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The Karnataka Bank Ltd.

Bank - Private

Rating :
69/99

BSE: 532652 | NSE: KTKBANK

NSE BSE
267.60
03-Jun-2026
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  264.1
  •  269.65
  •  257.15
  •  264.00
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  2909567
  •  767956514.05
  •  278.4
  •  169.12

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 10,111.82
  • 7.71
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 4,526.64
  • 1.87%
  • 0.80

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 0.00%
  • 7.15%
  • 59.18%
  • FII
  • DII
  • Others
  • 11.78%
  • 15.13%
  • 6.76%

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -3.67

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 11.85
  • 21.41
  • 2.57

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.62
  • 0.74

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.60
  • 5.60
  • 5.94

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.62
  • 0.62
  • 0.74

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.23
  • 1.23
  • 1.85

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Var%
Dec 25
Dec 24
Var%
Sep 25
Sep 24
Var%
Jun 25
Jun 24
Var%
Interest Earned
2,257.32
2,258.46
-0.05%
2,220.05
2,243.02
-1.02%
2,179.18
2,234.13
-2.46%
2,261.28
2,277.99
-0.73%
Interest Exp.
1,414.35
1,477.77
-4.29%
1,427.98
1,450.23
-1.53%
1,451.05
1,400.57
3.60%
1,505.66
1,374.63
9.53%
Net Interest Income
842.97
780.69
7.98%
792.07
792.79
-0.09%
728.13
833.56
-12.65%
755.62
903.36
-16.35%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
398.86
421.64
-5.40%
302.28
299.00
1.10%
343.40
269.92
27.22%
358.37
279.01
28.44%
Total Income
2,656.18
2,680.10
-0.89%
2,522.33
2,542.02
-0.77%
2,522.58
2,504.05
0.74%
2,619.65
2,557.00
2.45%
Operating Exp.
626.70
827.02
-24.22%
642.57
658.75
-2.46%
631.40
642.92
-1.79%
646.61
623.71
3.67%
Operating Profit
615.13
375.31
63.90%
451.78
433.04
4.33%
440.13
460.56
-4.44%
467.38
558.66
-16.34%
Provision
90.37
31.06
190.95%
94.85
83.79
13.20%
20.05
31.33
-36.00%
110.80
40.26
175.21%
PBT
524.76
344.25
52.44%
356.93
349.25
2.20%
420.08
429.23
-2.13%
356.58
518.40
-31.22%
PBTM
23.25
15.24
52.56%
16.08
15.57
3.28%
19.28
19.21
0.36%
15.77
22.76
-30.71%
TAX
116.51
91.63
27.15%
66.15
65.70
0.68%
100.86
92.99
8.46%
64.08
117.97
-45.68%
PAT
408.25
252.62
61.61%
290.78
283.55
2.55%
319.22
336.24
-5.06%
292.50
400.43
-26.95%
PATM
18.09%
11.19%
13.10%
12.64%
14.65%
15.05%
12.94%
17.58%
EPS
10.79
6.68
61.53%
7.69
7.50
2.53%
8.44
8.89
-5.06%
7.73
10.59
-27.01%
Gross NPA
2,320.93
2,402.08
-3.38%
2,565.31
2,419.06
6.05%
2,453.10
2,414.92
1.58%
2,571.09
2,668.45
-3.65%
Gross NPA%
2.78
3.08
-9.74%
3.32
3.11
6.75%
3.33
3.21
3.74%
3.46
3.54
-2.26%
Net NPA
803.22
1,004.55
-20.04%
994.70
1,063.57
-6.48%
975.96
1,083.08
-9.89%
1,049.53
1,228.25
-14.55%
Net NPA%
0.98
1.31
-25.19%
1.31
1.39
-5.76%
1.35
1.46
-7.53%
1.44
1.66
-13.25%
CASA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0

