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Karnataka Bank Ltd

Karnataka Bank

Mid Cap•8,900 Employees•IPO 2000
Current Price
₹226.70
-2.03 (-0.89%)Updated
NSE :KTKBANK
BSE :532652
Sector :Banks
Valuation vs Sector
P/E Ratio
7.20vs 19.00
P/B Ratio
0.66vs 2.14
Div Yield
2.40%vs 0.57%
Today's Range
221.11
₹226.70
indicator
230.4
52 Week Range
52W Low₹167.55
52W High₹233.00
₹226.70
indicator
Downside35.30%
Upside2.78%
chart iconChart

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

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Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
₹7,861.86 Cr
Market Cap
Total market value of company
P/E Ratio
6.85
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
0.52
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
₹30.32
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
4.64%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
6.33%
ROCE
Return on Capital Employed. >15% is good
Net Margin
30.08%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
19.35%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
5.89%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
-0.73%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
-27.00%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
0.18
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
₹319.76
Book Value
Net asset value per share
Dividend Yield
2.40%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
0.00%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

3 points
  • •Karnataka Bank exhibits a very attractive Price-to-Earnings ratio of 5.95, significantly lower than many peers, suggesting potential undervaluation. This is complemented by a solid Return on Equity (ROE) of 11.10%, indicating efficient profit generation from shareholder funds.
  • •The company maintains a robust Operating Profit Margin (OPM) of 66.20%, showcasing strong operational efficiency and effective cost management. This high margin indicates the bank's ability to generate substantial profits from its core banking operations.

Weaknesses

3 points
  • •The bank's high debt-to-equity ratio of 8.83 is a significant concern, indicating substantial financial leverage. This elevated debt level could increase financial risk and vulnerability, particularly during economic downturns or rising interest rates.
  • •A complete absence of promoter holdings (0%) is a notable weakness, potentially leading to reduced management accountability and alignment with long-term shareholder interests. This lack of insider ownership might impact investor confidence and strategic stability.

Opportunities

3 points
  • •A price-to-book value of 0.57 suggests the stock is trading below its intrinsic asset value. This could attract value investors and lead to significant upside potential as the market recognizes its true worth.
  • •As a private sector bank, KTKBANK can capitalize on the overall growth and increasing penetration of banking services in India. Favorable economic conditions and rising credit demand present a significant market expansion opportunity.

Threats

4 points
  • •Operating in the highly competitive private sector banking space, KTKBANK faces significant challenges from larger, well-established players. This intense competition could pressure margins and limit market share expansion.
  • •The banking sector is subject to stringent regulations. Any adverse changes in monetary policy, interest rate regimes, or new compliance requirements could negatively impact the bank's operations and profitability.

Segment-wise Financial Analysis

Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...

Shareholding Pattern

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Company Insider Trading Activity

No insider trading data available

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

LevelPriceDistance% Change
R4₹249.61+₹22.91+10.11%
R3₹240.32+₹13.62+6.01%
R2₹235.36+₹8.66+3.82%
R1₹231.03+₹4.33+1.91%
PIVOT₹226.07-0.63-0.28%
CURRENT₹226.70--
S1₹203.16-₹23.54-10.38%
S2₹212.45-₹14.25-6.29%
S3₹216.78-₹9.92-4.38%
S4₹221.74-₹4.96-2.19%
CPR Levels
Support
Resistance
S4
S3
S2
S1
| CPR |
BC: N/AP: N/ATC: N/A
R1
R2
R3
R4
indicator
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume
4.36M
(12 Mar 2026)
+0.8% vs avg
Delivery %
37.6%
(12 Mar 2026)
-7.1% vs avg
Avg Volume (20D)
4.32M
(12 Feb - 12 Mar)
20-day average
Avg Delivery %
44.7%
(12 Feb - 12 Mar)
Trend ↓
Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap
HDFC Bank Ltd
14.24L ₹ Cr
Best Profit Growth
Punjab & Sind Bank
22.90 %
Highest Dividend Yield
Tamilnad Mercantile Bank Ltd
1.53 %

Peer Comparison

Company Name
CUB
City Union Bank Ltd
DCBBANK
DCB Bank Ltd
EQUITASBNK
Equitas Small Finance Bank Ltd
ESAFSFB
ESAF Small Finance Bank Ltd
FINOPB
Fino Payments Bank Ltd
HDFCBANK
HDFC Bank Ltd
J&KBANK
Jammu and Kashmir Bank Ltd
JSFB
Jana Small Finance Bank Ltd
PSB
Punjab & Sind Bank
RBLBANK
RBL Bank Ltd
SOUTHBANK
South Indian Bank Ltd
SURYODAY
Suryoday Small Finance Bank Ltd
TMB
Tamilnad Mercantile Bank Ltd
UTKARSHBNK
Utkarsh Small Finance Bank Ltd

About

KTKBANK

Karnataka Bank Ltd

Karnataka Bank Limited (KTKBANK) is a prominent Indian banking institution established in 1924 and headquartered in Mangalore. The bank offers a comprehensive suite of banking and financial services across various segments, catering to both corporate and individual clients.

The bank's Corporate/Wholesale Banking segment focuses on providing a range of financial solutions to businesses. This includes term loans, working capital facilities, foreign exchange services, structured finance, and trade financing products, designed to support various corporate needs and growth strategies. They offer tailored solutions to meet the specific requirements of different sized corporations.

Retail banking forms a significant part of KTKBANK's operations. This segment offers a diverse portfolio of loans tailored to individuals, encompassing home loans, auto loans, personal loans, and education loans. They also provide loans against existing assets such as term deposits, securities, and gold. Furthermore, they extend credit to small businesses and agricultural enterprises through dedicated schemes like KBL Contractor Mitra, KBL Micro Mitra, KBL Export Mitra, KBL MSME, and KBL Mahila Udyog, specifically supporting women entrepreneurs.

KTKBANK's Treasury segment plays a crucial role in managing the bank's financial resources. This involves managing statutory reserves (SLR and CRR), liquidity management, investment and trading activities, and foreign exchange operations. Their investment portfolio includes sovereign debt, fixed-income securities, mutual funds, and other financial instruments. Active trading in debt and equity securities, as well as foreign exchange, is also a core function of this segment.

Beyond core banking activities, the Other Banking Operations segment provides ancillary services enhancing customer convenience and experience. These include depository services, online trading platforms, locker and safe custody facilities, bill payment services, and various digital banking channels such as internet and mobile banking, along with FASTag services. The bank also distributes insurance products, adding another layer to its offerings.

In summary, KTKBANK operates across multiple segments, offering a wide spectrum of financial products and services through both physical branches and digital platforms. Their integrated approach ensures a comprehensive banking experience, addressing the needs of diverse customer segments within the Indian market.

