Stock Performance and Market Context
On 3 Feb 2026, Karur Vysya Bank Ltd. (Stock ID: 124359) recorded an intraday high of Rs.322.65, setting both a new 52-week and all-time high. The stock opened with a gap-up of 4.71% and closed the day with a gain of 1.89%, despite underperforming its sector by 0.31%. Over the last two trading sessions, the stock has delivered a cumulative return of 5.69%, demonstrating sustained buying interest and positive price action.
The bank’s shares are trading comfortably above all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, signalling a robust upward trend. This technical strength is particularly noteworthy given that the broader Sensex index experienced volatility on the same day, opening 3,656.74 points higher but retreating by 1,618.84 points to close at 83,704.36, still 2.93% shy of its own 52-week high of 86,159.02.
Within the private sector banking segment, the sector gained 2.52%, outpacing the stock’s modest underperformance. However, Karur Vysya Bank’s year-on-year performance remains impressive, with a 56.16% return over the past 12 months compared to the Sensex’s 8.57% rise. The stock’s 52-week low stands at Rs.153.05, highlighting the substantial appreciation investors have witnessed over the year.
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Financial Strength and Growth Metrics
Karur Vysya Bank’s recent performance is underpinned by strong long-term fundamentals. The bank boasts a Tier 1 Capital Adequacy Ratio of 15.34%, reflecting a solid capital base that supports its lending and growth activities. Net profit has exhibited a robust annual growth rate of 46.67%, underscoring the bank’s ability to expand its earnings consistently.
The company has reported positive results for 18 consecutive quarters, with the latest quarter’s Profit After Tax (PAT) reaching a record Rs.689.96 crores. Profit Before Tax excluding other income (PBT less OI) also hit a high of Rs.391.62 crores, while Earnings Per Share (EPS) stood at Rs.7.14, the highest recorded to date. These figures highlight the bank’s operational efficiency and profitability trajectory.
Institutional investors hold a significant stake of 57.09% in the company, having increased their holdings by 1.3% over the previous quarter. This level of institutional confidence often reflects thorough fundamental analysis and long-term commitment to the stock.
MarketsMojo assigns Karur Vysya Bank a Mojo Score of 78.0 and a Mojo Grade of Buy, upgraded from Hold on 9 Dec 2025. The stock ranks among the top 1% of over 4,000 companies rated by MarketsMojo, positioned 11th among Small Cap stocks and 32nd across the entire market, further validating its quality and growth credentials.
Valuation and Comparative Analysis
Despite its strong growth, the stock carries a premium valuation. It trades at a Price to Book Value of 2.2, which is higher than the average historical valuations of its peers. The Return on Assets (ROA) stands at 1.8%, indicating efficient asset utilisation but also contributing to the elevated valuation.
Over the past year, while the stock has delivered a 56.08% return, profits have increased by 22%, resulting in a Price/Earnings to Growth (PEG) ratio of 0.6. This suggests that the stock’s price appreciation has outpaced earnings growth, a factor investors may consider when analysing valuation sustainability.
Karur Vysya Bank has consistently outperformed the BSE500 index over the last three years, reinforcing its status as a reliable growth stock within the private sector banking space.
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Sector and Market Dynamics
The private sector banking industry has shown resilience and growth, with the sector gaining 2.52% on the day Karur Vysya Bank reached its new high. While the broader market experienced some volatility, mega-cap stocks led the Sensex’s 2.5% gain, indicating selective strength across market capitalisation segments.
Karur Vysya Bank’s ability to outperform the sector over the past year by a wide margin highlights its competitive positioning and operational effectiveness within the private banking domain.
The stock’s upward momentum is supported by its consistent quarterly earnings growth, strong capital adequacy, and increasing institutional interest, factors that have collectively driven the price to its current peak.
Summary of Key Metrics
To summarise, Karur Vysya Bank Ltd. has achieved a new 52-week high of Rs.322.65, reflecting a 56.16% gain over the past year. The stock’s strong fundamentals include a Tier 1 Capital Adequacy Ratio of 15.34%, a record quarterly PAT of Rs.689.96 crores, and a high institutional holding of 57.09%. Its Mojo Grade was upgraded to Buy in December 2025, supported by a Mojo Score of 78.0. Despite a premium valuation with a Price to Book Value of 2.2, the bank’s consistent earnings growth and market outperformance underscore its robust position in the private sector banking industry.
As the stock continues to trade above all major moving averages and maintains positive momentum, Karur Vysya Bank Ltd. stands out as a noteworthy performer in the current market environment.
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