KTKBANK - Karnataka Bank Ltd. Share Price

Banks

₹201.31+1.25(+0.62%)

Market Closed as of Apr 28, 2025, 15:30 IST

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

Pros

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

Momentum: Stock price has a strong positive momentum. Stock is up 14.5% in last 30 days.

Dividend: Dividend paying stock. Dividend yield of 3.04%.

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

Balance Sheet: Strong Balance Sheet.

Cons

Smart Money: Smart money looks to be reducing their stake in the stock.

Dilution: Company has a tendency to dilute it's stock investors.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Sector Comparison: KTKBANK vs Banks

Comprehensive comparison against sector averages

Comparative Metrics

KTKBANK metrics compared to Banks

Category	KTKBANK	Banks
PE	5.84	17.79
PS	0.74	2.80
Growth	9.2 %	15 %

Performance Comparison

KTKBANK vs Banks (2021 - 2025)

Key Insights

1. KTKBANK is NOT among the Top 10 largest companies in Private Sector Bank.
2. The company holds a market share of 0.8% 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

Standalone figures (in Rs. Crores) / View Consolidated Data

QuarterlyAnnual

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Interest or discount on advances or bills	-0.6%	1,759	1,770	1,715	1,733	1,657	1,596
Revenue on investments	-2.5%	347	356	383	383	383	371
Interest on balances with RBI and others	50%	19	13	4.75	0.66	4.43	6.89
Other interest	24.5%	118	95	175	84	68	52
Total interest earned	0.4%	2,243	2,234	2,278	2,201	2,113	2,027
Other income	8.2%	292	270	279	419	326	250
Total income	1.2%	2,535	2,504	2,557	2,620	2,439	2,276
Total expenditure	2.8%	2,102	2,044	1,998	2,120	1,898	1,754
Interest expended	3.5%	1,450	1,401	1,375	1,367	1,285	1,204
Employees cost	-2%	343	350	320	437	336	307
Other operating expenses	5.5%	309	293	304	317	277	243
Operating expenses	1.4%	652	643	624	754	613	550
Operating profit	-5.9%	433	460	559	500	540	522
Provisions other than tax and contingencies	176.7%	84	31	40	185	144	120
Profit before tax	-18.7%	349	429	518	315	396	402
Tax expense	-29.3%	66	93	118	41	65	72
Profit after tax	-15.5%	284	336	400	274	331	330
Net profit (loss) for the period	-15.5%	284	336	400	274	331	330
Reserve excluding revaluation reserves	-	-	-	-	9,966	-	-
CET 1 ratio	0.1%	0.1764	0.1758	0.1764	0.1617	0.1588	0.162
Gross non performing assets	0.2%	2,419	2,415	2,668	2,578	2,537	2,324
Non performing assets	-1.8%	1,064	1,083	1,228	1,129	1,060	889
Return on assets	-	0	0	0.0138	096	0.0121	0.0127

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020	Mar-2019
Interest or discount on advances or bills	16.8%	6,525	5,585	4,738	4,937	5,156	4,698
Revenue on investments	5.5%	1,500	1,422	1,310	1,142	1,160	1,106
Interest on balances with RBI and others	2831%	18	1.58	32	30	45	17
Other interest	21%	255	211	142	123	114	86
Total interest earned	14.9%	8,298	7,220	6,222	6,232	6,475	5,906
Other income	32.9%	1,319	993	954	1,495	1,396	1,002
Total income	17.1%	9,617	8,213	7,176	7,727	7,871	6,908
Total expenditure	24.1%	7,454	6,005	5,542	5,728	6,214	5,458
Interest expended	23.9%	5,000	4,035	3,731	4,049	4,444	4,001
Employees cost	28.5%	1,373	1,069	1,015	913	897	606
Other operating expenses	20.1%	1,081	900	796	766	873	852
Operating expenses	24.6%	2,454	1,969	1,811	1,679	1,770	1,457
Operating profit	-2%	2,163	2,208	1,634	1,999	1,657	1,450
Provisions other than tax and contingencies	-21.7%	601	767	939	1,387	1,135	842
Profit before tax	8.5%	1,563	1,441	695	612	522	608
Tax expense	-1.9%	256	261	186	129	90	131
Profit after tax	10.7%	1,306	1,180	509	483	432	477
Net profit (loss) for the period	10.7%	1,306	1,180	509	483	432	477
CET 1 ratio	-1.6%	0.1617	0.1745	0.1566	0.1485	0.1266	0.1317
Gross non performing assets	12.4%	2,578	2,293	2,251	2,588	2,800	2,456
Non performing assets	10.6%	1,129	1,021	1,377	1,642	1,755	1,617
Return on assets	0%	0.0122	0.0121	056	057	053	064

