Skip to content
Karnataka Bank logo

Karnataka Bank

KTKBANK NSE
₹310.90 No trade today
P/E
8.18
View as Markdown
MCP
Close 4 Nov 2026 ₹310.90 +133.15 +74.9% 1Y
Start ₹177.75

Key Fundamentals

MicrocapBanksFinancial Services

Price-based figures as of · EPS basis: Standalone · TTM

EPS (TTM)
₹38.00
Book Value
₹352.91
Market Cap
—
P/E (TTM)
8.18
P/B
0.88
ROE
10.40%
Dividend Yield
1.64%
52W High
₹345.90
52W Low
₹173.80
Volume
0
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Debt to Equity
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Banks › Private Bank › Private Sector Bank

Karnataka Bank peer comparison
HDFC Bank
₹736.7014.16₹11,37,598 Cr1.882.48%13.60%—₹3,59,956 Cr₹83,685 Cr
ICICI Bank
₹1,424.1017.28₹10,25,874 Cr2.670.84%15.90%—₹2,06,190 Cr₹62,827 Cr
Kotak Bank
₹459.4021.29₹4,58,686 Cr2.350.14%11.40%—₹73,545 Cr₹21,472 Cr
Axis Bank
₹1,232.0012.79₹3,83,779 Cr1.670.08%13.10%—₹1,41,510 Cr₹30,038 Cr
IDBI Bank
₹79.2910.26₹83,815 Cr1.322.70%14.10%—₹30,953 Cr₹8,329 Cr
Federal Bank
₹335.2015.94₹81,875 Cr2.010.36%11.60%—₹31,552 Cr₹5,387 Cr
Indusind Bank
₹865.1550.98₹66,694 Cr1.000.18%1.36%—₹45,297 Cr₹1,322 Cr
Karnataka Bank (this company)
₹310.908.18₹11,681 Cr0.881.64%10.40%—₹9,039 Cr₹1,437 Cr
Median 8 companies₹598.0515.05₹2,33,797 Cr1.780.60%12.35%—₹59,421 Cr₹14,901 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

62 Good

Data confidence 100/100

Category scores

Quality
47
Average
Returns, margins, earnings quality 22% weight
Valuation
66
Strong
Cheap vs sector & own history 24% weight
Growth
23
Poor
Sales & profit trajectory 9% weight
Financial Health
57
Good
Solvency, leverage, coverage 9% weight
Momentum
81
Strong
Trend strength, vol-adjusted 12% weight
Ownership
83
Strong
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

1
  • Stock is trading at 0.97 times its book value

Weaknesses

5
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 7.43% over past five years.
  • Company has a low return on equity of 11.6% over last 3 years.
  • Contingent liabilities of Rs.13,148 Cr.
  • Company might be capitalizing the interest cost

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallNeutral676
OscillatorsBearish270
Moving AveragesStrong Bullish406

Key readings

RSI (14)
46.70
Neutral
MACD (12,26,9)
−6.08
Bearish
SMA (50)
324.44
Bearish
SMA (200)
266.63
Bullish

As of

Analyst Rating

Based on 2 analysts
BUY100%

2 of 2 analysts rate Buy, 0 Hold, 0 Sell.

As of

BUY
2
100%
HOLD
0
0%
SELL
0
0%

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+5.97%
5Y+7.43%
3Y+7.29%
1Y−1.07%
TTM+0.48%

Net profit

Net profit growth by window
10Y+12.18%
5Y+22.09%
3Y+3.55%
1Y+2.99%
TTM+23.45%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹5,185 Cr
Mar 2018₹5,424 Cr
Mar 2019₹5,906 Cr
Mar 2020₹6,475 Cr
Mar 2021₹6,232 Cr
Mar 2022₹6,222 Cr
Mar 2023₹7,220 Cr
Mar 2024₹8,299 Cr
Mar 2025₹9,014 Cr
Mar 2026₹8,918 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹452 Cr
Mar 2018₹326 Cr
Mar 2019₹477 Cr
Mar 2020₹432 Cr
Mar 2021₹483 Cr
Mar 2022₹509 Cr
Mar 2023₹1,180 Cr
Mar 2024₹1,306 Cr
Mar 2025₹1,272 Cr
Mar 2026₹1,310 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EPS
₹41.15 +18.7% vs FY26
Reported High Mean Low

