KARURVYSYA

Karur Vysya Bank Limited

Tamil Nadu-based private bank — retail, agricultural, SME and corporate banking

Financial Services›Financial Services›Banks›Private Sector Bank

kvb.bank.in(opens the company website in a new tab)
Ask AI

Key metrics

Price as of 2026-10-16

Stock price
₹355.65
Market cap
34,381 Cr
Stock P/E
11.6
P/B
2.23
Dividend yield
0.6%
ROE (FY26)
17.8%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

Loading price history…

Compare with peers

Loading peers…

What you need to know

Karur Vysya Bank is a private sector bank with its registered and central office in Karur, Tamil Nadu, that takes deposits and lends to retail, agricultural, commercial and corporate customers through 901 branches (Operations section, period ending March 2026).

Company snapshot

11thBy market cap

Ranked among 20 companies in Private Sector Bank.

Segment mix

Reportable segments as of 2024-12-31 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 65.6% of revenue

SegmentRevenue shareRevenuePBTAssets
Corporate/Wholesale Banking
17.8%
524 Cr164 Cr17,364 Cr
Other Banking Operations
1.3%
40 Cr31 Cr0 Cr
Other Retail Banking
65.6%
1,938 Cr607 Cr66,213 Cr
Retail Banking Digital
0.0%
0.01 Cr-0.09 Cr0.02 Cr
Treasury
15.3%
452 Cr103 Cr25,594 Cr
Un allocatted—0 Cr0 Cr7,202 Cr

What we see

Positives
  • ✓Net margin of 19.1% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
1 more signal from the filings.Sign in free to see them all

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricDec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026Sept 2026
Net Interest Income1,001 Cr995 Cr1,024 Cr1,060 Cr1,079 Cr1,089 Cr1,079 Cr1,261 Cr1,239 Cr1,359 Cr1,423 Cr1,497 Cr
Other income358 Cr629 Cr388 Cr472 Cr467 Cr509 Cr447 Cr512 Cr509 Cr616 Cr442 Cr435 Cr
Net operating income1,359 Cr1,624 Cr1,413 Cr1,532 Cr1,546 Cr1,599 Cr1,527 Cr1,774 Cr1,748 Cr1,975 Cr1,865 Cr1,932 Cr
Employee cost375 Cr440 Cr333 Cr357 Cr374 Cr385 Cr365 Cr365 Cr363 Cr341 Cr399 Cr399 Cr
Other expenses308 Cr318 Cr333 Cr359 Cr357 Cr379 Cr356 Cr391 Cr380 Cr387 Cr370 Cr371 Cr
Provisions & contingencies150 Cr293 Cr133 Cr180 Cr147 Cr161 Cr118 Cr274 Cr105 Cr258 Cr90 Cr119 Cr
Depreciation————————————
Profit before tax526 Cr574 Cr613 Cr636 Cr668 Cr674 Cr687 Cr743 Cr901 Cr989 Cr1,005 Cr1,044 Cr
Tax %21.8%20.5%25.2%25.6%25.7%23.8%24.1%22.8%23.4%26.7%24.8%24.5%
Net profit412 Cr456 Cr459 Cr474 Cr496 Cr513 Cr521 Cr574 Cr690 Cr725 Cr756 Cr788 Cr
EPS (₹)₹5.13₹5.67₹5.70₹5.89₹6.16₹6.38₹6.48₹5.94₹7.14₹7.50₹7.82₹8.15

