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

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

2,903.65

2,794.18

2,807.97

2,568.55

2,515.93

2,488.62

2,386.53

Income On Investments

501.41

497.82

467.18

417.51

421.40

422.76

393.22

Interest On Balances With Rbi Other Inter Bank Funds

11.23

5.23

7.11

15.52

9.82

2.32

3.71

Interest / Discount On Advances / Bills

2,365.16

2,286.37

2,329.21

2,130.63

2,080.45

2,058.07

1,978.66

Others

25.85

4.76

4.47

4.89

4.26

5.47

10.94

Other Income

615.80

508.95

512.32

447.25

509.33

464.82

469.48

Total Income

3,519.45

3,303.13

3,320.29

3,015.80

3,025.26

2,953.44

2,856.01

Interest Expended

1,544.88

1,554.93

1,546.79

1,489.20

1,426.67

1,407.22

1,324.05

Net Interest Income

1,358.77

1,239.25

1,261.18

1,079.35

1,089.26

1,081.40

1,062.48

Total Expenditure (Excl Depreciation)

727.81

742.86

756.12

721.10

763.62

730.95

715.72

Employee Cost

340.75

363.22

365.13

364.94

384.93

373.82

357.00

Other Operating Expenses

387.06

379.64

390.99

356.16

378.69

357.13

358.72

Operating Profit Before Provisions and Contingencies

1,246.76

1,005.34

1,017.38

805.50

834.97

815.27

816.24

Exceptional Items

0.00

Provisions and contingencies

257.66

104.77

274.37

118.14

161.40

147.44

179.83

Profit Before Tax

989.10

900.57

743.01

687.36

673.57

667.83

636.41

Tax

264.14

210.61

169.05

165.91

160.21

171.80

162.81

Profit After Tax

724.96

689.96

573.96

521.45

513.36

496.03

473.60

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

724.96

689.96

573.96

521.45

513.36

496.03

473.60

Face Value

2.0

Reserves

0.00

Earnings per share (EPS)

7.5

7.14

5.94

5.4

5.31

5.13

4.9

Diluted Earnings per share

7.5

7.14

5.94

5.39

5.31

5.13

4.9

Operating Profit Margin (Excl OI)

66.06%

69.66%

63.3%

67.33%

63.23%

64.7%

62.47%

Gross Profit Margin

34.06%

32.23%

26.46%

26.76%

26.77%

26.84%

26.67%

PAT Margin

24.97%

24.69%

20.44%

20.3%

20.4%

19.93%

19.84%

Net Interest Margin

4.25%

3.99%

3.77%

3.86%

4.05%

4.04%

4.11%

Return on Assets

0.0%

CASA (%)

26.91%

27.23%

27.65%

27.48%

27.27%

28.41%

29.46%

CASA Amount

31,122.00

31,199.00

30,555.00

29,306.00

27,832.00

28,167.00

28,232.00

Capital Adequacy Ratio (Total)

18.76%

16.05%

16.58%

17.36%

18.17%

15.91%

16.28%

Capital Adequacy Ratio (Tier 1)

17.72%

15.06%

15.58%

16.33%

17.12%

15.03%

15.39%

Provision Coverage Ratio (%)

96.45%

96.56%

96.76%

96.81%

96.87%

96.09%

Amount of Gross NPAs

743.91

686.94

708.00

592.60

641.80

690.92

885.61

Amount of Net NPAs

186.21

183.29

175.75

170.26

166.21

166.69

219.22

% of Net NPAs

0.19%

0.2%

0.28%

% of Gross NPAs

0.75%

0.71%

0.76%

0.66%

0.76%

0.83%

1.1%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2213.0

2211.0

2225.0

2226.0

2252.0

2197.0

2208.0

Number of Branches

901.0

898.0

895.0

888.0

866.0

841.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Mar 2026 is 3.92% vs -0.49% in Dec 2025

Net Profit

QoQ Growth in quarter ended Mar 2026 is 5.07% vs 20.21% in Dec 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Mar 2026 is 24.01% vs -1.18% in Dec 2025

% of Net NPAs

QoQ Growth in quarter ended Mar 2026 is 0.00% vs 0.00% in Dec 2025

% of Gross NPAs

QoQ Growth in quarter ended Mar 2026 is 0.04% vs -0.05% in Dec 2025

Compare Quarterly Results Of Karur Vysya Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

2,903.65

5,428.43

-2,524.78

-46.51%

Income On Investments

501.41

601.43

-100.02

-16.63%

Interest On Balances With Rbi Other Inter Bank Funds

11.23

31.39

-20.16

-64.22%

Interest / Discount On Advances / Bills

2,365.16

4,654.47

-2,289.31

-49.19%

Others

25.85

141.14

-115.29

-81.68%

Other Income

615.80

770.69

-154.89

-20.1%

Total Income

3,519.45

6,199.13

-2,679.68

-43.23%

Interest Expended

1,544.88

2,632.84

-1,087.96

-41.32%

Net Interest Income

1,358.77

2,795.59

-1,436.82

-51.4%

Total Expenditure (Excl Depreciation)

727.81

2,125.13

-1,397.32

-65.75%

Employee Cost

340.75

1,158.40

-817.65

-70.58%

Other Operating Expenses

387.06

966.73

-579.67

-59.96%

Operating Profit Before Provisions and Contingencies

1,246.76

1,441.16

-194.40

-13.49%

Exceptional Items

0.00

Provisions and contingencies

257.66

677.01

-419.35

-61.94%

Profit Before Tax

989.10

764.15

224.95

29.44%

Tax

264.14

230.01

34.13

14.84%

Profit After Tax

724.96

534.14

190.82

35.72%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

724.96

534.14

190.82

35.72%

Face Value

2.00

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

7.50

3.32

4.18

125.9%

Diluted Earnings per share

7.50

3.31

4.19

126.59%

Operating Profit Margin (Excl OI)

66.06%

48.38%

0.00

17.68%

Gross Profit Margin

34.06%

14.08%

0.00

19.98%

PAT Margin

24.97%

9.84%

0.00

15.13%

Net Interest Margin

4.25%

6.20%

-1.95

-1.95%

Return on Assets

0.00%

0.27%

-0.27

-0.27%

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%

Quarterly - Interest Earned

Interest Earned 2903.65 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 3.92% vs -0.49% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 15.41% vs 15.04% in Mar 2025

Quarterly - Net Profit

Net Profit 724.96 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 5.07% vs 20.21% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 41.22% vs 12.55% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,246.76 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 24.01% vs -1.18% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 49.32% vs -3.68% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.19%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is 0.00% vs 0.00% in Dec 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 0.75%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is 0.04% vs -0.05% in Dec 2025

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