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SummaryLatest NewsSector ComparisonEarnings ReportRevenue & GrowthPeersIncome StatementBalance SheetCash Flow
KTKBANK logo

KTKBANK - Karnataka Bank Ltd. Share Price

Banks
Sharesguru Stock Score

KTKBANK

72/100

High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years

₹269.35+1.80(+0.67%)
Market Closed as of May 29, 2026, 15:30 IST
Pros

Profitability: Recent profitability of 13% is a good sign.

Past Returns: Outperforming stock! In past three years, the stock has provided 23% return compared to 8.9% by NIFTY 50.

Dividend: Dividend paying stock. Dividend yield of 2.2%.

Balance Sheet: Strong Balance Sheet.

Momentum: Stock price has a strong positive momentum. Stock is up 10.5% in last 30 days.

Size: Market Cap wise it is among the top 20% companies of india.

Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.

Cons

No major cons observed.

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

Sharesguru Stock Score

KTKBANK

72/100

High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years

Valuation

Market Cap10.12 kCr
Price/Sales (Trailing)0.98
EV/EBITDA1.36
Price/Free Cashflow9.2
MarketCap/EBT6.1
Enterprise Value10.12 kCr

Fundamentals

Revenue (TTM)10.32 kCr
Rev. Growth (Yr)-0.90%
Earnings (TTM)1.31 kCr
Earnings Growth (Yr)61.6%

Profitability

Operating Margin19%
EBT Margin16%
Return on Equity0.97%
Return on Assets1.01%
Free Cashflow Yield10.87%

Growth & Returns

Price Change 1W8%
Price Change 1M10.5%
Price Change 6M25.2%
Price Change 1Y34.8%
3Y Cumulative Return23%
5Y Cumulative Return32.3%
7Y Cumulative Return14.2%
10Y Cumulative Return11%

Cash Flow & Liquidity

Cash Flow from Investing (TTM)-87.82 Cr
Cash Flow from Operations (TTM)1.1 kCr
Cash Flow from Financing (TTM)-1.26 kCr
Free Cash Flow (TTM)1.1 kCr
Free Cash Flow/Share (TTM)29.09

Balance Sheet

Total Assets1.29 LCr
Shareholder Equity1.19 LCr

Capital Structure & Leverage

Debt Ratio0.00
Debt/Equity0.00
Interest Coverage-0.71
Interest/Cashflow Ops1.19

Dividend & Shareholder Returns

Dividend/Share (TTM)5
Dividend Yield2.2%
Shares Dilution (1Y)0.10%
Shares Dilution (3Y)21.1%
Pros

Profitability: Recent profitability of 13% is a good sign.

Past Returns: Outperforming stock! In past three years, the stock has provided 23% return compared to 8.9% by NIFTY 50.

Dividend: Dividend paying stock. Dividend yield of 2.2%.

Balance Sheet: Strong Balance Sheet.

Momentum: Stock price has a strong positive momentum. Stock is up 10.5% in last 30 days.

Size: Market Cap wise it is among the top 20% companies of india.

Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.

Cons

No major cons observed.

The Good, Bad and Ugly
Growth
Measures how quickly a company is expanding through metrics like revenue growth, earnings growth, and cash flow growth over time. Strong growth can indicate future potential.
Profitability
Shows how efficiently a company turns business activities into profit, using metrics like profit margins, return on equity (ROE), and return on assets (ROA).
Size
Indicates the company's market presence through metrics like market capitalization, total assets, and revenue. Size can influence stability and market influence.
Dilution Rank
Tracks how much the company's shares have increased or decreased over time. Lower dilution means existing shareholders maintain stronger ownership stakes.
Balance Sheet
Evaluates the company's financial health by analyzing assets, debts, and equity. A strong balance sheet indicates financial stability and flexibility.
Momentum
Measures the strength and speed of price movements, showing whether the stock is gaining or losing market favor over different time periods.
Technicals
Analyzes price patterns, trading volumes, and other market indicators to identify potential trading opportunities and market trends.
Smart Money
Tracks the investment activities of institutional investors, hedge funds, and other large financial players who often have deep research capabilities.
Insider Trading
Monitors buying and selling of company shares by executives, directors, and other insiders who may have unique insights into the company's prospects.

