Karur Vysya Bank Q2 FY27 Net Profit up 37% to ₹ 788 Crore; H1 FY27 Net Profit up 41%
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 15 Oct 2026, 04:46 PM IST · BSE ID: 85cb5430-7689-4aab-a8ea-38bbf08d97b7
View Original BSE Filing (PDF)
💡
In Simple Terms
Karur Vysya Bank achieved higher profits and significant loan and deposit growth in Q2 FY27 and H1 FY27.
🤖 AI Summary
- Karur Vysya Bank reported a Net Profit of ₹ 788 Crore for Q2 FY27, a 37% year-on-year increase.
- For the half-year ended September 30, 2026, Net Profit reached ₹ 1,543 Crore, up 41% year-on-year.
- Advances grew 20% YoY to ₹ 1,11,589 and Deposits increased 16% YoY to ₹ 1,28,123.
- Net Interest Margin (NIM) for Q2 FY27 and H1 FY27 stood at 4.26%, improving 44 bps YoY for H1.
- Gross Non-Performing Assets (GNPA) improved to 0.69% and Net NPA to 0.18% as of September 30, 2026.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Net Profit Q2 FY27
₹ 788 Crore
37%
Net Profit H1 FY27
₹ 1,543 Crore
41%
Net Interest Margin (NIM) H1 FY27
4.26 %
44 bps
Provision Coverage Ratio (PCR)
96.13 %
Cost to income Q2 FY27
39.85 %
🏢 How This Affects the Company
The bank reported sustained growth in its core business, with Advances increasing by 20% YoY and Deposits by 16% YoY, indicating expansion of its lending and funding base.
Net Profit for Q2 FY27 increased by 37% YoY to ₹ 788 Crore, and for H1 FY27 by 41% YoY to ₹ 1,543 Crore. Net Interest Income grew 19% YoY for Q2 and 25% YoY for H1, positively impacting overall profitability and return metrics.
Cost to income ratio improved to 39.85% for Q2 FY27 from 42.63% in Q2 FY26, and to 40.53% for H1 FY27 from 44.76% in H1 FY26, suggesting improved operational efficiency.
Asset quality showed improvement, with Gross NPA at 0.69% and Net NPA at 0.18%, along with a high Provision Coverage Ratio (PCR) of 96.13%, which reduces credit risk exposure.
👥 What This Means For Shareholders
✅
Action Required
No action required based on this investor presentation filing.
👤
Who Is Affected
Shareholders are affected by the improved financial performance, with EPS for Q2 FY27 at ₹ 8.15, up from ₹ 5.94 in Q2 FY26, and H1 FY27 EPS at ₹ 15.97.
🔍
Management Signal
The management's presentation highlights consistent growth in profitability, sustained asset quality, and strategic focus on business expansion and operational efficiency.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q3 FY27 financial results — check for continued Net Profit and business growth.
Update on Other Income trend — verify if the decline in 'Others' income reverses.
Changes in Gross NPA and Net NPA figures — monitor asset quality consistency.
LOW RISK
The filing reports strong financial performance with improved asset quality and profitability metrics.
💡 Investor Takeaway
Karur Vysya Bank's Q2 FY27 Net Profit increased 37% YoY to ₹ 788 Crore, with H1 FY27 Net Profit rising 41% YoY to ₹ 1,543 Crore. Business growth was strong, with Advances up 20% YoY to ₹ 1,11,589 and Deposits up 16% YoY to ₹ 1,28,123, alongside improved asset quality.
⚖️ Strengths & Concerns
✅ Positives
- Net Profit for Q2 FY27 increased by 37% YoY to ₹ 788 Crore, and H1 FY27 Net Profit increased by 41% YoY to ₹ 1,543 Crore.
- Gross NPA reduced to 0.69% and Net NPA to 0.18%, paired with a Provision Coverage Ratio of 96.13% as of Sept 30, 2026.
⚠️ Concerns
- Other Income for Q2 FY27 decreased by 15% YoY to ₹ 435 Crore, and for H1 FY27 by 9% YoY to ₹ 877 Crore, mainly due to a 44% decrease in 'Others' income in Q2.
- Yield on Advances for H1 FY27 at 10.05% and Yield on Funds at 9.02% include a one-off item of ₹ 52.98 Cr interest recovery.
📅 Company Track Record
Karur Vysya Bank's H1 FY27 Net Profit surged 40.91% to Rs. 1,543 crore, as per a 2026-10-15 filing. Q4 FY26 Net Profit rose 29% YoY to Rs. 725 Crore, as per a 2026-05-07 filing, showing a consistent trend of profit growth.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Karur Vysya Bank's Net Profit for Q2 FY27?
Karur Vysya Bank reported a Net Profit of ₹ 788 Crore for the quarter ended September 30, 2026 (Q2 FY27), which is a 37% increase year-on-year.
What was Karur Vysya Bank's Net Profit for H1 FY27?
For the half-year ended September 30, 2026 (H1 FY27), Karur Vysya Bank's Net Profit was ₹ 1,543 Crore, reflecting a 41% year-on-year growth.
How much did Karur Vysya Bank's Advances grow in H1 FY27?
Karur Vysya Bank's Advances grew by 20% year-on-year to ₹ 1,11,589 as of September 30, 2026.
What is Karur Vysya Bank's Net Interest Margin (NIM) for H1 FY27?
The Net Interest Margin (NIM) for Karur Vysya Bank was 4.26% for the half-year ended September 30, 2026, which is an improvement of 44 bps year-on-year.
What were Karur Vysya Bank's Gross and Net NPA percentages as of September 30, 2026?
As of September 30, 2026, Karur Vysya Bank's Gross Non-Performing Assets (GNPA) stood at 0.69%, and Net Non-Performing Assets (NNPA) were 0.18%.
Questions based on this BSE filing only. For information purposes.