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Karur Vysya Bank
Large Cap•8,889 Employees•IPO 1995
Current Price
₹282.10
-13.6 (-4.6%)Updated
Valuation vs Sector
P/E Ratio
12.72vs 18.54
P/B Ratio
2.29vs 2.09
Div Yield
0.69%vs 0.59%
Today's Range
281.3
₹282.10
294.9
52 Week Range
52W Low₹185.55
52W High₹343.45
₹282.10
Downside52.03%
Upside21.75%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹31,392.36 Cr
Market Cap
Total market value of companyP/E Ratio
13.30
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
1.59
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹23.79
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
13.15%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
7.38%
ROCE
Return on Capital Employed. >15% is goodNet Margin
27.37%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
46.87%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
2.71%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
17.70%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
21.20%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
0.14
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹123.59
Book Value
Net asset value per shareDividend Yield
0.69%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
2.11%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
4 points- •Karur Vysya Bank demonstrates a robust Return on Equity (ROE) of 17.60%, indicating efficient capital utilization. A strong Operating Profit Margin (OPM) of 64.60% further highlights effective cost management and operational efficiency.
- •The bank has shown impressive quarterly profit growth, with a 21.20% increase in the latest quarter (PAT of 574 Cr). This consistent upward trend signals strong financial performance and positive future prospects.
Weaknesses
3 points- •Karur Vysya Bank carries a high debt-to-equity ratio of 8.66, indicating significant reliance on debt financing. This elevated leverage could increase financial risk, especially during economic downturns or rising interest rates.
- •The promoter holding remains notably low at 2.11% (as of March 2025), which might raise concerns about strong insider ownership and could potentially lead to increased stock price volatility or governance issues.
Opportunities
3 points- •As a private sector bank, Karur Vysya Bank can capitalize on the expanding Indian financial services sector, driven by increasing credit demand, financial inclusion initiatives, and digital banking adoption.
- •The bank's P/E ratio of 11.40 is significantly lower than many larger private bank peers (e.g., HDFC 21.40, ICICI 18.37), suggesting potential for re-rating as its growth trajectory continues.
Threats
3 points- •The private banking sector is highly competitive, with larger, well-established players posing a significant threat. Karur Vysya Bank faces challenges in market share growth and retaining customers amidst aggressive competition.
- •Adverse changes in banking regulations, interest rate policies, or a broader economic slowdown could negatively impact loan growth, asset quality, and overall profitability for the bank.
Segment-wise Financial Analysis
Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
Loading shareholding data...
Company Insider Trading Activity
Recent Insider Transactions
| Insider Name | Transaction Date | Filing Date | Total Shares | Change | Price | Action |
|---|---|---|---|---|---|---|
M K VENKATESAN | 18 Dec 2024 | 23 Dec 2024 | 3.50 L | 21,761 | - | SELL |
M V PRAJEETH | 18 Dec 2024 | 23 Dec 2024 | 2.31 L | 10,000 | - | BUY |
M V Usha | 18 Dec 2024 | 23 Dec 2024 | 2.92 L | 11,761 | - | BUY |
MUNUGOOR K VENKATESAN | 19 Dec 2024 | 24 Dec 2024 | 3.67 L | 3,000 | ₹230.08 | SELL |
M V Usha | 19 Dec 2024 | 24 Dec 2024 | 2.89 L | 3,000 | ₹230.24 | SELL |
M V PRAJEETH | 19 Dec 2024 | 24 Dec 2024 | 2.28 L | 3,000 | ₹229.22 | SELL |
MUNUGOOR K VENKATESAN | 23 Dec 2024 | 26 Dec 2024 | 3.66 L | 1,300 | ₹221.3 | SELL |
M V Usha | 23 Dec 2024 | 26 Dec 2024 | 2.87 L | 1,300 | ₹221.27 | SELL |
MUNUGOOR K VENKATESAN | 28 Mar 2025 | 29 Mar 2025 | 3.26 L | 40,000 | ₹209.96 | SELL |
B Ramesh Babu | 13 Jun 2025 | 16 Jun 2025 | 1.21 L | 20,000 | ₹240.96 | SELL |
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹318.10 | +₹36.00 | +12.76% |
| R3 | ₹304.50 | +₹22.40 | +7.94% |
| R2 | ₹299.70 | +₹17.60 | +6.24% |
| R1 | ₹290.90 | +₹8.80 | +3.12% |
| PIVOT | ₹286.10 | 4.00 | 1.42% |
| CURRENT | ₹282.10 | - | - |
| S1 | ₹250.10 | -₹32.00 | -11.34% |
| S2 | ₹263.70 | -₹18.40 | -6.52% |
| S3 | ₹272.50 | -₹9.60 | -3.40% |
| S4 | ₹277.30 | -₹4.80 | -1.70% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-51.4% vs avg
1.29M
(12 Mar 2026)Delivery %-3.5% vs avg
47.6%
(12 Mar 2026)Avg Volume (20D)20-day average
2.65M
(12 Feb - 12 Mar)Avg Delivery %Trend ↑
51.1%
(12 Feb - 12 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
HDFC Bank Ltd
14.24L ₹ Cr
Best Profit Growth
IDFC First Bank Ltd
64.10 %
Highest Dividend Yield
Bank of Maharashtra
2.23 %
Peer Comparison
| Company Name |
|---|
 Central Bank of India |
 City Union Bank Ltd |
 Federal Bank Ltd |
 HDFC Bank Ltd |
 IDFC First Bank Ltd |
 Indian Overseas Bank |
 Jammu and Kashmir Bank Ltd |
 Bank of Maharashtra |
 Punjab & Sind Bank |
 RBL Bank Ltd |
 South Indian Bank Ltd |
 Tamilnad Mercantile Bank Ltd |
 UCO Bank |
 Yes Bank Ltd |
About
Karur Vysya Bank Ltd
Karur Vysya Bank Limited (KVB) is a prominent Indian financial institution offering a comprehensive suite of banking and financial services to both individual and corporate clients. Its operations are structured across four key segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations, ensuring a diversified revenue stream and catering to a broad spectrum of customer needs.
The bank's retail banking arm caters to individual customers with a range of products and services including savings and current accounts, various deposit schemes (recurring and tax-saving), and a variety of personal loans (home, vehicle, education). They also provide support for financial planning with investment options and insurance products (life, non-life, and health). Digital banking services, including internet and mobile banking, are also a key part of their offering for individual customers, along with supplementary services like locker facilities and access to government-sponsored schemes.
On the corporate/wholesale banking side, KVB provides extensive support to businesses of all sizes. This includes a broad array of loan products tailored to different needs, encompassing commercial loans, MSME (Micro, Small, and Medium Enterprises) loans, and mortgage loans. The bank also facilitates transactions through services like tokenization for card-based transactions and offers specialized services like investment and payment collection solutions.
Beyond traditional banking, KVB offers supplementary financial services such as prepaid instruments (gift cards, forex travel cards, reloadable cards), demat and trading services, mutual fund services, and remittance services. They also cater to the agricultural sector with specialized products and services. Their treasury operations manage the bank's financial resources, ensuring effective liquidity management and investment strategies. International banking services are also provided through FCNR, NRE, and NRO deposits, showcasing the bank's global reach.
In summary, Karur Vysya Bank's business model is characterized by its diversified portfolio of financial products and services, catering to a wide range of clients from individuals to large corporations, leveraging both traditional and modern digital banking channels. The bank’s long history, dating back to 1916, underpins its experience and established presence within the Indian financial landscape.
COMPANY FACTS - KARURVYSYA
Registered Address
No. 20, Erode Road,, Vadivel Nagar, L.N.S.
Karur
TAMIL NADU
IN
Tel: 914324269000
Website:https://www.kvb.co.in/
Investor Relations:http://www.kvb.co.in/investor-corner/
Company Details
Group: Banks
Sector: Financials
Industry: Banks
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 8,889
IPO Date: 15/05/1995
MANAGEMENT - KARURVYSYA
Dr. Meena Hemchandra
Non- Executive Independent (Part-time) Chairperson
Shri. J. Natarajan
President, Chief Operating Officer, Whole Time Director
Shri. B. Ramesh Babu
Chief Executive Officer, Managing Director, Executive Director
Mr. R. Ramshankar
Chief Financial Officer, General Manager
Shri. M. S. Chandrasekaran
Chief Operating Officer, Chief General Manager
Shri. D Immanuel Gnanaraj
Chief Human Resource Officer, General Manager
Shri. S. Sekar
Chief Information Officer, General Manager
Shri. K V S M. Sudhakar
Chief Compliance Officer, General Manager
Shri. Jatla Sivaramakrishna
Chief Risk Officer, General Manager
Shri. R Chandrasekaran
General Manager, Head - Corporate & Institutional Group
Mr. Dolphy Jose
Chief General Manager, Head - Consumer Banking
Shri. K. Mahendran
General Manager, Head - Precious Metals Division
Investor Questions Answered
Karur Vysya Bank Ltd (KARURVYSYA) Stock FAQs
Get answers to the most common questions about Karur Vysya Bank Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Karur Vysya Bank Ltd (KARURVYSYA) is ₹282.1. Today, the stock has declined by ₹13.60 (4.60%), trading in a range of ₹281.3 to ₹294.9. The stock opened at ₹294 with a trading volume of 21,62,829 shares.
Karur Vysya Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹31,392.36 crores, P/E ratio of 13.30, ROE of 13.15%, and ROCE of 7.38%. The dividend yield stands at 0.69%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Karur Vysya Bank Ltd (KARURVYSYA) is ₹343.45, while the 52-week low is ₹185.55. Currently trading at ₹282.1, the stock is 61.1% away from its 52-week low and 17.9% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Karur Vysya Bank Ltd stock at ₹282.1 depends on multiple factors. The stock is currently trading with a P/E ratio of 13.30 and P/B ratio of N/A. Today's performance shows a loss of 4.60%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Karur Vysya Bank Ltd offers a dividend yield of 0.69%, which means for every ₹100 invested at the current price of ₹282.1, you can expect to receive approximately ₹0.69 annually as dividends. The face value of the stock is ₹2.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Karur Vysya Bank Ltd's key financial metrics include: P/E Ratio: 13.30, P/B Ratio: N/A, ROE: 13.15%, ROCE: 7.38%, Dividend Yield: 0.69%, EPS: ₹23.79, Book Value: ₹123.59, Debt-to-Equity: 0.14, and Current Ratio: N/A. The company's market cap stands at ₹31,392.36 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Karur Vysya Bank Ltd stock opened at ₹294 and is currently trading at ₹282.1, showing a decline of ₹13.60 (4.60%). The intraday high is ₹294.9 and low is ₹281.3. The trading volume stands at 21,62,829 shares, indicating strong market participation today.
Karur Vysya Bank Ltd has a Price-to-Earnings (P/E) ratio of 13.30, which means investors are willing to pay ₹13.30 for every ₹1 of earnings. With an EPS of ₹23.79, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
Karur Vysya Bank Ltd has a market capitalization of ₹31,392.36 crores, making it a mid-cap company. Market cap is calculated by multiplying the current stock price (₹282.1) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Karur Vysya Bank Ltd has a book value of ₹123.59 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹282.1, which is 128.3% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Karur Vysya Bank Ltd has a Return on Equity (ROE) of 13.15% and Return on Capital Employed (ROCE) of 7.38%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Karur Vysya Bank Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Karur Vysya Bank Ltd has a debt-to-equity ratio of 0.14, which measures the company's financial leverage by comparing total debt to shareholders' equity. A low ratio suggests conservative financing with minimal debt. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Karur Vysya Bank Ltd has an Earnings Per Share (EPS) of ₹23.79, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹282.1 and P/E ratio of 13.30, investors are paying 13.30 times the annual earnings per share. This moderate EPS suggests decent earnings generation. Track EPS growth over quarters to assess earnings momentum.
Karur Vysya Bank Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Karur Vysya Bank Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Karur Vysya Bank Ltd stock, consider: 1) Fundamental Analysis - Review P/E (13.30), ROE (13.15%), debt-to-equity (0.14), and growth rates. 2) Technical Analysis - Check 52-week range (₹185.55 - ₹343.45), moving averages, and chart patterns. 3) Valuation - Compare current price (₹282.10) with book value (₹123.59) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Karur Vysya Bank Ltd share is ₹2.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹282.1 is 14005x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Karur Vysya Bank Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹185.55 - ₹343.45). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 0.14 indicates leverage. 4) Liquidity Risk - Based on trading volume of 21,62,829 shares. 5) Valuation Risk - P/E of 13.30 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Karur Vysya Bank Ltd operates in the industry with key metrics: P/E ratio of 13.30, ROE of 13.15%, market cap of ₹31,392.36 crores, and dividend yield of 0.69%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 0.14), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Karur Vysya Bank Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹282.1, with a 52-week range of ₹185.55 to ₹343.45. Based on fundamentals like P/E (13.30), ROE (13.15%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Karur Vysya Bank Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹282.10. 2) Fundamental Deterioration - Declining ROE (currently 13.15%), increasing debt (D/E: 0.14), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Karur Vysya Bank Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.69%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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