Annual Results

Standalone Figures in Rs. Crores /

Consolidated
Description
TTM
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Net Interest Income
3,118.79
3,310.40
3,298.74
3,185.11
2,491.04
2,183.19
2,030.36
Interest Earned
8,917.83
9,013.60
8,298.51
7,220.23
6,221.66
6,232.41
6,474.77
Interest Expended
5,799.04
5,703.20
4,999.77
4,035.12
3,730.62
4,049.22
4,444.41
Int. income Growth
-5.79%
0.35%
3.57%
27.86%
14.10%
7.53%
 
Other Income
1,402.91
1,269.57
1,318.97
992.58
953.88
1,404.20
1,261.63
Total Income
10,320.74
4,579.97
4,617.71
4,177.69
3,444.92
3,587.39
3,291.99
Total Expenditure
2,547.28
2,853.79
2,982.77
2,650.76
2,677.32
2,902.06
2,706.20
Employee Cost
-
1,550.21
1,381.76
1,073.46
1,016.20
913.31
897.00
% Of Sales
-
17.20%
16.65%
14.87%
16.33%
14.65%
13.85%
Opt. & Establishment Exp.
-
1,287.30
1,144.28
983.00
869.02
839.44
801.98
% Of Sales
-
14.28%
13.79%
13.61%
13.97%
13.47%
12.39%
Provisions
-
186.50
600.49
767.18
939.44
1,296.35
1,134.74
% Of Sales
-
2.07%
7.24%
10.63%
15.10%
20.80%
17.53%
EBITDA
1,974.42
1,726.18
1,634.94
1,526.93
767.60
685.33
585.79
EBITDA Margin
71.44%
52.14%
49.56%
47.94%
30.81%
31.39%
28.85%
Depreciation
0.00
85.11
71.88
86.44
73.67
73.52
63.76
PBT
1,658.35
1,641.08
1,563.07
1,440.48
693.93
611.82
522.03
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
Provision for Tax
347.60
368.23
256.45
260.80
185.94
129.36
90.25
Tax Rate
20.96%
22.44%
16.41%
18.11%
26.80%
21.14%
17.29%
PAT
1,310.75
1,272.85
1,306.62
1,179.68
507.99
482.46
431.78
PAT before Minority Interest
1,310.75
1,272.85
1,306.62
1,179.68
507.99
482.46
431.78
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
28.99%
27.79%
28.30%
28.24%
14.75%
13.45%
13.12%
PAT Growth
2.98%
-2.58%
10.76%
132.23%
5.29%
11.74%
 
EPS
34.66
33.66
34.55
31.19
13.43
12.76
11.42

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Shareholder's Funds
12,084.84
10,847.53
8,212.06
7,093.99
6,642.24
5,970.44
Share Capital
377.95
377.26
312.35
311.17
310.88
310.88
Total Reserves
11,705.35
10,469.31
7,899.66
6,782.77
6,331.36
5,659.56
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
Deposits
1,04,806.20
97,987.58
87,367.91
80,386.74
75,654.49
71,785.15
Borrowings
1,940.55
4,399.53
1,562.72
2,313.84
1,764.88
4,065.12
Other Liabilities & Provisions
2,128.87
2,848.62
1,914.43
1,788.77
1,553.33
1,492.77
Total Liabilities
1,20,960.46
1,16,083.26
99,057.12
91,583.34
85,614.94
83,313.48
Net Block
976.31
914.79
846.22
805.06
837.86
826.42
Gross Block
1,697.14
1,578.60
1,456.26
1,369.22
1,335.61
1,260.31
Accumulated Depreciation
720.83
663.81
610.04
564.15
497.75
433.89
Total Non-Current Assets
1,10,051.22
1,04,790.28
90,311.31
84,078.12
79,304.48
78,255.52
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
14.36
13.27
29.14
13.16
0.51
0.00
Cash and balance with RBI
7,525.73
7,716.61
5,204.23
3,957.22
4,866.15
2,756.05
Balance with banks and money at call
458.58
336.67
955.23
479.54
449.42
163.44
Investments
24,534.76
24,300.30
23,324.87
22,040.00
21,634.69
17,545.34
Advances
76,541.48
71,508.64
59,951.62
56,783.14
51,515.85
56,964.27
Other Assets
10,909.22
11,292.97
8,745.80
7,505.22
6,310.48
5,057.96
Total Assets
1,20,960.44
1,16,083.25
99,057.11
91,583.34
85,614.96
83,313.48
Contingent Liabilities
10,857.47
13,136.36
10,102.40
9,656.99
8,396.33
7,723.76
Bills for collection
2,353.97
2,581.43
2,773.08
2,485.73
2,378.63
2,315.38
Adjusted Book Value
306.51
274.13
246.57
213.23
198.70
176.93