AI Analysis — Bull vs Bear

Generated 31 Jul 2026
AI opinion · based on fundamentals
Risk medium

Karnataka Bank Ltd trades at a market cap of Rs.11,062 Cr with a PE of 7.7x and PB of 0.87x, reflecting a valuation below book value. The bank has delivered 23% TTM profit growth but faces challenges with flat TTM sales growth and a 3-year ROE of around 12%, positioning it as a value proposition with mixed operational signals.

Bull Case 8
  • Stock trades at 0.83x book value, offering a significant discount to intrinsic net asset value for a profitable bank
  • PE ratio of 7.7x is well below the banking sector average, indicating potential undervaluation relative to earnings
  • TTM compounded profit growth of 23% demonstrates strong recent earnings momentum
  • Stock CAGR of 61% over the past 1 year reflects significant market re-rating and investor interest
  • 5-year compounded profit growth of 22% shows sustained earnings expansion over a longer horizon
  • Dividend yield of 1.72% provides tangible income return to shareholders while trading below book
  • 5-year stock CAGR of 37% indicates consistent long-term wealth creation for investors
  • 3-year and 5-year ROE both at 12% show reasonable consistency in return generation on equity base
Bear Case 8
  • TTM sales growth is flat at 0%, indicating stagnation in the bank's core revenue generation ability
  • Contingent liabilities of Rs.13,211 Cr represent a material off-balance-sheet risk relative to the Rs.11,062 Cr market cap
  • Low interest coverage ratio suggests vulnerability to rising funding costs or asset quality deterioration
  • 5-year compounded sales growth of only 7.43% reflects structurally slow topline expansion
  • Last year ROE declined to 10% from a 3-year average of 12%, signaling potential return compression
  • 3-year compounded profit growth of only 4% contrasts sharply with TTM of 23%, raising sustainability concerns
  • 10-year ROE average of just 10% indicates the bank has historically struggled to generate strong returns on equity
  • Potential capitalization of interest costs may be inflating reported profitability and understating true operating expenses

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

94d ago

TL;DR: Karnataka Bank is on a strong footing with a 43% YoY profit jump in Q1FY27 and a ₹2 lakh crore business milestone, signaling healthy growth momentum. Board appointments in cybersecurity and leadership suggest focus on governance and digital resilience. No notable headwinds emerged in recent news. The trend is clearly improving, though sustaining low provisions and retail growth will be key to watch in coming quarters.

Positives 3
  • Q1FY27 profit surges 43% YoY Jul 29

    Net profit rose 43% YoY to ₹418.95 crore for Q1FY27, driven by lower provisions and robust retail banking growth.

  • Crosses ₹2 lakh crore business Aug 1

    Karnataka Bank crossed the ₹2 lakh crore total business milestone as of July 31, 2026, disclosed under SEBI Regulation 30.

  • New ED Biji Sankaranarayanan joins Jul 15

    Mrs. Biji Sankaranarayanan assumed charge as Executive Director on July 15, 2026, for a three-year term, strengthening leadership bench.

Neutral 3
  • Cybersecurity expert joins board Jul 31

    Parthasarathi Periaswamy, former CISO at RBI and CTO at IDRBT, appointed as Independent Director for four years from July 29, 2026, to bolster digital resilience.

  • Q1FY27 earnings call held Jul 30

    Karnataka Bank hosted an analyst audio conference on July 30, 2026, to discuss Q1FY27 unaudited standalone and consolidated results.

  • Dr. Aruna Shyam appointed director Jul 18

    Dr. M Aruna Shyam appointed as Non-Executive Independent Director for four years effective July 18, 2026, subject to shareholder approval.

