{"id":193889,"date":"2026-08-10T13:46:41","date_gmt":"2026-08-10T08:16:41","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=193889"},"modified":"2026-08-10T13:46:43","modified_gmt":"2026-08-10T08:16:43","slug":"karnataka-bank-vs-dcb-bank-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/karnataka-bank-vs-dcb-bank-comparison\/","title":{"rendered":"Karnataka Bank vs DCB Bank: Share Price, Comparison and Key Differences"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Karnataka Bank MCap Rs 11,597 Cr, PE 8.07x, ROE 11.30%, PB 0.91, Div 1.63%. DCB Bank MCap Rs 6,275 Cr, PE 7.97x, ROE 12.59%, PB 1.00.<\/em><\/p>\n<p>Karnataka Bank vs DCB Bank is a comparison investors look up when evaluating smaller listed private sector banks in India. Karnataka Bank is a Mangaluru-headquartered private bank with a century of history and a strong South India retail presence, while DCB Bank is a Mumbai-based private bank that has been steadily building a secured retail and MSME franchise with a focus on mortgages, gold loans and commercial vehicles. Both are profitable small private banks valued at single-digit P\/E multiples.<\/p>\n<p>This Karnataka Bank vs DCB Bank article covers reach and market position, key products, latest declared results and stock valuation. The Karnataka Bank vs DCB Bank data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/karnataka-bank-vs-dcb-bank-comparison\/#Karnataka_Bank_vs_DCB_Bank_Reach_and_Market_Position\" title=\"Karnataka Bank vs DCB Bank: Reach and Market Position\">Karnataka Bank vs DCB Bank: Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/karnataka-bank-vs-dcb-bank-comparison\/#Karnataka_Bank_vs_DCB_Bank_Key_Products_and_Business_Mix\" title=\"Karnataka Bank vs DCB Bank: Key Products and Business Mix\">Karnataka Bank vs DCB Bank: Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/karnataka-bank-vs-dcb-bank-comparison\/#Karnataka_Bank_vs_DCB_Bank_Latest_Results\" title=\"Karnataka Bank vs DCB Bank: Latest Results\">Karnataka Bank vs DCB Bank: Latest Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/karnataka-bank-vs-dcb-bank-comparison\/#Karnataka_Bank_vs_DCB_Bank_Stock_and_Valuation\" title=\"Karnataka Bank vs DCB Bank: Stock and Valuation\">Karnataka Bank vs DCB Bank: Stock and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/karnataka-bank-vs-dcb-bank-comparison\/#Karnataka_Bank_vs_DCB_Bank_Quick_Comparison_Table\" title=\"Karnataka Bank vs DCB Bank: Quick Comparison Table\">Karnataka Bank vs DCB Bank: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/karnataka-bank-vs-dcb-bank-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/karnataka-bank-vs-dcb-bank-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/karnataka-bank-vs-dcb-bank-comparison\/#What_is_Karnataka_Bank_known_for\" title=\"What is Karnataka Bank known for?\">What is Karnataka Bank known for?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/karnataka-bank-vs-dcb-bank-comparison\/#What_does_DCB_Bank_specialise_in\" title=\"What does DCB Bank specialise in?\">What does DCB Bank specialise in?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/karnataka-bank-vs-dcb-bank-comparison\/#Which_has_a_higher_ROE_Karnataka_Bank_or_DCB_Bank\" title=\"Which has a higher ROE, Karnataka Bank or DCB Bank?\">Which has a higher ROE, Karnataka Bank or DCB Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/karnataka-bank-vs-dcb-bank-comparison\/#Does_Karnataka_Bank_pay_dividends\" title=\"Does Karnataka Bank pay dividends?\">Does Karnataka Bank pay dividends?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/karnataka-bank-vs-dcb-bank-comparison\/#Are_Karnataka_Bank_and_DCB_Bank_listed_on_both_NSE_and_BSE\" title=\"Are Karnataka Bank and DCB Bank listed on both NSE and BSE?\">Are Karnataka Bank and DCB Bank listed on both NSE and BSE?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/karnataka-bank-vs-dcb-bank-comparison\/#Why_do_small_private_banks_trade_at_lower_PE_than_large_ones\" title=\"Why do small private banks trade at lower P\/E than large ones?\">Why do small private banks trade at lower P\/E than large ones?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/karnataka-bank-vs-dcb-bank-comparison\/#Are_Karnataka_Bank_and_DCB_Bank_in_Nifty_50\" title=\"Are Karnataka Bank and DCB Bank in Nifty 50?\">Are Karnataka Bank and DCB Bank in Nifty 50?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Karnataka_Bank_vs_DCB_Bank_Reach_and_Market_Position\"><\/span><strong>Karnataka Bank vs DCB Bank: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the Karnataka Bank side of the Karnataka Bank vs DCB Bank comparison, Karnataka Bank operates over 900 branches primarily in Karnataka and neighbouring states, with a strong agricultural and SME base. Market capitalisation is Rs 11,597 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=ktkbank-vs-dcbbank\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>On the DCB Bank side of the Karnataka Bank vs DCB Bank comparison, DCB Bank operates over 400 branches across India with a focus on secured retail lending &#8211; home loans, gold loans, commercial vehicle financing and MSME loans. Market capitalisation is Rs 6,275 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Karnataka_Bank_vs_DCB_Bank_Key_Products_and_Business_Mix\"><\/span><strong>Karnataka Bank vs DCB Bank: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the Karnataka Bank vs DCB Bank product comparison, Karnataka Bank offers: Karnataka Bank earns from retail, agricultural, SME and corporate banking. EPS is Rs 38.00. PE is 8.07x, ROE 11.30 percent, PB 0.91. Dividend yield is 1.63 percent.<\/p>\n<p>For DCB Bank in this Karnataka Bank vs DCB Bank breakdown: DCB Bank earns from secured mortgages, gold loans, commercial vehicle loans and MSME credit. EPS is Rs 24.45. PE is 7.97x, ROE 12.59 percent, PB 1.00.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Karnataka_Bank_vs_DCB_Bank_Latest_Results\"><\/span><strong>Karnataka Bank vs DCB Bank: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Karnataka Bank vs DCB Bank results for Karnataka Bank: Karnataka Bank has a market cap of Rs 11,597 Cr and P\/E of 8.07x. ROE is 11.30 percent. The bank trades at a slight discount to book at PB 0.91. Dividend yield of 1.63 percent is consistent.