WEBSITE BSE:532652 NSE: KARNATAKA BK Inc. Year: 1924 Industry: Bank - Private
Last updated: 15:59
The Karnataka Bank Ltd is an totally India-based banking company which is engaged in providing various banking and financial services, which includes retail, corporate banking and para-banking activities in addition to treasury and foreign exchange commercial enterprise. It operates in four segments: Corporate Banking, Retail Banking, Treasury, and Other Banking Operations. Its services and products comprises borrowing facilities, deposits, presenting returns on funds and assisting with overseas transactions. It offers enterprise banking offeri...Read More
The Karnataka Bank Ltd is an totally India-based banking company which is engaged in providing various banking and financial services, which includes retail, corporate banking and para-banking activities in addition to treasury and foreign exchange commercial enterprise. It operates in four segments: Corporate Banking, Retail Banking, Treasury, and Other Banking Operations. Its services and products comprises borrowing facilities, deposits, presenting returns on funds and assisting with overseas transactions. It offers enterprise banking offerings, consisting of working capital finance, term loans and enterprise finance products. It offers personal banking services that consist of savings ac, cards, loans, deposits, coverage, investment other services and different products. Its loan portfolio consists of housing loan, automobile loans, private loan, loan towards belongings, education loan, gold loan and different loans. ...Read Less
Our experts help you choose the right stocks based on performance, risk, and growth potential.
Market Cap ₹8148 Cr.
Stock P/E 6.4
P/B 0.7
Current Price ₹215.6
Book Value ₹ 319.9
Face Value 10
52W High ₹231.2
Dividend Yield 2.32%
52W Low ₹ 162.2
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 1959 | 2027 | 2113 | 2201 | 2278 | 2234 | 2243 | 2258 | 2261 | 2179 |
| Other Income | 324 | 250 | 326 | 419 | 279 | 270 | 299 | 422 | 358 | 343 |
| Total Income | 2283 | 2276 | 2439 | 2620 | 2557 | 2504 | 2542 | 2680 | 2620 | 2523 |
| Interest Expense | 1144 | 1204 | 1285 | 1367 | 1375 | 1401 | 1450 | 1478 | 1506 | 1451 |
| Operating Expenditure | 537 | 550 | 613 | 754 | 624 | 643 | 659 | 827 | 647 | 631 |
| Provisions and contingencies | 152 | 120 | 144 | 185 | 40 | 31 | 84 | 31 | 111 | 20 |
| Operating Profit | 450 | 402 | 396 | 315 | 518 | 429 | 349 | 344 | 357 | 420 |
| Profit Before Tax | 450 | 402 | 396 | 315 | 518 | 429 | 349 | 344 | 357 | 420 |
| Provision for Tax | 79 | 72 | 65 | 41 | 118 | 93 | 66 | 92 | 64 | 101 |
| Profit After Tax | 371 | 330 | 331 | 274 | 400 | 336 | 284 | 253 | 293 | 319 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 371 | 330 | 331 | 274 | 400 | 336 | 284 | 253 | 293 | 319 |
| Adjusted Earnings Per Share | 11.9 | 10.6 | 9.6 | 7.3 | 10.6 | 8.9 | 7.5 | 6.7 | 7.7 | 8.4 |
| #(Fig in Cr.) | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|
| Interest Earned | 6475 | 6232 | 6222 | 7220 | 8299 | 9014 | 8941 |
| Other Income | 1262 | 1404 | 954 | 993 | 1319 | 1270 | 1422 |
| Total Income | 7736 | 7637 | 7176 | 8213 | 9617 | 10283 | 10365 |
| Interest Expense | 4444 | 4049 | 3731 | 4035 | 5000 | 5703 | 5885 |
| Operating Expenditure | 1635 | 1679 | 1812 | 1970 | 2454 | 2752 | 2764 |
| Provisions and contingencies | 1135 | 1296 | 939 | 767 | 600 | 186 | 246 |
| Operating Profit | 522 | 612 | 694 | 1440 | 1563 | 1641 | 1470 |
| Profit Before Tax | 522 | 612 | 694 | 1440 | 1563 | 1641 | 1470 |
| Provision for Tax | 90 | 129 | 186 | 261 | 256 | 368 | 323 |
| Profit After Tax | 432 | 482 | 508 | 1180 | 1307 | 1273 | 1149 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 432 | 482 | 508 | 1180 | 1307 | 1273 | 1149 |
| Adjusted Earnings Per Share | 13.9 | 15.5 | 16.3 | 37.8 | 34.6 | 33.7 | 30.3 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 9% | 13% | 7% | 0% |
| Operating Profit CAGR | 5% | 33% | 26% | 0% |
| PAT CAGR | -3% | 36% | 24% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 4% | 14% | 36% | 9% |
| ROE Average | 12% | 14% | 12% | 11% |
| ROCE Average | 12% | 15% | 12% | 12% |
| #(Fig in Cr.) | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|
