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About
Karur Vysya Bank Ltd (KARURVYSYA)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 590003 NSE: KARURVYSYA Bank - Private | Small Cap | Karur Vysya Bank Share Price
₹346.40 -1.25 (-0.36%)
As on 02-Sep'26 16:59
Karur Vysya Bank Ltd (KARURVYSYA)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 590003 NSE: KARURVYSYA Bank - Private | Small Cap | Karur Vysya Bank Share Price
₹346.40 -1.25 (-0.36%)
As on 02-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹33,487 Cr.
Current Price
₹346.4
52-Week Low / High
₹202 / 358
TTM EPS
₹28.4
TTM Sales
₹11,555 Cr.
Book Value per Share
₹153.7
P/E Ratio
12.20
Higher than its 5-year historical median
Industry PE
17.4
Price to Book (P/B)
2.25
Higher than its 5-year historical median
EV/EBITDA
7.09
Higher than its 5-year historical median
Dividend Yield
0.75%
Profitability Efficiency
Return on Equity (ROE)
19.29%
Return on Capital Employed (ROCE)
23.62%
Net Interest Margin (NIM)
3.73%
Return on Assets (ROA)
1.96%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Deposit Growth (1 Year)
Slowing versus 3-year growth rate
13.31%
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
15.93%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
18.2%
Asset Quality
CASA
26.9%
Gross NPA(%)
0.75%
Net NPA(%)
0.19%
Cost to Income Ratio
41.98%
Cost of Liabilities
5.19%
Reserves
₹14,666 Cr.
Equity
₹193.3 Cr.
Face Value
₹2
All Time Low / High
₹2.71 / 358.40
Check Before You Invest
Quality
Not GoodValuation
OvervaluedCheck Valuation charts
Price Trend
Strong
Is Karur Vysya Bank Ltd a good quality company?
Karur Vysya Bank Ltd is a weak quality company, based on a inconsistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NIM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth and Cost-to-Income ratio.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Karur Vysya Bank Ltd performance compare with that of its Peers?
AUM Growth of Karur Vysya Bank Ltd vs Industry Peers?
Karur Vysya Bank Ltd AUM CAGR is 12.85%, compared to the 5-year industry median CAGR of 12.92%, indicating stable growth and maintaining its market share.
Promoter shareholding and pledge status of Karur Vysya Bank Ltd?
Promoters hold 2.07% of the Karur Vysya Bank Ltd, with 3.85% of their stake pledged, indicating low pledge risk.
Stock return of Karur Vysya Bank Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 17.7% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Karur Vysya Bank Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income (₹ Cr.) | 2,074 | 2,298 | 2,363 | 2,348 | 2,360 | 2,715 | 3,349 | 3,818 | 4,260 | 4,939 | 5,282 | |
| YoY Gr. Rt. % | - | 10.8% | 2.8% | -0.6% | 0.5% | 15.1% | 23.3% | 14% | 11.6% | 15.9% | - | |
| Total Income | 6,405 | 6,600 | 6,779 | 7,145 | 6,389 | 6,357 | 7,675 | 9,863 | 11,508 | 13,159 | 13,634 | |
| YoY Gr. Rt. % | - | 3.1% | 2.7% | 5.4% | -10.6% | -0.5% | 20.8% | 28.5% | 16.7% | 14.4% | - | |
| Adj EPS (₹ ) | 8.4 | 4.3 | 2.6 | 2.9 | 4.5 | 8.4 | 13.8 | 20 | 20.1 | 26 | 28.4 | |
