Karur Vysya Bank Ltd

KARURVYSYA

Watchlist

AI Mode

‌

Market Cap

₹ 23,698 Cr

P/E

11.26

Turned 1 L into 5.98 L in last 5 Years

‌

Investment Checklist

How to read checklist?

Performance

MARKET LEADER

Valuation

REASONABLE

Growth

STABLE

Profitability

HIGH MARGIN

Technicals

Bearish

Risk

MODERATE RISK

Investment Checklist

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

‌
‌

‌

Price

PE Ratio

Price

‌

Overview

Detailed Summary

Karur Vysya Bank Limited, headquartered in Karur, Tamil Nadu, is an established bank providing a wide range of banking and financial services, including treasury operations and retail banking.

The bank recorded impressive financial performance with a 15% growth in deposits and advances year-over-year, leading to a total business size of Rs 2,03,216 crore as of September 2025.

Operational efficiency improved significantly as reflected in a lower cost-to-income ratio of 42.63% for Q2 FY 2025-26, indicating better expense management.

The bank maintained a robust asset quality with a gross NPA ratio of just 0.76% and a net NPA ratio of 0.19%, signifying strong risk management and recovery efforts.

Karur Vysya Bank's strategic digital initiatives, such as video KYC and AI-driven SMS optimization, highlight its focus on digital transformation to enhance customer experience.

Sector

Banks

Industry

Banks - Private Sector

Market Cap

23,698 Cr

Volatility

Moderate Risk

P/E Ratio

11.3

Industry P/E

19.1

PEG Ratio

0.8

P/B Ratio

1.9

52W High

258.50

52W Low

153.67

Sales CAGR

17.97%

20.09%

10.07%

10Y

6.60%

Profit CAGR

20.99%

42.34%

52.55%

10Y

14.64%

ROE

TTM

16.45%

15.23%

12.60%

10Y

10.34%

ROCE

TTM

6.64%

11.05%

10.88%

10Y

11.74%

Technicals

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Forecasts

No. of Analysts

21

1Y Price Target

279.14 ▲ 14.03%

Q3 EPS Estimate

Q3 Revenue Estimate

Unlock Premium Features

Price, EPS and Revenue Projections

Strong SellSellHoldBuyStrong Buy

Strong Buy

Buy

Hold

Sell

Strong Sell

updated on

Dec 03, 2025

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
BANDHANBNK	151.80	24,438 Cr	19.91	0.99	0.99	4.94	6.39	1.53
KARURVYSYA	245.50	23,698 Cr	11.26	1.85	0.88	16.45	6.64	1.72
CUB	272.55	20,348 Cr	16.84	2.05	0.73	12.17	6.29	1.55
RBLBANK	304.60	18,772 Cr	34.69	1.16	0.32	3.36	5.34	0.35
J&KBANK	100.75	11,089 Cr	5.31	0.81	2.14	14.04	5.69	1.20
UJJIVANSFB	54.15	10,497 Cr	25.19	1.68	0.00	6.59	6.98	1.67
SOUTHBANK	39.88	10,437 Cr	7.68	0.98	1.00	12.76	5.85	1.00

Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

AI Mode

Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	1,883	1,997	2,139	2,185	2,285	2,384	2,486	2,516	2,569	2,808
Expenses	741	743	833	1,051	800	896	878	925	839	1,030
Interest	986	1,082	1,138	1,189	1,260	1,324	1,407	1,427	1,489	1,547
Financing Profit	156	173	168	-55	225	164	200	164	240	231
Financing Margin %	8.28	8.64	7.87	-2.53	9.83	6.90	8.06	6.53	9.35	8.22
Other Income	333	339	358	629	388	472	467	509	447	512
Depreciation	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	489	512	526	574	613	636	668	674	687	743
Tax %	26.66	26.01	21.77	20.47	25.17	25.58	25.73	23.79	24.14	22.75
Net Profit	359	378	412	456	459	474	496	513	521	574
EPS in Rs	3.70	3.90	4.26	4.72	4.75	4.90	5.13	5.31	5.39	5.94
Gross NPA %	1.99	1.73	1.58	1.40	1.32	1.10	0.83	0.76	0.66	0.00
Net NPA %	0.59	0.47	0.42	0.40	0.38	0.28	0.20	0.20	0.19	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	5,622	5,700	5,816	5,990	5,470	5,588	6,517	8,204	9,678	9,954
Expenses	1,887	2,609	2,902	3,111	2,620	2,434	2,965	3,267	3,385	3,538
Interest	3,549	3,402	3,453	3,642	3,111	2,872	3,168	4,395	5,418	5,647
Financing Profit	187	-311	-539	-764	-260	281	384	542	875	769
Financing Margin %	3.33	-5.46	-9.27	-12.75	-4.76	5.03	5.89	6.60	9.04	7.73
Other Income	782	900	963	1,155	919	769	1,159	1,659	1,830	1,896
Depreciation	86	85	101	119	124	119	106	100	114	0.00
Profit Before Tax	883	504	322	272	534	931	1,437	2,100	2,591	2,665
Tax %	31.41	31.37	34.56	13.65	32.75	27.68	23.02	23.59	25.05	24.79
Net Profit	606	346	211	235	359	673	1,106	1,605	1,942	2,004
EPS in Rs	6.20	3.47	2.16	2.43	3.72	6.97	11.42	16.58	20.08	21.77
Dividend Payout %	26.13	12.55	22.73	0.00	11.11	19.02	14.51	12.02	10.78	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	122	122	145	160	160	160	160	160	161	161
Reserves	4,451	4,914	6,119	6,263	6,440	6,800	7,436	8,424	9,879	11,769
Borrowings	52,973	55,395	59,284	61,433	60,259	65,807	69,825	78,070	91,591	1,03,295
Other Liabilities	1,439	1,376	1,393	1,484	1,419	1,857	2,650	3,526	3,954	4,143
Total Liabilities	58,985	61,808	66,941	69,340	68,278	74,623	80,071	90,179	1,05,585	1,19,367
Fixed Assets	417	411	475	545	563	518	464	418	412	451
CWIP	3.58	7.67	53	38	23	21	15	17	20	39
Investments	14,443	14,857	15,803	14,882	15,762	16,019	17,216	18,808	22,344	23,831
Other Assets	44,122	46,532	50,610	53,876	51,929	58,065	62,377	70,936	82,809	95,046
Total Assets	58,985	61,808	66,941	69,340	68,278	74,623	80,071	90,179	1,05,585	1,19,367

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	580	1,611	-550	-1,576	2,504	3,366	295	1,217	2,954	4,487
Cash from Investing Activity	-92	-84	-170	549	-1,535	-1,379	-1,594	-1,270	-1,296	-2,151
Cash from Financing Activity	-346	-74	683	414	-274	-59	-96	-178	-694	-188
Net Cash Flow	143	1,453	-36	-612	696	1,928	-1,394	-231	963	2,148

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	2.25%	2.24%	2.24%	2.24%	2.22%	2.20%	2.15%	2.13%	2.13%	2.11%	2.10%	2.10%
FIIs	17.03%	17.93%	17.90%	18.09%	15.61%	15.38%	15.11%	15.10%	14.80%	15.12%	15.41%	15.81%
DIIs	30.73%	30.80%	32.10%	32.30%	35.17%	36.24%	35.68%	37.01%	38.47%	38.89%	39.49%	39.98%
Public	49.98%	49.02%	47.77%	47.38%	47.00%	46.19%	47.07%	45.76%	44.60%	43.88%	43.00%	42.11%
Total Shareholders	2,07,834	2,09,188	2,07,639	2,22,316	2,32,052	2,45,953	2,58,964	2,57,300	2,60,387	2,60,949	2,52,957	2,64,784

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Dec 12, 2023	Sbi mutual fund	Bulk	Buy	162.00	121.50 Cr	75,00,000	0.93
Dec 12, 2023	Sbi mutual fund	Bulk	Buy	162.00	72.90 Cr	45,00,000	0.55

Projection

Unlock Premium Features

Get In-depth insights on EPS and Revenue forecasts

Actions

Action Type

‌
‌

Announcements

Last 7 days

Newest

Sentiment

Credit Rating

2 hours ago

Karur Vysya Bank Credit Rating Update

Karur Vysya Bank Ltd announces reaffirmation of its credit ratings by CARE Ratings for its fixed deposit programs.

Corporate Action

3 days ago

Equity Shares Allotment by Karur Vysya Bank

Karur Vysya Bank Ltd has allotted a total of 80,078 equity shares to employees and its MD & CEO under the KVB ESOS schemes as part of their compensation structure.

Credit Rating

5 days ago

Karur Vysya Bank Credit Rating Reaffirmed

ICRA has reaffirmed the credit rating of Karur Vysya Bank's Certificate of Deposit Programme at ICRA A1+.

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q1 FY25

Investor Presentation

Q3 FY24

Investor Presentation

Q2 FY24

Showing 1 - 8 of 14

AI Mode

Get instant AI-powered insights about company performance, financials, and strategy. Ask questions about trends, competition, and developments while receiving responses backed by official documents and market data, with clear attribution to source documents.

AI Mode