The Karnataka Bank Limited (KTKBANK)

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The Karnataka Bank Limited (KTKBANK) · mywealthgrid

About

The Karnataka Bank Limited is a private sector bank operating in India's financial sector. With a market capitalization of ₹11,710.96 Cr and quarterly revenues ranging from ₹2,179 Cr to ₹2,383 Cr, it operates at mid-sized scale. The bank reports consistent profitability with OPM of 69.09% and ROE of 10.36%.

Face value: ₹10

Market cap

₹12,163 Cr

P/E

8.5×

P/B

0.9×

Dividend yield

3.1%

ROE

10.4%

ROCE

6.1%

Debt / equity

0.4

OPM

69.1%

EPS (TTM)

₹38.0

Book value

₹349.7

52-week high

—

52-week low

Key insights

Company research notes and source-linked reviews

Key risks

Net profit declined to ₹290.78 Cr in Dec 2025 from ₹319.12 Cr in Sep 2025; verify whether seasonal patterns, credit provisions, or operational challenges drove this volatility.
ROE of 10.36% represents the return on shareholder capital; verify the bank's target hurdle rate and historical trend to determine if capital is deployed efficiently.
Stock has appreciated 78.32% in 1y and trades at ₹309.65, near 52w high of ₹313.7; PE of 8.15 may indicate either undervaluation or market concerns about future earnings—clarify which.
Interest rate sensitivity and credit risk are inherent to banks; verify NPA ratios, loan loss provisions, and rate sensitivity to assess earnings sustainability.

Generated analysis · source review pending

Growth drivers

Revenue grew 9.3% from ₹2,179.18 Cr (Sep 2025) to ₹2,382.65 Cr (Jun 2026), driven by advances or deposit mobilization in the bank's markets.
Net profit expanded 31% from ₹319.12 Cr (Sep 2025) to ₹418.95 Cr (Jun 2026) with EPS rising from ₹8.44 to ₹11.08, suggesting margin expansion or improved credit quality as loan book grew.
Operating margin stability at 66–70% across quarters indicates cost discipline can sustain profitability as advances scale.
D/E ratio of 0.4 provides headroom to lever the balance sheet for asset growth without material increase in financial risk.

Generated analysis · source review pending

2,528 historical price candles were omitted because the exchange source has not been verified.

₹321.6-0.8%1Y

Quick read

rule-based

Pros

+Healthy operating margin of 69.1%
+Profit CAGR of 22.1% over the last 5 years
+Dividend yield of 3.1%
+Dividend payout of 26.3% of profit

Cons

−Modest revenue growth of 7.4% a year over the last 5 years
−Weak interest coverage of 1.3×

Research score

Structured signal from quality, growth, valuation and momentum.

62/100

Business quality: 41
Growth: 44
Valuation

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Part ofNIFTY MICROCAP 250 NIFTY TOTAL MARKET

Screen this industry Compare top 5 side-by-side

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Idbi Bank LimitedIDBIIDBI	₹93,084 Cr	₹1,21,187 Cr	₹29,542 Cr	₹21,383 Cr	72.8%	₹9,343 Cr	31.8%	6.5%	14.2%	—
The Federal Bank LimitedFEDERALBNKFEDERALBNK	₹78,500 Cr	₹1,11,693 Cr	₹30,385 Cr	₹19,589 Cr	64.8%	₹4,692 Cr	15.1%	6.4%	11.4%	—
Idfc First Bank LimitedIDFCFIRSTBIDFCFIRSTB	₹69,254 Cr	₹1,05,886 Cr	₹41,958 Cr	₹14,462 Cr	35.6%	₹2,305 Cr	4%	6%	3.8%	—
Indusind Bank LimitedINDUSINDBKINDUSINDBK	₹69,094 Cr	₹1,11,884 Cr	₹45,297 Cr	₹22,203 Cr	49.3%	₹1,322 Cr	1.9%	5.7%	1.4%	—
Yes Bank LimitedYESBANKYESBANK	₹65,126 Cr	₹1,30,577 Cr	₹30,658 Cr	₹18,224 Cr	61.5%	₹3,775 Cr	11.6%	6%	7.1%	—
Rbl Bank LimitedRBLBANKRBLBANK	₹63,709 Cr	₹80,506 Cr	₹14,736 Cr	₹5,360 Cr	36.3%	₹899 Cr	6.1%	5.8%	5.4%	—
Bandhan Bank LimitedBANDHANBNKBANDHANBNK	₹28,355 Cr	₹42,658 Cr	₹21,844 Cr	₹10,127 Cr	46.9%	₹1,353 Cr	5.6%	6.4%	4.9%	—
Karur Vysya Bank LimitedKARURVYSYAKARURVYSYA	₹26,027 Cr	₹28,650 Cr	₹11,555 Cr	₹7,832 Cr	67.7%	₹2,745 Cr	22.7%	7.6%	19.3%	—
City Union Bank LimitedCUBCUB	₹17,092 Cr	₹22,419 Cr	₹7,249 Cr	₹4,979 Cr	69.6%	₹1,403 Cr	19.3%	6.7%	13.2%	—
The Jammu & Kashmir Bank LimitedJ&KBANKJ&KBANK	₹15,415 Cr	₹18,846 Cr	₹13,429 Cr	₹9,521 Cr	70.6%	₹2,301 Cr	17.9%	5.8%	15.3%	—
Tamilnad Mercantile Bank LimitedTMBTMB	₹13,813 Cr	₹14,513 Cr	₹6,096 Cr	₹4,458 Cr	74.1%	₹1,444 Cr	23%	7.5%	14%	—
The South Indian Bank LimitedSOUTHBANKSOUTHBANK	₹12,420 Cr	₹16,347 Cr	₹10,112 Cr	₹6,746 Cr	66.3%	₹1,511 Cr	14.8%	6.4%	13.5%	—

