The Karnataka Bank Limited

NSE: KTKBANK · Financial Services

₹318.90-1.47%06 Nov 2026

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Instant answers about The Karnataka Bank Limited — computed from its filings, no language model

Market cap₹12,067 cr

Current price₹318.90

High / Low₹343 / ₹174

P/E7.8

P/B0.87

Book value₹368.2

ROE11.2%

ROCE—

Debt / equity—

Dividend yield1.57%

EPS (TTM)₹41.07

Face value₹10

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

	FY21	FY22	FY24	FY25	FY26
Total income	7,727	7,176	9,617	10,283	10,321
Pre-provision op. profit	1,999	1,633	2,164	1,828	1,974
Operating margin	25.9%	22.8%	22.5%	17.8%	19.1%
Interest	4,049	3,731	5,000	5,703	5,799
Profit before tax	612	694	1,563	1,641	1,658
Tax	129	186	256	368	348
Net profit	482	508	1,307	1,273	1,311
EPS ₹	15.52	16.36	39.84	33.70	34.67
Operating cash flow	—	-467	483	210	1,100
Capex	—	57	112	163	89
Dividend paid	—	56	156	208	189
Total assets	—	—	1,16,083	1,20,960	1,29,355
Equity	—	—	10,848	12,085	13,224

Quarterly performance

last 19 quarters · ₹ crore

showing latest 8 of 19 periods

	SEP '20	DEC '20	MAR '21	MAR '22	JUN '22	SEP '22	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	1,934	1,869	1,791	1,836	1,762	2,031	2,276	2,439	2,620	2,557	2,504	2,542	2,680	2,620	2,523	2,522	2,656	2,738	2,794
Pre-provision op. profit	500	438	384	380	413	578	522	540	500	559	461	433	375	467	440	452	615	581	602
Operating margin	25.9%	23.4%	21.4%	20.7%	23.4%	28.4%	22.9%	22.2%	19.1%	21.8%	18.4%	17.0%	14.0%	17.8%	17.4%	17.9%	23.2%	21.2%	21.6%
Other income	330	273	373	257	133	260	250	326	419	279	270	299	422	358	343	302	399	355	290
Interest	1,029	981	958	922	942	968	1,204	1,285	1,367	1,375	1,401	1,450	1,478	1,506	1,451	1,428	1,414	1,444	1,521
Profit before tax	178	224	42	284	50	592	402	396	315	518	429	349	344	357	420	357	525	552	587
Tax	59	88	10	154	-64	180	72	65	41	118	93	66	92	64	101	66	117	133	152
Net profit	119	135	31	130	114	411	330	331	274	400	336	284	253	292	319	291	408	419	436
EPS ₹	3.84	4.35	1.01	4.19	3.66	13.22	10.56	9.79	7.88	10.61	8.90	7.51	6.68	7.74	8.44	7.69	10.80	11.08	11.52
Revenue YoY	—	—	—	2.5%	—	—	12.1%	—	—	—	10.0%	4.2%	2.3%	2.5%	0.7%	-0.8%	-0.9%	4.5%	10.8%
Profit YoY	—	—	—	315.2%	—	—	-19.7%	—	—	—	1.8%	-14.4%	-7.9%	-27.0%	-5.1%	2.5%	61.6%	43.3%	36.5%

Earlier results (standalone, Sep '07 – Jun '20)

₹ crore · from BSE, before the NSE XBRL filings begin

The Karnataka Bank Limited reports consolidated figures above. Quarterly consolidated results only became mandatory in India in 2019, so the earlier history available is the standalone company only (excluding subsidiaries). It is shown separately so the two bases are never mixed.

Full years

showing latest 8 of 12 periods

	FY09†	FY10†	FY11†	FY12†	FY13†	FY14†	FY15†	FY16†	FY17†	FY18†	FY19†	FY20†
Total income	2,271	2,355	2,663	3,447	4,162	4,694	5,205	5,535	5,995	6,378	6,908	7,871
Pre-provision op. profit	480	261	355	510	635	687	723	855	996	1,473	1,450	1,657
Operating margin	21.1%	11.1%	13.3%	14.8%	15.3%	14.6%	13.9%	15.4%	16.6%	23.1%	21.0%	21.0%
Other income	353	311	280	334	393	506	507	543	809	954	1,002	1,396
Interest	1,444	1,708	1,758	2,369	2,861	3,133	3,530	3,689	3,695	3,566	4,001	4,444
Profit before tax	400	190	235	289	464	409	542	528	468	762	608	522
Tax	133	23	30	43	116	98	91	113	16	-15	131	90
Net profit	267	167	205	246	348	311	451	415	452	778	477	432

