WEBSITE BSE:590003 NSE: KARURVYSYA Inc. Year: 1916 Industry: Bank - Private My Bucket: Add Stock
Last updated: 15:50
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The Karur Vysya Bank Ltd (the Bank) is an totally India-based banking enterprise. The Bank is engaged in supplying a variety of banking and financial services, along with business banking and treasury operations. The Bank's segments consist of Treasury, Corporate/ Wholesale banking, Retail banking and Other banking operations. The Treasury section consists of investments in central and state government securities, debt instruments of bank, certificates of deposits, equity stocks, mutual funds and security receipts, among others. The Corporate/ ...Read More
The Karur Vysya Bank Ltd (the Bank) is an totally India-based banking enterprise. The Bank is engaged in supplying a variety of banking and financial services, along with business banking and treasury operations. The Bank's segments consist of Treasury, Corporate/ Wholesale banking, Retail banking and Other banking operations. The Treasury section consists of investments in central and state government securities, debt instruments of bank, certificates of deposits, equity stocks, mutual funds and security receipts, among others. The Corporate/ Wholesale banking segment consists of credit centres and other banking services provided to company and different customers. The Retail banking section includes lending and other banking offerings to people/small enterprise customers, apart from company/ wholesale banking clients. The Other banking operations segment includes para-banking activities like bank assurance, third party product distribution, demat services and other banking transactions. ...Read Less
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Market Cap ₹28763 Cr.
Stock P/E 14.8
P/B 2.1
Current Price ₹297.6
Book Value ₹ 139.5
Face Value 2
52W High ₹343.6
Dividend Yield 0.73%
52W Low ₹ 166.8
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 1997 | 2139 | 2187 | 2287 | 2387 | 2489 | 2516 | 2569 | 2808 | 2794 |
| Other Income | 339 | 358 | 626 | 386 | 469 | 465 | 509 | 447 | 512 | 509 |
| Total Income | 2336 | 2497 | 2813 | 2673 | 2856 | 2953 | 3025 | 3016 | 3320 | 3303 |
| Interest Expense | 1082 | 1138 | 1189 | 1260 | 1324 | 1407 | 1427 | 1489 | 1547 | 1555 |
| Operating Expenditure | 616 | 683 | 757 | 667 | 716 | 731 | 764 | 721 | 756 | 743 |
| Provisions and contingencies | 126 | 150 | 293 | 133 | 180 | 147 | 161 | 118 | 274 | 105 |
| Operating Profit | 512 | 526 | 574 | 613 | 636 | 668 | 674 | 687 | 743 | 901 |
| Profit Before Tax | 512 | 526 | 574 | 613 | 636 | 668 | 674 | 687 | 743 | 901 |
| Provision for Tax | 133 | 115 | 117 | 154 | 163 | 172 | 160 | 166 | 169 | 211 |
| Profit After Tax | 378 | 412 | 456 | 459 | 474 | 496 | 513 | 521 | 574 | 690 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 378 | 412 | 456 | 459 | 474 | 496 | 513 | 521 | 574 | 690 |
| Adjusted Earnings Per Share | 3.9 | 4.3 | 4.7 | 4.7 | 4.9 | 5.1 | 5.3 | 5.4 | 5.9 | 7.1 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 5396 | 5443 | 5622 | 5700 | 5816 | 5990 | 5470 | 5588 | 6517 | 8213 | 9678 | 10687 |
| Other Income | 581 | 707 | 782 | 900 | 963 | 1155 | 919 | 769 | 1159 | 1649 | 1830 | 1977 |
| Total Income | 5977 | 6150 | 6405 | 6600 | 6779 | 7145 | 6389 | 6357 | 7675 | 9863 | 11508 | 12664 |
