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Karur Vysya Bank Ltd. engages in the provision of delivering banking solutions with leveraging its customer-centric approach. The company is headquartered in Karur, Tamil Nadu and currently employs 7,402 full-time employees. The Bank is engaged in providing a range of banking and financial services, including commercial banking and treasury operations. The Bank's segments include Treasury, Corporate/ Wholesale banking, Retail banking and Other banking operations. The Treasury segment includes investments in central and state government securities, debt instruments of bank, certificate of deposits, equity shares, mutual funds and security receipts, among others. The Corporate/ Wholesale banking segment includes credit facilities and other banking services provided to corporate and other clients. The Retail banking segment consists of lending and other banking services to individuals/small business customers, other than corporate/ wholesale banking customers. The Other banking operations segment includes para-banking activities like bancassurance, third party product distribution, demat services and other banking transactions.
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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹4,939 Cr on total income of ₹15,043 Cr.
Cost-to-income ratio at 42.0%. Provision coverage at 5.0% of income.
“Gross net NPA is expected to be less than 1.”
“R whole year expected to be above 1.”
“NIM for the full year will be in the range of 3.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 17.8%▲ | 11.5% |
| Net Margin | 16.7%▲ | 12.1% |
| EBITDA Margin | 71.9%▲ | 67.3% |
| Debt To Equity | 8.20x▲ | 8.01x |
| NIM | 5.0%▼ | 390.0% |
| Cost To Income | 42.0% | - |
| Credit Deposit Ratio | 84.90x | 83.00x |
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2020 | FY2019 | FY2019 | FY2018 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹9,111 Cr +13.8% | ₹8,008 Cr +17.0% | ₹6,842 Cr +46.7% | ₹4,665 Cr +32.5% | ₹3,521 Cr +48.6% | ₹2,369 Cr -31.0% | ₹3,435 Cr +49.8% | ₹2,293 Cr |
| Income on Investments | ₹1,884 Cr +16.1% | ₹1,622 Cr +21.9% | ₹1,331 Cr +15.8% | ₹1,150 Cr +31.5% | ₹874 Cr +50.1% | ₹582 Cr -33.0% | ₹869 Cr +50.7% | ₹577 Cr |
| ₹2,084 Cr +13.9% | ₹1,830 Cr +10.3% | ₹1,659 Cr +43.7% | ₹1,155 Cr +43.0% | ₹808 Cr +47.5% | ₹548 Cr -20.7% | ₹690 Cr +60.4% | ₹430 Cr | |
| Total Income | ₹13,159 Cr +14.3% | ₹11,508 Cr +16.7% | ₹9,863 Cr +38.0% | ₹7,145 Cr +33.8% | ₹5,341 Cr +49.3% | ₹3,578 Cr -28.9% | ₹5,033 Cr +51.1% | ₹3,330 Cr |
| Interest Expended | ₹6,136 Cr +13.2% | ₹5,418 Cr +23.3% | ₹4,395 Cr +20.7% | ₹3,642 Cr +31.2% | ₹2,776 Cr +50.1% | ₹1,850 Cr -28.8% | ₹2,599 Cr +49.6% | ₹1,737 Cr |
| Employee Cost | ₹1,434 Cr -1.0% | ₹1,449 Cr -0.8% | ₹1,461 Cr +70.6% | ₹857 Cr +33.4% | ₹642 Cr +54.1% | ₹417 Cr -24.1% | ₹549 Cr +56.3% | ₹351 Cr |
| Other Operating Expenses | ₹1,514 Cr +6.0% | ₹1,428 Cr +21.2% | ₹1,178 Cr +33.1% | ₹885 Cr +33.7% | ₹662 Cr +52.2% | ₹435 Cr -32.0% | ₹639 Cr +51.8% | ₹421 Cr |
| Provisions & Contingencies | ₹755 Cr +21.5% | ₹622 Cr -14.7% | ₹729 Cr -51.0% | ₹1,489 Cr +40.5% | ₹1,059 Cr +52.4% | ₹695 Cr -32.9% | ₹1,036 Cr +63.0% | ₹636 Cr |
| Total Expenditure | ₹9,084 Cr +9.5% | ₹8,295 Cr +17.9% | ₹7,033 Cr +30.6% | ₹5,384 Cr +31.9% | ₹4,080 Cr +51.1% | ₹2,701 Cr -28.7% | ₹3,787 Cr +50.9% | ₹2,509 Cr |
| Profit Before Tax | ₹3,320 Cr +28.2% | ₹2,591 Cr +23.4% | ₹2,100 Cr +671.6% | ₹272 Cr +35.0% | ₹202 Cr +11.3% | ₹181 Cr -13.7% | ₹210 Cr +13.3% | ₹185 Cr |
| Tax | ₹810 Cr +24.7% | ₹649 Cr +31.0% | ₹495 Cr | ₹37 Cr -26.1% | ₹50 Cr +12.0% | ₹45 Cr -23.8% | ₹59 Cr +6.1% | ₹56 Cr |
| Net Profit | ₹2,510 Cr +29.3% | ₹1,942 Cr +21.0% | ₹1,605 Cr +582.8% | ₹235 Cr +55.3% | ₹151 Cr +11.1% | ₹136 Cr -9.7% | ₹151 Cr +16.4% | ₹130 Cr |
| EPS | ₹25.97 | ₹20.10 | ₹16.63 | ₹2.45 | ₹1.58 | ₹1.42 | ₹1.57 | ₹1.35 |
| Diluted Shares | ₹97 Cr | ₹97 Cr | ₹97 Cr | ₹96 Cr | ₹96 Cr | ₹96 Cr | ₹96 Cr | ₹96 Cr |
| Other Interest | ₹40 Cr +43.8% | ₹28 Cr +207.2% | ₹9 Cr -73.8% | ₹35 Cr +27.0% | ₹27 Cr +457.7% | ₹5 Cr -52.9% | ₹10 Cr +46.9% | ₹7 Cr |
| Non Performing Assets | ₹186 Cr +12.0% | ₹166 Cr -44.2% | ₹298 Cr -83.5% | ₹1,809 Cr -7.0% | ₹1,946 Cr -8.2% | ₹2,118 Cr -7.7% | ₹2,296 Cr +11.9% | ₹2,052 Cr |
| Gross Non Performing Assets | ₹744 Cr +15.9% | ₹642 Cr -38.4% | ₹1,042 Cr -75.3% | ₹4,213 Cr -4.8% | ₹4,424 Cr +0.8% | ₹4,391 Cr +8.3% | ₹4,056 Cr +9.4% | ₹3,707 Cr |
| Interest (RBI & Others) | ₹39 Cr +94.3% | ₹20 Cr -8.8% | ₹22 Cr -84.3% | ₹141 Cr +26.3% | ₹111 Cr +50.4% | ₹74 Cr +166.3% | ₹28 Cr +24.6% | ₹22 Cr |
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Karur Vysya Bank Limited has informed the Exchange about Transcript
Karur Vysya Bank Limited has informed the Exchange about change in Management - Intimation on charge taking by Shri Ravikumar Sadhana, Chief General Manager - Head - Corporate & Commercial Banking
Karur Vysya Bank Limited has informed the Exchange about Copy of Newspaper Publication
Karur Vysya Bank Limited has informed the Exchange about Link of Recording
Karur Vysya Bank Limited has informed the Exchange about change in Management
Karur Vysya Bank Limited has informed the Exchange regarding Outcome of Board Meeting held on July 20, 2026.
Karur Vysya Bank Limited has informed the Exchange regarding a press release dated July 20, 2026, titled "Karur Vysya Bank announces Financial Results for the quarter ended 30th June 2026.".
Karur Vysya Bank Limited has informed the Exchange about Investor Presentation
Karur Vysya Bank Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
Karur Vysya Bank Limited has informed the Exchange regarding 'Revision in Marginal Cost of Funds Based Lending Rates'.
Karur Vysya Bank Limited has informed the Exchange about Copy of Newspaper Publication
Karur Vysya Bank Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on August 05, 2026
Karur Vysya Bank Limited has informed the Exchange about Business Responsibility and Sustainability Report.
Karur Vysya Bank Limited has informed the Exchange about Schedule of meet
Karur Vysya Bank Limited has informed the Exchange about Copy of Newspaper Publication