Karur Vysya Bank Ltd. Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

11,074.35

9,678.04

8,213.16

6,516.55

5,587.67

5,470.42

5,989.98

Income On Investments

1,883.92

1,622.47

1,331.01

1,099.13

924.78

941.79

1,149.67

Interest On Balances With Rbi Other Inter Bank Funds

39.09

20.12

22.05

82.60

134.33

68.29

140.76

Interest / Discount On Advances / Bills

9,111.37

8,007.65

6,851.05

5,326.95

4,525.48

4,453.54

4,665.05

Others

39.97

27.80

9.05

7.87

3.08

6.80

34.50

Other Income

2,084.32

1,829.55

1,649.47

1,158.94

769.06

918.82

1,154.62

Total Income

13,158.67

11,507.59

9,862.63

7,675.49

6,356.73

6,389.24

7,144.60

Interest Expended

6,135.80

5,418.12

4,394.74

3,167.74

2,872.30

3,110.91

3,642.04

Net Interest Income

4,938.55

4,259.92

3,818.42

3,348.81

2,715.37

2,359.51

2,347.94

Total Expenditure (Excl Depreciation)

2,947.89

2,877.14

2,638.75

2,031.96

1,854.22

1,986.83

1,741.71

Employee Cost

1,434.04

1,449.21

1,461.03

1,005.96

945.03

1,153.68

856.65

Other Operating Expenses

1,513.85

1,427.93

1,177.72

1,026.00

909.19

833.15

885.06

Operating Profit Before Provisions and Contingencies

4,074.98

3,212.33

2,829.14

2,475.79

1,630.21

1,291.50

1,760.85

Exceptional Items

0.00

Provisions and contingencies

754.94

621.60

728.95

1,038.93

699.29

757.13

1,488.67

Profit Before Tax

3,320.04

2,590.73

2,100.19

1,436.86

930.92

534.37

272.18

Tax

809.71

649.09

495.38

330.77

257.65

174.98

37.16

Profit After Tax

2,510.33

1,941.64

1,604.81

1,106.09

673.27

359.39

235.02

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

2,510.33

1,941.64

1,604.81

1,106.09

673.27

359.39

235.02

Face Value

2.0

Reserves

13,914.54

11,768.52

9,879.20

8,423.64

7,436.20

6,799.88

6,440.41

Earnings per share (EPS)

25.97

20.1

16.63

13.79

8.42

4.5

2.94

Diluted Earnings per share

25.97

20.1

16.64

13.78

8.41

4.5

2.94

Operating Profit Margin (Excl OI)

66.56%

63.85%

59.0%

52.88%

54.3%

49.84%

46.07%

Gross Profit Margin

29.98%

26.77%

25.57%

22.05%

16.66%

9.77%

4.54%

PAT Margin

22.67%

20.06%

19.54%

16.97%

12.05%

6.57%

3.92%

Net Interest Margin

3.97%

4.09%

4.19%

4.18%

3.72%

3.4%

3.44%

Return on Assets

0.0%

CASA (%)

26.91%

27.27%

30.39%

33.0%

35.0%

34.0%

0.0%

CASA Amount

31,122.00

27,832.00

27,085.00

25,449.00

23,904.00

21,654.00

18,507.00

Capital Adequacy Ratio (Total)

18.76%

18.17%

16.67%

18.56%

19.21%

18.98%

17.17%

Capital Adequacy Ratio (Tier 1)

17.72%

17.12%

15.46%

16.79%

17.27%

16.95%

15.27%

Provision Coverage Ratio (%)

96.45%

96.81%

94.85%

92.14%

80.27%

72.7%

68.9%

Amount of Gross NPAs

743.91

641.80

1,041.64

1,458.15

3,431.04

4,142.87

4,212.77

Amount of Net NPAs

186.21

166.21

297.97

468.15

1,260.79

1,719.39

1,808.65

% of Net NPAs

0.19%

0.2%

0.4%

0.74%

2.31%

3.41%

3.92%

% of Gross NPAs

0.75%

0.76%

1.4%

2.27%

6.03%

7.85%

8.68%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2213.0

2252.0

2262.0

2240.0

2223.0

2236.0

2224.0

Number of Branches

901.0

888.0

838.0

799.0

789.0

780.0

779.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 14.43% vs 17.84% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is 29.29% vs 20.99% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is 26.85% vs 13.54% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.01% vs -0.20% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -0.01% vs -0.64% in Mar 2025

Compare Annual Results Of Karur Vysya Bank With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

11,074.35

21,689.11

-10,614.76

-48.94%

Income On Investments

1,883.92

2,637.33

-753.41

-28.57%

Interest On Balances With Rbi Other Inter Bank Funds

39.09

81.87

-42.78

-52.25%

Interest / Discount On Advances / Bills

9,111.37

18,547.16

-9,435.79

-50.87%

Others

39.97

422.76

-382.79

-90.55%

Other Income

2,084.32

2,734.02

-649.70

-23.76%

Total Income

13,158.67

24,423.14

-11,264.47

-46.12%

Interest Expended

6,135.80

10,859.42

-4,723.62

-43.5%

Net Interest Income

4,938.55

10,829.69

-5,891.14

-54.4%

Total Expenditure (Excl Depreciation)

2,947.89

7,698.79

-4,750.90

-61.71%

Employee Cost

1,434.04

4,492.74

-3,058.70

-68.08%

Other Operating Expenses

1,513.85

3,206.05

-1,692.20

-52.78%

Operating Profit Before Provisions and Contingencies

4,074.98

5,864.92

-1,789.94

-30.52%

Exceptional Items

0.00

Provisions and contingencies

754.94

4,131.11

-3,376.17

-81.73%

Profit Before Tax

3,320.04

1,733.81

1,586.23

91.49%

Tax

809.71

510.25

299.46

58.69%

Profit After Tax

2,510.33

1,223.56

1,286.77

105.17%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

2,510.33

1,223.56

1,286.77

105.17%

Face Value

2.00

10.00

0.00

Reserves

13,914.54

23,645.34

-9,730.80

-41.15%

Earnings per share (EPS)

25.97

7.60

18.37

241.71%

Diluted Earnings per share

25.97

7.59

18.38

242.16%

Operating Profit Margin (Excl OI)

66.56%

45.46%

0.00

21.10%

Gross Profit Margin

29.98%

7.99%

0.00

21.99%

PAT Margin

22.67%

5.64%

0.00

17.03%

Net Interest Margin

3.97%

6.10%

-2.13

-2.13%

Return on Assets

0.00%

0.64%

-0.64

-0.64%

CASA (%)

26.91%

29.30%

-2.39

-2.39%

CASA Amount

31,122.00

48,750.00

-17,628.00

-36.16%

Capital Adequacy Ratio (Total)

18.76%

18.04%

0.72

0.72%

Capital Adequacy Ratio (Tier 1)

17.72%

17.30%

0.42

0.42%

Provision Coverage Ratio (%)

96.45%

71.10%

25.35

25.35%

Amount of Gross NPAs

743.91

5,019.55

-4,275.64

-85.18%

Amount of Net NPAs

186.21

1,452.09

-1,265.88

-87.18%

% of Net NPAs

0.19%

0.97%

-0.78

-0.78%

% of Gross NPAs

0.75%

3.27%

-2.52

-2.52%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

2,213.00

438.00

1,775.00

405.25%

Number of Branches

901.00

1,955.00

-1,054.00

-53.91%

Annual - Interest Earned

Interest Earned 11074.35 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 14.43% vs 17.84% in Mar 2025

Annual - Net Profit

Net Profit 2,510.33 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 29.29% vs 20.99% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 4,074.98 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 26.85% vs 13.54% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.19%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.01% vs -0.20% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 0.75%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.01% vs -0.64% in Mar 2025