Karnataka Bank
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Karnataka Bank share price

The Karnataka Bank Ltd.

NSE: KTKBANK BSE: 532652 SECTOR: Bank - Private  1.3 L   400   98

173.00
-0.65 (-0.37%)
NSE: Today, 11:14 AM

Price Summary

Today's High

₹ 175

Today's Low

₹ 172.73

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

₹ 6535.98 Cr.

CASA %

31.97

No. of Shares

37.78 Cr.

P/E

5.14

P/B

0.56

Face Value

₹ 10

Div. Yield

2.87 %

Book Value (TTM)

₹  306.67

Net Interest Income

₹ 3298.73 Cr.

Cost To Income %

53.15

Promoter Holding

0 %

EPS (TTM)

₹  33.68

CAR %

18

ROE

14.48 %

ROCE

14.25%

Profit Growth

10.68 %

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* 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 Year14.48%
3 Year12.96%
5 Year11.02%

ROA%

1 Year1.21%
3 Year1.01%
5 Year0.83%

Net NPA%

1 Year1.58%
3 Year1.9%
5 Year2.39%

 NIM

1 Year3.18%
3 Year3.24%
5 Year3.03%

CAR %

18

Cost of Liabilities %

4.8799

PEG Ratio

NA

Advances Growth %

19.2772

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 12.9598%.
  • The company has been consistently maintaining a NIM of 3.24366666666667% since last 3 years.
  • Good Capital Adequacy Ratio of 18%.
  • The company has delivered good Profit growth of 39.3667938615639% over the past 3 years.

 Limitations

  • CASA Growth of -1.0033% YoY, which is very low.
  • High Cost to income ratio of 53.1512%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Interest Earned 2200.56 2277.99 2234.13 2243.02 2258.46
Other Income 419.41 279.01 269.92 292.36 428.23
Interest Expended 1366.53 1374.63 1400.57 1450.24 1477.78
Operating Expenses 753.65 623.78 643.12 652.07 833.89
Total Provisions 184.73 40.26 31.33 83.77 31.08
Profit Before Tax 315.06 518.33 429.03 349.3 343.94
Tax 40.82 118 92.96 65.7 91.57
Net Profit 274.24 400.33 336.07 283.6 252.37
Net NPA % 1.58 1.66 1.46 1.39 1.31
Gross NPA % 3.53 3.54 3.21 3.11 3.08
Return on Assets % 0.92 1.38 1.13 0.92 0.81
NPM % 12.46 17.57 15.04 12.64 11.17

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 6474.77 6232.41 6221.66 7220.23 8298.51
Other Income 1261.63 1404.2 953.88 992.58 1318.92
Interest Expended 4444.41 4049.23 3730.63 4035.13 4999.78
Operating Expenses 1635.22 1679.11 1810.92 1969.45 2454.34
Total Provisions 1134.74 1296.35 939.44 767.18 600.58
Profit Before Tax 522.03 611.93 694.56 1441.04 1562.73
Taxes 90.25 129.36 185.94 260.8 256.45
Net Profit 431.78 482.57 508.62 1180.24 1306.28
Adjusted EPS (Rs.) 13.89 15.52 16.35 37.79 34.63

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 310.88 310.88 311.17 312.35 377.26
Total Reserves 5659.56 6331.48 6783.5 7900.95 10470.28
Deposits 71785.15 75654.86 80386.85 87368.01 98057.83
Borrowings 4065.12 1764.88 2313.84 1562.72 4399.53
Other Liabilities 1492.77 1553.33 1788.57 1914.25 2778.71
Total Liabilities 83313.49 85615.43 91583.99 99058.34 116084.57
Assets
Balance with RBI 2756.05 4866.15 3957.22 5204.23 7656.07
Balance with Banks 163.44 449.42 479.54 955.23 336.67
Investments 17545.34 21635.19 22041 23326.37 24302.05
Advances 56964.27 51515.85 56783.14 59951.62 71508.64
Net Block 826.42 837.85 805 846.08 914.64
Other Assets 5057.96 6310.47 7504.94 8745.66 11366.5
Total Assets 83313.49 85615.43 91583.99 99058.34 116084.57
* 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 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

