Karur Vysya Bank, 590003, KARURVYSYA Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

17,320.28
9.09
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

14,210.71
1.12%
1.50

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

-
-
22.22

EBITDA CAGR (%)

10 Years
5 Years
3 Years

13.42
46.85
33.58

PAT CAGR (%)

10 Years
5 Years
3 Years

0.94
1.22

P:E (Median)

8 Years
5 Years
3 Years

10.65
9.65
9.13

P:BV (Average)

8 Years
5 Years
3 Years

0.92
0.94
1.22

EV:EBITDA (Average)

8 Years
5 Years
3 Years

2.97
2.72
3.51

Quarterly Results

Standalone Figures in Rs. Crores

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var%
Interest Earned 2,486.01 2,139.38 16.20% 2,384.00 1,997.08 19.37% 2,284.53 1,882.91 21.33% 2,184.57 1,768.32 23.54%
Interest Exp. 1,407.22 1,138.09 23.65% 1,324.05 1,081.70 22.40% 1,260.18 985.84 27.83% 1,189.11 875.74 35.78%
Net Interest Income 1,078.79 1,001.29 7.74% 1,059.95 915.38 15.79% 1,024.35 897.07 14.19% 995.46 892.58 11.53%
NIM 4.03 4.32 -6.71% 4.11 4.07 0.98% 4.13 4.19 -1.43% 4.19 4.37 -4.12%
Other Income 467.43 357.79 30.64% 472.01 338.89 39.28% 388.35 333.16 16.57% 628.85 400.81 56.89%
Total Income 2,953.44 2,497.17 18.27% 2,856.01 2,335.97 22.26% 2,672.88 2,216.07 20.61% 2,813.42 2,169.13 29.70%
Operating Exp. 730.95 683.18 6.99% 715.72 616.36 16.12% 666.85 581.81 14.62% 757.40 554.34 36.63%
Operating Profit 815.27 675.90 20.62% 816.24 637.91 27.96% 745.85 648.42 15.03% 866.91 739.05 17.30%
Provision 147.44 149.71 -1.52% 179.83 126.41 42.26% 132.94 159.42 -16.61% 293.41 293.01 0.14%
PBT 667.83 526.19 26.92% 636.41 511.50 24.42% 612.91 489.00 25.34% 573.50 446.04 28.58%
PBTM 26.86 24.60 9.19% 26.70 25.61 4.26% 26.83 25.97 3.31% 26.25 25.22 4.08%
TAX 171.80 114.56 49.97% 162.81 133.05 22.37% 154.26 130.37 18.32% 117.40 108.22 8.48%
PAT 496.03 411.63 20.50% 473.60 378.45 25.14% 458.65 358.63 27.89% 456.10 337.82 35.01%
PATM 19.95% 19.24% 19.87% 18.95% 20.08% 19.05% 20.88% 19.10%
EPS 6.16 5.12 20.31% 5.88 4.71 24.84% 5.70 4.47 27.52% 5.67 4.21 34.68%
Gross NPA 690.92 1,151.86 -40.02% 885.61 1,219.08 -27.35% 1,024.53 1,329.65 -22.95% 1,041.64 1,458.15 -28.56%
Gross NPA% 0.83 1.58 -47.47% 1.10 1.73 -36.42% 1.32 1.99 -33.67% 1.40 2.27 -38.33%
Net NPA 166.69 305.27 -45.40% 219.22 323.63 -32.26% 293.66 390.02 -24.71% 297.97 468.15 -36.35%
Net NPA% 0.20 0.42 -52.38% 0.28 0.47 -40.43% 0.38 0.59 -35.59% 0.40 0.74 -45.95%
CASA 28.41 32.00 -11.22% 29.00 32.00 -9.38% 30.00 33.00 -9.09% 30.00 33.00 -9.09%

