Karur Vysya Bank Ltd logo

Karur Vysya Bank Ltd

KARURVYSYA NSE

Key Fundamentals

SmallcapPrivate BankBanks
Market Cap
₹32,542 Cr
Volatility
Moderate
P/E Ratio
11.83
EBITDA
₹3,447 Cr
Return on Equity
17.79%
Debt to Equity
0
Book Value
₹145.96
EPS
₹21.19
52W High
₹351.8
52W Low
₹201.82

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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Tapetide Score

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Technical Indicators

Key Insights

Strengths

1
  • Company has delivered good profit growth of 47.2% CAGR over last 5 years

Weaknesses

4
  • 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

Growth Rate

Revenue Growth
14.35% ↗
Net Income Growth
29.29% ↗
Cash Flow Change
-112.35% ↘
ROE
9.28% ↗
ROCE
3.13% ↗
EBITDA Margin (Avg.)
3.19% ↗

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 9h ago
AI opinion · based on fundamentals
Risk medium

Karur Vysya Bank is a mid-cap private sector bank trading at a P/E of 11.9x and P/B of 2.32x with a market cap of Rs 32,542 Cr. The bank has delivered 47% profit CAGR over five years, improved its ROE to 19% last year, and reduced GNPA from 2.27% in March 2023 to approximately 0.75% by March 2025, but faces headwinds from very low promoter holding at 2.07%, declining CASA ratio, and contingent liabilities of Rs 14,661 Cr.

Bull Case 8
  • Exceptional profit growth with 47% CAGR over 5 years and 37% TTM profit growth, demonstrating sustained earnings momentum
  • Dramatic asset quality improvement with GNPA declining from 2.27% (March 2023) to ~0.75% (March 2025) and NNPA at just 0.19%, indicating clean book
  • ROE trajectory improving from 12% (10-year average) to 16% (5-year) to 19% (last year), with recent quarters showing ROE exceeding 20%
  • Healthy NIM of 4.09% for FY25 and NII growth of 15-16% YoY, supporting core income visibility
  • Reasonable valuation at P/E of 11.9x versus profit growth of 37% TTM, implying a PEG ratio well below 1x
  • Compounded sales growth of 19% over 3 years and 15% over 5 years, showing consistent top-line expansion
  • Specific provision coverage ratio (PCR) strengthened to ~75% with contingent and floating provision buffers built up, adding resilience against future credit stress
  • Stock CAGR of 50% over 3 years and 56% over 5 years reflects sustained re-rating driven by fundamental improvement
Bear Case 8
  • Promoter holding at just 2.07% is extremely low for a private bank, raising governance and takeover vulnerability concerns
  • Contingent liabilities of Rs 14,661 Cr are material relative to the Rs 32,542 Cr market cap, posing potential off-balance-sheet risk
  • CASA ratio declining from 30.39% (March 2024) to 27.27% (March 2025), increasing reliance on costlier term deposits and pressuring future margins
  • Low interest coverage ratio indicates limited buffer for servicing debt obligations under stressed conditions
  • NIM compressed 11 bps YoY to 4.09% in FY25 and further to 3.86% in Q1 FY26, signalling margin pressure in a competitive deposit environment
  • Dividend yield of only 0.77% offers limited income return despite strong profitability, suggesting limited shareholder payout
  • Possible capitalisation of interest cost raises questions about the true cost structure and earnings quality
  • 10-year compounded sales CAGR of just 7% indicates historically slow growth before the recent acceleration, questioning sustainability of the current pace

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 3h ago
Positives 2
  • Q1 profit surges 45% YoY Jul 24

    Net profit rose 45% YoY to ₹756 crore in Q1FY27, driven by 17.13% advances growth and NIM of 4.26%. GNPA remained healthy at 0.74%.

  • New corporate banking head appointed Jul 20

    Ravikumar Sadhana appointed as Head - Corporate & Commercial Banking for a three-year term, signaling focus on scaling corporate lending.

Neutral 2
  • Investor meets in Asia planned Aug 6

    KVB to conduct institutional investor and analyst meetings in Hong Kong and Singapore from August 12-14, 2026, as part of the Avendus Spark conference.

  • Cautious growth guidance ahead Jul 24

    Management guided for cautious growth in remaining quarters of FY27 despite strong Q1 performance.

