Karur Vysya Bank Reports 14% YoY Growth in Q4 Business Update

Karur Vysya Bank Ltd. (KVB), the Karur-based private sector lender, announced its provisional business update for the January-March quarter (Q4 FY25) on Tuesday, April 1. The bank reported strong growth across key financial metrics, reflecting a healthy expansion in its business operations.

Total Business Surges 14% YoY

KVB’s total business grew by 14% year-on-year (YoY) to ₹1.86 lakh crore in Q4 FY25. This increase was driven by robust growth in both deposits and advances, as highlighted in the bank’s exchange filing.

Deposits and Advances Register Gains

The bank’s total deposits rose by 14.55% YoY to ₹1.02 lakh crore, surpassing the ₹1 lakh crore milestone. This indicates a strong depositor base and sustained trust among customers.

KVB’s advances grew by 13.5% to ₹84,486 crore in the March quarter, compared to ₹74,423 crore in the same period last year. This growth underscores the bank’s improved lending activity and demand for credit across sectors.

CASA Growth Remains Moderate

The Current Account Savings Account (CASA) balance for Q4 FY25 stood at ₹27,832 crore, reflecting a 2.8% YoY increase. While the growth remains positive, it is relatively moderate compared to other financial indicators.

Previous Quarter Performance (Q3 FY25)

For the October-December quarter (Q3 FY25), Karur Vysya Bank had reported:

• 7.7% YoY growth in Net Interest Income (NII).
• 20% YoY increase in net profit, showcasing strong earnings momentum.

Improvement in Asset Quality

The bank’s asset quality improved in Q4 FY25:

• Gross Non-Performing Assets (NPA) stood at 0.83%, improving from 1.1% in September 2024.
• Net NPA ratio declined to 0.2%, compared to 0.28% in the previous quarter, reflecting better loan recoveries and asset management.

Stock Performance 

On April 02, 2025, Karur Vysya Bank share price traded 0.12% higher at ₹214.20 at 11:14 AM (IST). Karur Vysya Bank’s share price reached a 52-week high of ₹246.15, and a 52-week low of ₹165.15. As per BSE, the total traded volume for the stock stood at 0.16 lakh shares with a turnover of ₹33.93 lakhs.

According to exchange data, Karur Vysya Bank shares are trading at a price-to-earnings (P/E) ratio of 9.51x, based on its trailing 12-month earnings per share (EPS) of ₹22.50, and a price-to-book (P/B) ratio of 1.57.

Conclusion 

With strong business growth, rising deposits, and improving asset quality, Karur Vysya Bank continues to strengthen its financial position and market presence.

The latest numbers indicate sustained momentum in the bank’s overall performance heading into the new fiscal year.

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