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Stock Analysis

Description

Karur Vysya Bank is a private sector bank in India offering a comprehensive range of banking and financial services, including retail and corporate banking, treasury operations, and other para-banking activities.

Key Growth Triggers

Expansion of its physical branch network across key regions to enhance customer accessibility.
Continued focus on robust digital banking services and platforms like the KVB DLite mobile app.
Maintenance of strong asset quality with a low Net NPA ratio.
Strategic initiatives to support its growing customer base and deepen market penetration.

Order Book

Currently no data available for Order Book.

Key Red Flags

Currently no data available for Key Red Flags.

Key Dates To Watch

January 23, 2026: Conference call to discuss Q3 FY26 financial results.

Corporate Announcements

1st Apr 26

Impact Rating: 7

Karur Vysya Bank released provisional Q4 FY26 data: advances grew 14.92% YoY to ₹2,14,409 crore, deposits increased 13.31% YoY to ₹1,15,666 crore, and CASA deposits rose 11.82% YoY to ₹31,122 crore.

27th Mar 26

Impact Rating: 7

Karur Vysya Bank has stated that its trading window will be shut from April 1, 2026. The closure is mandated until two days post-announcement of audited financial results for the quarter and year ending March 31, 2026.

20th Mar 26

Impact Rating: 5

In a regulatory filing, Karur Vysya Bank has informed about the revision of its Base Rate and Benchmark Prime Lending Rate (BPLR). The new Base Rate will be 10.50% and BPLR will be 15.50%, both effective March 24, 2026.

18th Mar 26

Impact Rating: 6

Karur Vysya Bank is holding a postal ballot to seek shareholder approval for re-appointing its Managing Director & CEO and an Independent Director, with voting from March 19 to April 17, 2026.

18th Mar 26

Impact Rating: 9

Voting via remote e-voting is open from March 19 to April 17, 2026. Remuneration details for the MD & CEO are provided, subject to RBI approval.

Peer Comparision

S.No.	Name	Current Price (Rs.)	Price to Earning	Market Capitalization (Rs.Cr.)	Dividend yield (%)	Net Profit latest quarter (Rs.Cr.)	YOY Quarterly profit growth (%)	Sales latest quarter (Rs.Cr.)	YOY Quarterly sales growth (%)	Return on capital employed (%)	Sales (Rs.Cr.)	OPM (%)	Profit after tax (Rs.Cr.)	Profit after tax latest quarter (Rs.Cr.)	Price to book value	Return on assets (%)	Debt to equity
1.	HDFC Bank	977.50	20.78	1503842.42	1.13	20363.77	10.01	86993.84	4.81	7.51	346185.22	42.61	72360.07	19610.67	2.79	1.74	6.30
2.	ICICI Bank	1371.50	18.40	980736.56	0.80	14318.15	3.16	48180.91	4.00	7.87	192684.91	28.30	53300.25	13357.06	2.94	2.18	5.58
3.	Kotak Mah. Bank	2190.90	23.46	435791.61	0.11	4468.27	-11.42	17198.74	4.70	8.17	67852.12	27.80	18574.23	4468.27	2.59	2.68	3.62
4.	Axis Bank	1285.80	15.36	399251.37	0.08	5566.56	-25.31	32309.77	2.24	7.11	129272.60	59.67	25988.99	5527.85	2.01	1.78	7.28
5.	IDBI Bank	110.97	12.85	119319.41	1.89	3240.77	73.56	7109.01	-4.51	6.78	28937.85	70.49	9284.32	3229.58	1.75	1.97	4.81
6.	IDFC First Bank	84.93	50.80	73003.19	0.29	347.80	64.10	9936.93	10.94	6.22	38335.01	32.47	1437.04	347.80	1.35	0.46	6.85
7.	Yes Bank	22.83	25.25	71636.99	0.00	664.31	17.25	7388.75	-4.50	6.36	30449.57	59.65	2836.87	664.31	1.45	0.59	7.29
8.	Karur Vysya Bank	277.40	12.74	26810.27	0.78	573.96	21.19	2807.97	17.66	7.38	10381.07	64.62	2104.80	573.96	2.09	1.73	8.83
–	Median: 20 Co.	270.57	15.57	25261.08	0.72	349.59	3.95	4430.65	4.35	6.95	17851.24	59.66	1397.21	349.59	1.4	1.35	7.29

Quarterly Results

Standalone figures in ₹ crores

	Dec 2022	Dec 2023	Dec 2024	Jun 2023	Jun 2024	Jun 2025	Mar 2023	Mar 2024	Mar 2025	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Sales	–	–	–	–	–	–	–	–	–	–	–	–	–
Expenses	882	833	878	741	800	839	847	1,051	925	718	743	896	1,030
Operating Profit	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Income	317	358	465	333	388	447	401	626	509	242	339	469	512
Profit before tax	325	526	668	489	613	687	446	574	674	345	512	636	743
Tax %	11%	22%	26%	27%	25%	24%	24%	20%	24%	28%	26%	26%	23%
Net Profit	289	412	496	359	459	521	338	456	513	250	378	474	574
EPS in Rs	3.01	4.27	5.14	3.72	4.75	5.40	3.51	4.73	5.31	2.61	3.93	4.90	5.94

Profit & Loss

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	–	–	–	–	–	–	–	–	–	–	–	–	–
Expenses	1,378	1,503	1,494	1,887	2,609	2,902	3,112	2,620	2,434	2,965	3,267	3,385	3,673
Operating Profit	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Income	564	590	707	782	900	963	1,155	919	769	1,159	1,649	1,830	1,934
Interest	3,832	3,930	3,662	3,549	3,402	3,453	3,642	3,111	2,872	3,168	4,395	5,418	5,870
Depreciation	75	81	83	86	85	101	119	124	119	106	100	114	0
Profit before tax	395	471	912	883	504	322	272	534	931	1,437	2,100	2,591	2,772
Net Profit	430	464	568	606	346	211	235	359	673	1,106	1,605	1,942	2,105
EPS in Rs	5.20	4.95	6.05	6.46	3.60	2.20	2.45	3.75	7.01	11.49	16.63	20.10	21.79
Dividend Payout %	32%	34%	30%	26%	13%	23%	0%	11%	19%	14%	12%	11%	–

Balance Sheet

Standalone figures in ₹ crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	107	122	122	122	145	160	160	160	160	160	161	161	193
Reserves	3,219	4,124	4,451	4,914	6,119	6,263	6,440	6,800	7,436	8,424	9,879	11,769	12,603
Borrowings	–	–	–	–	–	–	–	–	–	–	–	–	–
Other Liabilities	1,166	1,315	1,439	1,376	1,393	1,484	1,419	1,857	2,650	3,526	3,822	4,143	4,294
Total Liabilities	51,543	53,152	58,985	61,808	66,941	69,340	68,278	74,623	80,071	90,179	105,453	119,367	130,099
Fixed Assets	376	395	417	411	475	545	563	518	464	418	412	451	512
Gross Block	761.22	855.89	960.72	1,040.90	1,189.48	1,360.73	1,497.24	1,576.28	1,640.63	1,696.51	1,791.57	1,943.73	–
Accumulated Depreciation	385.28	461.39	544.18	629.96	714.77	815.79	933.77	1,057.82	1,177.00	1,278.89	1,379.14	1,492.59	–
CWIP	9	17	4	8	53	38	23	21	15	17	20	39	0
Investments	13,247	12,375	14,443	14,857	15,803	14,882	15,762	16,019	17,216	18,808	22,344	23,831	27,824
Other Assets	37,911	40,366	44,122	46,532	50,610	53,876	51,929	58,065	62,377	70,936	82,677	95,046	101,764
Total Assets	51,543	53,152	58,985	61,808	66,941	69,340	68,278	74,623	80,071	90,179	105,453	119,367	130,099

Cash Flows

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	1,184	-309	580	1,611	-550	-1,576	2,504	3,366	295	1,217	2,954	4,487
Cash from Investing Activity	-113	-102	-92	-84	-170	549	-1,535	-1,379	-1,594	-1,270	-1,296	-2,151
Cash from Financing Activity	-189	482	-346	-74	683	414	-274	-59	-96	-178	-694	-188
Net Cash Flow	882	71	143	1,453	-36	-612	696	1,928	-1,394	-231	963	2,148

Ratios

Standalone Figures in ₹ Crores / Yearly

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	–	–	–	–	–	–	–	–	–	–	–	–
Inventory Days	–	–	–	–	–	–	–	–	–	–	–	–
Days Payable	–	–	–	–	–	–	–	–	–	–	–	–
Cash Conversion Cycle	–	–	–	–	–	–	–	–	–	–	–	–
Working Capital Days	–	–	–	–	–	–	–	–	–	–	–	–
ROCE %	–	–	–	–	–	–	–	–	–	–	–	–

Shareholding Pattern

Numbers in percentages

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	2.25%	2.24%	2.24%	2.24%	2.22%	2.20%	2.15%	2.13%	2.13%	2.11%	2.10%	2.10%
FIIs	17.03%	17.93%	17.90%	18.09%	15.61%	15.38%	15.11%	15.10%	14.80%	15.12%	15.41%	15.81%
DIIs	30.73%	30.80%	32.10%	32.29%	35.16%	36.22%	35.68%	37.01%	38.47%	38.87%	39.47%	39.97%
Public	49.98%	49.02%	47.77%	47.38%	47.00%	46.19%	47.07%	45.76%	44.60%	43.88%	43.00%	42.11%