{"id":241479,"date":"2026-09-10T15:12:39","date_gmt":"2026-09-10T09:42:39","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=241479"},"modified":"2026-09-10T15:12:39","modified_gmt":"2026-09-10T09:42:39","slug":"multibagger-bank-stock-rises-755-percent-in-5-years","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/","title":{"rendered":"This Multibagger Bank Stock Rises 755% in 5 Years: How Cleaner Books Powered the Run"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>CMP approximately Rs 336 (10 Sep 2026). 5-year return 755.31% (bonus-adjusted). 52W range Rs 203.91 to Rs 358.65. Market cap Rs 32,906 Cr. Q1 FY27 PAT Rs 756 Cr, up 45%.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">Karur Vysya Bank is the multibagger bank stock behind a bonus-adjusted return of approximately 755% in five years. Gross NPA fell from 7.85% in FY21 to 0.74% in June 2026, while annual net profit grew from Rs 359 crore to Rs 2,510 crore in FY26. The share now trades at a PE near 12, so further gains depend on margins and loan growth holding up.<\/p>\n<\/div>\n<p>This multibagger bank stock has turned Rs 1 lakh into approximately Rs 8.55 lakh in five years. One south India based private lender delivered a 5-year return of 755.31%, ranking 10th in a screen of 101 large-cap and mid-cap NSE shares as of 10 September 2026.<\/p>\n<p>The company is <strong><a href='https:\/\/univest.in\/stocks\/karurvysya\/karur-vysya-bank-ltd-share-price-today'>Karur Vysya Bank Ltd<\/a> (NSE: KARURVYSYA)<\/strong>, a Tamil Nadu headquartered private bank with over a century of history and a loan book of more than Rs 1 lakh crore. The Karur Vysya Bank share price traded near Rs 336.40 on 10 September 2026, down about 1.2% from the previous close of Rs 340.60, and approximately 6% below its 52-week high of Rs 358.65.<\/p>\n<p style=\"margin-top:24px;\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#How_Much_Has_This_Multibagger_Bank_Stock_Returned\" title=\"How Much Has This Multibagger Bank Stock Returned?\">How Much Has This Multibagger Bank Stock Returned?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Why_Did_This_Multibagger_Bank_Stock_Rise_755_in_5_Years\" title=\"Why Did This Multibagger Bank Stock Rise 755% in 5 Years?\">Why Did This Multibagger Bank Stock Rise 755% in 5 Years?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Asset_Quality_Turnaround_From_785_GNPA\" title=\"Asset Quality Turnaround From 7.85% GNPA\">Asset Quality Turnaround From 7.85% GNPA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Profit_Rose_Nearly_Seven-Fold\" title=\"Profit Rose Nearly Seven-Fold\">Profit Rose Nearly Seven-Fold<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Shift_to_Retail_Agriculture_and_MSME_Loans\" title=\"Shift to Retail, Agriculture and MSME Loans\">Shift to Retail, Agriculture and MSME Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Record_Q1_FY27_and_a_Re-Rating\" title=\"Record Q1 FY27 and a Re-Rating\">Record Q1 FY27 and a Re-Rating<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Karur_Vysya_Bank_Financials_Quarterly_Trend\" title=\"Karur Vysya Bank Financials: Quarterly Trend\">Karur Vysya Bank Financials: Quarterly Trend<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Who_Owns_This_Multibagger_Bank_Stock\" title=\"Who Owns This Multibagger Bank Stock?\">Who Owns This Multibagger Bank Stock?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Valuation_of_the_Karur_Vysya_Bank_Share\" title=\"Valuation of the Karur Vysya Bank Share\">Valuation of the Karur Vysya Bank Share<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Key_Risks_for_This_Multibagger_Bank_Stock\" title=\"Key Risks for This Multibagger Bank Stock\">Key Risks for This Multibagger Bank Stock<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Karur_Vysya_Bank_Share_Analyst_View\" title=\"Karur Vysya Bank Share: Analyst View\">Karur Vysya Bank Share: Analyst View<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Karur_Vysya_Bank_Share_Price_Target\" title=\"Karur Vysya Bank Share Price Target\">Karur Vysya Bank Share Price Target<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Which_multibagger_bank_stock_rose_755_in_5_years\" title=\"Which multibagger bank stock rose 755% in 5 years?\">Which multibagger bank stock rose 755% in 5 years?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Why_did_Karur_Vysya_Bank_share_price_rise_so_much\" title=\"Why did Karur Vysya Bank share price rise so much?\">Why did Karur Vysya Bank share price rise so much?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Is_the_755_return_adjusted_for_the_bonus_issue\" title=\"Is the 755% return adjusted for the bonus issue?