MarketFriction

Karur Vysya Bank Ltd

NSE KARURVYSYA · BSE 590003 · Private Sector Bank
₹325.30 +0.15%
NSE close2026-10-01
52 week range208.10 - 358.65
Market cap₹30,751 Cr.
P/E11.2
Results 15-10 Nifty 500Nifty Smallcap 50Nifty Smallcap 100Smallcap 250 Price band 20% Delivery 58.4%

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Standalone, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue1,9972,1392,1872,2852,3872,4892,5162,5692,8082,7942,9043,049
Interest1,0821,1381,1891,2601,3241,4071,4271,4891,5471,5551,5451,627
Expenses7438331,0518008968789258391,030848985859
Financing Profit173168-53225167203164240231392373564
Financing Margin %9%8%-2%10%7%8%7%9%8%14%13%18%
Other Income339358626388469465509447512509616442
Depreciation000000000000
Profit before tax5125265746136366686746877439019891,005
Tax %26%22%20%25%26%26%24%24%23%23%27%25%
Net Profit378412456459474496513521574690725756
EPS in Rs3.934.274.734.754.905.145.315.405.947.147.507.82
Gross NPA %1.73%1.58%1.40%1.32%1.10%0.83%0.76%0.66%0.76%0.71%0.75%0.74%
Net NPA %0.47%0.42%0.40%0.38%0.28%0.20%0.20%0.19%0.19%0.19%0.19%0.19%
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue5,4435,6225,7005,8165,9905,4705,5886,5178,2139,67811,07411,555
Interest3,6623,5493,4023,4533,6423,1112,8723,1684,3955,4186,1366,273
Expenses1,4941,8872,6092,9023,1122,6202,4342,9653,2673,3853,5763,723
Financing Profit288187-311-539-764-2602813845518751,3631,559
Financing Margin %5%3%-5%-9%-13%-5%5%6%7%9%12%13%
Other Income7077829009631,1559197691,1591,6491,8302,0842,079
Depreciation8386851011191241191061001141270
Profit before tax9128835043222725349311,4372,1002,5913,3203,638
Tax %38%31%31%35%14%33%28%23%24%25%24%
Net Profit5686063462112353596731,1061,6051,9422,5102,745
EPS in Rs6.056.463.602.202.453.757.0111.4916.6320.1025.9728.40
Dividend Payout %30%26%13%23%0%11%19%14%12%11%10%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth7%15%19%16%
Compounded Profit Growth16%47%31%37%
Stock Price CAGR17%52%42%51%
Return on Equity12%16%18%19%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital122122122145160160160160160161161193
Reserves4,1244,4514,9146,1196,2636,4406,8007,4368,4249,87911,76913,915
Deposits44,84050,07953,70056,89059,86859,07563,27868,48676,63889,113102,078115,666
Borrowing2,7512,8941,6962,3941,5651,1842,5281,3391,4322,4781,2172,623
Other Liabilities1,3151,4391,3761,3931,4841,4191,8572,6503,5263,8224,1434,207
Total Liabilities53,15258,98561,80866,94169,34068,27874,62380,07190,179105,453119,367136,603
Fixed Assets395417411475545563518464418412451455
CWIP1748533823211517203947
Investments12,37514,44314,85715,80314,88215,76216,01917,21618,80822,34423,83129,020
Other Assets40,36644,12246,53250,61053,87651,92958,06562,37770,93682,67795,046107,082
Total Assets53,15258,98561,80866,94169,34068,27874,62380,07190,179105,453119,367136,603
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-3095801,611-550-1,5762,5043,3662951,2172,9544,487-554
Cash from Investing Activity-102-92-84-170549-1,535-1,379-1,594-1,270-1,296-2,151-1,745
Cash from Financing Activity482-346-74683414-274-59-96-178-694-188-205
Net Cash Flow711431,453-36-6126961,928-1,394-2319632,148-2,504
Free Cash Flow-4114881,527-744-1,7302,3693,2892381,1562,8644,319-683
CFO/OP-5%19%49%-11%-47%91%123%-1%28%69%79%2%
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%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters2.24%2.22%2.20%2.15%2.13%2.13%2.11%2.10%2.10%2.07%2.07%2.07%
FIIs18.09%15.61%15.38%15.11%15.10%14.80%15.12%15.41%15.81%16.87%19.25%17.92%
DIIs32.29%35.16%36.22%35.68%37.01%38.47%38.87%39.47%39.97%40.20%39.26%41.22%
Government0.01%0.02%0.02%0.00%0.00%0.00%0.02%0.02%0.01%0.02%0.02%0.01%
Public47.38%47.00%46.19%47.07%45.76%44.60%43.88%43.00%42.11%40.84%39.40%38.78%
No. of Shareholders2,22,3162,32,0522,45,9532,58,9642,57,3002,60,3872,60,9492,52,9572,64,7842,67,1742,72,7262,75,908