Quarterly Results

₹ Cr
KTKBANK quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
1,959
2,027
2,113
2,201
2,278
2,234
2,243
2,258
2,261
2,179
2,220
2,257
2,383
Expenses
689
670
758
938
664
674
736
865
757
652
737
717
742
Financing Profit
126
153
70
−104
239
159
57
−84
−2
77
55
126
196
Fin. Margin %
6%
8%
3%
−5%
11%
7%
3%
−4%
0%
4%
2%
6%
8%
Other Income
324
250
326
419
279
270
292
428
358
343
302
399
355
Interest
1,144
1,204
1,285
1,367
1,375
1,401
1,450
1,478
1,506
1,451
1,428
1,414
1,444
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
450
402
396
315
518
429
349
344
356
420
357
525
552
Tax %
18%
18%
16%
13%
23%
22%
19%
27%
18%
24%
19%
22%
24%
Net Profit
371
330
331
274
400
336
284
252
292
319
291
408
419
EPS (₹)
11.87
10.56
9.55
7.27
10.61
8.9
7.5
6.68
7.74
8.44
7.69
10.79
11.08
Gross NPA %
3.68%
3.47%
3.64%
3.53%
3.54%
3.21%
3.11%
3.08%
3.46%
3.33%
3.32%
2.78%
2.58%
Net NPA %
1.43%
1.36%
1.55%
1.58%
1.66%
1.46%
1.39%
1.31%
1.44%
1.35%
1.31%
0.98%
0.87%

Profit & Loss

₹ Cr
KTKBANK profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
4,698
4,992
5,185
5,424
5,906
6,475
6,232
6,222
7,220
8,299
9,014
8,918
9,039
Expenses
1,131
1,275
1,782
2,452
2,245
2,706
2,902
2,677
2,650
2,983
2,854
2,757
2,848
Financing Profit
38
27
−292
−594
−340
−676
−719
−186
535
316
456
362
453
Fin. Margin %
1%
1%
−6%
−11%
−6%
−10%
−12%
−3%
7%
4%
5%
4%
5%
Other Income
507
543
809
954
1,002
1,262
1,404
954
993
1,319
1,270
1,403
1,400
Interest
3,530
3,689
3,695
3,566
4,001
4,444
4,049
3,731
4,035
5,000
5,703
5,799
5,738
Depreciation
−14
42
50
50
54
64
74
74
86
72
85
106
0
PBT
559
528
468
310
608
522
612
695
1,441
1,563
1,641
1,658
1,853
Tax %
19%
21%
3%
−5%
21%
17%
21%
27%
18%
16%
22%
21%
—
Net Profit
451
415
452
326
477
432
483
509
1,180
1,306
1,272
1,310
1,437
EPS (₹)
14.52
13.35
14.55
10.47
15.35
13.89
15.52
16.35
37.79
34.63
33.67
34.65
38
Div. Payout %
21%
23%
25%
26%
21%
0%
12%
24%
13%
16%
15%
14%
—

Balance Sheet

₹ Cr
KTKBANK balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
188
188
283
283
283
311
311
311
312
377
378
378
Reserves
3,201
3,502
4,860
5,128
5,503
5,660
6,331
6,784
7,901
10,471
11,707
12,846
Borrowing
438
1,051
833
816
3,326
4,065
1,765
2,314
1,563
4,400
1,941
5,329
Deposits
46,609
50,488
56,733
62,871
68,452
71,785
75,655
80,387
87,368
97,988
1,04,807
1,08,779
Other Liabilities
1,401
1,270
1,330
1,276
1,483
1,493
1,553
1,789
1,914
2,848
2,128
2,024
Total Liabilities
51,837
56,500
64,039
70,374
79,046
83,313
85,615
91,584
99,058
1,16,085
1,20,961
1,29,357
Fixed Assets
292
307
721
762
775
826
838
805
846
915
976
1,051
CWIP
0
0
0
0
0
0
1
13
29
13
14
9
Investments
14,032
16,257
20,220
15,444
16,185
17,545
21,635
22,041
23,326
24,302
24,537
26,739
Other Assets
37,513
39,937
43,098
54,168
62,086
64,942
63,142
68,725
74,857
90,855
95,434
1,01,558
Total Assets
51,837
56,500
64,039
70,374
79,046
83,313
85,615
91,584
99,058
1,16,085
1,20,961
1,29,357

