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Prices as of 8 Oct 2026 close · Not investment advice

The Karnataka Bank Limited

NSE: KTKBANKPrivate Sector Bank

Share price

₹320.80

-1.73% close of 8 Oct 2026

Market cap ₹12,126 CrP/E 8.4

Business score

How strong the business is, in one number. The parts behind it are in Pro.

58

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹12,126 Cr

P/E ratio

8.4

P/B ratio

0.9

ROCE

6.1%

ROE

10.4%

Dividend yield

1.6%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 8 Oct 2026 close52-week high ₹343.0552-week low ₹171.08

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Sales grew 0.5% over the past year, and 10.7% a year over its longer record. Meanwhile what it keeps on lending improved from 4.3% to 5% over the last two years.

Whether it grew faster than its sector

It grew 10.7% a year against a sector median of 16.0% — 5.3 percentage points slower.

Room to re-rate, or risk of de-rating

At 8.4× earnings against a market that pays 23.9× across 2199 companies we can price. Its own industry sits at 13.9×, across 5 companies. It is against its own five-year median of 6.1×, the 96th percentile of its own range.

Whether growth justifies the valuation

Priced at 2.1 times its growth rate, on earnings growth of 4%.

Profit growthPrice per ₹1 profitPer 1% growth
The Karnataka Bank Limited — this one4%/yr8.4×₹2.1
HDFC Bank18%/yr13.5×₹0.75
ICICI Bank17%/yr17.2×₹1.0
Kotak Mahindra Bank9%/yr21.6×₹2.4
Axis Bank35%/yr13.9×₹0.40
IDBI Bank Limited35%/yr9.6×₹0.27

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Private Sector Bank), it ranks 14 of 20 on returns, 17 of 20 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

No durable advantage shows in the numbers: it earns 10.4% on capital, ahead of 30% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result

What the last results showed. Whether management kept its word is in Pro.

Results are expected soon.

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹12,126 Cr
Prev close
₹320.80
52w High
₹346
52w Low
₹170
Enterprise value
—
Beta
1.0
Price CAGR 1y
90.0%
Price CAGR 3y
11.0%
Price CAGR 5y
37.0%
Price CAGR 10y
11.0%

Ratios

Return on assets
1.0%
PEG ratio
2.1
P/E ratio
8.4
P/B ratio
0.9
EV / EBITDA
—
Industry P/E
13.7
ROCE
6.1%
ROCE 5y average
—
ROE
10.4%
Debt / Equity
0.4
Interest coverage
—
Dividend yield
1.6%
ROE 3y average
12.0%
ROE last year
10.0%

Annual P&L

Annual revenue
₹8,918 Cr
Annual profit
₹1,311 Cr
Operating margin
4.0%
Net profit margin
14.7%
EBITDA margin
4.1%
Sales growth 3y
7.3%
Sales growth 5y
7.4%
Profit growth 3y
4.0%
Profit growth 5y
22.0%
EPS
₹34.7
Sales growth TTM
0.0%
Profit growth TTM
23.0%
Dividend payout
14.0%

Quarter P&L

Sales latest quarter
₹2,383 Cr
Profit latest quarter
₹419 Cr
YoY quarterly sales growth
5.4%
YoY quarterly profit growth
43.5%
OPM latest quarter
8.0%

Balance Sheet

Book Value
₹350
Face Value
₹10.0
Total debt
₹5,329 Cr
Total cash
₹7,064 Cr
Borrowings
₹5,329 Cr
Reserves / Equity
34.0

Cash Flow

Operating cash flow
₹1,100 Cr
Free cash flow
₹1,012 Cr
FCF yield
—
Net cash flow
-₹248 Cr

Shareholding

Promoter holding
—
FII holding
13.1%
DII holding
15.8%
Public holding
71.2%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
HDFC Bank699.1013.610,77,9141.8520,382.718.490,575.33.77.0
ICICI Bank1,349.2517.39,68,6200.8816,276.213.952,240.96.47.2
Kotak Mah. Bank438.6021.84,36,3140.155,480.522.618,354.66.47.0
Axis Bank1,238.1013.93,85,5160.087,670.422.235,542.09.96.2
IDBI Bank85.009.891,3950.002,130.65.37,549.37.45.9
Federal Bank322.5017.079,7440.371,302.536.87,861.69.96.4
IndusInd Bank870.0051.367,7860.171,037.171.711,309.9-7.85.7
Karnataka Bank319.808.412,1011.56419.143.32,382.75.46.1
Median311.9013.847,9270.34628.729.64,735.49.66.4