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Cash From Operating Activity
209.55
680.84
1,829.69
-467.46
3,368.27
-89.60
PBT
1,272.85
1,306.62
1,179.68
507.99
482.46
431.78
Adjustment
728.41
914.65
1,400.49
1,319.16
1,717.37
1,365.51
Adjustments for Liabilities & Assets
-1,427.52
-1,140.71
-443.02
-2,055.56
1,502.76
-1,672.41
Refund/(Payment) of direct taxes
-364.19
-399.72
-307.46
-239.05
-334.31
-214.47
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-690.59
-369.30
-87.53
-56.43
-87.41
-56.05
Net Fixed Assets
-119.59
-106.41
-102.91
-46.18
-75.80
Other Investment Activity
-2080.50
-1679.14
-1541.63
-1469.70
-1392.16
Cash from Financing Activity
412.06
1,582.27
-19.45
-354.92
-884.78
-544.61
Closing Cash & Equivalent
7,984.32
8,053.29
6,159.47
4,436.76
5,315.57
2,919.49
Net Cash Inflow / Outflow
-68.97
1,893.82
1,722.71
-878.81
2,396.08
-690.26
Opening Cash & Equivalents
8,053.29
6,159.47
4,436.76
5,315.57
2,919.49
3,609.75

Financial Ratios

Standalone /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Book Value
306.51
274.13
246.57
213.23
198.70
176.93
NIM
3.04
3.18
3.56
2.99
2.78
2.62
Yield on Advances
11.78
11.60
12.04
10.96
12.10
11.37
Yield on Investments
6.31
6.21
6.18
6.17
8.17
8.89
Cost of Liabilities
5.34
4.88
4.54
4.51
5.23
5.86
Interest Spread
6.43
6.72
7.51
6.45
6.87
5.51
ROCE
12.35%
14.25%
17.61%
9.43%
8.79%
7.60%
Cost Income Ratio
60.10
53.15
47.16
52.59
46.81
49.67
Core Cost Income Ratio
61.23
54.49
45.39
51.83
54.99
56.55
Operating Costs to Assets
2.28
2.11
1.99
1.98
1.96
1.96
Loans/Deposits
0.02
0.04
0.02
0.03
0.02
0.06
Cash/Deposits
0.07
0.08
0.06
0.05
0.06
0.04
Investment/Deposits
0.23
0.25
0.27
0.27
0.29
0.24
Inc Loan/Deposits
1.85%
4.49%
1.79%
2.88%
2.33%
5.66%
Credit Deposits
73.03%
72.98%
68.62%
70.64%
68.09%
79.35%
Interest Expended / Interest earned
63.27%
60.25%
55.89%
59.96%
64.97%
68.64%
Interest income / Total funds
7.45%
7.15%
7.29%
6.79%
7.28%
7.77%
Interest Expended / Total funds
4.71%
4.31%
4.07%
4.07%
4.73%
5.33%
CASA
31.75%
31.94%
32.97%
32.97%
31.49%
28.91%

Annual Reports:

FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016

News Update:


  • Karnataka Bank enters into strategic partnership with Tobacco Board
    2nd Jun 2026, 16:58 PM

    The partnership aims to provide customized financial solutions to registered tobacco growers across Karnataka

    Read More
  • Karnataka Bank reports 62% jump in Q4FY26 consolidated net profit
    20th May 2026, 17:04 PM

    Consolidated total income of the bank decreased by 0.89% at Rs 2,656.18 crore for Q4FY26

    Read More
  • Karnataka Bank enters into strategic partnership with Pine Labs
    21st Apr 2026, 18:25 PM

    Through this partnership, the bank aims to strengthen digital payment options for its customers

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.