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The Karnataka Bank Ltd (KTKBANK)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532652 NSE: KTKBANK Bank - Private | Small Cap | Karnataka Bank Share Price

₹265.20 -3.55 (-1.32%)

As on 24-Jun'26 16:59

The Karnataka Bank Ltd (KTKBANK)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532652 NSE: KTKBANK Bank - Private | Small Cap | Karnataka Bank Share Price

₹265.20 -3.55 (-1.32%)

As on 24-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹10,025 Cr.
Current Price
₹265.2
52-Week Low / High
₹169 / 283
TTM EPS
₹34.7
TTM Sales
₹8,918 Cr.
Book Value per Share
₹334.5
P/E Ratio
7.65
Higher than its 5-year historical median
Industry PE
18.7
Price to Book (P/B)
0.79
Higher than its 5-year historical median
EV/EBITDA
2.25
Higher than its 5-year historical median
Dividend Yield
1.89%
Profitability Efficiency
Return on Equity (ROE)
11.61%
Return on Capital Employed (ROCE)
12.35%
Net Interest Margin (NIM)
3.04%
Return on Assets (ROA)
1.07%
Growth Momentum
1-yr vs 3-yr growth
Deposit Growth (1 Year)
Slowing versus 3-year growth rate
6.96%
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
0.35%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
11.8%
Asset Quality
CASA
31.8%
Gross NPA(%)
3.08%
Net NPA(%)
1.31%
Cost to Income Ratio
60.11%
Cost of Liabilities
5.34%
Reserves
₹12,266 Cr.
Equity
₹378 Cr.
Face Value
₹10
All Time Low / High
₹11.17 / 286.35

The Karnataka Bank stock performance

Key Ratios
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Quality

Not Good
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Valuation

Somewhat Overvalued

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Price Trend

Semi Strong
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Q.1 Is The Karnataka Bank Ltd a good quality company?
The Karnataka Bank Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

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We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NIM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth and Cost-to-Income ratio.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

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How does The Karnataka Bank Ltd performance compare with that of its Peers?
Q.1 AUM Growth of The Karnataka Bank Ltd vs Industry Peers?
The Karnataka Bank Ltd AUM CAGR is 7.74%, compared to the 5-year industry median CAGR of 13.65%, indicating slower growth and losing its market share.
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Q.1 Promoter shareholding and pledge status of The Karnataka Bank Ltd?
Promoters hold 0.00% of the The Karnataka Bank Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of The Karnataka Bank Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 11.6% based on the current price.
View More

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
The Karnataka Bank Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Net Interest Income (₹ Cr.)1,3031,4911,8581,9052,0302,1832,4913,1853,2993,3103,119
YoY Gr. Rt. %-14.4%24.6%2.6%6.6%7.5%14.1%27.9%3.6%0.4%-
Total Income5,5355,9956,3786,9087,7367,6377,1768,2139,61710,28310,321
YoY Gr. Rt. %-8.3%6.4%8.3%12%-1.3%-6%14.5%17.1%6.9%-
Adj EPS (₹ ) 16.314.610.515.413.915.516.437.834.633.734.7
YoY Gr. Rt. %--10.9%-28%46.6%-9.5%11.7%5.4%131.1%-8.4%-2.8%-
BVPS (₹ )144.9151.8160.6172.8176.9198.7213.3246.6274.2306.5334.5
YoY Gr. Rt. %-4.8%5.8%7.6%2.4%12.3%7.3%15.7%11.2%11.8%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)0.80.80.50.60.50.60.61.21.21.11
To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)2.42.6333.13.22.41.71.61.31
To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)-----------

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income10.9%10.3%9.9%0.4%
Total Income7.1%5.9%12.7%6.9%
Adj EPS8.4%19.4%27.2%-2.8%
BVPS8.7%11.6%12.9%11.8%
Share Price 10.3% 33.5% 20.5% 27.9%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Interest Earned / Total Income90.1986.585.0485.583.6981.6186.7187.9186.2987.6586.4
Margins To view Margins Colour Rating Guide click here ⓘ
NIM (%)2.52.52.82.62.62.833.63.232.4
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)11.710.86.79.27.98.37.916.514.511.610
Liquidity Ratio To view Liquidity Ratio Colour Rating Guide click here ⓘ
CASA (%)26.3292828.128.931.533333231.8-

