Karnataka Bank Ltd

KTKBANK

Watchlist

AI Mode

‌

Market Cap

₹ 7,565 Cr

P/E

6.59

‌

‌
‌

‌

‌
‌

Investment Checklist

How to read checklist?

Performance

STEADY PERFORMER

Valuation

UNDERVALUED

Growth

STABLE

Profitability

MODERATE MARGIN

Technicals

Bullish

Risk

LOW RISK

Investment Checklist

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

Price

PE Ratio

Price

‌

Overview

Detailed Summary

Karnataka Bank Limited is a premier private sector bank in India, providing a wide range of banking and financial services, including retail, corporate banking, treasury operations, and foreign exchange. Established in 1924 in Mangalore, the bank has a long-standing history and commitment to serving the banking needs of its region.

The bank is focusing on a 'RAM' strategy—Retail, Agri, and MSME (Micro, Small, and Medium Enterprises)—aimed at building a diversified and resilient portfolio. This strategic shift is away from low-yielding corporate loans towards more profitable segments.

Despite the competitive banking environment, Karnataka Bank has managed to maintain a stable asset quality with a reduction in Gross NPA to 3.33% by September 2025, reflecting disciplined credit management.

With technological investments, Karnataka Bank is enhancing its digital footprint, indicated by the increase in mobile app downloads and the expansion of digital services catering to evolving customer needs.

The bank is maintaining strong capital adequacy, closing with a CRAR of 20.84% as of September 2025, positioning itself well for future growth while focusing on cost efficiency and streamlining operations.

Sector

Banks

Industry

Banks - Private Sector

Market Cap

7,565 Cr

Volatility

Low Risk

P/E Ratio

6.6

Industry P/E

19.1

PEG Ratio

0.7

P/B Ratio

0.6

52W High

224.60

52W Low

162.20

Sales CAGR

8.62%

13.15%

6.84%

10Y

6.79%

Profit CAGR

-2.58%

35.75%

24.13%

10Y

13.25%

ROE

TTM

9.12%

12.07%

10.58%

10Y

9.67%

ROCE

TTM

6.20%

11.79%

11.69%

1Y Price Target

244.29 ▲ 23.04%

Q3 EPS Estimate

Q3 Revenue Estimate

Unlock Premium Features

Price, EPS and Revenue Projections

Strong SellSellHoldBuyStrong Buy

Buy

Strong Buy

Buy

Hold

Sell

Strong Sell

updated on

Nov 14, 2025

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
UJJIVANSFB	54.15	10,497 Cr	25.19	1.68	0.00	6.59	6.98	1.67
SOUTHBANK	39.88	10,437 Cr	7.68	0.98	1.00	12.76	5.85	1.00
TMB	513.30	8,128 Cr	6.69	0.86	0.01	12.86	6.93	1.88
KTKBANK	200.50	7,565 Cr	6.59	0.63	2.50	9.12	6.20	0.97
CSBBANK	395.80	6,872 Cr	11.06	1.52	0.00	13.21	6.67	1.49
EQUITASBNK	59.22	6,756 Cr	—	1.15	1.69	-1.56	5.76	0.30
DCBBANK	169.85	5,464 Cr	8.16	0.95	0.78	11.21	7.19	0.89

Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

AI Mode

Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	1,959	2,027	2,113	2,201	2,278	2,234	2,243	2,258	2,261	2,179
Expenses	689	670	758	938	664	674	743	858	757	651
Interest	1,144	1,204	1,285	1,367	1,375	1,401	1,450	1,478	1,506	1,451
Financing Profit	126	153	70	-104	239	159	50	-77	-1.79	77
Financing Margin %	6.42	7.53	3.31	-4.74	10.51	7.13	2.24	-3.43	-0.08	3.52
Other Income	324	250	326	419	279	270	299	422	358	343
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	450	402	396	315	518	429	349	344	357	420
Tax %	17.55	17.90	16.34	12.92	22.76	21.66	18.81	26.62	17.97	24.01
Net Profit	371	330	331	274	400	336	284	253	293	319
EPS in Rs	9.75	8.69	8.94	7.82	10.55	8.87	7.49	6.67	7.72	8.43
Gross NPA %	3.68	3.47	3.64	3.53	3.54	3.21	3.11	3.08	3.46	0.00
Net NPA %	1.43	1.36	1.55	1.58	1.66	1.46	1.39	1.31	1.44	0.00