Fundamentals

Market Cap₹ 30,751 Cr.
Current Price₹ 318
Stock P/E11.2
Book Value₹ 146
ROCE7.62 %
ROE19.1 %
Dividend Yield0.82 %
Face Value₹ 2.00
Compounded Sales Growth (TTM)16%
Compounded Profit Growth (TTM)37%
Standalone figures.
Valuation
Market capRs 31,445 Cr
Enterprise valueRs 144,579 Cr
P/E (TTM)11.46x
Price to book2.23x
Price to sales2.72x
EV / EBITDA14.40x
EV / EBIT14.59x
EV / sales12.51x
Earnings yield8.73%
Dividend yield0.80%
P/E, 3-year average8.67x
P/B, 3-year average1.46x
P/E, 5-year average7.38x
P/B, 5-year average1.12x
Profitability
Operating margin (excl. other income)67.71%
Operating margin (incl. other income)86.53%
EBITDA margin86.87%
Pre-tax margin31.48%
Net profit margin23.75%
Net margin, latest quarter24.78%
ROE19.28%
ROCE7.64%
ROA1.96%
ROE, 3-year average18.06%
ROCE, 3-year average7.31%
ROA, 3-year average1.78%
ROE, 5-year average15.42%
ROCE, 5-year average6.52%
ROA, 5-year average1.50%
ROIC (approx.)5.89%
Tax rate24.39%
Other income / net worth14.77%
Growth
Sales growth (latest year)14.43%
Profit growth (latest year)29.29%
Sales CAGR, 3 years19.33%
Sales CAGR, 5 years15.15%
Profit CAGR, 3 years31.42%
Profit CAGR, 5 years47.51%
Sales growth QoQ5.02%
Profit growth QoQ4.24%
Sales growth YoY (latest quarter)18.72%
Profit growth YoY (latest quarter)44.92%
Per share
EPS (TTM)Rs 28.39
EPS (latest year)Rs 25.97
EPS (latest quarter)Rs 7.82
EPS, 3-year averageRs 23.35
EPS, 5-year averageRs 18.45
Book value per shareRs 145.95
Sales per shareRs 119.54
Cash flow per shareRs -5.73
Free cash flow per shareRs -7.07
Dividend per share (latest year)Rs 2.60
Dividend per share, 3-year averageRs 2.53
Dividend per share, 5-year averageRs 2.24
Dividends
Dividend payout10.01%
Dividend payout, 3-year average10.94%
Dividend payout, 5-year average13.27%
Efficiency
Asset turnover0.08x
Fixed asset turnover24.35x
Leverage
Total debtRs 118,288 Cr
Cash and bankRs 5,154 Cr
Net debtRs 113,134 Cr
Debt to equity8.38x
Net debt / EBITDA11.27x
Interest coverage1.58x
Owners' fund to total sources10.33%
Debt to assets86.59%
Cash flow
Cash from Operating Activity (latest year)Rs -554 Cr
Cash from Investing Activity (latest year)Rs -1,745 Cr
Cash from Financing Activity (latest year)Rs -205 Cr
Net Cash Flow (latest year)Rs -2,504 Cr
Free cash flow (latest year)Rs -683 Cr
FCFE (approx.: FCF + change in debt)Rs 14,310 Cr
Cash from ops / profit, 5 years1.07x
Statement figures
Net sales (TTM)Rs 11,555 Cr
Net sales (latest year)Rs 11,074 Cr
Sales (latest quarter)Rs 3,049 Cr
Operating profit excl. other income (latest year)Rs 7,499 Cr
Operating profit (latest quarter)Rs 2,190 Cr
Other income (TTM)Rs 2,079 Cr
EBITDA (TTM)Rs 10,038 Cr
PBDT (TTM)Rs 3,765 Cr
Profit before tax (TTM)Rs 3,638 Cr
Tax (latest year)Rs 810 Cr
Net profit (TTM)Rs 2,745 Cr
Net profit (latest year)Rs 2,510 Cr
Net profit (latest quarter)Rs 756 Cr
Depreciation (TTM)Rs 127 Cr
Interest (TTM)Rs 6,273 Cr
Cost of goods sold (latest year)Rs 116 Cr
Total expenditure (latest year)Rs 3,576 Cr
Total income (latest year)Rs 13,159 Cr
Share capitalRs 193 Cr
ReservesRs 13,915 Cr
Shareholders' fundsRs 14,108 Cr
Total assetsRs 136,603 Cr
Net blockRs 455 Cr
Capital work in progressRs 47 Cr
InvestmentsRs 29,020 Cr
Other liabilitiesRs 4,207 Cr
Shares outstanding (crore)96.66
Ownership
Promoter holding2.07% (-0.03 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 11.5 is at the 38th percentile of its own 9.4-year range (median 12.2, low 5.4, high 27.0).
P/B 2.23 is at the 92th percentile (median 1.14).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
PeriodKARURVYSYANifty 50Difference
1 week+0.1%-2.8% +2.9 pts
1 month-6.4%-6.8% +0.4 pts
3 months+11.5%-7.6% +19.1 pts
6 months+12.4%+0.4% +12.0 pts
1 year+55.0%-9.9% +64.9 pts
2 years+77.5%-13.6% +91.1 pts
3 years+191.7%+14.2% +177.6 pts
5 years+730.5%+27.9% +702.6 pts
178 mutual fund schemes hold about ₹11,091 Cr. Over three months 43 bought more and 38 sold (share counts, price move removed).
FundWeightEst. Cr3m shares
HDFC Mid Cap Fund1.26%1,363 -3%
Nippon India Small Cap Fund1.34%1,109 -0%
HDFC Focused Fund2.34%659 +2%
HSBC Value Fund3.57%549 +2%
Axis Small Cap Fund1.34%422 -2%
HSBC Small Cap Fund2.12%404 -2%
Invesco India Smallcap Fund2.14%336 -10%
Canara Rob Small Cap Fund2.22%326 +0%
Edelweiss Mid Cap Fund1.36%271 -6%
Motilal Oswal Small Cap Fund3.29%268 -14%
Axis ELSS-Tax Saver Fund0.76%250 +3%
HDFC ELSS-Tax Saver Fund1.30%209 +3%
Kotak Small Cap Fund1.03%203 +1%
Edelweiss Small Cap Fund2.64%191 -4%
Franklin India Small Cap Fund1.22%180 +2%
HSBC Aggressive Hybrid Fund2.81%165 +2%
SBI ELSS Tax Saver Fund0.46%146 +100%
PGIM India Midcap Fund1.22%137 +3%
Mirae Asset Small Cap Fund2.33%133 -11%
UTI Small Cap Fund2.48%130 -7%
Aditya Birla SL Small Cap Fund2.04%127 +3%
Axis Multicap Fund1.15%126 -8%
SBI Banking & Financial Services Fund1.14%124 +100%
UTI Mid Cap Fund0.96%123 -14%
Invesco India Financial Services Fund5.18%98 +7%