TL;DR: Karur Vysya Bank delivered a strong Q1FY27 with 45% profit growth, healthy NIMs at 4.26%, and stable asset quality at 0.74% GNPA. No material headwinds are visible currently. The bank is actively engaging institutional investors in Asia, suggesting confidence in its growth story. However, management's cautious guidance for upcoming quarters warrants monitoring for any slowdown in momentum.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
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
Expenses
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
Fin. Margin %
8%
9%
8%
-2%
10%
7%
8%
7%
9%
8%
14%
13%
18%
Other Income
333
339
358
626
388
469
465
509
447
512
509
616
442
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
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
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%
Net Profit
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
4.9
5.14
5.31
5.4
5.94
7.14
7.5
7.82
Gross NPA %
1.99%
1.73%
1.58%
1.4%
1.32%
1.1%
0.83%
0.76%
0.66%
0.76%
0.71%
0.75%
0.74%
Net NPA %
0.59%
0.47%
0.42%
0.4%
0.38%
0.28%
0.2%
0.2%
0.19%
0.19%
0.19%
0.19%
0.19%
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
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
Expenses
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
Fin. Margin %
-1%
5%
3%
-5%
-9%
-13%
-5%
5%
6%
7%
9%
12%
13%
Other Income
590
707
782
900
963
1,155
919
769
1,159
1,649
1,830
2,084
2,079
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
Depreciation
81
83
86
85
101
119
124
119
106
100
114
127
0
PBT
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%
—
Net Profit
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
3.6
2.2
2.45
3.75
7.01
11.49
16.63
20.1
25.97
28.4
Div. Payout %
34%
30%
26%
13%
23%
0%
11%
19%
14%
12%
11%
10%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
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
Deposits
44,840
50,079
53,700
56,890
59,868
59,075
63,278
68,486
76,638
89,113
1,02,078
1,15,666
Other Liabilities
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
1,05,453
1,19,367
1,36,603
Fixed Assets
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
Other Assets
40,366
44,122
46,532
50,610
53,876
51,929
58,065
62,377
70,936
82,677
95,046
1,07,082
Total Assets
53,152
58,985
61,808
66,941
69,340
68,278
74,623
80,071
90,179
1,05,453
1,19,367
1,36,603
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-309
580
1,611
-550
-1,576
2,504
3,366
295
1,217
2,954
4,487
-554
Investing
-102
-92
-84
-170
549
-1,535
-1,379
-1,594
-1,270
-1,296
-2,151
-1,745
Financing
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
Figures in ₹ Crores

Ratios

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

Shareholding Pattern

As of Jun 2026
DIIs 41.22%
Public 35.11%
FIIs 17.92%
Others 3.67%
Promoters 2.07%
Government 0.01%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
2.13%
2.12%
2.12%
2.28%
2.28%
2.28%
2.26%
2.25%
2.24%
2.24%
2.24%
2.22%
2.20%
2.15%
2.13%
2.13%
2.11%
2.10%
2.10%
2.07%
2.07%
2.07%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
16.87%
19.25%
17.92%
DIIs
20.26%
19.92%
19.67%
21.29%
21.85%
22.72%
24.56%
29.81%
29.40%
30.81%
30.34%
33.20%
34.19%
33.67%
35.01%
36.54%
36.94%
37.62%
38.65%
40.20%
39.26%
41.22%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.01%
0.02%
0.02%
0.00%
0.00%
0.00%
0.02%
0.02%
0.01%
0.02%
0.02%
0.01%
Public
49.62%
50.40%
52.46%
53.39%
53.06%
51.93%
49.09%
44.54%
43.72%
42.55%
42.53%
42.13%
41.26%
41.61%
40.48%
39.51%
38.91%
37.99%
37.21%
36.84%
35.51%
35.11%
Others
28.00%
27.55%
25.75%
23.04%
22.81%
23.07%
24.10%
23.39%
24.63%
24.41%
24.89%
22.44%
22.33%
22.58%
22.38%
21.82%
22.02%
22.27%
22.02%
4.01%
3.89%
3.67%
No. of Shareholders
0
0
23,149
1,84,878
1,94,336
2,04,045
2,02,252
2,00,256
2,03,830
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
2,67,174
2,72,726
2,75,908

Documents

Frequently Asked Questions about Karur Vysya Bank Ltd

What does Karur Vysya Bank Ltd do?
Karur Vysya Bank is engaged in providing a wide range of banking and financial services including commercial banking and treasury operations.[1]
Where is Karur Vysya Bank Ltd (KARURVYSYA) listed?
Karur Vysya Bank Ltd is listed on the Indian stock exchanges. It is listed on NSE: KARURVYSYA and BSE: 590003. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Karur Vysya Bank Ltd belong to?
Karur Vysya Bank Ltd operates in the Banks sector within the Private Bank industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Karur Vysya Bank Ltd?
Karur Vysya Bank Ltd has a market capitalisation of approximately ₹32541.85 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Karur Vysya Bank Ltd?
The Price-to-Earnings (PE) ratio of Karur Vysya Bank Ltd is 11.83. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Karur Vysya Bank Ltd?
Over the past 52 weeks, Karur Vysya Bank Ltd has traded between a low of ₹201.82 and a high of ₹351.8. This range helps investors understand the stock's price volatility and recent trading levels.
Does Karur Vysya Bank Ltd pay dividends?
Yes, Karur Vysya Bank Ltd has a dividend yield of 0.77%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Karur Vysya Bank Ltd?
Karur Vysya Bank Ltd has a Return on Equity (ROE) of 17.79%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Karur Vysya Bank Ltd on Tapetide?
On Tapetide, you can view Karur Vysya Bank Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

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

Website kvb.co.in
CEO Mr. Ramesh Babu Boddu
Employees 9,765
Listed 2000-07-26
Face Value ₹ 2
Issued Size 96,64,70,328

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