Consolidated figures (in Rs. Crores) / View Standalone Data

QuarterlyAnnual

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Interest or discount on advances or bills	-0.6%	1,759	1,770	1,715	1,733	1,657	1,596
Revenue on investments	-2.5%	347	356	383	383	383	371
Interest on balances with RBI and others	50%	19	13	4.75	0.66	4.43	6.89
Other interest	24.5%	118	95	175	84	68	52
Total interest earned	0.4%	2,243	2,234	2,278	2,201	2,113	2,027
Other income	10.8%	299	270	279	419	326	250
Total income	1.5%	2,542	2,504	2,557	2,620	2,439	2,276
Total expenditure	3.2%	2,109	2,043	1,998	2,120	1,898	1,754
Interest expended	3.5%	1,450	1,401	1,375	1,367	1,285	1,204
Employees cost	-2%	346	353	323	440	339	309
Other operating expenses	8%	313	290	301	314	274	241
Operating expenses	2.5%	659	643	624	754	613	550
Operating profit	-6.1%	433	461	559	500	540	522
Provisions other than tax and contingencies	176.7%	84	31	40	185	144	120
Profit before tax	-18.7%	349	429	518	315	396	402
Tax expense	-29.3%	66	93	118	41	65	72
Profit after tax	-15.5%	284	336	400	274	331	330
Net profit (loss) for the period	-15.5%	284	336	400	274	331	330
Reserve excluding revaluation reserves	-	-	-	-	9,965	-	-
CET 1 ratio	0.1%	0.1764	0.1758	0.1764	0.1617	0.1588	0.162
Gross non performing assets	0.2%	2,419	2,415	2,668	2,578	2,537	2,324
Non performing assets	-1.8%	1,064	1,083	1,228	1,129	1,060	889
Return on assets	-	0	0	0.0138	096	0.0121	0.0127

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020	Mar-2019
Interest or discount on advances or bills	16.8%	6,525	5,585	4,738	4,937	-	-
Revenue on investments	5.5%	1,500	1,422	1,310	1,142	-	-
Interest on balances with RBI and others	2831%	18	1.58	32	30	-	-
Other interest	21%	255	211	142	123	-	-
Total interest earned	14.9%	8,298	7,220	6,222	6,232	-	-
Other income	32.9%	1,319	993	954	1,495	-	-
Total income	17.1%	9,617	8,213	7,176	7,727	-	-
Total expenditure	24.1%	7,454	6,005	5,542	5,728	-	-
Interest expended	23.9%	5,000	4,035	3,731	4,049	-	-
Employees cost	28.8%	1,382	1,073	1,016	913	-	-
Other operating expenses	19.5%	1,072	897	795	766	-	-
Operating expenses	24.6%	2,454	1,970	1,812	1,679	-	-
Operating profit	-2%	2,164	2,208	1,633	1,999	-	-
Provisions other than tax and contingencies	-21.7%	601	767	939	1,387	-	-
Profit before tax	8.5%	1,563	1,440	694	612	-	-
Tax expense	-1.9%	256	261	186	129	-	-
Profit after tax	10.8%	1,307	1,180	508	482	-	-
Net profit (loss) for the period	10.8%	1,307	1,180	508	482	-	-
CET 1 ratio	-1.6%	0.1617	0.1745	0.1566	0.1485	-	-
Gross non performing assets	12.4%	2,578	2,293	2,251	2,588	-	-
Non performing assets	10.6%	1,129	1,021	1,377	1,642	-	-
Return on assets	0%	0.0122	0.0121	056	057	-	-