Investor Care

Dividend Yield2.2%
Dividend/Share (TTM)5
Shares Dilution (1Y)0.10%

Financial Health

Debt/Equity0.00

Technical Indicators

RSI (14d)50.88
RSI (5d)80.28
RSI (21d)62.05
MACD SignalBuy
Stochastic Oscillator SignalHold
SharesGuru SignalBuy
RSI SignalHold
RSI5 SignalSell
RSI21 SignalHold
SMA 5 SignalBuy
SMA 10 SignalBuy
SMA 20 SignalBuy
SMA 50 SignalBuy
SMA 100 SignalBuy

Summary of Latest Earnings Report from Karnataka Bank

Summary of Karnataka Bank's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.

Revenue Breakdown

Analysis of Karnataka Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.

Last Updated: Mar 31, 2026

DescriptionShareValue
Retail Banking43.7%1.2 kCr
Corporate Banking33.1%879.2 Cr
Treasury Operations16.9%447.7 Cr
Other Banking Operations4.8%127.9 Cr
Unallocated1.5%40.7 Cr
Total2.7 kCr

Share Holdings

Understand Karnataka Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Share Holding Details

Shareholder NameHolding %
QUANT MUTUAL FUND - QUANT SMALL CAP FUND3.9%
HDFC LIFE INSURANCE COMPANY LIMITED3.59%
BANDHAN SMALL CAP FUND3.21%
B SUMANTHKUMAR REDDY .1.68%
BAJAJ LIFE INSURANCE LIMITED1.38%
SEETHA KUMARI . .1.32%
VAIPAN ADVISORS PRIVATE LIMITED1.21%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Is Karnataka Bank Better than it's peers?

Detailed comparison of Karnataka Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker
Name
Mkt Cap
Revenue
Price %, 1M
Returns, 1Y
P/E
P/S
Rev 1-Yr
Inc 1-Yr
FEDERALBNKFederal Bank71.49 kCr34.27 kCr-1.00%+43.70%-2.09--
KARURVYSYAKarur Vysya Bank28.31 kCr13.16 kCr-0.90%+53.10%-2.15--
RBLBANKRBL Bank21.28 kCr18.46 kCr+7.00%+68.20%-1.15--
CUBCity Union Bank18.86 kCr7.91 kCr-3.30%+29.40%-2.39--
SOUTHBANKSouth Indian Bank10.66 kCr11.86 kCr+5.50%+40.70%-0.9--

Sector Comparison: KTKBANK vs Banks

Comprehensive comparison against sector averages

Comparative Metrics

KTKBANK metrics compared to Banks

CategoryKTKBANKBanks
PE15.97
PS0.982.32
Growth0.4 %4.9 %
0% metrics above sector average
Key Insights
  • 1. KTKBANK is NOT among the Top 10 largest companies in Private Sector Bank.
  • 2. The company holds a market share of 0.7% in Private Sector Bank.
  • 3. In last one year, the company has had a below average growth that other Private Sector Bank companies.

