Stock Performance and Market Position
On 1 Jan 2026, Karur Vysya Bank Ltd. recorded an intraday high of ₹271.60, just 0.43% shy of its 52-week high of ₹271.65. The stock closed with a gain of 2.90% for the day, outperforming the Sensex which marginally declined by 0.03%. This marks the third consecutive day of gains, during which the stock has appreciated by 6.2%, demonstrating strong momentum in the short term.
Over longer periods, the stock’s performance has been notably impressive. It has delivered returns of 8.48% over the past week and 7.00% in the last month, significantly outperforming the Sensex’s negative returns of -0.25% and -0.53% respectively. Over three months, the stock surged by 28.89%, compared to the Sensex’s 5.20% gain. The one-year return stands at a remarkable 44.60%, dwarfing the Sensex’s 8.51% increase.
Karur Vysya Bank Ltd. has also demonstrated exceptional long-term growth, with three-year returns of 188.83% and five-year returns soaring to 611.22%. Even over a decade, the stock has appreciated by 292.50%, outpacing the Sensex’s 225.65% gain in the same period. These figures place the bank among the top performers in the private sector banking space.
Technical Indicators and Market Sentiment
The stock is trading above all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, signalling a strong bullish trend. Its outperformance relative to the private sector banking sector by 2.62% today further highlights its robust market position. The market capitalisation grade assigned to the stock is 3, reflecting its solid standing among peers.
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Financial Strength and Quality Metrics
Karur Vysya Bank Ltd. maintains a strong financial profile, supported by prudent lending practices and robust capital buffers. The bank’s Gross Non-Performing Assets (NPA) ratio stands at a low 0.76%, indicating effective credit risk management. Its Capital Adequacy Ratio (CAR) is a healthy 15.95%, well above regulatory requirements, providing a substantial cushion against potential asset risks.
Net profit growth has been impressive, with an annualised rate of 45.83%, reflecting the bank’s ability to generate consistent earnings growth. The company has reported positive results for 17 consecutive quarters, underscoring its operational stability and profitability. Operating cash flow for the year reached a peak of ₹4,487.08 crore, while the dividend per share (DPS) also hit a record high of ₹2.60, signalling strong shareholder returns.
Interest earned in the most recent quarter was ₹2,807.97 crore, the highest recorded, further demonstrating the bank’s expanding core income base. Institutional holdings remain elevated at 55.79%, with a 0.9% increase over the previous quarter, reflecting confidence from well-informed investors with significant analytical resources.
Market Recognition and Ratings
Karur Vysya Bank Ltd. is rated highly by MarketsMojo, with a Mojo Score of 72.0 and a Mojo Grade upgraded from Hold to Buy as of 9 Dec 2025. This upgrade reflects improved fundamentals and market positioning. The bank is ranked among the top 1% of over 4,000 companies rated by MarketsMojo, highlighting its elite status in terms of quality and performance metrics.
Consistent returns over the last three years, including outperforming the BSE500 index in each of the last three annual periods, further validate the bank’s strong market credentials.
Valuation and Profitability Considerations
Despite the strong performance, the stock trades at a premium valuation with a Price to Book Value of 2. The Return on Assets (ROA) is 1.6%, reflecting efficient utilisation of assets to generate profits. The company’s Price/Earnings to Growth (PEG) ratio stands at 0.7, indicating that the stock’s price growth is reasonably aligned with its earnings growth, which rose by 16.9% over the past year.
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Summary of the Stock’s Journey
Karur Vysya Bank Ltd.’s journey to its all-time high has been marked by consistent financial discipline, strong earnings growth, and effective risk management. The stock’s sustained outperformance relative to the broader market and its sector peers reflects the bank’s ability to deliver value over multiple time horizons. Its robust capital adequacy and low NPA levels have provided a solid foundation for growth, while institutional investor confidence has steadily increased.
The bank’s ability to generate strong operating cash flows and maintain a rising dividend payout further exemplifies its financial health. The recent upgrade in its Mojo Grade to Buy by MarketsMojo confirms the improved quality and outlook of the company’s fundamentals.
While the stock commands a premium valuation, this is supported by its superior growth rates and consistent profitability. The balance between valuation and earnings growth, as indicated by the PEG ratio, suggests that the market has recognised the bank’s quality and growth prospects appropriately.
Overall, Karur Vysya Bank Ltd.’s attainment of an all-time high stock price is a testament to its enduring strength and resilience in the competitive private sector banking industry.
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