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The bank's provisions (other than tax) and contingencies surged 13.24% to Rs 94.86 crore in Q3 FY26 as against Rs 83.77 crore in Q3 FY25.
Operating profit was at Rs 451.80 crore in Q3 FY26, up 4.32% from Rs 433.07 crore in Q3 FY25.
As of 31 December 2025, the bank’s aggregate business (gross) reached Rs 1,81,394.37 crore, reflecting a modest 1.97% YoY growth. Deposits rose 4.08% YoY to Rs 1,04,111.52 crore, while gross advances slipped 0.74% YoY to Rs 77,282.85 crore.
The ratio of gross NPAs was at 3.32% as of 31 December 2025, compared to 3.11% as of 31 December 2024. The ratio of net NPAs was at 1.31% as of 31 December 2025, compared to 1.39% as of 31 December 2024.
Provision coverage ratio (PCR) increased by 26 bps to 80.90% as of 31 December 2025 from 80.64% as of 31 December 2024.
The Capital Adequacy Ratio of the bank improved to 19.94% in Q3 FY26 compared to 17.64% in Q3 FY25. In line with RBI’s revised draft guidelines, the liquidity coverage ratio as of December 31, 2025, stood at 186.84%.
Raghavendra S. Bhat, managing director & CEO of the Karnataka Bank, said, “We reiterate that our focus on the RAM (retail, agri, and MSME) segments and pursuing a strong base in low-cost deposits has started accruing benefits for the bank. As the bank has energized the distribution ecosystem by building rigor into the processes, the accretion of a high-quality credit portfolio is now visible. In parallel, digital transformation initiatives are gaining traction, with the development of new products and platforms to enhance customer experience and improve operational efficiency.
Various analytical tools have now been embedded into core business processes, enabling analytics-driven decision-making and supporting predictive and strategic use cases to drive efficiency and deeper insights across the bank, he said, adding, “Our mission and vision remain firmly anchored as we advance our objectives with renewed clarity and momentum.”
Karnataka Bank provides a wide range of banking and financial services, including retail and corporate banking and para-banking activities, as well as treasury and foreign exchange operations.
Shares of Karnataka Bank fell 0.90% to Rs 203.75 on the BSE.
Halwasia's name was absent from Karnataka Bank’s September quarter shareholding pattern.
The bank has no promoter ownership. Mutual funds such as Quant Smallcap Fund, holding 3.9%, and Bandhan MF with 2.56%, feature among the larger institutional shareholders. Insurance giants are also present, including HDFC Life Insurance at 3.59%, LIC at 1.62% and Bajaj Allianz Life Insurance Company with 1.55%.
The bank also carries a broad retail base. Around 3.98 lakh individual investors with holdings of up to Rs 2 lakh together control 36.19% of the bank.
On a standalone basis, Karnataka Bank's net profit fell 5.04% to Rs 319.12 on a 0.74% increase in total income to Rs 2,522.55 crore in Q2 September 2025 over Q2 September 2024.
Karnataka Bank is an 'A' Class scheduled commercial bank in India. It is engaged in providing, a wide range of banking and financial services involving retail, corporate / wholesale banking, para-banking activities, treasury operation and foreign exchange business.
Sharda Cropchem Ltd, Anupam Rasayan India Ltd, DCM Shriram Ltd and Alembic Pharmaceuticals Ltd are among the other gainers in the BSE's 'A' group today, 21 November 2025.
Karnataka Bank Ltd soared 6.88% to Rs 187.2 at 11:46 IST. The stock was the biggest gainer in the BSE's 'A' group. On the BSE, 4.99 lakh shares were traded on the counter so far as against the average daily volumes of 5.89 lakh shares in the past one month.
Sharda Cropchem Ltd spiked 6.21% to Rs 820.4. The stock was the second biggest gainer in 'A' group. On the BSE, 55643 shares were traded on the counter so far as against the average daily volumes of 27712 shares in the past one month.
Anupam Rasayan India Ltd surged 6.03% to Rs 1248.4. The stock was the third biggest gainer in 'A' group. On the BSE, 32454 shares were traded on the counter so far as against the average daily volumes of 5330 shares in the past one month.
DCM Shriram Ltd spurt 6.03% to Rs 1249. The stock was the fourth biggest gainer in 'A' group. On the BSE, 35264 shares were traded on the counter so far as against the average daily volumes of 12614 shares in the past one month.
Alembic Pharmaceuticals Ltd jumped 4.92% to Rs 943. The stock was the fifth biggest gainer in 'A' group. On the BSE, 1.32 lakh shares were traded on the counter so far as against the average daily volumes of 27692 shares in the past one month.