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Tamil Nadu-based old private sector bank offering retail, SME and agricultural banking across South India.
Tamil Nadu-based old private sector bank offering retail, SME and agricultural banking across South India.
Earns mainly from the spread between lending rates and deposit costs, with a loan book that leans toward small businesses and farm credit. Tamil Nadu supplies most of its branches and business, with the bank expanding into other states.
In one line: A regional South Indian community bank.
Moat: narrow (scale, distribution). Deep branch network and customer relationships built over a century in Tamil Nadu.
Headquarters: Karur, India · Founded: 1916 · Employees: 9,883
Size Karur Vysya Bank (KARURVYSYA.NS) is an India Financials company (Regional Banks) with a market value of $3.80B, the 249th largest of 1,058 India companies the cockpit tracks. Shares closed at ₹370.05 on 6 Nov 2026.
Performance Over six months the shares gained 18.0%, against +6.3% for the median peer and 0.0% for the India market (cap-weighted) — highest of 21 in its peer set.
Growth Revenue grew 13.6% over the last twelve months (peer median +13.2%); the operating margin is 52.4% (peer median 42.3%).
Valuation It trades at 2.32× book value against a peer median of 1.22× (most expensive of 21).
Price implies The share price implies a return on equity of about 30.7%; Karur Vysya Bank delivers 21.0%, so the price asks more than the business earns today.
Next results Next results expected around 25 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹140B | ₹126B | ₹110B | ₹95.1B | ₹74.7B |
| Revenue growth | — | +14% | +15% | +27% | — |
| Net income | ₹29.6B | ₹25.1B | ₹19.4B | ₹16.0B | ₹11.1B |
| Free cash flow | n/a | ₹28.4B | ₹28.7B | ₹15.9B | ₹26.1B |
| Capital expenditure | n/a | ₹1.52B | ₹1.72B | ₹981M | ₹622M |
| Total debt | ₹23.2B | ₹36.5B | ₹12.6B | ₹31.5B | ₹16.4B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Karur Vysya Bank KARURVYSYA.NS | $3.80B | +18% | +14% | 21% | 2.32× | 30.7% |
| City Union Bank CUB.NS | $2.31B | +8% | +22% | 14% | 1.94× | 29.8% |
| Tamilnad Mercantile Bank TMB.NS | $1.39B | +11% | +18% | 16% | 1.22× | 14.6% |
| Federal Bank Ltd. (India) FEDERALBNK.NS | $8.81B | +14% | +11% | 13% | 1.97× | 27.7% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | KARURVYSYA.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +12.1% | +1.4% | highest of 21 |
| 6-month return | +18.0% | +6.3% | highest of 21 |
| Return on equity | 21.0% | 9.1% | highest of 21 |
| Price / book | 2.32× | 1.22× | most expensive of 21 |
| Trailing P/E | 12.1× | 11.8× | 8th most expensive of 19 |
| ROE the price implies | 30.7% | 9.5% | most demanding of 20 |
| ROE delivered | 21.0% | 9.3% | highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Karur Vysya Bank KARURVYSYA.NS | India | $3.80B | +18% | +14% | 21% | 2.32× | 30.7% | 21.0% |
| EQB EQB.TO | Canada | $3.79B | +3% | -4% | 0% | 1.44× | 12.8% | -0.1% |
| Chugin Financial Group,Inc 5832.T | Japan | $3.76B | +10% | +34% | 8% | 0.86× | 6.5% | 8.3% |
| BancFirst BANF | United States | $3.87B | +2% | -3% | 14% | 1.94× | 12.7% | 13.6% |
| Hirogin 7337.T | Japan | $3.89B | +9% | +26% | 8% | 0.99× | 7.4% | 8.2% |
| WesBanco WSBC | United States | $3.70B | +13% | +17% | 9% | 0.96× | 8.2% | 8.8% |
| First Bancorp FBP | United States | $3.92B | +8% | +3% | 19% | 2.09× | 15.7% | 19.4% |
| Independent Bank INDB | United States | $3.94B | +8% | +25% | 9% | 1.14× | 9.5% | 9.3% |
| CVB Financial CVBF | United States | $3.99B | +12% | +23% | 9% | 1.27× | 9.8% | 8.6% |
| Zuger Kantonalbank ZUGER.SW | Switzerland | $4.04B | +8% | -10% | 8% | 2.03× | n/a | 8.3% |
| Twenty One Capital XXI | United States | $3.57B | -36% | n/a | -12% | 1.38× | 7.6% | n/a |
| Renasant RNST | United States | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% | 8.7% |
| Yamaguchi Financial 8418.T | Japan | $3.54B | +6% | +19% | 6% | 0.84× | 5.8% | 5.7% |
| Bank Handlowy w Warszawie BHW.WA | Poland | $4.09B | +7% | -22% | 17% | 1.72× | 17.1% | 16.7% |
| First Interstate BancSystem FIBK | United States | $3.50B | +4% | -4% | 10% | 1.12× | 9.0% | 9.5% |
| Jiangsu Changshu Rural Commercial Bank 601128.SS | China | $3.48B | -4% | -1% | 14% | 0.67× | 2.5% | 13.8% |
| Nishi-Nippon Financial 7189.T | Japan | $3.47B | +3% | +28% | 8% | 0.88× | 6.9% | 7.8% |
| International Bancshares IBOC | United States | $4.20B | -8% | +2% | 13% | 1.25× | 9.8% | 12.9% |
| First Financial Bancorp FFBC | United States | $3.43B | +6% | +13% | 11% | 1.19× | 10.9% | 10.7% |
| Mechanics Bancorp MCHB | United States | $3.41B | -1% | +131% | 10% | 1.33× | 14.8% | 10.2% |
| Cathay General Bancorp CATY | United States | $4.24B | +12% | +3% | 12% | 1.39× | 11.8% | 12.2% |