Karur Vysya Bank Limited (KARURVYSYA) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Karur Vysya Bank Limited ₹155, price ₹325, upside -52.2%, quality 44 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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Karur Vysya Bank Limited
KARURVYSYA · NSEWeakest SetupStrongly overvalued and low quality.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range ₹30.20 – ₹354.00 · fair‑value band ₹120.12 – ₹245.55 · the ₹325.30 price screens above the ₹155.48 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Company profile
The Karur Vysya Bank Limited provides various banking and financial services for personal and corporate customers in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments.
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The Karur Vysya Bank Limited provides various banking and financial services for personal and corporate customers in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The Treasury segment offers investments in Central and State Government securities, debt instruments of banks, FIs, insurance companies, PSUs and corporates, certificates of deposits, equity shares, mutual funds, and security receipts, as well as forward contracts, derivatives and foreign exchange operations on proprietary accounts and for customers, including trading in these instruments, as well as borrowing and lending operations. The Corporate/Wholesale Banking segment includes all advances to trusts, partnership firms, companies, and statutory bodies. The Retail Banking segment comprises the lending of funds and other banking services to any legal person, including small business customers. The Other Banking Operations include bancassurance, third-party product distribution, demat services and other banking transactions, as well as deposits in RIDF and MSME funds. It also provides prepaid instruments, including gift, forex, travel, and re-loadable cards; life, non-life, and health insurance products; savings and current accounts; recurring and tax-saving deposits; personal, home, vehicle, and educational loans, as well as business loans; digital products; locker facilities; social security schemes; and government sponsored schemes. In addition, the company offers investment and payment collection and transaction banking services; FCNR, NRE, and NRO deposits; mortgage and jewel loans and loans against deposits; remittance services; and Internet and mobile banking services, as well as a range of products for the agricultural sector. The Karur Vysya Bank Limited was incorporated in 1916 and is headquartered in Karur, India.
Stock analysis
Karur Vysya Bank Limited (KARURVYSYA) currently trades at ₹325.30, while our model-based Fair Value estimate is ₹155.48, 52.2% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of ₹225.85 per share, and 1 of the 6 models we run sit above the ₹325.30 price.
Bear case: the Dividend Discount group reads lowest at ₹32.64, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: ₹120.12 (bear) to ₹245.55 (bull), the price of ₹325.30 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Karur Vysya Bank Limited reported revenue of ₹132B in FY2026 versus ₹63.6B in FY2022, a compound +19.9%/yr. Reported net income was ₹25.1B in FY2026, compounding +39.0%/yr from FY2022.
Key figures
Market cap ₹314B (≈ $3.3B) · P/E ratio 11.5 · P/S ratio 2.19 · EPS (TTM) ₹28.40 · Dividend yield 0.8% · Net margin 19.1% · Return on equity 19.3% · Return on assets (EBIT) 1.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 8% below its 52-week high and 57% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −52%, KARURVYSYA screens richer than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 40 · Market factors (momentum, volatility) 79
Revenue & earnings trend
Growth Forecast
KARURVYSYA screens overvalued: fair value 52% below the price. Compare with DBS Group →
Compare Karur Vysya Bank Limited with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1053 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: Indian Stocks
- Valuation of the India market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 78.00 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 600036 | ¥40.69 | ¥52.73 | +30% |
| UniCredit S.p.A UCG | €79.53 | €77.12 | −3% |
| Mizuho Financial Group MFG | $11.05 | $6.82 | −38% |
| Intesa Sanpaolo S.p.A ISP | €6.38 | €4.06 | −36% |
| BNP Paribas SA BNP | €91.54 | €105.99 | +16% |
| HDFC Bank Limited HDFCBANK | ₹721.20 | ₹406.44 | −44% |
| Oversea-Chinese Banking Corporation O39 | 32.01 SGD | 19.78 SGD | −38% |
| Al Rajhi Banking and Investment Corporation 1120 | 63.15 SAR | 36.95 SAR | −41% |
| CaixaBank, S.A CABK | €12.03 | €8.46 | −30% |
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Key figures of Karur Vysya Bank Limited
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