The Karnataka Bank Limited KTKBANK NSEFINANCIAL
Company Overview
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.
Why Investors Should Care
Trades at a P/E of 8.2, below the sector median of 19.8.
Maintains a net profit margin of 29.0%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Mar 2026 Revenue of ₹4,521.70 Cr (-1.3% YoY); net profit ₹1,310.75 Cr.
- Trailing 12 Months Year-on-year growth — revenue -1.3%, earnings +3.0%.
- 5-Year Trend Long-term compounding — revenue CAGR 2.7%, profit CAGR 3.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 2.67% |
| 1 Year: | -1.27% |
Compounded Profit Growth
| 5 Years: | 3.57% |
| 1 Year: | 2.98% |
Stock Price Performance
| 1 Year: | +49.27% |
| 6 Months: | +47.97% |
| 3 Months: | +12.69% |
| 1 Month: | +1.80% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)59.38 · Neutral
P/E of 8.25 is below the sector median of 19.81 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 29.0%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 277.60 | 8.25 | ₹10,498.32 Cr | 1.81% | - | 9.91% | 2.67% | 3.57% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 815.55 | 16.51 | ₹12.48 L Cr | 1.58% | - | 13.62% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.10 | 19.03 | ₹10.19 L Cr | 0.86% | - | 14.93% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,031.00 | 11.31 | ₹9.52 L Cr | 1.67% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,032.90 | 33.85 | ₹6.43 L Cr | 0.53% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 443.80 | 9.77 | ₹5.61 L Cr | 2.26% | - | 32.53% | 7.26% | 16.86% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,340.20 | 15.86 | ₹4.17 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 8 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 381.30 | 19.66 | ₹3.79 L Cr | 0.17% | - | 10.64% | 13.48% | 8.92% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,887.10 | 34.31 | ₹3.02 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,969.00 Cr | 1,959.00 Cr | 2,027.00 Cr | 2,113.00 Cr | 2,201.00 Cr | 2,278.00 Cr | 2,234.00 Cr | 2,243.00 Cr | 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 | 823.00 Cr | 689.00 Cr | 670.00 Cr | 758.00 Cr | 938.00 Cr | 664.00 Cr | 674.00 Cr | 743.00 Cr | 827.02 Cr | 646.61 Cr | 631.40 Cr | 642.57 Cr | 626.70 Cr |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | 1,109.00 Cr | 1,144.00 Cr | 1,204.00 Cr | 1,285.00 Cr | 1,367.00 Cr | 1,375.00 Cr | 1,401.00 Cr | 1,450.00 Cr | 1,477.77 Cr | 1,505.66 Cr | 1,451.05 Cr | 1,427.98 Cr | 1,414.35 Cr |
| Pretax Income | 432.00 Cr | 450.00 Cr | 402.00 Cr | 396.00 Cr | 315.00 Cr | 518.00 Cr | 429.00 Cr | 349.00 Cr | 344.25 Cr | 356.58 Cr | 420.08 Cr | 356.93 Cr | 524.76 Cr |
| Tax Provision | 77.76 Cr | 81.00 Cr | 72.36 Cr | 63.36 Cr | 40.95 Cr | 119.14 Cr | 94.38 Cr | 66.31 Cr | 91.63 Cr | 64.08 Cr | 100.86 Cr | 66.15 Cr | 116.51 Cr |
| Net Income | 354.00 Cr | 371.00 Cr | 330.00 Cr | 331.00 Cr | 274.00 Cr | 400.00 Cr | 336.00 Cr | 284.00 Cr | 252.62 Cr | 292.50 Cr | 319.22 Cr | 290.78 Cr | 408.25 Cr |
