How has Karnataka Bank Ltd. (KTKBANK) been performing? We dig into revenue, profitability, valuation, and ownership trends.
Karnataka Bank Revenue Trend
Karnataka Bank Ltd. clocked ₹10,283 Cr in revenue for FY2025, up 6.9% from FY2024.
Over the past 10 years, revenue has grown at a 7.0% CAGR, from ₹5,205 Cr to ₹10,283 Cr. Decent growth, though not exceptional.
A ₹10,283 Cr revenue base makes Karnataka Bank Ltd. a major name in the Indian banks sector.
Revenue has moved in the same direction for 3 years running, suggesting the growth trend has structural legs.
| Year | Revenue | YoY % |
|---|---|---|
| FY2025 | ₹10,283 Cr | +6.9% |
| FY2024 | ₹9,617 Cr | +17.1% |
| FY2023 | ₹8,213 Cr | +14.5% |
| FY2022 | ₹7,176 Cr | -7.1% |
| FY2021 | ₹7,727 Cr | — |
View Karnataka Bank Ltd.'s full 10-year revenue trend with CAGR analysis →
Karnataka Bank Profitability
Profitability was under pressure with net income dropping 2.6% to ₹1,273 Cr in FY2025.
Profitability per rupee of revenue dipped, with net margin at 12.4% against 13.6% in FY2024.
Earnings per share (diluted) were ₹33.63 in FY2025, down from ₹39.67.
Is Karnataka Bank Undervalued
Karnataka Bank Ltd. shares are currently trading at ₹289.45.
Craytheon calculates intrinsic value using the P/B Ratio, P/E Ratio, EPS Growth, and DDM models. All four appear in the Valuation Models cards below.
Valuation Models
Karnataka Bank Shareholding Pattern
Karnataka Bank Ltd. is a widely held company with no promoter group. Ownership is distributed across institutional and public shareholders.
As of June 2026, FIIs own 13.1% of the company — down from 14.6% a year earlier.
Domestic institutions moved their stake down to 15.8% from 16.1% over the past year.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| Jun 2026 | 0.0% | 13.1% | 15.8% | 71.2% |
| Mar 2026 | 0.0% | 11.8% | 16.2% | 72.0% |
| Dec 2025 | 0.0% | 11.7% | 15.8% | 72.5% |
| Sep 2025 | 0.0% | 14.6% | 16.1% | 69.3% |
Track quarterly shareholding changes for Karnataka Bank Ltd. →
Karnataka Bank Balance Sheet
Proportional view as of 3 Aug 2026. Hover blocks for details.
Assets
Liabilities & Equity
Total assets stood at ₹1,209.60B at the end of FY2025, up 4.2% from ₹1,160.83B a year earlier.
Loans & Advances is the largest block at 63.3%, followed by Investments at 20.3% and Other Assets at 9.8%.
Deposits make up 86.6% of liabilities and equity, with Borrowings at 1.6%, Equity at 10.0%, and Other Liabilities at 1.8%. Over the year, deposits are up 7.0% and equity is up 11.4%.
Balance sheet composition — FY 2025
| Category | Value |
|---|---|
| Cash | 79.84B |
| Loans & Advances | 765.41B |
| Investments | 245.35B |
| Other Assets | 119.00B |
| Category | Value |
|---|---|
| Equity | 120.85B |
| Deposits | 1,048.06B |
| Borrowings | 19.41B |
| Other Liabilities | 21.29B |
Karnataka Bank — The Bottom Line
Pulling it all together, here's what the numbers say about Karnataka Bank Ltd. (KTKBANK) heading into the next fiscal year.
Revenue of ₹10,283 Cr in FY2025, up 6.9% year-over-year.
Long-term revenue has been compounding at 7.0% annually over 10 years.
The company is profitable, with a net margin of 12.4% and net income of ₹1,273 Cr.
Unlock Full Analysis
Craytheon's full analysis of Karnataka Bank Ltd. goes deeper: four valuation models, growth metrics, and 10 years of financial data.