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income +5,5355,9956,3786,9087,7367,6377,1768,2139,61710,283
Interest Income 4,9925,1855,4245,9066,4756,2326,2227,2208,2999,014
Other Income ⓘ 5438099541,0021,2621,4049549931,3191,270
Expenditure +4,6814,9994,9055,4586,0805,7285,5426,0057,4548,456
Interest Expense 3,6893,6953,5664,0014,4444,0493,7314,0355,0005,703
Operating Expenses 9911,3041,3391,4571,6351,6791,8111,9692,4542,753
Provisions3135241,0658141,1401,291929767609186
Profit Before Tax5284683106085226126951,4411,5631,641
Taxes 11316-1513190129186261256368
Profit After Tax 4154523264774324835091,1801,3061,272
Adjusted EPS (₹)16.3214.5510.4715.3513.8915.5216.3537.7934.6333.67
Dividend Payout Ratio (%)22.70%25%26%20.70%0%11.60%24.50%13.20%15.90%14.90%

Valuation of Karnataka Bank - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Share Capital ⓘ 188283283283311311311312377378
Total Reserves ⓘ 3,4994,8605,1285,5035,6606,3316,7847,90110,47011,706
Deposits50,48856,73362,87168,45271,78575,65580,38787,36897,9881,04,807
Borrowings ⓘ 1,0518338163,3264,0651,7652,3141,5634,4001,941
Minority Interest0000000000
Other Liabilities 1,2731,3301,2761,4831,4931,5531,7891,9142,8492,130
Total Liabilities ⓘ 56,50064,03970,37479,04683,31385,61591,58499,0581,16,0851,20,962

Assets

Balance with RBI 2,6462,9293,5463,4122,7564,8663,9575,2047,7177,526
Balance with Banks39934555198163449480955337459
Investments ⓘ 16,25720,22015,44416,18517,54521,63522,04123,32624,30224,537
Advances 33,90236,91647,25254,82856,96451,51656,78359,95271,50976,541
Net Block ⓘ 307721762775826838805846915976
Other Assets2,9902,9093,3153,6485,0586,3107,5058,74611,29310,909
Total Assets ⓘ 56,50064,03970,37479,04683,31385,61591,58499,0581,16,0851,20,962

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ 636-184721-2,231-903,369-4671,830681210
Cash Flow From Investing Activity ⓘ -58-40-91-68-56-87-56-87-369-691
Cash Flow From Financing Activity ⓘ -147453-3032,307-545-885-355-201,582412
Net Cash Flow ⓘ 4312293279-6902,396-8791,7231,894-69

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)221611.5016.9013.9015.5016.4037.8034.6033.70
DPS (₹)5433.5001.80455.505
BVPS (₹)195.7167176.7190.1176.9198.7213.3246.6274.2306.5

Margin Ratios

Yield on Advances (%)14.714.111.510.811.412.111.012.011.611.8
Yield on Investments (%)7.77.88.87.88.98.26.26.26.26.3
Cost of Liabilities (%)7.26.45.65.65.95.24.54.54.95.3
NIM (%)2.52.52.82.62.62.83.03.63.23.0
Interest Spread (%)7.67.65.95.25.56.96.57.56.76.4

Performance Ratios

ROA (%)0.80.80.50.60.50.60.61.21.21.1
ROE (%)11.710.86.79.27.98.37.916.514.511.6
ROCE (%)13.710.56.610.38.08.89.417.614.312.4

Efficiency Ratios

Cost to Income Ratio (%)53.756.747.650.149.746.852.647.153.260.1
Operating Costs to Assets (%)1.82.01.91.82.02.02.02.02.12.3

Valuation Parameters

Price/Book(x)0.50.80.70.70.20.30.30.60.80.6

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

The Karnataka Bank Ltd FAQs

The current trading price of Karnataka Bank on 24-Jun-2026 16:59 is ₹265.2.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 23-Jun-2026 the market cap of Karnataka Bank stood at ₹10,025.2 Cr

The latest P/E ratio of Karnataka Bank as of 23-Jun-2026 is 7.65.

