Karur Vysya Bank Ltd
KARURVYSYA
Banks
₹ 245.00
Price
₹ 23,673
Market Cap
Large Cap
11.25
P/E Ratio
📊 Score Snapshot
6.44 / 25
Performance
25 / 25
Valuation
5.0 / 20
Growth
7.0 / 30
Profitability
43.44 / 100
Risky
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 36.15 | 21.95 | -6.47 | -14.55 | 21.68 | 8.48 | -31.87 | -18.79 |
| Adj Cash PAT | 3,493 | 2,118 | -623.23 | -1,397 | 2,075 | 813.63 | -3,056 | -1,806 |
| Adj Cash PAT To PAT | 1.80 | 1.31 | -0.56 | -2.07 | 5.78 | 3.62 | -14.44 | -5.21 |
| Adj Cash PE | 4.94 | 7.42 | - | - | 2.18 | 2.05 | - | - |
| Adj EPS | 20.12 | 16.69 | 11.50 | 7.02 | 3.75 | 2.34 | 2.21 | 3.61 |
| Adj Number Of Shares | 96.62 | 96.51 | 96.26 | 96.01 | 95.73 | 95.92 | 95.91 | 96.11 |
| Adj PE | 8.88 | 9.76 | 7.57 | 5.69 | 12.61 | 7.25 | 29.16 | 22.00 |
| Adj Peg | 0.43 | 0.22 | 0.12 | 0.07 | 0.21 | 1.23 | - | - |
| Bvps | 123.47 | 104.03 | 89.18 | 79.12 | 72.70 | 68.81 | 66.97 | 65.18 |
| Cash Revenue | 9,678 | 16,417 | 13,034 | 11,176 | 10,940 | 11,980 | 11,632 | 11,400 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 1.24 | 1.23 | 1.85 | 3.34 | 0.87 | - | 0.79 | 0.59 |
| Fcfe | 3,439 | 1,641 | -578.23 | -1,336 | 2,123 | 647.63 | -2,623 | -1,915 |
| Fcfe Margin | 35.54 | 10.00 | -4.44 | -11.96 | 19.41 | 5.41 | -22.55 | -16.80 |
| Fcfe To Adj PAT | 1.77 | 1.02 | -0.52 | -1.98 | 5.91 | 2.88 | -12.39 | -5.52 |
| Market Cap | 17,238 | 15,670 | 8,375 | 3,828 | 4,527 | 1,686 | 6,142 | 7,605 |
| PB | 1.44 | 1.56 | 0.98 | 0.50 | 0.65 | 0.26 | 0.96 | 1.21 |
| PE | 8.88 | 9.76 | 7.57 | 5.69 | 12.61 | 7.18 | 29.11 | 21.98 |
| Peg | 0.43 | 0.22 | 0.12 | 0.07 | 0.24 | 0.63 | - | - |
| PS | 1.78 | 0.95 | 0.64 | 0.34 | 0.41 | 0.14 | 0.53 | 0.67 |
| ROE | 17.70 | 17.30 | 13.68 | 9.26 | 5.29 | 3.45 | 3.34 | 6.14 |
| Share Price | 178.41 | 162.37 | 87.00 | 39.87 | 47.29 | 17.58 | 64.04 | 79.13 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2,808 | 2,569 | 2,516 | 4,975 | 4,771 | 4,570 | 4,372 | 4,278 | 3,994 | 3,766 | 3,536 | 3,390 | 3,158 | 2,948 |
| Interest | 1,547 | 1,489 | 1,427 | 1,407 | 1,324 | 1,260 | 1,189 | 1,138 | 1,082 | 986.00 | 876.00 | 806.00 | 758.00 | 728.00 |
| Expenses - | 1,030 | 839.00 | 925.00 | 878.00 | 896.00 | 800.00 | 1,051 | 833.00 | 743.00 | 741.00 | 847.00 | 882.00 | 718.00 | 624.00 |
| Financing Profit | 231.00 | 240.00 | 164.00 | 203.00 | 167.00 | 225.00 | -53.00 | 168.00 | 173.00 | 156.00 | 45.00 | 7.00 | 104.00 | 122.00 |
| Financing Margin % | 8.23 | 9.34 | 6.52 | 4.08 | 3.50 | 4.92 | -1.21 | 3.93 | 4.33 | 4.14 | 1.27 | 0.21 | 3.29 | 4.14 |
| Other Income - | 512.00 | 447.00 | 509.00 | 465.00 | 469.00 | 388.00 | 626.00 | 358.00 | 339.00 | 333.00 | 401.00 | 317.00 | 242.00 | 199.00 |
| Profit Before Tax | 743.00 | 687.00 | 674.00 | 668.00 | 636.00 | 613.00 | 574.00 | 526.00 | 512.00 | 489.00 | 446.00 | 325.00 | 345.00 | 321.00 |
| Tax % | 22.75 | 24.16 | 23.89 | 25.75 | 25.47 | 25.12 | 20.56 | 21.67 | 26.17 | 26.58 | 24.22 | 11.08 | 27.54 | 28.66 |