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Consolidated Standalone

Consolidated figures · ₹ crore

₹ Cr	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	6,475	6,232	6,222	7,220	8,299	9,014	8,918
Interest	4,444	4,049	3,731	4,035	5,000	5,703	5,799
Expenses	1,635	3,066	2,558	1,970	2,983	2,854	2,757
Financing profit	395	-883	-67	1,215	316	457	362
Financing margin %	6.1%	-14.2%	-1.1%	16.8%	3.8%	5.1%	4.1%
Other income	1,262	1,495	954	993	1,319	1,270	1,403
Depreciation	—	—	193	—	72	85	107
Profit before tax	—	612	694	—	1,563	1,641	1,658
Tax	—	129	186	—	256	368	348
Tax %	—	21.1%	26.8%	—	16.4%	22.4%	21%
PAT	432	482	508	1,180	1,307	1,273	1,311
EPS (₹)	13.9	15.5	16.4	37.9	39.8	33.7	34.7
EPS adjusted (₹)	13.9	15.5	16.3	37.8	34.6	33.7	34.7
	0%	11.6%	24.4%	13.2%	13.8%	14.8%	14.4%
Gross NPA %	—	4.9%	3.9%	—	3.5%	3.1%	2.8%
Net NPA %	—	3.2%	2.4%	—	1.6%	1.3%	1%
Annual report	Annual report for Mar 2020	Annual report for Mar 2021	Annual report for Mar 2022	Annual report for Mar 2023	Annual report for Mar 2024	Annual report for Mar 2025	—

₹ Cr	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity capital	311	311	311	312	377	378	378
Reserves	5,660	6,331	6,783	7,900	10,470	11,707	12,846
Deposits	71,785	75,654	80,387	87,368	98,057	1,04,806	1,08,777
Borrowings	4,065	1,765	2,314	1,563	4,400	1,941	5,329
Other liabilities	1,493	1,519	2,245	1,914	2,779	2,129	2,025
Total equity & liabilities	83,313	85,581	92,040	99,057	1,16,083	1,20,960	1,29,355
Fixed assets	826	838	818	875	915	991	1,060
Investments	17,545	21,635	22,040	23,325	24,300	24,535	26,737
	64,942	63,108	69,182	74,857	90,868	95,435	1,01,558
Total assets	83,313	85,581	92,040	99,057	1,16,083	1,20,960	1,29,355

₹ Cr	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-90	3,368	-467	1,830	483	210	1,100
	-56	-87	-56	-88	-111	-691	-88
	-545	-885	-355	-19	1,461	412	-1,260
Net cash flow	-690	2,396	-879	1,723	1,833	-69	-248
Free cash flow	-147	3,281	-524	1,741	371	47	1,011
CFO / Operating profit %	—	106.4%	-12.8%	—	9.1%	3.4%	17.9%

Segment results

As reported in NSE results XBRL. Segment result is before tax and finance costs. ROCE uses that annual result divided by segment assets less liabilities.

Source XBRL ↗

Latest reported period · 31 Mar 2026 · ₹ crore

Segment	Revenue	Result	Assets	Liabilities	Capital employed	ROCE %
Retail Banking	4,547.8	853.82	50,108.36	44,966.83	5,141.53	16.61
Corporate Banking	3,433.09	770.45

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Ratios

Annual operating, return, leverage and working-capital ratios.