Income Statement for Karnataka Bank

Consolidated figures (in Rs. Crores) /
Description(%) Q/QMar-2026Mar-2025Mar-2024Mar-2023Mar-2022Mar-2021
Interest or discount on advances or bills-4.7%6,6817,0096,5255,5854,7384,937
Revenue on investments12.1%1,6431,4661,5001,4221,3101,142
Interest on balances with RBI and others12.5%4641181.583230
Other interest10.3%548497255211142123
Total interest earned-1.1%8,9189,0148,2987,2206,2226,232
Other income10.5%1,4031,2701,3199939541,495
Total income0.4%10,32110,2839,6178,2137,1767,727
Total expenditure-1.3%8,3468,4567,4546,0055,5425,728
Interest expended1.7%5,7995,7035,0004,0353,7314,049
Employees cost-15.6%1,3081,5501,3821,0731,016913
Other operating expenses3.1%1,2391,2021,072897795766
Operating expenses-7.5%2,5472,7522,4541,9701,8121,679
Operating profit8%1,9741,8282,1642,2081,6331,999
Provisions other than tax and contingencies70.3%3161866017679391,387
Profit before tax1%1,6581,6411,5631,440694612
Tax expense-5.4%348368256261186129
Profit after tax3%1,3111,2731,3071,180508482
Net profit (loss) for the period3%1,3111,2731,3071,180508482
Reserve excluding revaluation reserves9.4%12,26611,208----
CET 1 ratio-1.5%0.18680.19850.16170.17450.15660.1485
Gross non performing assets-3.4%2,3212,4022,5782,2932,2512,588
Non performing assets-20.1%8031,0051,1291,0211,3771,642
Return on assets0%0.01050.01060.01220.0121056057
Description(%) Q/QMar-2026Dec-2025Sep-2025Jun-2025Mar-2025Dec-2024
Interest or discount on advances or bills4.2%1,6891,6211,6411,7301,7651,759
Revenue on investments0.2%424423406389380347
Interest on balances with RBI and others-53.6%5.1810228.834.6419
Other interest-17%138166110133109118
Total interest earned1.7%2,2572,2202,1792,2612,2582,243
Other income32.2%399302343358422299
Total income5.3%2,6562,5222,5232,6202,6802,542
Total expenditure-1.4%2,0412,0712,0822,1522,3052,109
Interest expended-1%1,4141,4281,4511,5061,4781,450
Employees cost-22.4%282363319344528346
Other operating expenses23.4%344279312303299313
Operating expenses-2.5%627643631647827659
Operating profit36.1%615452440467375433
Provisions other than tax and contingencies-5.3%9095201113184
Profit before tax47.2%525357420357344349
Tax expense78.5%11766101649266
Profit after tax40.3%408291319292253284
Net profit (loss) for the period40.3%408291319292253284
Reserve excluding revaluation reserves-------
CET 1 ratio0.3%0.18680.18440.19280.1890.19850.1764
Gross non performing assets-9.5%2,3212,5652,4532,5712,4022,419
Non performing assets-19.3%8039959761,0501,0051,064
Return on assets0.4%0.01270920.01040970810
Standalone figures (in Rs. Crores) /
Description(%) Q/QMar-2026Mar-2025Mar-2024Mar-2023Mar-2022Mar-2021
Interest or discount on advances or bills-4.7%6,6817,0096,5255,5854,7384,937
Revenue on investments12.1%1,6431,4661,5001,4221,3101,142
Interest on balances with RBI and others12.5%4641181.583230
Other interest10.3%548497255211142123
Total interest earned-1.1%8,9189,0148,2987,2206,2226,232
Other income10.5%1,4031,2701,3199939541,495
Total income0.4%10,32110,2839,6178,2137,1767,727
Total expenditure-1.3%8,3478,4567,4546,0055,5425,728
Interest expended1.7%5,7995,7035,0004,0353,7314,049
Employees cost-15.6%1,2981,5381,3731,0691,015913
Other operating expenses3%1,2501,2141,081900796766
Operating expenses-7.5%2,5472,7532,4541,9691,8111,679
Operating profit8.1%1,9741,8272,1632,2081,6341,999
Provisions other than tax and contingencies70.3%3161866017679391,387
Profit before tax1%1,6581,6411,5631,441695612
Tax expense-5.4%348368256261186129
Profit after tax3%1,3101,2721,3061,180509483
Net profit (loss) for the period3%1,3101,2721,3061,180509483
Reserve excluding revaluation reserves-100%011,208----
CET 1 ratio-1.5%0.18680.19850.16170.17450.15660.1485
Gross non performing assets-3.4%2,3212,4022,5782,2932,2512,588
Non performing assets-20.1%8031,0051,1291,0211,3771,642
Return on assets0%0.01050.01050.01220.0121056057
Description(%) Q/QMar-2026Dec-2025Sep-2025Jun-2025Mar-2025Dec-2024
Interest or discount on advances or bills4.2%1,6891,6211,6411,7301,7651,759
Revenue on investments0.2%424423406389380347
Interest on balances with RBI and others-53.6%5.1810228.834.6419
Other interest-17%138166110133109118
Total interest earned1.7%2,2572,2202,1792,2612,2582,243
Other income32.2%399302343358428292
Total income5.3%2,6562,5222,5232,6202,6872,535
Total expenditure-1.4%2,0412,0712,0832,1522,3122,102
Interest expended-1%1,4141,4281,4511,5061,4781,450
Employees cost-22.5%280361316341526343
Other operating expenses23.1%347282315306308309
Operating expenses-2.5%627643631647834652
Operating profit36.1%615452440467375433
Provisions other than tax and contingencies-5.3%9095201113184
Profit before tax47.2%525357420356344349
Tax expense78.5%11766101649266
Profit after tax40.3%408291319292252284
Net profit (loss) for the period40.3%408291319292252284
Reserve excluding revaluation reserves-------
CET 1 ratio0.3%0.18680.18440.19280.1890.19850.1764
Gross non performing assets-9.5%2,3212,5652,4532,5712,4022,419
Non performing assets-19.3%8039959761,0501,0051,064
Return on assets0.4%0.01270920.01030970810