\">Is the 755% return adjusted for the bonus issue?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#What_were_Karur_Vysya_Bank_Q1_FY27_results\" title=\"What were Karur Vysya Bank Q1 FY27 results?\">What were Karur Vysya Bank Q1 FY27 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#What_is_the_Karur_Vysya_Bank_share_price_target\" title=\"What is the Karur Vysya Bank share price target?\">What is the Karur Vysya Bank share price target?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#What_is_the_52-week_high_and_low_of_Karur_Vysya_Bank\" title=\"What is the 52-week high and low of Karur Vysya Bank?\">What is the 52-week high and low of Karur Vysya Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Is_this_multibagger_bank_stock_overvalued\" title=\"Is this multibagger bank stock overvalued?\">Is this multibagger bank stock overvalued?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/univest.in\/blogs-2\/multibagger-bank-stock-rises-755-percent-in-5-years\/#Should_I_invest_in_a_multibagger_bank_stock_after_a_755_rally\" title=\"Should I invest in a multibagger bank stock after a 755% rally?\">Should I invest in a multibagger bank stock after a 755% rally?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_Much_Has_This_Multibagger_Bank_Stock_Returned\"><\/span><strong>How Much Has This Multibagger Bank Stock Returned?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This multibagger bank stock has returned approximately 755% in five years and about 200% in three years. The recent 1-year gain of 60.92% is also strong and placed it 25th out of 101 stocks screened, though shorter periods look far more ordinary.<\/p>\n<p>Here is how the multibagger bank stock has performed across time frames, with its rank in a screen of 101 NSE stocks:<\/p>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Return<\/th>\n<th>Rank (out of 101)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1 Month<\/td>\n<td>2.05%<\/td>\n<td>65<\/td>\n<\/tr>\n<tr>\n<td>6 Months<\/td>\n<td>13.33%<\/td>\n<td>75<\/td>\n<\/tr>\n<tr>\n<td>1 Year<\/td>\n<td>60.92%<\/td>\n<td>25<\/td>\n<\/tr>\n<tr>\n<td>3 Years<\/td>\n<td>199.95%<\/td>\n<td>21<\/td>\n<\/tr>\n<tr>\n<td>5 Years<\/td>\n<td>755.31%<\/td>\n<td>10<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The table shows a clear pattern. Most of the wealth creation came over the full five years, while the 1-month and 6-month returns rank in the lower half of the screen. This multibagger bank stock has been consolidating in recent weeks after a sharp run in July.<\/p>\n<p>These figures are adjusted for the 1:5 bonus issue that went ex-bonus on 26 August 2025. On an adjusted basis, the share traded near Rs 39 in September 2021, which makes the 755% gain a real price rise and not a quirk of the bonus shares.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Did_This_Multibagger_Bank_Stock_Rise_755_in_5_Years\"><\/span><strong>Why Did This Multibagger Bank Stock Rise 755% in 5 Years?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The short answer: a full asset quality clean-up, a steady profit climb every year and a sharp re-rating from depressed valuations. This multibagger bank stock started the period as a troubled lender and ended it as one of the most profitable mid-sized private banks in India.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Asset_Quality_Turnaround_From_785_GNPA\"><\/span><strong>Asset Quality Turnaround From 7.85% GNPA<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In March 2021, the gross NPA ratio stood at 7.85% and net NPA at 3.41%. Investors were wary of the old corporate book, and the share traded well below book value. That starting point is what made this multibagger bank stock possible.<\/p>\n<p>Over the next five years, the bank cut gross NPA to 5.96% in FY22, 1.40% in FY24 and 0.76% in FY25. By June 2026, gross NPA was just 0.74% and net NPA 0.19%, with a provision coverage ratio of 96.21%. Few lenders of this size carry such a clean book, and that is the base of this multibagger bank stock.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Profit_Rose_Nearly_Seven-Fold\"><\/span><strong>Profit Rose Nearly Seven-Fold<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Net profit climbed from Rs 359 crore in FY21 to Rs 673 crore in FY22, Rs 1,605 crore in FY24, Rs 1,942 crore in FY25 and Rs 2,510 crore in FY26. That is roughly a seven-fold jump in five years, which kept this multibagger bank stock moving higher.