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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% year-on-year, with advances and deposits growing 17% and 16% YoY, respectively.
Net profit for Q3 FY26 was ₹68,996 lakhs (₹690 crore), up 39% YoY; nine-month net profit was ₹1,78,537 lakhs (₹1,785 crore), up 25% YoY.
Asset quality remained strong with GNPA at 0.71% and NNPA at 0.19%.
Board approved unaudited financial results for Q3 and 9M FY26, with an unqualified report from auditors.
Cautiously optimistic outlook maintained, focusing on margin management and asset quality.
Financial highlights
Net profit for the quarter at ₹68,996 lakhs (₹690 crore), up 20% quarter-on-quarter and 39% year-on-year.
Net Interest Income for Q3 grew 15% YoY to ₹1,239 crore; operating profit at ₹1,005 crore, up 23% YoY.
Net interest margin (NIM) for Q3 at 3.99%, up 22 bps quarter-on-quarter.
Cost-to-income ratio improved to 42.49% in Q3; provision coverage ratio at 96.56%.
Gross NPA decreased to 0.71%, net NPA steady at 0.19%.
Outlook and guidance
Credit growth expected to remain above industry average for the full year.
NIM for FY26 guided at 3.9%-3.95%; ROA expected above 1.85%.
Focus on RAM-led growth (Retail, Agriculture, MSME) and digital transformation.
Disciplined approach to asset quality and risk management.
Monitoring new labour codes and reviewing employee benefit estimates.
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 25/2611 May, 2026
The Karur Vysya Bank
Next The Karur Vysya Bank earnings date
Q4 25/2611 May, 2026
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