Cash Flow

₹ Cr
KTKBANK cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
648
636
−184
721
−2,231
−90
3,369
−467
1,830
681
−321
1,100
Investing
−80
−58
−40
−91
−68
−56
−87
−56
−87
−369
−161
−88
Financing
−291
−147
453
−303
2,307
−545
−885
−355
−20
1,582
412
−1,260
Net Cash Flow
277
431
229
327
9
−690
2,396
−879
1,723
1,894
−70
−248
Free Cash Flow
568
578
−224
630
−2,299
−146
3,282
−523
1,743
570
−482
1,012
CFO/OP
27
22
2
35
−55
3
111
−6
47
20
1
25

Ratios

KTKBANK financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
14%
12%
10%
6%
9%
7%
8%
7%
15%
14%
11%
10%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Karnataka Bank insights

85 extracted metrics across FY12–FY27.

Shareholding Pattern

As of Sep 2026

  • Public 52.45%
  • DIIs 18.64%
  • FIIs 16.29%
  • Others 12.61%

No promoter shares pledged as of Sep 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about Karnataka Bank

What does Karnataka Bank Ltd do?
Karnataka Bank is engaged in providing a wide range of banking & financial services involving retail, corporate banking and para-banking activities in addition to treasury and foreign exchange business.
Where is Karnataka Bank Ltd (KTKBANK) listed?
Karnataka Bank Ltd trades as KTKBANK on the NSE and under code 532652 on the BSE.
Which sector does Karnataka Bank Ltd belong to?
Karnataka Bank Ltd is classified under the Banks sector, in the Private Bank industry.
What is the PE ratio of Karnataka Bank Ltd?
Karnataka Bank Ltd trades at a PE ratio of 8.18 as of 4 Nov 2026, on earnings per share of ₹38, against a book value of ₹352.91 per share.
What is the 52-week high and low of Karnataka Bank Ltd?
Over the last 52 weeks Karnataka Bank Ltd has traded between ₹173.8 and ₹345.9 as of 4 Nov 2026.
Does Karnataka Bank Ltd pay dividends?
Karnataka Bank Ltd has a dividend yield of 1.64%.
What is the Return on Equity (ROE) of Karnataka Bank Ltd?
Karnataka Bank Ltd reported a return on equity of 10.40%.

Company Information

Karnataka Bank is engaged in providing a wide range of banking & financial services involving retail, corporate banking and para-banking activities in addition to treasury and foreign exchange business.

Website karnatakabank.com
Listed 10 May 2000
Face Value ₹10

For AI agents and developers

Reading this as an AI agent, LLM or automated pipeline? Every page on Tapetide is also published as clean Markdown — no navigation, no scripts, just the data. Fetch https://tapetide.com/stocks/KTKBANK.md for Karnataka Bank Ltd: dated key facts, then this page's sections in order: latest price, key fundamentals, peer comparison, the Tapetide Score, technical indicators, analyst ratings, growth rates, analyst forecasts, the AI analysis and news digest (labelled as AI-generated), financial statements, shareholding pattern, documents and the FAQ.

Append .md to any Tapetide URL for the same treatment. A full index of what we publish is at /llms.txt and /llms-full.txt. For live, structured queries instead of documents, use our Indian stock market MCP server.

Explore More

More Bank stocks → FII DII DataStock ScreenerNifty 50 HeatmapF&O Ban ListFII and DII flows, month by monthHow Tapetide Scores changed, month by monthStocks mutual funds are buying, month by month