Karnataka Bank logo

Karnataka Bank

KTKBANK NSE

Key Fundamentals

MicrocapPrivate BankBanks
Market Cap
₹12,278 Cr
Volatility
Moderate
P/E Ratio
8.56
EBITDA
₹1,765 Cr
Return on Equity
9.91%
Debt to Equity
0
Book Value
₹334.16
EPS
₹35.39
52W High
₹345.9
52W Low
₹170

Tapetide Score

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

Key Insights

Strengths

1
  • Stock is trading at 0.93 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

Growth Rate

Revenue Growth
0.36% lower than 3Y
Net Income Growth
2.98% lower than 3Y
Cash Flow Change
425% higher than 3Y
ROE
-5.89% lower than 3Y
ROCE
-4.94% lower than 3Y
EBITDA Margin (Avg.)
1.44% lower than 3Y

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 44d ago
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

Anthropic anthropic claude-opus-4.6 42d ago
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.

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.

Quarterly Results

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 in Rs
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%
Figures in ₹ Crores

Profit & Loss

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 in Rs
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%
—
Figures in ₹ Crores

Balance Sheet

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
Figures in ₹ Crores

Cash Flow

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
Figures in ₹ Crores

Ratios

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

69 extracted metrics + investor summaries across FY11–FY27.

Log in — free

Shareholding Pattern

FIIs13.10%Public57.48%Others13.68%DIIs15.75%As ofJun 2026

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.[1]
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 market capitalisation of Karnataka Bank Ltd?
Karnataka Bank Ltd has a market capitalisation of ₹12,278 Cr, which places it in the Mid Cap band.
What is the PE ratio of Karnataka Bank Ltd?
Karnataka Bank Ltd trades at a PE ratio of 8.56, on earnings per share of ₹35.39, against a book value of ₹334.16 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 ₹170 and ₹345.9.
Does Karnataka Bank Ltd pay dividends?
Karnataka Bank Ltd has a dividend yield of 1.50%.
What is the Return on Equity (ROE) of Karnataka Bank Ltd?
Karnataka Bank Ltd reported a return on equity of 9.91%. Its debt-to-equity ratio is 0.00.

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.[1]

Website karnatakabank.com
Listed 2000-05-10
Face Value ₹ 10
Issued Size 37,81,40,344

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: company profile, latest price, key fundamentals, the Tapetide Score, growth rates, quarterly and annual financial statements, shareholding pattern, technical indicators, analyst ratings and exchange filings.

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 MCP server.

Explore More

More in Banks → FII DII Data Stock Screener Nifty 50 Heatmap F&O Ban List