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Interest Income 4,158.55 3,809.20 3,348.81 2,715.37 2,359.52 2,347.95 2,362.82 2,298.11 2,073.70 1,781.40 1,465.91 Interest Earned 9,339.11 8,203.94 6,516.55 5,587.67 5,470.43 5,989.99 5,815.82 5,699.65 5,622.35 5,443.43 5,395.88 Interest Expended 5,180.56 4,394.74 3,167.74 2,872.30 3,110.91 3,642.04 3,453.00 3,401.54 3,548.65 3,662.03 3,929.97 Int. income Growth 12.20% 13.75% 23.33% 15.08% 0.49% -0.63% 2.82% 10.82% 16.41% 21.52% Other Income 1,956.64 1,658.69 1,158.94 769.05 918.83 1,154.62 962.77 899.93 782.22 706.78 580.84 Total Income 11,295.75 5,467.89 4,507.75 3,484.42 3,278.35 3,502.57 3,325.59 3,198.04 2,855.92 2,488.18 2,046.75 Total Expenditure 2,870.92 3,267.44 2,965.22 2,434.33 2,619.84 3,111.50 2,902.14 2,609.15 1,886.55 1,493.74 1,502.60 Employee Cost - 1,461.03 1,005.96 945.03 1,153.68 856.65 761.17 639.08 607.96 547.38 547.05 % Of Sales - 17.81% 15.44% 16.91% 21.09% 14.30% 13.09% 11.21% 10.81% 10.06% 10.14% Opt. & Establishment Exp. - 1,277.98 1,131.66 1,028.37 957.30 1,003.95 954.86 866.89 762.88 720.56 637.76 % Of Sales - 15.58% 17.37% 18.40% 17.50% 16.76% 16.42% 15.21% 13.57% 13.24% 11.82% Provisions - 728.95 1,038.92 699.29 757.14 1,488.66 1,388.55 1,273.68 687.49 391.42 480.51 % Of Sales - 8.89% 15.94% 12.51% 13.84% 24.85% 23.88% 22.35% 12.23% 7.19% 8.91% EBITDA 3,244.27 2,200.45 1,542.53 1,050.09 658.51 391.07 423.45 588.89 969.37 994.44 544.15 EBITDA Margin 69.26% 57.77% 46.06% 38.67% 27.91% 16.66% 17.92% 25.62% 46.75% 55.82% 37.12% Depreciation 0.00 100.26 105.66 119.18 124.14 118.88 101.22 85.25 85.89 82.81 81.36 PBT 2,490.65 2,100.19 1,436.86 930.92 534.37 272.18 322.23 503.64 883.47 911.63 462.78 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 606.27 495.38 330.77 257.65 174.98 37.16 111.36 157.97 277.49 344.00 7.17 Tax Rate 24.34% 23.59% 23.02% 27.68% 32.75% 13.65% 34.56% 31.37% 31.41% 37.73% 1.55% PAT 1,884.38 1,604.81 1,106.09 673.27 359.39 235.02 210.87 345.67 605.98 567.63 455.61 PAT before Minority Interest 1,884.38 1,604.81 1,106.09 673.27 359.39 235.02 210.87 345.67 605.98 567.63 455.61 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 30.81% 29.35% 24.54% 19.32% 10.96% 6.71% 6.34% 10.81% 21.22% 22.81% 22.26% PAT Growth 26.76% 45.09% 64.29% 87.34% 52.92% 11.45% -39.00% -42.96% 6.76% 24.59% EPS 23.41 19.94 13.74 8.36 4.46 2.92 2.62 4.29 7.53 7.05 5.66