The latest P/B ratio of Karnataka Bank as of 23-Jun-2026 is 0.79.

The 52-week high of Karnataka Bank is ₹282.9 and the 52-week low is ₹169.1.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Karnataka Bank is ₹8,918 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that The Karnataka Bank Ltd is a below average quality company.

The key valuation ratios of The Karnataka Bank Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of The Karnataka Bank Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

About The Karnataka Bank Ltd

The Karnataka Bank, a leading 'A' Class Scheduled Commercial Bank in India, was incorporated on February 18th, 1924 at Mangaluru, a coastal town of Dakshina Kannada district in Karnataka State. The bank took shape in the aftermath of patriotic zeal that engulfed the nation during the freedom movement of 20th Century India. Over the years the Bank grew with the merger of Sringeri Sharada Bank Ltd., Chitradurga Bank Ltd. and Bank of Karnataka. Presently, it has emerged as a leading financial service institution in India.

The Bank is a professionally managed scheduled commercial bank. Its principal business activities encompass retail banking, wholesale banking, and treasury operations. It offers a wide array of banking products and services through various channels, including branches, ATMs, call centres, internet banking, and mobile banking. 

The Bank's branch network is complemented by alternative service delivery channels such as internet banking, mobile banking, digital banking solutions, Aadhar-enabled payment systems, point of sale (POS) systems, QR payments, UPI, a 24/7 contact centre, mPassbook, micro-ATMs, prepaid gift cards, payment gateway services, and business correspondent services. These services are part of Bank's commitment to financial inclusion and are supported through various partnerships and tie-ups.

Business area of the bank

The Bank is engaged in providing, a wide range of banking and financial services. The Bank caters to four key segments, including Retail and Personal Banking, Agri-banking, Business and MSME, and NRI Priority Banking. The Bank’s product innovations are aligned with its strategic focus on ‘RAM’ - Retail, Agriculture, and MSME, enabling it to support inclusive growth and build long-term customer relationships.

Awards

2015-16

  • Karnataka Bank Bags MSME Banking Excellence Awards 2015'. -'Karnataka Bank Bags Four Assocham Social Banking Excellence Awards'. -'Karnataka Bank introduced one more new technology based facility 'Online Account Opening'. -Karnataka Bank bags IBA Banking Technology Award. -'Karnataka Bank Launches 'Cash Back Campaign' on VISA Debit Cards'. -Karnataka Bank launches anti-tobacco campaign as part of CSR. - 'Karnataka Bank bags CFBP Jamnalal Bajaj Awards 2015'. -'Karnataka Bank bags IDRBT Banking Technology Award'. -'Karnataka Bank launches 'KBL POS MANAGER' Android Mobile App for its POS (EDC) Merchants'.

2017-18

  • ASSOCHAM Social Banking Excellence Award 2017 under the category “Overall Best Social Bank for Small Bank Class”, received on 17-02-2018.
  • ET NOW BFSI (Banking Financial Services & Insurance) Awards, 2018 under the categories ‘Bank with more Rural Branch expansion’ and ‘Bank with leading Financial Inclusion initiatives’, received on 14-02-2018.
  • Award for achieving 100% Branch activation of the social security scheme Atal Pension Yojana, in the ‘Atal Pension Yojana, People First Campaign - Uttar Pradesh’, organized by PFRDA, received on 06-02-2018.
  • 'Best Financial Services & Foreign Exchange Earner in Southern Region’ award for the year 2016-17 under GOLD Category, instituted by FIEO, received on 18-01-2018.
  • ASSOCHAM India - SMEs Excellence Award 2017, for rendering Excellent Service in SME Sector under Private Sector category, instituted by ASSOCHAM, India, received on 14-12-2017.
  • Appreciation certificate “Impactful Financial Inclusion through Innovations & Process” for the bank’s contribution in the Financial Inclusion space, instituted jointly by Union Bank of India and CNBC TV18, received on 05-12-2017.