The Karnataka Bank reports 8% fall in Q4 consolidated net profit 17 May, 5:40 PM Karnataka Bank - Quaterly Results 14 May, 6:23 PM Karnataka Bank - Quaterly Results 14 May, 6:23 PM Karnataka Bank - Quaterly Results 31 Jan, 4:29 PM Karnataka Bank - Quaterly Results 31 Jan, 4:29 PM Karnataka Bank - Quaterly Results 31 Jan, 4:29 PM Karnataka Bank informs about analyst meet 18 Dec, 5:25 PM Karnataka Bank launches first Retail Assets Centre in Bengaluru 11 Dec, 10:42 AM Karnataka Bank - Quaterly Results 23 Oct, 3:56 PM Karnataka Bank - Quaterly Results 23 Oct, 3:56 PM Karnataka Bank - Quaterly Results 23 Oct, 3:56 PM Karnataka Bank launches credit line on UPI in partnership with Navi Technologies 22 Aug, 3:40 PM Karnataka Bank launches Credit Line on UPI 14 Aug, 9:37 AM Karnataka Bank reports 8% rise in Q1 net profit 25 Jul, 10:57 AM Karnataka Bank - Quaterly Results 24 Jul, 3:58 PM Karnataka Bank - Quaterly Results 24 Jul, 3:58 PM Karnataka Bank - Quaterly Results 24 Jul, 3:58 PM Karnataka Bank launches KBL WISE senior citizen savings account 15 Jun, 12:52 PM Karnataka Bank - Quaterly Results 24 May, 5:21 PM Karnataka Bank - Quaterly Results 24 May, 5:21 PM Karnataka Bank - Quaterly Results 24 May, 5:21 PM RBI imposes monetary penalty on Karnataka Bank 18 May, 9:28 AM Karnataka Bank expands collaboration with FISDOM 11 Apr, 12:33 PM Karnataka Bank informs about unaudited interim financial statements 12 Mar, 9:45 AM Karnataka Bank enters into MoU with Northern Arc Capital 30 Jan, 9:49 AM Karnataka Bank reports 10% rise in Q3 consolidated net profit 24 Jan, 12:20 PM Karnataka Bank - Quaterly Results 23 Jan, 4:06 PM Karnataka Bank - Quaterly Results 23 Jan, 4:06 PM Karnataka Bank - Quaterly Results 23 Jan, 4:06 PM Karnataka Bank informs about allotment of equity shares 17 Jan, 3:42 PM Karnataka Bank opens 915th Branch in Ayodhya 12 Jan, 11:27 AM Karnataka Bank partners with Digivriddhi 10 Jan, 9:46 AM Karnataka Bank enters into co-lending agreement with Satin Creditcare Network 5 Jan, 4:21 PM Karnataka Bank enters into strategic corporate tie-up with Bajaj Allianz Life Insurance Company 23 Nov, 4:56 PM Karnataka Bank enters into strategic corporate tie-up with HDFC Life 20 Nov, 4:25 PM Karnataka Bank - Quaterly Results 2 Nov, 2:20 PM Karnataka Bank - Quaterly Results 2 Nov, 2:20 PM Karnataka Bank - Quaterly Results 2 Nov, 2:20 PM Karnataka Bank informs about disclosure 16 Oct, 5:18 PM Karnataka Bank informs about compliance certificate 6 Oct, 3:28 PM Karnataka Bank launches new corporate salary account schemes 4 Oct, 11:09 AM Karnataka Bank reports over 3-fold jump in Q1 consolidated net profit 3 Aug, 4:30 PM Karnataka Bank - Quaterly Results 3 Aug, 2:37 PM Karnataka Bank - Quaterly Results 3 Aug, 2:37 PM Karnataka Bank - Quaterly Results 3 Aug, 2:37 PM Karnataka Bank inaugurates ‘Technology & Digital Hub’ at Bengaluru 6 Jul, 9:29 AM Karnataka Bank informs about disclosure 3 Jul, 4:33 PM Karnataka Bank informs about disclosure 21 Jun, 4:28 PM Karnataka Bank informs about loss of share certificate 21 Jun, 4:10 PM Karnataka Bank - Quaterly Results 26 May, 8:15 PM

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.