| Interest Expense | 3930 | 3662 | 3549 | 3402 | 3453 | 3642 | 3111 | 2872 | 3168 | 4395 | 5418 | 6018 |
| Operating Expenditure | 1103 | 1185 | 1285 | 1421 | 1615 | 1742 | 1987 | 1854 | 2032 | 2639 | 2877 | 2984 |
| Provisions and contingencies | 481 | 391 | 687 | 1274 | 1389 | 1489 | 757 | 699 | 1039 | 729 | 622 | 658 |
| Operating Profit | 463 | 912 | 883 | 504 | 322 | 272 | 534 | 931 | 1437 | 2100 | 2591 | 3005 |
| Profit Before Tax | 463 | 912 | 883 | 504 | 322 | 272 | 534 | 931 | 1437 | 2100 | 2591 | 3005 |
| Provision for Tax | 7 | 344 | 277 | 158 | 111 | 37 | 175 | 258 | 331 | 495 | 649 | 706 |
| Profit After Tax | 456 | 568 | 606 | 346 | 211 | 235 | 359 | 673 | 1106 | 1605 | 1942 | 2298 |
| Adjustments | 9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 464 | 568 | 606 | 346 | 211 | 235 | 359 | 673 | 1106 | 1605 | 1942 | 2298 |
| Adjusted Earnings Per Share | 5.3 | 6.6 | 7 | 3.6 | 2.2 | 2.5 | 3.7 | 7 | 11.5 | 16.6 | 20.1 | 23.7 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 18% | 20% | 10% | 6% |
| Operating Profit CAGR | 23% | 41% | 57% | 19% |
| PAT CAGR | 21% | 42% | 53% | 16% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 64% | 54% | 47% | 16% |
| ROE Average | 18% | 16% | 13% | 10% |
| ROCE Average | 22% | 19% | 15% | 12% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 4246 | 4573 | 5036 | 6264 | 6423 | 6600 | 6960 | 7596 | 8584 | 10040 | 11930 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 44690 | 50079 | 53700 | 56890 | 59868 | 59075 | 63278 | 68486 | 76638 | 89113 | 102078 |
| Borrowings | 2901 | 2894 | 1696 | 2394 | 1565 | 1184 | 2528 | 1339 | 1432 | 2478 | 1217 |
| Other Liabilities & Provisions | 1315 | 1439 | 1376 | 1393 | 1484 | 1419 | 1857 | 2650 | 3526 | 3822 | 4143 |
| Total Liabilities | 53152 | 58985 | 61808 | 66941 | 69340 | 68278 | 74623 | 80071 | 90179 | 105453 | 119367 |
| Cash and balance with RBI | 2693 | 2529 | 2790 | 2960 | 2935 | 2733 | 3514 | 3594 | 4279 | 5588 | 7354 |
| Bank Balance | 56 | 363 | 1555 | 1349 | 762 | 1660 | 2806 | 1332 | 416 | 71 | 453 |
| Investments | 12375 | 14443 | 14857 | 15803 | 14882 | 15762 | 16019 | 17216 | 18808 | 22344 | 23831 |
| Advances | 36109 | 39084 | 40908 | 44800 | 48581 | 46098 | 50364 | 54661 | 63134 | 73667 | 84005 |
| Fixed Assets | 395 | 417 | 411 | 475 | 545 | 563 | 518 | 464 | 418 | 412 | 451 |
| Other Assets | 1508 | 2146 | 1279 | 1501 | 1598 | 1438 | 1381 | 2789 | 3107 | 3351 | 3235 |
| Total Assets | 53152 | 58985 | 61808 | 66941 | 69340 | 68278 | 74623 | 80071 | 90179 | 105453 | 119367 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 2678 | 2749 | 2892 | 4345 | 4309 | 3697 | 4393 | 6320 | 4926 | 4695 | 5659 |
| Cash Flow from Operating Activities | -309 | 580 | 1611 | -550 | -1576 | 2504 | 3366 | 295 | 1217 | 2954 | 4487 |
| Cash Flow from Investing Activities | -102 | -92 | -84 | -170 | 549 | -1535 | -1379 | -1594 | -1270 | -1296 | -2151 |
| Cash Flow from Financing Activities | 482 | -346 | -74 | 683 | 414 | -274 | -59 | -96 | -178 | -694 | -188 |
| Net Cash Inflow / Outflow | 71 | 143 | 1453 | -36 | -612 | 696 | 1928 | -1394 | -231 | 963 | 2148 |
| Closing Cash & Cash Equivalent | 2749 | 2892 | 4345 | 4309 | 3697 | 4393 | 6320 | 4926 | 4695 | 5659 | 7807 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 5.29 | 6.58 | 7.02 | 3.6 | 2.2 | 2.45 | 3.75 | 7.01 | 11.49 | 16.63 | 20.1 |
| CEPS(Rs) | 6.23 | 7.53 | 8.01 | 4.49 | 3.25 | 3.69 | 5.04 | 8.25 | 12.59 | 17.66 | 21.27 |
