Bank Profile
A Salute to Our Visionary Founders
VISION
To be the preferred choice of stakeholders and deliver value by blending technology with tradition.
MISSION
To provide a superior banking experience by using technology to deliver an entire gamut of financial products under one roof, easily available to customers across physical and digital channels.
MD's DESK
Since 1916, progress has been at the heart of Karur Vysya Bank's journey. From supporting local enterprises to enabling modern financial aspirations, our growth has been shaped by the trust of our stakeholders and our commitment to creating lasting impact. As we present our Corporate Profile for 2026, we look back on a journey defined by resilience and responsibility, while remaining firmly focused on the opportunities that lie ahead.
This year has been marked by meaningful achievements across our business. A strong focus on customer experience, digital capabilities and operational excellence has enabled us to respond to changing needs while maintaining the stability and resilience that define our institution. Every milestone we achieve is rooted in the confidence our customers, employees, shareholders and partners place in us.
As we look ahead, our purpose remains clear: to continue powering progress for individuals, businesses and communities, just as we have since 1916.
OUR FINANCIAL STRENGTH
KVB continues to deliver consistent financial performance, supported by sound fundamentals and disciplined execution. As of 31st March 2026, the Bank’s total business reached ₹2,14,420 crores, reflecting a 15 percent year-on-year growth.
The deposit base stood at ₹1,15,666 crores, while advances reached ₹98,754 crores. The Bank recorded a net profit of ₹2,510 crores, maintaining its position as a financially strong and efficiently managed institution.
Asset quality remained robust, with net NPA further reduced to 0.19%, reflecting the Bank’s prudent credit practices and effective risk management framework.
Karur Vysya Bank remains committed to leveraging technology, strengthening customer relationships, and expanding its reach across India with accessible and secure banking solutions.
| Particulars (Rs. in crores) | 2023-24 | 2024-25 | 2025-26 |
|---|---|---|---|
| Deposits | 89,113 | 1,02,078 | 1,15,666 |
| Advances | 74,423 | 84,491 | 98,754 |
| Net Profit | 1,605 | 1,942 | 2,510 |
| Particulars (Rs. in crores) | 2023-24 | 2024-25 | 2025-26 |
|---|---|---|---|
| Owned Funds | 10,040 | 11,929 | 14,107 |
| CRAR | 16.67% | 18.17% | 18.76% |
| Net NPA | 0.40% | 0.20% | 0.19% |
MAKING A PRESENCE
KVB has a pan India presence with a strong presence even in semi-urban and rural locations, with an extensive network of branches, ATMs & Cash Recyclers. Our strategic locations in these key markets anchor our operations and support our nationwide reach. We prioritise accessibility and convenience, ensuring our branches, ATMs, and cash recyclers serve as vital touchpoints for seamless transactions and personalised assistance to our valued customers.
In order to enhance processing efficiency and ensure quick turnaround times in the MSME sector, we operate 14 Business Banking Units and 9 Corporate Banking Units. As we continue to expand, we remain committed to upholding our values of integrity, customer-centricity, and innovation.
- 902 Branches
- 2,252 ATM + Cash Recyclers
- 22 States and UTs
- 45,000+ UPI & Sound Box
OUR JOURNEY SO FAR
What began in 1916 as a humble initiative in the small town of Karur has grown into one of India’s most respected and trusted financial institutions. Our founders envisioned a bank that would serve communities with integrity, prudence and compassion. Over the decades, that vision has evolved, keeping pace with changing times and expanding horizons. Yet, the core promise remains unchanged, to serve with responsibility and build trust through every interaction.
Milestones That Shaped Our Journey
KVB journey milestones 1916 to 2012
- 1916: Founded in Karur by Shri M A Venkatarama Chettiar and Shri Athi Krishna Chettiar
- 1920s–1940s: Early expansion across Tamil Nadu
- 1960s–1980s: Strengthened rural and semi-urban banking presence
KVB journey milestones 2013 to 2026
- 1990s–2000s: Technology adoption and nationwide branch growth
- 2010s: Digital banking and MSME focus
- 2024–2026: Business Today Best Small Indian Bank awards and continued digital transformation
Our journey is not defined by milestones alone but by the trust of millions of customers who have walked with us. As we step into the future, we carry forward this legacy with renewed energy, blending technology with tradition to deliver meaningful financial solutions for a changing world.
OUR PRODUCT PORTFOLIO
At KVB, we are cognizant of the unique financial aspirations of our diverse clientele. We deliver a compelling value proposition through a comprehensive suite of best-in-class products and services, continuously enhanced by cutting-edge digital tools and data-driven analytics.