<\/p>\n<p>The Karnataka Bank vs DCB Bank results for DCB Bank: DCB Bank has a market cap of Rs 6,275 Cr and P\/E of 7.97x. ROE is 12.59 percent &#8211; marginally above Karnataka Bank. PB of 1.00 reflects the bank trading at book value. Karnataka Bank is roughly 1.8 times larger.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare Karnataka Bank and DCB Bank Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Karnataka_Bank_vs_DCB_Bank_Stock_and_Valuation\"><\/span><strong>Karnataka Bank vs DCB Bank: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Karnataka Bank vs DCB Bank stock comparison uses the latest available market data from Groww. Investors tracking Karnataka Bank vs DCB Bank should verify current prices on NSE or BSE before trading.<\/p>\n<p>Karnataka Bank vs DCB Bank at current valuations: Karnataka Bank trades at Rs 11,597 Cr market cap, PE 8.07x, ROE 11.30 percent, PB 0.91. DCB Bank trades at Rs 6,275 Cr market cap, PE 7.97x, ROE 12.59 percent, PB 1.00. Both banks trade at very similar P\/E multiples with DCB having a marginally higher ROE.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Karnataka_Bank_vs_DCB_Bank_Quick_Comparison_Table\"><\/span><strong>Karnataka Bank vs DCB Bank: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Karnataka Bank vs DCB Bank comparison table below summarises the key metrics covered in this article side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/ktkbank\/karnataka-bank-ltd-share-price-today\">Karnataka Bank<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/dcbbank\/dcb-bank-ltd-share-price-today\">DCB Bank<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Small private bank (South India)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Small private bank (pan-India, secured retail)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 11,597 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 6,275 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">8.07x<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">7.97x<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">11.30%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">12.59%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/B Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">0.91 (below book)<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1.00 (at book)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Dividend Yield<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1.63%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">0.74%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Geography<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Karnataka and South India<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Pan-India<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Karnataka Bank vs DCB Bank comparison above covers the key data points on reach, products, results and valuation. Karnataka Bank vs DCB Bank covers two small private sector banks with similar P\/E multiples and ROE profiles. Karnataka Bank has a larger network and an established South India brand. DCB Bank has a secured retail focus that provides relative asset quality stability. Karnataka Bank vs DCB Bank investors should review gross NPA levels, CASA ratio, net interest margin and management guidance on loan mix. Karnataka Bank vs DCB Bank represent small private bank exposure at value pricing. Consult a SEBI-registered advisor for personalised guidance.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest\/id1543832872\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.android\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Karnataka Bank and DCB Bank live price and get daily stock recommendations.<\/em><\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information, including company results filings and exchange data, and are current as of the time of writing. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_Karnataka_Bank_known_for\"><\/span><strong>What is Karnataka Bank known for?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Karnataka Bank, founded in 1924, is one of India&#8217;s scheduled commercial private banks with a legacy in South India retail banking. It has a large branch network in Karnataka, Kerala, Tamil Nadu and Andhra Pradesh.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_does_DCB_Bank_specialise_in\"><\/span><strong>What does DCB Bank specialise in?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> DCB Bank specialises in secured retail lending &#8211; mortgage (home loans), gold loans, commercial vehicles and MSME loans. This secured loan book approach has given DCB Bank relatively low NPA levels.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_has_a_higher_ROE_Karnataka_Bank_or_DCB_Bank\"><\/span><strong>Which has a higher ROE, Karnataka Bank or DCB Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> DCB Bank has a marginally higher ROE of 12.59 percent versus Karnataka Bank at 11.30 percent.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_Karnataka_Bank_pay_dividends\"><\/span><strong>Does Karnataka Bank pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes. Karnataka Bank pays a dividend yield of approximately 1.63 percent.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_Karnataka_Bank_and_DCB_Bank_listed_on_both_NSE_and_BSE\"><\/span><strong>Are Karnataka Bank and DCB Bank listed on both NSE and BSE?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes. Both Karnataka Bank and DCB Bank are listed on NSE and BSE as scheduled commercial private banks.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_do_small_private_banks_trade_at_lower_PE_than_large_ones\"><\/span><strong>Why do small private banks trade at lower P\/E than large ones?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Smaller private banks carry higher geographic concentration risk, lower brand recall, lower fee income diversification and potentially higher asset quality risk &#8211; all of which compress P\/E multiples relative to larger peers.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_Karnataka_Bank_and_DCB_Bank_in_Nifty_50\"><\/span><strong>Are Karnataka Bank and DCB Bank in Nifty 50?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> No. Neither is in Nifty 50. Both are tracked in Nifty Bank and broader indices.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Karnataka Bank vs DCB Bank compared on loan book, ROE, CASA and valuation. 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