Consolidated Standalone

Consolidated figures

Ratio	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
PAT margin %	6.7%	7.7%	8.2%	16.3%	15.8%	14.1%	14.7%
Return ratios
Return on assets %	0.5%	0.6%	0.6%	1.2%	1.1%	1.1%	1%
Return on capital employed %	1.5%	5.6%	5.1%	1.1%	6.2%	6.3%	6.1%
Return on equity %	7.2%	7.3%	7.2%	14.4%	12%	10.5%	9.9%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Margin, working-capital and leverage ratios are omitted: a bank funds itself with deposits and books interest as its cost of revenue, so they would measure something other than what they name.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoter	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	22.68%	19.03%	18.86%	14.72%	10.29%	11.22%	12.88%	15.66%	14.6%	11.7%	11.79%	13.1%
	8.61%	17.7%	23.05%	22.85%	22.05%	20.23%	18.16%	17.01%	16.11%	15.84%	16.16%	15.75%
Government	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	68.71%	63.27%	58.09%	62.43%	67.66%	68.55%	68.96%	67.33%	69.29%	72.46%	72.05%	71.15%
No. of shareholders	—	—	—	—	—	—	—	—	4,10,790	4,10,590	3,93,841	3,74,587

Promoter holding up 0 percentage points since Sep 2023.

45 deals · 15 Sept 2021 – 16 Dec 2025

Date	Client	Type	Venue	Side	Quantity	Price	Value
16 Dec 2025	GARDENS R R	Bulk	NSE	Sell	19,09,883	₹200.48	₹38.29 Cr
16 Dec 2025	B SUMANTHKUMAR REDDY	Bulk	NSE	Buy	19,09,883	₹200.52	₹38.30 Cr
3 Dec 2025	ADITYA KUMAR HALWASIYA	Bulk	NSE	Buy	21,25,000	₹205.60	₹43.69 Cr
3 Dec 2025	ADITYA KUMAR HALWASIYA	Bulk	NSE	Sell	25,000	₹205.70	₹0.51 Cr
25 Nov 2025	HRTI PRIVATE LIMITED	Bulk	NSE	Buy	34,00,599	₹209.35	₹71.19 Cr
25 Nov 2025	GRAVITON RESEARCH CAPITAL LLP	Bulk	NSE	Buy	23,76,598	₹208.81	₹49.63 Cr
25 Nov 2025	GRAVITON RESEARCH CAPITAL LLP	Bulk	NSE	Sell	23,76,598	₹209.02	₹49.68 Cr
25 Nov 2025	HRTI PRIVATE LIMITED	Bulk	NSE	Sell	22,20,377	₹211.54	₹46.97 Cr
24 Nov 2025	ADITYA KUMAR HALWASIYA	Bulk	NSE	Buy	45,00,000	₹198.87	₹89.49 Cr
24 Nov 2025	HRTI PRIVATE LIMITED	Bulk	NSE	Sell	24,81,885	₹199.22	₹49.44 Cr

1–10 of 45

1 / 5

Mr. PANJA PRADEEP KUMARNon-Executive - Independent Director-Chairperson
Mr. RAGHAVENDRA SRINIVAS BHATExecutive Director-CEO-MD
Mr. BALEBAIL RAJAGOPAL ASHOKNon-Executive - Non Independent Director
Mrs. UMA SHANKARNon-Executive - Independent Director
Mr. BALAKRISHNA SHETTWALLI ALSENon-Executive - Independent Director
Mr. JEEVANDAS NARAYANNon-Executive - Independent Director
Mr. KALMANJE GURURAJ ACHARYANon-Executive - Independent Director
Mr. HARISH HASSAN VISWESWARANon-Executive - Independent Director
Mrs. Biji Sreekrishnavilas SankaranarayananExecutive Director
Mr. Maira Aruna ShyamNon - Executive Independent Director
Mr. Raja B SChief Operating Officer

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F&O

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

Portfolio month

Schemes holding

across 6 fund houses

Held by these funds

1.1%

of the company's equity

All mutual funds

8.61%

shareholding pattern, Jun 2026

Portfolios as of

August 2026

compared with July 2026

10 schemes · 6 fund houses

		Shares
Multicap FundNEW	Axis Mutual Fund	17.5 L	58.64	0.49%	0.463%	—
(Investment Manager for Motilal Oswal Mutual Fund)	Motilal Oswal Mutual Fund	9.83 L	32.94	1.32%	0.26%	-21,518
Flexi Cap FundNEW	Capitalmind Mutual Fund	4.64 L	15.54	3.26%	0.123%	—
Value FundNEW	Axis Mutual Fund	4.49 L	15.03	0.8%	0.119%	—
ACTIVE MOMENTUM FUND	Samco Mutual Fund	4.16 L	13.94	1.85%	0.11%	+1.14 L
SMALL CAP FUND	Samco Mutual Fund	58,197	1.95	0.99%	0.015%	-0
MULTI CAP FUND	Samco Mutual Fund	41,116	1.38	0.6%	0.011%	-4,109
IB18-Groww Nifty Total Market Index Fund	Groww Mutual Fund	6,728	0.23	0.06%	0.002%	+31

1–8 of 10

1 / 2

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

Annual reports

Investor Presentation and earnings call

Jul 2026TranscriptAI SummaryPPT REC
May 2026Transcript AI Summary PPT

Documents link to external sources (exchange filings, company investor pages).

