The Karnataka Bank Limited KTKBANK NSEFINANCIAL

Financial Services · Banks - Regional · India

https://www.karnatakabank.bank.in

The Karnataka Bank Limited provides various banking and financial services in India. It operates through four segments: Treasury operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The Corporate/Wholesale Banking segment provides various fund and non-fund-based products, including term loans, working capital facilities, foreign exchange services, structured finance, as well as trade financing products, such as letters of credit, guarantees, and bill discounting. The Retail Banking segment offers home, automobile, personal, and education loans; loans against term deposits; loans against securities; and gold, small business, and agriculture loans to agriculture, MSME, housing, and education sectors. Its products include KBL Contractor Mitra, KBL Micro Mitra, KBL Export Mitra, KBL MSME, as well as KBL Mahila Udyog for financial support of women entrepreneurs. The Treasury segment engages in statutory reserves management, such as SLR and CRR; liquidity and treasury management; investment and trading activities; and foreign exchange activities. The Other Banking Operations segment offers a range of ancillary products and services, including collection of taxes, digital marketing initiatives, trade finance automation, doorstep gold loan, OMNI channel, corporate salary account, and enhanced whatsapp banking, as well as FASTag services. It also invests in sovereign debt instruments and other fixed income securities; mutual funds; certificates of deposits; floating rate instrument; forward contracts; and trades debt and equity securities. In addition, the company distributes insurance products. The Karnataka Bank Limited was incorporated in 1924 and is based in Mangalore, India.

Market & Price

Market Cap

₹10,186.32 Cr

Current Price

₹269.35

High / Low (52W)

₹274.40 / ₹165.22

Beta

0.33

Valuation

Stock P/E

7.78

Industry PE

19.12

Forward P/E

6.72

PEG Ratio

Book Value

₹349.84

Price to Book

0.77

P/S

3.18

EV/EBITDA

Dividend Yield

1.86%

Profitability & Returns

ROCE

ROE

10.36%

ROA

1.05%

Profit Margin

40.89%

Op Margin

45.57%

EPS (Latest Qtr)

₹10.78

EPS (TTM)

₹34.61

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

₹5,329.00 Cr

Total Assets

₹1.29 L Cr

Current Assets

Working Capital

Ownership

Promoter Holding

7.43%

Chg in Prom Hold

FII / Inst Holding

21.10%

Chg in FII Hold

Financial Snapshot

Enterprise Value

₹7,775.05 Cr

Total Revenue (TTM)

₹3,205.63 Cr

EBITDA

Free Cash Flow

Operating Cash Flow

₹-2,870.75 Cr

Shares Outstanding

₹37.82 Cr

Gross Margin

0.00%

Payout Ratio

14.45%

Growth (CAGR)

Revenue 5Y

2.67%

Profit 5Y

3.57%

Revenue (YoY)

-1.70%

Earnings (YoY)

61.50%

PROS

Excellent profit margin of 40.9%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP ₹	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	KTKBANK The Karnataka Bank Limited NSEFINANCIAL	269.35	7.78	₹10,186.32 Cr	1.86%	-	10.36%	2.67%	3.57%
2	HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL	744.55	16.61	₹11.46 L Cr	1.75%	-	13.82%	32.50%	20.39%
3	ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL	1,256.40	16.81	₹9.01 L Cr	0.88%	-	16.36%	19.65%	16.78%
4	SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU	964.40	10.58	₹8.90 L Cr	1.80%	-	15.48%	12.19%	14.39%
5	KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL	384.20	19.80	₹3.82 L Cr	0.13%	-	11.39%	14.58%	8.92%
6	LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU	411.35	9.06	₹2.60 L Cr	2.43%	-	42.36%	7.61%	16.86%
7	SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL	947.15	17.79	₹2.23 L Cr	1.46%	-	16.38%	15.48%	18.59%
8	SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL	1,830.10	74.06	₹1.84 L Cr	0.15%	-	13.70%	11.67%	12.81%
9	ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL	3,538.50	53.19	₹1.75 L Cr	0.70%	98.30%	85.80%	28.94%	29.58%

Quarterly Results

Figures in INR.