Balance Sheet for Karnataka Bank

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022	Mar-2022
Total assets	1000240000%	1,161,113,400,000	116,085	105,856	99,058	97,964	92,041
Cash balances with RBI	-3.4%	7,392	7,656	6,442	5,204	4,972	3,957
Investments	-11.7%	21,460	24,302	23,958	23,326	23,758	22,041
Advances	3.4%	73,952	71,509	65,422	59,952	59,872	56,783
Fixed assets	3.4%	946	915	875	875	855	818
Other assets	4.8%	11,915	11,366	8,715	8,746	8,461	7,961
Capital	0.3%	378	377	313	312	311	311
Reserves and surplus	6.6%	11,167	10,471	8,449	7,901	7,242	6,784
Deposits	1.9%	99,968	98,058	89,532	87,368	81,634	80,387
Borrowings	-44.7%	2,432	4,400	5,324	1,563	5,944	2,314
Other liabilities and provisions	-22.1%	2,166	2,779	2,239	1,914	2,833	2,245
Total capital and liabilities	0%	116,111	116,085	105,856	99,058	97,964	92,041

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022	Mar-2022
Total assets	1000240000%	1,161,100,000,000	116,083	105,855	99,057	97,963	92,040
Cash balances with RBI	-3.4%	7,392	7,656	6,442	5,204	4,972	3,957
Investments	-11.7%	21,459	24,300	23,956	23,325	23,757	22,040
Advances	3.4%	73,952	71,509	65,422	59,952	59,872	56,783
Fixed assets	3.4%	946	915	876	875	855	818
Other assets	4.8%	11,916	11,367	8,715	8,746	8,461	7,962
Capital	0.3%	378	377	313	312	311	311
Reserves and surplus	6.6%	11,166	10,470	8,447	7,900	7,241	6,783
Deposits	1.9%	99,967	98,057	89,532	87,368	81,633	80,387
Borrowings	-44.7%	2,432	4,400	5,324	1,563	5,944	2,314
Other liabilities and provisions	-22%	2,167	2,779	2,239	1,914	2,833	2,245
Total capital and liabilities	0%	116,110	116,083	105,855	99,057	97,963	92,040

Cash Flow for Karnataka Bank

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022
Profit Before Extraord. Items And Tax	8.5%	1,563	1,441	695
Depreciation	-80.9%	72	372	193
Total adjustments to profit/loss	-84.6%	58	372	194
Change in trade receivables	-	0	0	-6,561.33
Adjustments for Provisions	-21.7%	601	767	939
Total adj. for working capital	-366.1%	-858.4	324	-1,116.32
Net Cashflows From Operations	-64.4%	762	2,137	-227.99
Income taxes paid (refund)	30.4%	400	307	239
Net Cashflows From Operating Activities	-80.3%	362	1,830	-467.03
Proceeds from sales of tangible assets	-112.7%	0.9	1.79	0.66
Purchase of tangible assets	26.1%	112	89	57
Net Cashflows From Investing Activities	-26.8%	-111.1	-87.41	-56.36
Proceeds from issuing shares	29500.8%	1,484	6.01	1.25
Proceeds from borrowings	158.2%	254	99	-300.71
Dividends paid	25%	156	125	56
Net Cashflows From Financing Activities	7642.9%	1,582	-19.96	-355.42
Net change in cash and cash eq.	6.4%	1,833	1,723	-878.81

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022
Profit Before Extraord. Items And Tax	8.5%	1,563	1,440	694
Finance costs	-	72	0	0
Depreciation	-100.3%	0	372	193
Total adjustments to profit/loss	-84.6%	58	372	194
Change in trade receivables	-	0	0	-6,561.58
Adjustments for Provisions	-21.7%	601	767	939
Total adj. for working capital	-366.2%	-858.77	324	-1,116.12
Net Cashflows From Operations	-64.4%	762	2,137	-228.4
Income taxes paid (refund)	30.4%	400	307	239
Net Cashflows From Operating Activities	-80.3%	362	1,830	-467.45
Proceeds from sales of tangible assets	-	0	0	0.66
Purchase of tangible assets	26.1%	112	89	57
Proceeds from sales of intangible assets	-117.7%	0.86	1.79	0
Net Cashflows From Investing Activities	-26.8%	-111.2	-87.52	-56.44
Proceeds from issuing shares	26832.8%	1,485	6.51	1.75
Proceeds from borrowings	158.2%	254	99	-300.71
Dividends paid	25%	156	125	56
Net Cashflows From Financing Activities	7827.3%	1,582	-19.46	-354.92
Net change in cash and cash eq.	6.4%	1,833	1,723	-878.81