2018-19

  • ‘Bank with Best Technology Orientation” and “Best Corporate Social Responsibility Practices” awards instituted by ET NOW – World BFSI Congress, received on 14-02-2019.
  • Award in Atal Pension Yojana “Perform for Pride” Campaign under Branch Category, conducted by PFRDA, received on 11-02-2019.
  • Award in Atal Pension Yojana “Lead to Leap Award” Campaign, conducted by PFRDA, received on 16-11-2018.
  • ASSOCHAM SMEs Excellence Award – 2018, under “Excellent Service (Private Sector)” category, instituted by ASSOCHAM, received on 24-10-2018.
  • Award in Atal Pension Yojana “Winners Arts of Possible” Campaign 2018-19, conducted by PFRDA, received on 05-10-2018.
  • Award in Atal Pension Yojana “Winners of Winning Wednesday” Campaign under Branch Category, conducted by PFRDA, received on 05-10-2018.
  • Award in Atal Pension Yojana “Winners of Winning Wednesday” Campaign under RO Category, conducted by PFRDA, received on 05-10-2018.
  • Best Performing Bank award in the Atal Pension Yojana ‘People First’ campaign at Tamilnadu for 100% Branch Activation of APY scheme, conducted by PFRDA, received on 06-08-2018.
  • Best Performing Bank award in the Atal Pension Yojana ‘Icons of Inspiration’ Campaign held from 14-03-2018 to 31-03-2018, conducted by PFRDA, received on 06-08-2018.
  • ‘Best MSME Bank Award - Runner Up’ instituted by Chamber of Indian Micro Small & Medium Enterprises [CIMSME], received on 20-07-2018.

2019-20

  • Best MSME offering under Private Sector category in ASSOCHAM 7th National MSMEs Excellence Awards, instituted by ASSOCHAM, received on 30-01-2020.
  • Third Best Performed Bank award at National Level under Old Private Sector Bank Category for the year 2018-2019, instituted by State Forum of Bankers’ Clubs, Kerala, received on 15-12-2019.
  • ET Business Excellence Award 2019, in the category “Excellence in Banking Service” received on 19-09-2019.
  • STP Award 2018: In recognition of Bank’s outstanding payment formatting and straight-through rate, instituted by Bank of New York, Mellon.
  • Bank’s in-house magazine ‘ABHYUDAYA ‘- awarded as the Best In House Magazine in the National Awards for Marketing Excellence presented by Business Television India (BTVI).
  • Bank bags Atal Pension Yojana “Game Changers” award instituted by PFRDA on 01-07-2019, for achieving 100% of AAPB target for the FY 2018-19.

2020-21

  • Karnataka Best Employer Brand Awards 2020.

2021-22

  • The RUNNER UP under ‘Customer Journey Reimagination’ category among the ‘Mid-Size Bank segment’ by INFOSYS Innovation Global Awards 2021.
  • Awards from CIMSME (Chamber of Indian Micro Small and Medium Enterprises), New Delhi. Best Branding Private Bank- Runner-Up.
  • Kanhangad Branch of the Bank in Kerala has been adjudged as ‘Third Best Branch in Kerala State’ under Private Sector Bank Category for the year 2020-21 by State Forum of Bankers’ Club (Kerala) in SFBCK Banking Excellence Awards 2021.
  • Award of Excellence- ‘APY- Mega Login Stars’ from PFRDA (Pension Fund Regulatory & Development Authority
  • The bank is conferred with the ‘Top Organizations with Innovative HR Practices’ award at the 19th edition of the Asia Pacific HRM Congress held on October 26, 2021.
  • ‘Best MSME Bank of the year – Winner’ Award among Private Sector Banks at the 8th MSME’s Excellence Awards Ceremony and Summit instituted by ASSOCHAM, New Delhi.

