Market Data
Market Cap₹12,180.04 Cr.
52W High₹345.9
Current Price₹322.05
52W Low₹170.3
Down from 52W High6.9 %
Face Value₹10
Performance
ROCE40.92 %
ROE10.87 %
EPS (TTM)₹11.08
EPS Prev Qtr₹10.8
EPS Last Year₹8.44
EBITDA Qtr₹580.53 Cr.
Book Value₹350
Financial Health
Debt/Equity0.4
Debt/Profit3.71
Total Assets₹1,29,355.2 Cr.
Dividend Yield1.55 %
Earning Power1.61 %
Valuation
Stock P/E8.47
Industry P/E10.31
Price to Book0.92
Price to Sales1.35
Graham Number₹547.15
Key Metrics
Branches
976
Capital Adequacy % (Basel III)
21.1%
CASA %
32.42%
__derived
1
Face Value
₹10
Gross NPA %
2.58%
Net NPA %
0.87%
NIM %
3.2%
Provision Coverage %
84.7%
ROA % (annualised)
1.29%
Total Advances
₹86,610 Cr
Total Deposits
₹1,10,396 Cr
About Karnataka Bank Ltd
Financial Services · Banks
Karnataka Bank Ltd is listed on NSE in the Financial Services / Banks sector. Face value ₹10. Market cap ₹12,180.04 Cr.
Price Chart
Strengths & Weaknesses
Strengths
- The bank has a strong Capital Adequacy ratio of 21.1%, well above regulatory requirements.
- It maintains a healthy Net NPA ratio of 0.87%, indicating good asset quality.
- The bank boasts a high ROCE of 40.92%, reflecting efficient use of capital.
- With a CASA ratio of 32.42%, the bank has a solid low-cost deposit base.
- The Provision Coverage ratio stands at 84.7%, showing robust provisioning against potential defaults.
- The bank operates with 976 branches, providing extensive reach.
Weaknesses
- The bank has a relatively low Net Interest Margin (NIM) of 3.2%, which may impact profitability.
- The Return on Equity (ROE) is moderate at 10.87%, indicating room for improvement in shareholder returns.
- The Dividend Yield is low at 1.57%, which may not attract income-focused investors.
- The P/E ratio of 8.36 is relatively low, potentially indicating market skepticism about future growth.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| HDFC Bank Ltd | - | 13.99 | ₹11,07,124.43 Cr | 2.16% | ₹82,511.72 Cr | - | ₹3,51,818.61 Cr | - | 25.02% | 1 |
| ICICI Bank Ltd | - | 16.6 | ₹9,33,466.75 Cr | 0.92% | ₹59,489.34 Cr | - | ₹1,98,379.35 Cr | - | 28.81% | 0.61 |
| State Bank of India | - | 10.31 | ₹8,87,893.11 Cr | 1.8% | ₹88,120.87 Cr | - | ₹5,25,747.06 Cr | - | 31.79% | 1.3 |
| Kotak Mahindra Bank Ltd | - | 6.91 | ₹3,99,857.71 Cr | 0.16% | ₹20,238.55 Cr | - | ₹70,887.47 Cr | - | 20.7% | 0.53 |
| Axis Bank Ltd | - | 13.54 | ₹3,76,715.23 Cr | 0.08% | ₹27,890.16 Cr | - | ₹1,35,731.89 Cr | - | 22.33% | 1.31 |
| Union Bank of India | - | 6.35 | ₹1,31,145.34 Cr | 2.91% | ₹20,012.21 Cr | - | ₹1,07,127.36 Cr | - | 44.93% | 0.58 |
| Punjab National Bank | - | 5.87 | ₹1,29,295.61 Cr | 2.67% | ₹20,602.7 Cr | - | ₹1,31,788.93 Cr | - | 45.06% | 0.72 |
| Bank of Baroda | - | 6.49 | ₹1,17,855.34 Cr | 3.73% | ₹17,697.87 Cr | - | ₹1,36,546.33 Cr | - | 31.19% | 1.03 |
| Canara Bank | - | 5.52 | ₹1,09,664.17 Cr | 3.47% | ₹18,979.1 Cr | - | ₹1,27,805.38 Cr | - | 42.06% | 1.32 |
| Indian Bank | - | 8.47 | ₹1,08,282.43 Cr | 2.27% | ₹12,541.37 Cr | - | ₹69,314.13 Cr | - | 45.78% | 0.58 |
| IDBI Bank Ltd | - | 9.73 | ₹90,750.27 Cr | - | ₹9,318.15 Cr | - | ₹29,542.24 Cr | - | 28.56% | 0.41 |
| Federal Bank Ltd | - | 17.05 | ₹80,026.16 Cr | 0.37% | ₹4,834.22 Cr | - | ₹30,384.84 Cr | - | 33.62% | 0.86 |
| AU Small Finance Bank Ltd | - | 26.11 | ₹74,747.4 Cr | 0.1% | ₹2,856.35 Cr | - | ₹19,560.64 Cr | - | 149.65% | 3.56 |
| IndusInd Bank Ltd | - | 53.5 | ₹70,733.57 Cr | 0.17% | ₹1,322.16 Cr | - | ₹45,296.87 Cr | - | 26.82% | 0.65 |
| IDFC First Bank Ltd | - | 31 | ₹69,426.16 Cr | 0.31% | ₹2,304.91 Cr | - | ₹41,957.76 Cr | - | 26.68% | 0.77 |
