Karur Vysya Bank Ltd.
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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 GENERATEDFinancial Services
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.
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
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| HDFCBANK | 687.25 | 13.41 | 1059339.46 | 2.26 | 203826.90 | 1092.64 | 905753.30 | 936.66 | 12.81 | 35.64 |
| ICICIBANK | 1390.10 | 17.79 | 997793.42 | 0.86 | 16209.74 | 12.62 | 52240.85 | 6.44 | 16.51 | 32.39 |
| KOTAKBANK | 414.40 | 20.31 | 412230.87 | 0.16 | 5487.06 | 23.89 | 18354.57 | 6.41 | 12.05 | 19.05 |
| AXISBANK | 1239.50 | 13.89 | 385909.17 | 0.08 | 7656.51 | 22.31 | 35541.96 | 9.87 | 11.04 | 63.88 |
| IDBI | 81.63 | 9.42 | 87771.86 | 0.00 | 2130.57 | 5.27 | 7549.28 | 7.44 | 14.76 | 76.80 |
| FEDERALBNK | 344.85 | 18.21 | 85260.58 | 0.35 | 1297.61 | 37.06 | 7861.58 | 9.94 | 10.98 | 66.11 |
| AUBANK | 1061.00 | 43.70 | 79680.01 | 0.09 | 7959.53 | 1270.31 | 53027.42 | 1111.10 | 14.17 | 56.24 |
| INDUSINDBK | 1002.00 | 59.04 | 78069.88 | 0.15 | 1037.02 | 71.68 | 11309.94 | -7.78 | 4.97 | 55.07 |
| IDFCFIRSTB | 86.00 | 32.17 | 74146.70 | 0.29 | 1147.82 | 153.12 | 11051.09 | 14.61 | 5.42 | 38.45 |
| YESBANK | 22.43 | 18.65 | 70403.95 | 0.00 | 1071.81 | 32.53 | 8054.49 | 5.92 | 8.04 | 58.47 |
| RBLBANK | 416.80 | 71.90 | 64643.15 | 0.24 | 2342.30 | 993.41 | 38402.40 | 1015.97 | 6.49 | 40.95 |
| KARURVYSYA | 340.45 | 11.99 | 32911.76 | 0.76 | 755.70 | 44.92 | 3049.42 | 18.72 | 23.62 | 71.82 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,883 | 1,997 | 2,139 | 2,187 | 2,287 | 2,387 | 2,489 | 2,516 | 2,569 | 2,808 | 2,794 | 2,904 | 3,049 | |
| Interest Expended | 986 | 1,082 | 1,138 | 1,189 | 1,260 | 1,324 | 1,407 | 1,427 | 1,489 | 1,547 | 1,555 | 1,545 | 1,627 |
| Net Interest Income | 897 | 915 | 1,001 | 998 | 1,027 | 1,062 | 1,081 | 1,089 | 1,079 | 1,261 | 1,239 | 1,359 | 1,423 |
| 333 | 339 | 358 | 626 | 386 | 469 | 465 | 509 | 447 | 512 | 509 | 616 | 442 | |
| Total Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3,491 |
| Operating Expenses | 582 | 616 | 683 | 757 | 667 | 716 | 731 | 764 | 721 | 756 | 743 | 728 | 769 |
| Operating Profit | 648 | 638 | 676 | 867 | 746 | 816 | 815 | 835 | 806 | 1,017 | 1,005 | 1,247 | 1,096 |
| Provisions & Contingencies | 159 | 126 | 150 | 293 | 133 | 180 | 147 | 161 | 118 | 274 | 105 | 258 | 90 |
| Profit before Tax | 489 | 512 | 526 | 574 | 613 | 636 | 668 | 674 | 687 | 743 | 901 | 989 | 1,005 |
| 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 Profit | 359 | 378 | 412 | 456 | 459 | 474 | 496 | 513 | 521 | 574 | 690 | 725 | 756 |
| EPS | 4 | 5 | 5 | 6 | 6 | 5 | 5 | 5 | 6 | 6 | 7 | 8 | 1 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8,213 | 9,678 | 11,074 | — | |
| Interest Expended | 3,549 | 3,402 | 3,453 | 3,642 | 3,111 | 2,872 | 3,168 | 4,395 | 5,418 | 6,136 | 6,273 |
| Net Interest Income | -3,549 | -3,402 | -3,453 | -3,642 | -3,111 | -2,872 | -3,168 | 3,818 | 4,260 | 4,939 | — |
| 782 | 900 | 963 | 1,155 | 919 | 769 | 1,159 | 1,649 | 1,830 | 2,084 | 2,079 | |
| Total Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9,863 | 11,508 | 13,159 | 3,491 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,639 | 2,877 | 2,948 | — | |
| Operating Profit | -3,549 | -3,402 | -3,453 | -3,642 | -3,111 | -2,872 | -3,168 | 2,829 | 3,212 | 4,075 | — |
| 425 | 1,102 | 1,377 | 1,434 | 659 | 646 | 854 | 729 | 622 | 755 | — | |
| Profit before Tax | 883 | 504 | 322 | 272 | 534 | 931 | 1,437 | 2,100 | 2,591 | 3,320 | 3,638 |