Quarters

showing latest 8 of 52 periods

	SEP '07†	DEC '07†	MAR '08†	JUN '08†	SEP '08†	DEC '08†	MAR '09†	JUN '09†	SEP '09†	DEC '09†	MAR '10†	JUN '10†	SEP '10†	DEC '10†	MAR '11†	JUN '11†	SEP '11†	DEC '11†	MAR '12†	JUN '12†	SEP '12†	DEC '12†	MAR '13†	JUN '13†	SEP '13†	DEC '13†	MAR '14†	JUN '14†	SEP '14†	DEC '14†	MAR '15†	JUN '15†	SEP '15†	DEC '15†	MAR '16†	JUN '16†	SEP '16†	DEC '16†	MAR '17†	JUN '17†	SEP '17†	DEC '17†	MAR '18†	JUN '18†	SEP '18†	DEC '18†	MAR '19†	JUN '19†	SEP '19†	DEC '19†	MAR '20†	JUN '20†
Total income	440	479	475	508	514	607	642	610	548	590	607	613	635	668	745	769	840	883	955	989	1,032	1,051	1,090	1,204	1,152	1,166	1,173	1,254	1,278	1,365	1,308	1,348	1,369	1,370	1,448	1,435	1,496	1,458	1,606	1,548	1,566	1,527	1,738	1,616	1,654	1,816	1,822	1,829	1,938	2,024	2,080	2,135
Pre-provision op. profit	91	121	75	116	86	138	140	92	7	70	93	76	76	113	91	107	117	104	182	169	159	154	154	258	172	169	89	188	163	183	189	239	169	192	254	262	233	172	329	310	366	322	475	369	356	400	324	350	413	502	392	677
Operating margin	20.6%	25.3%	15.7%	22.8%	16.8%	22.8%	21.7%	15.0%	1.2%	11.8%	15.3%	12.3%	11.9%	16.9%	12.3%	13.9%	13.9%	11.8%	19.1%	17.1%	15.4%	14.7%	14.1%	21.4%	14.9%	14.5%	7.6%	15.0%	12.7%	13.4%	14.5%	17.7%	12.4%	14.0%	17.6%	18.3%	15.6%	11.8%	20.5%	20.0%	23.4%	21.1%	27.4%	22.8%	21.5%	22.0%	17.8%	19.1%	21.3%	24.8%	18.8%	31.7%
Other income	57	74	54	50	61	99	144	132	54	62	63	69	64	65	82	82	80	85	87	91	87	86	129	206	88	98	114	130	103	163	112	119	121	133	170	174	190	134	312	217	248	195	295	209	201	301	291	245	309	402	440	519
Interest	272	290	302	317	340	370	416	431	439	424	414	425	433	442	459	533	579	611	647	671	713	737	740	748	780	796	809	846	878	900	905	898	941	932	918	896	909	947	942	906	878	881	902	939	985	1,026	1,050	1,090	1,131	1,114	1,110	1,081
Profit before tax	99	111	49	13	72	184	130	74	1	6	109	61	18	59	97	48	69	66	107	112	136	117	99	185	45	128	51	165	79	104	194	123	134	129	142	126	102	71	169	111	592	126	-66	147	163	191	106	149	151	187	35	168
Tax	39	42	-12	-8	-2	95	47	34	-15	-31	35	15	-11	20	6	-2	28	-6	23	28	19	37	32	90	16	22	-30	44	-9	-3	59	14	32	32	35	4	-22	3	30	-23	47	38	-77	-16	51	51	45	-27	45	64	8	-28
Net profit	60	69	61	21	74	89	83	40	16	37	74	46	29	39	91	50	41	72	83	83	117	80	67	94	29	107	81	122	88	107	134	109	102	97	107	122	124	69	138	134	545	87	11	163	112	140	62	175	106	123	27	196
EPS ₹	4.95	5.69	5.01	1.71	6.06	7.35	6.85	3.30	1.34	3.01	5.99	3.47	2.14	2.88	6.76	2.64	2.18	3.83	4.42	4.43	6.22	4.25	3.58	5.00	1.54	5.66	4.31	6.46	4.69	5.67	7.13	5.80	5.43	5.14	5.67	6.45	6.57	3.22	4.90	4.74	3.30	3.09	0.39	5.78	3.96	4.97	2.18	6.19	3.75	4.36	0.88	6.32
Revenue YoY	—	—	—	—	16.9%	26.7%	35.1%	20.1%	6.6%	-2.9%	-5.4%	0.6%	16.0%	13.3%	22.7%	25.4%	32.2%	32.1%	28.2%	28.6%	22.9%	19.0%	14.1%	21.8%	11.6%	10.9%	7.5%	4.2%	10.9%	17.1%	11.6%	7.5%	7.1%	0.4%	10.7%	6.4%	9.3%	6.4%	10.9%	7.9%	4.7%	4.8%	8.2%	4.4%	5.6%	18.9%	4.9%	13.2%	17.2%	11.4%	14.1%	16.7%
Profit YoY	—	—	—	—	22.4%	29.3%	36.8%	93.5%	-77.8%	-59.0%	-10.9%	16.0%	75.7%	5.4%	22.6%	7.1%	43.0%	86.7%	-8.4%	67.6%	185.3%	11.1%	-19.0%	12.9%	-75.3%	33.3%	20.5%	29.2%	205.6%	0.2%	65.5%	-10.1%	15.6%	-9.4%	-20.6%	11.2%	21.1%	-29.3%	29.6%	10.1%	340.4%	27.5%	-92.1%	22.0%	-79.5%	60.7%	461.2%	7.5%	-5.3%	-12.3%	-55.8%	11.9%