| YoY Gr. Rt. % | - | -48.7% | -38.9% | 11.4% | 53.1% | 87.1% | 63.8% | 44.7% | 0.8% | 29.2% | - | |
| BVPS (₹ ) | 70 | 78.4 | 80.4 | 82.6 | 87.1 | 94.9 | 107 | 124.8 | 123.4 | 145.9 | 153.7 | |
| YoY Gr. Rt. % | - | 12% | 2.5% | 2.8% | 5.5% | 9% | 12.7% | 16.6% | -1.1% | 18.2% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 1 | 0.5 | 0.3 | 0.3 | 0.5 | 0.9 | 1.3 | 1.6 | 1.7 | 2 | 0 | |
| To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net NPA to Net Advances (%) | 2.5 | 4.2 | 5 | 3.9 | 3.4 | 2.3 | 0.7 | 0.4 | 0.2 | 0.2 | 0.2 | |
| To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Capital Adequacy Ratio (%) | - | - | - | - | - | - | - | - | - | - | - | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 10.1% | 15.9% | 13.8% | 15.9% | ||||
| Total Income | 8.3% | 15.6% | 19.7% | 14.4% | ||||
| Adj EPS | 13.3% | 42% | 23.5% | 29.2% | ||||
| BVPS | 8.5% | 10.9% | 10.9% | 18.2% | ||||
| Share Price | 17.8% | 57.3% | 50.5% | 66.3% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned / Total Income | 87.79 | 86.36 | 85.8 | 83.84 | 85.62 | 87.9 | 84.9 | 83.28 | 84.1 | 84.16 | 84.8 | |
| Margins | To view Margins Colour Rating Guide click here ⓘ | |||||||||||
| NIM (%) | 3.5 | 3.5 | 3.5 | 3.5 | 3.3 | 3.5 | 3.9 | 3.8 | 3.7 | 3.7 | 0 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 12.6 | 6.1 | 3.3 | 3.6 | 5.3 | 9.3 | 13.7 | 17.2 | 17.7 | 19.3 | 18.5 | |
| Liquidity Ratio | To view Liquidity Ratio Colour Rating Guide click here ⓘ | |||||||||||
| CASA (%) | 27.7 | 29.1 | 29.9 | 31.3 | 34.2 | 34.9 | 33.2 | 30.4 | 27.3 | 26.9 | - | |
Valuation of Karur Vysya Bank - Standalone
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 6.70 | 4.62 | 4.65 | 4.65 | 3.69 | 3.71 | 3.71 | 3.77 | 3.85 | 3.85 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 6,405 | 6,600 | 6,779 | 7,145 | 6,389 | 6,357 | 7,675 | 9,863 | 11,508 | 13,159 |
| Expenditure + | 4,834 | 4,822 | 5,068 | 5,384 | 5,098 | 4,727 | 5,200 | 7,033 | 8,295 | 9,084 |
| Provisions | 649 | 1,183 | 1,320 | 1,412 | 738 | 705 | 937 | 581 | 598 | 756 |
| Profit Before Tax | 883 | 504 | 322 | 272 | 534 | 931 | 1,437 | 2,100 | 2,591 | 3,320 |
| Taxes | 277 | 158 | 111 | 37 | 175 | 258 | 331 | 495 | 649 | 810 |
| Profit After Tax | 606 | 346 | 211 | 235 | 359 | 673 | 1,106 | 1,605 | 1,942 | 2,510 |
| Adjusted EPS (₹) | 7.02 | 3.60 | 2.20 | 2.45 | 3.75 | 7.01 | 11.49 | 16.63 | 20.10 | 25.97 |
| Dividend Payout Ratio (%) | 26.10% | 12.60% | 22.70% | 0% | 11.10% | 19% | 14.50% | 12% | 10.80% | 10% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Share Capital ⓘ | 122 | 145 | 160 | 160 | 160 | 160 | 160 | 161 | 161 | 193 |
| Total Reserves ⓘ | 4,914 | 6,119 | 6,263 | 6,440 | 6,799 | 7,436 | 8,421 | 9,875 | 11,764 | 13,910 |
| Deposits | 53,700 | 56,890 | 59,868 | 59,075 | 63,278 | 68,486 | 76,638 | 89,113 | 1,02,078 | 1,15,666 |
| Borrowings ⓘ | 1,696 | 2,394 | 1,565 | 1,184 | 2,528 | 1,339 | 1,432 | 2,478 | 1,217 | 2,623 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 1,376 | 1,393 | 1,484 | 1,419 | 1,857 | 2,651 | 3,528 | 3,826 | 4,147 | 4,211 |