2022-23

  • ‘Excellence Award-Runner Up’ under Lending in Small Bank category by ASSOCHAM 17th Annual Summit & Awards Banking & Financial Sector Lending Companies.
  • Three prestigious awards from Confederation of Indian Industry (CII) - Digital Transformation (DX) in BFSI segment for ‘Innovative’ Best Practice under the following categories: a) ‘KBL HR NxT’ b) ‘KBL Operations NxT’ c) ‘KBL Customer NxT’
  • ‘Award of Par Excellence’ received in APY Strategy Review Meeting & Felicitation Programme organised by PFRDA under ‘Beat the Best & Be the Best’ category for South Zone.
  • ‘Best Technology Talent-Runner Up’ award at the 18th IBA annual Technology Conference, Expo & Awards 2022, conferred by Indian Banks’ Association (IBA) Mumbai.
  • ‘Prathista Puraskar’ under ‘Digidhan Awards 2021-22’ by Ministry of Electronics & Information Technology (MeitY), Govt. of India for achieving target with highest percentage in BHIM-UPI transactions in Private Sector Bank category.

2023-24

  • The Bank has won 3 prestigious awards at 'Infosys Finacle Innovation Awards 2023' under the categories 'Transformation Excellence', 'Process Innovation' & 'Channel Innovation'.
  • The Bank has bagged ‘Exemplary Digital Transformation Strategy’ and ‘Outstanding Data Analytics Initiative’ awards conferred by ‘EletsBanking and Finance’
  • The Bank conferred with ET Edge ICONIC BRANDS OF INDIA-2023 AWARD
  • The Bank bagged ‘Business Icon Award –2023’ sponsored by ‘The Zee Kannada News channel’
  • The Bank won 2 prestigious awards at ‘MSME BANKING & MSEFC Excellence awards 2023’, under the category Best Private sector Bank for creating awareness among MSME (Winner) and Best Private sector Bank for supporting startup’s (Runner Up).

2024-25

  • Won the Gold Award for business Model Innovation from Infosys Finacle.
  • ‘Account Aggregator Ecosystem Awards 2024 for Financial Inclusion’ SAMVAAD 2024 (by Sahamati)
  • Bank has created history by winning awards in six categories at the ‘20th Annual Banking Technology Conference, Expo & Citations, 2024’
  • ‘Best Innovation & Partnership Initiatives’ Assocham 19thAnnual Summit & Awards
  • Bank bags ‘APY Ultimate Champions Award for FY 2023-24’ under Private Sector Banks Category.
  • Bestowed the Digital Media Excellence Award from Indiatelevision.com for exceptional digital content marketing.
  • ‘Outstanding work in Leveraging Data for Growth’ ET BFSI Excellor Award 2024

