Karur Vysya Bank
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Karur Vysya Bank share price

Karur Vysya Bank Ltd.

NSE: KARURVYSYA BSE: 590003 SECTOR: Bank - Private  2 L   636   124

209.55
+3.00 (1.45%)
BSE: 11 Sep 04:01 PM

Price Summary

Today's High

₹ 211.35

Today's Low

₹ 206.85

52 Week High

₹ 231.29

52 Week Low

₹ 153.67

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 20248.25 Cr.

CASA %

27.27

No. of Shares

96.63 Cr.

P/E

10.1

P/B

1.62

Face Value

₹ 2

Div. Yield

1.03 %

Book Value (TTM)

₹  129.15

Net Interest Income

₹ 4259.92 Cr.

Cost To Income %

47.25

Promoter Holding

2.1 %

EPS (TTM)

₹  20.74

CAR %

18.17

ROE

17.68 %

ROCE

21.6%

Profit Growth

20.99 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year17.68%
3 Year16.2%
5 Year12.63%

ROA%

1 Year1.73%
3 Year1.56%
5 Year1.21%

Net NPA%

1 Year0.2%
3 Year0.45%
5 Year1.41%

 NIM

1 Year3.68%
3 Year3.77%
5 Year3.62%

CAR %

18.17

Cost of Liabilities %

5.2453

PEG Ratio

0.48

Advances Growth %

14.032

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 2.10 3.71
Mar 2025 2.11 3.69
Dec 2024 2.13 4.65
Sep 2024 2.13 4.65
Jun 2024 2.15 4.62
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.55576666666667% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 16.1988333333333%.
  • The company has been consistently maintaining a NIM of 3.76823333333333% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.446666666666667%.
  • Good Capital Adequacy Ratio of 18.17%.
  • The company has delivered good Profit growth of 42.3399525965223% over the past 3 years.
  • The company has delivered good Income growth of 20.0930845669236% over the past 3 years.

 Limitations

  • CASA Growth of -3.129% YoY, which is very low.
  • High Cost to income ratio of 47.2479%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Interest Earned 2286.96 2384 2486.01 2515.93 2568.55
Other Income 385.92 472.01 467.43 509.33 447.25
Interest Expended 1260.18 1324.05 1407.22 1426.67 1489.2
Operating Expenses 666.85 715.72 730.95 763.62 721.1
Total Provisions 132.94 179.83 147.44 161.4 118.14
Profit Before Tax 612.91 636.41 667.83 673.57 687.36
Tax 154.26 162.81 171.8 160.21 165.91
Net Profit 458.65 473.6 496.03 513.36 521.45
Net NPA % 0.38 0.28 0.2 0.2 0.19
Gross NPA % 1.32 1.1 0.83 0.76 0.66
Return on Assets % 1.7 1.72 1.74 1.73 1.73
NPM % 20.06 19.87 19.95 20.4 20.3

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Interest Earned 5470.43 5587.67 6516.55 8213.16 9678.04
Other Income 918.83 769.05 1158.94 1649.47 1829.55
Interest Expended 3110.91 2872.3 3167.74 4394.74 5418.12
Operating Expenses 1986.83 1854.22 2031.96 2638.75 2877.15
Total Provisions 757.14 699.29 1038.92 728.95 621.6
Profit Before Tax 534.37 930.92 1436.86 2100.19 2590.73
Taxes 174.98 257.65 330.77 495.38 649.09
Net Profit 359.39 673.27 1106.09 1604.81 1941.64
Adjusted EPS (Rs.) 3.75 7.01 11.49 16.63 20.1

