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Karur Vysya Bank Ltd.

•
kvb.bank.inBSE: 590003NSE: KARURVYSYA
Market Cap₹ 32,274 Cr.
Current Price
High / Low₹ 359 / 205
Stock P/E11.8
Book Value₹ 154
Price to Book1.98
Dividend Yield0.78 %
ROCE23.6 %
ROE19.3 %
Face Value₹ 2

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Other Retail Banking-Retail Banking: 62.6% • Corporate/Wholesale Banking Operations: 19.6% • Treasury Operations: 16.2%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Company has delivered good profit growth of 47.5% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 18.8%
  • Strong return ratios for a lender: 3Y avg ROE 18.1%, ROA 1.8%
  • Asset quality is healthy - gross NPA of just 0.8%
  • Solid return on assets for a lender - ROA of 2.0%

CONS

  • A large part of profit comes from other income (62.8% of PBT)
  • Growth is decelerating - 3Y profit CAGR (31.4%) trails the 5Y trend (47.5%)
  • Though reporting repeated profits, the company pays out little dividend (10.0%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesBankBank - Private
Part ofNIFTY ALPHA 50NIFTY500MOMENTM50NIFTY TOTAL MKTNIFTY SML250 Q50NIFTY SMLCAP 50
S.No.Name
1.HDFCBANK708.0013.811091323.882.19203826.901092.64905753.30936.6612.8135.64
2.ICICIBANK1379.1517.65989980.040.8716209.7412.6252240.856.4416.5132.39
3.KOTAKBANK418.7020.52416508.360.165487.0623.8918354.576.4112.0519.05
4.AXISBANK1247.5013.98388399.910.087656.5122.3135541.969.8711.0463.88
5.IDBI83.449.6389718.040.002130.575.277549.287.4414.7676.80
6.FEDERALBNK344.4018.1885149.330.351297.6137.067861.589.9410.9866.11
7.AUBANK1058.0043.5779454.720.097959.531270.3153027.421111.1014.1756.24
8.INDUSINDBK977.8057.6176184.770.151037.0271.6811309.94-7.784.9755.07
9.IDFCFIRSTB86.2032.2474319.140.291147.82153.1211051.0914.615.4238.45
10.YESBANK23.4719.5273668.680.001071.8132.538054.495.928.0458.47
11.RBLBANK412.8071.2164022.780.242342.30993.4138402.401015.976.4940.95
12.KARURVYSYA333.8511.7632273.730.78755.7044.923049.4218.7223.6271.82
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
1,8831,9972,1392,1872,2872,3872,4892,5162,5692,8082,7942,9043,049
Interest Expended9861,0821,1381,1891,2601,3241,4071,4271,4891,5471,5551,5451,627
Net Interest Income8979151,0019981,0271,0621,0811,0891,0791,2611,2391,3591,423
333339358626386469465509447512509616442
Total Income0000000000003,491
Operating Expenses582616683757667716731764721756743728769
Operating Profit6486386768677468168158358061,0171,0051,2471,096
Provisions & Contingencies15912615029313318014716111827410525890
Profit before Tax4895125265746136366686746877439019891,005
Tax %26.66%26.01%21.77%20.47%25.17%25.58%25.73%23.79%24.14%22.75%23.39%26.71%24.83%
Net Profit359378412456459474496513521574690725756
EPS4556655566781

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
00000008,2139,67811,074—
Interest Expended3,5493,4023,4533,6423,1112,8723,1684,3955,4186,1366,273
Net Interest Income-3,549-3,402-3,453-3,642-3,111-2,872-3,1683,8184,2604,939—
7829009631,1559197691,1591,6491,8302,0842,079
Total Income00000009,86311,50813,1593,491
00000002,6392,8772,948—
Operating Profit-3,549-3,402-3,453-3,642-3,111-2,872-3,1682,8293,2124,075—
4251,1021,3771,434659646854729622755—
Profit before Tax8835043222725349311,4372,1002,5913,3203,638
Tax %0.00%0.00%0.00%0.00%0.00%0.00%0.00%23.59%25.05%24.39%24.56%
Net Profit6063462112353596731,1061,6051,9422,5102,745
EPS95334814202426—

COMPOUNDED SALES GROWTH

10 Years:
7%
5 Years:
15%
3 Years:
19%

COMPOUNDED PROFIT GROWTH

10 Years:
16%
5 Years:
48%
3 Years:
31%

STOCK PRICE CAGR

10 Years:
18%
5 Years:
57%
3 Years:
46%
1 Year:
59%

RETURN ON EQUITY

10 Years:
11%
5 Years:
15%
3 Years:
18%
Last Year:
19%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2025

Aug 26

1:5

2018

Aug 14

1:10

Bonus issue & Inter alia, decided as follows: 1. Issue of Bonus Shares Issue of Bonus Shares in the ratio of 1:10 i.e. one equity share of Rs.2/-- each for every ten fully paid up equity shares held as on a record date, subject to approval of the shareholders of the Bank. The Record Date will be determined by the Board of Directors after members of the Bank approve the capitalisation programme for issuing bonus shares. Necessary in-principle approval of Stock Exchange will be obtained. The proposal of issuance of Bonus Shares was not part of the original agenda for the Board Meeting held today and was decided during the course of the meeting. Further the Board of Directors decided to include capitalizing securities premium A/c for the above Bonus Issue as one of the Agenda Items in the Notice of the ensuing Annual General Meeting of the Bank to seek the approval of the shareholders by way of ordinary resolution. 2. Issue of Capital Instruments (Basel III compliant unsecured Tier I/Tier II Capital Instruments ) 3. Appointment of Shri R. Ramkumar as Non Executive Non Independent Director