Share Holdings

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

Holding Pattern

Major Shareholders

Share Holding Details

As of 2025-03-31

Shareholder Name	Holding %
QUANT MUTUAL FUND - QUANT SMALL CAP FUND	3.9%
HDFC LIFE INSURANCE COMPANY LIMITED (VARIOUS SCHEMES)	3.59%
B SUMANTHKUMAR REDDY	2.09%
POLAR CAPITAL FUNDS PLC - EMERGING MARKET STARS FUND	1.96%
BANDHAN SMALL CAP FUND (VARIOUS SCHEMES)	1.81%
BAJAJ ALLIANZ LIFE INSURANCE COMPANY LTD.	1.55%
MADANLAL JAWANMALJI JAIN	1.31%
HSBC FLEXI CAP FUND (VARIOUS SCHEMES)	1.01%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Revenue Breakdown

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

Revenue

Last Updated: Dec 31, 2024

Description	Share	Value
Retail Banking	45.5%	1.2 kCr
Corporate Banking	35.1%	892.1 Cr
Treasury Operations	15.8%	401 Cr
Other Banking Operations	3.0%	76.3 Cr
Unallocated	0.7%	16.8 Cr
Total		2.5 kCr

Investor Care
Dividend Yield	3.04%
Dividend/Share (TTM)	5.5
Shares Dilution (1Y)	8.98%
Diluted EPS (TTM)	34.78

Financial Health
Debt/Equity	0.00
Debt/Cashflow	0.00

Valuation
Market Cap	7.61 kCr
Price/Earnings (Trailing)	5.88
Price/Sales (Trailing)	0.74
EV/EBITDA	1.06
Price/Free Cashflow	21.43
MarketCap/EBT	4.72

Fundamentals
Revenue (TTM)	10.22 kCr
Rev. Growth (Yr)	4.24%
Rev. Growth (Qtr)	1.52%
Earnings (TTM)	1.29 kCr
Earnings Growth (Yr)	-14.39%
Earnings Growth (Qtr)	-15.67%

Profitability
Operating Margin	19.1%
EBT Margin	15.77%
Return on Equity	1.12%
Return on Assets	0.01%
Free Cashflow Yield	4.67%

Price to Sales Ratio

Latest reported: ₹1

Revenue (Last 12 mths)

Latest reported: ₹1 kCr

Net Income (Last 12 mths)

Latest reported: ₹1 kCr

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
FEDERALBNK	Federal BankPrivate Sector Bank	49.05 kCr	31.02 kCr	+3.68%	+27.20%	12.06	1.58	+22.08%	+4.39%
KARURVYSYA	Karur Vysya BankPrivate Sector Bank	17.57 kCr	11.3 kCr	+4.33%	+14.17%	9.33	1.56	-	-
CUB	City Union BankPrivate Sector Bank	13.23 kCr	6.5 kCr	+13.57%	+11.39%	12.13	2.04	+10.39%	+11.39%
RBLBANK	RBL BankPrivate Sector Bank	12.59 kCr	17.56 kCr	+19.35%	-21.97%	17.56	0.71	+15.60%	-43.09%
SOUTHBANK	South Indian BankPrivate Sector Bank	6.69 kCr	10.98 kCr	+10.84%	-16.03%	5.36	0.61	+11.75%	+11.79%

KTKBANK - Karnataka Bank Ltd. Share Price

What does Karnataka Bank Ltd. do?

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

Investor Care

Financial Health

Valuation

Fundamentals

Profitability

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)