Karnataka Bank (NSE:KTKBANK) LT-Debt-to-Total-Asset: 0.04 (As of Mar. 2026)

What is Karnataka Bank LT-Debt-to-Total-Asset?

Karnataka Bank NSE:KTKBANK +3.12% 59 LT-Debt-to-Total-Asset is 0.04 as of Mar. 2026. GuruFocus rates NSE:KTKBANK with a GF Score™ of 59/100 and a GF Value™ of ₹195.87 (Significantly Overvalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Karnataka Bank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.04.

Karnataka Bank's long-term debt to total assets ratio increased from Mar. 2025 (0.02) to Mar. 2026 (0.04). It may suggest that Karnataka Bank is progressively becoming more dependent on debt to grow their business.

Karnataka Bank (NSE:KTKBANK) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Karnataka Bank LT-Debt-to-Total-Asset Related Terms

Karnataka Bank LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Karnataka Bank's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Karnataka Bank LT-Debt-to-Total-Asset Chart

Karnataka Bank Annual Data

Trend

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Mar26

LT-Debt-to-Total-Asset

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0.02

0.04

Karnataka Bank Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.00	0.01	0.00	0.04

59GF Score

Karnataka Bank Ltd NSE:KTKBANK

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Karnataka Bank LT-Debt-to-Total-Asset Calculation

Karnataka Bank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )	/	Total Assets (A: Mar. 2026 )
	=	53290	/	1293552
	=	0.04

Karnataka Bank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	53290	/	1293552
	=	0.04

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.04 mean?

Karnataka Bank (NSE:KTKBANK) has a LT-Debt-to-Total-Asset of 0.04 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Karnataka Bank and its competitors.

Is Karnataka Bank's LT-Debt-to-Total-Asset too high?

Karnataka Bank's current LT-Debt-to-Total-Asset is 0.04. Overall, Karnataka Bank has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Karnataka Bank's LT-Debt-to-Total-Asset compare to competitors?

Karnataka Bank's LT-Debt-to-Total-Asset of 0.04 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Karnataka Bank and its competitors. Karnataka Bank's current LT-Debt-to-Total-Asset is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Karnataka Bank stock overvalued right now?

Based on GuruFocus' analysis, Karnataka Bank (NSE:KTKBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹195.87, compared to a current price of ₹276.35 — trading 41.1% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. Karnataka Bank's overall GF Score™ is 59/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Karnataka Bank (NSE:KTKBANK), the current LT-Debt-to-Total-Asset is 0.04 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Karnataka Bank (NSE:KTKBANK) Overvalued in 2026?

Based on GuruFocus' analysis, Karnataka Bank stock appears to be overvalued. The current stock price of ₹276.35 is trading 41.1% above its estimated GF Value™ of ₹195.87. GuruFocus considers Karnataka Bank to be Significantly Overvalued.

Key valuation signals for NSE:KTKBANK:

LT-Debt-to-Total-Asset: 0.04
GF Value™: ₹195.87 vs. price of ₹276.35 (41.1% above fair value)
GF Score™: 59/100 with 7 warning signs

No single metric tells the full story. See the NSE:KTKBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Karnataka Bank Business Description

Industry Financial Services Banks

Comparable Companies BOM:542904 BOM:543243 BOM:543596 BOM:532218 BOM:532772 BOM:542867 NSE:JSFB BOM:532209 BOM:543942 BOM:533295 SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges 532652:India

Address Mahaveera Circle, Post Box No. 599, Kankanady, Mangaluru, KA, IND, 575 002

Website https://www.karnatakabank.com

Karnataka Bank Ltd is an Indian banking company. Its operating segment includes Treasury operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. It generates maximum revenue from the Retail Banking segment. Geographically, it operates only in India. The company's products and services include savings accounts, certificates of deposits, cash management accounts, money market accounts, loans and advances, and others.

59GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹276.35

Price

₹195.87

GF Value

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