INTEGRATED FILING — BANKING
General information about company
| Scrip code |
590003 |
| NSE Symbol |
KARURVYSYA |
| MSEI Symbol |
NOTLISTED |
| ISIN |
INE036D01028 |
| Name of bank |
KARUR VYSYA BANK LIMITED |
| Class of security |
Equity |
| Date of start of financial year |
01-04-2026 |
| Date of end of financial year |
31-03-2027 |
| Date of board meeting when results were approved |
20-07-2026 |
| Date on which prior intimation of the meeting for considering financial results was
informed to the exchange |
25-06-2026 |
| Description of presentation currency |
INR |
| Level of rounding used in financial results |
Lakhs |
| Reporting Type |
Quarterly |
| Reporting Quarter |
First quarter |
| Nature of report standalone or consolidated |
Standalone |
| Whether results are audited or unaudited |
Unaudited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended |
|
| Segment Reporting |
Multi segment |
| Description of single segment |
|
| Start date and time of board meeting |
20-07-2026
12:45:00 |
| End date and time of board meeting |
20-07-2026 16:30:00
|
| Whether cash flow statement is applicable on company |
|
| Type of cash flow statement |
|
| Declaration of unmodified opinion or statement on impact of audit qualification |
Declaration of unmodified opinion |
| Whether statement on deviation or variation for proceeds of public issue, rights issue,
preferential issue, qualified institutions placement etc. is applicable to the company for the
current quarter? |
No |
| No. of times funds raised during the quarter |
|
| Whether the disclosure for the Default on Loans and Debt Securities is applicable to the
entity? |
No |
| There are no defaults of loans and debt securities. |
Financial Results - Banking
Amount in (Lakhs)
| Particulars |
3 months/ 6 months ended (dd-mm-yyyy) |
Year to date figures for current period ended (dd-mm-yyyy) |
| A |
Date of start of reporting period |
01-04-2026 |
01-04-2026 |
| B |
Date of end of reporting period |
30-06-2026 |
30-06-2026 |
| C |
Whether results are audited or unaudited |
Unaudited |
Unaudited |
| D |
Nature of report standalone or consolidated |
Standalone |
Standalone |
| 1 |
Interest earned
|
|
Interest or discount on advances or bills |
2,51,624.00 |
2,51,624.00 |
|
Income on investments |
51,065.00 |
51,065.00 |
|
Interest on balances with reserve bank of India and other inter bank funds
|
1,805.00 |
1,805.00 |
|
Others |
448.00 |
448.00 |
|
Total interest earned |
3,04,942.00 |
3,04,942.00 |
| 2 |
Other income |
44,179.00 |
44,179.00 |
| 3 |
Total income |
3,49,121.00 |
3,49,121.00 |
|
Expenses
|
| 4 |
Interest expenses |
1,62,667.00 |
1,62,667.00 |
| 5 |
Operating expenses
|
| (i) |
Employees cost |
39,927.00 |
39,927.00 |
| (ii) |
Details of other operating expenses
|
|
Description of other operating expenses
|
| 1 |
Rent, Taxes and Lighting |
7,055.00 |
7,055.00 |
| 2 |
Printing and Stationery |
440.00 |
440.00 |
| 3 |
Advertisement and Publicity |
106.00 |
106.00 |
| 4 |
Depreciation on bank's Property |
3,145.00 |
3,145.00 |
| 5 |
Directors' fees, allowance and expenses |
75.00 |
75.00 |
| 6 |
Auditors fees and Expenses |
94.00 |
94.00 |
| 7 |
Law Charges |
1.00 |
1.00 |
| 8 |
Postage, Telegrams & Telephones, Reparis and Maintenance etc., |
3,608.00 |
3,608.00 |
| 9 |
Insurance |
2,096.00 |
2,096.00 |
| 10 |
Other expenditure |
20,347.00 |
20,347.00 |
|
Total other operating Expenses |
36,967.00 |
36,967.00 |
|
Total Operating Expenses |
76,894.00 |
76,894.00 |
| 6 |
Total expenditure excluding provisions and contingencies
| 2,39,561.00 |
2,39,561.00 |
| 7 |
Operating profit before provision and contingencies |
1,09,560.00 |
1,09,560.00 |
| 8 |
Provisions other than tax and contingencies |
9,029.00 |
9,029.00 |
| 9 |
Exceptional items |
0.00 |
0.00 |
| 10 |
Total profit (loss) from ordinary activities before tax
| 1,00,531.00 |
1,00,531.00 |
| 11 |
Provision for Tax |
24,961.00 |
24,961.00 |
| 12 |
Net profit (loss) from ordinary activities after tax |
75,570.00 |
75,570.00 |
| 13 |
Extraordinary items net of tax expenses
| 0.00 |
0.00 |
| 14 |
Net profit (loss) for the period |
75,570.00 |
75,570.00 |
| 15 |
Share of profit (loss) of associates
| |
|
| 16
| Profit (loss) of minority interest
| |
|
| 17
| Net Profit (loss) after taxes minority interest and share of profit
(loss) of associates
| 75,570.00 |
75,570.00 |
|
| 18 |
Details of equity share capital [Abstract]
|
|
Paid-up equity share capital
| 19,333.00 |
19,333.00 |
|
Face value of equity share capital
| 2 |
2 |
| 19 |
Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) |
|
|
|
| 20 |
Analytical ratios |
| (i)
| Percentage of share held by government of India |
0 |
0 |
| (ii) |
Capital adequacy ratio
|
|
CET 1 ratio |
17.9800 |
17.9800 |
|
| Additional Tier 1 ratio |
0 |
0 |
| (iii) (a) |
Earnings per share before extraordinary items
|
|
Basic earnings per share before extraordinary items
| 7.82 |
7.82 |
|
Diluted earnings per share before extraordinary items
| 7.82 |
7.82 |
| (iii) (b) |
Earnings per share after extraordinary items
|
|
Basic earnings per share after extraordinary items
| 7.82 |
7.82 |
|
Diluted earnings per share after extraordinary items
| 7.82 |
7.82 |
| (iv) |
NPA Ratios
|
|
| Amount of gross non-performing assets
| 77,189.00 |
77,189.00 |
|
Amount of net non-performing assets
| 19,576.00 |
19,576.00 |
|
% of gross NPAs |
0.7400 |
0.7400 |
|
% of net NPAs
| 0.1900 |
0.1900 |
|
Return on assets
| 2.1100 |
2.1100 |
| 21 |
Disclosure of notes on financial results by banks
| |
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Amount in (Lakhs)
| Particulars |
3 months/ 6 months ended (dd-mm-yyyy) |
Year to date figures for current period ended (dd-mm-yyyy) |
| Date of start of reporting period |
01-04-2026 |
01-04-2026 |
| Date of end of reporting period |
30-06-2026 |
30-06-2026 |
| Whether results are audited or unaudited |
Unaudited |
Unaudited |
| Nature of report standalone or consolidated |
Standalone |
Standalone |
| 1 |
Segment Revenue (Income)
|
|
| (net sale/income from each segment should be disclosed) |
| 1 |
Treasury |
56,411.00 |
56,411.00 |
| 2 |
Corporate/Wholesale Banking |
64,629.00 |
64,629.00 |
| 3 |
Retail Banking |
2,25,113.00 |
2,25,113.00 |
| 4 |
Other Banking Operations |
2,968.00 |
2,968.00 |
|
| Total Segment Revenue
| 3,49,121.00 |
3,49,121.00 |
|
Less: Inter segment revenue |
|
|
|
Income from operations |
3,49,121.00 |
3,49,121.00 |
| 2
| Segment Result
|
|
| Profit (+) / Loss (-) before tax and interest from each segment
|
| 1 |
Treasury |
16,404.00 |
16,404.00 |
| 2 |
Corporate/Wholesale Banking |
22,748.00 |
22,748.00 |
| 3 |
Retail Banking |
75,913.00 |
75,913.00 |
| 4 |
Other Banking Operations |
2,382.00 |
2,382.00 |
|
Total Profit before tax |
1,17,447.00 |
1,17,447.00 |
|
i. Finance cost |
|
|
|
ii. Other Unallocable Expenditure net off Unallocable income
|
7,887.00 |
7,887.00 |
|
Profit before tax |
1,09,560.00 |
1,09,560.00 |
| 3 |
(Segment Asset - Segment Liabilities) |
|
Segment Asset |
| 1 |
Treasury |
32,08,519.00 |
32,08,519.00 |
| 2 |
Corporate/Wholesale Banking |
23,25,887.00 |
23,25,887.00 |
| 3 |
Retail Banking |
82,62,369.00 |
82,62,369.00 |
| 4 |
Other Banking Operations |
0.00 |
0.00 |
|
Total Segment Assets |
1,37,96,775.00 |
1,37,96,775.00 |
|
Un-allocable Assets |
6,39,635.00 |
6,39,635.00 |
|
Net Segment Assets |
1,44,36,410.00 |
1,44,36,410.00 |
| 4 |
Segment Liabilities |
|
Segment Liabilities |
| 1 |
Treasury |
32,08,519.00 |
32,08,519.00 |
| 2 |
Corporate/Wholesale Banking |
23,25,887.00 |
23,25,887.00 |
| 3 |
Retail Banking |
82,62,369.00 |
82,62,369.00 |
| 4 |
Other Banking Operations |
0.00 |
0.00 |
| |
Total Segment Liabilities |
1,37,96,775.00 |
1,37,96,775.00 |
| |
Un-allocable Liabilities |
6,39,635.00 |
6,39,635.00 |
|
Net Segment Liabilities |
1,44,36,410.00 |
1,44,36,410.00 |
|
Disclosure of notes on segments |
|
Details of Impact of Audit Qualification
Amount in (Lakhs)
| Whether results are audited or unaudited |
Unaudited |
| Declaration of unmodified opinion or statement on impact of audit qualification |
Declaration of unmodified opinion |
| Auditor's opinion |
|
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015:
The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified
opinion for the period on Standalone results |
Yes |
| Sr No. |
Audit firm's name |
Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI |
Certificate valid upto |
| 1 |
KALYANIWALLA & MISTRY LLP |
Yes |
31-07-2027 |
| 2 |
VARMA & VARMA |
Yes |
31-07-2028 |