Karnataka Bank share price today

Karnataka Bank Ltd's share price was ₹310.90 at the close on 4 November 2026. It has been rising for 46 weeks. That is 12.7% above its average price over the last 200 trading days. In the last 52 weeks it traded between ₹174 and ₹340, and at that close it sat 82% of the way up from that low.

A share price tends to move through four phases: moving sideways (stage 1), rising (stage 2), stalling near a high (stage 3) and falling (stage 4). Today Karnataka Bank Ltd is in stage 2. The phase helps read everything below.

Over the past 13 weeks it has done better than the NIFTY 500, and it has stayed ahead for 17 weeks in a row.

Over the last 11 years the share price moved +384% while the NIFTY 500 moved +257%, so it is ahead of the index over that whole period. The chart above shows the 13-week comparison for every week.

This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row.

Three changes stood out: bad loans at their lowest share in 17 quarters, foreign funds (FIIs) raised their stake for 3 quarters in a row and highest quarterly profit in 17 quarters.

1. Bad loans at their lowest share in 17 quarters

   Gross NPA, the share of loans not being repaid, was 2.27% in the September 2026 quarter, from 3.33% a year earlier.

   Why: Bad loans fell because the bank was stricter about who it lends to and kept a closer watch on repayments, so fewer loans went bad.

   Next results: check whether the big recoveries expected in the December quarter actually come in.

   From the earnings call on 29 Oct 2026.

2. Foreign funds (FIIs) raised their stake for 3 quarters in a row

   From 11.7% to 16.3% of the company by the September 2026 quarter.

3. Highest quarterly profit in 17 quarters

   Profit of ₹436 crore in the September 2026 quarter is the highest of the last 17 quarters.

   Why: Profit rose because interest earned on loans grew faster than deposit costs, and running costs fell as a share of income.

   Next results: check whether running costs stay around 51% to 52% of income as management expects, helped by more business and tech savings.

   From the earnings call on 29 Oct 2026.

For July to September 2026 (the quarter ended 30 September 2026), Karnataka Bank reported total income of ₹2,504 crore, up 14.9% from ₹2,179 crore a year earlier, and a profit of ₹436 crore, up 36.7% from ₹319 crore.

Karnataka Bank results: July to September 2026 against a year earlier

The next results, for October to December 2026, are due by 14 February 2027: listed companies must publish quarterly results within 45 days of the quarter's end (60 days for the January to March quarter).

Karnataka Bank's management discussed these results on a call held on 29 October 2026; what it said is further down this page.

From the company's reported quarterly results (quarter ended 30 September 2026). Income and profit in ₹ crore.

Karnataka Bank closed at ₹310.90 on 4 November 2026, up 71.8% from ₹180.95 a year earlier (7 November 2025) and up 341.6% over five years. Its highest weekly close since February 2016 was ₹340.10 on 4 September 2026.

Karnataka Bank share price: then and now

Weekly closing prices, adjusted for splits and bonuses so every price is on today’s share count. Each change is the move from that price to the 4 Nov 2026 close. A day's intraday high or low can go beyond these weekly closes.

566 weekly closes from 26 February 2016 to 4 November 2026.

4 Nov 2026: Karnataka Bank closed at ₹310.90, up 4.3% on the week and down 3.3% on the month. 29 Oct 2026: Karnataka Bank held its results call for July to September 2026. Management guided: Advances growth 15-20% and liabilities growth 10-15% with overall business around 15% in FY27.

Earlier

• Results for July to September 2026: Total income up 14.9% and profit up 36.7% on a year earlier.
• 15 Sep 2026: ex-date for a dividend of ₹5 a share.

Karnataka Bank paid ₹5 a share in regular dividends in the 12 months to 5 November 2026 (1 payment), a yield of 1.61% at the ₹310.90 close on 4 November 2026. The last was a dividend of ₹5 a share, ex-date 15 September 2026.

Karnataka Bank dividends since 1 April 2021

Amounts as the company declared them on the NSE. A dividend goes to whoever owns the shares before the ex-date.

