KARURVYSYA · NSE · Private Sector Bank
Karur Vysya Bank Ltd
What the numbers mean, from its filings and the exchange. Data as of 12 Oct 2026.
Small Cap · AMFI list Jan-Jun 2026 · Vendor sector: Financial Services
fair
low confidence
No valuation within 120 days; P/E 12.0 vs peers 16.8 (6th of 13); P/B 2.0 vs peers 1.1 (12th of 12).
Statements through FY2026Prices adjusted for corporate actionsNot yet reviewed by the adversarial model
What is Karur Vysya Bank's share price today?
Karur Vysya Bank last traded at ₹342.30 on the NSE, as of 12 Oct 2026, 11:00 pm IST, up 0.7% on the day, up 50.4% over a year. Its 52-week range is ₹219 to ₹359. The live price is in the app.
₹342.30
+0.7% today
+50.4% over 1 year · NSE, as of 12 Oct 2026, 11:00 pm IST
60 month-end closes, 31 Oct 2021 to 30 Sep 2026, adjusted for splits and bonuses
52-week range88% of the way up
Low ₹219High ₹359
What is Karur Vysya Bank's market cap?
Karur Vysya Bank's market capitalisation is about ₹32,853 crore: what it would cost to buy every share at today's price. That makes it the 22nd largest small cap company we cover.
₹32,853 Cr
Small Cap22nd largest small cap company
Share price₹342.30
×
Shares in issue96 crore
=
Market cap₹32,853 Cr
Small Cap means the companies ranked 251 and below by size, under SEBI's rules. Shares in issue are worked out from the market cap and the price. What market cap tells you →
Key facts
From the exchange
- Symbol
- NSE: KARURVYSYA
- ISIN
- INE036D01028
- Cap bucket
- Small Cap, 22nd largest by market cap
- Industry (NSE)
- Financial Services › Banks › Private Sector Bank
- Listed since
- 2000
- Futures and options
- Not traded
Is Karur Vysya Bank overvalued?
Fair, with low confidence: no valuation within 120 days; P/E 12.0 vs peers 16.8 (6th of 13); P/B 2.0 vs peers 1.1 (12th of 12).
Valuation
Latest price and trailing 12 months
P/E
11.97
vs peers 16.8 · 6th of 13
Price divided by last year's earnings per share: how many years of today's profit you pay for. Learn more →
P/B
1.98
vs peers 1.1 · 12th of 12
Price divided by book value per share: what you pay for each rupee of net assets on the balance sheet. Learn more →
Market cap
₹32,853 Cr
Total market value of all shares, in ₹ crore. Learn more →
Dividend yield
Not available
Last year's dividends as a share of today's price. Learn more →
PEG (vendor)
1.57
vs peers 6.9 · 3rd of 11
P/E divided by the vendor's earnings growth figure, which it does not disclose; a P/E adjusted for how fast profits grow. Learn more →
PEG on our 3-year EPS growth
0.34
P/E divided by the 3-year EPS growth rate from the stored accounts. Learn more →
Is Karur Vysya Bank a quality business?
Quality score 75, 2nd of 13 in its peer set; WATCH on 21 of 22 lender flags judged.