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 10,040.07 8,584.05 7,596.20 6,959.74 6,600.28 6,422.80 6,264.19 5,035.70 4,572.95 4,246.03 Share Capital 160.88 160.41 160.00 159.86 159.86 159.86 145.33 121.86 121.86 121.63 Total Reserves 9,875.00 8,421.39 7,435.57 6,799.44 6,439.92 6,262.65 6,118.86 4,913.83 4,451.09 4,117.42 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 89,112.72 76,637.58 68,486.01 63,278.43 59,075.08 59,867.95 56,890.09 53,699.81 50,078.90 44,690.27 Borrowings 2,478.35 1,432.01 1,339.09 2,528.29 1,184.18 1,565.34 2,393.99 1,695.65 2,894.24 2,900.75 Other Liabilities & Provisions 3,954.05 3,525.77 2,650.02 1,856.72 1,418.64 1,484.02 1,393.17 1,376.46 1,438.63 1,315.42 Total Liabilities 1,05,585.19 90,179.41 80,071.32 74,623.18 68,278.18 69,340.11 66,941.44 61,807.62 58,984.72 53,152.47 Net Block 412.42 417.62 463.63 518.46 563.47 544.94 474.70 410.94 416.54 394.51 Gross Block 1,791.57 1,696.51 1,640.63 1,576.28 1,497.24 1,360.73 1,189.48 1,040.90 960.72 855.89 Accumulated Depreciation 1,379.14 1,278.88 1,177.00 1,057.82 933.76 815.79 714.77 629.96 544.18 461.39 Total Non-Current Assets 1,02,102.45 87,072.63 77,281.92 73,241.83 66,839.74 67,742.42 65,440.76 60,528.90 56,838.77 51,644.35 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 20.46 17.42 14.86 20.60 23.16 38.04 53.49 7.67 3.58 16.66 Cash and balance with RBI 5,587.93 4,279.48 3,594.26 3,514.05 2,732.67 2,934.68 2,960.07 2,790.47 2,529.06 2,692.92 Balance with banks and money at call 70.64 415.65 1,331.91 2,806.28 1,659.88 762.36 1,349.14 1,554.62 362.54 56.17 Investments 22,343.52 18,808.32 17,216.06 16,018.93 15,762.45 14,881.59 15,803.21 14,857.48 14,442.67 12,375.15 Advances 73,667.48 63,134.14 54,661.20 50,363.51 46,098.11 48,580.81 44,800.15 40,907.72 39,084.38 36,108.94 Other Assets 3,482.74 3,106.79 2,789.40 1,381.36 1,438.43 1,597.68 1,500.67 1,278.71 2,145.95 1,508.13 Total Assets 1,05,585.19 90,179.42 80,071.32 74,623.19 68,278.17 69,340.10 66,941.43 61,807.61 58,984.72 53,152.48 Contingent Liabilities 13,187.45 10,404.77 9,260.34 10,124.45 8,437.98 10,137.07 14,837.61 12,636.56 10,358.33 12,581.99 Bills for collection 3,278.30 2,795.99 2,329.80 2,162.37 2,232.37 2,341.84 2,316.05 2,242.46 2,720.22 2,523.24 Adjusted Book Value 124.77 107.00 94.94 87.07 82.57 80.35 78.37 77.00 75.05 348.52

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity 2,954.06 1,217.21 295.49 3,365.53 2,503.82 -1,575.65 -549.51 1,611.25 579.87 -308.95 PBT 1,604.81 1,106.09 673.27 359.39 235.02 210.87 345.67 605.98 567.63 464.28 Adjustment 1,296.83 1,635.78 1,378.66 1,429.87 1,799.92 1,681.29 1,458.01 914.89 720.13 554.14 Adjustments for Liabilities & Assets 507.43 -1,729.66 -2,071.44 1,716.28 588.87 -3,267.81 -2,153.19 305.38 -532.89 -1,222.37 Refund/(Payment) of direct taxes -455.00 205.00 315.00 -140.00 -120.00 -200.00 -200.00 -215.00 -175.00 -105.00 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -1,296.48 -1,270.21 -1,593.76 -1,378.85 -1,534.61 549.35 -169.74 -83.86 -91.65 -102.32 Net Fixed Assets -98.10 -58.44 -58.61 -76.48 -121.63 -155.80 -194.40 -84.27 -91.75 -102.57 Other Investment Activity -3082.24 -3307.69 -3034.34 -3131.49 -971.05 -1568.51 -1326.83 -1140.22 -1066.62 -985.56 Cash from Financing Activity -694.15 -178.05 -95.90 -58.89 -273.70 414.13 683.38 -73.90 -345.71 482.21 Closing Cash & Equivalent 5,658.56 4,695.13 4,926.17 6,320.34 4,392.55 3,697.05 4,309.22 4,345.09 2,891.60 2,749.09 Net Cash Inflow / Outflow 963.43 -231.04 -1,394.17 1,927.79 695.51 -612.17 -35.87 1,453.49 142.51 70.95 Opening Cash & Equivalents 4,695.13 4,926.17 6,320.34 4,392.55 3,697.05 4,309.22 4,345.09 2,891.60 2,749.09 2,678.14

