Karur Vysya Bank Ltd logo

Karur Vysya Bank Ltd

KARURVYSYA NSE

Key Fundamentals

SmallcapPrivate BankBanks
Market Cap
₹32,508 Cr
Volatility
Moderate
P/E Ratio
11.91
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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56 extracted metrics + investor summaries across FY15–FY26.

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Tapetide Score

Data-driven rating, 0–100. How it works →

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 4d ago
AI opinion · based on fundamentals
Risk medium

Karur Vysya Bank is a mid-cap private sector bank with a market cap of Rs 32,668 Cr trading at a PE of 11.7x and PB of 2.27x. The bank has delivered 47% profit CAGR over 5 years with ROE improving to 19% in the last year, while asset quality has improved sharply with GNPA falling to 0.74% and NNPA to 0.19% as of recent quarters, though promoter holding remains extremely low at 2.07%.

Bull Case 8
  • Exceptional profit growth with 47% CAGR over 5 years and 37% TTM growth, demonstrating sustained earnings momentum
  • ROE has improved from 12% (10-year average) to 19% last year, with recent quarters showing ROA of 2.11% and ROE of 20.24%, indicating superior capital efficiency
  • Asset quality at industry-best levels with GNPA at 0.74% and NNPA at 0.19%, down sharply from GNPA of 2.27% in March 2023
  • Valuation remains undemanding at PE of 11.7x despite delivering 31% compounded profit growth over 3 years
  • Advances grew 17% YoY to Rs 98,754 Cr in FY26 from Rs 84,491 Cr in FY25, with deposits growing 13% to Rs 1,15,666 Cr
  • Operating profit surged 27% YoY to Rs 4,075 Cr in FY26 from Rs 3,212 Cr in FY25, reflecting improving operating leverage
  • Net profit jumped to Rs 2,510 Cr in FY26 from Rs 1,942 Cr in FY25, a 29% increase demonstrating consistent bottom-line delivery
  • Stock has delivered 49% CAGR over 3 years and 57% CAGR over 5 years, reflecting strong re-rating driven by fundamental improvement
Bear Case 8
  • Promoter holding is extremely low at 2.07%, raising governance concerns and making the bank vulnerable to hostile actions or lack of strategic direction
  • CASA ratio has been declining from 30.39% in March 2024 to 27.27% in March 2025 and 26.91% in March 2026, which could pressure margins as deposit costs rise
  • Contingent liabilities stand at Rs 14,661 Cr, which is a material exposure relative to the bank's balance sheet and could crystallize under stress
  • Low interest coverage ratio suggests vulnerability to margin compression in a falling rate environment
  • Dividend yield is modest at 0.79%, offering limited income return despite strong profitability
  • Compounded sales growth of only 7% over 10 years indicates historically tepid revenue expansion before the recent acceleration
  • Potential capitalization of interest costs raises questions about the true quality of reported earnings and asset valuations
  • PB ratio of 2.27x is elevated for a bank with only 2.07% promoter stake and no clear long-term strategic anchor investor

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

AI News Digest

Anthropic anthropic claude-opus-4.6 11h ago
Neutral 1
  • Investor meets in Asia Aug 6

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

TL;DR: Limited recent news flow for Karur Vysya Bank. The bank is actively engaging international institutional investors through upcoming Asia meetings, signaling continued interest in broadening its investor base. No negative or positive catalysts evident from current coverage.

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 ₹32508.02 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 11.91. 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.bank.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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