Quality and risk
Data as of 12 Oct 2026
Business quality
Not available
The kind of business, which sets the yardstick it is judged by. Learn more →
Quality score
75
vs peers 46.9 · 2nd of 13
Returns, margins, leverage and consistency against its peers, out of 100. Learn more →
Risk level
WATCH
21 of 22 lender flags judged
From flags on debt, earnings quality, dilution and price swings. Learn more →
Lender scorecard
Statements through FY2026 (Mar-26)
Basis: standalone accounts, FY2026 (Mar-26) against FY2025; NSE/BSE XBRL, the Q4 results filing; NIM is interest earned less expended over average advances and investments; cost to income is operating expenses over net interest income plus other income; credit cost is FY2026 provisions over average advances; ROA over average total assets; ROE over average equity; GNPA, NNPA, provision coverage, CET1 from the Jun-26 quarter filing
Net interest margin
4.2%
vs peers 3.8% · 4th of 13
What a lender earns on its loans and investments less what it pays for deposits and borrowings, as a share of the assets that earn interest (or of all assets where the split is not filed). Learn more →
Gross NPA
0.7%
vs peers 1.6% · 2nd of 13
Loans on which repayment has stopped, as a share of all loans, before any provision against them; from the latest results filing. Learn more →
Net NPA
0.2%
vs peers 0.4% · 4th of 13
Bad loans after the provisions already set aside against them, as a share of loans. Learn more →
Provision coverage
74.6%
How much of the gross bad loans has already been provided for. Learn more →
Credit cost
0.8%
vs peers 0.5% · 9th of 13
The year's provisions for bad loans as a share of the average loan book. Learn more →
Cost to income
42.0%
vs peers 56.4% · 1st of 13
Operating expenses (staff, branches, technology) over net interest income plus other income. Learn more →
Return on assets
2.0%
vs peers 1.1% · 2nd of 13
Profit as a share of average total assets. Learn more →
CET1 ratio
18.0%
Common equity tier 1 capital, the hardest kind, against risk-weighted assets; from the latest results filing. Learn more →
Loan growth YoY
16.9%
vs peers 16.0% · 6th of 13
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth YoY
13.3%
vs peers 12.0% · 6th of 13
Growth in deposits over the latest fiscal year. Learn more →
CASA ratio
Not available
Current and savings account balances as a share of all deposits. Learn more →
Inside the app
Get a sneak peek of Valarth
Has Karur Vysya Bank made money for shareholders?
Yes: +50.4% over one year and +52.1% a year over five years.
Shareholder returns
5-year return
+52.1% a year
Price only
Yearly average price return over five years, bonuses and splits adjusted. Learn more →
Wealth destroyer
No
Five-year total return — price CAGR on bonus- and split-adjusted closes plus the dividend yield — below the 7% a bank fixed deposit paid. Learn more →
Returns
3Y and 5Y are yearly averages
1W
+4.7%1M
+4.8%3M
+10.2%6M
+21.2%1Y
+50.4%3Y
+39.7%5Y
+52.1%Does Karur Vysya Bank pay a dividend?
Karur Vysya Bank last paid ₹2.60 a share, ex-dividend 24 Jul 2026; nothing in the past 12 months counts toward a yield.
Dividends
Per share, by ex-dividend date
24 Jul 2026 · Final₹2.60
7 Aug 2025 · Final₹2.17
1 Aug 2024 · Final₹2.00
7 Aug 2023 · Final₹1.67
19 Jul 2022 · Final₹1.33
Payout ratio🔒 In the app
The share of profit paid out as dividends; a very high share leaves little to reinvest.
Dividend growth, 5 years🔒 In the app
How fast the dividend per share has grown a year.
Years without a miss🔒 In the app
How many years in a row a dividend has been paid.
Is Karur Vysya Bank growing?
Loan growth 16.9%; deposit growth 13.3%; revenue 3 years 19.7% a year.
Growth
Statements through FY2026 (Mar-26)
Loan growth
16.9%
vs peers 16.0% · 6th of 13
Growth in the loan book over the latest fiscal year. Learn more →
Deposit growth
13.3%
vs peers 12.0% · 6th of 13
Growth in deposits over the latest fiscal year. Learn more →
Revenue 3 years
19.7% a year
vs peers 12.3% · 2nd of 13
Compound annual growth of revenue over three years. Learn more →
EPS 3 years
35.0% a year
Growth in earnings per share, so dilution counts against the company. Learn more →
Revenue 5 years
16.5% a year
Compound annual growth of revenue over five years. Learn more →
EPS 5 years
49.9% a year
Growth in earnings per share over five years, so dilution counts against the company. Learn more →
How did Karur Vysya Bank do last quarter?
Karur Vysya Bank reported income of ₹3,491 Cr, up 14.3% on a year earlier in the Jun 2026 quarter.
Latest quarter
Jun 2026
Income, latest quarter₹3,491 Cr
+14.3% on a year earlier
What the company took in over the quarter.
How does Karur Vysya Bank compare with its peers?
Compared with 12 Private Sector Bank; 6th of 13 on P/E; 2nd of 13 on quality score.
