Loading…
The Karnataka Bank (KTKBANK)₹331.90+3.48%Private Sector Bank
In the Sep 2026 quarter (consolidated), The Karnataka Bank reported revenue of ₹2,494 Cr, up 14.9% from Sep 2025, and net profit of ₹436 Cr, up 36.6% year on year. For the year to Mar 2026, revenue were ₹8,878 Cr and net profit ₹1,310 Cr.
Company filings, consolidated accounts; latest reported quarter Sep 2026
| Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,106 | 2,192 | 2,269 | 2,227 | 2,234 | 2,248 | 2,253 | 2,169 | 2,212 | 2,247 | 2,372 | 2,494 |
| Interest | 1,285 | 1,368 | 1,376 | 1,403 | 1,450 | 1,478 | 1,508 | 1,453 | 1,428 | 1,416 | 1,444 | 1,522 |
| Net interest income | 820 | 824 | 893 | 824 | 784 | 770 | 745 | 717 | 785 | 831 | 928 | 971 |
| Expenses | 757 | 937 | 663 | 673 | 742 | 864 | 756 | 650 | 736 | 716 | 741 | 684 |
| Financing Profit | 70.02 | −104 | 239 | 159 | 50.07 | −84.10 | −2.01 | 77.04 | 55.03 | 126 | 196 | 297 |
| Financing Margin % | 3.0% | −5.0% | 11.0% | 7.0% | 2.0% | −4.0% | 0.0% | 4.0% | 2.0% | 6.0% | 8.0% | 12.0% |
| Other Income | 326 | 420 | 279 | 270 | 299 | 428 | 358 | 343 | 303 | 399 | 355 | 290 |
| Profit before tax | 396 | 315 | 518 | 429 | 349 | 344 | 357 | 420 | 357 | 525 | 552 | 587 |
| Tax % | 16.0% | 13.0% | 23.0% | 22.0% | 19.0% | 27.0% | 18.0% | 24.0% | 19.0% | 22.0% | 24.0% | 26.0% |
| Net Profit | 331 | 274 | 400 | 336 | 284 | 253 | 292 | 319 | 291 | 408 | 419 | 436 |
| EPS (Rs) | 9.59 | 7.29 | 10.65 | 8.94 | 7.53 | 6.71 | 7.76 | 8.47 | 7.72 | 10.84 | 11.11 | 11.57 |
| Gross NPA % | 3.6% | 3.5% | 3.5% | 3.2% | 3.1% | 3.1% | 3.5% | 3.3% | 3.3% | 2.8% | 2.6% | 2.3% |
| Net NPA % | 1.6% | 1.6% | 1.7% | 1.5% | 1.4% | 1.3% | 1.4% | 1.4% | 1.3% | 1.0% | 0.9% | 0.7% |
| Provision coverage (approx., excl. write-offs) % | 57.4% | 55.2% | 53.1% | 54.5% | 55.3% | 57.5% | 58.4% | 59.5% | 60.5% | 64.8% | 66.3% | 67.4% |
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|
| Revenue | 6,453 | 6,208 | 6,194 | 7,187 | 8,263 | 8,975 | 8,878 | 9,325 |
| Interest | 4,450 | 4,052 | 3,734 | 4,035 | 5,003 | 5,704 | 5,806 | 5,810 |
| Net interest income | 2,003 | 2,156 | 2,460 | 3,152 | 3,260 | 3,271 | 3,072 | 3,516 |
| Expenses | 2,702 | 2,897 | 2,672 | 2,649 | 2,979 | 2,850 | 2,753 | 2,876 |
| Financing Profit | −677 | −719 | −186 | 535 | 316 | 458 | 363 | 675 |
| Financing Margin % | −10.0% | −12.0% | −3.0% | 7.0% | 4.0% | 5.0% | 4.0% | 7.2% |
| Other Income | 1,263 | 1,405 | 954 | 994 | 1,321 | 1,271 | 1,405 | 1,348 |
| Depreciation | 63.88 | 73.86 | 73.87 | 85.83 | 71.83 | 84.87 | 107 | 0.00 |
