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The Karnataka Bank Ltd.

BankBank - Private

www.karnatakabank.bank.in BSE: 532652NSE: KTKBANK

₹299.10BSE5.84%

23 Oct, 10:43 AM

₹299.10

₹11.86K Cr

8.25

0.91

10.82%

₹317.65

₹295.90

₹345.90

₹173.85

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Price Performance

Peer Comparison

Name
HDFC BANK HDFCBANK	689.80	13.35	10,64,205.22	2.24	21,537.09	5.76%	95,131.63	9.35%	12.81
ICICI BANK ICICIBANK	1,392.00	16.96	9,99,465.60	0.86	17,311.87	21.43%	55,991.91	16.21%	16.51
KOTAK MAH.BK KOTAKBANK	432.10	21.45	4,29,847.95	0.15	5,487.06	23.89%	18,354.57	6.41%	12.05
AXIS BANK AXISBANK	1,207.00	12.56	3,75,849.36	0.08	7,649.70	37.65%	38,087.48	17.88%	11.04
FEDERAL BANK FEDERALBNK	346.15	16.53	85,599.21	0.35	1,564.06	53.42%	8,382.84	16.17%	10.98
IDBI BANK L IDBI	77.25	10.34	83,062.31	0.00	2,226.24	-31.31%	8,519.33	19.84%	14.76
AUBANK AUBANK	931.70	39.12	70,042.64	0.11
The Karnataka Bank Ltd. KTKBANK	299.10	8.25	11,858.35	1.60	419.12	43.29%	2,382.65	5.37%	11.02

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	2,200.56	2,277.99	2,234.13	2,243.02	2,258.46	2,261.28	2,179.18	2,220.05	2,257.32	2,382.65
Expenses	753.56	623.71	642.92	658.75	827.02	646.61	631.40	642.57	626.70	713.26
	499.88	558.66	460.56	433.04	375.31	467.38	440.13	451.78	615.13	580.53
	22.72%	24.52%	20.61%	19.31%	16.62%	20.67%	20.20%	20.35%	27.25%	24.36%
Provisions and Contingencies	184.72	40.26	31.33	83.79	31.06	110.80	20.05	94.85	90.37	28.70
	419.41	279.01	269.92	299.00	421.64	358.37	343.40	302.28	398.86	355.48
Interest	1,366.53	1,374.63	1,400.57	1,450.23	1,477.77	1,505.66	1,451.05	1,427.98	1,414.35	1,444.34
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	315.16	518.40	429.23	349.25	344.25	356.58	420.08	356.93	524.76	551.83
	12.92%	22.76%	21.66%	18.81%	26.62%	17.97%	24.01%	18.53%	22.20%	24.05%
	274.43	400.43	336.24	283.55	252.62	292.50	319.22	290.78	408.25	419.12
	7.27	10.61	8.90	7.50	6.68	7.74	8.44	7.69	10.79	11.08

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
I. INCOME
Interest Earned	6,221.66	7,220.23	8,298.51	9,013.60	8,917.83
	953.88	992.58	1,318.97	1,269.57	1,402.91
	7,175.54	8,212.81	9,617.48	10,283.18	10,320.74
II. EXPENDITURE
Interest Expended	3,730.62	4,035.12	4,999.77	5,703.20	5,799.04
Operating Expenses	1,811.55	1,970.02	2,454.16	2,752.40	2,547.28
Provisions and Contingencies	939.44	767.18	600.49	186.50	316.07
	693.93	1,440.48	1,563.07	1,641.08	1,658.35
Taxes	185.94	260.80	256.45	368.23	347.60
	507.99	1,179.68	1,306.62	1,272.85	1,310.75
Extra items				0.00	0.00
Consolidated Net Profit	507.99	1,179.68	1,306.62	1,272.85	1,310.75
IV. APPROPRIATIONS	593.36	1,314.76	1,471.23	1,481.66	1,499.76
Equity Dividend %	40.00%	50.00%	55.00%	50.00%	50.00%
	16.33	37.77	34.64	33.68	34.66
Adjusted EPS	16.33	37.77	34.64	33.68	34.66

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
SOURCES OF FUNDS:
	311.17	312.35	377.26	377.95	378.19
Share Warrants & Outstandings	0.05	0.05	0.96	1.54	1.31
Total Reserves	6,782.77	7,899.66	10,469.31	11,705.35	12,844.72
Reserve excluding Revaluation Reserve	6,323.81	7,389.22	9,964.49	11,206.15	12,264.31
Revaluation Reserves	458.95	510.44	504.82	499.20	580.41
Deposits	80,386.74	87,367.91	97,987.58	1,04,806.20	1,08,777.07
	2,313.84	1,562.72	4,399.53	1,940.55	5,329.00
Other Liabilities & Provisions	1,788.77	1,914.43	2,848.62	2,128.27	2,024.92
Total Liabilities	91,583.34	99,057.12	1,16,083.26	1,20,959.86	1,29,355.20
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India	3,957.22	5,204.23	7,716.61	7,525.13	7,063.49
Balances with banks and money at call	479.54	955.23	336.67	458.58	672.14
Investments	22,040.00	23,324.87	24,300.30	24,534.76	26,737.05
Investments in India	22,040.00	23,324.87	24,300.30	24,534.76	26,737.05
Advances	56,783.14	59,951.62	71,508.64	76,541.48	81,809.63
Gross block	1,369.22	1,456.26	1,578.60	1,693.19	1,851.78
Less: Accumulated Depreciation	564.15	610.04	663.81	716.89	800.24
Net Block	805.06	846.22	914.79	976.31	1,051.54
Capital Work in Progress	13.16	29.14	13.27	14.36	8.62
Other Assets	7,505.22	8,745.80	11,292.97	10,909.22	12,012.73
Total Assets	91,583.34	99,057.12	1,16,083.26	1,20,959.86	1,29,355.20
Contingent Liabilities	9,656.99	10,102.40	13,136.36	10,857.47	10,604.83
Bills for collection	2,485.73	2,773.08	2,581.43	2,353.97	2,542.82
	213.23	246.57	274.13	306.51	334.30
Adjusted Book Value	213.23	246.57	274.13	306.51	334.30

