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The Karur Vysya Bank
The Karur Vysya Bank (KARURVYSYA) investor relations material
The Karur Vysya Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary23 Jan, 2026
Executive summary
Total business reached ₹2,11,647 crore as of December 31, 2025, up 16% YoY, with advances and deposits growing 17% and 16% YoY, respectively.
Net profit for Q3 FY26 was ₹68,996 lakhs (₹690 crore), up 39% YoY; operating profit at ₹1,005 crore, up 23% YoY.
Asset quality remains robust: gross NPA at 0.71%, net NPA at 0.19%, and provision coverage ratio at 96.56%.
RAM verticals (retail, agriculture, MSME) constitute 86% of business, with strong growth in retail advances and commercial disbursements.
Unaudited financial results for Q3 and nine months ended December 31, 2025, were approved by the Board and subjected to a limited review with an unqualified report.
Financial highlights
Net interest margin (NIM) for Q3 at 3.99%, up 22 bps QoQ; net interest income grew 15% YoY to ₹1,239 crore.
Cost-to-income ratio improved to 42.49% in Q3; return on assets (ROA) for Q3 at 2.05%, up from 1.81% sequentially.
Other income for Q3 was ₹50,895 lakhs, up from ₹46,482 lakhs YoY.
CASA balances up 11% YoY; term deposits up 17% YoY.
Capital adequacy ratio (Basel III) at 16.05% as of December 31, 2025.
Outlook and guidance
NIM for FY26 expected in the range of 3.9%-3.95%; ROA expected above 1.85%.
Gross NPA expected to remain below 1.5%, net NPA below 1%, and slippages below 1%.
Focus on RAM-led growth and continued digital transformation.
Disciplined approach to asset quality and risk management.
The bank continues to monitor regulatory changes and labour code implementation.
Q4 NIM drivers: deposit repricing and rate cut
Technical write-off pool recovery strategy
Loan portfolio shifts: growth drivers and low-yield exits
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Next The Karur Vysya Bank earnings date
Q4 25/2612 May, 2026
The Karur Vysya Bank
Next The Karur Vysya Bank earnings date
Q4 25/2612 May, 2026
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