KARURVYSYA
Karur Vysya Bank Limited (KARURVYSYA) Stock Analysis
Karur Vysya Bank Limited is a private-sector bank headquartered in Tamil Nadu with strength in retail and gold loans. It serves SMEs and agriculture in South India while expanding digitally. The bank is known for conservative banking culture. It is a listed private bank.
Financial Services › Banks - Regional
₹348.60
+7.20% 1W | +53.70% 52W
Market Cap
33.7k CR
P/E Ratio
12.4
52W High
₹358.6
52W Low
₹220.2
Div. Yield
0.76%
Beta
-0.1
50 DMA
₹335
200 DMA
₹305.6
Profit Margin
41.3%
Inst. Own.
42.4%
🔥 APPROACHING RESISTANCE
🔥 APPROACHING RESISTANCE
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,883 | 1,997 | 2,139 | 2,187 | 2,285 | 2,387 | 2,489 | 2,516 | 2,569 | 2,808 | 2,794 | 2,904 | 3,049 |
| Interest | 986 | 1,082 | 1,138 | 1,189 | 1,260 | 1,324 | 1,407 | 1,427 | 1,489 | 1,547 | 1,555 | 1,545 | 1,627 |
| Expenses | 741 | 743 | 833 | 1,051 | 800 | 896 | 878 | 925 | 839 | 1,030 | 848 | 985 | 859 |
| Financing Profit | 156 | 173 | 168 | -53 | 225 | 167 | 203 | 164 | 240 | 231 | 392 | 373 | 564 |
| Financing Margin % | 8% | 9% | 8% | -2% | 10% | 7% | 8% | 7% | 9% | 8% | 14% | 13% | 18% |
| Other Income | 333 | 339 | 358 | 626 | 388 | 469 | 465 | 509 | 447 | 512 | 509 | 616 | 442 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 489 | 512 | 526 | 574 | 613 | 636 | 668 | 674 | 687 | 743 | 901 | 989 | 1,005 |
| Tax % | 27% | 26% | 22% | 20% | 25% | 26% | 26% | 24% | 24% | 23% | 23% | 27% | 25% |
| Net Profit | 359 | 378 | 412 | 456 | 459 | 474 | 496 | 513 | 521 | 574 | 690 | 725 | 756 |
| EPS in Rs | 3.72 | 3.93 | 4.27 | 4.73 | 4.75 | 4.90 | 5.14 | 5.31 | 5.40 | 5.94 | 7.14 | 7.50 | 7.82 |
| Gross NPA % | 1.99% | 1.73% | 1.58% | 1.40% | 1.32% | 1.10% | 0.83% | 0.76% | 0.66% | 0.76% | 0.71% | 0.75% | 0.74% |
| Net NPA % | 0.59% | 0.47% | 0.42% | 0.40% | 0.38% | 0.28% | 0.20% | 0.20% | 0.19% | 0.19% | 0.19% | 0.19% | 0.19% |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5,396 | 5,443 | 5,622 | 5,700 | 5,816 | 5,990 | 5,470 | 5,588 | 6,517 | 8,213 | 9,678 | 11,074 | 11,555 |
| Interest | 3,930 | 3,662 | 3,549 | 3,402 | 3,453 | 3,642 | 3,111 | 2,872 | 3,168 | 4,395 | 5,418 | 6,136 | 6,273 |
| Expenses | 1,503 | 1,494 | 1,887 | 2,609 | 2,902 | 3,112 | 2,620 | 2,434 | 2,965 | 3,267 | 3,385 | 3,576 | 3,723 |
| Financing Profit | -37 | 288 | 187 | -311 | -539 | -764 | -260 | 281 | 384 | 551 | 875 | 1,363 | 1,559 |
| Financing Margin % | -1% | 5% | 3% | -5% | -9% | -13% | -5% | 5% | 6% | 7% | 9% | 12% | 13% |
| Other Income | 590 | 707 | 782 | 900 | 963 | 1,155 | 919 | 769 | 1,159 | 1,649 | 1,830 | 2,084 | 2,079 |
| Depreciation | 81 | 83 | 86 | 85 | 101 | 119 | 124 | 119 | 106 | 100 | 114 | 127 | 0 |
| Profit before tax | 471 | 912 | 883 | 504 | 322 | 272 | 534 | 931 | 1,437 | 2,100 | 2,591 | 3,320 | 3,638 |
| Tax % | 2% | 38% | 31% | 31% | 35% | 14% | 33% | 28% | 23% | 24% | 25% | 24% | |
| Net Profit | 464 | 568 | 606 | 346 | 211 | 235 | 359 | 673 | 1,106 | 1,605 | 1,942 | 2,510 | 2,745 |
| EPS in Rs | 4.95 | 6.05 | 6.46 | 3.60 | 2.20 | 2.45 | 3.75 | 7.01 | 11.49 | 16.63 | 20.10 | 25.97 | 28.40 |
| Dividend Payout % | 34% | 30% | 26% | 13% | 23% | 0% | 11% | 19% | 14% | 12% | 11% | 10% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 19.0% | 15.0% | 7.0% |
| Profit CAGR | 31.0% | 47.0% | 16.0% |
Shareholding Pattern
Promoters2.10%
FIIs15.41%
DIIs39.47%
Public43.00%
Promoters2.10%
FIIs15.81%
DIIs39.97%
Public42.11%
Promoters2.07%
FIIs16.87%
DIIs40.20%
Public40.84%
Promoters2.07%
FIIs19.25%
DIIs39.26%
Public39.40%
Promoters2.07%
FIIs17.92%
DIIs41.22%
Public38.78%
Promoters2.24%
FIIs17.93%
DIIs30.80%
Public49.02%
Promoters2.20%
FIIs15.38%
DIIs36.22%
Public46.19%
Promoters2.11%
FIIs15.12%
DIIs38.87%
Public43.88%
Promoters2.07%
FIIs19.25%
DIIs39.26%
Public39.40%
Promoters2.07%
FIIs17.92%
DIIs41.22%
Public38.78%
KARURVYSYA
Holdings Analysis
Key strengths & risk signals
83
Overall
76
Fundamental
91
Technical
Risks (1)
TOO MUCH PUBLIC HOLDING! 47.77% public ownership - higher volatility risk.
