Karnataka Bank Ltd
Ticker: KTKBANK
Risky
48/100
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Investing Reference
Price
171.05
Market Cap
6467.16
Debt/Equity
0.0000
ROE %
11.101
PB
0.5351
Promoter %
0.000
Pledge %
0.000
1Y Rev Growth %
6.922
5Y Rev Growth %
5.857
NP Margin %
12.378
NP Margin 5Y Avg %
10.730
Trading Reference
1M Return %
0.443
6M Return %
-3.503
1Y Return %
-27.454
% Away 52W High
41.760
% Away 52W Low
5.456
Daily Volume
513085
Investment Verdict
Buy
Score 77/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 15/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Karnataka Bank Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If it breaks above the resistance level, there is potential for a significant upside. However, if it falls below the support, downside risks may increase.
Upside Probability: 20% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Karnataka Bank Ltd is a prominent private sector bank in India, catering to a diverse clientele that includes individuals, businesses, and corporate entities. Established in 1924, it has built a strong reputation for its customer-centric approach and innovative banking solutions. The bank plays a vital role in promoting financial inclusion and supporting the economic growth of the regions it serves. With a robust network of branches and digital banking facilities, Karnataka Bank is committed to delivering reliable and efficient banking services to its customers.
- Established in 1924, with a rich legacy.
- Offers a wide range of banking services.
- Focus on customer satisfaction and financial inclusion.
- Strong presence with a vast branch network.
- Innovative digital banking solutions for convenience.
Investment Thesis
Karnataka Bank Ltd presents a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. With a solid foundation and a focus on innovation, the bank is well-positioned for future growth.
- Strong promoter group enhances credibility and trust.
- Significant growth potential in digital banking services.
- Attractive valuation metrics compared to industry peers.
- Solid financial performance with consistent profitability.
- Strategic initiatives aimed at expanding market presence.
Opportunity vs Risk
Opportunities
- Strong growth in retail banking
- Expanding digital services
- Improved asset quality
- Rising interest rates benefit margins
Risks ⚠️
- High non-performing assets
- Regulatory changes impact operations
- Intense competition in banking
- Economic slowdown affects growth
Peer Perspective
Karnataka Bank Ltd trades at a discount to peers like HDFC Bank and ICICI Bank, primarily due to lower ROCE. A focus on margin stability and improved asset quality could trigger a rerating.
Future Outlook
Karnataka Bank Ltd is well-positioned for growth, driven by its expanding retail portfolio; however, successful execution of strategic initiatives and effective cost control will be essential to maximize shareholder value.
📊 Stock Investment Checklist (100 Points)
Karnataka Bank Ltd • Updated: 2025-09-17 03:01:46
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8BusinessHighThe banking sector is evolving with digital transformation, but competition is intense.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are moderate, but cash flow has shown some volatility.
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9ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is decent, but there are concerns about transparency.
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5DriversGoodGrowth drivers are limited, with execution risks in new initiatives.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Karnataka Bank Ltd shows potential but faces significant challenges in growth and market sentiment, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100