Red flags

F-score 4 of 8
lookProfit leans on other income Other income was 63% of pre-tax profit in 2026
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Insider trades

NSE insider and takeover-code disclosures
DateWhoRoleSideSharesValueHow
2026-03-27M V UshaPromoter Groupsell6,000Rs 0.17 CrMarket Sale
2026-03-27M V PRAJEETHPromoter Groupsell5,000Rs 0.14 CrMarket Sale
2026-03-27MUNUGOOR K VENKATESANPromoterssell5,000Rs 0.14 CrMarket Sale
2026-03-18MUNUGOOR K VENKATESANPromotersother15,000Rs 0.43 CrPledge Creation
2026-02-24MUNUGOOR K VENKATESANPromoterssell2,000Rs 0.07 CrMarket Sale
2026-02-24M V UshaPromoter Groupsell2,000Rs 0.07 CrMarket Sale
2025-12-26M V PRAJEETHPromoter Groupsell5,000Rs 0.13 CrMarket Sale
2025-12-26M V PRAJEETHPromoter Groupsell5,000Rs 0.13 CrMarket Sale
2025-12-26A J SURIYANARAYANAPromoterssell150,000Rs 3.86 CrMarket Sale
2025-12-26A J SURIYANARAYANAPromoterssell150,000Rs 3.86 CrMarket Sale
2025-12-18MUNUGOOR K VENKATESANPromoterssell5,000Rs 0.12 CrMarket Sale
2025-12-18M V UshaPromoter Groupsell5,000Rs 0.12 CrMarket Sale
Latest disclosed trades by insiders, promoters and large holders. Grants, option exercises and pledges show as "other". A filing is a fact, not a signal on its own.

Latest quarter

Jun 2026
Revenue ₹3,049 Cr +18.7% vs Jun 2025. Net profit ₹756 Cr +45.1%.