Compared with 12 Private Sector Bank
12 companies
- Karur Vysya Bank Ltd (this page)
- IDBI Bank Ltd
- Federal Bank Ltd
- IDFC First Bank Ltd
- IndusInd Bank Ltd
- RBL Bank Ltd
- Yes Bank Ltd
- Bandhan Bank Ltd
- City Union Bank Ltd
- Jammu and Kashmir Bank Ltd
- Tamilnad Mercantile Bank Ltd
- South Indian Bank Ltd
- Karnataka Bank Ltd
Karur Vysya Bank against its peers
Largest 10 of 12 peers, by market cap
CompanyMarket capP/EP/BROE1YQuality 🔒Rank 🔒
Karur Vysya Bank Ltd₹32,853 Cr12.02.019.3%+50.4%
Jammu and Kashmir Bank Ltd₹15,222 Cr6.60.816.7%+30.1%
Tamilnad Mercantile Bank Ltd₹13,853 Cr9.60.914.0%+101.2%
Peer median—16.81.111.1%+35.9%
Market cap in rupees crore; P/E and P/B on the latest price; 1Y is the price return over a year. A dash is a figure that does not apply or is not reported.
Who owns Karur Vysya Bank?
Karur Vysya Bank is held by promoters 2.1%, foreign institutions 17.9%, domestic institutions 41.2%.
Shareholding pattern
Latest filing, percent of shares
Promoters2.1%
The founders and controlling group.
Foreign institutions17.9%
Overseas funds investing through the FPI route.
Domestic institutions41.2%
Indian insurers, banks, pension and mutual funds together.
Mutual funds32.4%
Indian mutual fund schemes; part of domestic institutions.
Retail and others20.6%
Individual investors and everyone else.
Promoter shares pledged🔒 In the app
Promoter shares given as collateral for loans; a high share is a risk to watch.
Holding trend🔒 In the app
Whether promoters, foreign funds and mutual funds have been adding or selling over recent quarters.
What do analysts say about Karur Vysya Bank?
18 analysts cover Karur Vysya Bank, and the consensus is buy. A consensus is a count of opinions, not a forecast; read it beside the numbers.
Analyst consensus
18 analysts
ConsensusBuy
The rating most covering analysts give the share.
Average target price🔒 In the app
The mean of the analysts' 12-month price targets.
Upside to target🔒 In the app
How far the target sits above or below today's price.
Share rating it a buy🔒 In the app
The share of covering analysts with a buy rating.
What does Karur Vysya Bank do and what is it sensitive to?
Karur Vysya Bank (KVB) provides retail, commercial, corporate and treasury banking services to individuals, businesses and institutions through 888 branches across 22 states and union territories. Sensitive to: net interest margin.
Business-model card
FY2025 · 45 verified
4Revenue
4Channels
4Regulators
4Reg. dependencies
5Sensitivities
4Costs
3Geographies
Karur Vysya Bank (KVB) provides retail, commercial, corporate and treasury banking services to individuals, businesses and institutions through 888 branches across 22 states and union territories. Per the segment note it earns through interest and fees on lending, treasury investments and para-banking services, and its largest interest cost is interest on deposits.
Revenue by segment
2026-03-31
Retail Banking62.6%
Corporate/Wholesale Banking19.6%
Treasury16.2%
Other Banking Operations1.7%
Revenue engine
4 verified
Retail Banking (62.6%)
Lending and banking services to individuals and small businesses; revenue is interest and fees from these clients. Retail is sub-divided into Digital Banking and Other Retail Banking.
Corporate/Wholesale Banking (19.6%)
Advances to trusts, partnership firms, companies and statutory bodies not included under Retail Banking; revenue is interest and fees from these clients.
Treasury (16.2%)
Investments in government and corporate debt, equities, mutual funds, derivatives and forex on proprietary and customer account; income comes from interest on investments, forex and securities trading.
1 more statement
Other Banking Operations
Para-banking activities such as bancassurance, third-party product distribution and demat services, plus items such as RIDF and MSME Funds deposits.
Customers & channels
4 verified
Resident Indian individuals
Individuals residing in India seeking financial and investment services, among the customer categories the filing lists.
MSMEs and small businesses
Interpretation: the Bank uses its branch presence and digital lending to serve micro, small and medium enterprises.
Digital channels
Digital transactions are the stated majority channel by transaction count; the DLite app is the flagship digital channel named in the filing.
