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The Karur Vysya Bank Limited (KARURVYSYA.NS)

INR305.40 +5.85 (+1.95%)
IN NSE Financial Services Banks - Regional
Address No. 20, Erode Road 639002
Karur, IN
CEO Ramesh Babu Boddu
Website kvb.co.in
IPO 1996-01-01
ISIN INE036D01028

Explore sections of this company profile

Also trades on Bombay Stock Exchange · KARURVYSYA.BO (INR) National Stock Exchange of India · KARURVYSYA.NS (INR)
Description

The Karur Vysya Bank Limited (KVB) is an Indian financial institution offering a comprehensive range of banking and financial solutions to both individual and corporate clients across the nation. Its operations are structured into key divisions including Treasury, Corporate and Wholesale Banking, Retail Banking, and other related banking activities. KVB's extensive product portfolio encompasses diverse account options such as savings, current, recurring, tax-saving, and fixed deposits. It extends various credit facilities, including personal, home, vehicle, and educational loans, alongside comprehensive business financing solutions like working capital, term loans, and trade finance. The bank also facilitates foreign exchange transactions and provides an array of payment cards, from debit and credit cards to specialized prepaid options like gift, forex travel, reloadable, and senior citizen cards. Customers can access a variety of insurance products (life, non-life, health), investment services (Demat, trading, mutual funds), and modern digital banking tools. Additional offerings include secure locker facilities, participation in social security initiatives, and government-backed schemes. Furthermore, KVB caters to Micro, Small, and Medium Enterprises (MSMEs) and offers general commercial loans and mortgage products. It supports businesses with payment collection and transaction banking, and provides specialized deposit accounts for Non-Resident Indians (FCNR, NRE, NRO). The bank also offers unique lending options such as jewel loans and loans against existing deposits, alongside remittance services and robust internet and mobile banking platforms. A dedicated suite of products is available to support the agricultural sector. As of the fiscal year ending March 31, 2022, the bank maintained a substantial physical presence, operating 822 branches. Its digital and self-service infrastructure included 1,639 automated teller machines (ATMs), 584 bunch note recycler machines, and 178 self-service passbook kiosks. Established in 1916, The Karur Vysya Bank Limited has its headquarters in Karur, India.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR305.40 +5.85 (+1.95%)
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Volume Profile
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Liquidity & share structure
Average Volume
3M
Beta
-0.07
Float Shares
712.13M
Free Float %
88.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-2.11% -12.98% -0.93% -12.06% +10.35% +5.33% +52.05% +242.20% +499.83% +319.60% +19,470.42%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
305.40
DCF (Unlevered) 197.29 -35.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 82% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 13 0
Hold 1 +1
Sell 1 +1
Strong Sell 1 0
Quality scores
Altman Z-Score
0.34
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
3 / 5
Medium
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
  • Revenue growth
    +20.2% Q1'26: +42.5% (vs Q1'25)
  • EPS growth
    +29.2% Q1'26: +41.2% (vs Q1'25)
  • FCF margin
    Q1'26: -236.5% (vs Q1'25)
  • EBIT margin
    Q1'26: +28.1% (vs Q1'25)
  • ROIC
    Q1'26: +25.4% (vs Q1'25)
  • Share dilution
    +20.1% Q1'26: +19.9% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.66× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.03) × ERP
WACC = 92% × Ke + 8% × Kd (234.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 197.48 Current price: 305.40