Balance Sheet for Karnataka Bank

Consolidated figures (in Rs. Crores) /
Description(%) Q/QMar-2026Sep-2025Mar-2025Sep-2024Mar-2024Sep-2023
Total assets9%129,355118,685120,9601,161,100,000,000116,083105,855
Cash balances with RBI41.2%7,0635,0027,5267,3927,6566,442
Investments0.5%26,73726,59724,53521,45924,30023,956
Advances13.4%81,81072,15376,54173,95271,50965,422
Fixed assets-0.8%1,0601,069991946915876
Other assets-12,013-----
Other assets5.4%12,01311,39810,90911,91611,3678,715
Capital0%378378378378377313
Reserves and surplus5.2%12,84612,21111,70711,16610,4708,447
Deposits5.8%108,777102,816104,80699,96798,05789,532
Borrowings307.3%5,3291,3091,9412,4324,4005,324
Other liabilities and provisions-2,025-----
Other liabilities and provisions2.7%2,0251,9722,1292,1672,7792,239
Total capital and liabilities9%129,355118,685120,960116,110116,083105,855
Standalone figures (in Rs. Crores) /
Description(%) Q/QMar-2026Sep-2025Mar-2025Sep-2024Mar-2024Sep-2023
Total assets9%129,357118,686120,9621,161,113,400,000116,085105,856
Cash balances with RBI41.2%7,0635,0027,5267,3927,6566,442
Investments0.5%26,73926,59924,53721,46024,30223,958
Advances13.4%81,81072,15376,54173,95271,50965,422
Fixed assets-0.8%1,0601,069991946915875
Other assets-12,012-----
Other assets5.4%12,01211,39810,90911,91511,3668,715
Capital0%378378378378377313
Reserves and surplus5.2%12,84612,21111,70711,16710,4718,449
Deposits5.8%108,779102,817104,80799,96898,05889,532
Borrowings307.3%5,3291,3091,9412,4324,4005,324
Other liabilities and provisions-2,024-----
Other liabilities and provisions2.7%2,0241,9712,1282,1662,7792,239
Total capital and liabilities9%129,357118,686120,962116,111116,085105,856

Cash Flow for Karnataka Bank

Consolidated figures (in Rs. Crores) /
Description(%) Q/QMar-2026Mar-2025Mar-2024Mar-2023Mar-2022Mar-2021
Profit Before Extraord. Items And Tax1%1,6581,6411,5631,440694-
Finance costs-007200-
Depreciation26.2%107850372193-
Total adjustments to profit/loss22%21217458372194-
Change in trade receivables-0000-6,561.58-
Adjustments for Provisions70.3%316186601767939-
Total adj. for working capital74.4%-316.83-1,241.08-858.77324-1,116.12-
Net Cashflows From Operations171%1,5545747622,137-228.4-
Income taxes paid (refund)24.8%454364400307239-
Net Cashflows From Operating Activities425.8%1,1002103621,830-467.45-
Proceeds from sales of tangible assets-84.8%1.11.66000.66-
Purchase of tangible assets-45.7%891631128957-
Proceeds from sales of intangible assets-000.861.790-
Other inflows/outflows of cash99.8%0-529.54000-
Net Cashflows From Investing Activities87.2%-87.82-690.59-111.2-87.52-56.44-
Proceeds from issuing shares-73%1.874.221,4856.511.75-
Proceeds from borrowings-100.2%061625499-300.71-
Repayments of borrowings-1,0730000-
Dividends paid-9.2%18920815612556-
Net Cashflows From Financing Activities-406.9%-1,260.364121,582-19.46-354.92-
Net change in cash and cash eq.-256%-248.08-68.961,8331,723-878.81-
Standalone figures (in Rs. Crores) /
Description(%) Q/QMar-2026Mar-2025Mar-2024Mar-2023Mar-2022Mar-2021
Profit Before Extraord. Items And Tax1%1,6581,6411,5631,441695-
Depreciation25%1068572372193-
Total adjustments to profit/loss22%21217458372194-
Change in trade receivables-0000-6,561.33-
Adjustments for Provisions70.3%316186601767939-
Total adj. for working capital74.4%-316.53-1,240.59-858.4324-1,116.32-
Net Cashflows From Operations171%1,5545747622,137-227.99-
Income taxes paid (refund)24.8%454364400307239-
Net Cashflows From Operating Activities425.8%1,1002103621,830-467.03-
Proceeds from sales of tangible assets-84.8%1.11.660.91.790.66-
Purchase of tangible assets-45.7%891631128957-
Other inflows/outflows of cash99.8%0-529.54000-
Net Cashflows From Investing Activities87.2%-87.81-690.55-111.1-87.41-56.36-
Proceeds from issuing shares-73%1.874.221,4846.011.25-
Proceeds from borrowings-274.7%-1,073.261625499-300.71-
Dividends paid-9.2%18920815612556-
Net Cashflows From Financing Activities-406.9%-1,260.364121,582-19.96-355.42-
Net change in cash and cash eq.-256%-248.08-68.961,8331,723-878.81-

What does Karnataka Bank Ltd. do?

Private Sector Bank•Financial Services•Small Cap

The Karnataka Bank Limited provides various banking and financial services in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The Corporate/Wholesale Banking segment provides various fund and non-fund-based products, including term loans, working capital facilities, foreign exchange services, structured finance, and trade financing products. The Retail Banking segment offers home, automobile, personal, and education loans; loans against term deposits; loans against securities; and gold, small business, and agriculture loans to agriculture, MSME, housing, and education sectors. Its products include KBL Contractor Mitra, KBL Micro Mitra, KBL Export Mitra, KBL MSME, as well as KBL Mahila Udyog for financial support of women entrepreneurs. The Treasury segment engages in statutory reserves management, such as SLR and CRR; liquidity management; investment and trading activities; and foreign exchange activities. It also invests in sovereign debt instruments and other fixed income securities; mutual funds; certificates of deposits; floating rate instrument; forward contracts; and trades debt and equity securities, and foreign exchange. The Other Banking Operations segment offers a range of ancillary products and services, including depository; online trading; ASBA, locker, and safe custody facilities; bill payment; online and off-line fee collection; mobile and internet banking; and payment and remittance services, as well as FASTag services. It provides its services through physical banking channels, digital channels, including inter alia, internet and mobile banking, and e-lobbies. In addition, the company distributes insurance products. The Karnataka Bank Limited was incorporated in 1924 and is based in Mangalore, India.

Industry Group:Banks
Employees:8,900
Website:www.karnatakabank.com

Important Disclosure & Data Context

This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.

Performance Comparison

KTKBANK vs Banks (2021 - 2026)

KTKBANK leads the Banks sector while registering a 39.0% growth compared to the previous year.