1 more statement
Existing customers (ETB)
Pre-approved loans are offered to existing-to-bank borrowers with a good repayment track, a cross-sell route into the existing base.
Regulators
4 verified
Reserve Bank of India (RBI)
Authorises the Bank's customer categories and its gold and silver import activity; sets operational risk capital method.
Reserve Bank of India (RBI) - capital method
The RBI mandate fixes the operational risk capital method used by the Bank.
Financial Intelligence Unit - India (FIU-IND)
Sets compliance standards that drive restrictions on high-risk PIN codes in digital onboarding.
1 more statement
SIDBI
Runs the MSE-GIFT and MSESPICE schemes under which the Bank is enrolled as a Participating Lending Institution.
Regulatory dependencies
4 verified
Basic Indicator Approach for operational risk capital
Interpretation: operational risk capital is computed under the BIA method, so changes in gross income would move this capital charge. The excerpt gives capital of Rs. 9,131 million at 31.03.2025.
Priority Sector Lending weightage by district
Interpretation: a 125% weightage on incremental PSL in low per-capita districts and 90% in high per-capita districts changes the capital and lending mix credit for PSL loans in those districts.
Credit Guarantee Fund expansion for MSMEs
Interpretation: a larger guaranteed cover for MSME loans may increase demand for MSME lending, which the Bank pursues.
1 more statement
Gold and silver import authorisation
Imports are made on consignment and sales are covered back-to-back, so the authorisation sets the mechanism through which precious-metal business is run.
Sensitivities
5 verified
Net interest margin
NII and NIM depend on interest rate movements, and gaps in repricing dates expose NII to rate risk.
Credit cost and borrower defaults
If borrowers cannot repay on schedule, loan defaults rise, reducing profitability and straining capital reserves.
Liquidity
Liquidity risk can hinder the ability to meet depositor demands, with a negative impact on reputation.
2 more statements
Foreign exchange
Forwards and forex swaps hedge currency and interest rate risk on the foreign currency balance sheet and customer cover.
Rural incomes and agricultural output
Interpretation: stronger rural incomes and agricultural output support rural demand, which the Bank's agri and rural lending depends on.
Cost inputs
4 verified
Payments to and provisions for employees
Employee cost is an operating expense line; it is reported at Rs. 1449 21 42 thousand in 2024-25 in the schedule.
Interest on deposits
Interest paid on deposit liabilities is the first line of interest expended in the schedule.
Technology spend
Technology investment is cited as a continuing spend, and the filing names third-party tech partners as a dependency.
1 more statement
Rent, taxes and lighting
Premises-related operating expense for the branch network, reported in Schedule 16.
Geographies
3 verified
India, 22 states and UTs
Domestic operations only, with 888 branches across 22 states (19 states and 3 union territories).
South and West markets
The filing names regional concentration in South and West markets as a weakness and plans digital and partner channels to reach beyond them.
India only
No overseas operations; segment reporting is domestic only.
Each statement is checked word for word against the FY2025 annual report; the passages are in the app.
What changed recently?
Q1 FY2027 results filed (20 Jul 2026).
Change log
6 entries · newest first
- Results filedQ1 FY2027 results filed.
- Results filedQ4 FY2026 results filed.
- Results filedQ3 FY2026 results filed.
- Results filedQ2 FY2026 results filed.
- Results filedQ1 FY2026 results filed.
- Results filedQ4 FY2025 results filed.
Get alerts →Sign in to be told when any of these change.
What this page does not tell you
What could not be judged, and why. Never empty.
- Models not runFair value, EPV, Graham number, Graham value, Lynch, Owner earnings: no valuation stored.
- FlagsWATCH on 21 of 22 lender flags judged; 1 red; 1 could not be judged.
- Data gapsDividend yield, Business quality, CASA ratio: not available yet.
Not applicable to a bank, lender or insurer · 12
- Altman ZAltman Z reads working capital and sales over assets, which a lender's balance sheet does not have.
- Piotroski F-scorePiotroski's leverage and liquidity checks read deposits and borrowings as weakness.
- Beneish M-scoreThe Beneish model reads receivables, margins and depreciation that a lender's accounts do not report.