Milestones

  • 1924: Incorporated and commenced business
  • 1925: Maiden dividend declared
  • 1934: Third branch of the Bank opened
  • 1945: KSN Adiga appointed as a Director of the Bank
  • 1949: Celebrated Silver Jubilee of the Bank
  • 1949: Total deposits at Rs 55.59 lakh; Total Advances at Rs 39.39 lakh; Total 9 Branches
  • 1953: Total Business Turnover crossed Rs 1 crore
  • 1958: Included in the Second Schedule of the Reserve Bank of India Act,1934
  • 1958: KSN Adiga became the Chairman
  • 1959: Bank was upgraded from the D class to C class
  • 1960: Sringeri Sri Sharada Bank Limited was taken over by the Bank
  • 1964: Chitaldurga Bank Limited taken over by the Bank.
  • 1966: Bank of Karnataka Limited was acquired by the Bank
  • 1968: The Bank was upgraded from C class to B class
  • 1970: Paid up Capital grew from Rs 15 lakh to Rs 20 lakh
  • 1971: 100th Branch of the Bank opened.
  • 1971: KSN Adiga appointed as full-time Chairman and Chief Executive of the Bank
  • 1972: Multistoried Head Office Building was constructed at Kodiabail, Mangaluru
  • 1974: Celebrated Golden Jubilee Year of the Bank
  • 1974: Total Deposits at Rs 33.14 crore; Total Advances at Rs 22.09 crore; 146 branches and 1,314 employees
  • 1975: 150th Branch of the Bank Incorporated
  • 1976: Bank’s Authorised Capital increased to Rs 1 crore
  • 1976: First regional office of the Bank opened in Bengaluru
  • 1977: Adopted the emblem designed by Dr K Shivarama Karantha
  • 1977: 200th Branch of the Bank was Incorporated
  • 1977: Bank entered into the foreign exchange business 
  • 1977: Staff training college started at Mangalore
  • 1978: Bank’s Turnover crossed Rs 100 crore
  • 1979: Bank’s Deposits crossed Rs 100 crore mark
  • 1982: 250th Branch of the Bank opened
  • 1984: Diamond Jubilee Year of the Bank
  • 1984: Total Deposits at Rs 200 crore
  • 1984: House Magazine “Abhyudaya” launched
  • 1986: Bank’s Total Deposits crossed Rs 300 crore
  • 1989: Bank’s Deposits crossed Rs 400 crore
  • 1990: Bank’s Authorised Capital increased to Rs 5 crore and paid-up Capital increased to Rs 4.5 crore - highest among the private sector Banks
  • 1990: New deposit schemes - Suvarna Nidhi and Ready Money launched 
  • 1990: Krishi Card introduced 
  • 1990: Merchant Banking division started
  • 1990: Deposits of the Bank crossed Rs 500 crore
  • 1993: Deposits of the Bank crossed Rs 840 crore
  • 1994: Deposits of the Bank crossed Rs 1,000 crore Mark
  • 1996: Public Issue of Rs 45 lakh equity shares in Oct 1995
  • 1996: Bank’s Paid up Capital was raised from Rs 4.5 crore to Rs 13.46 crore
  • 1997: 300th Branch of the Bank Incorporated
  • 1997: Bank’s Shares listed in Bengaluru Stock Exchange and National Stock Exchange of India Limited
  • 1999: Celebrated Platinum Jubilee Year of the Bank
  • 2000: New Technology Platform ‘Finacle’ was unveiled in collaboration with Infosys Technologies Limited
  • 2002: Bank’s Turnover crossed Rs 10,000 crore mark
  • 2002: Highest Dividend of 60% was declared
  • 2002: International inward money transfer services were launched in partnership with Western Union Financial Services Inc., USA
  • 2003: ATM services was introduced by installation of 12 self ATMs
  • 2003: The Bank increased its capital from Rs 13.5 crore to Rs 40.49 crore by issue of 1.34 crore shares
  • 2003: The Bank became Corporate agent for marketing life insurance policies of MetLife India Insurance Co.
  • 2004: The Bank adopted the Mission Statement “To be a technology savvy, customer centric progressive Bank with a national presence, driven by the highest standards of corporate governance and guided by sound ethical values”
  • 2004: Head office shifted to Banks own building near Mahaveera Circle Mangaluru
  • 2005: Introduced multicity cheque payable at par at 200 Branches of 90 centres across India
  • 2005: Launched MoneyPlant Visa International Debit Card
  • 2005: Offered shares on rights basis in the ratio of 2:1
  • 2006: Shares of the Bank listed on BSE Limited
  • 2006: Starts live operations under RTGS system of RBI
  • 2006: MoneyClick Internet Banking launched
  • 2006: Commenced DP Activity under the CDSL
  • 2006: Business Turnover crossed Rs 21,000 crore
  • 2007: 100% CBS Deployment of Finacle Core Banking solution at all branches of the Bank completed
  • 2008: Introduced SMS alerts, online shopping, online payment facilities in merchant establishments, e-Hundi
