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The Karnataka Bank Ltd.

Bank - Private

Rating :
68/99

BSE: 532652 | NSE: KTKBANK

NSE BSE
330.90
01-Sep-2026
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  335.15
  •  338.7
  •  329.1
  •  335.15
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  1561768
  •  520544106.05
  •  342.5
  •  170

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 12,509.40
  • 8.70
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 10,774.90
  • 1.51%
  • 0.96

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 0.00%
  • 8.12%
  • 57.48%
  • FII
  • DII
  • Others
  • 13.1%
  • 14.53%
  • 6.77%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 5.65
  • 6.08

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 11.23
  • 20.84
  • 0.91

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 20.87
  • 0.11

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.65
  • 5.65
  • 6.08

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.63
  • 0.63
  • 0.74

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.30
  • 1.32
  • 1.92

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 26
Jun 25
Var%
Mar 26
Mar 25
Var%
Dec 25
Dec 24
Var%
Sep 25
Sep 24
Var%
Interest Earned
2,382.65
2,261.28
5.37%
2,257.32
2,258.46
-0.05%
2,220.05
2,243.02
-1.02%
2,179.18
2,234.13
-2.46%
Interest Exp.
1,444.34
1,505.66
-4.07%
1,414.35
1,477.77
-4.29%
1,427.98
1,450.23
-1.53%
1,451.05
1,400.57
3.60%
Net Interest Income
938.31
755.62
24.18%
842.97
780.69
7.98%
792.07
792.79
-0.09%
728.13
833.56
-12.65%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
355.48
358.37
-0.81%
398.86
421.64
-5.40%
302.28
299.00
1.10%
343.40
269.92
27.22%
Total Income
2,738.13
2,619.65
4.52%
2,656.18
2,680.10
-0.89%
2,522.33
2,542.02
-0.77%
2,522.58
2,504.05
0.74%
Operating Exp.
713.26
646.61
10.31%
626.70
827.02
-24.22%
642.57
658.75
-2.46%
631.40
642.92
-1.79%
Operating Profit
580.53
467.38
24.21%
615.13
375.31
63.90%
451.78
433.04
4.33%
440.13
460.56
-4.44%
Provision
28.70
110.80
-74.10%
90.37
31.06
190.95%
94.85
83.79
13.20%
20.05
31.33
-36.00%
PBT
551.83
356.58
54.76%
524.76
344.25
52.44%
356.93
349.25
2.20%
420.08
429.23
-2.13%
PBTM
23.16
15.77
46.86%
23.25
15.24
52.56%
16.08
15.57
3.28%
19.28
19.21
0.36%
TAX
132.71
64.08
107.10%
116.51
91.63
27.15%
66.15
65.70
0.68%
100.86
92.99
8.46%
PAT
419.12
292.50
43.29%
408.25
252.62
61.61%
290.78
283.55
2.55%
319.22
336.24
-5.06%
PATM
17.59%
12.94%
18.09%
11.19%
13.10%
12.64%
14.65%
15.05%
EPS
11.08
7.73
43.34%
10.79
6.68
61.53%
7.69
7.50
2.53%
8.44
8.89
-5.06%
Gross NPA
2,233.25
2,571.09
-13.14%
2,320.93
2,402.08
-3.38%
2,565.31
2,419.06
6.05%
2,453.10
2,414.92
1.58%
Gross NPA%
2.58
3.46
-25.43%
2.78
3.08
-9.74%
3.32
3.11
6.75%
3.33
3.21
3.74%
Net NPA
736.38
1,049.53
-29.84%
803.22
1,004.55
-20.04%
994.70
1,063.57
-6.48%
975.96
1,083.08
-9.89%
Net NPA%
0.87
1.44
-39.58%
0.98
1.31
-25.19%
1.31
1.39
-5.76%
1.35
1.46
-7.53%
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 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Net Interest Income
3,301.48
3,118.79
3,310.40
3,298.74
3,185.11
2,491.04
2,183.19
2,030.36
Interest Earned
9,039.20
8,917.83
9,013.60
8,298.51
7,220.23
6,221.66
6,232.41
6,474.77
Interest Expended
5,737.72
5,799.04
5,703.20
4,999.77
4,035.12
3,730.62
4,049.22
4,444.41
Int. income Growth
4.39%
-5.79%
0.35%
3.57%
27.86%
14.10%
7.53%
 