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 10 periods

	JUN '24	SEP '24	DEC '24	MAR '25	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
ROE	12.3%	11.6%	11.2%	10.5%	9.6%	9.1%	9.2%	9.9%	10.9%	11.2%
Net margin	13.5%	13.3%	12.7%	12.4%	11.3%	11.1%	11.2%	12.7%	13.8%	14.5%
EBITDA margin	21.4%	20.4%	19.1%	17.8%	16.8%	16.6%	16.8%	19.1%	20.0%	21.0%
Asset turnover	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.08	0.08	0.08

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 8 periods

	SEP '22	SEP '23	MAR '24	SEP '24	MAR '25	SEP '25	MAR '26	SEP '26
Share capital	311	313	377	378	378	378	378	378
Reserves	7,241	8,447	10,470	11,166	11,707	12,211	12,846	13,556
Total equity	7,552	8,760	10,848	11,544	12,085	12,589	13,224	13,934
Deposits	81,633	89,532	98,057	99,967	1,04,806	1,02,816	1,08,777	1,15,116
Borrowings	5,944	5,324	4,400	2,432	1,941	1,309	5,329	5,464
Total assets	97,963	1,05,855	1,16,083	1,16,110	1,20,960	1,18,685	1,29,355	1,36,584
Advances	59,872	65,422	71,509	73,952	76,541	72,153	81,810	90,581
Investments	23,757	23,956	24,300	21,459	24,535	26,597	26,737	27,523
Fixed assets	855	876	915	946	991	1,069	1,060	1,037
Cash & bank balances	5,017	6,886	7,993	7,837	7,984	7,468	7,736	5,738

Cash flow

annual · ₹ crore · line = free cash flow

	FY22	FY24	FY25	FY26
Cash from operations	-467	483	210	1,100
Cash from investing	-56	-111	-691	-88
Cash from financing	-355	1,461	412	-1,260
Capex	57	112	163	89
Free cash flow	-524	371	47	1,011
Dividends paid	56	156	208	189

Where the assets sit

Sep '26 · ₹ crore

Advances

₹90,581 cr66%

Investments

₹27,523 cr20%

Fixed assets

₹1,037 cr1%

Cash & bank

₹5,738 cr4%

Other assets

₹11,705 cr9%

Peer comparison

largest in Financial Services · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
HDFC Bank Ltd.	12,15,371	788.25	15.2	2.01	13.3%
ICICI Bank Ltd.	11,28,090	1,571.20	19.1	2.75	14.4%
State Bank of India	9,40,157	1,018.50	10.4	1.36	13.1%
Bajaj Finance Ltd.	6,77,005	1,087.75	—	—	—
Kotak Mahindra Bank Ltd.	4,77,499	480.00	22.2	2.45	11.0%
Axis Bank Ltd.	4,11,911	1,322.90	13.8	1.79	13.0%
Shriram Finance Ltd.	2,26,163	961.15	—	—	—
BSE Ltd.	1,55,002	3,800.00	50.3	19.49	38.8%
Cholamandalam Investment and Finance Company Ltd.	1,53,126	1,785.00	—	—	—
Jio Financial Services Ltd.	1,52,665	231.20	—	—	—
The Karnataka Bank Limited	12,067	318.90	7.8	0.87	11.2%

StoxGud checklist: Bullish setup · 7/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month-2.3%

6 months+19.5%

1 year+73.0%

3Y CAGR+14.0%

5Y CAGR+34.8%

10Y CAGR+10.6%

50-day avg₹323.93

200-day avg₹268.01

RSI (14)43

FAQs

What is the share price of The Karnataka Bank Limited?

The Karnataka Bank Limited (KTKBANK) closed at ₹318.90 on NSE on 06 Nov 2026.

What is the market cap of The Karnataka Bank Limited?

₹12,067 crore at the latest close.

What is the P/E ratio of The Karnataka Bank Limited?

7.8, on trailing-twelve-month earnings from its filings.

How fast is The Karnataka Bank Limited growing?

The Karnataka Bank Limited: revenue has compounded at 12.9% a year over three years; net profit at 37.2% a year. Latest-quarter revenue is up 10.8% year on year, profit up 36.5%.

How profitable is The Karnataka Bank Limited?

On a trailing-twelve-month basis return on equity is 11.2%, operating margin 21.0%, net margin 14.5%.

How much debt does The Karnataka Bank Limited have?

Debt to equity isn't meaningful for The Karnataka Bank Limited (banks borrow as part of their business) or isn't filed yet.

Financials parsed from The Karnataka Bank Limited's own XBRL filings to NSE (consolidated), ₹ crore unless marked. Quarterly from SEP '20, annual from FY21, balance sheet from Sep '22. * = derived (full year or half year minus earlier quarters). Information only, not investment advice.