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Karur Vysya Bank: Q2 FY27 Profit Up 37%, Ratios Inside Guidance

Results reported 15 October 2026 | Private bank

The Quick Take

Karur Vysya Bank’s Q2 FY27 net profit rose 37% year on year to Rs 788 cr, and 4% quarter on quarter. Net interest income rose 19% to Rs 1,497 cr. Asset quality improved, with GNPA at 0.69%.

Q2 FY27 snapshot (Rs crore)

MetricQ2 FY27Comparison
Net profit788+37% YoY (Q2 FY26: 573.96)
Net interest income1,497+19% YoY
Total income3,670.21Q2 FY26: 3,320.29
GNPA / NNPA0.69% / 0.18%Q1: 0.74% / 0.19%
NIM / ROA / ROE4.26% / 2.10% / 20.47%
EPSRs 8.15Rs 5.94 a year earlier

Balance sheet

Gross advances Rs 1.12 lakh cr (+20% YoY); deposits Rs 1.28 lakh cr (+16%); CASA 27.52%; CRAR 17.97%; PCR 96.13%; credit cost 0.43%.

Guidance and tracking

FY27 targets stated by the bank: credit growth of 18 to 20%, NIM above 4%, ROA above 2%, cost-to-income below 45%, GNPA below 1.5%, and 50 new branches (20 opened in H1). On the sourced figures, the bank is on track for all of them.

Risks

  • Other income fell 9% YoY in H1.
  • NIM guidance implies normalisation from 4.26%.
  • Concentration risk as advances grow.

Setup

Neutral. Ratios are strong on sourced data, and guidance looks conservative against the run-rate.

This is educational analysis, not personalized investment advice. Do your own research before investing.

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