Karnataka Bank stock price today is Rs 173. 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 8298.5095 Cr. revenue in the latest financial year. Karnataka Bank has posted decent revenue growth of 10.0138853633789 % in last 3 Years.

  • In terms of advances, Karnataka Bank reported 19.2772 % YOY,  rise . If you see 3 years advance growth, it stands at 11.5507672632726 %.

  • Currently, Karnataka Bank has a CASA ratio of 31.9688 %. It’s overall cost of liability stands at 4.8799 %. Also, the total deposits of Karnataka Bank from these accounts stood at Rs 98057.8271 Cr.

  • Karnataka Bank has a healthy ROA track record. The ROA of Karnataka Bank is at 1.2143 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 3.53 % and 1.58 % 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 -21.7163740982588 % 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 surged and is currently at Rs 1318.9168 Cr.

  • Karnataka Bank has a Good Capital Adequacy Ratio of 18 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Karnataka Bank is trading at a P/B of 0.5687 . The historical average PB of Karnataka Bank was 0.435714457884343.

  • Share Price: - The current share price of Karnataka Bank is Rs 173. One can use valuation calculators of ticker to know if Karnataka Bank share price is undervalued or overvalued.

Last Updated on:
Brief about Karnataka Bank

The Karnataka Bank Ltd. Financials: Check Share Price, Balance Sheet, Annual Report, Quarterly Results, Shareholding, Company Profile and News for Company Analysis

The Karnataka Bank Ltd., established in 1924, is a leading private sector bank in India. Headquartered in Mangalore, Karnataka, the bank offers a wide range of banking and financial services to its customers, including retail banking, corporate banking, and agricultural banking. With a strong customer base and a robust presence across the country, the Karnataka Bank has established itself as a trusted name in the banking industry.

The Karnataka Bank Ltd. - Share Price

The share price of The Karnataka Bank Ltd. represents the value of the company's stock in the financial markets. The share price is influenced by various factors such as the company's financial performance, market sentiment, industry trends, and macroeconomic conditions. Investors can track the share price of The Karnataka Bank Ltd. on our website using our pre-built screening tools, which provide real-time information and analysis.

The Karnataka Bank Ltd. - Balance Sheet

The balance sheet of The Karnataka Bank Ltd. provides a snapshot of the company's financial position at a specific point in time. It reflects the company's assets, liabilities, and shareholders' equity. Investors can access the balance sheet of The Karnataka Bank Ltd. on our website, along with premium features such as fair value calculation using tools like DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

The Karnataka Bank Ltd. - Annual Report

The annual report of The Karnataka Bank Ltd. is a comprehensive document that provides detailed information about the company's performance, strategy, and outlook for the future. It includes financial statements, management discussion and analysis, and other relevant information. Investors can download the annual report of The Karnataka Bank Ltd. from our website for a deeper understanding of the company's operations and financials.

The Karnataka Bank Ltd. - Dividend

Dividends are a distribution of a portion of a company's earnings to its shareholders. The Karnataka Bank Ltd. has a track record of consistently paying dividends to its shareholders. Investors can stay updated on the dividend history of The Karnataka Bank Ltd. through our website, which provides information on dividend announcements and payouts.

The Karnataka Bank Ltd. - Quarterly Results

The quarterly results of The Karnataka Bank Ltd. provide insights into the company's performance and financial health on a quarterly basis. Investors can access the quarterly results of The Karnataka Bank Ltd. on our website, along with premium features that allow fair value calculation using tools like DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

The Karnataka Bank Ltd. - Stock Price

The stock price of The Karnataka Bank Ltd. represents the market value of the company's stock. It is determined by the forces of supply and demand in the financial markets. Investors can track the stock price of The Karnataka Bank Ltd. on our website using our pre-built screening tools, which provide real-time information and analysis.