COMPANY FACTS - KTKBANK

Registered Address

P B No 599, Mahaveera Circle

Mangalore

KARNATAKA

IN

Tel: 918242228222

Website:https://karnatakabank.com/

Investor Relations:http://karnatakabank.com/investor-portal
Company Details

Group: Banks

Sector: Financials

Industry: Banks

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 8,900

IPO Date: 21/12/2000

MANAGEMENT - KTKBANK

Sri. Pradeep Panja

Independent Part Time Non-Executive Chairman of the Board

Mr. Srikrishnan Sarma

Chief Executive Officer, Managing Director, Additional Executive Director

Mr. Abhishek Bagchi

Chief Financial Officer

Mr. Sham Kanathila

Compliance Officer, Company Secretary

Mr. Sekhar Rao

Executive Director

Mr. Balebail Ashok

Non-Executive Non-Independent Director

Mr. Kalmanje Acharya

Non-Executive Independent Director

Justice Arakalgud Chandrashekar

Non-Executive Independent Director

Mr. Jeevandas Narayan

Non-Executive Independent Director

Dr. Devarayasamudram Ravindran

Non-Executive Independent Director

Smt. Uma Shankar

Non-Executive Independent Director

Mr. Balakrishna Shettwalli

Non-Executive Independent Director

Investor Questions Answered

Karnataka Bank Ltd (KTKBANK) Stock FAQs

Get answers to the most common questions about Karnataka Bank Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of Karnataka Bank Ltd (KTKBANK) is ₹226.7. Today, the stock has declined by ₹2.03 (0.89%), trading in a range of ₹221.11 to ₹230.4. The stock opened at ₹226.9 with a trading volume of 43,55,969 shares.
Karnataka Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹7,861.86 crores, P/E ratio of 6.85, ROE of 4.64%, and ROCE of 6.33%. The dividend yield stands at 2.40%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Karnataka Bank Ltd (KTKBANK) is ₹233, while the 52-week low is ₹167.55. Currently trading at ₹226.7, the stock is 90.4% away from its 52-week low and 2.7% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Karnataka Bank Ltd stock at ₹226.7 depends on multiple factors. The stock is currently trading with a P/E ratio of 6.85 and P/B ratio of N/A. Today's performance shows a loss of 0.89%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Karnataka Bank Ltd offers a dividend yield of 2.40%, which means for every ₹100 invested at the current price of ₹226.7, you can expect to receive approximately ₹2.40 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Karnataka Bank Ltd's key financial metrics include: P/E Ratio: 6.85, P/B Ratio: N/A, ROE: 4.64%, ROCE: 6.33%, Dividend Yield: 2.40%, EPS: ₹30.32, Book Value: ₹319.76, Debt-to-Equity: 0.18, and Current Ratio: N/A. The company's market cap stands at ₹7,861.86 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Karnataka Bank Ltd stock opened at ₹226.9 and is currently trading at ₹226.7, showing a decline of ₹2.03 (0.89%). The intraday high is ₹230.4 and low is ₹221.11. The trading volume stands at 43,55,969 shares, indicating strong market participation today.
Karnataka Bank Ltd has a Price-to-Earnings (P/E) ratio of 6.85, which means investors are willing to pay ₹6.85 for every ₹1 of earnings. With an EPS of ₹30.32, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
Karnataka Bank Ltd has a market capitalization of ₹7,861.86 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹226.7) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Karnataka Bank Ltd has a book value of ₹319.76 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹226.7, which is 29.1% below the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Karnataka Bank Ltd has a Return on Equity (ROE) of 4.64% and Return on Capital Employed (ROCE) of 6.33%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Karnataka Bank Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Karnataka Bank Ltd has a debt-to-equity ratio of 0.18, which measures the company's financial leverage by comparing total debt to shareholders' equity. A low ratio suggests conservative financing with minimal debt. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Karnataka Bank Ltd has an Earnings Per Share (EPS) of ₹30.32, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹226.7 and P/E ratio of 6.85, investors are paying 6.85 times the annual earnings per share. This moderate EPS suggests decent earnings generation. Track EPS growth over quarters to assess earnings momentum.
Karnataka Bank Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Karnataka Bank Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Karnataka Bank Ltd stock, consider: 1) Fundamental Analysis - Review P/E (6.85), ROE (4.64%), debt-to-equity (0.18), and growth rates. 2) Technical Analysis - Check 52-week range (₹167.55 - ₹233.00), moving averages, and chart patterns. 3) Valuation - Compare current price (₹226.70) with book value (₹319.76) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Karnataka Bank Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹226.7 is 2167x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Karnataka Bank Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹167.55 - ₹233.00). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 0.18 indicates leverage. 4) Liquidity Risk - Based on trading volume of 43,55,969 shares. 5) Valuation Risk - P/E of 6.85 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Karnataka Bank Ltd operates in the industry with key metrics: P/E ratio of 6.85, ROE of 4.64%, market cap of ₹7,861.86 crores, and dividend yield of 2.40%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 0.18), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Karnataka Bank Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹226.7, with a 52-week range of ₹167.55 to ₹233.00. Based on fundamentals like P/E (6.85), ROE (4.64%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Karnataka Bank Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹226.70. 2) Fundamental Deterioration - Declining ROE (currently 4.64%), increasing debt (D/E: 0.18), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Karnataka Bank Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 2.40%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.