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2012
actual
Mar 2013
actual
Mar 2014
actual
Mar 2015
actual
Mar 2016
actual
Mar 2017
actual
Mar 2018
actual
Mar 2019
actual
Mar 2020
actual
Mar 2021
actual
Mar 2022
actual
Mar 2023
actual
Mar 2024
actual
Mar 2025
actual
Mar 2026
7 Rev. Ana.
13 EPS Ana.
Mar 2027
7 Rev. Ana.
13 EPS Ana.
Mar 2028
6 Rev. Ana.
15 EPS Ana.
Mar 2029
2 Rev. Ana.
5 EPS Ana.
Revenue
36.20B
est: 10.46B (+246.1%)
46.94B
est: 15.55B (+201.8%)
56.80B
est: 18.50B (+207.0%)
59.76B
est: 20.47B (+192.0%)
61.50B
est: 24.66B (+149.4%)
64.04B
est: 28.42B (+125.3%)
65.99B
est: 31.27B (+111.0%)
67.77B
est: 31.20B (+117.2%)
71.57B
est: 34.55B (+107.2%)
63.70B
est: 34.43B (+85.0%)
63.57B
est: 35.17B (+80.7%)
73.64B
est: 43.51B (+69.2%)
93.66B
est: 49.48B (+89.3%)
109.52B
est: 60.29B (+81.7%)
68.20B
67.37B – 69.31B
+13.1% YoY
76.84B
71.17B – 98.48B
+12.7% YoY
87.34B
83.00B – 93.83B
+13.7% YoY
101.17B
94.90B – 119.31B
+15.8% YoY
EBITDA
6.70B
est: 2.01B (+233.8%)
8.46B
est: 2.99B (+183.5%)
4.70B
est: 3.55B (+32.3%)
5.53B
est: 3.93B (+40.7%)
9.94B
est: 4.73B (+110.1%)
9.69B
est: 5.46B (+77.6%)
5.89B
est: 6.00B (-1.9%)
4.23B
est: 5.99B (-29.3%)
3.91B
est: 6.63B (-41.0%)
6.59B
est: 6.61B (-0.4%)
10.50B
est: 6.75B (+55.5%)
15.42B
est: 8.35B (+84.6%)
22.00B
est: 11.07B (+98.8%)
27.04B
est: 57.80B (-53.2%)
15.26B
15.07B – 15.51B
-73.6% YoY
17.19B
15.92B – 22.03B
+12.7% YoY
19.54B
18.57B – 20.99B
+13.7% YoY
22.63B
21.23B – 26.69B
+15.8% YoY
EBIT
6.32B
est: 1.85B (+240.8%)
7.90B
est: 8.34B (-5.2%)
3.95B
est: 8.63B (-54.2%)
4.71B
est: 4.41B (+7.0%)
9.12B
est: 5.60B (+62.7%)
8.83B
est: 10.20B (-13.4%)
5.04B
est: 10.06B (-50.0%)
3.22B
est: 5.12B (-37.0%)
2.72B
est: 3.47B (-21.5%)
5.34B
est: 2.76B (+93.4%)
9.31B
est: 2.95B (+215.7%)
14.37B
est: 3.32B (+332.6%)
21.00B
est: 10.44B (+101.2%)
25.91B
est: 12.67B (+104.4%)
14.39B
14.21B – 14.62B
+13.5% YoY
16.21B
15.01B – 20.77B
+12.7% YoY
18.42B
17.51B – 19.79B
+13.7% YoY
21.34B
20.02B – 25.17B
+15.8% YoY
Net Income
5.02B
est: 6.15B (-18.4%)
5.50B
est: 6.62B (-16.8%)
4.30B
est: 6.55B (-34.4%)
4.64B
est: 4.79B (-3.0%)
5.68B
est: 5.62B (+1.0%)
6.06B
est: 6.35B (-4.5%)
3.46B
est: 6.90B (-49.9%)
2.11B
est: 3.51B (-39.9%)
2.35B
est: 2.27B (+3.6%)
3.59B
est: 2.39B (+50.6%)
6.73B
est: 2.55B (+164.4%)
11.06B
est: 2.87B (+285.7%)
16.05B
est: 22.08B (-27.3%)
19.42B
est: 20.04B (-3.1%)
25.10B
22.05B – 29.57B
+25.2% YoY
27.31B
24.07B – 30.32B
+8.8% YoY
31.25B
27.12B – 35.05B
+14.4% YoY
33.81B
32.33B – 40.08B
+8.2% YoY
SGA
256.47M
est: 21.33M (+1,102.6%)
305.22M
est: 8.38B (-96.4%)
259.72M
est: 10.54B (-97.5%)
233.28M
est: 16.19B (-98.6%)
366.60M
est: 19.18B (-98.1%)
311.12M
est: 17.63B (-98.2%)
212.19M
est: 22.47B (-99.1%)
170.77M
est: 27.37B (-99.4%)
245.54M
est: 32.31B (-99.2%)
136.32M
est: 32.80B (-99.6%)
14.68B
est: 35.00B (-58.1%)
15.54B
est: 39.42B (-60.6%)
20.51B
est: 9.53B (+115.2%)
21.16B
est: 46.30B (-54.3%)
13.14B
12.98B – 13.35B
-71.6% YoY
14.80B
13.71B – 18.97B
+12.7% YoY
16.83B
15.99B – 18.07B
+13.7% YoY
19.49B
18.28B – 22.98B
+15.8% YoY
EPS
6.61
est: 7.64 (-13.5%)
7.25
est: 9.05 (-19.9%)
5.66
est: 6.10 (-7.2%)
5.63
est: 6.55 (-14.1%)
6.58
est: 6.78 (-2.9%)
7.04
est: 6.88 (+2.3%)
3.98
est: 4.09 (-2.7%)
2.64
est: 2.14 (+23.3%)
2.94
est: 2.36 (+24.7%)
3.75
est: 3.20 (+17.3%)
7.02
est: 6.71 (+4.6%)
11.51
est: 10.95 (+5.1%)
16.66
est: 21.22 (-21.5%)
20.11
est: 19.72 (+2.0%)
24.81
22.81 – 30.59
+25.8% YoY
28.42
24.90 – 31.37
+14.5% YoY
32.37
28.06 – 36.26
+13.9% YoY
37.00
33.45 – 41.46
+14.3% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-08 A- 4/5 3/5 5/5 5/5 3/5 3/5 1/5
2026-05-07 A- 4/5 3/5 5/5 4/5 3/5 3/5 2/5
2026-05-06 A- 4/5 3/5 5/5 4/5 3/5 3/5 2/5
2026-05-05 A- 4/5 3/5 5/5 4/5 3/5 3/5 2/5
2026-05-04 A- 4/5 3/5 5/5 4/5 3/5 3/5 2/5
2026-04-30 A- 4/5 3/5 5/5 5/5 2/5 3/5 2/5
2026-04-29 A- 4/5 3/5 5/5 5/5 2/5 3/5 2/5
2026-04-28 A- 4/5 3/5 5/5 5/5 2/5 3/5 2/5
2026-04-27 A- 4/5 3/5 5/5 5/5 2/5 3/5 2/5
2026-04-24 A- 4/5 3/5 5/5 5/5 2/5 3/5 2/5
2026-04-23 A- 4/5 3/5 5/5 5/5 2/5 3/5 2/5
2026-04-22 A- 4/5 3/5 5/5 5/5 2/5 3/5 2/5
2026-04-21 A- 4/5 3/5 5/5 5/5 2/5 3/5 2/5
2026-04-20 A- 4/5 3/5 5/5 5/5 2/5 3/5 2/5
2026-04-17 A- 4/5 3/5 5/5 5/5 2/5 3/5 2/5
2026-04-16 A- 4/5 3/5 5/5 5/5 2/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
698.66M
OE per share TTM
0.87
Owner's Yield
0.24%
Maintenance CapEx ratio
3.75%
Maint CapEx / Avg PPE
5.7%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
3.73M
Shares Outstanding
805.33M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Ramesh Babu Boddu MD, Chief Executive Officer & Director 29M male
J. Natarajan President 10M male
Sankar Balabhadrapatruni Executive Director 582.3K male
S. Balaji Sociology Chief General Manager male
S. Chandrasekaran Chief General Manager & Chief Operating Officer male
S. Sekar GM & Chief Information Officer male
Daniel Immanuel Gnanaraj GM & Chief Human Resources Officer male
Srinivasa Rao Maddirala Company Secretary, Compliance Officer, Deputy GM & Head of Investor Relations Cell male
G. Mohan Kumar GM & Chief Compliance Officer male
Ramshankar R. GM & Chief Financial Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits