Karur Vysya Bank Ltd

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Karur Vysya Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Karur Vysya Bank Ltd

₹ 334 0.92%
20 Aug - close price
kvb.bank.in BSE: 590003 NSE: KARURVYSYA
About

Karur Vysya Bank is engaged in providing a wide range of banking and financial services including commercial banking and treasury operations.[1]

Key Points

Business Segments Q3 FY26:[1]
a) Retail Banking (57%):
Comprises lending of funds and other banking services.
b) Corporate/Wholesale Banking (~25%):
Includes all advances to trusts, partnership firms, companies, and statutory bodies not included under Retail Banking.
c) Treasury (16%):
Comprises investments in Central and State Government securities, debt instruments of Banks, FIs, equity shares, mutual funds, security receipts, etc., and forward contracts, derivatives, and foreign exchange operations.
d) Other Banking Operations (~2%):
Includes para-banking activities like bancassurance, third-party product distribution, demat services, and deposits in RIDF, MSME Funds, etc.[2]

Website BSE NSE
  • Market Cap ₹ 32,293 Cr.
  • Current Price ₹ 334
  • High / Low ₹ 352 / 202
  • Stock P/E 11.8
  • Book Value ₹ 146
  • Dividend Yield 0.78 %
  • ROCE 7.62 %
  • ROE 19.1 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 47.2% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 2.07%
  • Contingent liabilities of Rs.14,661 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Private Sector Bank

Part of Nifty MidSmallcap 400 Nifty 500 Multicap 50:25:25 Nifty Total Market Nifty 500 Nifty Smallcap 100

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Quarterly Results

Figures in Rs. Crores

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 2,285 2,387 2,489 2,516 2,569 2,808 2,794 2,904 3,049
Interest 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
741 743 833 1,051 800 896 878 925 839 1,030 848 985 859
Financing Profit 156 173 168 -53 225 167 203 164 240 231 392 373 564
Financing Margin % 8% 9% 8% -2% 10% 7% 8% 7% 9% 8% 14% 13% 18%
333 339 358 626 388 469 465 509 447 512 509 616 442
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 489 512 526 574 613 636 668 674 687 743 901 989 1,005
Tax % 27% 26% 22% 20% 25% 26% 26% 24% 24% 23% 23% 27% 25%
359 378 412 456 459 474 496 513 521 574 690 725 756
EPS in Rs 3.72 3.93 4.27 4.73 4.75 4.90 5.14 5.31 5.40 5.94 7.14 7.50 7.82
Gross NPA % 1.99% 1.73% 1.58% 1.40% 1.32% 1.10% 0.83% 0.76% 0.66% 0.76% 0.71% 0.75% 0.74%
Net NPA % 0.59% 0.47% 0.42% 0.40% 0.38% 0.28% 0.20% 0.20% 0.19% 0.19% 0.19% 0.19% 0.19%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
5,396 5,443 5,622 5,700 5,816 5,990 5,470 5,588 6,517 8,213 9,678 11,074 11,555
Interest 3,930 3,662 3,549 3,402 3,453 3,642 3,111 2,872 3,168 4,395 5,418 6,136 6,273
1,503 1,494 1,887 2,609 2,902 3,112 2,620 2,434 2,965 3,267 3,385 3,576 3,723
Financing Profit -37 288 187 -311 -539 -764 -260 281 384 551 875 1,363 1,559
Financing Margin % -1% 5% 3% -5% -9% -13% -5% 5% 6% 7% 9% 12% 13%
590 707 782 900 963 1,155 919 769 1,159 1,649 1,830 2,084 2,079
Depreciation 81 83 86 85 101 119 124 119 106 100 114 127 0
Profit before tax 471 912 883 504 322 272 534 931 1,437 2,100 2,591 3,320 3,638
Tax % 2% 38% 31% 31% 35% 14% 33% 28% 23% 24% 25% 24%
464 568 606 346 211 235 359 673 1,106 1,605 1,942 2,510 2,745
EPS in Rs 4.95 6.05 6.46 3.60 2.20 2.45 3.75 7.01 11.49 16.63 20.10 25.97 28.40
Dividend Payout % 34% 30% 26% 13% 23% 0% 11% 19% 14% 12% 11% 10%
Compounded Sales Growth
10 Years: 7%
5 Years: 15%
3 Years: 19%
TTM: 16%
Compounded Profit Growth
10 Years: 16%
5 Years: 47%
3 Years: 31%
TTM: 37%
Stock Price CAGR
10 Years: 17%
5 Years: 58%
3 Years: 48%
1 Year: 55%
Return on Equity
10 Years: 12%
5 Years: 16%
3 Years: 18%
Last Year: 19%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 122 122 122 145 160 160 160 160 160 161 161 193
Reserves 4,124 4,451 4,914 6,119 6,263 6,440 6,800 7,436 8,424 9,879 11,769 13,915
Deposits 44,840 50,079 53,700 56,890 59,868 59,075 63,278 68,486 76,638 89,113 102,078 115,666
Borrowing 2,751 2,894 1,696 2,394 1,565 1,184 2,528 1,339 1,432 2,478 1,217 2,623
1,315 1,439 1,376 1,393 1,484 1,419 1,857 2,650 3,526 3,822 4,143 4,207
Total Liabilities 53,152 58,985 61,808 66,941 69,340 68,278 74,623 80,071 90,179 105,453 119,367 136,603
395 417 411 475 545 563 518 464 418 412 451 455
CWIP 17 4 8 53 38 23 21 15 17 20 39 47
Investments 12,375 14,443 14,857 15,803 14,882 15,762 16,019 17,216 18,808 22,344 23,831 29,020
40,366 44,122 46,532 50,610 53,876 51,929 58,065 62,377 70,936 82,677 95,046 107,082
Total Assets 53,152 58,985 61,808 66,941 69,340 68,278 74,623 80,071 90,179 105,453 119,367 136,603

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-309 580 1,611 -550 -1,576 2,504 3,366 295 1,217 2,954 4,487 -554
-102 -92 -84 -170 549 -1,535 -1,379 -1,594 -1,270 -1,296 -2,151 -1,745
482 -346 -74 683 414 -274 -59 -96 -178 -694 -188 -205
Net Cash Flow 71 143 1,453 -36 -612 696 1,928 -1,394 -231 963 2,148 -2,504
Free Cash Flow -411 488 1,527 -744 -1,730 2,369 3,289 238 1,156 2,864 4,319 -683
CFO/OP -5% 19% 49% -11% -47% 91% 123% -1% 28% 69% 79% 2%

Ratios

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 12% 13% 13% 6% 3% 4% 5% 9% 14% 17% 18% 19%

Insights

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Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
CASA Ratio
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Number of Branches
Number
Number of Employees
Number
RAM Verticals as % of Total Advances
%
Term Deposits < Rs 5 Cr as % of Term Deposits
%
Jewel Loan Portfolio as % of Total Advances
%

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Shareholding Pattern

Numbers in percentages

8 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
2.24% 2.22% 2.20% 2.15% 2.13% 2.13% 2.11% 2.10% 2.10% 2.07% 2.07% 2.07%
18.09% 15.61% 15.38% 15.11% 15.10% 14.80% 15.12% 15.41% 15.81% 16.87% 19.25% 17.92%
32.29% 35.16% 36.22% 35.68% 37.01% 38.47% 38.87% 39.47% 39.97% 40.20% 39.26% 41.22%
0.01% 0.02% 0.02% 0.00% 0.00% 0.00% 0.02% 0.02% 0.01% 0.02% 0.02% 0.01%
47.38% 47.00% 46.19% 47.07% 45.76% 44.60% 43.88% 43.00% 42.11% 40.84% 39.40% 38.78%
No. of Shareholders 2,22,3162,32,0522,45,9532,58,9642,57,3002,60,3872,60,9492,52,9572,64,7842,67,1742,72,7262,75,908

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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