<\/p>\n<p>Lower provisions played a big role in the early years of this multibagger bank stock. In the later years, the driver shifted to loan growth, stable margins and better cost control, as the cost-to-income ratio improved to 47.77% in FY25 from 51.62% a year earlier.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Shift_to_Retail_Agriculture_and_MSME_Loans\"><\/span><strong>Shift to Retail, Agriculture and MSME Loans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The bank moved its lending towards retail, agriculture and commercial (MSME) loans, which it calls RAM. In June 2026, RAM advances were Rs 90,324 crore, or 86% of the loan book, while corporate loans formed only 14%. This mix is central to how the multibagger bank stock grows.<\/p>\n<p>Jewel loans have been a standout, rising 27% YoY to Rs 31,368 crore. These gold-backed loans carry low credit risk, which helped the multibagger bank stock grow faster without hurting asset quality.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Record_Q1_FY27_and_a_Re-Rating\"><\/span><strong>Record Q1 FY27 and a Re-Rating<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The most recent push came on 21 July 2026, when the share jumped around 10.5% in a single session after Q1 FY27 results. Net profit rose 45% YoY to Rs 756 crore, net interest income grew 32% to Rs 1,423 crore and ROA reached 2.11%.<\/p>\n<p>That result lifted this multibagger bank stock to near its record high. For a lender that once traded below book value, the price to book ratio has now expanded to around 2.33.<\/p>\n<p style=\"margin-top:24px;\"><strong>Check the Univest Screener for Live Fundamentals of High-Return Stocks<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Karur_Vysya_Bank_Financials_Quarterly_Trend\"><\/span><strong>Karur Vysya Bank Financials: Quarterly Trend<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The last five quarters show this multibagger bank stock compounding profit at a fast pace, backed by rising margins and stable asset quality. For a bank, net interest margin (NIM), gross NPA and profit matter more than EBITDA, so those are shown below.<\/p>\n<table>\n<thead>\n<tr>\n<th>Quarter<\/th>\n<th>Net Profit (Rs Cr)<\/th>\n<th>YoY Growth<\/th>\n<th>NIM<\/th>\n<th>Gross NPA<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Q1 FY26<\/td>\n<td>520<\/td>\n<td>NA<\/td>\n<td>3.86%<\/td>\n<td>0.82%<\/td>\n<\/tr>\n<tr>\n<td>Q2 FY26<\/td>\n<td>574<\/td>\n<td>21%<\/td>\n<td>3.77%<\/td>\n<td>NA<\/td>\n<\/tr>\n<tr>\n<td>Q3 FY26<\/td>\n<td>690<\/td>\n<td>39%<\/td>\n<td>3.99%<\/td>\n<td>0.71%<\/td>\n<\/tr>\n<tr>\n<td>Q4 FY26<\/td>\n<td>725<\/td>\n<td>41%<\/td>\n<td>4.25%<\/td>\n<td>0.75%<\/td>\n<\/tr>\n<tr>\n<td>Q1 FY27<\/td>\n<td>756<\/td>\n<td>45%<\/td>\n<td>4.26%<\/td>\n<td>0.74%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Net profit rose every quarter across this period, from Rs 520 crore to Rs 756 crore. Margins expanded from 3.77% in Q2 FY26 to 4.26% in Q1 FY27, which is well above the bank&#8217;s own full-year guidance of 3.7% to 3.8%.<\/p>\n<p>On the balance sheet of this multibagger bank stock, gross advances grew 17% YoY to Rs 1,04,680 crore and deposits rose 15% to Rs 1,22,587 crore in June 2026. The CASA ratio stood at 27.55%, and capital adequacy was comfortable at 18.61%.<\/p>\n<p>For FY26 as a whole, net interest income was Rs 4,939 crore, up 16%, and non-interest income was Rs 2,084 crore, up 14%. ROA for the year improved to 1.93% and ROE to 17.79%, and the board declared a final dividend of Rs 2.60 per share.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Who_Owns_This_Multibagger_Bank_Stock\"><\/span><strong>Who Owns This Multibagger Bank Stock?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Karur Vysya Bank has one of the lowest promoter holdings among listed private banks, at just 2.07%. The ownership is dominated by institutions, which have steadily added to their positions in this multibagger bank stock.<\/p>\n<table>\n<thead>\n<tr>\n<th>Category<\/th>\n<th>Jun 2025<\/th>\n<th>Sep 2025<\/th>\n<th>Dec 2025<\/th>\n<th>Mar 2026<\/th>\n<th>Jun 2026<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Promoters<\/td>\n<td>2.10%<\/td>\n<td>2.10%<\/td>\n<td>2.07%<\/td>\n<td>2.07%<\/td>\n<td>2.07%<\/td>\n<\/tr>\n<tr>\n<td>FIIs<\/td>\n<td>15.41%<\/td>\n<td>15.81%<\/td>\n<td>16.87%<\/td>\n<td>19.25%<\/td>\n<td>17.92%<\/td>\n<\/tr>\n<tr>\n<td>DIIs<\/td>\n<td>37.62%<\/td>\n<td>38.66%<\/td>\n<td>40.20%<\/td>\n<td>39.26%<\/td>\n<td>41.22%<\/td>\n<\/tr>\n<tr>\n<td>Public<\/td>\n<td>44.87%<\/td>\n<td>43.44%<\/td>\n<td>40.86%<\/td>\n<td>39.42%<\/td>\n<td>38.79%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Domestic institutions raised their stake in the multibagger bank stock from 37.62% to 41.22% over the year. Large mutual fund houses and life insurers are among the top holders, and several small-cap and value funds hold the share in their portfolios.