The Karnataka Bank Ltd. - Price Chart

The price chart of The Karnataka Bank Ltd. visually represents the historical price movement of the company's stock over a specific period. Investors can analyze the price chart of The Karnataka Bank Ltd. on our website to identify patterns, trends, and potential investment opportunities.

The Karnataka Bank Ltd. - News

Stay updated with the latest news and updates about The Karnataka Bank Ltd. on our website. Our platform provides a comprehensive collection of news articles, press releases, and market updates related to the company. Investors can rely on our website to access timely and relevant news to make informed investment decisions.

The Karnataka Bank Ltd. - Concall Transcripts

Concall transcripts provide a detailed record of the conference calls conducted by The Karnataka Bank Ltd. with analysts and investors. These transcripts offer valuable insights into the company's performance, future plans, and management's perspective. Investors can download the concall transcripts of The Karnataka Bank Ltd. from our website for a better understanding of the company's strategies and outlook.

The Karnataka Bank Ltd. - Investor Presentations

Investor presentations are an effective medium through which The Karnataka Bank Ltd. communicates its strategies, performance, and future plans to the investor community. These presentations provide a comprehensive overview of the company's operations, financials, and growth prospects. Investors can access the investor presentations of The Karnataka Bank Ltd. on our website to gain deeper insights into the company's business.

The Karnataka Bank Ltd. - Promoters

The promoters of The Karnataka Bank Ltd. are the individuals, groups, or entities who founded and established the bank. They play a significant role in shaping the company's strategy, vision, and direction. Investors can find information about the promoters of The Karnataka Bank Ltd. on our website, along with other key details about their involvement in the company.

The Karnataka Bank Ltd. - Shareholders

Shareholders of The Karnataka Bank Ltd. are the individuals or entities that own shares of the company's stock. They have a stake in the company's ownership and are entitled to certain rights such as voting rights and dividends. Investors can access information about the shareholders of The Karnataka Bank Ltd. on our website, including details about institutional investors, mutual funds, and individual shareholders.

At our website, we strive to provide comprehensive and up-to-date information for long-term stock investors seeking stock analysis. Our pre-built screening tools, downloadable reports, and premium features like fair value calculation tools make it easier for investors to understand and analyze the performance and potential of The Karnataka Bank Ltd.

Note: The article does not include any numbers or financial data points about the stock. 

The Karnataka Bank's Steady Reserves Increase

Between March 2020 and March 2024, The Karnataka Bank's total reserves have increased significantly, from Rs 5,659.56 Cr. to Rs 10,470.28 Cr. This upward trajectory in the bank's reserves demonstrates sustained profitability and an accumulation of surplus which bolsters the bank's financial robustness.

The Karnataka Bank's Liability and Asset Fluctuations

An analysis of The Karnataka Bank's Balance Sheet reveals a striking shift in liabilities over the same period. While deposits, the core liability for any bank, have burgeoned from Rs 71,785.15 Cr. to Rs 98,057.83 Cr., indicating robust growth in customer trust and deposits, borrowing levels have fluctuated reaching Rs 4,399.53 Cr. in March 2024. This showcases a strategic approach to debt management.

The Karnataka Bank's Agile Asset Management

Assets have kept pace with liabilities, ensuring a balanced sheet with total assets matching liabilities at Rs 1,16,084.57 Cr. in March 2024. Notable growth can be seen in 'advances' which form a considerable portion of the asset base, going from Rs 56,964.27 Cr. in March 2020 to Rs 71,508.64 Cr. in March 2024. This reflects The Karnataka Bank's strong lending portfolio and its active role in credit provision.

All figures presented here are derived from the Standalone Balance Sheet analysis of The Karnataka Bank.

The bank's performance is essential for sector-based investors and market watchers who keenly monitor entities listed on NSE/BSE indices to gauge the health and trends within the financial services sector.

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