Other Income
1,400.02
1,402.91
1,269.57
1,318.97
992.58
953.88
1,404.20
1,261.63
Total Income
10,439.22
4,521.70
4,579.97
4,617.71
4,177.69
3,444.92
3,587.39
3,291.99
Total Expenditure
2,613.93
2,756.83
2,853.79
2,982.77
2,650.76
2,677.32
2,902.06
2,706.20
Employee Cost
-
1,308.43
1,550.21
1,381.76
1,073.46
1,016.20
913.31
897.00
% Of Sales
-
14.67%
17.20%
16.65%
14.87%
16.33%
14.65%
13.85%
Opt. & Establishment Exp.
-
1,345.37
1,287.30
1,144.28
983.00
869.02
839.44
801.98
% Of Sales
-
15.09%
14.28%
13.79%
13.61%
13.97%
13.47%
12.39%
Provisions
-
316.07
186.50
600.49
767.18
939.44
1,296.35
1,134.74
% Of Sales
-
3.54%
2.07%
7.24%
10.63%
15.10%
20.80%
17.53%
EBITDA
2,087.57
1,764.87
1,726.18
1,634.94
1,526.93
767.60
685.33
585.79
EBITDA Margin
71.08%
56.59%
52.14%
49.56%
47.94%
30.81%
31.39%
28.85%
Depreciation
0.00
106.52
85.11
71.88
86.44
73.67
73.52
63.76
PBT
1,853.60
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
0.00
Provision for Tax
416.23
347.60
368.23
256.45
260.80
185.94
129.36
90.25
Tax Rate
22.46%
20.96%
22.44%
16.41%
18.11%
26.80%
21.14%
17.29%
PAT
1,437.37
1,310.75
1,272.85
1,306.62
1,179.68
507.99
482.46
431.78
PAT before Minority Interest
1,437.37
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
0.00
PAT Margin
30.57%
28.99%
27.79%
28.30%
28.24%
14.75%
13.45%
13.12%
PAT Growth
23.39%
2.98%
-2.58%
10.76%
132.23%
5.29%
11.74%
 
EPS
38.01
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 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Shareholder's Funds
13,224.22
12,084.84
10,847.53
8,212.06
7,093.99
6,642.24
5,970.44
Share Capital
378.19
377.95
377.26
312.35
311.17
310.88
310.88
Total Reserves
12,844.72
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
0.00
Deposits
1,08,777.07
1,04,806.20
97,987.58
87,367.91
80,386.74
75,654.49
71,785.15
Borrowings
5,329.00
1,940.55
4,399.53
1,562.72
2,313.84
1,764.88
4,065.12
Other Liabilities & Provisions
2,024.92
2,128.27
2,848.62
1,914.43
1,788.77
1,553.33
1,492.77
Total Liabilities
1,29,355.21
1,20,959.86
1,16,083.26
99,057.12
91,583.34
85,614.94
83,313.48
Net Block
1,051.54
976.31
914.79
846.22
805.06
837.86
826.42
Gross Block
1,851.78
1,693.19
1,578.60
1,456.26
1,369.22
1,335.61
1,260.31
Accumulated Depreciation
800.24
716.89
663.81
610.04
564.15
497.75
433.89
Total Non-Current Assets
1,17,342.47
1,10,050.62
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
0.00
Capital Work in Progress
8.62
14.36
13.27
29.14
13.16
0.51
0.00
Cash and balance with RBI
7,063.49
7,525.13
7,716.61
5,204.23
3,957.22
4,866.15
2,756.05
Balance with banks and money at call
672.14
458.58
336.67
955.23
479.54
449.42
163.44
Investments
26,737.05
24,534.76
24,300.30
23,324.87
22,040.00
21,634.69
17,545.34
Advances
81,809.63
76,541.48
71,508.64
59,951.62
56,783.14
51,515.85
56,964.27
Other Assets
12,012.73
10,909.22
11,292.97
8,745.80
7,505.22
6,310.48
5,057.96
Total Assets
1,29,355.20
1,20,959.84
1,16,083.25
99,057.11
91,583.34
85,614.96
83,313.48
Contingent Liabilities
10,604.83
10,857.47
13,136.36
10,102.40
9,656.99
8,396.33
7,723.76
Bills for collection
2,542.82
2,353.97
2,581.43
2,773.08
2,485.73
2,378.63
2,315.38
Adjusted Book Value
334.30
306.51
274.13
246.57
213.23
198.70
176.93

