Karur Vysya Bank Limited Q3 FY26 earnings call summary

Earnings call of 23 Jan 2026, summarised by AI from the filing.

Karur Vysya Bank Q3 FY26 net profit ₹689.96 cr, up 25% YoY, NIM 3.99%; guides FY26 NIM 3.9-3.95%.

Key takeaways

1. Change NIM expanded 22 bps QoQ to 3.99%, driven by 16 bps reduction in cost of funds.
2. Driver Fixed rate loan book increased to 23% from 15%, supporting yield on advances.
3. Risk NIM may decline in Q4 as December rate cut and deposit repricing impact margins.

Original filing on BSE

Karur Vysya Bank Limited Q1 FY27 results

As filed: Revenue ₹3,049 cr, EBITDA ₹564 cr, PAT ₹756 cr, EBITDA margin 18.5%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹2,904 cr, EBITDA ₹373 cr, PAT ₹725 cr, EBITDA margin 12.9%. Not scored. Bank result format: not scored yet. Share price after the results: −8.5% in 29 days (Nifty 500: −2.9%).
• Q3 FY26: Revenue ₹2,794 cr, EBITDA ₹392 cr, PAT ₹690 cr, EBITDA margin 14.0%. Not scored. Bank result format: not scored yet. Share price after the results: +28.0% in 28 days (Nifty 500: +3.0%).
• Q2 FY26: Revenue ₹2,808 cr, EBITDA ₹231 cr, PAT ₹574 cr, EBITDA margin 8.2%. Not scored. Bank result format: not scored yet. Share price after the results: +9.8% in 28 days (Nifty 500: +1.0%).
• Q1 FY26: Revenue ₹2,569 cr, EBITDA ₹240 cr, PAT ₹521 cr, EBITDA margin 9.3%. Not scored. Bank result format: not scored yet. Share price after the results: −1.6% in 30 days (Nifty 500: −1.5%).
• Q4 FY25: Revenue ₹2,516 cr, EBITDA ₹165 cr, PAT ₹513 cr, EBITDA margin 6.5%. Not scored. Bank result format: not scored yet. Share price after the results: +9.8% in 30 days (Nifty 500: +0.3%).
• Q3 FY25: Revenue ₹2,486 cr, EBITDA ₹201 cr, PAT ₹496 cr, EBITDA margin 8.1%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹2,384 cr, EBITDA ₹164 cr, PAT ₹474 cr, EBITDA margin 6.9%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Karur Vysya Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (20 Jul 2026), Results deck (20 Jul 2026), Results press release (20 Jul 2026)
• Q4 FY26: Earnings call (7 May 2026), Results deck (7 May 2026)
• Q3 FY26: Earnings call (23 Jan 2026), Results deck (23 Jan 2026), Results press release (23 Jan 2026)
• Q2 FY26: Earnings call (17 Oct 2025), Results deck (17 Oct 2025), Results press release (17 Oct 2025)
• Q1 FY26: Earnings call (24 Jul 2025), Results deck (24 Jul 2025), Results press release (24 Jul 2025)
• Q4 FY25: Earnings call (19 May 2025), Results deck (19 May 2025), Results press release (20 May 2025)