<\/p>\n<p>Foreign investors increased their holding to 19.25% by March 2026 but trimmed it to 17.92% in June 2026. Well-known investor Rekha Jhunjhunwala has held a steady 4.16% stake across all five quarters.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Valuation_of_the_Karur_Vysya_Bank_Share\"><\/span><strong>Valuation of the Karur Vysya Bank Share<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Even after a 755% rise, the Karur Vysya Bank share trades at a PE of approximately 12, slightly below the industry PE of about 13.1. The price to book ratio is around 2.33 against a book value of Rs 145.96 per share, while ROE stands at 19.45%.<\/p>\n<p>A market cap of approximately Rs 32,906 crore places this multibagger bank stock among the larger old private banks. The dividend yield is modest at 0.76%, as the bank retains most profits to fund loan growth.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Risks_for_This_Multibagger_Bank_Stock\"><\/span><strong>Key Risks for This Multibagger Bank Stock<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A strong five-year run does not remove risk. Investors in this multibagger bank stock should watch the following factors closely.<\/p>\n<p><strong>Margin pressure:<\/strong> Management expects deposit costs to rise by 5 to 10 basis points in Q2 FY27 and has kept NIM guidance at 3.7% to 3.8%. The Q1 FY27 margin of 4.26% for this multibagger bank stock may not last if funding costs climb or rates fall.<\/p>\n<p><strong>Gold loan concentration:<\/strong> Jewel loans now form about 30% of advances. A sharp fall in gold prices or tighter regulatory rules on gold lending could slow growth in this segment.<\/p>\n<p><strong>Deposit growth lag:<\/strong> Advances are growing at 17% while deposits are growing at 15%. A persistent gap would push the bank towards costlier funding and squeeze margins.<\/p>\n<p><strong>Regional concentration:<\/strong> A large part of the branch network is in Tamil Nadu and nearby states, so any regional slowdown would hit this multibagger bank stock harder than a national lender.<\/p>\n<p><strong>Valuation re-rating is largely done:<\/strong> The share has moved from below book value to around 2.33 times book. Future returns from this multibagger bank stock will likely track earnings growth rather than further re-rating.<\/p>\n<p><strong>Normalising credit costs:<\/strong> Credit cost was just 0.33% in Q1 FY27. Any rise in slippages from the MSME or agriculture book would lift provisions and slow profit growth for the multibagger bank stock.<\/p>\n<p style=\"margin-top:24px;\"><strong>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track the Karur Vysya Bank share price live<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Karur_Vysya_Bank_Share_Analyst_View\"><\/span><strong>Karur Vysya Bank Share: Analyst View<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Analysts remain broadly positive on this multibagger bank stock after the Q1 FY27 beat. A domestic brokerage reiterated a Buy rating in July 2026 and raised its FY27 to FY29 earnings estimates by 11% to 13%, calling the bank&#8217;s operating performance best in class.<\/p>\n<p>The same brokerage expects ROA of 1.6% to 1.9% and ROE of 16% to 19% over FY27 to FY29. That suggests profits may keep compounding, though at a slower pace than the recent 45% quarterly jump.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Karur_Vysya_Bank_Share_Price_Target\"><\/span><strong>Karur Vysya Bank Share Price Target<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The verified Karur Vysya Bank share price target from a domestic brokerage is Rs 360, based on 1.8 times its estimated June 2028 adjusted book value. That implies an upside of about 7% from around Rs 336.<\/p>\n<p>The multibagger bank stock has already come close to that Karur Vysya Bank share price target, having touched a 52-week high of Rs 358.65. Rs 358.65 is the key resistance to watch, while the 52-week low of Rs 203.91 shows how far the share has come in a year.<\/p>\n<p>Since the multibagger bank stock trades near the latest brokerage target, fresh upgrades will likely depend on how margins hold up in Q2 FY27. A Karur Vysya Bank share price close above Rs 358.65 would mark a new high, while a slip in margins could cap gains.