  • 2008: Business turnover of the Bank crossed Rs 25,000 crore
  • 2009: Implemented the three-way data replication process aimed at zero data loss
  • 2009: Installed CIS Software at all branches for credit proposals
  • 2009: Cheque Truncation System started as pilot project
  • 2010: Introduction of MoneyPlant International Debit Card, m-commerce, e-commerce
  • 2010: Introduction of deposit products: KBL Kishore, KBL Tarun, KBL Salary Privilege, SB Money Platinum, CA Money Platinum
  • 2010: 200th ATM opened; 450th Branch Incorporated
  • 2011: Introduction of deposit products such as KBL Vanitha
  • 2011: Introduction of loan products such as KBL Mortgage, KBL Mahila Udyog, KBL Instant Agri Credit, KBL Agri Gold
  • 2011: Launched KBL Mpower biometric smart card at Babbur Grama in Hiriyur Taluk of Chitradurga District
  • 2011: Offered shares on Rights basis in the ratio of 2:5, at a price of Rs 85
  • 2012: Business Turnover crossed Rs 50,000 crore
  • 2012: Launched Point of Sale network facility
  • 2012: Launched KBL Gift Cards and Travel Card
  • 2012: Launched K family care insurance policy
  • 2013: Commenced to act as a Self Certified Syndicate Bank (SCSB) by providing the facility of Application Supported by Blocked Amount (ASBA).
  • 2013: Launched KBL Mobile, a mobile banking solution.
  • 2013: Launched a corporate caller tune as a part of a new initiative in the branding exercise of the Bank.
  • 2013: The Bank raised Rs 250 crore by issue of non-convertible subordinated debt instruments in the nature of debenture (lower tier 2 bonds) with a tenor of 10 years on private placement basis.
  • 2014: Introduction of Basic Savings Bank Deposit Account and SB Small Account
  • 2014: Introduction of loan products such as MSE Support, Kisan Mitra, Krishik Godham
  • 2015: Incorporated the first e lobby (24x7 banking services) at Bangalore
  • 2015: Opened 1000th MoneyPlant ATM
  • 2015: Business Turnover crossed Rs 75,000 crore
  • 2016: ISO 27001:2013 Released the Centenary Emblem certified by UKAS Management Systems
  • 2016: 2 new Mobile Banking Apps i.e., KBL-Apna App and KBLmPassBook
  • 2017: KBL Smartz UPI App launched
  • 2017: Bank offered shares on Rights basis in the ratio of 1:2
  • 2017: Centralised Account Verification Cell established
  • 2018: KBL Image Debit Card Launched 
  • 2018: Met Loan & Life Suraksha single premium plan and Mobile App launched
  • 2018: The Business Turnover crossed Rs 1,00,000 crore
  • 2019: Deposit Only Card Launch
  • 2019: Launched the Cash@POS facility through its
  • 2019: MoneyClick Internet Banking platform.
  • 2019: Customer Base Milestone: The Bank’s customer base Crossed 1 crore.
  • 2019: KBL Mobile Plus Banking Mobile App Launched
  • 2020: Achieved an all-time high annual net profit of Rs 477.24 crore
  • 2020: Introduced the KBL SB Salary Account with three variants.
  • 2020: Rupay National Common Mobility card launched
  • 2021: Awarded for Digital payments by the Government of India
  • 2021: Incorporated wholly owned non-financial subsidiary KBL Services Limited
  • 2022: Foundation Stone laid for Centenary Building
  • 2022: Bank’s digital transactions reach a new high of 93.22%
  • 2023: Authorised by the Reserve Bank of India (RBI) to collect both direct and indirect taxes on behalf of the Central Board of Direct Taxes (CBDT) and the Central Board of Indirect Taxes and Customs (CBIC).
  • 2023: Achieved a remarkable annual net profit of Rs 1,180.24 crore.
  • 2023: Incorporated a Technology & Digital Hub in Bengaluru.
  • 2023: Launched the video-based customer identification process for savings account opening process
  • 2023: Released the Centenary Emblem
  • 2024: Bank celebrated its Centenary Year and Inaugurated Centenary Building
  • 2024: Capital Raise of Rs 1,500 crore completed in FY 2023-24 through Preferential Allotment amounting to Rs 799.99 crore; Preferential Allotment amounting to Rs 99.99 crore; QIP amounting to Rs 599.99 Crore
  • 2024: Diverse and comprehensive offerings - 18 new products and 13 new partnerships in FY 2023-24
  • 2024: Achieved all time high Net Profit of Rs 1,306.28 crore.
  • 2026: Enabled the facility for payment of Government of Karnataka's Khajane-2 e-receipts through Internet Banking platform. 
  • 2026: Entered into a strategic partnership with Pine Labs, a top provider of Point-of-Sale (PoS) solutions.

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