| Profit before tax | 522 | 612 | 694 | 1,441 | 1,565 | 1,641 | 1,659 | 2,022 |
| Tax % | 17.0% | 20.9% | 27.0% | 18.0% | 16.0% | 22.0% | 21.0% | — |
| Exceptional items | 0.00 | −1.01 | −1.01 | 0.00 | 0.00 | 0.00 | 0.00 | — |
| Net Profit | 432 | 482 | 507 | 1,179 | 1,306 | 1,272 | 1,310 | 1,553 |
| EPS (Rs) | 13.94 | 15.58 | 16.38 | 37.90 | 34.75 | 33.81 | 34.78 | 41.24 |
| Dividend payout % | 0.0% | 11.9% | 23.9% | 13.0% | 15.9% | 14.9% | 13.9% | — |
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Equity Capital | 311 | 311 | 311 | 312 | 378 | 378 | 378 |
| Reserves | 5,667 | 6,341 | 6,788 | 7,899 | 10,479 | 11,708 | 12,830 |
| Deposits | 72,019 | 75,908 | 80,603 | 87,611 | 98,318 | 1,05,081 | 1,09,025 |
| Borrowings | 4,073 | 1,770 | 2,318 | 1,566 | 4,411 | 1,943 | 5,330 |
| Other Liabilities | 1,500 | 1,560 | 2,256 | 1,923 | 2,863 | 2,139 | 2,035 |
| Total Liabilities | 83,570 | 85,891 | 92,276 | 99,311 | 1,16,447 | 1,21,248 | 1,29,597 |
| Fixed Assets | 825 | 838 | 805 | 846 | 915 | 976 | 1,052 |
| CWIP | 0.00 | 0.99 | 12.99 | 28.97 | 12.98 | 13.99 | 8.99 |
| Investments | 17,604 | 21,723 | 22,133 | 23,422 | 24,384 | 24,617 | 26,821 |
| Other Assets | 65,140 | 63,329 | 69,325 | 75,014 | 91,136 | 95,641 | 1,01,716 |
| Cash & equivalents | 2,764 | 4,881 | 3,969 | 5,220 | 7,737 | 7,550 | 7,090 |
| Total Assets | 83,570 | 85,891 | 92,276 | 99,311 | 1,16,447 | 1,21,248 | 1,29,597 |
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Cash from operating activity | −89.75 | 3,362 | −466 | 1,825 | 680 | 210 | 1,099 |
| Cash from investing activity | −56.15 | −87.29 | −56.21 | −88.23 | −370 | −693 | −88.26 |
| Cash from financing activity | −547 | −888 | −356 | −19.05 | 1,587 | 413 | −1,264 |
| Net cash flow | −691 | 2,396 | −879 | 1,724 | 1,895 | −69.01 | −248 |
| Capex | 58.15 | 88.27 | 57.17 | 89.29 | 112 | 163 | 89.28 |
| Free cash flow | −147 | 3,293 | −525 | 1,748 | 572 | 48.16 | 1,016 |
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| ROE % | 7.0% | 8.0% | 7.0% | 15.0% | 14.0% | 11.0% | 10.0% |
For the Sep 2026 quarter, The Karnataka Bank reported revenue of ₹2,494 Cr, up 14.9% year on year and net profit of ₹436 Cr, up 36.6% year on year.
The Karnataka Bank's revenue for the year to Mar 2026 were ₹8,878 Cr; over the last twelve months they were ₹9,325 Cr.
Net profit for the year to Mar 2026 was ₹1,310 Cr, and ₹1,553 Cr over the last twelve months. Earnings per share over the same trailing period were ₹41.24.
Cash from operations was ₹1,099 Cr in the year to Mar 2026; after capital spending, free cash flow was ₹1,016 Cr.