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This multibagger bank stock turned a troubled balance sheet into one of the cleanest in Indian banking, with gross NPA falling from 7.85% to 0.74% and profit rising nearly seven-fold in five years. That shift is the core reason behind the 755% return.<\/p>\n<p>The Karur Vysya Bank share price now reflects much of that progress, with a PE near 12 and price to book around 2.33. Margin pressure, gold loan concentration and slower re-rating are the risks any multibagger bank stock investor should weigh.<\/p>\n<p>For long-term investors, the multibagger bank stock still offers steady compounding if loan growth and asset quality hold. Tracking quarterly NIM and slippages is the best way to judge whether the next leg of the Karur Vysya Bank share price move is sustainable.<\/p>\n<div style=\"background:#CC0000;border-radius:8px;padding:16px 20px;margin:24px 0;\">\n<p style=\"color:#FFFFFF;font-size:13px;line-height:1.7;margin:0;\"><strong style=\"color:#FFFFFF;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information and may or may not be accurate. Please verify all data independently before making any investment decision. Past returns do not guarantee future returns. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_multibagger_bank_stock_rose_755_in_5_years\"><\/span><strong>Which multibagger bank stock rose 755% in 5 years?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Karur Vysya Bank (NSE: KARURVYSYA) is the multibagger bank stock that gained approximately 755.31% over five years as of 10 September 2026. It ranked 10th among 101 large-cap and mid-cap NSE stocks screened on 5-year returns.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_did_Karur_Vysya_Bank_share_price_rise_so_much\"><\/span><strong>Why did Karur Vysya Bank share price rise so much?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The Karur Vysya Bank share price rose because gross NPA fell from 7.85% in FY21 to 0.74% in June 2026 while net profit grew from Rs 359 crore to Rs 2,510 crore in FY26. A shift to retail, agriculture and MSME loans and a valuation re-rating added to the gains.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_the_755_return_adjusted_for_the_bonus_issue\"><\/span><strong>Is the 755% return adjusted for the bonus issue?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes, the return is adjusted for the 1:5 bonus issue that went ex-bonus on 26 August 2025. The adjusted price five years ago was approximately Rs 39, so the gain reflects real price appreciation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_were_Karur_Vysya_Bank_Q1_FY27_results\"><\/span><strong>What were Karur Vysya Bank Q1 FY27 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Karur Vysya Bank reported Q1 FY27 net profit of Rs 756 crore, up 45% YoY, with net interest income up 32% to Rs 1,423 crore, a result that lifted the multibagger bank stock near its record high. NIM was 4.26%, ROA 2.11%, gross NPA 0.74% and net NPA 0.19%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_Karur_Vysya_Bank_share_price_target\"><\/span><strong>What is the Karur Vysya Bank share price target?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> A domestic brokerage has a Karur Vysya Bank share price target of Rs 360 with a Buy rating, based on 1.8 times estimated June 2028 adjusted book value. That implies about 7% upside from around Rs 336, but targets are estimates and not guaranteed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_52-week_high_and_low_of_Karur_Vysya_Bank\"><\/span><strong>What is the 52-week high and low of Karur Vysya Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The Karur Vysya Bank share has a 52-week high of Rs 358.65 and a 52-week low of Rs 203.91 on NSE. On 10 September 2026 it traded near Rs 336.40, about 6% below the high.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_this_multibagger_bank_stock_overvalued\"><\/span><strong>Is this multibagger bank stock overvalued?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The multibagger bank stock trades at a PE of approximately 12 against an industry PE of about 13.1, and at around 2.33 times book value. That is not stretched for a bank earning an ROE near 19%, but most of the re-rating is likely behind it.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_invest_in_a_multibagger_bank_stock_after_a_755_rally\"><\/span><strong>Should I invest in a multibagger bank stock after a 755% rally?