Karnataka Bank
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Karnataka Bank share price

The Karnataka Bank Ltd.

NSE: KTKBANK BSE: 532652 SECTOR: Bank - Private  1.34 L   400   99

178.75
+0.05 (0.03%)
NSE: 11 Sep 4:00 PM

Price Summary

Today's High

₹ 180.8

Today's Low

₹ 178.37

52 Week High

₹ 243.2

52 Week Low

₹ 162.2

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 6754.56 Cr.

CASA %

31.75

No. of Shares

37.79 Cr.

P/E

5.8

P/B

0.57

Face Value

₹ 10

Div. Yield

2.8 %

Book Value (TTM)

₹  314.31

Net Interest Income

₹ 3310.38 Cr.

Cost To Income %

60.11

Promoter Holding

0 %

EPS (TTM)

₹  30.82

CAR %

19.85

ROE

11.61 %

ROCE

12.35%

Profit Growth

-2.6 %

Add Your Ratio

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year11.61%
3 Year14.18%
5 Year11.75%

ROA%

1 Year1.07%
3 Year1.18%
5 Year0.93%

Net NPA%

1 Year1.31%
3 Year1.53%
5 Year2.04%

 NIM

1 Year3.04%
3 Year3.26%
5 Year3.11%

CAR %

19.85

Cost of Liabilities %

5.3427

PEG Ratio

NA

Advances Growth %

7.0381

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 0.00 0.00
Mar 2025 0.00 0.00
Dec 2024 0.00 0.00
Sep 2024 0.00 0.00
Jun 2024 0.00 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 14.1818%.
  • The company has been consistently maintaining a NIM of 3.25753333333333% since last 3 years.
  • Good Capital Adequacy Ratio of 19.85%.
  • The company has delivered good Profit growth of 35.7500154652663% over the past 3 years.

 Limitations

  • CASA Growth of -0.181100000000001% YoY, which is very low.
  • High Cost to income ratio of 60.1074%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Interest Earned 2277.99 2234.13 2243.02 2258.46 2261.28
Other Income 279.01 269.92 292.36 428.23 358.36
Interest Expended 1374.63 1400.57 1450.24 1477.78 1505.68
Operating Expenses 623.78 643.12 652.07 833.89 646.67
Total Provisions 40.26 31.33 83.77 31.08 110.8
Profit Before Tax 518.33 429.03 349.3 343.94 356.49
Tax 118 92.96 65.7 91.57 64.09
Net Profit 400.33 336.07 283.6 252.37 292.4
Net NPA % 1.66 1.46 1.39 1.31 1.44
Gross NPA % 3.54 3.21 3.11 3.08 3.46
Return on Assets % 1.38 1.13 0.92 0.81 0.97
NPM % 17.57 15.04 12.64 11.17 12.93

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Interest Earned 6232.41 6221.66 7220.23 8298.51 9013.6
Other Income 1404.2 953.88 992.58 1318.92 1269.51
Interest Expended 4049.23 3730.63 4035.13 4999.78 5703.22
Operating Expenses 1679.11 1810.92 1969.45 2454.34 2752.86
Total Provisions 1296.35 939.44 767.18 600.58 186.44
Profit Before Tax 611.93 694.56 1441.04 1562.73 1640.6
Taxes 129.36 185.94 260.8 256.45 368.23
Net Profit 482.57 508.62 1180.24 1306.28 1272.37
Adjusted EPS (Rs.) 15.52 16.35 37.79 34.63 33.67

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 310.88 311.17 312.35 377.26 377.95
Total Reserves 6331.48 6783.5 7900.95 10470.28 11705.84
Deposits 75654.86 80386.85 87368.01 97988.22 104807.49
Borrowings 1764.88 2313.84 1562.72 4399.53 1940.55
Other Liabilities 1553.33 1788.57 1914.25 2848.32 2128.43
Total Liabilities 85615.43 91583.99 99058.34 116084.57 120961.78
Assets
Balance with RBI 4866.15 3957.22 5204.23 7716.61 7525.73
Balance with Banks 449.42 479.54 955.23 336.67 458.58
Investments 21635.19 22041 23326.37 24302.05 24536.51
Advances 51515.85 56783.14 59951.62 71508.64 76541.48
Net Block 837.85 805 846.08 914.64 976.17
Other Assets 6310.47 7504.94 8745.66 11292.68 10908.94
Total Assets 85615.43 91583.99 99058.34 116084.57 120961.78
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