Yes. Karnataka Bank Ltd paid out 14% of its profit as dividends in FY26, and it paid a dividend in 12 of its last 13 reported years.

From the NSE corporate-actions record, read 5 November 2026.

On the call for July to September 2026, held on 29 October 2026, Karnataka Bank's management guided: Advances growth 15-20% and liabilities growth 10-15% with overall business around 15% in FY27.

“There may be an impact of 1% to 1.5%, or 1.75%.”Raghavendra S. Bhat, on the call for July to September 2026

What management guided

• H2 business addition ₹18,000 crore to complete ₹33,000 crore annual plan after ₹15,000 crore in H1; advances AOP ₹83,000 crore to ₹98,000 crore.
• Portfolio mix to retail 60%, mid-corporate 22% and large corporate 18% going forward.
• NIM 3-3.4% with bias to upper end on T-bill reset pass-through in H2.
• ROA 1.1-1.4% in H2 with continuous improvement stance.

Management’s own plans and goals, from our notes of the call. A plan is not a result.

Source: the call transcript.

From the call for July to September 2026, 29 October 2026.

The changes showing up in Karnataka Bank's own numbers are costs spread over more sales and fewer bad loans. It is too early to say whether they last.

We check 16 kinds of change in every company, such as costs spread over more sales, higher-value products, new orders, new regions or falling debt, against its reported numbers and what management said on its calls. Only changes the numbers back are shown.

Checked against results and calls up to April to June 2026, 10 October 2026. The July to September 2026 results are out since, so this part may be out of date until we update it.

A renewed rise in net non-performing loans alongside falling net interest margin would show that collections and funding repricing are no longer sustaining the recovery.

Each change stops working if

• Liability repricing: Deposit competition forces funding costs upward before asset yields stabilize.
• Collections and asset-quality improvement: Fresh slippages exceed collections and net non-performing loans start rising.
• Distribution and deployment: Branch and hub expansion raises costs without delivering risk-adjusted loan growth.

The main risks

• : Low credit costs may not survive stressed-account normalization. ⚠ estimate
• : Guidance revisions reduce the reliability of an unqualified turnaround forecast. ⚠ estimate
• : Margin recovery depends on deposit pricing while loan yields are still falling. ⚠ estimate
• : Recovery income and employee provisions complicate extrapolation of quarterly profit. ⚠ estimate

Our read after the April to June 2026 results, written 10 October 2026. The July to September 2026 results are out since, so this part may be out of date until we update it.

When Karnataka Bank reports October to December 2026, these are the 4 checks that show whether the story is still on course. First: Net interest income stays above ₹939 crore and cost-to-income stays at or below 55% in the September 2026 quarter, with loans growing at least as fast as deposits.

Karnataka Bank is on 4 of our India lists: Multibagger study list, Momentum stocks, Dividend stocks and Bank stocks.

Karnataka Bank Ltd earned ₹436 Cr of net profit in the Sep 2026 quarter, +36.7% on the same quarter a year earlier. That is the 4th quarter in a row of profit growth. Full-year FY26 profit was ₹1,311 Cr. Over 10 years profit has grown 12.2% a year on average. That is 17.4% of the quarter's revenue.

Net profit is what is left after every cost, interest and tax. Earnings per share, dividends and book value all grow from it.

The same quarter a year earlier earned ₹319 Cr.

For the full year, FY26 profit was ₹1,311 Cr (+3.0% on the year before).

Why profit moved: revenue changed +14.9% on a year earlier and the margin moved +2.8 percentage points. Most of the change came from keeping more of each sale.

On average over the last four quarters, profit changed +36.0% and revenue +4.8%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra rupee of revenue adds more to profit.

FY27-Q1. revenue ₹2,383 Cr and profit ₹419 Cr as reported.

FY27-Q2. revenue ₹2,504 Cr and profit ₹436 Cr as reported.