Metric	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	1,202.33 Cr	1,113.99 Cr	1,071.53 Cr	1,094.35 Cr	1,241.83 Cr
Cost of Revenue	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	827.02 Cr	646.61 Cr	631.40 Cr	642.57 Cr	626.70 Cr
Operating Income	-	-	-	-	-
EBITDA	-	-	-	-	-
Interest Expense	1,477.77 Cr	1,505.66 Cr	1,451.05 Cr	1,427.98 Cr	1,414.35 Cr
Pretax Income	344.25 Cr	356.58 Cr	420.08 Cr	356.93 Cr	524.76 Cr
Tax Provision	91.63 Cr	64.08 Cr	100.86 Cr	66.15 Cr	116.51 Cr
Net Income	252.62 Cr	292.50 Cr	319.22 Cr	290.78 Cr	408.25 Cr
Diluted EPS	6.67	7.72	8.43	7.68	10.78

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	-	4,177.99 Cr	4,625.57 Cr	4,579.97 Cr	4,521.70 Cr
Cost of Revenue	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	-	1,968.74 Cr	2,473.08 Cr	2,752.40 Cr	2,547.28 Cr
Operating Income	-	-	-	-	-
EBITDA	-	-	-	-	-
Interest Expense	-	4,035.12 Cr	4,999.77 Cr	5,703.20 Cr	5,799.04 Cr
Pretax Income	-	1,440.48 Cr	1,562.98 Cr	1,641.13 Cr	1,658.35 Cr
Tax Provision	-	260.80 Cr	256.45 Cr	368.28 Cr	347.60 Cr
Net Income	-	1,179.68 Cr	1,306.62 Cr	1,272.85 Cr	1,310.75 Cr
Diluted EPS	16.29	37.64	39.67	33.63	-

Compounded Sales Growth

5 Years:	2.67%
1 Year:	-1.70%

Compounded Profit Growth

5 Years:	3.57%
1 Year:	61.50%

Stock Price Performance

1 Year:	+41.09%
6 Months:	+24.94%
3 Months:	+32.74%
1 Month:	+0.28%

Balance Sheet (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Total Assets	-	99,057.12 Cr	1.16 L Cr	1.21 L Cr	1.29 L Cr
Current Assets	-	-	-	-	-
Cash & Equivalents	-	11,615.91 Cr	16,396.40 Cr	16,018.02 Cr	7,735.63 Cr
Inventory	-	-	-	-	-
Receivables	727.56 Cr	684.09 Cr	966.08 Cr	1,244.79 Cr	-
Total Liabilities	-	90,845.06 Cr	1.05 L Cr	1.09 L Cr	1.16 L Cr
Current Liabilities	-	-	-	-	-
Long Term Debt	-	-	-	-	-
Total Debt	-	1,562.72 Cr	2,400.64 Cr	1,940.55 Cr	5,329.00 Cr
Total Equity	-	8,212.06 Cr	10,847.53 Cr	12,084.84 Cr	13,224.22 Cr
Shares Outstanding	-	31.23 Cr	37.72 Cr	37.79 Cr	37.82 Cr

Cash Flows (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow	-	1,829.69 Cr	680.84 Cr	-320.59 Cr	1,100.10 Cr
Investing Cash Flow	-	-87.53 Cr	-369.30 Cr	-161.05 Cr	-87.82 Cr
Financing Cash Flow	-	-19.45 Cr	1,582.27 Cr	412.07 Cr	-1,260.36 Cr
Capital Expenditure	-	-88.81 Cr	-111.81 Cr	-162.71 Cr	-88.92 Cr
Free Cash Flow	-	1,740.88 Cr	569.03 Cr	-483.30 Cr	1,011.18 Cr
Net Change in Cash	-	1,722.71 Cr	1,893.82 Cr	-69.57 Cr	-248.08 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Gross Margin %	-	-	-	-	-
Operating Margin %	-	-	-	-	-
Net Margin %	-	28.2%	28.2%	27.8%	29.0%
ROE %	-	14.4%	12.0%	10.5%	9.9%
ROCE %	-	-	-	-	-

Shareholding Pattern

Insiders

7.43%

Institutions

21.10%

Public Float

22.80%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Vanguard International Stock Index-Total Intl Stock Indx	0.61%	22.89 L	₹61.65 Cr
2	Vanguard International Stock Index-Emerging Markets Stk	0.57%	21.59 L	₹58.17 Cr
3	DFA Emerging Markets Core Equity Portfolio	0.45%	16.92 L	₹45.57 Cr
4	WisdomTree Tr-WisdomTree India Earnings Fd	0.37%	13.99 L	₹37.69 Cr
5	iShares Core MSCI Emerging Markets ETF	0.37%	14.02 L	₹37.76 Cr
6	DFA Investment Dimensions-DFA Emerging Mkts Value	0.27%	10.19 L	₹27.46 Cr
7	Advisors Inner Circle Fund-Acadian Emerging Markets Port	0.19%	7.30 L	₹19.66 Cr
8	DFA Emerging Markets Small Cap Series	0.19%	7.16 L	₹19.29 Cr
9	Dimensional ETF Tr-Dimensional Emerging Markets Core Equity 2 ETF	0.18%	6.73 L	₹18.14 Cr
10	WisdomTree Tr-WisdomTree Emerging Markets Small Cap Dividend Fund	0.16%	6.12 L	₹16.47 Cr

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KTKBANK · Financial Services