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
Net Profit Before Taxes	507.99	1,179.68	1,306.62	1,272.85	1,310.75
Adjustments for Expenses & Provisions :	1,319.16	1,400.49	914.65	728.41	875.77
Adjustments for Liabilities & Assets:	-2,055.56	-443.02	-1,140.71	-1,957.66	-632.90
Refund/(payment) of direct taxes	-239.05	-307.46	-399.72	-364.19	-453.52
Cash Flow from operating activities	-467.46	1,829.69	680.84	-320.59	1,100.10
Cash Flow from investing activities	-56.43	-87.53	-369.30	-161.04	-87.82
Cash Flow from financing activities	-354.92	-19.45	1,582.27	412.06	-1,260.36
Net increase/(decrease) in cash and cash equivalents	-878.81	1,722.71	1,893.82	-69.57	-248.08
Opening Cash & Cash Equivalents	5,315.57	4,436.76	6,159.47	8,053.29	7,983.72
Closing Cash & Cash Equivalent	4,436.76	6,159.47	8,053.29	7,983.72	7,735.63

Ratios

Valuation

8.25

0.91

4.85

1.31

37.99

345.26

Profitability

10.82

11.02

1.05

22.14

14.70

Leverage & Liquidity

0.42

Returns

1.60

Banking Metrics

2.68

75.21

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26	Sep '26
	37.57	32.34	31.44	31.04	32.66	30.69	27.54	27.95	28.85	34.70
	62.42	67.66	68.56	68.97	67.35	69.30	72.46	72.05	71.15	65.30
	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
No. of Shareholders	3,43,797	3,56,774	3,74,588	3,99,569	4,04,405	4,10,790	4,10,590	3,93,841	3,74,587	3,72,201

Mutual Funds Invested(22)

Based on each fund's latest monthly portfolio · Sep 2026

A total of 14 active funds hold 11.63% in The Karnataka Bank Ltd., contributing to ₹1.45K Cr of holdings

Fund				As of
QU Quant Small Cap Fund - Growth - Direct PlanSmall cap Fund	575.18	1.62	1,74,82,567	Sep '26
ID Bandhan Small Cap Fund - Growth - Direct PlanSmall cap Fund	494.36	1.38	1,50,26,009	Sep '26
HS HSBC Flexi Cap Fund - Growth - Direct PlanFlexi Cap Fund	121.19	2.11	36,83,450	Sep '26
AX Axis Multicap Fund - Growth - Direct PlanMulti Cap Fund	94.82	0.79	28,82,087	Sep '26
QU Quant BFSI Fund - Growth - Direct PlanBanks & Financial Services	46.88	5.24	14,24,864	Sep '26
TA Tata Aggressive Hybrid Fund - Growth - Direct PlanHybrid - Aggressive Hybrid Fund	41.73	1.05	12,68,389	Sep '26
MO Motilal Oswal Nifty Microcap 250 Index Fund - Growth - Direct PlanIndex Funds - Other	33.66	1.40	10,22,992	Sep '26
AX Axis Value Fund - Growth - Direct PlanEquity - Value Fund	16.17	0.88	4,91,641	Sep '26
CA Capitalmind Flexi Cap Fund - Growth - Direct PlanFlexi Cap Fund	15.25	3.30	4,63,611	Sep '26
SA Samco Active Momentum Fund - Growth - Direct PlanEquity - Thematic Fund - Other	12.50	1.61	3,79,808	Sep '26

Corporate Actions

Showing: All

Date	Type	Details
2026-10-16	Board Meeting	Quarterly Results
2026-08-31	AGM
2026-07-22	Board Meeting	Quarterly Results

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

BankBank - Private

The Karnataka Bank Ltd. operates in the Bank sector under the Bank - Private industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

14 members across the board and senior leadership

Sham K

Company Secretary & Compliance Officer

—

Sham Kanathila

Company Secretary & Compliance Officer

—

P Pradeep Kumar

Chairman

₹60.00 L

Mar '26

Raghavendra Bhat

Managing Director & Chief Executive Officer

₹1.81 Cr

Mar '26

Biji Sreekrishnavilas Sankaranarayanan

Executive Director

—

BR Ashok

Non Independent & Non Executive Director

₹68.60 L

Mar '26

Uma Shankar