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	6,475	6,232	6,222	7,220	8,299	9,014	8,997
Expenses	2,706	2,902	2,677	2,651	2,983	2,854	3,032
Interest	4,444	4,049	3,731	4,035	5,000	5,703	5,834
Financing Profit	-676	-719	-186	534	316	457	130
Financing Margin %	-10.44	-11.53	-2.99	7.40	3.81	5.07	1.45
Other Income	1,262	1,404	954	993	1,319	1,270	1,349
Depreciation	64	74	74	86	72	85	0.00
Profit Before Tax	522	612	694	1,440	1,563	1,641	1,479
Tax %	17.29	21.14	26.80	18.11	16.40	22.44	21.25
Net Profit	432	482	508	1,180	1,307	1,273	1,165
EPS in Rs	—	12.76	13.39	31.07	35.21	33.58	30.30
Dividend Payout %	0.00	11.63	24.59	13.28	13.86	14.87	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	311	311	311	312	377	378
Reserves	5,660	6,331	6,783	7,900	10,470	11,707
Borrowings	75,850	77,419	82,701	88,931	1,02,457	1,06,747
Other Liabilities	1,493	1,519	1,789	1,914	2,779	2,129
Total Liabilities	83,313	85,581	91,583	99,057	1,16,083	1,20,960
Fixed Assets	826	838	805	846	915	976
CWIP	0.00	0.00	13	29	0.00	14
Investments	17,545	21,635	22,040	23,325	24,300	24,535
Other Assets	64,942	63,108	68,725	74,857	90,868	95,435
Total Assets	83,313	85,581	91,583	99,057	1,16,083	1,20,960

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-90	3,368	-467	1,830	362	210
Cash from Investing Activity	-56	-87	-56	-88	-111	-691
Cash from Financing Activity	-545	-885	-355	-19	1,582	412
Net Cash Flow	-690	2,396	-879	1,723	1,833	-69

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2023	Sep 2023	Oct 2023	Dec 2023	Feb 2024	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
FIIs	21.03%	22.68%	20.40%	19.03%	18.89%	18.86%	14.72%	10.29%	11.22%	12.88%	15.66%	14.60%
DIIs	6.00%	8.61%	17.42%	17.70%	19.11%	23.05%	22.85%	22.05%	20.23%	18.16%	17.01%	16.11%
Public	72.96%	68.72%	62.18%	63.27%	62.00%	58.09%	62.42%	67.66%	68.55%	68.96%	67.34%	69.29%
Total Shareholders	2,42,125	2,59,521	2,62,268	2,67,637	2,77,163	3,00,872	3,43,797	3,56,774	3,74,588	3,99,569	4,04,405	4,10,790

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Dec 03, 2025	Aditya kumar halwasiya	Bulk	Buy	205.60	43.69 Cr	21,25,000	0.56
Dec 03, 2025	Aditya kumar halwasiya	Bulk	Sell	205.70	0.51 Cr	25,000	0.00
Nov 25, 2025	Hrti private limited	Bulk	Buy	209.35	71.19 Cr	34,00,599	0.89
Nov 25, 2025	Hrti private limited	Bulk	Sell	211.54	46.97 Cr	22,20,377	0.58
Nov 24, 2025	Hrti private limited	Bulk	Buy	199.47	37.47 Cr	18,78,459	0.49
Nov 24, 2025	Aditya kumar halwasiya	Bulk	Buy	198.87	89.49 Cr	45,00,000	1.19
Nov 24, 2025	Hrti private limited	Bulk	Sell	199.22	49.44 Cr	24,81,885	0.65
Nov 21, 2025	Aditya kumar halwasiya	Bulk	Buy	185.87	70.63 Cr	38,00,000	1.00
Nov 03, 2025	Mansi share and stock broking...	Bulk	Buy	178.68	29.73 Cr	16,63,901	0.44
Nov 03, 2025	F3 advisors private limited	Bulk	Buy	178.83	41.63 Cr	23,27,938	0.61

Projection

Unlock Premium Features

Get In-depth insights on EPS and Revenue forecasts

Actions

Action Type

‌
‌

Announcements

Last 7 days

Newest

Sentiment

Change in Directors/KMP

23 hours ago

Appointment of Chief Risk Officer

The Bank has appointed Mr. Manojkumar P.V. as the Chief Risk Officer effective January 1, 2026, for a term of three years.

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q1 FY25

Investor Presentation

Q4 FY24

Investor Presentation

Q3 FY24

Showing 1 - 8 of 24

AI Mode

Get instant AI-powered insights about company performance, financials, and strategy. Ask questions about trends, competition, and developments while receiving responses backed by official documents and market data, with clear attribution to source documents.

AI Mode

Overview

Detailed Summary

Sector

Banks

Industry

Banks - Private Sector

Market Cap

7,565 Cr

Volatility

Low Risk

P/E Ratio

6.6

Industry P/E

19.1

PEG Ratio

0.7

P/B Ratio

0.6

52W High

224.60

52W Low

162.20

Sales CAGR

8.62%

13.15%

6.84%

10Y

6.79%

Profit CAGR

-2.58%

35.75%

24.13%

10Y

13.25%

ROE

TTM

9.12%

12.07%

10.58%

10Y

9.67%

ROCE

TTM

6.20%

11.79%

11.69%

10Y

11.90%