| Diluted EPS | 11.32 | 11.87 | 10.56 | 9.55 | 7.27 | 10.61 | 8.90 | 7.50 | 6.67 | 7.72 | 8.43 | 7.68 | 10.78 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | 6,475.00 Cr | 6,232.00 Cr | - | 4,177.99 Cr | 4,625.57 Cr | 4,579.97 Cr | 4,521.70 Cr |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | 2,706.00 Cr | 2,993.00 Cr | - | 1,968.74 Cr | 2,473.08 Cr | 2,752.40 Cr | 2,547.28 Cr |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | 4,444.00 Cr | 4,049.00 Cr | - | 4,035.12 Cr | 4,999.77 Cr | 5,703.20 Cr | 5,799.04 Cr |
| Pretax Income | 522.00 Cr | 612.00 Cr | - | 1,440.48 Cr | 1,562.98 Cr | 1,641.13 Cr | 1,658.35 Cr |
| Tax Provision | 88.74 Cr | 128.52 Cr | - | 260.80 Cr | 256.45 Cr | 368.28 Cr | 347.60 Cr |
| Net Income | 432.00 Cr | 482.00 Cr | - | 1,179.68 Cr | 1,306.62 Cr | 1,272.85 Cr | 1,310.75 Cr |
| Diluted EPS | 13.89 | 15.52 | 16.29 | 37.64 | 39.67 | 33.63 | - |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Total Assets | 83,313.00 Cr | 85,581.00 Cr | - | 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 | 5,971.00 Cr | 6,642.00 Cr | - | 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 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -90.00 Cr | 3,368.00 Cr | - | 1,829.69 Cr | 680.84 Cr | -320.59 Cr | 1,100.10 Cr |
| Investing Cash Flow | -56.00 Cr | -87.00 Cr | - | -87.53 Cr | -369.30 Cr | -161.05 Cr | -87.82 Cr |
| Financing Cash Flow | -545.00 Cr | -885.00 Cr | - | -19.45 Cr | 1,582.27 Cr | 412.07 Cr | -1,260.36 Cr |
| Capital Expenditure | -56.00 Cr | -87.00 Cr | - | -88.81 Cr | -111.81 Cr | -162.71 Cr | -88.92 Cr |
| Free Cash Flow | -146.00 Cr | 3,281.00 Cr | - | 1,740.88 Cr | 569.03 Cr | -483.30 Cr | 1,011.18 Cr |
| Net Change in Cash | -690.00 Cr | 2,396.00 Cr | - | 1,722.71 Cr | 1,893.82 Cr | -69.57 Cr | -248.08 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - |
| Net Margin % | 6.7% | 7.7% | - | 28.2% | 28.2% | 27.8% | 29.0% |
| ROE % | 7.2% | 7.3% | - | 14.4% | 12.0% | 10.5% | 9.9% |
| ROCE % | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Vanguard International Stock Index-Total Intl Stock Indx | 0.61% | 22.89 L | ₹63.84 Cr |
| 2 | Vanguard International Stock Index-Emerging Markets Stk | 0.57% | 21.59 L | ₹60.24 Cr |
| 3 | DFA Emerging Markets Core Equity Portfolio | 0.45% | 16.92 L | ₹47.19 Cr |
| 4 | WisdomTree Tr-WisdomTree India Earnings Fd | 0.37% | 13.99 L | ₹39.03 Cr |
| 5 | iShares Core MSCI Emerging Markets ETF | 0.37% | 14.02 L | ₹39.10 Cr |
| 6 | DFA Investment Dimensions-DFA Emerging Mkts Value | 0.27% | 10.19 L | ₹28.44 Cr |
| 7 | Advisors Inner Circle Fund-Acadian Emerging Markets Port | 0.19% | 7.30 L | ₹20.36 Cr |
| 8 | DFA Emerging Markets Small Cap Series | 0.19% | 7.16 L | ₹19.98 Cr |
| 9 | Dimensional ETF Tr-Dimensional Emerging Markets Core Equity 2 ETF | 0.18% | 6.73 L | ₹18.78 Cr |
| 10 | WisdomTree Tr-WisdomTree Emerging Markets Small Cap Dividend Fund | 0.16% | 6.12 L | ₹17.06 Cr |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for KTKBANK
