Karnataka Bank Share Price

Karnataka Bank Limited, based in Mangaluru, is an Indian private sector commercial bank. The bank provides a broad product portfolio of financial and banking services in the areas of retail banking, corporate banking, treasury operations, and para-banking services. Karnataka Bank has a wide network of branches and delivery channels spread over several states across the country, catering to diverse customers with deposits, loansand allied services. Karnataka Bank share price on the NSE and BSE reflects how ͏market participant’s respond to the bank’s financial performance, asset quality tr͏ends, credit growth, interest rate changes, and regulatory developments in the banking sector.

Karnataka Bank’s share prices are subject to volatility influenced by earnings momentum, provision, net interest margins, credit cost trends, and overall macroec͏onomic environment that determines banking sector sentiment. Karnataka Bank stock price provides real-time information on the last traded price, bid and ask prices and traded volume. These live indicators capture market activity and liquidity, revealing how traders and investors adjust valuations in response to ͏quarterly results announcements, economic data releases, and sectoral news.

Monitoring Karnataka Bank share price today helps understand short term͏ price͏ fluctuations, dealer behaviour, and broad market trends affecting stocks. Karnataka Bank live price can also be used to watch market response to company announcements, quarterly results and regulatory updates, offering context for how the stock moves relative to broader market indexes and sector peers.

Karnataka Bank Limited Fundamentals

Karnataka Bank Limited Company Background

Karnataka Bank has been established as a financial institution, with its inception dating back to 1924. With a presence spanning 941 branches and a workforce of over 8,738 employees, the bank serves more than 13.6 million customers across India. Its shareholder base of 2,35,000 reflects the confidence that investors place in its stability and long-standing reputation. The bank is known for recognising the individual needs of its customers, whether they are small business owners or individuals with larger financial aspirations. Karnataka Bank offers a range of products and services designed to adapt to the evolving lifestyles of its clientele, ensuring that each interaction is professional, personalised, and meaningful. Its approach combines extensive experience with attentive customer service, reinforcing its commitment to fostering long-term relationships. Over the decades, the bank has maintained a balance between traditional values and modern banking practices, making it a reliable choice for customers and shareholders alike.

Karnataka Bank Limited Company Product Lines

Deposit Products

• Savings accounts (various segments)
• Current accounts (business/individual)
• Fixed deposits (multiple tenures)
• Recurring deposits (monthly saving plans)
• Specialized deposit schemes (e.g., senior citizen focused)

Personal & Retail Banking

Loans:

• Personal loans
• Home loans (e.g., KBL Apna Ghar)
• Vehicle loans (twowheeler & automobile)
• Education loans (including KBL Peak)
• Gold loans
• Loans against property
• Loans for women entrepreneurs and salaried borrowers
• Instant cash & quick personal loans (e.g., KBL Xpress Cash / Insta Cash)

Accounts & Savings Schemes:

• KBL Wise – Senior Citizens savings account
• KBL Genius – Student savings account
• Youth and teenager savings plans
• Women-focused account products
• General & basic savings accounts

Business & MSME Banking

• Working capital finance
• Term loans for business expansion
• Infrastructure and corporate financing
• Specialized MSME credit solutions
• Cash management and merchant banking support
• Supply chain and vendor financing support via partner solutions

NRI & Foreign Exchange Services

• NRI banking accounts (NRE/NRO)
• Remittance services (inward/outward)
• Forex services (LC advising, export collection, buyer’s credit)
• Quick Remit money transfer facility for overseas customers

Card & Payment Products

• Debit cards (Visa/other networks)
• Credit cards (co-branded variants)
• Gift cards & travel cards (via bank initiatives)
• Point-of-Sale (PoS) merchant payment solutions

Digital & Technology Services

• Internet banking (24×7 transaction access)
• Mobile banking (KBL Mobile Plus app)
• Unified omnichannel banking (KBL ONE)
• UPI, NEFT, IMPS, RTGS, bill payments, online fund transfers
• WhatsApp banking support
• Digital passbook and QR banking services

Wealth & Investment Products

• Mutual fund distribution & investment facilitation
• Demat accounts & online trading support (via partners)
• Distribution of AMFI-registered mutual funds
• Investment services (including sovereign gold bonds)

Locker & Safety Services

• Safe deposit lockers (various sizes)
• Online application and locker access facilities

