KTKBANK

The Karnataka Bank Limited

Private-sector scheduled commercial bank offering retail, agriculture and corporate banking services

Financial Services›Financial Services›Banks›Private Sector Bank

karnatakabank.bank.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹329.85
Market cap
12,477 Cr
Stock P/E
8.7
P/B
0.94
Dividend yield
1.5%
ROE (FY26)
10.4%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Karnataka Bank is an Indian private-sector bank that takes deposits and lends to retail customers, farmers, small and medium businesses and mid-sized companies, with a stated focus on growing retail, agriculture and MSME (micro, small and medium enterprise) lending, which it calls "RAM".

Company snapshot

17thBy market cap

Ranked among 20 companies in Private Sector Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 44.4% of revenue

SegmentRevenue shareRevenuePBTAssets
Corporate Banking
35.6%
2,706 Cr511 Cr—
Other Banking Operations
2.8%
215 Cr43 Cr—
Retail Banking
44.4%
3,371 Cr738 Cr—
Treasury Operations
15.7%
1,194 Cr111 Cr—
Unallocated
1.5%
110 Cr-106 Cr—

Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income822 Cr828 Cr834 Cr903 Cr834 Cr793 Cr781 Cr756 Cr728 Cr792 Cr843 Cr938 Cr
Other income250 Cr326 Cr419 Cr279 Cr270 Cr299 Cr422 Cr358 Cr343 Cr302 Cr399 Cr355 Cr
Net operating income1,072 Cr1,154 Cr1,253 Cr1,182 Cr1,103 Cr1,092 Cr1,202 Cr1,114 Cr1,072 Cr1,094 Cr1,242 Cr1,294 Cr
Employee cost309 Cr339 Cr440 Cr323 Cr353 Cr346 Cr528 Cr344 Cr319 Cr363 Cr282 Cr411 Cr
Other expenses241 Cr274 Cr314 Cr301 Cr290 Cr313 Cr299 Cr303 Cr312 Cr279 Cr344 Cr302 Cr
Provisions & contingencies120 Cr144 Cr185 Cr40 Cr31 Cr84 Cr31 Cr111 Cr20 Cr95 Cr90 Cr29 Cr
Depreciation————————————
Profit before tax402 Cr396 Cr315 Cr518 Cr429 Cr349 Cr344 Cr357 Cr420 Cr357 Cr525 Cr552 Cr
Tax %17.9%16.3%12.9%22.8%21.7%18.8%26.6%18.0%24.0%18.5%22.2%24.0%
Net profit330 Cr331 Cr274 Cr400 Cr336 Cr284 Cr253 Cr293 Cr319 Cr291 Cr408 Cr419 Cr
EPS (₹)₹10.56₹9.79₹7.88₹10.61₹8.90₹7.51₹6.68₹7.74₹8.44₹7.69₹10.80₹11.08

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income2,183 Cr2,491 Cr3,185 Cr3,299 Cr3,310 Cr3,119 CrSign in free for the trailing twelve months
Other income1,495 Cr954 Cr993 Cr1,319 Cr1,270 Cr1,403 CrSign in free for the trailing twelve months
Net operating income3,678 Cr3,445 Cr4,178 Cr4,618 Cr4,580 Cr4,522 CrSign in free for the trailing twelve months
Employee cost913 Cr1,016 Cr1,073 Cr1,382 Cr1,550 Cr1,308 CrSign in free for the trailing twelve months
Other expenses766 Cr795 Cr897 Cr1,072 Cr1,202 Cr1,239 CrSign in free for the trailing twelve months
Provisions & contingencies1,387 Cr939 Cr767 Cr601 Cr186 Cr316 CrSign in free for the trailing twelve months
Depreciation——————Sign in free for the trailing twelve months
Profit before tax612 Cr694 Cr1,440 Cr1,563 Cr1,641 Cr1,658 CrSign in free for the trailing twelve months
Tax %21.1%26.8%18.1%16.4%22.4%21.0%Sign in free for the trailing twelve months
Net profit482 Cr508 Cr1,180 Cr1,307 Cr1,273 Cr1,311 CrSign in free for the trailing twelve months
EPS (₹)₹15.52₹16.36₹37.87₹39.84₹33.70₹34.67Sign in free for the trailing twelve months
Dividend payout %0.0%11.0%10.6%12.0%16.3%14.4%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital311 Cr311 Cr312 Cr377 Cr378 Cr378 Cr
Reserves6,331 Cr6,783 Cr7,900 Cr9,965 Cr11,208 Cr12,266 Cr
Borrowings1,765 Cr2,314 Cr1,563 Cr4,400 Cr1,941 Cr5,329 Cr
Other liabilities77,174 Cr82,632 Cr89,282 Cr1,01,341 Cr1,07,434 Cr1,11,382 Cr
Total liabilities85,581 Cr92,040 Cr99,057 Cr1,16,083 Cr1,20,960 Cr1,29,355 Cr
Fixed assets (net)838 Cr818 Cr875 Cr915 Cr991 Cr1,060 Cr
CWIP——————
Investments21,635 Cr22,040 Cr23,325 Cr24,300 Cr24,535 Cr26,737 Cr
Loans & advances51,694 Cr56,783 Cr59,952 Cr71,509 Cr76,541 Cr81,810 Cr
Cash & bank4,866 Cr3,957 Cr5,204 Cr7,656 Cr7,526 Cr7,063 Cr
Other assets6,548 Cr8,441 Cr9,701 Cr11,703 Cr11,368 Cr12,685 Cr
Total assets85,581 Cr92,040 Cr99,057 Cr1,16,083 Cr1,20,960 Cr1,29,355 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity3,368 Cr-467 Cr1,830 Cr483 Cr210 Cr1,100 Cr
Cash from investing-87 Cr-56 Cr-88 Cr-111 Cr-691 Cr-88 Cr
Cash from financing-885 Cr-355 Cr-19 Cr1,461 Cr412 Cr-1,260 Cr
Net cash flow2,396 Cr-879 Cr1,723 Cr1,833 Cr-69 Cr-248 Cr
Free cash flow (OCF − Capex)3,281 Cr-524 Cr1,741 Cr371 Cr47 Cr1,011 Cr

Ratios

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %7.3%7.2%14.4%12.6%11.0%10.4%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA2,588 Cr2,251 Cr2,293 Cr2,578 Cr2,402 Cr2,321 Cr
Gross NPA %4.9%3.9%3.7%3.5%3.1%2.8%
Net NPA1,642 Cr1,377 Cr1,021 Cr1,129 Cr1,005 Cr803 Cr
Net NPA %3.2%2.4%1.7%1.6%1.3%1.0%
CET1 %14.8%15.7%17.4%16.2%19.9%18.7%
Additional Tier 1 %0.0%0.0%0.0%0.0%0.0%0.0%
ROA %0.6%0.6%1.2%1.2%1.1%1.1%