| Yes Bank Ltd | - | 17.82 | ₹66,539.94 Cr | - | ₹3,775.15 Cr | - | ₹30,658.32 Cr | - | 21.74% | 1.28 |
| RBL Bank Ltd | - | 29.1 | ₹62,809.51 Cr | 0.25% | ₹899.06 Cr | - | ₹14,735.81 Cr | - | 27.86% | 1 |
| Bank of Maharashtra | - | 8.24 | ₹62,109.31 Cr | 2.72% | ₹7,448.08 Cr | - | ₹30,262.41 Cr | - | 35.86% | 1.06 |
| Indian Overseas Bank | - | 10.36 | ₹61,062.65 Cr | - | ₹5,757.71 Cr | - | ₹33,289.81 Cr | - | 29.78% | 1.4 |
| Bank of India | - | 5.04 | ₹59,389.55 Cr | 3.56% | ₹11,463.77 Cr | - | ₹77,243.58 Cr | - | 31.76% | 1.32 |
Quarterly Results
📊 Jun 2026: Revenue grew 5.4% YoY, Profit grew 43.3% YoY
| Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 2,261.28 | 2,179.18 | 2,220.05 | 2,257.32 | 2,382.65 |
| ↳ QoQ Growth | - | -3.6% | +1.9% | +1.7% | +5.6% |
| Expenses | 2,263.07 | 2,102.5 | 2,165.4 | 2,131.42 | 2,186.3 |
| Operating Profit | 467.38 | 440.13 | 451.78 | 615.13 | 580.53 |
| OPM % | 20.67% | 20.2% | 20.35% | 27.25% | 24.36% |
| Other Income | 358.37 | 343.4 | 302.28 | 398.86 | 355.48 |
| Interest | 1,505.66 | 1,451.05 | 1,427.98 | 1,414.35 | 1,444.34 |
| Depreciation | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| EBITDA Margin % | - | - | - | - | - |
| Profit Before Tax | 356.58 | 420.08 | 356.93 | 524.76 | 551.83 |
| Tax % | 17.97% | 24.01% | 18.53% | 22.2% | 24.05% |
| Net Profit | 292.5 | 319.22 | 290.78 | 408.25 | 419.12 |
| ↳ QoQ Growth | - | +9.1% | -8.9% | +40.4% | +2.7% |
| EPS | 7.74 | 8.44 | 7.69 | 10.8 | 11.08 |
Profit & Loss
| Mar 2026 | TTM | |
|---|---|---|
| Sales | 8917.83 | 9039.2 |
| Expenses | 8662.39 | 8585.62 |
| Operating Profit | 1974.42 | 2087.57 |
| OPM % | 22.14% | 23.09% |
| Other Income | 1402.91 | 1400.02 |
| Interest | 5799.04 | 5737.72 |
| Depreciation | - | - |
| Profit Before Tax | 1658.35 | 1853.6 |
| Tax % | 20.96% | 22.46% |
| Net Profit | 1310.75 | 1437.37 |
| EPS | 34.67 | 38.01 |
Compounded Sales Growth
10Y
-
5Y
-
3Y
-
TTM
-
Compounded Profit Growth
10Y
-
5Y
-
3Y
-
TTM
-
Stock Price CAGR
10Y
-
5Y
-
3Y
-
1Y
88.33%
Return on Equity
10Y
-
5Y
-
3Y
-
Last Year
10.87%
Balance Sheet
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 377.95 | 378.1914 |
| Reserves | 11706.88 | 12846.027 |
| Borrowings | 1940.55 | 5328.9956 |
| Other Liabilities | 106935.07 | 110801.99 |
| Total Liabilities | 120960.45 | 129355.2 |
| Fixed Assets | 990.67 | 1051.5356 |
| CWIP | - | 8.6239 |
| Investments | 24534.76 | 26737.053 |
| Other Assets | 95435.02 | 101557.99 |
| Total Assets | 120960.45 | 129355.2 |
Cash Flows
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Cash from Operating Activity | 209.5537 | 1100.1008 |
| Cash from Investing Activity | -690.5853 | -87.8213 |
| Cash from Financing Activity | 412.0639 | -1260.3604 |
| Net Cash Flow | -68.9677 | -248.0809 |
Ratios
| Mar 2026 | |
|---|---|
| Debtor Days | - |
| Inventory Days | - |
| Days Payable | - |
| Cash Conversion Cycle | - |
| Working Capital Days | 5076.3 |
| ROCE % | 1.59% |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 0% | 0% | 0% | 0% |
| FIIs % | 14.6% | 11.7% | 11.79% | 13.1% |
| DIIs % | 16.11% | 15.84% | 16.16% | 15.74% |
| Public % | 59.72% | 61.87% | 59.19% | 57.48% |
| No. of Shareholders | 4,10,790 | 4,10,590 | 3,93,841 | 3,74,587 |
Major Shareholders (>1%)
- Quant Mutual Fund - Quant Small Cap FundPublic Shareholding3.90%
- Hdfc Life Insurance Company LimitedPublic Shareholding3.57%
- Bandhan Small Cap FundPublic Shareholding3.28%
- B Sumanthkumar Reddy .Public Shareholding1.56%
As of 2026-06-30View all shareholders →