By BullScreen Editorial Team 
Karur Vysya Bank reported a strong set of Q4 results 2026, driven by healthy loan growth, improving margins, and stable asset quality. The bank posted a net profit of ₹725 crore for the March quarter, marking a sharp 41% year-on-year increase from ₹513 crore reported in the same period last year.
For the full financial year FY26, the bank’s profit after tax rose 29% to ₹2,510 crore, compared to ₹1,942 crore in FY25. Total business crossed ₹2.14 lakh crore, reflecting 15% annual growth, supported by steady expansion in both deposits and advances.
Net Interest Income (NII) for Q4 results 2026 climbed 25% YoY to ₹1,359 crore, while total income increased 24% to ₹1,975 crore. Operating profit surged 49% to ₹1,247 crore as the lender benefited from lower operating expenses and improved efficiency. The bank’s cost-to-income ratio improved significantly to 37.27% during the quarter.
On the balance sheet front, advances grew 17% YoY to ₹98,754 crore, led by strong momentum in retail, agriculture, and MSME lending. Retail loans jumped 25%, while the jewel loan portfolio expanded 27% to ₹29,492 crore.
Asset quality remained one of the biggest positives in the Q4 results 2026. Gross NPA stood at a low 0.75%, while Net NPA remained controlled at 0.19%. The provision coverage ratio stayed robust at 96.45%, indicating strong risk management.
The bank also maintained healthy profitability ratios, with Return on Assets reaching 2.10% in Q4 and Return on Equity touching 20.55%. Capital adequacy remained comfortable at 18.76%, giving the lender enough room for future growth.
| Key Metric | Q4 FY26 | Q4 FY25 | YoY Change |
|---|---|---|---|
| Net Profit | ₹725 Cr | ₹513 Cr | ▲ 41% |
| Net Interest Income (NII) | ₹1,359 Cr | ₹1,089 Cr | ▲ 25% |
| Total Income | ₹1,975 Cr | ₹1,598 Cr | ▲ 24% |
| Operating Profit | ₹1,247 Cr | ₹835 Cr | ▲ 49% |
| Return on Assets (ROA) | 2.10% | — | Improved |
| Return on Equity (ROE) | 20.55% | — | Improved |
| Cost-to-Income Ratio | 37.27% | 47.25% | Better Efficiency |
| Segment | FY26 Value | YoY Growth |
|---|---|---|
| Total Business | ₹2,14,420 Cr | ▲ 15% |
| Total Deposits | ₹1,15,666 Cr | ▲ 13% |
| Gross Advances | ₹98,754 Cr | ▲ 17% |
| Retail Loan Portfolio | ₹26,197 Cr | ▲ 25% |
| Agriculture Portfolio | ₹24,784 Cr | ▲ 19% |
| Jewel Loan Portfolio | ₹29,492 Cr | ▲ 27% |
| CASA Ratio | 26.91% | Stable |
| Asset Quality Metric | FY26 |
|---|---|
| Gross NPA (GNPA) | 0.75% |
| Net NPA (NNPA) | 0.19% |
| Provision Coverage Ratio | 96.45% |
| Slippage Ratio | 0.75% |
| Credit Cost | 0.77% |
| CRAR Capital Ratio | 18.76% |
| Tier-I Capital Ratio | 17.72% |