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📋 Filing Types Available on ForgeUp Filings Sourced from BSE corporate announcements (equity segment). Companies covered are BSE-listed and most are also listed on NSE. We show only material filings.
Financial Results Orders Dividend Buyback Merger / Acquisition Board Meeting Outcome Fundraise (QIP / Rights / FPO) Regulatory / Court Order Credit Rating Change Promoter Pledge Update Management Change Joint Venture / MOU Delisting Bonus Shares Stock Split
Data sourced from BSE India corporate announcements. More categories will be added over time.
Karnataka Bank Ltd

Karnataka Bank Achieves Record Rs. 2,07,132.41 Cr Aggregate Business and Rs. 435.89 Cr Net Profit

RESULTS ▲ Positive Development LOW RISK
📅 Filed on BSE: 28 Oct 2026, 03:44 PM IST  ·  BSE ID: 54951f1c-8151-42da-a49b-4ddde1cc929b
View Original BSE Filing (PDF)
💡
In Simple Terms
Karnataka Bank reached record total business and profits, with significant growth in loans and improved asset quality.
🤖 AI Summary
  • Karnataka Bank recorded an all-time high aggregate business of Rs. 2,07,132.41 Crores as on September 30, 2026.
  • Net Profit for the quarter ended September 30, 2026, was Rs. 435.89 Crores, a 37% YoY improvement.
  • Gross Advances grew by 25% YoY to Rs. 92,015.26 Crores as on September 30, 2026.
  • Asset quality improved with Gross NPA decreasing to 2.27% and Net NPA to 0.74% as of September 30, 2026.
  • Net Interest Margin (NIM) improved to 3.17% for Q2 FY27 from 2.72% in Q2 FY26.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Aggregate Business (Gross)
Rs. 2,07,132.41 Crores
17.38%
Net Profit (Q2 FY27)
Rs. 435.89 Crores
36.59%
Gross Advances
Rs. 92,015.26 Crores
24.95%
Total Deposits
Rs. 1,15,117.15 Crores
11.96%
Net Interest Margin (%)
3.17%
45bps
Gross NPA (%)
2.27%
-106 bps
Net NPA (%)
0.74%
-61 bps
Net Profit (H1 FY27)
Rs. 854.84 Crores
39.79%
🏢 How This Affects the Company
📈
Business Impact
The bank's aggregate business reaching a record Rs. 2,07,132.41 Crores indicates expansion in both deposits and advances. The 19% YoY growth in the RAM (Retail, Agriculture, MSME) segment to Rs. 56,968.79 Crores signals strategic focus and market penetration in key growth areas.
💰
Financial Impact
Net profit increased to Rs. 435.89 Crores for the quarter, reflecting a 37% YoY improvement. Net Interest Margin (NIM) rose by 45 bps to 3.17%, contributing to enhanced profitability. Return on Equity (ROE) improved to 12.51% for the quarter ended September 2026.
⚙️
Operational Impact
Improved asset quality, with GNPA reducing by 106 bps and NNPA by 61 bps, reflects disciplined underwriting and robust recovery strategies. The bank's focus on upgrading technological infrastructure and digital transformation indicates a shift towards optimized internal productivity and customer-focused platforms.
⚠️
Risk Impact
The significant reduction in both Gross NPA (%) to 2.27% and Net NPA (%) to 0.74% decreases credit risk exposure. The improved Provision Coverage Ratio (PCR) excluding TWO to 68.05% strengthens the bank's buffer against potential loan losses.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required from shareholders based on this financial results press release.
👤
Who Is Affected
Shareholders benefit from the bank's strong financial performance, including a 37% YoY increase in Net Profit to Rs. 435.89 Crores and an improved Return on Equity of 12.51%.
🔍
Management Signal
Management is focused on disciplined underwriting, robust recovery strategies, and digital transformation to ensure steady growth and enhanced value for stakeholders.

For information only. Not investment advice. ForgeUp is not SEBI-registered.

👁 Watch List — track these upcoming events
Q3 FY27 financial results — check for continued growth in aggregate business.
Next asset quality report — verify further reduction in NPA levels.
Updates on RAM segment growth — assess sustained expansion in retail, agriculture, MSME.
LOW RISK Significant improvement in asset quality metrics and strong profit growth suggest reduced financial risk.
💡 Investor Takeaway
Karnataka Bank recorded an all-time high aggregate business of Rs. 2,07,132.41 Crores and a Net Profit of Rs. 435.89 Crores for Q2 FY27, up 37% YoY. Gross Advances increased by 25% YoY to Rs. 92,015.26 Crores, and asset quality improved with GNPA at 2.27%.
⚖️ Strengths & Concerns

✅ Positives

  • Aggregate Business achieved an all-time high of Rs. 2,07,132.41 Crores, demonstrating substantial growth and market presence.
  • Asset quality improved significantly, with Gross NPA decreasing by 106 bps to 2.27% and Net NPA by 61 bps to 0.74% YoY.
📅 Company Track Record
Previous filings for Karnataka Bank on October 28, 2026, and July 29, 2026, confirmed the Board's approval of Q2 & H1 FY26 and Q1 FY26 financial results respectively, both with unmodified auditor opinions.

Based on publicly available historical data. For context only.

❓ Frequently Asked Questions
What was Karnataka Bank's aggregate business as of September 30, 2026?
Karnataka Bank's aggregate business stood at a record Rs. 2,07,132.41 Crores as of September 30, 2026.
What was Karnataka Bank's net profit for the quarter ended September 30, 2026?
Karnataka Bank reported a net profit of Rs. 435.89 Crores for the quarter ended September 30, 2026, marking a 37% YoY improvement.
How did Karnataka Bank's Gross Advances perform YoY as of September 30, 2026?
Gross Advances for Karnataka Bank stood at Rs. 92,015.26 Crores as of September 30, 2026, registering a YoY growth of 25%.
What are the Gross NPA and Net NPA percentages for Karnataka Bank as of September 30, 2026?
As of September 30, 2026, Karnataka Bank's Gross NPA % improved to 2.27% and Net NPA % declined to 0.74%.
What was Karnataka Bank's Net Interest Margin (NIM) for the quarter ended September 30, 2026?
Karnataka Bank's Net Interest Margin (NIM) improved to 3.17% for the quarter ended September 30, 2026, an increase of 45 bps YoY.

Questions based on this BSE filing only. For information purposes.

⚠️ For Information Only — Not Investment Advice
ForgeUp Filings provides AI-generated summaries of public BSE exchange announcements (equity segment) for informational purposes only. Nothing here constitutes investment advice or a recommendation to buy, sell, or hold any security. ForgeUp is not a SEBI-registered investment advisor. All financial numbers are sourced directly from BSE filings and shown as-is. Past data is historical only. Please consult a qualified financial advisor before making investment decisions. Data sourced from BSE India public disclosures.
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