| Tax % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 23.59% | 25.05% | 24.39% | 24.56% |
| Net Profit | 606 | 346 | 211 | 235 | 359 | 673 | 1,106 | 1,605 | 1,942 | 2,510 | 2,745 |
| EPS | 9 | 5 | 3 | 3 | 4 | 8 | 14 | 20 | 24 | 26 | — |
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:
- 45%
- 1 Year:
- 62%
RETURN ON EQUITY
- 10 Years:
- 11%
- 5 Years:
- 15%
- 3 Years:
- 18%
- Last Year:
- 19%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 122 | 145 | 160 | 160 | 160 | 160 | 160 | 161 | 161 | 193 |
| 4,914 | 6,119 | 6,263 | 6,440 | 6,799 | 7,436 | 8,421 | 9,875 | 11,764 | 13,910 | |
| 53,700 | 56,890 | 59,868 | 59,075 | 63,278 | 68,486 | 76,638 | 89,113 | 1,02,078 | 1,15,666 | |
| 1,696 | 2,394 | 1,565 | 1,184 | 2,528 | 1,339 | 1,432 | 2,478 | 1,217 | 2,623 | |
| Other Liabilities & Provisions | 1,376 | 1,393 | 1,484 | 1,419 | 1,857 | 2,650 | 3,526 | 3,822 | 4,143 | 4,207 |
| Total Liabilities | 61,808 | 66,941 | 69,340 | 68,278 | 74,623 | 80,071 | 90,179 | 11 | 1,19,367 | 1,36,603 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 2,790 | 2,960 | 2,935 | 2,733 | 3,514 | 3,594 | 4,279 | 5,588 | 7,354 | 5,154 | |
| Balances with Banks & Money at Call | 1,555 | 1,349 | 762 | 1,660 | 2,806 | 1,332 | 416 | 71 | 453 | 148 |
| 14,857 | 15,803 | 14,882 | 15,762 | 16,019 | 17,216 | 18,808 | 22,344 | 23,831 | 29,020 | |
| 40,908 | 44,800 | 48,581 | 46,098 | 50,364 | 54,661 | 63,134 | 73,667 | 84,005 | 98,191 | |
| 411 | 475 | 545 | 563 | 518 | 464 | 418 | 412 | 451 | 455 | |
| 1,279 | 1,501 | 1,598 | 1,438 | 1,381 | 2,789 | 3,107 | 3,351 | 3,235 | 3,588 | |
| Total Assets | 61,808 | 66,941 | 69,340 | 68,278 | 74,623 | 80,071 | 90,179 | 11 | 1,19,367 | 1,36,603 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 1,611 | -550 | -1,576 | 2,504 | 3,366 | 295 | 1,217 | 2,954 | 4,487 | -554 | |
| Cash from Investing | -84 | -170 | 549 | -1,535 | -1,379 | -1,594 | -1,270 | -1,296 | -2,151 | -1,745 |
| Cash from Financing | -74 | 683 | 414 | -274 | -59 | -96 | -178 | -694 | -188 | -205 |
| 1,453 | -36 | -612 | 696 | 1,928 | -1,394 | -231 | 963 | 2,148 | -2,504 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | ||||||||||
| EPS (₹) | 9.95 | 4.76 | 2.64 | 2.94 | 4.50 | 8.42 | 13.79 | 19.95 | 24.12 | 25.97 |
| Book Value (₹) | 82.64 | 86.21 | 80.35 | 82.57 | 87.07 | 94.94 | 107.00 | 124.77 | 148.12 | 145.90 |
| Dividend per Share (₹) | 2.60 | 0.60 | 0.60 | 0.00 | 0.50 | 1.60 | 2.00 | 2.40 | 2.60 | 2.60 |
| 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) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 9.15x | 7.23x | 11.13x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 1.46x | 1.41x | 1.98x |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.31% | 1.24% | 0.90% |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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 - Karur Vysya Bank Limited has informed the Exchange about Outcome of the Institutional Investor/Analyst meet
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 - Karur Vysya Bank Limited has informed the Exchange about ESG rating
2026-09-03 - Karur Vysya Bank Limited has informed the Exchange about Copy of Newspaper Publication
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 - 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 - 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 - Karur Vysya Bank Limited has informed the Exchange about Schedule of meet
News
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