Why-sources: our stock research file (10 October 2026) and the company’s own results for those quarters.

Karnataka Bank Ltd reported ₹2,504 Cr of income in the Sep 2026 quarter, +14.9% on the same quarter a year earlier. That is the 2nd quarter in a row with growth on the year before. Over 10 years it has grown 6.0% a year on average. The last full year, FY26, came in at ₹8,918 Cr.

For a bank, revenue is everything it earns: interest on its loans plus fees and other income.

The last four reported quarters add to ₹9,364 Cr.

FY26 revenue was ₹8,918 Cr, −1.1% on the year before.

Recent pace: the last four quarters grew +4.8% on average, against 6.0% a year over the longer run, so this year is growing slower than its own long-run rate.

Is growth speeding up? Revenue over the last 12 months grew +4.7%, against +3.0% a year over the last 8 quarters (stabilising); profit over the last 12 months grew +35.4%, against +7.6% a year (accelerating).

FY27-Q1. revenue ₹2,383 Cr and profit ₹419 Cr as reported.

FY27-Q2. revenue ₹2,504 Cr and profit ₹436 Cr as reported.

Why-sources: our stock research file (10 October 2026) and the company’s own results for those quarters.

Karnataka Bank Ltd's net margin was 17.4% in the Sep 2026 quarter, 2.8 percentage points higher than the same quarter a year ago. Across 13 years it has been between 6.0% and 16.3%. The latest quarter is above every full year in that period.

Net margin is what the bank keeps from every ₹100 of revenue after every cost, provision for bad loans and tax. It is the clearest single margin we can read for a lender.

Why this happened. Funding costs fell faster than loan yields, lifting the lending spread.

Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason.

FY27-Q1. revenue ₹2,383 Cr and profit ₹419 Cr as reported.

FY27-Q2. revenue ₹2,504 Cr and profit ₹436 Cr as reported.

Why-sources: our stock research file (10 October 2026) and the company’s own results for those quarters.

Karnataka Bank Ltd's gross NPA, the share of loans that have stopped being repaid, is 2.27% in Sep 2026, down from 3.33% a year ago. After the money already set aside for bad loans, 0.74% is left (net NPA). That is the 5th quarter in a row of improvement.

Gross NPA is the share of the loan book where repayments have stopped. Net NPA is what is left after the money the lender has already set aside for those loans. Falling is good; rising is a warning.

Across the 12 quarters on file it has been between 2.27% and 3.64%. Falling bad loans mean the loan book is healing; rising ones mean new damage.

In Sep 2026, gross NPA was 2.27% and net NPA 0.74%, against 3.33% and 1.35% a year ago.

In short: a lender's profit growth is only as good as its loans, and this loan book is healing, several quarters running. Quarterly detail on money set aside for bad loans is not in our data yet, so this shows the levels and the trend, not the cost of the clean-up.

Why bad loans moved: recoveries, write-offs and new bad loans all play a part. That split is not in our data, so the page shows the trend without the breakdown.

Karnataka Bank Ltd's revenue was ₹8,918 Cr in FY26, −1.1% on the year before, so the loan book is not growing. The latest quarter was +14.9% on a year earlier. The net margin on that income is 17.4%, +2.8 percentage points on a year ago.

We read the loan book through revenue: when the book grows, revenue grows with it. It is only a rough guide, because interest-rate changes and fee swings can move it a few points in any year.

Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year.

In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Gross NPA is the loan-quality figure this page uses.

Karnataka Bank Ltd's P/BV is 0.8×, near the high end of its own history: higher than 86% of past readings. Its usual P/BV (the middle reading) is 0.6×, over 11 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth.

For a bank or lender we compare the price with book value, the net worth on its balance sheet. P/BV is how many rupees the market pays for each ₹1 of that net worth. Below 1× means the market values it at less than its net worth.

Why the multiple is low: this lender earns about 10% a year on its equity. A lender that earns less on its net worth is valued lower for each rupee of it, and that gap usually closes only if returns improve.