Activity

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No bulk or block deals on record.
Ex-dateActionFactor
2026-07-24Dividend - Rs 2.60 Per Share
2025-08-26Bonus 1:50.8333
2025-08-07Dividend - Rs 2.60 Per Share
2024-08-01Dividend - Rs 2.40 Per Share
2023-08-07Dividend - Rs 2 Per Share
2022-07-19Annual General Meeting/Dividend - Rs 1.60 Per Share
2021-07-23 Annual General Meeting/Dividend - Rs 0.50 Per Share
2020-09-15 Annual General Meeting
2019-07-10 Annual General Meeting/Dividend - Rs 0.60 Per Share
2018-08-14 Bonus 1:100.9091
2018-07-11 Dividend- Re 0.60 Per Share
2017-10-12 Rights 1:6 @ Premium Rs 74/-
2017-07-12 Annual General Meeting/ Dividend � Rs 2.60 Per Share
2016-11-17 Fv Splt Frm Rs 10 To Rs 20.2000
2016-07-12 Annual General Meeting/ Dividend -Rs 4/- Per Share
2016-03-21 Interim Dividend - Rs 10/- Per Share (Purpose Revised)
2015-07-10Annual General Meeting/ Dividend - Rs 13/- Per Share
2014-07-03Annual General Meeting / Dividend Rs.13/- Per Share
2013-07-11Annual General Meeting/Dividend Rs 14/- Per Share
2012-07-19Annual General Meting / Dividend Rs 14 Per Share
2011-07-21Dividend-Rs.12/- Per Share
2011-02-17Rights 2:5 @ Premium Rs.140/- Per Share
2010-09-16Bonus 2:50.7143
2010-07-14Dividend-Rs.12/- Per Share
2009-07-14Dividend-Rs.12/ Per Share
2008-07-16Agm/Dividend - 120%
2007-07-12Agm/Dividend-100%
2006-12-13Rights 1:2@Prem Rs.60/-
2006-07-19Agm/Div - 120%/Bonus 1:10.5000
DateTypeWhat it says
2026-10-01UpdatesIntimation under SEBI (Listing Obligations and Disclosure Requirements) Regulation, 2015 read with Prohibition of Insider Trading Regulations, 2015.
2026-09-28Concall / analyst meetOutcome
2026-09-25Credit RatingCredit Rating
2026-09-24General UpdatesGeneral Updates - Strike call given by the United Forum of Bank Unions (UFBU)
2026-09-23Concall / analyst meetSchedule of meet
2026-09-23Press ReleaseA press release dated September 23, 2026, titled "Karur Vysya Bank opens new branches in P N Pudur - Coimbatore and Labbaikudikadu".
2026-09-19UpdatesRevision in Marginal Cost of Funds Based Lending Rates (MCLR), Base Rate and BPLR.
2026-09-19UpdatesOpening of New Branches.
2026-09-15General UpdatesESG rating
2026-09-10General UpdatesGeneral Updates - Strike call given by the United Forum of Bank Unions (UFBU)
2026-09-03Concall / analyst meetOutcome of the Institutional Investor/Analyst meet
2026-09-03UpdatesIntimation of grant of options under KVB ESOS 2018 Scheme to Shri B Ramesh Babu, Managing Director & CEO of the Bank and Shri B Sankar, Executive Dir...
2026-09-03General UpdatesESG rating
2026-09-01UpdatesRegulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Order received from The Hon ble Income Tax Appellate Tribu...
2026-09-01General UpdatesRegulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Intimation on charge taking by Shri Ramasamy G V, General ...
2026-08-31Press ReleaseA press release dated August 31, 2026, titled "Karur Vysya Bank Opens 16 New Branches in a Single Day".
2026-08-28Concall / analyst meetSchedule of meet
2026-08-28General UpdatesESG rating
2026-08-27General UpdatesESG rating
2026-08-27UpdatesOpening of New Branches .
2026-08-20General UpdatesRevision in Marginal Cost of Funds Based Lending Rates (MCLR)
2026-08-20Board meeting outcomeRegulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Re-organisation of Departments and changes in Senior Manag...
2026-08-14Concall / analyst meetOutcome of the Institutional Investor/Analyst meet
2026-08-06Shareholder meetingVoting results.
2026-08-05Shareholder meetingProceedings of Annual General Meeting held on August 05, 2026
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Order dateForumCase
2021-07-20NCLTKarur Vysya Bank Ltd. Vs M/s Accil Corporation Pvt. Ltd.
2020-11-12NCLT(John Freight Systems Ltd) Vs Karur Vysya Bank Ltd
2019-11-18NCLATK. Paramasivam. VS The karur Vysya Bank Ltd. & Anr
2019-10-14NCLATK. Paramasivam. VS The karur Vysya Bank Ltd. & Anr
2019-09-13NCLATKCP Shivraman VS Karur Vysya Bank Ltd. & Anr.
2019-09-06NCLATK. Paramasivam. VS The karur Vysya Bank Ltd. & Anr
Orders from NCLT, NCLAT and CESTAT naming the company. Click a row for the order.
Not on any NSE surveillance list in the latest file.
Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.Updated 2026-10-03