- Operating marginInterest is a lender's cost of goods, so operating profit before interest is not defined.
- Interest coverageInterest is a lender's main cost, not a charge on operating profit.
- Debt to equityBorrowings and deposits are a lender's raw material; gearing is judged by capital adequacy instead.
- EV/EBITDAEnterprise value adds borrowings to market cap; for a lender borrowings are the business, not a claim on it.
- FCF yieldOperating cash flow less capex is not free cash flow for a lender: loan growth sits in operating cash flow.
- Cash conversion cycleA lender's receivables are its loan book, not invoices waiting to be paid.
- Asset turnoverA lender earns a spread on its assets, not a turnover of them.
- ROCEEBIT over capital employed reads a lender's interest income against its borrowings; return on assets and return on equity are the lender's measures.
- ROCE, 10-year averageEBIT over capital employed reads a lender's interest income against its borrowings; return on assets is the lender's measure (HDFC Bank's 1.7% ten-year ROCE means nothing).
What this page rests on
✓10 years of annual statements, through FY2026 (Mar-26)✓10 quarters of results✓285 months of month-end prices, adjusted for bonuses and splits○no valuation of ours yet✓business-model card FY2025 · 45 verified
Questions people ask
What is Karur Vysya Bank's share price today?
Karur Vysya Bank last traded at ₹342.30 on the NSE, as of 12 Oct 2026, 11:00 pm IST, up 0.7% on the day, up 50.4% over a year. Its 52-week range is ₹219 to ₹359. The live price is in the app.
What is Karur Vysya Bank's market cap?
Karur Vysya Bank's market capitalisation is about ₹32,853 crore: what it would cost to buy every share at today's price. That makes it the 22nd largest small cap company we cover.
Is Karur Vysya Bank Ltd a large cap, mid cap or small cap?
Karur Vysya Bank Ltd (KARURVYSYA) is a small cap company in AMFI's classification for Jan-Jun 2026. SEBI's buckets go by rank on six-month average market capitalisation: the top 100 are large caps, 101 to 250 mid caps, the rest small caps.
What is Karur Vysya Bank Ltd's P/E ratio?
11.97, vs peers 16.8 · 6th of 13. Price divided by last year's earnings per share: how many years of today's profit you pay for.
Is Karur Vysya Bank Ltd overvalued?
Fair, with low confidence: no valuation within 120 days; P/E 12.0 vs peers 16.8 (6th of 13); P/B 2.0 vs peers 1.1 (12th of 12).
How does Karur Vysya Bank Ltd make money?
Karur Vysya Bank (KVB) provides retail, commercial, corporate and treasury banking services to individuals, businesses and institutions through 888 branches across 22 states and union territories. Per the segment note it earns through interest and fees on lending, treasury investments and para-banking services, and its largest interest cost is interest on deposits.
Why is there no Altman Z or debt to equity for Karur Vysya Bank?
Borrowing is a bank's or lender's raw material, so those ratios mislead. Net interest margin, gross NPA, return on assets and the capital ratios are shown instead.
Who are Karur Vysya Bank Ltd's peers?
Compared with 12 Private Sector Bank: IDBI Bank Ltd, Federal Bank Ltd, IDFC First Bank Ltd, IndusInd Bank Ltd, RBL Bank Ltd and 7 more. The app shows how they compare on every figure.
Is this investment advice?
No. Valarth is a research and learning tool and is not a SEBI-registered investment adviser or research analyst. The figures come from the company's filings and the exchanges; what to do with them is your call.
How did Karur Vysya Bank do last quarter?
Karur Vysya Bank reported income of ₹3,491 Cr, up 14.3% on a year earlier in the Jun 2026 quarter.
Who owns Karur Vysya Bank?
Karur Vysya Bank is held by promoters 2.1%, foreign institutions 17.9%, domestic institutions 41.2%.
Does Karur Vysya Bank pay a dividend?
Karur Vysya Bank last paid ₹2.60 a share, ex-dividend 24 Jul 2026; nothing in the past 12 months counts toward a yield.
What do analysts say about Karur Vysya Bank?
18 analysts cover Karur Vysya Bank, and the consensus is buy. A consensus is a count of opinions, not a forecast; read it beside the numbers.