 No Promoters Data available for this company.Report us
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 100.00 100.00 100.00 100.00 100.00
anil kumar goel - 1.18 1.50 1.51 1.51
b sumanthkumar reddy 1.90 1.98 2.05 2.09 2.17
bajaj allianz life insura... 2.00 1.55 1.55 1.55 1.55
bandhan small cap fund (v... - 1.50 1.71 1.81 1.89
hdfc life insurance compa... - 3.59 3.59 3.59 3.59
investor education and pr... 0.29 0.33 - 0.33 0.33
life insurance corporatio... 3.46 2.75 2.43 2.38 1.63
madanlal jawanmalji jain - - 1.24 1.31 1.32
polar capital funds plc -... - - - 1.96 3.44
quant mutual fund - quant... 3.91 3.91 3.90 3.90 3.90
vaipan advisors private l... - - - - 1.02
hsbc flexi cap fund (vari... - - 1.01 1.01 -
investor education and pr... - - 0.33 - -
sbi life insurance co. lt... - 1.33 1.32 - -
vaipan ventures private l... - 1.01 1.03 - -
hsbc midcap fund (various... - 1.36 - - -
icici lombard general ins... 1.00 1.00 - - -
seetha kumari - 1.26 - - -
hdfc life insurance compa... 3.59 - - - -
hsbc midcap fund 2.66 - - - -
zeal global opportunities... 1.23 - - - -

Annual Reports

Title Link
Title Link
Annual Report 2024
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

TYPE AGENCY Link
TYPE AGENCY Link
Credit ICRA
Credit CARE
Credit CARE
Credit ICRA
TYPE AGENCY Link
TYPE AGENCY Link
Research Ventura
Research Nuvama
Research Edelweiss
Research Nirmal Bang Institutional

Concalls & Presentations

TYPE QUARTER Link
TYPE QUARTER Link
Concall Q4FY24
Concall Q4FY24
Concall Q4FY20
Concall Q3FY25
Concall Q3FY24
Concall Q3FY22
Concall Q3FY22
Concall Q3FY21
Concall Q3FY20
Concall Q2FY21
Concall Q2FY20
Concall Q1FY26
Concall Q1FY21
TYPE QUARTER Link
TYPE QUARTER Link
Presentation Q4FY24
Presentation Q4FY23
Presentation Q4FY22
Presentation Q4FY20
Presentation Q3FY25
Presentation Q3FY24
Presentation Q3FY21
Presentation Q3FY20
Presentation Q2FY25
Presentation Q2FY25
Presentation Q2FY24
Presentation Q2FY22
Presentation Q2FY21
Presentation Q1FY23
Presentation Q1FY22
Presentation Q1FY21

Company News

Karnataka Bank Stock Price Analysis and Quick Research Report. Is Karnataka Bank an attractive stock to invest in?

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Karnataka Bank is performing and if it is the right time to buy the stock of Karnataka Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Karnataka Bank has earned Rs 9013.604 Cr. revenue in the latest financial year. Karnataka Bank has posted decent revenue growth of 13.1523150546061% in last 3 Years.

  • In terms of advances, Karnataka Bank reported 7.0381% YOY,  rise . If you see 3 years advance growth, it stands at 10.4652869832312%.

  • Currently, Karnataka Bank has a CASA ratio of 31.7544%. It’s overall cost of liability stands at 5.3427 %. Also, the total deposits from these accounts stood at Rs 104807.4852 Cr.

  • Karnataka Bank has a healthy ROA track record. The ROA of Karnataka Bank is at 1.0735%.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of Karnataka Bank stood at 3.08% and 1.31% respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -68.9563990168141% which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Karnataka Bank decreased and is currently at Rs 1269.5127 Cr.

  • Karnataka Bank has a Good Capital Adequacy Ratio of 19.85 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Karnataka Bank is trading at a P/B of 0.569 . The historical average PB was 0.502649799865909.

One can find all the Financial Ratios of Karnataka Bank in Ticker for free. Also, one can get the intrinsic value of Karnataka Bank by using Valuation Calculators, which are available with a Finology ONE subscription. 

Karnataka Bank FAQs

Q1. What is Karnataka Bank share price today?
Ans: The current share price of Karnataka Bank is Rs 178.75.

Q2. What is the market capitalisation of Karnataka Bank?
Ans: Karnataka Bank has a market capitalisation of Rs 6754.559972875 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of Karnataka Bank?
Ans: The PE ratio of Karnataka Bank is 5.80068991702174 and the P/B ratio of Karnataka Bank is 0.568713654027384, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of Karnataka Bank share?
Ans: The 52-week high share price of Karnataka Bank is Rs 243.2, and the 52-week low share price of Karnataka Bank is Rs 162.2.

Q5. Does Karnataka Bank pay dividends?
Ans: Currently, Karnataka Bank pays dividends. Dividend yield of Karnataka Bank is around 2.7956%.

Q6. What are the face value and book value of Karnataka Bank shares?
Ans: The face value of Karnataka Bank shares is Rs 10, while the book value per share of Karnataka Bank is around Rs 314.3058. Face value is the nominal value set by the company, whereas book value reflects its accounting worth.

Q7. What are the ROE and ROCE of Karnataka Bank?
Ans: The ROE of Karnataka Bank is 11.6053% and ROCE of Karnataka Bank is 12.3483%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is Karnataka Bank a good buy for the long term?
Ans: The Karnataka Bank long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is Karnataka Bank undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the Karnataka Bank appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check Karnataka Bank’s financials?
Ans: You can review Karnataka Bank’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

Last Updated on:
Brief about Karnataka Bank
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