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 159.86 160 160.41 160.88 161.02
Total Reserves 6799.44 7435.57 8421.39 9875 11764.45
Deposits 63278.43 68486.01 76637.58 89112.72 102077.99
Borrowings 2528.29 1339.09 1432.01 2478.35 1216.98
Other Liabilities 1856.73 2650.02 3525.77 3822.11 4142.9
Total Liabilities 74623.19 80071.32 90179.42 105453.26 119367.42
Assets
Balance with RBI 3514.05 3594.26 4279.48 5587.93 7354.19
Balance with Banks 2806.28 1331.91 415.65 70.64 452.53
Investments 16018.93 17216.06 18808.32 22343.52 23831.25
Advances 50363.51 54661.2 63134.14 73667.48 84004.54
Net Block 518.46 463.63 417.62 412.42 451.14
Other Assets 1381.36 2789.4 3106.79 3350.81 3234.73
Total Assets 74623.19 80071.32 90179.42 105453.26 119367.42
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 2.15 2.13 2.13 2.11 2.10
a s sudha 0.06 0.06 0.06 0.06 0.06
a k kasthuri 0.01 0.01 0.01 0.01 0.01
a k praburaj 0.01 0.01 0.01 0.01 0.01
a s jayanthkrishna 0.04 0.04 0.04 0.04 0.04
a s varunprasad 0.04 0.04 0.04 0.04 0.04
a v kandaswamy 0.01 0.01 0.01 0.01 0.01
a.p. preetha 0.01 0.01 0.01 0.01 0.01
anuradha c b 0.05 0.05 0.05 0.04 0.04
g mani 0.13 0.13 0.13 0.13 0.13
g mani (huf) - - - 0.05 0.05
g rajasekaran 0.21 0.21 0.21 0.21 0.21
g rajasekaran (huf) - - - 0.05 0.05
m k srinivasan 0.06 0.06 0.06 0.06 0.06
m k venkatesan 0.05 0.05 0.05 0.05 0.04
m k venkatesan (huf) - - - 0.04 0.04
m v srinivasamoorthy 0.01 0.01 0.01 0.01 0.01
m v usha 0.04 0.04 0.04 0.04 0.04
nirmala 0.07 0.07 0.07 0.07 0.07
prajeeth m v 0.03 0.03 0.03 0.03 0.03
r archana 0.08 0.08 0.08 0.08 0.08
r nageswari 0.15 0.15 0.15 0.15 0.15
r ramkumar 0.22 0.22 0.22 0.22 0.22
r ramkumar (huf) 0.06 0.06 0.06 0.06 0.06
srimathi e 0.01 0.01 0.01 0.01 0.01
suriyanarayana a j 0.39 0.37 0.37 0.37 0.37
suriyanarayana a j (huf) - - - 0.25 0.25
g mani (huf) 0.05 0.05 0.05 - -
g rajasekaran (huf) 0.05 0.05 0.05 - -
m k venkatesan (huf) 0.05 0.05 0.04 - -
s nirupama 0.02 0.02 0.02 - -
suriyanarayana a j (huf... 0.25 0.25 0.25 - -
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 97.85 97.87 97.87 97.89 97.90
axis max life insurance l... - - - - 1.39
axis mutual fund trustee ... - - - - 2.79
bajaj allianz life insura... - 1.03 1.06 - 1.07
canara robeco mutual fund... - - - - 1.38
edelweiss trusteeship co ... - - - - 1.40
franklin india smaller co... - - - 2.02 1.72
hdfc life insurance compa... 1.42 1.41 1.40 1.27 1.68
hdfc mutual fund (various... 6.37 6.73 7.02 - 7.22
hsbc value fund - - - 4.30 4.30
investor education and pr... 0.14 0.16 0.16 0.16 0.16
llp 0.05 0.06 0.07 0.09 0.07
nippon life india trustee... - - - - 4.07
rekha jhunjhunwala 4.27 4.16 4.16 4.16 4.16
sbi life insurance co. lt... 1.25 1.23 1.23 1.23 1.26
uti-mid cap fund - - - 1.27 1.45
axis max life insurance l... - - - 1.15 -
axis mutual fund trustee ... - - - 2.66 -
bajaj allianz life insura... - - - 1.08 -
edelweiss trusteeship co ... - - - 1.29 -
hdfc mutual fund - hdfc m... - - - 7.15 -
nippon life india trustee... - - - 4.08 -
sbi small cap fund - - - 1.73 -
axis mutual fund (various... 1.13 2.18 2.32 - -
edelweiss small cap fund - - 1.17 - -
franklin india mutual fun... 2.61 2.61 2.61 - -
hsbc mutual fund (various... 4.10 4.09 4.09 - -
nippon life india trustee... 4.03 4.05 4.05 - -
sbi mutual fund (various ... 3.57 3.58 3.36 - -
uti mutual fund (various ... 1.32 1.41 1.46 - -
tata mutual fund (various... 1.37 - - - -