| DPS(Rs) | 1.84 | 1.98 | 1.83 | 0.45 | 0.5 | 0 | 0.42 | 1.33 | 1.67 | 2 | 2.17 |
| Book NAV/Share(Rs) | 49.2 | 52.97 | 58.34 | 65.31 | 66.96 | 68.81 | 72.55 | 79.12 | 89.16 | 103.97 | 123.43 |
| Yield on Advances | 14.94 | 13.93 | 13.74 | 12.72 | 11.97 | 12.99 | 10.86 | 10.22 | 10.32 | 11.15 | 11.52 |
| Yield on Investments | 9.93 | 8.24 | 8.82 | 7.75 | 8.21 | 9.45 | 7.23 | 5.08 | 6 | 7.27 | 7.1 |
| Cost of Liabilities | 8.26 | 6.91 | 6.41 | 5.74 | 5.62 | 6.04 | 4.73 | 4.11 | 4.06 | 4.8 | 5.25 |
| NIM (Net Interest Margin) | 2.86 | 3.16 | 3.45 | 3.54 | 3.52 | 3.54 | 3.25 | 3.54 | 3.87 | 3.76 | 3.68 |
| Interest Spread | 6.69 | 7.01 | 7.34 | 6.98 | 6.35 | 6.95 | 6.13 | 6.11 | 6.26 | 6.35 | 6.28 |
| ROA(%) | 0.87 | 1.01 | 1 | 0.54 | 0.31 | 0.34 | 0.5 | 0.87 | 1.3 | 1.64 | 1.73 |
| ROE(%) | 12.09 | 12.88 | 12.61 | 6.12 | 3.32 | 3.61 | 5.3 | 9.25 | 13.67 | 17.24 | 17.68 |
| ROCE(%) | 12.38 | 15.61 | 13.9 | 7.74 | 5.21 | 5.01 | 7.32 | 11.11 | 16.23 | 20.15 | 21.6 |
| PER(x) | 14.52 | 9.37 | 11.28 | 21.2 | 27.14 | 6.89 | 12.39 | 5.5 | 7.56 | 9.16 | 8.67 |
| Price/Book(x) | 1.56 | 1.16 | 1.36 | 1.17 | 0.89 | 0.25 | 0.64 | 0.49 | 0.97 | 1.46 | 1.41 |
| Dividend Yield(%) | 2.39 | 3.21 | 2.32 | 0.59 | 0.84 | 0 | 0.9 | 3.46 | 1.92 | 1.31 | 1.24 |
| EV/Net Sales(x) | 1.76 | 1.51 | 1.52 | 1.71 | 1.25 | 0.47 | 1.28 | 0.9 | 1.5 | 2.09 | 1.87 |
| EV/Core EBITDA(x) | 10.09 | 6.3 | 5.43 | 5.47 | 4.26 | 1.59 | 5.4 | 3.09 | 3.95 | 6.07 | 5.62 |
| Interest Earned Growth(%) | 5.47 | 0.88 | 3.29 | 1.37 | 2.04 | 2.99 | -8.67 | 2.14 | 16.62 | 26.04 | 17.84 |
| Net Profit Growth | 6.06 | 24.59 | 6.76 | -42.96 | -39 | 11.46 | 52.92 | 87.34 | 64.29 | 45.09 | 20.99 |
| Advances Growth | 6.23 | 8.24 | 4.67 | 9.52 | 8.44 | -5.11 | 9.25 | 8.53 | 15.5 | 16.68 | 14.03 |
| EPS Growth(%) | -6.54 | 24.35 | 6.76 | -48.66 | -39 | 11.46 | 52.92 | 87.17 | 63.87 | 44.67 | 20.88 |
| Loans/Deposits(x) | 6.49 | 5.78 | 3.16 | 4.21 | 2.61 | 2 | 4 | 1.96 | 1.87 | 2.78 | 1.19 |
| Cash/Deposits(x) | 0.06 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 | 0.05 | 0.06 | 0.06 | 0.07 |
| Current Ratio(x) | 0.28 | 0.29 | 0.28 | 0.28 | 0.25 | 0.27 | 0.25 | 0.25 | 0.25 | 0.25 | 0.23 |
| Quick Ratio(x) | 6.49 | 5.78 | 3.16 | 4.21 | 2.61 | 2 | 4 | 1.96 | 1.87 | 2.78 | 1.19 |
| CASA % | 22.02 | 23.31 | 27.73 | 29.14 | 29.92 | 31.33 | 34.22 | 34.9 | 33.21 | 30.39 | 27.27 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 2.22 | 2.2 | 2.15 | 2.13 | 2.13 | 2.11 | 2.1 | 2.1 | 2.07 | 2.07 |
| FII | 15.61 | 15.38 | 15.11 | 15.1 | 14.8 | 15.12 | 15.41 | 15.81 | 16.87 | 19.25 |
| DII | 35.15 | 36.22 | 35.65 | 36.99 | 38.44 | 38.88 | 39.48 | 39.98 | 40.21 | 39.27 |
| Public | 47.02 | 46.21 | 47.09 | 45.78 | 44.63 | 43.89 | 43.01 | 42.11 | 40.85 | 39.41 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 1.78 | 1.77 | 1.73 | 1.72 | 1.72 | 1.7 | 1.69 | 2.03 | 2 | 2 |
| FII | 12.55 | 12.37 | 12.16 | 12.15 | 11.91 | 12.18 | 12.41 | 15.27 | 16.31 | 18.61 |
| DII | 28.25 | 29.13 | 28.69 | 29.77 | 30.95 | 31.3 | 31.79 | 38.63 | 38.87 | 37.96 |
| Public | 37.79 | 37.17 | 37.89 | 36.84 | 35.92 | 35.33 | 34.64 | 40.7 | 39.49 | 38.09 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 80.38 | 80.44 | 80.47 | 80.48 | 80.5 | 80.51 | 80.53 | 96.64 | 96.66 | 96.66 |
* The pros and cons are machine generated.
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