We ensure a seamless customer experience across all touchpoints, fostering long-term trust and empowering financial success. This approach empowers us to gauge evolving financial needs and continuously develop innovative solutions.
Key offerings(Retail Loans)
- Housing Loans
- Personal Loans
- Mortgage Loans
- Four-wheeler Loans
- Two-wheeler Loans
- Gold Loans
- Deposit Loans
- Education Loans
- BNPL Loans
Key offerings(Liabilities)
- Current Account
- Savings Bank Account
- Credit Cards Eterna, Samara, Aura
- FASTag
- Recurring Deposits
- Term Deposits
- NRI Deposits
- 3-in-1 Account with Banking, Demat, and Trading Services
- Life, Health, and General Insurance
- Mutual Fund Products through Partner Tie-Ups
- Sovereign Gold Bonds
- Gift and Prepaid Cards
- Multi-Currency Travel Cards
- Locker Facilities
Key offerings(Commercial - Fund Based)
A. Fund-based facilities:
- Working Capital Finance up to Rs. 100 Lakh (based on GST, without audited financial statements)
- MSME Project Loans
- Export Credit Finance
- Machinery Loans
- Mortgage Loans
- Rent Fin Loans
- Commercial Real Estate (CRE) Loans
- Corporate Credit Card
- Bill Discounting
- Commercial Gold Loans
- Commercial Flexi Mobile Vehicle Loans
- Supply Chain Finance - Dealer Finance, Vendor Finance, TReDS, Factoring
- Cash Management Service - API, VA, Collections & Payment Services
B. Non-fund-based facilities:
- Bank Guarantees
- Letters of Credit (ILC/FLC)
Key offerings(Corporate and Institutional)
- Working Capital Finance
- Term Loans
- Specialised Corporate Finance Products
- Liquidity Management Solutions
Key offerings(Agriculture)
- Crop Loans
- Gold Loans
- Dairy Loans
- Fishery Loans
- Poultry Loans
- Horticulture Loans
- Warehouse Receipt Loans
- Agri Infrastructure Loans
- FPO Loans
- Joint Liability Group Loans
FUELING GROWTH THROUGH INNOVATION
At KVB, innovation is not merely an ambition; it is a mindset that shapes how we serve, grow and evolve. We have consistently embraced technology to redefine customer experiences, improve operational efficiency and make banking more accessible. Our digital-first approach ensures that customers enjoy seamless, secure and convenient services across every touchpoint, from mobile to branch. Through KVB DLite, our comprehensive mobile banking platform, we enable over 150 financial and non-financial services, simplifying banking and empowering customers to manage their finances with ease.
We were among the early adopters of end-to-end digital underwriting in retail and MSME lending, bringing greater speed, transparency and efficiency to credit delivery. This commitment to innovation extends across our ecosystem through robust digital payment solutions, automated onboarding journeys and agile platforms designed to serve the evolving needs of individuals, SMEs and corporates alike.
Internet Banking
End-to-end digital underwriting for retail and MSME loans
Pre-Approved Offers
Instant personal loans, credit cards and Buy Now Pay Later
Digital Banking
Over 150 services through KVB DLite mobile banking
Payments
Bharat QR, BHIM Aadhaar Pay, FASTag, POS, BBPS integration
Self-Service Solutions
Digital onboarding, deposits, transactions via mobile and web
Technology Adoption
AI, automation and analytics driving efficiency and security
BOARD OF DIRECTORS
Under their leadership, KVB has achieved remarkable milestones, including a 15% year-on-year growth in total business to ₹2.14 lakh crore as of March 2026, and highest net profit of ₹2,510 crore for the year ended 31.3.2026. The leadership's commitment to innovation and prudent risk management continues to position KVB as a resilient and forward-thinking institution in India's banking sector.
Dr. Meena Hemchandra
Non-Executive Independent (part-time) Chairperson
Shri B Ramesh Babu
Managing Director and Chief Executive Officer
Shri R Ramkumar
Non-Executive Non-Independent Director
Shri K G Mohan
Non-Executive Independent Director
Dr. R Harshavardhan
Non-Executive Independent Director
Shri Murali Ramaswami
Non-Executive Independent Director
CA Dr. Chinnasamy Ganesan
Non-Executive Independent Director
Shri R Vidhya Shankar
Non-Executive Independent Director
Smt. Srimathy Sridhar
Non-Executive Independent Director
Shri Sankar Balabhadrapatruni
Executive Director
Dr Mythili Vutukuru
Additional Director under Independent Category
ACCOLADES
Best Small Indian Bank
Business Today - 2024
Best Small Indian Bank
Business Today - 2025
Best Small Indian Bank
Business Today - 2026
100+ Awards. Built on 110 Years of Legacy.