Karnataka Bank's (NSE:KTKBANK) five-year earnings growth trails the enviable shareholder returns - simplywall.st
<a href="https://news.google.com/rss/articles/CBMi1AFBVV95cUxON2l5enpnanZ1QUVFZ0tkVzVqdnB2OUU5VjNLUXp2YkhfNDZHcVJGbmN2QjNhTmZFak1aa1NxSkFPMnlLRF9BMkVGQjZhYmhIMnhHVEhJa2ZuVXVrRkpXMWtuQURmWmxHUThRSk1rNHBTNlNXNG16cmE0Z1N6MUZjN2hlaUZCQjlwaVJfeE…
Block deals impact: Karnataka Bank shares jump 11%, Apex Frozen hits 20% upper circuit - TradingView
<a href="https://news.google.com/rss/articles/CBMi3gFBVV95cUxOT2lDMWlKc29JVjRmNm9XaFlUMFFmM3hhZnVNd1hTRFV2VXlwNmFsLWNoN0ZPU2JpVzg4Nzd2c2JiX2xleDBRMVJla1hlN3dRMXFWd0dkczNFVTZxQ0xGLWZHUFVpbWlCMmZuOXlFdmQ3MU92aFpTM0JNUUVWaW1aVXMzOTByeHRjZVNKZ2…
Karnataka Bank Ltd. Share Price Today - Karnataka Bank Ltd. Stock Price Live NSE/BSE - CNBC TV18
<a href="https://news.google.com/rss/articles/CBMigAFBVV95cUxOUGJwYlFYQXhOWE5LQjdvYldjVkZtXzJHWER3MlQ2WnRUbHhYd3Zub0t4bEk5YTNLQjl3TGV2VXVZdHBnNl9IR2tiQWhtM2U3Szg0SjJBWGE0TlNaWkZJMVpGb0RoRVlPbTY1NFdlUGJ3cWZfVlQyM1BhUHRlNEdZNw?oc=5" target="_…
Karnataka Bank Share Price Jumps 5% After Aditya Halwasiya Block Deal - HDFC Sky
<a href="https://news.google.com/rss/articles/CBMipgFBVV95cUxQeS1jeWlKXzBJT05QRzFOUVBlYTNOREE0ZHN4Q0o2Q2FjdGlYZGtJYzRmeE50aVQ4TEZ6U19jSjFTVTRaQ19BOTRuZnVndFJkMEtjRHJvNDlUTTFLVHNFdTNiWXBMWFFXZWNTWmQyUEJXdmtjWlM4TXZMakVTZWY2WFktM2daRFpoZkQ2bD…
Karnataka Bank's (NSE:KTKBANK) Dividend Is Being Reduced To ₹5.00 - simplywall.st
<a href="https://news.google.com/rss/articles/CBMi0gFBVV95cUxPY2JPTV9hTzNBZklDTWJpQlNPamk4bVcyX3NvMWE3dVAydkkteWxnUDYzS2ItdWNBaWJIV2pReDBmTTlKX25LbkozVEFnczEwR1V1ZXZYeHBfanZodjRkUTRWSGRzYlNXaXNsLTc5ZmtwVVFNYms3eGpjTjVjZXc5YUQzM0FZX0dSclc2OX…
Karnataka Bank Authorizes Key Managerial Personnel for Materiality Determination Under SEBI Regulations - scanx.trade
<a href="https://news.google.com/rss/articles/CBMi8gFBVV95cUxNdGVCMzVwdTQ4Yko5WS0wcjMtQ00xbGFGLVI1RklPNVNGRW9YaU1wU1JEWEJxb1ZRcmNfYWplWmZnV0k3TFRGUVRRak9QX09HcDhnQjl2ZVV3WmNOaUVucldVWkQ0ZHc0eFJiRS1paUgtR3VqYXRyY2dQRWFnWjhHTTdPcUMyVHBtSGt4NX…
KTKBANK — Frequently Asked Questions
What is the current share price of The Karnataka Bank Limited (KTKBANK)?
As of 2026-07-15 09:52 IST, The Karnataka Bank Limited (KTKBANK) trades at ₹277.60 on NSE. Its 52-week range is ₹165.22 to ₹279.05.
What is the market capitalisation of KTKBANK?
The Karnataka Bank Limited (KTKBANK) has a market capitalisation of ₹10,498.32 Cr on NSE.
What is the P/E ratio of KTKBANK?
KTKBANK trades at a trailing price-to-earnings (P/E) ratio of 8.25. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 0.80.
Does KTKBANK pay a dividend?
The Karnataka Bank Limited (KTKBANK) currently offers a dividend yield of 1.81%.
What is the return on equity (ROE) of KTKBANK?
KTKBANK has a return on equity (ROE) of 9.91%.
Is KTKBANK a good stock to buy?
This page provides a data-driven analysis of The Karnataka Bank Limited (KTKBANK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.