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Cash From Operating Activity
1,100.10
-320.59
680.84
1,829.69
-467.46
3,368.27
-89.60
PBT
1,310.75
1,272.85
1,306.62
1,179.68
507.99
482.46
431.78
Adjustment
875.77
728.41
914.65
1,400.49
1,319.16
1,717.37
1,365.51
Adjustments for Liabilities & Assets
-632.90
-1,957.66
-1,140.71
-443.02
-2,055.56
1,502.76
-1,672.41
Refund/(Payment) of direct taxes
-453.52
-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
0.00
Cash From Investing Activity
-87.82
-161.04
-369.30
-87.53
-56.43
-87.41
-56.05
Net Fixed Assets
-152.83
-115.65
-106.41
-102.91
-46.18
-75.80
Other Investment Activity
-2021.13
-2076.56
-1679.14
-1541.63
-1469.70
-1392.16
Cash from Financing Activity
-1,260.36
412.06
1,582.27
-19.45
-354.92
-884.78
-544.61
Closing Cash & Equivalent
7,735.63
7,983.72
8,053.29
6,159.47
4,436.76
5,315.57
2,919.49
Net Cash Inflow / Outflow
-248.08
-69.57
1,893.82
1,722.71
-878.81
2,396.08
-690.26
Opening Cash & Equivalents
7,983.72
8,053.29
6,159.47
4,436.76
5,315.57
2,919.49
3,609.75

Financial Ratios

Standalone /

Consolidated
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Book Value
334.30
306.51
274.13
246.57
213.23
198.70
176.93
NIM
2.68
3.04
3.18
3.56
2.99
2.78
2.62
Yield on Advances
10.90
11.78
11.60
12.04
10.96
12.10
11.37
Yield on Investments
6.67
6.31
6.21
6.18
6.17
8.17
8.89
Cost of Liabilities
5.08
5.34
4.88
4.54
4.51
5.23
5.86
Interest Spread
5.82
6.43
6.72
7.51
6.45
6.87
5.51
ROCE
11.02%
12.35%
14.25%
17.61%
9.43%
8.79%
7.60%
Cost Income Ratio
56.33
60.10
53.15
47.16
52.59
46.81
49.67
Core Cost Income Ratio
57.95
61.23
54.49
45.39
51.83
54.99
56.55
Operating Costs to Assets
1.97
2.28
2.11
1.99
1.98
1.96
1.96
Loans/Deposits
0.05
0.02
0.04
0.02
0.03
0.02
0.06
Cash/Deposits
0.06
0.07
0.08
0.06
0.05
0.06
0.04
Investment/Deposits
0.25
0.23
0.25
0.27
0.27
0.29
0.24
Inc Loan/Deposits
4.90%
1.85%
4.49%
1.79%
2.88%
2.33%
5.66%
Credit Deposits
75.21%
73.03%
72.98%
68.62%
70.64%
68.09%
79.35%
Interest Expended / Interest earned
65.03%
63.27%
60.25%
55.89%
59.96%
64.97%
68.64%
Interest income / Total funds
6.89%
7.45%
7.15%
7.29%
6.79%
7.28%
7.77%
Interest Expended / Total funds
4.48%
4.71%
4.31%
4.07%
4.07%
4.73%
5.33%
CASA
33.61%
31.75%
31.94%
32.97%
32.97%
31.49%
28.91%

Annual Reports:

FY 2026
FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017

News Update:


  • Karnataka Bank launches Capital Gains Account Scheme
    28th Aug 2026, 16:58 PM

    CGAS is designed for taxpayers who have earned capital gains from transfer of eligible capital assets but are unable to complete prescribed reinvestment within stipulated timeframe

    Read More
  • Karnataka Bank empaneled as arranger for HUDCO Capital Gain Bonds
    20th Aug 2026, 09:44 AM

    The Bank customers can conveniently subscribe to HUDCO Capital Gain Bonds across the Bank's extensive branch network, backed by dedicated relationship management and seamless customer service

    Read More
  • Karnataka Bank launches KBL Finsurance
    3rd Aug 2026, 12:30 PM

    The project launch marks a significant milestone in the Bank's digital transformation journey

    Read More
  • Karnataka Bank - Quarterly Results
    30th Jul 2026, 00:00 AM

    Read More
  • 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

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.