Annual Reports

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Annual Report 2024
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2018
Annual Report 2017
Annual Report 2017

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Concalls & Presentations

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Company News

Karur Vysya Bank Stock Price Analysis and Quick Research Report. Is Karur Vysya Bank an attractive stock to invest in?

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Karur Vysya Bank is performing and if it is the right time to buy the stock of Karur Vysya Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Karur Vysya Bank has earned Rs 9678.0402 Cr. revenue in the latest financial year. Karur Vysya Bank has posted outstanding revenue growth of 20.0930845669236% in last 3 Years.

  • In terms of advances, Karur Vysya Bank reported 14.032% YOY,  rise . If you see 3 years advance growth, it stands at 15.4005434500202%.

  • Currently, Karur Vysya Bank has a CASA ratio of 27.2652%. It’s overall cost of liability stands at 5.2453 %. Also, the total deposits from these accounts stood at Rs 102077.9901 Cr.

  • Karur Vysya Bank has a healthy ROA track record. The ROA of Karur Vysya Bank is at 1.7273%.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA of Karur Vysya Bank stood at 0.76% and 0.2% respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -14.7266850328047% which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Karur Vysya Bank surged and is currently at Rs 1829.5522 Cr.

  • Karur Vysya Bank has a Good Capital Adequacy Ratio of 18.17 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Karur Vysya Bank is trading at a P/B of 1.6237 . The historical average PB was 0.9954.

One can find all the Financial Ratios of Karur Vysya Bank in Ticker for free. Also, one can get the intrinsic value of Karur Vysya Bank by using Valuation Calculators, which are available with a Finology ONE subscription. 

Karur Vysya Bank FAQs

Q1. What is Karur Vysya Bank share price today?
Ans: The current share price of Karur Vysya Bank is Rs 209.61.

Q2. What is the market capitalisation of Karur Vysya Bank?
Ans: Karur Vysya Bank has a market capitalisation of Rs 20254.049505855 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of Karur Vysya Bank?
Ans: The PE ratio of Karur Vysya Bank is 10.1046085615118 and the P/B ratio of Karur Vysya Bank is 1.62303044662955, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of Karur Vysya Bank share?
Ans: The 52-week high share price of Karur Vysya Bank is Rs 231.25, and the 52-week low share price of Karur Vysya Bank is Rs 154.625.

Q5. Does Karur Vysya Bank pay dividends?
Ans: Currently, Karur Vysya Bank pays dividends. Dividend yield of Karur Vysya Bank is around 1.0342%.

Q6. What are the face value and book value of Karur Vysya Bank shares?
Ans: The face value of Karur Vysya Bank shares is Rs 2, while the book value per share of Karur Vysya Bank is around Rs 129.1473. Face value is the nominal value set by the company, whereas book value reflects its accounting worth.

Q7. What are the ROE and ROCE of Karur Vysya Bank?
Ans: The ROE of Karur Vysya Bank is 17.6823% and ROCE of Karur Vysya Bank is 21.5993%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is Karur Vysya Bank a good buy for the long term?
Ans: The Karur Vysya Bank long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is Karur Vysya Bank undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the Karur Vysya Bank appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check Karur Vysya Bank’s financials?
Ans: You can review Karur Vysya Bank’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

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Brief about Karur Vysya Bank
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