What we do Karur Vysya Bank Ltd is an Indian private sector bank engaged in retail, corporate, treasury, and other banking operations offering financial products to diverse customers. |
Founded in 1,916 |
Market share Mid-sized private sector bank with pan-India presence and growing footprint in retail, corporate and agriculture sectors. |
Problem solved Provides accessible banking, credit, treasury and digital financial services supporting trade, agriculture, retail consumers, and MSMEs with modern banking solutions. |
Top clients or who we serve Retail customers, corporates, agriculture sector, MSMEs; serves B2C and B2B segments across urban and rural India. |
Key management MD & CEO: B Ramesh Babu; Executive Directors: J Natarajan (till May 2025), B Sankar; Independent Directors with legal and banking expertise. |
Our journey and innovations Founded in 1916; expanded through mergers; introduced CBS in 2005; launched digital banking, mobile top-up, and UPI pay-to-contacts; recent capital raise through rights issue. |
Where we operate Operations across India with 888 branches and 2211+ ATMs as of Dec 2025, focusing on metro, urban, semi-urban, and rural areas. |
Top products or what we offer Commercial loans, retail loans including home, personal, vehicle loans, agriculture advances, treasury products, digital banking platforms, insurance through bancassurance. |
Top brands KVB Elite Bike Loan, KVB Special Home Loan, KVB Kisan Mitra, Cash Passport, DLite Mobile Banking App, KVB Corp Mobile Banking App. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Majority revenue recurring from interest and fees, with cyclicality depending on credit demand and economic conditions. |
Our industry position Strong asset quality with GNPA ~0.7%, PCR ~96.5%, well capitalized with CRAR ~18%, recognized for digital innovation and fair business practices. |
Financial highlights FY 2024-25: Revenue Rs 11,508 Cr, Net Profit Rs 1,942 Cr; Advances Rs 84,491 Cr; Deposits Rs 1,02,078 Cr; ROE 16.28%, ROA 1.72%. |
Geographical revenue split Primarily India, with concentrated presence in Tamil Nadu, expanding across metro, urban, and rural regions nationwide. |
Order book - |
Whats driving growth Robust advances growth driven by retail, agriculture, and commercial loans; digital initiatives; increased branch network; customer deposits expansion. |
Our future plans Plan to increase branches, enhance digital platforms, expand asset recovery branches, and sustain focus on granular and priority sector lending. |
Our green promise Invests in renewable energy, LED lighting, water body restoration, and sustainable community development as part of ESG initiatives. |
Our people and values Over 9,800 employees fostering a culture of innovation, customer service, inclusion, and ethical banking practices. |
Key challenges ahead Managing asset quality amid economic cycles, competition, regulatory compliance, cybersecurity risks, and technological disruptions. |
Interesting facts One of India’s oldest private banks founded in 1916; ISO 27001 certified for information security; winner of multiple banking excellence awards. |
Risks and strategy Mitigates credit risks via focused lending and recovery efforts; adopts strong risk management; invests in tech and compliance frameworks. |
