Karur Vysya Bank Ltd.
NSE: KARURVYSYA · Private Sector Bank
Snapshot
Unlock Karur Vysya Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Karur Vysya Bank Limited is an Indian private sector bank providing a comprehensive suite of financial services to personal, corporate, and agricultural customers. Its operations are organised into Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments.
Business Model
The bank generates revenue primarily through net interest income from loans and advances, alongside fee-based income from banking services, insurance distribution, and transaction processing. It maintains a widespread physical presence through an extensive network of branches, ATMs, and self-service kiosks to facilitate customer deposits and credit delivery.
- Branches:822
- ATMs:1,639
- Bunch Note Recyclers:584
Growth Outlook
Growth is driven by the expansion of digital banking products and the continued penetration of credit services into the MSME and agricultural sectors. The bank focuses on leveraging its established branch network to increase its retail deposit base and loan book.
Key Risks
- Asset Quality Risk. The bank faces potential credit risk from its exposure to MSME and agricultural loans, which may be sensitive to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the valuation of its investment portfolio.
- Regulatory and Compliance Risk. As a private sector bank, it is subject to stringent oversight by the Reserve Bank of India, where policy changes could impact operational flexibility.
- Cybersecurity Risk. Increasing reliance on digital and mobile banking platforms exposes the institution to potential data breaches and cyber-attacks.
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Key Metrics
NET PROFIT
₹2,745 Cr
TTM · standalone
EPS
₹28.40
TTM · standalone
P/E
12.3x
Q1 FY27 · standalone
Peers · Private Sector Bank
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Karur Vysya Bank Ltd.KARURVYSYA | ₹33,716 Cr | 12.28 | — | — | — | 17.6% | — | +71.9% |
Bandhan Bank Ltd.BANDHANBNK | ₹26,574 Cr | 19.64 | — | — | — | 5.3% | — | +1.5% |
City Union Bank Ltd.CUB | ₹23,384 Cr | 13.40 | — | — | — | 13.7% | — | +21.6% |
The Jammu & Kashmir Bank LimitedJ&KBANK | ₹16,520 Cr | 7.17 | — | 7.0% | — | 14.8% | — | +49.8% |
Tamilnad Mercantile Bank LimitedTMB | ₹14,765 Cr | 10.22 | — | — | — | — | — | +119.1% |
The Karnataka Bank LimitedKTKBANK | ₹12,863 Cr | 8.95 | — | — | — | 11.4% | — | +93.8% |
As of Q3 FY26
Financials
Karur Vysya Bank Ltd.
NSE: KARURVYSYA · Private Sector Bank
Snapshot
Unlock Karur Vysya Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Karur Vysya Bank Limited is an Indian private sector bank providing a comprehensive suite of financial services to personal, corporate, and agricultural customers. Its operations are organised into Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments.
Business Model
The bank generates revenue primarily through net interest income from loans and advances, alongside fee-based income from banking services, insurance distribution, and transaction processing. It maintains a widespread physical presence through an extensive network of branches, ATMs, and self-service kiosks to facilitate customer deposits and credit delivery.
- Branches:822
- ATMs:1,639
- Bunch Note Recyclers:584
Growth Outlook
Growth is driven by the expansion of digital banking products and the continued penetration of credit services into the MSME and agricultural sectors. The bank focuses on leveraging its established branch network to increase its retail deposit base and loan book.
Key Risks
- Asset Quality Risk. The bank faces potential credit risk from its exposure to MSME and agricultural loans, which may be sensitive to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the valuation of its investment portfolio.
- Regulatory and Compliance Risk. As a private sector bank, it is subject to stringent oversight by the Reserve Bank of India, where policy changes could impact operational flexibility.
- Cybersecurity Risk. Increasing reliance on digital and mobile banking platforms exposes the institution to potential data breaches and cyber-attacks.
Start your research today
Unlock AI insights, financials, peers and live data on Karur Vysya Bank Ltd. and 5,000+ companies — free.
Key Metrics
NET PROFIT
₹2,745 Cr
TTM · standalone
EPS
₹28.40
TTM · standalone
P/E
12.3x
Q1 FY27 · standalone
Peers · Private Sector Bank
As of Q3 FY26