| Shareholder's Funds | 5970 | 6642 | 7094 | 8212 | 10848 | 12085 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 71785 | 75654 | 80387 | 87368 | 97988 | 104806 |
| Borrowings | 4065 | 1765 | 2314 | 1563 | 4400 | 1941 |
| Other Liabilities & Provisions | 1493 | 1553 | 1789 | 1914 | 2849 | 2129 |
| Total Liabilities | 83313 | 85615 | 91583 | 99057 | 116083 | 120960 |
| Cash and balance with RBI | 2756 | 4866 | 3957 | 5204 | 7717 | 7526 |
| Bank Balance | 163 | 449 | 480 | 955 | 337 | 459 |
| Investments | 17545 | 21635 | 22040 | 23325 | 24300 | 24535 |
| Advances | 56964 | 51516 | 56783 | 59952 | 71509 | 76541 |
| Fixed Assets | 826 | 838 | 805 | 846 | 915 | 976 |
| Other Assets | 5058 | 6310 | 7505 | 8746 | 11293 | 10909 |
| Total Assets | 83313 | 85615 | 91583 | 99057 | 116083 | 120960 |
| #(Fig in Cr.) | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 3610 | 2919 | 5316 | 4437 | 6159 | 8053 |
| Cash Flow from Operating Activities | -90 | 3368 | -467 | 1830 | 681 | 210 |
| Cash Flow from Investing Activities | -56 | -87 | -56 | -88 | -369 | -691 |
| Cash Flow from Financing Activities | -545 | -885 | -355 | -19 | 1582 | 412 |
| Net Cash Inflow / Outflow | -690 | 2396 | -879 | 1723 | 1894 | -69 |
| Closing Cash & Cash Equivalent | 2919 | 5316 | 4437 | 6159 | 8053 | 7984 |
| # | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 13.89 | 15.52 | 16.33 | 37.77 | 34.64 | 33.68 |
| CEPS(Rs) | 15.94 | 17.88 | 18.69 | 40.54 | 36.54 | 35.93 |
| DPS(Rs) | 0 | 1.8 | 4 | 5 | 5.5 | 5 |
| Book NAV/Share(Rs) | 176.93 | 198.7 | 213.23 | 246.57 | 274.13 | 306.51 |
| Yield on Advances | 11.37 | 12.1 | 10.96 | 12.04 | 11.6 | 11.78 |
| Yield on Investments | 8.89 | 8.17 | 6.17 | 6.18 | 6.21 | 6.31 |
| Cost of Liabilities | 5.86 | 5.23 | 4.51 | 4.54 | 4.88 | 5.34 |
| NIM (Net Interest Margin) | 2.62 | 2.78 | 2.99 | 3.56 | 3.18 | 3.04 |
| Interest Spread | 5.51 | 6.87 | 6.45 | 7.51 | 6.72 | 6.43 |
| ROA(%) | 0.52 | 0.57 | 0.57 | 1.24 | 1.21 | 1.07 |
| ROE(%) | 7.85 | 8.26 | 7.93 | 16.46 | 14.48 | 11.61 |
| ROCE(%) | 7.6 | 8.79 | 9.43 | 17.61 | 14.25 | 12.35 |
| PER(x) | 3.03 | 3.94 | 3.39 | 3.6 | 6.5 | 5.21 |
| Price/Book(x) | 0.24 | 0.31 | 0.26 | 0.55 | 0.82 | 0.57 |
| Dividend Yield(%) | 0 | 2.94 | 7.22 | 3.68 | 2.44 | 2.85 |
| EV/Net Sales(x) | 0.83 | 0.59 | 0.65 | 0.81 | 1.55 | 0.95 |
| EV/Core EBITDA(x) | 3.24 | 1.92 | 2.47 | 2.63 | 5.96 | 4.69 |
| Interest Earned Growth(%) | 0 | -3.74 | -0.17 | 16.05 | 14.93 | 8.62 |
| Net Profit Growth | 0 | 11.74 | 5.29 | 132.22 | 10.76 | -2.58 |
| Advances Growth | 0 | -9.56 | 10.22 | 5.58 | 19.28 | 7.04 |
| EPS Growth(%) | 0 | 11.74 | 5.19 | 131.35 | -8.3 | -2.76 |
| Loans/Deposits(x) | 5.66 | 2.33 | 2.88 | 1.79 | 4.49 | 1.85 |
| Cash/Deposits(x) | 0.04 | 0.06 | 0.05 | 0.06 | 0.08 | 0.07 |
| Current Ratio(x) | 0.24 | 0.29 | 0.27 | 0.27 | 0.25 | 0.23 |
| Quick Ratio(x) | 5.66 | 2.33 | 2.88 | 1.79 | 4.49 | 1.85 |
| CASA % | 28.91 | 31.49 | 32.97 | 32.97 | 31.94 | 31.75 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 21.03 | 22.68 | 19.03 | 18.86 | 14.72 | 10.29 | 11.22 | 12.88 | 15.66 | 14.6 |
| DII | 6 | 8.6 | 17.7 | 23.05 | 22.85 | 22.05 | 20.23 | 18.16 | 17 | 16.09 |
| Public | 72.96 | 68.72 | 63.27 | 58.09 | 62.42 | 67.66 | 68.56 | 68.97 | 67.35 | 69.3 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 6.57 | 7.09 | 6.6 | 7.11 | 5.56 | 3.89 | 4.24 | 4.87 | 5.92 | 5.52 |
| DII | 1.88 | 2.69 | 6.14 | 8.7 | 8.63 | 8.33 | 7.64 | 6.86 | 6.42 | 6.08 |
| Public | 22.8 | 21.5 | 21.94 | 21.91 | 23.56 | 25.55 | 25.91 | 26.06 | 25.46 | 26.2 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 31.24 | 31.29 | 34.67 | 37.72 | 37.75 | 37.77 | 37.79 | 37.79 | 37.8 | 37.81 |
* The pros and cons are machine generated.
You May Also Know About
Looking to buy unlisted shares or need guidance on the investment process? Our expert Private Equity Advisors are here to assist you with accurate information, real-time pricing, and seamless execution.
Want to sell unlisted shares, liquidate your ESOPs, or understand the step-by-step process of liquidation? Connect with our Buying Team for smooth coordination, quick evaluations, and end-to-end support.
Planning to build or grow your portfolio? For Mutual Fund investments, PMS solutions, tailored portfolio creation, and overall wealth management, our dedicated Wealth Team is ready to guide you.
