Karur Vysya Bank Financials
NSE: KARURVYSYA | BSE: 590003
₹340.60
₹-0.55
(-0.16%)
As on 09-Sep-2026IST
Market cap
₹32,912 Cr
Revenue (TTM)
₹11,555 Cr
P/E Ratio
12
P/B Ratio
2.2
Div. Yield
0.8 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Interest Earned
|
11,555.22
|
11,074.35
|
9,678.04
|
8,213.16
|
6,516.55
|
5,587.67
|
|
|
|
|
|
|
Other Income
|
2,078.86
|
2,084.32
|
1,829.55
|
1,649.47
|
1,158.94
|
769.05
|
|
|
|
|
|
|
Total Income
|
13,634.08
|
13,158.67
|
11,507.59
|
9,862.63
|
7,675.49
|
6,356.73
|
|
|
|
|
|
|
Interest Expended
|
6,273.27
|
6,135.80
|
5,418.12
|
4,394.74
|
3,167.74
|
2,872.30
|
|
|
|
|
|
|
Operating Expenses
|
2,995.73
|
2,947.89
|
2,877.15
|
2,638.75
|
2,031.96
|
1,854.22
|
|
|
|
|
|
|
Operating Profit before Prov. & Cont.
|
4,365.08
|
4,074.98
|
3,212.33
|
2,829.14
|
2,475.79
|
1,630.21
|
|
|
|
|
|
|
Provisions and Contingencies
|
727.09
|
754.93
|
621.60
|
728.95
|
1,038.92
|
699.29
|
|
|
|
|
|
|
Profit Before Tax
|
3,637.99
|
3,320.05
|
2,590.73
|
2,100.19
|
1,436.86
|
930.92
|
|
|
|
|
|
|
Taxes
|
893.41
|
809.72
|
649.09
|
495.38
|
330.77
|
257.65
|
|
|
|
|
|
|
Profit after Tax
|
2,744.58
|
2,510.33
|
1,941.64
|
1,604.81
|
1,106.09
|
673.27
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
2,744.58
|
2,510.33
|
1,941.64
|
1,604.81
|
1,106.09
|
673.27
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
14,107.87
|
14,107.87
|
11,929.54
|
10,040.07
|
8,584.05
|
7,596.20
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Deposits
|
1,15,665.74
|
1,15,665.74
|
1,02,077.99
|
89,112.72
|
76,637.58
|
68,486.01
|
|
|
|
|
|
|
Borrowings
|
2,622.56
|
2,622.56
|
1,216.98
|
2,478.35
|
1,432.01
|
1,339.09
|
|
|
|
|
|
|
Other Liabilities & Provisions
|
4,206.92
|
4,206.93
|
4,142.90
|
3,822.11
|
3,525.77
|
2,650.02
|
|
|
|
|
|
|
Total Liabilities
|
1,36,603.09
|
1,36,603.09
|
1,19,367.42
|
1,05,453.26
|
90,179.42
|
80,071.32
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash and Balance with Reserve Bank of India
|
5,154.39
|
5,154.39
|
7,354.19
|
5,587.93
|
4,279.48
|
3,594.26
|
|
|
|
|
|
|
Balances with Banks and Money at Call
|
148.25
|
148.25
|
452.53
|
70.64
|
415.65
|
1,331.91
|
|
|
|
|
|
|
Investments
|
29,019.89
|
29,019.89
|
23,831.25
|
22,343.52
|
18,808.32
|
17,216.06
|
|
|
|
|
|
|
Advances
|
98,190.61
|
98,190.61
|
84,004.54
|
73,667.48
|
63,134.14
|
54,661.20
|
|
|
|
|
|
|
Net Block
|
501.62
|
454.81
|
451.14
|
412.42
|
417.62
|
463.63
|
|
|
|
|
|
|
Other Assets
|
3,588.33
|
3,588.33
|
3,234.73
|
3,350.81
|
3,106.79
|
2,789.40
|
|
|
|
|
|
|
Miscellaneous Exp. Not Written Off
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Total Assets
|
1,36,603.09
|
1,36,603.09
|
1,19,367.42
|
1,05,453.26
|
90,179.42
|
