Stock Performance and Market Context
On 27 Jan 2026, Karur Vysya Bank Ltd. (Stock ID: 124359) demonstrated remarkable strength in the equity markets, closing with a gain of 6.27% for the day. This performance notably outpaced the Sensex, which declined by 0.47% on the same day. The stock opened with a gap up of 2.86%, signalling strong buying interest from the outset. Over the last three trading sessions, the stock has delivered an 8.77% return, maintaining a consistent upward momentum.
The bank’s shares traded with high volatility today, registering an intraday volatility of 74.78%, reflecting active trading and investor engagement. The stock also outperformed its sector by 4.86%, highlighting its relative strength within the private sector banking space.
Karur Vysya Bank is currently trading above all key moving averages – 5-day, 20-day, 50-day, 100-day, and 200-day – a technical indicator of sustained bullish momentum. It is also just 1.41% shy of its 52-week high of ₹280.5, signalling proximity to its peak valuation levels.
Long-Term Returns and Comparative Analysis
The bank’s stock has delivered exceptional returns over multiple time horizons, significantly outperforming the broader market benchmarks. Over the past year, it has generated a remarkable 52.56% return compared to the Sensex’s 7.68%. Year-to-date, the stock has gained 6.98%, while the Sensex has declined by 4.77%.
Looking further back, the three-year return stands at an impressive 225.75%, dwarfing the Sensex’s 36.78% gain over the same period. The five-year performance is even more striking, with a 660.09% increase against the Sensex’s 71.17%. Over a decade, the stock has appreciated by 356.75%, outperforming the Sensex’s 231.34% growth.
This consistent outperformance places Karur Vysya Bank among the elite performers in the private sector banking industry and the broader BSE500 index, where it has outpaced peers in each of the last three annual periods.
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Financial Strength and Quality Metrics
Karur Vysya Bank’s robust financial health is reflected in several key metrics. The bank maintains a low Gross Non-Performing Asset (NPA) ratio of 0.71%, indicating prudent lending practices and effective risk management. Its Capital Adequacy Ratio stands at a healthy 15.34%, providing substantial buffers against risk-weighted assets and reinforcing its financial stability.
Net profit growth has been impressive, with an annualised rate of 46.67%, underscoring the bank’s ability to expand profitability consistently. The company has reported positive results for 18 consecutive quarters, a testament to its operational resilience and steady earnings momentum.
In the most recent quarter, the bank posted its highest-ever Profit After Tax (PAT) of ₹689.96 crores, alongside a record Profit Before Tax less Other Income (PBT less OI) of ₹391.62 crores. Earnings Per Share (EPS) also reached a peak of ₹7.14, highlighting strong shareholder value creation.
Institutional Confidence and Market Recognition
Institutional investors hold a significant 57.09% stake in Karur Vysya Bank, reflecting confidence from entities with extensive analytical resources. This institutional holding has increased by 1.3% over the previous quarter, signalling growing endorsement from sophisticated market participants.
The bank’s performance and quality have earned it a Mojo Score of 72.0, with a current Mojo Grade of Buy, upgraded from Hold on 9 Dec 2025. It is ranked among the top 1% of all 4,000 stocks rated by MarketsMojo, underscoring its elite status in the Indian equity universe.
Valuation and Risk Considerations
Despite its strong fundamentals, Karur Vysya Bank’s valuation metrics indicate a premium positioning. The stock trades at a Price to Book Value of 2, which is higher than the average historical valuations of its peers. Its Return on Assets (ROA) stands at 1.8%, reflecting efficient asset utilisation but also contributing to its relatively elevated valuation.
Over the past year, while the stock price has surged by 52.56%, profits have increased by 22%, resulting in a Price/Earnings to Growth (PEG) ratio of 0.5. This suggests that the market is pricing in strong growth expectations relative to earnings expansion.
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Summary of the Journey to the All-Time High
Karur Vysya Bank’s ascent to its all-time high price is the culmination of sustained earnings growth, disciplined capital management, and strong market positioning within the private sector banking industry. The bank’s ability to consistently deliver positive quarterly results over 18 consecutive periods has built a foundation of trust and reliability.
Its superior returns relative to the Sensex and BSE500 indices over multiple time frames highlight the stock’s resilience and appeal. The combination of strong institutional backing, prudent risk metrics, and a solid capital base has supported this upward trajectory.
While the stock currently trades at a premium, this reflects the market’s recognition of its quality and growth prospects. The recent upgrade in its Mojo Grade from Hold to Buy further validates the bank’s improved standing among equity analysts.
As Karur Vysya Bank Ltd. celebrates this milestone, its all-time high stock price stands as a testament to its robust financial health and consistent performance in a competitive sector.
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