Insurance & Bancassurance

Life insurance (via partners):

• Term & savings linked life insurance plans

General & health insurance (via tie-ups):

• Health and critical illness policies
• Motor and property insurance
• Personal accident covers
• Credit-linked insurance offerings

Social security schemes (through branches):

• PMJJBY (Life Insurance)
• PMSBY (Accident Insurance)
• NPS (Pension)
• APY (Atal Pension)

Business Segments (Broadly)

• Retail & Personal Banking
• Corporate & Wholesale Banking
• MSME & Small Business Solutions
• Treasury & Forex Operations
• Other Banking Operations (digital, third-party & value-added services)

Karnataka Bank Limited Revenue Model

Interest Income (Core Revenue)

• Interest earned from loans and advances to customers (retail, corporate, MSME, agriculture).
• Interest on deposits placed with other banks and financial institutions.
• Interest income from government securities and other investment instruments.

Net Interest Margin (NII)

• Revenue generated from the differenc.

Revenue Breakdown (Interest vs Non Interest)

• Interest Revenue remains the dominant contributor to total income (majority share).

• Non Interest Income (fee + treasury + other service income) supplements interest income and helps diversify earnings.

Karnataka Bank Limited Geographic Presence

National Network

• Karnataka Bank operates in 22 Indian States and 2 Union Territories.
• Headquarters: Mangaluru (Mangalore), Karnataka, India.

Spread Across Regions

• South India: Strongest concentration, especially in Karnataka (largest number of branches).
• West India: Presence in Maharashtra and Gujarat.
• South & East: Branches in Tamil Nadu, Andhra Pradesh, Telangana, Kerala.
• North & Central India: Branches in states like Haryana, Delhi, Uttar Pradesh, Rajasthan, Punjab, Bihar, Odisha, etc.

 Tier/Urban Distribution

• Network spans metro, urban, semi urban, and rural centres across India.
• Includes service in smaller towns and emerging markets, not just major metropolitan areas

Karnataka Bank Limited Leadership 

Some of the key leaders of Karnataka Bank Limited as of January 2026 are:

• P. Pradeep Kumar – Part Time Chairman (Independent Director)
• Raghavendra Srinivas Bhat – Managing Director & Chief Executive Officer
• B. R. Ashok – Non-Executive Director
• Uma Shankar – Independent Director
• Dr. D. S. Ravindran – Independent Director
• Balakrishna Alse S. – Independent Director
• Jeevandas Narayan (JN) – Independent Director
• Kalmanje Gururaj Acharya – Independent Director
• Harish H V – Independent Director
• Chandra Shekar – Chief Business Officer
• Raja B S – Chief Operating Officer