| Total Liabilities ⓘ | 61,808 | 66,941 | 69,340 | 68,278 | 74,623 | 80,071 | 90,179 | 1,05,453 | 1,19,367 | 1,36,603 |
Assets | ||||||||||
| Balance with RBI | 2,790 | 2,960 | 2,935 | 2,733 | 3,514 | 3,594 | 4,279 | 5,588 | 7,354 | 5,154 |
| Balance with Banks | 1,555 | 1,349 | 762 | 1,660 | 2,806 | 1,332 | 416 | 71 | 453 | 148 |
| Investments ⓘ | 14,857 | 15,803 | 14,882 | 15,762 | 16,019 | 17,216 | 18,808 | 22,344 | 23,831 | 29,020 |
| Advances | 40,908 | 44,800 | 48,581 | 46,098 | 50,364 | 54,661 | 63,134 | 73,667 | 84,005 | 98,191 |
| Net Block ⓘ | 411 | 475 | 545 | 563 | 518 | 464 | 418 | 412 | 451 | 455 |
| Other Assets | 1,279 | 1,501 | 1,598 | 1,438 | 1,381 | 2,789 | 3,107 | 3,351 | 3,235 | 3,588 |
| Total Assets ⓘ | 61,808 | 66,941 | 69,340 | 68,278 | 74,623 | 80,071 | 90,179 | 1,05,453 | 1,19,367 | 1,36,603 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 1,611 | -550 | -1,576 | 2,504 | 3,366 | 295 | 1,217 | 2,954 | 4,487 | -554 |
| Cash Flow From Investing Activity ⓘ | -84 | -170 | 549 | -1,535 | -1,379 | -1,594 | -1,270 | -1,296 | -2,151 | -1,745 |
| Cash Flow From Financing Activity ⓘ | -74 | 683 | 414 | -274 | -59 | -96 | -178 | -694 | -188 | -205 |
| Net Cash Flow ⓘ | 1,453 | -36 | -612 | 696 | 1,928 | -1,394 | -231 | 963 | 2,148 | -2,504 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 10 | 4.80 | 2.60 | 2.90 | 4.50 | 8.40 | 13.80 | 20 | 24.10 | 26 |
| DPS (₹) | 2.60 | 0.60 | 0.60 | 0 | 0.50 | 1.60 | 2 | 2.40 | 2.60 | 2.60 |
| BVPS (₹) | 82.6 | 86.2 | 80.4 | 82.6 | 87.1 | 94.9 | 107 | 124.8 | 148.1 | 145.9 |
Margin Ratios | ||||||||||
| Yield on Advances (%) | 13.7 | 12.7 | 12.0 | 13.0 | 10.9 | 10.2 | 10.3 | 11.2 | 11.5 | 11.3 |
| Yield on Investments (%) | 8.8 | 7.8 | 8.2 | 9.5 | 7.2 | 5.1 | 6.0 | 7.3 | 7.1 | 7.1 |
| Cost of Liabilities (%) | 6.4 | 5.7 | 5.6 | 6.0 | 4.7 | 4.1 | 4.1 | 4.8 | 5.3 | 5.2 |
| NIM (%) | 3.5 | 3.5 | 3.5 | 3.5 | 3.3 | 3.5 | 3.9 | 3.8 | 3.7 | 3.7 |
| Interest Spread (%) | 7.3 | 7.0 | 6.4 | 7.0 | 6.1 | 6.1 | 6.3 | 6.4 | 6.3 | 6.1 |
Performance Ratios | ||||||||||
| ROA (%) | 1.0 | 0.5 | 0.3 | 0.3 | 0.5 | 0.9 | 1.3 | 1.6 | 1.7 | 2.0 |
| ROE (%) | 12.6 | 6.1 | 3.3 | 3.6 | 5.3 | 9.3 | 13.7 | 17.2 | 17.7 | 19.3 |
| ROCE (%) | 13.9 | 7.7 | 5.2 | 5.0 | 7.3 | 11.1 | 16.2 | 20.2 | 21.6 | 23.6 |
Efficiency Ratios | ||||||||||
| Cost to Income Ratio (%) | 45.0 | 44.4 | 48.6 | 49.7 | 60.6 | 53.2 | 45.1 | 48.3 | 47.3 | 42.0 |
| Operating Costs to Assets (%) | 2.1 | 2.1 | 2.3 | 2.6 | 2.7 | 2.3 | 2.3 | 2.5 | 2.4 | 2.2 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 1.4 | 1.2 | 0.9 | 0.3 | 0.6 | 0.5 | 1.0 | 1.5 | 1.4 | 2.0 |
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Karur Vysya Bank Ltd FAQs
The current trading price of Karur Vysya Bank on 02-Sep-2026 16:59 is ₹346.4.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 01-Sep-2026 the market cap of Karur Vysya Bank stood at ₹33,487 Cr
The latest P/E ratio of Karur Vysya Bank as of 01-Sep-2026 is 12.20.