80,071.32
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
-553.95
|
4,487.08
|
2,954.06
|
1,217.21
|
295.49
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
-1,745.12
|
-2,150.80
|
-1,296.48
|
-1,270.21
|
-1,593.76
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
-205.01
|
-188.12
|
-694.15
|
-178.05
|
-95.90
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
-2,504.08
|
2,148.16
|
963.43
|
-231.04
|
-1,394.17
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
28.39
|
25.97
|
20.10
|
16.63
|
11.49
|
7.01
|
|
|
|
|
|
|
Cash EPS (₹)
|
28.39
|
27.28
|
21.27
|
17.66
|
12.59
|
8.25
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
153.71
|
145.90
|
123.43
|
103.97
|
89.16
|
79.12
|
|
|
|
|
|
|
Dividend per Share (₹)
|
0.76
|
2.60
|
2.17
|
2.00
|
1.67
|
1.33
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
-5.73
|
55.73
|
36.72
|
15.18
|
3.69
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
-17.37
|
42.63
|
26.29
|
-7.23
|
-16.72
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Yield on Advances
|
--
|
11.28
|
11.52
|
11.15
|
10.32
|
10.22
|
|
|
|
|
|
|
Yield on Investments
|
--
|
7.05
|
7.10
|
7.27
|
6.00
|
5.08
|
|
|
|
|
|
|
Interest Spread
|
--
|
6.09
|
6.28
|
6.35
|
6.26
|
6.11
|
|
|
|
|
|
|
NIM (%)
|
4.26
|
3.73
|
3.68
|
3.76
|
3.87
|
3.54
|
|
|
|
|
|
|
ROE (%)
|
20.40
|
19.29
|
17.68
|
17.24
|
13.67
|
9.25
|
|
|
|
|
|
|
ROA (%)
|
2.14
|
1.96
|
1.73
|
1.64
|
1.30
|
0.87
|
|
|
|
|
|
|
Cost to Income Ratio
|
--
|
41.98
|
47.25
|
48.26
|
45.08
|
53.21
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
16.02
|
14.43
|
17.84
|
26.04
|
16.62
|
2.14
|
|
|
|
|
|
|
EBIT Growth (%)
|
65.54
|
26.85
|
13.54
|
14.27
|
51.87
|
26.22
|
|
|
|
|
|
|
Net Profit Growth (%)
|
22.48
|
29.29
|
20.99
|
45.09
|
64.29
|
87.34
|
|
|
|
|
|
|
EPS Growth (%)
|
36.85
|
29.22
|
20.88
|
44.67
|
63.87
|
87.17
|
|
|
|
|
|
|
Book Value Growth (%)
|
-1.50
|
18.26
|
18.83
|
16.94
|
12.98
|
9.14
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
11.99
|
11.13
|
7.23
|
9.16
|
7.56
|
5.50
|
|
|
|
|
|
|
Price / Book Value
|
2.21
|
1.98
|
1.41
|
1.46
|
0.97
|
0.49
|
|
|
|
|
|
|
Dividend Yield (%)
|
0.76
|
0.90
|
1.24
|
1.31
|
1.92
|
3.46
|
|
|
|
|
|
|
EV/EBITDA
|
6.96
|
7.50
|
5.62
|
6.07
|
3.95
|
3.09
|
|
|
|
|
|
|
Close Price (₹)
|
296.10
|
289.40
|
174.37
|
152.25
|
87.00
|
38.58
|
|
|
|
|
|
|
High Price (₹)
|
343.55
|
343.55
|
205.13
|
170.75
|
96.83
|
50.83
|
|
|
|
|
|
|
Low Price (₹)
|
201.80
|
158.38
|
136.75
|
77.50
|
34.79
|
32.00
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
32,911.76
|
27,940.59
|
16,834.95
|
14,691.71
|
8,357.47
|
3,704.07
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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