Strengths (4)
EXCELLENT EFFICIENCY! 41.3% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (335.0) is above 200-day average (305.6) - positive signal.
EXCELLENT YEAR! Stock gained 50.4% in the last year.
BULLISH SENTIMENT! In last 30 days: 13 up days, 16 down days. Avg volume on up days: 2,282,875 vs down days: 1,473,860. Ratio: 1.55x
Fundamental & Technical Analysis
81Overall
76Fundamental
87Technical
Fundamental Breakdown
Growth Quality
28/30
Revenue CAGR: 18.7% (VERY GOOD, 13/15). Profit CAGR: 31.4% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 41.3% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.39 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.76% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.10 - excellent financial health.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 47.77% public ownership - higher volatility risk.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (335.0) is above 200-day average (305.6) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (348.6) is above both moving averages.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
10/10
EXCELLENT YEAR! Stock gained 53.7% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 14 up days, 15 down days. Avg volume on up days: 2,488,236 vs down days: 1,485,298. Ratio: 1.68x
RSI
3/5
BULLISH! RSI at 65.6 - positive momentum.
52W Range
5/5
STRONG! Trading at 92.8% of 52W range - near yearly highs.
Momentum
4/5
GOOD MOMENTUM! Price has grown across all timeframes - up 7.2% (1 week), 4.4% (1 month), 14.2% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of -0.10 - stable stock, less market risk.
KARURVYSYA
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-24 | Concall PDF | |
| Q2FY262026-01-30 | Concall PDF | |
| Q1FY262025-10-24 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| KARURVYSYA | ₹348.60 | 12.4 | 41.3% | 18.7% | 31.4% | +53.7% | 81 | APPROACHING RESISTANCE | +44.9% | +4.2% | +22.1% | -5.6% |
| UCOBANK | ₹23.60 | 10.5 | 21.5% | 7.8% | 14.9% | -24.5% | 63 | CONSOLIDATION | +8.1% | -18.1% | +2.2% | +11.7% |
| BANDHANBNK | ₹172.00 | 20.5 | 13.6% | 5.0% | -17.7% | -3.4% | 56 | BREAKDOWN | +34.9% | -6.1% | +1.2% | -1.2% |
| CENTRALBK | ₹30.40 | 6 | 27.8% | 9.3% | 39.2% | -18.1% | 73 | CONSOLIDATION | +3.2% | +77.4% | -4.9% | -5.1% |
| CUB | ₹234.50 | 16.6 | 37.8% | 9.1% | 12.3% | +44.8% | 77 | CONSOLIDATING UP | +25.1% | +6.4% | +22.4% | -1.2% |
| IOB | ₹30.80 | 10 | 36.6% | 14.2% | 37.1% | -20.8% | 65 | BOUNCE FROM SUPPORT | +45.6% | +10.3% | +38.3% | +22.8% |
| RBLBANK | ₹388.10 | 28 | 11.1% | 12.2% | -1.5% | +43.4% | 53 | BREAKDOWN | +9.3% | -4.2% | +1.0% | -6.0% |
| BANKINDIA | ₹134.30 | 5.2 | 35.0% | 7.3% | 39.0% | +8.2% | 70 | APPROACHING SUPPORT | +80.5% | +7.0% | +14.4% | -5.1% |
Data from TradeAlone · Updated daily
KARURVYSYA News
Karur Vysya Bank Limited (karurvysya) Opens New Branch in Coimbatore2026-09-23Karur Vysya Bank Limited (karurvysya) Opens 16 New Branches in a Single Day2026-08-31Karur Vysya Bank Limited (KARURVYSYA) gains 10% intraday backed by Q1 FY27 robust growth2026-07-21Karur Vysya Bank Limited (KARURVYSYA) gains 9% intraday backed by Q1 FY27 robust growth2026-07-21Karur Vysya Bank Limited (karurvysya) Q1 FY27: Robust Growth and Profitability2026-07-20Karur Vysya Bank Limited (karurvysya) Raises FCNR Deposit Rates, Offers Up to 7.00% P.a. on USD2026-06-12Karur Vysya Bank Limited (karurvysya) Expands Presence in Chennai with New Villivakkam Branch2026-06-04Karur Vysya Bank Limited (karurvysya) Elevates Premium Banking Experience with New Visa Credit Card Portfolio2026-05-29