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> After a 755% rally, future returns from a multibagger bank stock will likely follow earnings growth rather than re-rating. Watching margins and asset quality each quarter and consulting a SEBI-registered advisor before investing is sensible.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Which multibagger bank stock rose 755% in 5 years?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Karur Vysya Bank (NSE: KARURVYSYA) is the multibagger bank stock that gained approximately 755.31% over five years as of 10 September 2026. It ranked 10th among 101 large-cap and mid-cap NSE stocks screened on 5-year returns.\"}},{\"@type\":\"Question\",\"name\":\"Why did Karur Vysya Bank share price rise so much?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Karur Vysya Bank share price rose because gross NPA fell from 7.85% in FY21 to 0.74% in June 2026 while net profit grew from Rs 359 crore to Rs 2,510 crore in FY26. A shift to retail, agriculture and MSME loans and a valuation re-rating added to the gains.\"}},{\"@type\":\"Question\",\"name\":\"Is the 755% return adjusted for the bonus issue?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, the return is adjusted for the 1:5 bonus issue that went ex-bonus on 26 August 2025. The adjusted price five years ago was approximately Rs 39, so the gain reflects real price appreciation.\"}},{\"@type\":\"Question\",\"name\":\"What were Karur Vysya Bank Q1 FY27 results?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Karur Vysya Bank reported Q1 FY27 net profit of Rs 756 crore, up 45% YoY, with net interest income up 32% to Rs 1,423 crore, a result that lifted the multibagger bank stock near its record high. NIM was 4.26%, ROA 2.11%, gross NPA 0.74% and net NPA 0.19%.\"}},{\"@type\":\"Question\",\"name\":\"What is the Karur Vysya Bank share price target?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A domestic brokerage has a Karur Vysya Bank share price target of Rs 360 with a Buy rating, based on 1.8 times estimated June 2028 adjusted book value. That implies about 7% upside from around Rs 336, but targets are estimates and not guaranteed.\"}},{\"@type\":\"Question\",\"name\":\"What is the 52-week high and low of Karur Vysya Bank?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Karur Vysya Bank share has a 52-week high of Rs 358.65 and a 52-week low of Rs 203.91 on NSE. On 10 September 2026 it traded near Rs 336.40, about 6% below the high.\"}},{\"@type\":\"Question\",\"name\":\"Is this multibagger bank stock overvalued?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The multibagger bank stock trades at a PE of approximately 12 against an industry PE of about 13.1, and at around 2.33 times book value. That is not stretched for a bank earning an ROE near 19%, but most of the re-rating is likely behind it.\"}},{\"@type\":\"Question\",\"name\":\"Should I invest in a multibagger bank stock after a 755% rally?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"After a 755% rally, future returns from a multibagger bank stock will likely follow earnings growth rather than re-rating. Watching margins and asset quality each quarter and consulting a SEBI-registered advisor before investing is sensible.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>One south India based private lender turned Rs 1 lakh into roughly Rs 8.55 lakh in five years. Here is what powered the 755% rally and the risks investors should weigh.<\/p>\n","protected":false},"author":29,"featured_media":241478,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[],"class_list":["post-241479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["241478"],"rank_math_title":["Multibagger Bank Stock Up 755% in 5 Years: Why It Rallied"],"rank_math_description":["This multibagger bank stock rose approximately 755% in 5 years as gross NPA fell from 7.85% to 0.74% and profit rose nearly seven-fold. See financials, targets and risks."],"rank_math_focus_keyword":["multibagger bank stock"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/multibagger-bank-stock-rises-755-percent-in-5-years.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/241479","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=241479"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/241479\/revisions"}],"predecessor-version":[{"id":241480,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/241479\/revisions\/241480"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/241478"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=241479"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=241479"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=241479"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}