The latest P/B ratio of Karur Vysya Bank as of 01-Sep-2026 is 2.25.
The 52-week high of Karur Vysya Bank is ₹358.4 and the 52-week low is ₹201.8.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Karur Vysya Bank is ₹11,555 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Karur Vysya Bank Ltd is a below average quality company.
The key valuation ratios of Karur Vysya Bank Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of Karur Vysya Bank Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing
About Karur Vysya Bank Ltd
Karur Vysya Bank (KVB), founded in 1916 by M. A. Venkatarama Chettiar and Athi Krishna Chettiar, has grown from a regional banking institution into one of India’s most trusted banks. For over a century, the Bank has partnered with entrepreneurs, merchants, agriculturists, and households, supporting their progress through various economic cycles. As financial aspirations have become more diverse and dynamic, the Bank has continued to adapt while staying anchored in relationship-led banking. Currently, KVB is a dynamic, technology-driven institution with a strong presence across Commercial, Retail, Agriculture, Corporate, and Treasury banking. By combining digital innovation with personalised service, the Bank continues to deliver seamless and meaningful banking experiences to millions of customers nationwide.
KVB has a pan-India presence, with a strong footprint in semi-urban and rural locations, supported by an extensive network of branches, ATMs, and Cash Recyclers. The Bank’s strategic presence in these key markets anchors its operations and supports its nationwide reach. The Bank prioritises accessibility and convenience, ensuring that its branches, ATMs, and Cash Recyclers serve as vital touchpoints for seamless transactions and personalised assistance to its valued customers. To enhance processing efficiency and ensure quick turnaround times in the MSME sector, the Bank operates several Business Banking Units and Corporate Banking Units.
Business area of the company
The Bank is engaged in providing a wide range of banking and financial services including commercial banking and treasury operations.
Awards and Accolades
- 2019: Best practice in digital transformation, 2019: Most Innovative Category at CII Digital Transformation DX Summit and Awards.
- 2019: Best contactless innovation of the year for its product ‘at Money’ at Kamikaze Payments and Cards Awards, 2019.
- 2019: Best Retail Bank of the year at IBS India Banking Summit and Awards, 2019.
- 2019: Semi-finalist in banking category at Skoch Order of Merit Silver, 2019.
- 2019: Enterprise mobility category for KVB NEXT (Digital Loan Processing) at Technology Senate Digital South India Awards, 2019.
- 2020: Innovative Best Practice in Service Excellence by CII - Digital Transformation DX Summit Best Practice in Digital Transformation 2020.
- 2020: Best Digital Banking Solution of the year by Kamikaze Payments & Cards Awards.
- 2020: Automation of file uploading process - GEFU process through RPA Bot by Uipath Automation Excellence Awards, 2020.