Competes with: Axis Bank, Federal Bank, HDFC Bank, ICICI Bank, IDBI Bank Limited, IDFC First Bank, IndusInd Bank, Kotak Mahindra Bank, Yes Bank Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Consolidated · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue1,9592,0272,1132,2012,2782,2342,2432,2582,2612,1792,2202,2572,383
Expenses689670758938664674743865757651737717742
Financing Profit12615370-10423915950-84-27755126196
Financing Margin %683-51172-4-04268
Other Income324250326419279270299428358343302399355
Interest1,1441,2041,2851,3671,3751,4011,4501,4781,5061,4511,4281,4141,444
Depreciation0000000000000
Profit before tax450402396315518429349344357420357525552
Tax %18181613232219271824192224
Net Profit371330331274400336284253292319291408419
EPS in Rs12119.557.27118.907.506.687.748.447.691111
Gross NPA %3.683.473.643.533.543.213.113.083.463.333.322.782.58
Net NPA %1.431.361.551.581.661.461.391.311.441.351.310.980.87
Gross NPA2,4022,5712,4532,5652,3212,233
Income on Investments380389406423424433
Interest on Advances1,7651,7301,6411,6211,6891,814
Interest on RBI and Inter-bank Balances4.648.8322105.186.66
Net NPA1,0051,050976995803736

Filed only on the standalone basis, so shown from it: Gross NPA, Income on Investments, Interest on Advances, Interest on RBI and Inter-bank Balances, Net NPA.

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Consolidated · to 31 Mar 2026
Line itemMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue6,4756,2326,2227,2208,2999,0148,9189,039
Expenses2,7062,9022,6772,6512,9832,8542,7572,848
Financing Profit-676-719-186534316457362454
Financing Margin %-10-12-374545
Other Income1,2621,4049549931,3191,2701,4031,400
Interest4,4444,0493,7314,0355,0005,7035,7995,738
Depreciation6474748672851070
Profit before tax5226126941,4401,5631,6411,6581,854
Tax %17212718162221
Net Profit4324825081,1801,3071,2731,3111,437
EPS in Rs1416163835343538
Dividend Payout %0122413161514

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
—
5 years
7%
3 years
7%
TTM
0%

Compounded profit growth

10 years
—
5 years
22%
3 years
4%
TTM
23%

Stock price CAGR

10 years
11%
5 years
37%
3 years
11%
1 year
90%

Return on equity

10 years
—
5 years
12%
3 years
12%
Last year
10%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Consolidated
Line itemMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital311311311312377378378
Reserves5,6606,3316,7837,90010,47011,70712,846
Borrowing4,0651,7652,3141,5634,4001,9415,329
Deposits71,78575,65480,38787,36897,9881,04,8061,08,777
Other Liabilities1,4931,5532,2451,9142,8492,1292,025
Total Liabilities83,31385,61592,04099,0571,16,0831,20,9601,29,355
Fixed Assets8268388058469159761,052
CWIP01132913149
Investments17,54521,63522,04023,32524,30024,53526,737
Advances76,54181,810
Other Assets64,94263,14269,18274,85790,85595,4351,01,558
Total Assets83,31385,61592,04099,0571,16,0831,20,9601,29,355

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Consolidated
Line itemMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-903,368-4671,8306812101,100
Cash from Investing Activity-56-87-56-88-369-691-88
Cash from Financing Activity-545-885-355-191,582412-1,260
Net Cash Flow-6902,396-8791,7231,894-69-248
Free Cash Flow-1463,281-5231,743570481,012

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Consolidated
Line itemMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %78715141110

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Consolidated · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
FIIs231919151011131615121213
DIIs8.601823232220181716161616
Public696358626869696769727271
No. of Shareholders2,59,5212,67,6373,00,8723,43,7973,56,7743,74,5883,99,5694,04,4054,10,7904,10,5903,93,8413,74,587

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year +86.1% (₹172.35 → ₹320.80)Brick size ₹10.35 (fixed)Bricks 24
₹200₹250₹300₹321Nov '25Apr '26Aug '26
Price moved up one brickPrice moved down one brickLast close ₹320.80 on 8 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

capital adequacy (CRAR) %

21.10pct

2026-06-30

CASA ratio %

32.42pct

2026-06-30

cost-to-income %

55.14pct

2026-06-30

credit cost

0.03pct

2026-06-30

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

gross NPA %

2.58pct

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

total loans / revolving facilities outstanding at period end, the base of loan_default_cr

4,105cr

2026-06-30

net NPA %

0.87pct

2026-06-30

net interest margin %

3.20pct

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

provision coverage %

67.03pct

2026-06-30

FY revenue / permanent employees + workers, same basis (calc)

98,68,319inr

2026-03-31

return on assets %

1.05pct

2026-03-31

News

News and filings about The Karnataka Bank Limited. Open one to see why it matters.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Depends on the price of

  • Interest Rates

Sells products of

Products sold by

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Private Sector Bank
Classification
Financial Services › Private Sector Bank
ISIN
INE614B01018

Business segments

  • Retail Banking · 45%
  • Corporate Banking · 34%
  • Treasury Operations · 19%
  • Other Banking Operations · 3%

News impact

Big market events that reach The Karnataka Bank Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

15 Sep 2026unspecified₹5
16 Sep 2025unspecified₹5
3 Sep 2024unspecified₹5.5
22 Aug 2023unspecified₹5
18 Aug 2022unspecified₹4
18 Aug 2021unspecified₹1.8
17 Mar 2020bonus₹0
29 Jul 2019unspecified₹3.5

Splits, bonuses & buybacks

  • daily-prices repair: 9 rows from NSE's archive (replace 1, delete 1, insert 7), 2016-10-30..2026-02-01 (docs/flat_day_repair.md)1× · 30 Oct 2016

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.