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income2,074 Cr2,298 Cr2,363 Cr2,348 Cr2,360 Cr2,715 Cr3,349 Cr3,809 Cr4,260 Cr4,939 CrSign in free for the trailing twelve months
Other income782 Cr900 Cr963 Cr1,155 Cr919 Cr769 Cr1,159 Cr1,659 Cr1,830 Cr2,084 CrSign in free for the trailing twelve months
Net operating income2,856 Cr3,198 Cr3,326 Cr3,503 Cr3,278 Cr3,484 Cr4,508 Cr5,468 Cr6,089 Cr7,023 CrSign in free for the trailing twelve months
Employee cost———857 Cr———1,461 Cr1,449 Cr1,434 CrSign in free for the trailing twelve months
Other expenses———885 Cr———1,178 Cr1,428 Cr1,514 CrSign in free for the trailing twelve months
Provisions & contingencies687 Cr1,274 Cr1,389 Cr1,489 Cr757 Cr699 Cr1,039 Cr729 Cr622 Cr755 CrSign in free for the trailing twelve months
Depreciation——————————Sign in free for the trailing twelve months
Profit before tax883 Cr504 Cr322 Cr272 Cr534 Cr931 Cr1,437 Cr2,100 Cr2,591 Cr3,320 CrSign in free for the trailing twelve months
Tax %31.4%31.4%34.6%13.7%32.7%27.7%23.0%23.6%25.1%24.4%Sign in free for the trailing twelve months
Net profit606 Cr346 Cr211 Cr235 Cr359 Cr673 Cr1,106 Cr1,605 Cr1,942 Cr2,510 CrSign in free for the trailing twelve months
EPS (₹)₹9.29₹4.98₹2.64₹2.94₹4.50₹8.42₹13.81₹19.90₹24.13₹25.98Sign in free for the trailing twelve months
Dividend payout %———————10.0%9.9%8.3%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital122 Cr145 Cr160 Cr160 Cr160 Cr160 Cr160 Cr161 Cr161 Cr193 Cr
Reserves4,914 Cr6,119 Cr6,263 Cr6,440 Cr6,800 Cr7,436 Cr8,424 Cr9,879 Cr11,769 Cr13,915 Cr
Borrowings1,696 Cr2,382 Cr1,565 Cr1,184 Cr2,528 Cr1,339 Cr1,432 Cr2,478 Cr1,217 Cr2,623 Cr
Other liabilities55,076 Cr58,283 Cr61,352 Cr60,494 Cr65,135 Cr71,108 Cr80,163 Cr93,067 Cr1,06,221 Cr1,19,873 Cr
Total liabilities61,808 Cr66,929 Cr69,340 Cr68,278 Cr74,623 Cr80,044 Cr90,179 Cr1,05,585 Cr1,19,367 Cr1,36,603 Cr
Fixed assets (net)419 Cr528 Cr583 Cr587 Cr539 Cr478 Cr435 Cr433 Cr490 Cr502 Cr
CWIP——————————
Investments14,857 Cr15,803 Cr14,882 Cr15,762 Cr16,019 Cr17,216 Cr18,808 Cr22,344 Cr23,831 Cr29,020 Cr
Loans & advances40,908 Cr44,800 Cr48,581 Cr46,098 Cr50,364 Cr55,335 Cr63,134 Cr73,667 Cr84,005 Cr98,191 Cr
Cash & bank2,790 Cr2,960 Cr2,935 Cr2,733 Cr3,514 Cr3,594 Cr4,279 Cr5,588 Cr7,354 Cr5,154 Cr
Other assets2,833 Cr2,838 Cr2,360 Cr3,098 Cr4,188 Cr3,420 Cr3,522 Cr3,553 Cr3,687 Cr3,737 Cr
Total assets61,808 Cr66,929 Cr69,340 Cr68,278 Cr74,623 Cr80,044 Cr90,179 Cr1,05,585 Cr1,19,367 Cr1,36,603 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity1,611 Cr-537 Cr-1,576 Cr2,504 Cr3,366 Cr295 Cr1,217 Cr2,954 Cr4,487 Cr-554 Cr
Cash from investing-84 Cr-194 Cr549 Cr-1,535 Cr-1,379 Cr-1,594 Cr-1,270 Cr-1,296 Cr-2,151 Cr-1,745 Cr
Cash from financing-74 Cr683 Cr414 Cr-274 Cr-59 Cr-96 Cr-178 Cr-694 Cr-188 Cr-205 Cr
Net cash flow1,453 Cr-48 Cr-612 Cr696 Cr1,928 Cr-1,394 Cr-231 Cr963 Cr2,148 Cr-2,504 Cr
Free cash flow (OCF − Capex)1,526 Cr-712 Cr-1,732 Cr2,381 Cr———2,856 Cr4,315 Cr-706 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %12.0%5.5%3.3%3.6%5.2%8.9%12.9%16.0%16.3%17.8%

Regulatory ratios (standalone basis)

RBI ratios for the bank itself (standalone filing), on both views.

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA———4,213 Cr———1,042 Cr642 Cr744 Cr
Gross NPA %———8.7%———1.4%0.8%0.8%
Net NPA———1,809 Cr———298 Cr166 Cr186 Cr
Net NPA %2.5%4.2%—3.9%———0.4%0.2%0.2%
CET1 %11.8%13.9%—15.3%———15.5%18.2%18.8%
Additional Tier 1 %0.0%0.0%—17.2%———0.0%0.0%0.0%
ROA %1.0%0.5%—0.3%———1.6%1.7%1.9%