- 2021: Best use of IT & Data Analytics - Runner Up by IBA Banking technology Awards, 2021.
- 2021: Best IT Risk & Cyber Security Initiatives - Runner up by IBA Banking technology Awards, 2021.
- 2021: Third Best Branch in Kerala State under the Old Private Sector Bank category - Ernakulam Palarivottom Branch by State Forum of Bankers’ Clubs, Kerala.
- 2021: Skoch BFSI Silver Award for Digital Solutions including Lending, Mobile Banking & Video KYC by Skoch.
- 2022: Digital Bank - India BFSI Awards 2022
- 2022: Business Transformation Awards 2022 for competitive edge with workforce transformation.
- 2022: Emerging Bullion Bank for the year 2022
- 2023: 14th Edition DataCenter Summit and Awards 2023
- 2023: India Banking Summit And Awards 2023
- 2023: CIO Power list 2023
- 2023: 15th Edition DataCenter Summit & Awards 2023
- 2023: Governance Now- 6th BFSI Conclave and Awards 2023
- 2023: Quantic India - 4th Annual BFSI Excellence Awards 2023
- 2024: 2nd Edition BFSI Leadership Awards 2024
- 2024: Cloud & Data Centre Summit & Awards 2024 - CIO of the year
- 2024: Cloud & Data centre Summit & Awards 2024 - Best Data centre Design and Development
- 2024: IBEX INDIA 2024 TECH AWARDS
- 2024: 19th Annual Summit & Awards – Banking & Financial Sector Lending Companies – 2024
- 2024: IBA 20th Annual Technology Conference, Expo & Citations 2024
- 2024: CIMSME-MSME Banking Excellence Awards-2024
- 2025: 4th IBA CISO Summit & Citations 2025
- 2025: 21st Annual Technology conference, Expo & Citations 2024- 25
- 2025: 17th SFBCK Banking Excellence and Businessman of the Year Awards, 2024-25
- 2025: Asianet News Healthcare Awards 2025
- 2026: Karur Vysya Bank was honoured with the Best Small Indian Bank Award at the prestigious 30th edition of the Business Today–KPMG Best Banks Awards 2026, marking the third consecutive year that the Bank has received this recognition.
- 2026: 18th edition of the BFSI & Fintech Summit 2026 - India’s Leading Private Bank (Mid)
- 2026: 12th Global SME Excellence Awards 2025-26 - MSME Bank of the Year-Private - Winner
Milestones/ History
- 1916: Commenced commercial operations in Karur
- 1925: Established the Dharma Fund, allocating 1% of profits to student scholarships
- 1952: Attained Scheduled Bank status
- 1961: Entered Madras, marking first major city presence
- 1964: Expanded through the takeover of four smaller banks
- 1972: Extended operations to Andhra Pradesh
- 1975: Expanded footprint into Karnataka
- 1980: Opened first branches in Bombay, Calcutta, and Kerala
- 1983: Established presence in Delhi and inaugurated new Corporate Office in Karur
- 1986: Ventured into treasury operations
- 1995: Became the first Indian bank to issue bonus shares; initiated total branch automation
- 2001: Installed its first ATM in Karur
- 2005: Rolled out Core Banking Solutions across 250 branches
- 2009: Launched the Golden Vision transformation journey; achieved ?25,000 crore in business
- 2012: Reached Rs 50,000 crore in business
- 2013: Introduced mobile banking services
- 2014: Published first digital annual report
- 2018: Launched KVB DLite mobile app; introduced a fully digital lending system for retail loans and working capital limits
- 2019: Pioneered Video KYC and fully digital savings account opening
- 2022: Achieved 1.25 lakh crore in business
- 2024: Crossed 1.5 lakh crore in business, doubling business between 2014 and 2024
- 2024: Central Office in Karur awarded IGBC Platinum Certification for Existing Green Buildings
- 2024, 2025 & 2026: Named Best Small Indian Bank by Business Today, three years consecutively
- 2026: Launched credit cards- Eterna, Altura, Samara, Aura
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