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Events

Upcoming dates and the company’s corporate-action history.

18

Final dividend15 Sept 2026 · ex-date₹5
Final dividend16 Sept 2025 · ex-date₹5
Final dividend3 Sept 2024 · ex-date₹5.5
Final dividend22 Aug 2023 · ex-date₹5
Final dividend18 Aug 2022 · ex-date₹4
Dividend dividend18 Aug 2021 · ex-date₹1.8
Final dividend29 Jul 2019 · ex-date₹3.5
Dividend dividend11 Jul 2018 · ex-date₹3
Dividend dividend6 Jul 2017 · ex-date₹4
Dividend dividend20 Jul 2016 · ex-date₹5
Dividend dividend8 Jul 2015 · ex-date₹5
Dividend dividend10 Jul 2014 · ex-date₹4
Dividend dividend26 Jun 2013 · ex-date₹4
Dividend dividend9 Aug 2012 · ex-date₹3.5
Dividend dividend8 Jul 2011 · ex-date₹3
Dividend dividend15 Jul 2010 · ex-date₹4
Dividend dividend23 Jul 2009 · ex-date₹6
Dividend dividend3 Jul 2008 · ex-date₹5

1

Board meeting to consider results29 Jul 2026

1

Bonus 1:1017 Mar 2020 · ex-date

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

52 announcementsExport CSV

1 Oct 2026, 3:26 pmCompany Update

Provisional Key Business Parameters As On 30.09.2026

General PDF

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Ratio	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Margins
PAT margin %	6.7%	7.7%	8.2%	16.3%	15.8%	14.1%	14.7%
Return ratios
Return on assets %	0.5%	0.6%	0.6%	1.2%	1.1%	1.1%	1%
Return on capital employed %	1.5%	5.6%	5.1%	1.1%	6.2%	6.3%	6.1%
Return on equity %	7.2%	7.3%	7.2%	14.4%	12%	10.5%	9.9%

Date	Category	Subject	Filing
1 Oct 2026, 3:26 pm	Company Update General	Provisional Key Business Parameters As On 30.09.2026	PDF
22 Sept 2026, 4:47 pm	Company Update General	Scrutinizer''s Report And Declaration Of Results Of The E-Voting Conducted Through Remote E-Voting In The 102Nd Annual General Meeting Of The Bank	PDF
22 Sept 2026, 4:07 pm	AGM/EGM AGM	Shareholder Meeting / Postal Ballot-Outcome of AGM	PDF
22 Sept 2026, 3:31 pm	Company Update Change in Directorate	Announcement under Regulation 30 (LODR)-Change in Directorate	PDF
22 Sept 2026, 3:16 pm	Company Update Appointment of Statutory Auditor/s	Announcement under Regulation 30 (LODR)-Appointment of Statutory Auditor/s	PDF
22 Sept 2026, 3:05 pm	AGM/EGM AGM	Shareholder Meeting / Postal Ballot-Scrutinizer''s Report	PDF
19 Sept 2026, 4:39 pm	Company Update Change in Management	Announcement under Regulation 30 (LODR)-Change in Management	PDF
11 Sept 2026, 6:30 pm	Company Update Analyst / Investor Meet	Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome	PDF

The Karnataka Bank Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Segment results

Ratios

Shareholding

F&O

Not in the F&O segment

Fund holders

Documents

Announcements

Annual reports

Investor Presentation and earnings call

Events

18

1

1

Announcements

18

1

1

Not in the F&O segment

Announcements

Annual reports

Investor Presentation and earnings call

Segment results

Compounded sales growth

Compounded profit growth

Return on equity

Corporate Banking · revenue

The Karnataka Bank Limited

About

Key insights

Key risks

Growth drivers

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Cash flow

Segment results

Ratios

Ratio timeline

Shareholding

Quarterly record

Bulk & block deals

Board and management

F&O

Not in the F&O segment

Fund holders

Documents

Announcements

Annual reports

Investor Presentation and earnings call

Events

Dividends18

Board meetings1

Bonus issues1

Announcements

Dividends18

Board meetings1

Bonus issues1

Ratio timeline

Not in the F&O segment

Announcements

Annual reports

Investor Presentation and earnings call

Quarterly record

Bulk & block deals

Board and management

Profit & loss

Balance sheet

Cash flow

Segment results

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

Corporate Banking · revenue

18

1

1

18

1

1