The Karur Vysya Bank Limited KARURVYSYA NIFTY_SMALLNSEFINANCIAL
Company Overview
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.
Why Investors Should Care
Generates a return on equity of 17.8%, reflecting efficient use of shareholder capital.
Net profit has compounded at 31.4% per year over the last five years.
Revenue has grown at a 18.7% CAGR over the past five years.
Trades at a P/E of 15.2, below the sector median of 19.8.
Maintains a net profit margin of 35.8%.
Carries low leverage with a debt-to-equity ratio of 0.19.
Recent Developments
- Mar 2026 Revenue of ₹7,022.87 Cr (+15.3% YoY); net profit ₹2,510.33 Cr.
- Trailing 12 Months Year-on-year growth — revenue +15.3%, earnings +29.3%.
- 5-Year Trend Long-term compounding — revenue CAGR 18.7%, profit CAGR 31.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 18.73% |
| 1 Year: | 15.33% |
Compounded Profit Growth
| 5 Years: | 31.42% |
| 1 Year: | 29.29% |
Stock Price Performance
| 1 Year: | +36.30% |
| 6 Months: | +15.97% |
| 3 Months: | +10.14% |
| 1 Month: | +3.79% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)56.83 · Neutral
P/E of 15.21 is below the sector median of 19.81 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 35.8%.
- 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.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 305.70 | 15.21 | ₹29,532.19 Cr | 0.85% | - | 17.79% | 18.73% | 31.42% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 815.55 | 16.51 | ₹12.48 L Cr | 1.58% | - | 13.62% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.10 | 19.03 | ₹10.19 L Cr | 0.86% | - | 14.93% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,031.00 | 11.31 | ₹9.52 L Cr | 1.67% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,032.90 | 33.85 | ₹6.43 L Cr | 0.53% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 443.80 | 9.77 | ₹5.61 L Cr | 2.26% | - | 32.53% | 7.26% | 16.86% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,340.20 | 15.86 | ₹4.17 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 8 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 381.30 | 19.66 | ₹3.79 L Cr | 0.17% | - | 10.64% | 13.48% | 8.92% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,887.10 | 34.31 | ₹3.02 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 | - |
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.
Latest News
Recent headlines for KARURVYSYA
Does Karur Vysya Bank (NSE:KARURVYSYA) Deserve A Spot On Your Watchlist? - simplywall.st
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Karur Vysya Bank shares gain on strong Q1 business growth - Moneycontrol.com
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Stock Radar: Karur Vysya Bank stock showing signs of bottoming out; time to buy? - The Economic Times
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Emkay Global raises Karur Vysya Bank target on strong RoA, loan growth - Business Standard
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Karur Vysya Bank shares jump 2% following Q1 FY27 business updates; check all details - Upstox
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KARURVYSYA — Frequently Asked Questions
What is the current share price of The Karur Vysya Bank Limited (KARURVYSYA)?
As of 2026-07-15 09:52 IST, The Karur Vysya Bank Limited (KARURVYSYA) trades at ₹305.70 on NSE. Its 52-week range is ₹202.96 to ₹336.85.
What is the market capitalisation of KARURVYSYA?
The Karur Vysya Bank Limited (KARURVYSYA) has a market capitalisation of ₹29,532.19 Cr on NSE.
What is the P/E ratio of KARURVYSYA?
KARURVYSYA trades at a trailing price-to-earnings (P/E) ratio of 15.21. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 2.11.
Does KARURVYSYA pay a dividend?
The Karur Vysya Bank Limited (KARURVYSYA) currently offers a dividend yield of 0.85%.
What is the return on equity (ROE) of KARURVYSYA?
KARURVYSYA has a return on equity (ROE) of 17.79%.
Is KARURVYSYA a good stock to buy?
This page provides a data-driven analysis of The Karur Vysya Bank Limited (KARURVYSYA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.