Karnataka Bank Limited Key Milestones

• 1924: Incorporated on February 18, 1924 in Mangalore as The Karnataka Bank Limited; 23 May 1924 obtained certificate to commence business.
• 1964: Took over assets and liabilities of Chitaldurg Bank Ltd.
• 1966: Took over assets and liabilities of Bank of Karnataka Ltd, Hubli; opened 14 new branches in former Bank of Karnataka locations; received license to carry on banking business in India on April 4, 1966.
• 1989: Opened a merchant banking division.
• 1995: Came out with public cum rights issue aggregating Rs 81 crore.
• 1997: Became an authorized dealer of foreign exchange; established specialized branches for financing foreign exchange, industry, and agriculture.
• 2000: Signed MoU with Infosys Technologies Ltd for implementation of Finacle Core Banking Solution.
• 2002: Tie-up with Corporation Bank for sharing ATMs; tie-up with MetLife India for distribution of insurance products as corporate agent.
• 2003: Took up corporate agency for Bajaj Allianz General Insurance products; launched K-Life term product for SB/current account holders; launched ‘KBL Insta Cash’ and ‘KBL Vahana Mitra’ products; partnered with Western Union via Bharat Overseas Bank for inbound money transfers.
• 2004: Launched ‘Gold Card Scheme’ for exporters.
• 2005: Launched RTGS system as Money Quick; joined National Financial Switch for ATM connectivity; launched ‘no frills’ accounts.
• 2006: Tie-up with Franklin Templeton for mutual funds distribution; launched CDSL-DP services at select branches.
• 2007: Signed MoU with Allahabad Bank, Indian Overseas Bank, Sompo Japan Insurance, and Dabur Investment Corporation for joint venture in General Insurance.
• 2008-09: Opened 16 branches at locations including Moradabad, New Delhi, Thane, Mumbai, Bangalore, Mysore, Belgaum, Pune, Doddaballpur, Uppal Kalan, Bellandur, and Hoskote; added 30 ATM outlets; shifted 15 branches/offices; won Sun and NDTV Green IT award.
• 2009-10: Opened 17 branches at locations including Patna, Tambaram, Vellore, Dhanbad, Kolkata, New Delhi, Ujjain, Ghaziabad, Chennai, Brahmapur, Serilingampally, Durg, Rajarhat; added 46 ATMs; shifted 16 branches/offices; opened 9th Regional Office at Hyderabad; won ‘Special Award for IT Internal Effectiveness’ from IDRBT.
• 2010: Launched new savings account for women ‘KBL Vanitah’; planned to expand to 480 branches and 300 ATMs by March 2011.
• 2015-16: Opened 50 new branches across 9 states; 13 rural branches in Karnataka under financial inclusion; opened 2 new regional offices at Udupi & Tumakuru; added 275 ATMs; 24×7 e-lobby facility at 25 locations; rights issue of 9.42 crore shares at Rs 70 each, aggregating Rs 659.65 crore.
• 2016-17: Opened 40 new branches in 9 states; 10 branches in unbanked rural centres; added 117 ATMs; 24×7 e-lobby/mini e-lobby at 110 locations; 10,314 POS machines installed.
• 2017-18: Opened 36 branches in 11 states; 8 branches in unbanked rural centres; rolled out Single Window Service at 44 branches (total 64).
• 2019: Opened 39 branches in 5 states; 9 rural branches under financial inclusion; tied up with PNB MetLife, LIC, Universal Sompo, Bajaj Allianz for insurance distribution; migrated Finacle Core Banking Solution to upgraded version; implemented UPI iOS app, internet banking enhancements, Mailkoot service, Robotic Process Automation, and e-waste management.
• FY2019: Allotted 72,000 rated, unsecured, redeemable, non-convertible Lower Tier II Subordinated Bonds aggregating Rs 720 crore.
• 2020: Total 2,329 service outlets including 848 branches, 1,026 ATMs, 454 cash recyclers across 554 centres in 22 states and 2 UTs.
• 2021: Total 2,337 service outlets including 858 branches, 1,001+ ATMs, 477 cash recyclers; formed wholly owned subsidiary KBL Services Ltd; opened 16 branches, one Currency Chest at Mysuru, one Asset Recovery Management at Chennai; merged 6 branches.
• 2022: Total 2,326 service outlets including 877 branches, 885 ATMs, 563 cash recyclers across 567 centres; opened 20 new branches; centralised treasury operations and loan processing hubs.
• 2023: Total 2,376 service outlets including 901 branches, 871 ATMs, 603 cash recyclers; opened 24 new branches.
• 2024: Total 2,417 service outlets including 921 branches, 856 ATMs, 639 recyclers across 593 centres; 20 new branches opened; 15 new products launched (5 each in liabilities, retail, MSME); debit card network expanded to 55 lakh+ users; 7 lakh+ net banking users; launched fully digital Credit Line on UPI in partnership with fintech player; enhanced IT infrastructure with SDWAN, private cloud, and data management platforms; established Retail Asset Centres (RACs) and centralised National Back Office.
• 2025: Total 2,468 service outlets including 952 branches, 837 ATMs, 679 recyclers across 22 states and 2 UTs; 31 new branches opened; 5 Retail Loan Processing and Sanction Centres (RLPSC), 1 Central Loan Processing and Sanction Centre (CLPSC), 2 Retail Asset Centres (RAC), 13 Asset Recovery Management branches operational.

Industry Perspective

The Banking and Financial Services Industry in India, which includes Karnataka Bank Limited, is a rapidly evolving sector, encompassing commercial banks, cooperative banks, small finance banks, payment banks, and other deposit-taking institutions. As of FY24, deposits of all scheduled banks collectively surged by ₹2.04 lakh crore (US$ 2,452 billion), reflecting strong growth and systemic importance. India has the 3rd largest FinTech ecosystem globally, currently valued at US$ 111 billion, and projected to reach US$ 421 billion by 2029, highlighting robust opportunities for digital financial services. Digital payments continue to expand rapidly, with UPI dominating India’s landscape, serving 491 million users, 65 million merchants, and processing ₹24.03 lakh crore (US$ 240 billion) in June 2025, accounting for 85% of all digital transactions. The retail banking market is expected to grow at a CAGR of 5.4% from 2023–2029, while overall credit growth is projected at 13–15%, exceeding nominal GDP. Policy support, including a repo rate of 5.5%, CRR reduction, simplified KYC processes, and pilot digitalization of Kisan Credit Card lending, is expected to enhance credit access, financial inclusion, and digital adoption across urban and rural India.

Karnataka Bank will benefit from the ongoing digital transformation and growth in India’s banking sector. Increased adoption of digital payments, FinTech integration, and policy support will enhance credit flow, operational efficiency, and customer convenience. The Bank can expand its retail and MSME services, strengthen financial inclusion in underbanked areas, and leverage its trust advantage to capture new customers, drive deposits, lending, and fee-based revenue sustainably.

KARNATAKA BANK LIMITED STOCK MARKET PRESENCE: LISTINGS & INDEX REPRESENTATION

Karnataka Bank Limited Stock Market Presence: Listings & Index Representation

Karnataka Bank Limited listed on the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE) after its public issue in October 1995. The bank’s equity shares trade under the symbol KTKBANK on the NSE and the scrip code 532652 on the BSE, representing ordinary equity shares in the private sector banking category.

The bank participates in several domestic stock market indices that reflect its role in India’s financial markets. Karnataka Bank is part of the BSE 1000, Nifty Microcap 250, Nifty Total Market, S&P BSE Mid Small Cap, S&P BSE Small Cap, S&P BSE Finance, and S&P BSE All Cap indices. Membership in these indices highlights the stock’s presence across capitalisation segments in equity markets and broader benchmark families.

Listing on both major Indian exchanges ensures Karnataka Bank stock price has readily accessible liquidity and continuous market pricing. Inclusion in multiple indices—particularly microcap and total market indices—supports broader visibility among domestic and institutional market participants and ensures the bank’s equity is tracked in various passive and rule based investment strategies.

Karnataka Bank Limited Stock Performance and Share Price History

Karnataka Bank share price on NSE and BSE reflects its position as a mid-cap private-sector bank in India. Performance is influenced by loan growth, deposits, net interest margins, asset quality, and capital adequacy under RBI regulations. Investors track Karnataka Bank share price today relative to peers and sector indices like Nifty Microcap 250 and BSE 1000. Underlying trends are visible across daily, monthly, quarterly, and annual periods. For example, the stock has seen cyclical movements due to credit growth, earnings cycles, and broader economic conditions, impacting Karnataka Bank share price historically.

Broader sector strength and macroeconomic developments have influenced Karnataka Bank stock price movements. In 2022, the stock rose sharply by 154.54%, reflecting recovery after moderate 2021 growth of 8.83%, and aligning with sector-wide improvement in lending and liquidity. Similarly, strong growth in 2023 of 55.07% followed the exceptional 2022 rally. However, declines in 2018 (-25.61%) and 2019 (-33.95%) were driven by cautious lending and sector stress, showing how Karnataka Bank share price correlates with banking cycles.

Corporate actions and technical factors have also played roles. While bonus issues, rights issues, or stock splits are less frequent, investor behaviour, trading volumes, and market sentiment influenced Karnataka Bank share price movements. Short-term swings often reflected quarterly earnings announcements or regulatory updates. These movements are evident in 2024 (-7.53%) and 2025 (-3.12%), where investor caution and market corrections moderated gains despite underlying operational stability.

Looking at 52-week highs and lows provides context for Karnataka Bank stock price history. The all-time high end-of-day price reached ₹270.39 on January 15, 2024, while the lowest recorded price was ₹5.98 on October 17, 2000. These extremes illustrate long-term wealth creation and risk in the banking sector. Short-term volatility in 2026 shows an early decline of -8.67%, reflecting investor response to broader market conditions, liquidity, and earnings visibility.

Karnataka Bank share price history shows long-term growth punctuated by corrections. In the early 2000s, stock price rose from 5.41% in 2000 to 170.09% in 2003, driven by operational expansion and investor optimism. Market volatility during 2008 (-64.98%) highlighted the global financial crisis impact. Subsequent recovery in 2009 (65.48%) and 2010 (28.98%) illustrated resilience. Between 2012 (162.67%) and 2017 (36.96%), the stock achieved strong returns, while later periods like 2018 (-25.61%) and 2019 (-33.95%) reflected cyclical banking challenges. Overall, Karnataka Bank stock price displays long-term gains tempered by sector volatility.

Seasonal and quarterly patterns also impact Karnataka Bank share price. Historical data shows average five-year quarterly returns: Q1 -10.78%, Q2 13.88%, Q3 11.16%, Q4 17.51%, with an annual average of 35.48%. For instance, in 2025, Q1 declined -17.8%, Q2 rebounded 11.62%, Q3 -11.64%, and Q4 gained 18.96%, resulting in an annual -3.56%. These patterns illustrate cyclical performance, highlighting how Karnataka Bank share price is affected by quarter-wise earnings, sectoral flows, and economic cycles.

Open, high, low, and close prices reflect investor behaviour. In 1-year performance, Karnataka Bank stock traded between 162.22 and 220.4, closing at 182.12. Monthly movements saw highs of 212.4 and lows of 180.1. Daily, weekly, and quarterly ranges indicate short-term volatility, showing sensitivity to sector trends and market sentiment. Karnataka Bank share price reacts to broader index movements while reflecting its own operational fundamentals.

The historical returns, annual and quarterly, reveal periods of both sharp gains and declines. For example, 2012 delivered 162.67% returns, while 2011 saw -56.07%. In 2014, returns were 32.95%, followed by a decline in 2015 (-14.15%). Similarly, 2020 registered -12.32% due to pandemic-induced disruptions, while 2021 recovered 8.83%. Karnataka Bank share price demonstrates cyclical sensitivity, reflecting interest rate changes, RBI regulations, and credit quality shifts.

Karnataka Bank Limited Investor Relevance and Role in Portfolio

Karnataka Bank holds significance as a core holding in financial sector portfolios and midcap allocations, providing exposure to retail and corporate lending, deposits, and treasury operations. Its presence in multiple indices such as BSE 1000 and Nifty Microcap 250 highlights its importance for investors tracking banking sector trends. The company’s stock plays a role in both short term trading and long term institutional portfolios due to its historical stability, operational scale, and regulated nature. Karnataka Bank share price movements are closely observed by both domestic and global investors.

Institutional investors hold substantial stakes in Karnataka Bank, including names such as Quant Money Managers Ltd., HDFC Bank Limited, Polar Capital Holdings Plc, Bandhan AMC Limited, The Vanguard Group, Life Insurance Corporation of India, Bajaj Finserv Ltd., Dimensional Fund Advisors LP, SBI Life Insurance Company Limited, and Zeal Global Opportunities Fund. These holdings reflect a wide spectrum of financial institutions engaging with the stock, highlighting the bank’s relevance in equity portfolios and its visibility among fund managers and investment houses.

Mutual fund ownership of Karnataka Bank shares is also diverse, with investors such as Quant Mutual Fund, Bandhan Mutual Fund, Polar Capital Funds Plc, Vanguard STAR Funds, Vanguard International Equity Index Funds, iShares Inc., HSBC Mutual Fund, Government Pension Fund Global, DFA Investment Dimensions Group Inc., and Polar Capital Funds PLC holding positions. This mix of mutual fund investors indicates participation across retail, midcap, and emerging market fund strategies, reinforcing Karnataka Bank’s role in structured portfolios.

Karnataka Bank stock is actively tracked in derivatives markets, including futures and options, where open interest, contract rollovers, and option strikes provide signals on market sentiment, credit growth expectations, net interest margin trends, and macroeconomic anticipation. Technical indicators such as RSI, MACD, and MFI provide insight into short term momentum and potential volatility. These tools assist portfolio managers in monitoring Karnataka Bank share price for hedging or rebalancing without influencing investment decisions.

Karnataka Bank beta, reflecting its volatility, shows a long-term beta of 1.63. Daily one month beta is 1.41, three month daily beta is 0.663, weekly one year beta is 0.733, weekly two year beta is 1.16, two week two year beta is 1.11, and monthly two year beta is 1.65. The mean beta is 175.84, with a standard deviation of 12.48 across periods. These values indicate moderate to slightly higher market correlation, reflecting sensitivity to both short term sector shifts and longer term market movements. Karnataka Bank share price reacts to macroeconomic conditions while maintaining relative stability in institutional portfolios.

Karnataka Bank Limited Sectoral Relevance and Peer Positioning

Karnataka Bank’s sectoral relevance derives from its scale in retail and corporate lending, CASA ratios, risk-adjusted profitability, and operational reach within India’s BFSI ecosystem. Peer comparisons with ICICI Bank, Axis Bank, and Kotak Mahindra Bank focus on loan book size, capital adequacy, net interest margins, asset quality, and digital penetration rather than short-term stock moves. These benchmarks provide context for operational scale, efficiency, and compliance adherence, illustrating the bank’s position among mid-cap private banks.

Karnataka Bank’s sectoral importance is also reflected in financial and market metrics that demonstrate its scale, stability, and systemic impact.

Karnataka Bank market cap demonstrates long-term growth interspersed with periods of correction. Market cap stood at ₹68.93 billion in January 2026, down from ₹76.51 billion in 2025 and ₹81.48 billion in 2024. Earlier values include ₹81.23 billion in 2023, ₹47.34 billion in 2022, ₹19.14 billion in 2021, and ₹17.95 billion in 2020. The market cap showed notable expansion in 2017 to ₹42.75 billion and a recovery in 2016 at ₹25.88 billion. Earlier cycles reflected market adjustments: ₹27.52 billion in 2014, ₹20.97 billion in 2013, and ₹31.55 billion in 2012. These shifts correlate with investor sentiment, sector performance, and Karnataka Bank share price trends, marking periods of expansion and moderation.

Karnataka Bank earnings illustrate operational performance over time. In 2025, earnings stood at ₹14.70 billion, down from ₹16.12 billion in 2024 and ₹16.80 billion in 2023. Previous years include ₹11.06 billion in 2022, ₹4.51 billion in 2021, ₹6.04 billion in 2020, and ₹4.62 billion in 2019. Earnings experienced declines in 2011 and 2015, with recovery phases in 2012 (₹4.28 billion) and 2013 (₹4.57 billion). The long-term trajectory highlights periods of credit growth, regulatory provisioning, and profitability management, influencing Karnataka Bank stock price and reflecting the cyclicality of mid-cap private banking earnings in India.

Karnataka Bank EPS data shows gradual growth alongside cyclic fluctuations. EPS was ₹32.59 in 2025, following ₹34.49 in 2024 and ₹32.12 in 2023. Earlier, the bank reported ₹24.56 in 2016, ₹20.50 in 2017, and ₹17.88 in 2018. EPS variations align with earnings, asset quality pressures, and interest margin trends. Declines in some years reflect regulatory provisioning and sectoral stress, while increases indicate strong credit growth or recovery phases. Tracking EPS alongside Karnataka Bank share price provides context on operational efficiency and investor perception of mid-cap private banks over multi-year horizons.

Karnataka Bank P/E ratio reflects market valuation trends relative to earnings. In January 2026, P/E stood at 5.28, compared with 6.30 in 2018 and 7.97 in 2017. Earlier ratios included 4.54 in 2016, reflecting undervaluation during periods of lower investor confidence or heightened sector risk. The P/E trajectory highlights the market’s assessment of growth, earnings visibility, and risk-adjusted returns. Observing Karnataka Bank stock price alongside P/E trends helps contextualise valuation relative to mid-cap banking peers and broader market conditions across cyclical banking phases in India.

Summary

Karnataka Bank Limited, a private-sector bank headquartered in Mangaluru, demonstrates sustained relevance in India’s mid-cap banking segment. The company operates across retail, corporate, and treasury services, with its share price reflecting credit growth, deposit trends, net interest margins, and sectoral cycles. Listing on NSE (KTKBANK) and BSE (532652) ensures liquidity and market participation. Institutional and mutual fund holdings, derivatives activity, and technical indicators provide insights into Karnataka Bank share price movements. Historical performance, earnings, EPS, and P/E trends underscore the bank’s operational trajectory, sector positioning, and portfolio relevance in India’s financial ecosystem.