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
LIABILITIES----------
Equity Capital122145160160160160160161161193
4,9146,1196,2636,4406,7997,4368,4219,87511,76413,910
53,70056,89059,86859,07563,27868,48676,63889,1131,02,0781,15,666
1,6962,3941,5651,1842,5281,3391,4322,4781,2172,623
Other Liabilities & Provisions1,3761,3931,4841,4191,8572,6503,5263,8224,1434,207
Total Liabilities61,80866,94169,34068,27874,62380,07190,179111,19,3671,36,603
ASSETS----------
2,7902,9602,9352,7333,5143,5944,2795,5887,3545,154
Balances with Banks & Money at Call1,5551,3497621,6602,8061,33241671453148
14,85715,80314,88215,76216,01917,21618,80822,34423,83129,020
40,90844,80048,58146,09850,36454,66163,13473,66784,00598,191
411475545563518464418412451455
1,2791,5011,5981,4381,3812,7893,1073,3513,2353,588
Total Assets61,80866,94169,34068,27874,62380,07190,179111,19,3671,36,603

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
1,611-550-1,5762,5043,3662951,2172,9544,487-554
Cash from Investing-84-170549-1,535-1,379-1,594-1,270-1,296-2,151-1,745
Cash from Financing-74683414-274-59-96-178-694-188-205
1,453-36-6126961,928-1,394-2319632,148-2,504

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
PER SHARE
EPS (₹)9.954.762.642.944.508.4213.7919.9524.1225.97
Book Value (₹)82.6486.2180.3582.5787.0794.94107.00124.77148.12145.90
Dividend per Share (₹)2.600.600.600.000.501.602.002.402.602.60
PROFITABILITY
Net Interest Margin %0.00%0.00%0.00%0.00%0.00%0.00%0.00%3.76%3.68%3.73%
ROA %1.00%0.54%0.31%0.34%0.50%0.87%1.30%1.64%1.73%1.96%
ROE %12.61%6.12%3.32%3.61%5.30%9.25%13.67%17.24%17.68%19.29%
0.00%0.00%0.00%0.00%0.00%0.00%0.00%48.26%47.25%41.98%
ASSET QUALITY
Gross NPA %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.66%
Net NPA %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.19%
Provision Coverage %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%96.76%
Slippage Ratio %——————————
BALANCE SHEET & LIQUIDITY
CASA %0.00%0.00%0.00%0.00%0.00%0.00%0.00%30.39%27.27%26.91%
Credit-Deposit Ratio %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.03%0.01%0.02%
0.00%0.00%0.00%0.00%0.00%0.00%0.00%16.67%18.17%18.76%
GROWTH & VALUATION
Net Profit Growth %6.76%-42.96%-39.00%11.46%52.92%87.34%64.29%45.09%20.99%29.29%
Book Value Growth %0.00%0.00%0.00%0.00%0.00%0.00%0.00%16.61%18.72%-1.50%
P/E (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x9.15x7.23x11.13x
P/B (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x1.46x1.41x1.98x
0.00%0.00%0.00%0.00%0.00%0.00%0.00%1.31%1.24%0.90%

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
2.152.132.132.112.102.102.072.072.07
15.1015.0914.7915.1215.4115.8016.8719.2517.92
35.6636.9838.4438.8639.4639.9640.1939.2541.21
0.000.000.000.020.020.010.020.020.01
47.0945.7844.6343.8943.0142.1140.8539.4138.79

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-10
General Updates

2026-09-10 - Karur Vysya Bank Limited has informed the Exchange about General Updates - Strike call given by the United Forum of Bank Unions (UFBU)

2026-09-03
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-03 - Karur Vysya Bank Limited has informed the Exchange about Outcome of the Institutional Investor/Analyst meet

2026-09-03
Updates

2026-09-03 - Karur Vysya Bank Limited has informed the Exchange regarding 'Intimation of grant of options under KVB ESOS 2018 Scheme to Shri B Ramesh Babu, Managing Director & CEO of the Bank and Shri B Sankar, Executive Director of the Bank'.

2026-09-03
General Updates

2026-09-03 - Karur Vysya Bank Limited has informed the Exchange about ESG rating

2026-09-03
Copy of Newspaper Publication

2026-09-03 - Karur Vysya Bank Limited has informed the Exchange about Copy of Newspaper Publication

2026-09-01
Updates

2026-09-01 - Karur Vysya Bank Limited has informed the Exchange regarding 'Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Order received from The Hon ble Income Tax Appellate Tribunal'.

2026-09-01
General Updates

2026-09-01 - Karur Vysya Bank Limited has informed the Exchange about Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Intimation on charge taking by Shri Ramasamy G V, General Manager & Chief Financial Officer

2026-08-31
Press Release

2026-08-31 - Karur Vysya Bank Limited has informed the Exchange regarding a press release dated August 31, 2026, titled "Karur Vysya Bank Opens 16 New Branches in a Single Day".

2026-08-28
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-28 - Karur Vysya Bank Limited has informed the Exchange about Schedule of meet

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