

35.64

ICICIBANK

1390.10

17.79

997793.42

0.86

16209.74

12.62

52240.85

6.44

16.51

32.39

KOTAKBANK

414.40

20.31

412230.87

0.16

5487.06

23.89

18354.57

6.41

12.05

19.05

AXISBANK

1239.50

13.89

385909.17

0.08

7656.51

22.31

35541.96

9.87

11.04

63.88

IDBI

81.63

9.42

87771.86

0.00

2130.57

5.27

7549.28

7.44

14.76

76.80

FEDERALBNK

344.85

18.21

85260.58

0.35

1297.61

37.06

7861.58

9.94

10.98

66.11

AUBANK

1061.00

43.70

79680.01

0.09

795.95

37.03

5302.74

21.11

14.17

56.24

INDUSINDBK

1002.00

59.04

78069.88

0.15

1037.02

71.68

11309.94

-7.78

4.97

55.07

IDFCFIRSTB

86.00

32.17

74146.70

0.29

11478.20

2431.19

110510.90

1046.12

5.42

38.45

YESBANK

22.43

18.65

70403.95

0.00

1071.81

32.53

8054.49

5.92

8.04

58.47

RBLBANK

416.80

71.90

64643.15

0.24

2342.30

993.41

38402.40

1015.97

6.49

40.95

KTKBANK

331.10

8.71

12524.16

1.51

419.12

43.29

2382.65

5.37

11.02

68.86

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

1,959

2,027

2,113

2,201

2,278

2,234

2,243

2,258

2,261

2,179

2,220

2,257

2,383

Interest Expended

1,144

1,204

1,285

1,367

1,375

1,401

1,450

1,478

1,506

1,451

1,428

1,414

1,444

Net Interest Income

815

822

828

834

903

834

793

781

756

728

792

843

938

324

250

326

419

279

270

292

428

358

343

302

399

355

Total Income

2,557

2,504

2,542

2,680

2,620

2,523

2,522

2,656

2,738

Operating Expenses

537

550

613

754

624

643

652

834

647

631

643

627

713

Operating Profit

601

522

540

500

559

460

433

375

467

440

452

615

580

Provisions & Contingencies

152

120

144

185

111

Profit before Tax

450

402

396

315

518

429

349

344

356

420

357

525

552

Tax %

17.55%

17.90%

16.35%

12.96%

22.77%

21.67%

18.81%

26.62%

17.98%

24.01%

18.53%

22.21%

24.05%

Net Profit

371

330

331

274

400

336

284

252

292

319

291

408

419

EPS

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

8,299

9,014

8,918

—

Interest Expended

3,695

3,566

4,001

4,444

4,049

3,731

4,035

5,000

5,703

5,799

5,738

Net Interest Income

-3,695

-3,566

-4,001

-4,444

-4,049

-3,731

-4,035

3,299

3,310

3,119

—

809

954

1,002

1,262

1,404

954

993

1,319

1,270

1,403

1,400

Total Income

9,617

10,283

10,321

10,439

2,454

2,753

2,547

—

Operating Profit

-3,695

-3,566

-4,001

-4,444

-4,049

-3,731

-4,035

2,163

1,827

1,974

—

-5

928

768

601

186

316

—

Profit before Tax

468

310

608

522

612

695

1,441

1,563

1,641

1,658

1,853

Tax %

0.00%

16.41%

22.44%

20.96%

22.46%

Net Profit

452

326

477

432

483

509

1,180

1,306

1,272

1,311

1,437

EPS

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

LIABILITIES

Equity Capital

283

311

312

377

378

4,860

5,128

5,503

5,660

6,331

6,784

7,901

10,470

11,706

12,845

56,733

62,871

68,452

71,785

75,655

80,387

87,368

97,988

1,04,807

1,08,779

833

816

3,326

4,065

1,765

2,314

1,563

4,400

1,941

5,329

Other Liabilities & Provisions

1,330

1,276

1,483

1,493

1,553

1,789

1,914

2,848

2,128

2,024

Total Liabilities

64,039

70,374

79,046

83,313

85,615

91,584

99,058

1,20,961

1,29,357

ASSETS

2,929

3,546

3,412

2,756

4,866

3,957

5,204

7,717

7,525

7,063

Balances with Banks & Money at Call

345

198

163

449

480

955

337

459

672

20,220

15,444

16,185

17,545

21,635

22,041

23,326

24,302

24,537

26,739

36,916

47,252

54,828

56,964

51,516

56,783

59,952

71,509

76,541

81,810

721

762

775

826

838

805

846

915

976

1,051

2,909

3,315

3,648

5,058

6,310

7,505

8,746

11,293

10,909

12,012

Total Assets

64,039

70,374

79,046

83,313

85,615

91,584

99,058

1,20,961

1,29,357

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-184

721

-2,231

-90

3,369

-467

1,830

681

-321

1,100

Cash from Investing

-40

-91

-68

-56

-87

-56

-87

-369

-161

-88

Cash from Financing

453

-303

2,307

-545

-885

-355

-20

1,582

412

-1,260

229

327

-690

2,396

-879

1,723

1,894

-70

-248

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

PER SHARE

EPS (₹)

16.00

11.52

16.89

13.89

15.52

16.35

37.79

34.63

33.67

34.65

Book Value (₹)

166.98

176.71

190.12

176.93

198.70

213.25

246.62

274.16

306.52

334.30

Dividend per Share (₹)

4.00

3.00

3.50

0.00

1.80

4.00

5.00

5.50

5.00

PROFITABILITY

Net Interest Margin %

0.00%

3.56%

3.18%

3.04%

2.68%

ROA %

0.75%

0.48%

0.64%

0.53%

0.57%

1.24%

1.21%

1.07%

1.05%

ROE %

10.76%

6.70%

9.21%

7.94%

8.27%

7.94%

16.46%

14.48%

11.61%

10.82%

0.00%

47.14%

53.15%

60.11%

56.34%

ASSET QUALITY

Gross NPA %

0.00%

3.08%

2.78%

Net NPA %

0.00%

1.31%

0.98%

Provision Coverage %

0.00%

81.42%

83.54%

Slippage Ratio %

—

BALANCE SHEET & LIQUIDITY

CASA %

0.00%

32.97%

31.94%

31.75%

33.61%

Credit-Deposit Ratio %

0.00%

0.02%

0.04%

0.02%

0.05%

0.00%

17.45%

18.00%

19.85%

20.07%

GROWTH & VALUATION

Net Profit Growth %

8.90%

-28.00%

46.57%

-9.53%

11.76%

5.40%

132.05%

10.68%

-2.60%

3.00%

Book Value Growth %

0.00%

15.64%

11.17%

11.80%

9.06%

P/E (x)

0.00x

3.60x

6.50x

5.22x

6.44x

P/B (x)

0.00x

0.55x

0.82x

0.57x

0.67x

0.00%

3.68%

2.44%

2.85%

2.24%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

Promoters

0.00

14.72

10.29

11.22

12.88

15.66

14.60

11.69

11.78

13.10

22.85

22.05

20.22

18.15

17.00

16.10

15.84

16.16

15.75

Government

0.00

62.42

67.66

68.56

68.97

67.35

69.30

72.46

72.05

71.15

The Karnataka Bank Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

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The Karnataka Bank Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI