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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Mar'24

Interest Earned

2,807.97

2,568.55

2,515.93

2,488.62

2,386.53

2,284.53

2,187.05

Income On Investments

467.18

417.51

421.40

422.76

393.22

385.09

353.65

Interest On Balances With Rbi Other Inter Bank Funds

7.11

15.52

9.82

2.32

3.71

4.27

3.64

Interest / Discount On Advances / Bills

2,329.21

2,130.63

2,080.45

2,058.07

1,978.66

1,888.04

1,824.88

Others

4.47

4.89

4.26

5.47

10.94

7.13

4.88

Other Income

512.32

447.25

509.33

464.82

469.48

388.35

626.37

Total Income

3,320.29

3,015.80

3,025.26

2,953.44

2,856.01

2,672.88

2,813.42

Interest Expended

1,546.79

1,489.20

1,426.67

1,407.22

1,324.05

1,260.18

1,189.11

Net Interest Income

1,261.18

1,079.35

1,089.26

1,081.40

1,062.48

1,024.35

997.94

Total Expenditure (Excl Depreciation)

756.12

721.10

763.62

730.95

715.72

666.85

757.40

Employee Cost

365.13

364.94

384.93

373.82

357.00

333.46

439.75

Other Operating Expenses

390.99

356.16

378.69

357.13

358.72

333.39

317.65

Operating Profit Before Provisions and Contingencies

1,017.38

805.50

834.97

815.27

816.24

745.85

866.91

Exceptional Items

0.00

Provisions and contingencies

274.37

118.14

161.40

147.44

179.83

132.94

293.41

Profit Before Tax

743.01

687.36

673.57

667.83

636.41

612.91

573.50

Tax

169.05

165.91

160.21

171.80

162.81

154.26

117.40

Profit After Tax

573.96

521.45

513.36

496.03

473.60

458.65

456.10

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

573.96

521.45

513.36

496.03

473.60

458.65

456.10

Face Value

2.0

Reserves

0.00

Earnings per share (EPS)

5.94

5.4

5.31

5.13

4.9

5.7

4.73

Diluted Earnings per share

5.94

5.39

5.31

5.13

4.9

5.7

4.72

Operating Profit Margin (Excl OI)

63.3%

67.33%

63.23%

64.7%

62.47%

64.99%

51.95%

Gross Profit Margin

26.46%

26.76%

26.77%

26.84%

26.67%

26.83%

26.22%

PAT Margin

20.44%

20.3%

20.4%

19.93%

19.84%

20.08%

20.85%

Net Interest Margin

3.77%

3.86%

4.05%

4.03%

4.11%

4.14%

4.19%

Return on Assets

0.0%

CASA (%)

27.65%

27.48%

27.27%

28.41%

29.46%

30.37%

30.0%

CASA Amount

30,555.00

29,306.00

27,832.00

28,167.00

28,232.00

28,042.00

27,085.00

Capital Adequacy Ratio (Total)

16.58%

17.36%

18.17%

15.91%

16.28%

16.47%

16.67%

Capital Adequacy Ratio (Tier 1)

0.0%

16.33%

17.12%

15.03%

15.39%

15.58%

15.46%

Provision Coverage Ratio (%)

96.76%

96.81%

96.87%

96.09%

94.91%

94.85%

Amount of Gross NPAs

708.00

592.60

641.80

690.92

885.61

1,024.53

1,041.64

Amount of Net NPAs

176.00

170.26

166.21

166.69

219.22

293.66

297.97

% of Net NPAs

0.19%

0.2%

0.28%

0.38%

0.4%

% of Gross NPAs

0.76%

0.66%

0.76%

0.83%

1.1%

1.32%

1.4%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2225.0

2226.0

2252.0

2197.0

2208.0

2253.0

2262.0

Number of Branches

895.0

888.0

866.0

841.0

840.0

838.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Sep 2025 is 9.32% vs 2.09% in Jun 2025

Net Profit

QoQ Growth in quarter ended Sep 2025 is 10.07% vs 1.58% in Jun 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is 26.30% vs -3.53% in Jun 2025

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is 0.00% vs -0.01% in Jun 2025

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is 0.10% vs -0.10% in Jun 2025

Compare Quarterly Results Of Karur Vysya Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

2,807.97

6,742.16

-3,934.19

-58.35%

Income On Investments

467.18

1,168.41

-701.23

-60.02%

Interest On Balances With Rbi Other Inter Bank Funds

7.11

110.90

-103.79

-93.59%

Interest / Discount On Advances / Bills

2,329.21

5,383.40

-3,054.19

-56.73%

Others

4.47

79.45

-74.98

-94.37%

Other Income

512.32

1,082.17

-569.85

-52.66%

Total Income

3,320.29

7,824.33

-4,504.04

-57.56%

Interest Expended

1,546.79

4,246.92

-2,700.13

-63.58%

Net Interest Income

1,261.18

2,495.24

-1,234.06

-49.46%

Total Expenditure (Excl Depreciation)

756.12

1,933.24

-1,177.12

-60.89%

Employee Cost

365.13

803.44

-438.31

-54.55%

Other Operating Expenses

390.99

1,129.80

-738.81

-65.39%

Operating Profit Before Provisions and Contingencies

1,017.38

1,644.17

-626.79

-38.12%

Exceptional Items

0.00

Provisions and contingencies

274.37

363.09

-88.72

-24.43%

Profit Before Tax

743.01

1,281.08

-538.07

-42.0%

Tax

169.05

325.82

-156.77

-48.12%

Profit After Tax

573.96

955.26

-381.30

-39.92%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

573.96

955.26

-381.30

-39.92%

Face Value

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

5.94

3.88

2.06

53.09%

Diluted Earnings per share

5.94

3.85

2.09

54.29%

Operating Profit Margin (Excl OI)

63.30%

65.94%

0.00

-2.64%

Gross Profit Margin

26.46%

19.00%

0.00

7.46%

PAT Margin

20.44%

14.17%

0.00

6.27%

Net Interest Margin

3.77%

3.06%

0.71

0.71%

Return on Assets

0.00%

0.27%

-0.27

-0.27%

CASA (%)

27.65%

31.01%

-3.36

-3.36%

CASA Amount

30,555.00

89,591.00

-59,036.00

-65.9%

Capital Adequacy Ratio (Total)

16.58%

15.71%

0.87

0.87%

Capital Adequacy Ratio (Tier 1)

0.00%

14.37%

-14.37

-14.37%

Provision Coverage Ratio (%)

96.76%

73.45%

23.31

23.31%

Amount of Gross NPAs

708.00

4,532.01

-3,824.01

-84.38%

Amount of Net NPAs

176.00

1,165.16

-989.16

-84.89%

% of Net NPAs

0.19%

0.48%

-0.29

-0.29%

% of Gross NPAs

0.76%

1.83%

-1.07

-1.07%

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

2,225.00

2,082.00

143.00

6.87%

Number of Branches

895.00

1,595.00

-700.00

-43.89%

Quarterly - Interest Earned

Interest Earned 2807.97 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 9.32% vs 2.09% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 17.66% vs 19.5% in Sep 2024

Quarterly - Net Profit

Net Profit 573.96 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 10.07% vs 1.58% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 21.19% vs 25.14% in Sep 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,017.38 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 26.30% vs -3.53% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 24.64% vs 27.96% in Sep 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.19%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is 0.00% vs -0.01% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -0.09% vs -0.19% in Sep 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 0.76%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is 0.10% vs -0.10% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -0.34% vs -0.63% in Sep 2024