| Net Profit - | 574.00 | 521.00 | 513.00 | 496.00 | 474.00 | 459.00 | 456.00 | 412.00 | 378.00 | 359.00 | 338.00 | 289.00 | 250.00 | 229.00 |
| Profit Excl Exceptional | 574.00 | 521.00 | 513.00 | 496.00 | 474.00 | 459.00 | 456.00 | 412.00 | 378.00 | 359.00 | 338.00 | 289.00 | 250.00 | 229.00 |
| Profit For PE | 574.00 | 521.00 | 513.00 | 496.00 | 474.00 | 459.00 | 456.00 | 412.00 | 378.00 | 359.00 | 338.00 | 289.00 | 250.00 | 229.00 |
| Profit For EPS | 574.00 | 521.00 | 513.00 | 496.00 | 474.00 | 459.00 | 456.00 | 412.00 | 378.00 | 359.00 | 338.00 | 289.00 | 250.00 | 229.00 |
| EPS In Rs | 5.94 | 5.40 | 5.31 | 5.14 | 4.90 | 4.75 | 4.73 | 4.27 | 3.93 | 3.72 | 3.51 | 3.01 | 2.61 | 2.86 |
| PAT Margin % | 20.44 | 20.28 | 20.39 | 9.97 | 9.94 | 10.04 | 10.43 | 9.63 | 9.46 | 9.53 | 9.56 | 8.53 | 7.92 | 7.77 |
| PBT Margin | 26.46 | 26.74 | 26.79 | 13.43 | 13.33 | 13.41 | 13.13 | 12.30 | 12.82 | 12.98 | 12.61 | 9.59 | 10.92 | 10.89 |
| Tax | 169.00 | 166.00 | 161.00 | 172.00 | 162.00 | 154.00 | 118.00 | 114.00 | 134.00 | 130.00 | 108.00 | 36.00 | 95.00 | 92.00 |
| Yoy Profit Growth % | 21.00 | 14.00 | 13.00 | 20.00 | 25.00 | 28.00 | 35.00 | 42.00 | 51.00 | 57.00 | 58.00 | 56.00 | 51.00 | 110.00 |
| Adj PAT | 574.00 | 521.00 | 513.00 | 496.00 | 474.00 | 459.00 | 456.00 | 412.00 | 378.00 | 359.00 | 338.00 | 289.00 | 250.00 | 229.00 |
| Adj PAT Margin | 20.44 | 20.28 | 20.39 | 9.97 | 9.94 | 10.04 | 10.43 | 9.63 | 9.46 | 9.53 | 9.56 | 8.53 | 7.92 | 7.77 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 9,678 | 16,417 | 13,034 | 11,176 | 10,940 | 11,980 | 11,632 | 11,400 | 11,244 | 10,886 | 10,792 | 10,232 |
| Interest | 5,418 | 4,395 | 3,168 | 2,872 | 3,111 | 3,642 | 3,453 | 3,402 | 3,549 | 3,662 | 3,930 | 3,832 |
| Expenses - | 3,385 | 3,267 | 2,965 | 2,434 | 2,620 | 3,112 | 2,902 | 2,609 | 1,887 | 1,494 | 1,503 | 1,378 |
| Financing Profit | 875.00 | 551.00 | 384.00 | 281.00 | -260.00 | -764.00 | -539.00 | -311.00 | 187.00 | 288.00 | -37.00 | -94.00 |
| Financing Margin % | 9.04 | 3.36 | 2.95 | 2.51 | -2.38 | -6.38 | -4.63 | -2.73 | 1.66 | 2.65 | -0.34 | -0.92 |
| Other Income - | 1,826 | 1,642 | 1,158 | 768.00 | 919.00 | 1,167 | 962.00 | 899.00 | 782.00 | 707.00 | 581.00 | 565.00 |
| Exceptional Items | 3.00 | 8.00 | 1.00 | 1.00 | - | -12.00 | 1.00 | 1.00 | 1.00 | - | 9.00 | - |
| Depreciation | 114.00 | 100.00 | 106.00 | 119.00 | 124.00 | 119.00 | 101.00 | 85.00 | 86.00 | 83.00 | 81.00 | 75.00 |
| Profit Before Tax | 2,591 | 2,100 | 1,437 | 931.00 | 534.00 | 272.00 | 322.00 | 504.00 | 883.00 | 912.00 | 471.00 | 395.00 |
| Tax % | 25.05 | 23.57 | 23.03 | 27.71 | 32.77 | 13.60 | 34.47 | 31.35 | 31.37 | 37.72 | 1.49 | -8.86 |
| Net Profit - | 1,942 | 1,605 | 1,106 | 673.00 | 359.00 | 235.00 | 211.00 | 346.00 | 606.00 | 568.00 | 464.00 | 430.00 |
| Exceptional Items At | 2.00 | 6.00 | 1.00 | 1.00 | - | -8.00 | 1.00 | - | - | - | 8.00 | - |
| Profit Excl Exceptional | 1,939 | 1,599 | 1,105 | 672.00 | 359.00 | 243.00 | 210.00 | 345.00 | 606.00 | 568.00 | 456.00 | 430.00 |
| Profit For PE | 1,939 | 1,599 | 1,105 | 672.00 | 359.00 | 243.00 | 210.00 | 345.00 | 606.00 | 568.00 | 456.00 | 430.00 |
| Profit For EPS | 1,942 | 1,605 | 1,106 | 673.00 | 359.00 | 235.00 | 211.00 | 346.00 | 606.00 | 568.00 | 464.00 | 430.00 |
| EPS In Rs | 20.10 | 16.63 | 11.49 | 7.01 | 3.75 | 2.45 | 2.20 | 3.60 | 6.46 | 6.05 | 4.95 | 5.20 |
| Dividend Payout % | 11.00 | 12.00 | 14.00 | 19.00 | 11.00 | - | 23.00 | 13.00 | 26.00 | 30.00 | 34.00 | 32.00 |
| PAT Margin % | 20.07 | 9.78 | 8.49 | 6.02 | 3.28 | 1.96 | 1.81 | 3.04 | 5.39 | 5.22 | 4.30 | 4.20 |
| PBT Margin | 26.77 | 12.79 | 11.03 | 8.33 | 4.88 | 2.27 | 2.77 | 4.42 | 7.85 | 8.38 | 4.36 | 3.86 |
| Tax | 649.00 | 495.00 | 331.00 | 258.00 | 175.00 | 37.00 | 111.00 | 158.00 | 277.00 | 344.00 | 7.00 | -35.00 |
| Adj PAT | 1,944 | 1,611 | 1,107 | 673.72 | 359.00 | 224.63 | 211.66 | 346.69 | 606.69 | 568.00 | 472.87 | 430.00 |
| Adj PAT Margin | 20.09 | 9.81 | 8.49 | 6.03 | 3.28 | 1.88 | 1.82 | 3.04 | 5.40 | 5.22 | 4.38 | 4.20 |
🏦 Balance Sheet
| Metric | Mar 2025 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | 1,493 | 1,379 | - | 1,279 | 1,177 | 1,058 | 934.00 | 816.00 | 715.00 | 630.00 |
| Average Total Assets | 112,410 | 97,816 | - | 85,125 | 77,347 | 71,450 | 68,809 | 68,140 | 64,374 | 60,396 |
| Average Total Equity | 10,985 | 9,312 | - | 8,090 | 7,278 | 6,780 | 6,512 | 6,344 | 5,650 | 4,804 |
| Borrowing | 1,217 | 2,478 | - | 1,432 | 1,339 | 2,528 | 1,184 | 1,565 | 2,394 | 1,696 |
| Cwip | 39.00 | 20.00 | - | 17.00 | 15.00 | 21.00 | 23.00 | 38.00 | 53.00 | 8.00 |
| Cash Equivalents | 6,689 | 4,809 | - | 3,581 | 2,898 | 2,679 | 1,956 | 2,393 | 2,234 | 2,226 |
| Deposits | 102,078 | 89,113 | - | 76,638 | 68,486 | 63,278 | 59,075 | 59,868 | 56,890 | 53,700 |
| Fixed Assets | 451.00 | 412.00 | - | 418.00 | 464.00 | 518.00 | 563.00 | 545.00 | 475.00 | 411.00 |
| Gross Block | 1,944 | 1,792 | - | 1,697 | 1,641 | 1,576 | 1,497 | 1,361 | 1,189 | 1,041 |
| Investments | 23,831 | 22,344 | - | 18,808 | 17,216 | 16,019 | 15,762 | 14,882 | 15,803 | 14,857 |
| Loans N Advances | - | - | - | - | - | - | 112.00 | 147.00 | - | 9.00 |
| Long Term Borrowings | - | - | - | - | - | - | 1,184 | 1,565 | 2,394 | 1,696 |
| Net Debt | -30,520 | 64,438 | - | 55,681 | 49,711 | 47,109 | 42,541 | 44,158 | 41,247 | 38,312 |
| Other Asset Items | 88,357 | 77,868 | - | 67,355 | 59,478 | 55,387 | 49,861 | 51,335 | 48,376 | 44,297 |
| Other Borrowings | - | 91,591 | - | 78,070 | 69,825 | 65,807 | 59,075 | 59,868 | 56,890 | 53,700 |
| Other Liability Items | 3,631 | 3,279 | - | 2,886 | 2,287 | 1,559 | 1,205 | 1,208 | 1,076 | 1,023 |
| Reserves | 11,769 | 9,879 | - | 8,424 | 7,436 | 6,800 | 6,440 | 6,263 | 6,119 | 4,914 |
| Share Capital | 161.00 | 161.00 | 161.00 | 160.00 | 160.00 | 160.00 | 160.00 | 160.00 | 145.00 | 122.00 |
| Total Assets | 119,367 | 105,453 | - | 90,179 | 80,071 | 74,623 | 68,278 | 69,340 | 66,941 | 61,808 |
| Total Borrowings | - | 91,591 | - | 78,070 | 69,825 | 65,807 | 60,259 | 61,433 | 59,284 | 55,395 |
| Total Equity | 11,930 | 10,040 | 161.00 | 8,584 | 7,596 | 6,960 | 6,600 | 6,423 | 6,264 | 5,036 |
| Total Equity And Liabilities | 119,367 | 105,453 | - | 90,179 | 80,071 | 74,623 | 68,278 | 69,340 | 66,941 | 61,808 |
| Total Liabilities | 107,437 | 95,413 | -161.00 | 81,595 | 72,475 | 67,663 | 61,678 | 62,917 | 60,677 | 56,772 |
| Trade Payables | 512.00 | 544.00 | - | 640.00 | 363.00 | 298.00 | 214.00 | 276.00 | 317.00 | 354.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | -188.00 | -694.00 | -178.00 | -96.00 | -59.00 | -274.00 | 414.00 | 683.00 |
| Cash From Investing Activity | -2,151 | -1,296 | -1,270 | -1,594 | -1,379 | -1,535 | 549.00 | -170.00 |
| Cash From Operating Activity | 4,487 | 2,954 | 1,217 | 295.00 | 3,366 | 2,504 | -1,576 | -550.00 |
| Cash Paid For Loan Advances | -10,776 | -10,959 | -9,181 | -5,587 | -4,906 | 1,122 | -5,091 | -4,906 |
| Cash Paid For Purchase Of Fixed Assets | -168.00 | -90.00 | -61.00 | -58.00 | -76.00 | -135.00 | -156.00 | -194.00 |
| Cash Paid For Purchase Of Investments | -1,983 | -1,206 | -1,209 | -1,536 | -1,303 | -1,400 | - | - |
| Cash Paid For Redemption Of Debentures | - | -487.00 | - | - | - | -150.00 | - | - |
| Cash Receipts From Deposits | 102,078 | 89,113 | 76,638 | 68,486 | 63,278 | 59,075 | 59,868 | 56,890 |
| Cash Received From Issue Of Debentures | - | - | - | - | - | - | 487.00 | - |
| Cash Received From Issue Of Shares | 4.00 | 8.00 | 8.00 | 3.00 | - | - | - | 888.00 |
| Cash Received From Sale Of Fixed Assets | - | - | - | - | - | - | 1.00 | - |
| Cash Received From Sale Of Investments | - | - | - | - | - | - | 704.00 | 25.00 |
| Change In Other Working Capital Items | -639.00 | -1,009 | -700.00 | -1,893 | 2,419 | 259.00 | -1,155 | -438.00 |
| Change In Receivables | - | - | - | - | - | - | - | - |
| Change In Working Capital | 1,549 | 507.00 | -1,730 | -2,071 | 1,716 | 589.00 | -3,268 | -2,153 |
| Direct Taxes Paid | -515.00 | -455.00 | 205.00 | 315.00 | -140.00 | -120.00 | -200.00 | -200.00 |
| Dividends Paid | -193.00 | -160.00 | -128.00 | -40.00 | -1.00 | -58.00 | -55.00 | -190.00 |
| Interest Paid | - | -55.00 | -58.00 | -58.00 | -58.00 | -65.00 | -18.00 | -15.00 |
| Net Cash Flow | 2,148 | 963.00 | -231.00 | -1,394 | 1,928 | 696.00 | -612.00 | -36.00 |
| Operating Deposits | 12,965 | 12,475 | 8,152 | 5,408 | 4,203 | -793.00 | 2,978 | 3,190 |
| Profit From Operations | 3,454 | 2,902 | 2,742 | 2,052 | 1,789 | 2,035 | 1,892 | 1,804 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Karurvysya | 2025-06-30 | - | 15.41 | 39.47 | 43.00 | 0.00 |
| Karurvysya | 2025-03-31 | - | 15.12 | 38.87 | 43.88 | 0.00 |
| Karurvysya | 2024-12-31 | - | 14.80 | 38.47 | 44.60 | 0.00 |
| Karurvysya | 2024-09-30 | - | 15.10 | 37.01 | 45.76 | 0.00 |
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