Operates as a private-sector bank that takes deposits and lends across retail, corporate and treasury operations. Retail banking (excluding digital) accounts for 65.6% of segment revenue at Rs 5,567.23 crore for the period to December 2024, driven by retail loans, deposits and small-business advances; gold loans alone are about 30% of the advances book. Corporate and wholesale banking contributes 17.9% (Rs 1,515.3 crore) from lending to corporate clients, and together retail, agriculture and MSME (RAM) accounts for 86% of advances with corporate at 14%. Treasury brings in 15.2% (Rs 1,289.47 crore) from the bank's investment portfolio. The bank runs 901 branches across 20 states and 2 union territories with 9,883 employees; as of June 2026, total business stood at Rs 2,27,267 crore (advances Rs 1,04,680 crore, deposits Rs 1,22,587 crore, CASA Rs 33,777 crore). Asset quality is clean (gross NPA 0.74%, net NPA 0.19%, capital adequacy 18.61%) and net interest margin held at 4.26% in Q1 FY27; the bank is rated AA with stable outlook by ICRA. Fifty new branches are planned for FY27 versus 13 added in FY26, and the largest input cost is interest paid on deposits, with term-deposit repricing flagged as pressure even as CASA mobilisation is being pushed. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Other Retail Banking (66%), Corporate/Wholesale Banking (18%), Treasury (15%), Other Banking Operations (1%), Retail Banking Digital (0%). Private-sector bank with a retail-heavy, gold-loan-skewed advances book and a southern India franchise
| ₹ crore · consolidated | FY24 | FY25 | FY26 |
|---|---|---|---|
| Revenue | — | — | — |
| EBITDA (ex other income) | — | — | — |
| margin % | — | — | — |
| Owners' profit | 1,605 | 1,942 | 2,510 |
| EPS, as reported (₹) | 19.90 | 24.13 | 25.98 |
| ROE % · ROCE % | — · — | — · — | — · — |
| Debt / equity (x) | — | — | — |
| Cash from operations | 2,954 | 4,487 | (554) |
| Capex | — | — | — |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Profit before tax | 636 | 668 | 674 | 687 | 743 | 901 | 989 | 1,005 |
| Net profit | 474 | 496 | 513 | 521 | 574 | 690 | 725 | 756 |
| EPS (₹) | 5.89 | 6.16 | 6.38 | 6.48 | 5.94 | 7.14 | 7.50 | 7.82 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| HDFC BANK LTD | 10,90,797 | 13.8 | — | — | — | — | — | — |
| ICICI BANK LTD. | 9,89,606 | 17.6 | — | — | — | — | — | — |
| KOTAK MAHINDRA BANK LTD | 4,16,767 | 10.9 | — | — | — | — | — | — |
| AXIS BANK LIMITED | 3,87,606 | 13.9 | — | — | — | — | — | — |
| IDBI BANK LIMITED |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 10 Sept 2026 · UFBU strike call on 11 Sept may affect bank operations | business updates | medium | — | — |
| 4 Sept 2026 · Karur Vysya Bank receives ESG Rating of 80 from NSE Sustainability | business updates | medium | — | — |
| 4 Sept 2026 · KVB: Outcome of institutional investor meet disclosed | investor communications | low | — | — |
| 4 Sept 2026 · KVB grants ESOS 2018 options to MD and CEO and Executive Director | management changes | medium | — | — |
| 3 Sept 2026 · KVB concludes Ashwamedh Elara India Dialogue 2026 investor meet | investor communications | low | — | — |
| 3 Sept 2026 · KVB grants ESOS options to MD and Executive Director | capital market events | medium | — | — |
| 3 Sept 2026 · Bank gets ESG Rating 80 and Core Rating 81 for FY 2025-26 | business updates | medium | — | — |
| 3 Sept 2026 · Newspaper ad on special window for dematerialising physical shares | compliance | minimal | — | — |
| 2 Sept 2026 · ITAT sets aside Rs 40.34 crore income tax demand on Karur Vysya Bank | regulatory legal | high | — | — |
| 2 Sept 2026 · New CFO takes charge; outgoing CFO moves to COO role | management changes | high | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| 89,836 |
| 9.6 |
| — |
| — |
| — |
| — |
| — |
| — |
| FEDERAL BANK LTD | 85,024 | 18.1 | — | — | — | — | — | — |
| INDUSIND BANK LIMITED | 76,215 | 57.6 | — | — | — | — | — | — |
| IDFC FIRST BANK LIMITED | 74,268 | 33.2 | — | — | — | — | — | — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 11.8 | 12.4 | 10 of 20 | 53% |
| Profit growth | 44.9 | 29.5 | 4 of 20 | 84% |
| Market cap | 32421 | 48154 | 11 of 20 | 47% |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