Financial Ratios

Standalone

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value 124.77 107.00 94.94 87.07 82.57 80.35 78.37 70.00 63.57 59.04 NIM 3.75 3.87 3.54 3.25 3.54 3.52 3.54 3.45 3.16 2.86 Yield on Advances 11.14 10.32 10.22 10.86 12.99 11.97 12.72 13.74 13.93 14.94 Yield on Investments 7.27 6.00 5.08 7.23 9.45 8.21 7.75 8.82 8.24 9.93 Cost of Liabilities 4.80 4.06 4.11 4.73 6.04 5.62 5.74 6.41 6.91 8.26 Interest Spread 6.34 6.26 6.11 6.13 6.95 6.35 6.98 7.34 7.01 6.69 ROCE 20.15% 16.23% 11.11% 7.32% 5.01% 5.21% 7.74% 13.90% 15.61% 12.38% Cost Income Ratio 48.26 45.08 53.21 60.60 49.73 48.56 44.42 44.99 47.63 53.91 Core Cost Income Ratio 51.00 45.37 52.46 64.90 55.07 49.61 45.87 48.47 49.51 55.85 Operating Costs to Assets 2.50 2.25 2.32 2.66 2.55 2.33 2.12 2.08 2.01 2.08 Loans/Deposits 0.03 0.02 0.02 0.04 0.02 0.03 0.04 0.03 0.06 0.06 Cash/Deposits 0.06 0.06 0.05 0.06 0.05 0.05 0.05 0.05 0.05 0.06 Investment/Deposits 0.25 0.25 0.25 0.25 0.27 0.25 0.28 0.28 0.29 0.28 Inc Loan/Deposits 2.78% 1.87% 1.96% 4.00% 2.00% 2.61% 4.21% 3.16% 5.78% 6.49% Credit Deposits 82.67% 82.38% 79.81% 79.59% 78.03% 81.15% 78.75% 76.18% 78.05% 80.80% Interest Expended / Interest earned 53.57% 48.61% 51.40% 56.87% 60.80% 59.37% 59.68% 63.12% 67.27% 72.83% Interest income / Total funds 7.77% 7.23% 6.98% 7.33% 8.77% 8.39% 8.51% 9.10% 9.23% 10.15% Interest Expended / Total funds 4.16% 3.51% 3.59% 4.17% 5.33% 4.98% 5.08% 5.74% 6.21% 7.39% CASA 30.39% 33.21% 34.90% 34.22% 31.33% 29.92% 29.14% 27.73% 23.31% 22.02%

Top Investors:

hdfc mutual fund (various funds)

rekha jhunjhunwala

hsbc mutual fund (various funds)

nippon life india trustee ltd a/c (various funds)

sbi mutual fund (various funds)

franklin india mutual fund (various funds)

axis mutual fund (various funds)

uti mutual fund (various funds)

hdfc life insurance company limited

sbi life insurance co. ltd

Annual Reports:

News Update:

Karur Vysya Bank inaugurates 4 new branches in Tamil Nadu, Andhra Pradesh
25th Mar 2025, 11:30 AM

During the financial year 2024-25, the bank added 42 branches and total number of branches increased to 884
Read More
Karur Vysya Bank to inaugurate four new branches
24th Mar 2025, 12:10 PM

The branches are located at Tiruppur, Trichy, Coimbatore and Visakhapatnam
Read More
Karur Vysya Bank inaugurates three new branches
11th Mar 2025, 11:51 AM

These branches will offer a comprehensive range of banking services like accounts, deposits and loans including savings and current accounts etc
Read More
Karur Vysya Bank to inaugurate branches at various locations
7th Mar 2025, 10:39 AM

The bank will be opening its 878th branch at Mangamuru, Andhra Pradesh
Read More
Karur Vysya Bank inaugurates 6 new branches
28th Feb 2025, 10:59 AM

These branches will offer a comprehensive range of banking services like accounts, deposits and loans including savings and current accounts etc
Read More
Karur Vysya Bank inaugurates 4 new branches in Tamil Nadu
28th Jan 2025, 11:09 AM

By inaugurating these branches, the total branch network of the Bank increased to 870
Read More
Karur Vysya Bank reports 21% rise in Q3 consolidated net profit
21st Jan 2025, 16:50 PM

Total Income of the bank increased by 18.27% at Rs 2953.44 crore for Q3FY25
Read More
Karur Vysya Bank - Quarterly Results
20th Jan 2025, 14:21 PM

Read More

Karur Vysya Bank Ltd.

Bank - Private

BSE: 590003 | NSE: KARURVYSYA

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

Karur Vysya Bank Ltd.

Bank - Private

BSE: 590003 | NSE: KARURVYSYA

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: