The Karur Vysya Bank Limited KARURVYSYA NIFTY_SMALLNSEFINANCIAL
The Karur Vysya Bank Limited provides various banking and financial services for personal and corporate customers in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The Treasury segment offers investments in Central and State Government securities, debt instruments of banks, FIs, insurance companies, PSUs and corporates, certificates of deposits, equity shares, mutual funds, and security receipts, as well as forward contracts, derivatives and foreign exchange operations on proprietary accounts and for customers, including trading in these instruments, as well as borrowing and lending operations. The Corporate/Wholesale Banking segment includes all advances to trusts, partnership firms, companies, and statutory bodies. The Retail Banking segment comprises the lending of funds and other banking services to any legal person, including small business customers. The Other Banking Operations include bancassurance, third-party product distribution, demat services and other banking transactions, as well as deposits in RIDF and MSME funds. It also provides prepaid instruments, including gift, forex, travel, and re-loadable cards; life, non-life, and health insurance products; savings and current accounts; recurring and tax-saving deposits; personal, home, vehicle, and educational loans, as well as business loans; digital products; locker facilities; social security schemes; and government sponsored schemes. In addition, the company offers investment and payment collection and transaction banking services; FCNR, NRE, and NRO deposits; mortgage and jewel loans and loans against deposits; remittance services; and Internet and mobile banking services, as well as a range of products for the agricultural sector. The Karur Vysya Bank Limited was incorporated in 1916 and is headquartered in Karur, India.
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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Excellent profit margin of 40.1%.
- Compounding revenue at 18.7% over 5 years.
- Profit CAGR of 31.4% over 5 years.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | KARURVYSYA The Karur Vysya Bank Limited NIFTY_SMALLNSEFINANCIAL | 288.75 | 11.12 | ₹27,911.12 Cr | 0.75% | - | 19.28% | 18.73% | 31.42% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 1,546.22 Cr | 1,598.59 Cr | 1,526.60 Cr | 1,748.20 Cr | 1,974.57 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 730.95 Cr | 763.62 Cr | 721.10 Cr | 742.86 Cr | 727.81 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 1,407.22 Cr | 1,426.67 Cr | 1,489.20 Cr | 1,554.93 Cr | 1,544.88 Cr |
| Pretax Income | 667.83 Cr | 673.57 Cr | 687.36 Cr | 900.57 Cr | 989.10 Cr |
| Tax Provision | 171.80 Cr | 160.21 Cr | 165.91 Cr | 210.61 Cr | 264.14 Cr |
| Net Income | 496.03 Cr | 513.36 Cr | 521.45 Cr | 689.96 Cr | 724.96 Cr |
| Diluted EPS | 5.13 | 5.31 | 5.39 | 7.14 | 7.50 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 4,195.93 Cr | 4,970.85 Cr | 6,089.47 Cr | 7,022.87 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 2,217.07 Cr | 2,647.16 Cr | 2,877.14 Cr | 2,947.89 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 3,167.74 Cr | 4,394.74 Cr | 5,418.12 Cr | 6,135.80 Cr |
| Pretax Income | - | 1,436.79 Cr | 2,100.19 Cr | 2,590.73 Cr | 3,320.04 Cr |
| Tax Provision | - | 330.77 Cr | 495.38 Cr | 649.09 Cr | 809.71 Cr |
| Net Income | - | 1,106.09 Cr | 1,604.81 Cr | 1,941.64 Cr | 2,510.33 Cr |
| Diluted EPS | 7.01 | 11.48 | 16.64 | 20.10 | - |
Compounded Sales Growth
| 5 Years: | 18.73% |
| 1 Year: | 19.50% |
Compounded Profit Growth
| 5 Years: | 31.42% |
| 1 Year: | 41.20% |
Stock Price Performance
| 1 Year: | +58.00% |
| 6 Months: | +16.45% |
| 3 Months: | -14.08% |
| 1 Month: | -1.62% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 90,179.42 Cr | 1.05 L Cr | 1.19 L Cr | 1.37 L Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 4,695.13 Cr | 5,658.56 Cr | 7,806.72 Cr | 5,302.64 Cr |
| Inventory | - | - | - | - | - |
| Receivables | 1,637.40 Cr | 2,822.21 Cr | 3,175.08 Cr | 3,050.32 Cr | - |
| Total Liabilities | - | 81,595.37 Cr | 95,413.19 Cr | 1.07 L Cr | 1.22 L Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 1,432.01 Cr | 2,478.35 Cr | 1,216.98 Cr | 2,622.56 Cr |
| Total Equity | - | 8,584.05 Cr | 10,040.07 Cr | 11,929.54 Cr | 14,107.87 Cr |
| Shares Outstanding | 96.00 Cr | 96.09 Cr | 96.53 Cr | 96.61 Cr | - |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 1,217.21 Cr | 2,954.06 Cr | 4,487.06 Cr | -553.96 Cr |
| Investing Cash Flow | - | -1,270.21 Cr | -1,296.48 Cr | -2,150.80 Cr | -1,745.12 Cr |
| Financing Cash Flow | - | -178.05 Cr | -694.15 Cr | -188.11 Cr | -205.00 Cr |
| Capital Expenditure | - | -62.22 Cr | -98.10 Cr | -171.63 Cr | -152.13 Cr |
| Free Cash Flow | - | 1,155.00 Cr | 2,855.97 Cr | 4,315.43 Cr | -706.09 Cr |
| Net Change in Cash | - | -231.04 Cr | 963.43 Cr | 2,148.15 Cr | -2,504.08 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 26.4% | 32.3% | 31.9% | 35.7% |
| ROE % | - | 12.9% | 16.0% | 16.3% | 17.8% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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