OUR COMMITMENT TO THE COMMUNITY
We believe banking is not just about numbers, it’s about nurturing lives and communities. Our commitment to Corporate Social Responsibility (CSR) and Environmental, Social, and Governance (ESG) principles reflects our purpose: building a better, inclusive, and sustainable tomorrow.
In FY 2025–26, KVB initiated 44 impactful CSR projects across Tamil Nadu, Andhra Pradesh and Karnataka spanning healthcare, education, environment, livelihood, and more.
Education & Skill Development
- Solar Power for Government Schools:
- Solar energy systems installed in 20 government schools across Tiruvallur and Chengalpattu districts.
- Financial Literacy for School Students:
- Financial awareness programme reaching 3,150 students across leading schools nationwide.
- Rural Financial Literacy:
- Financial inclusion and literacy initiatives targeting 32,000 beneficiaries across Tamil Nadu and Karnataka.
- Sports for Excellence:
- Sports and life-skills programme benefiting 2,500 adolescents in Jawadhu Hills, Tamil Nadu.
Health, Hygiene & Sanitation
- Sankara Eye Hospital Expansion:
- Support for expansion of eye care infrastructure in Coimbatore, enabling 7,500–10,000 additional surgeries annually.
- Old Age Home Expansion:
- Additional residential and kitchen facilities supporting 30 more senior citizens in Karur.
- Rural Health Infrastructure:
- Advanced medical equipment support to Government Medical College Hospital, Karur, benefiting over 18,000 patients annually.
- Youth Suicide & Gambling Prevention:
- Mental health awareness, counselling, and prevention support reaching over 8,000 youth in Kolar, Karnataka.
- Breast Cancer Screening:
- AI-enabled breast cancer screening and awareness programme for 15,000 women in Mysuru.
- Community-Based Early Intervention:
- Early detection and rehabilitation support for over 260 children with developmental disabilities in Dindigul.
- Nutrition Support for Children Living with HIV:
- Monthly nutritional assistance and healthcare support for 510 children across Tamil Nadu, Andhra Pradesh, and Telangana.
- Emergency Medical Support:
- Ambulance and patient transport facilities provided to Periyar Government Hospital, Chennai.
Environment & Sustainability
- Noyyal River Anicut Rejuvenation:
- Restoration of irrigation structures and water channels to improve groundwater recharge and agricultural resilience in Coimbatore.
- Sponge Park Development:
- Creation of a climate-resilient urban green space supporting stormwater management and groundwater recharge in Tambaram.
- Guindy National Park Enhancement:
- Infrastructure, conservation, and environmental education support for one of Chennai’s key biodiversity parks.
- Western Ghats Ecosystem Conservation:
- Biodiversity conservation and human-wildlife coexistence initiatives in the Nilgiris landscape.
- Sakthi Gram:
- Water and energy security initiatives benefiting nearly 1,000 households in Ramanathapuram.
- Solar Street Lights:
- Installation of 40 solar-powered streetlights improving safety and mobility for rural communities in Dindigul.
- Irrigation Tank Renovation:
- Restoration of six water harvesting structures supporting water security and agriculture in Karur district.
- Sustainable Urban Sanitation:
- Electric waste collection vehicles provided to strengthen municipal sanitation services in Kulithalai and Madurai.
- Eco-Friendly Mobility for Pilgrims:
- Battery-operated buggy support for elderly and differently-abled pilgrims at Palani Temple.
- Model Village Framework:
- Model village development programme benefiting 1,000+ households in Kumarapuram, Andhra Pradesh.
- Palm Livelihood Empowerment:
- Livelihood support for rural and marginalized communities through palm-based skill development and value-chain enhancement in Tuticorin.
Additional Initiatives
- Solar power for 20 government schools in Tiruvallur and Chengalpattu
- Financial literacy for 3,150 school students nationwide
- Rural financial literacy reaching 32,000 beneficiaries
- Sports and life-skills programme for 2,500 adolescents in Jawadhu Hills
- Model village development benefiting 1,000+ households in Kumarapuram
- Palm livelihood empowerment in Tuticorin
FUTURE OUTLOOK
For 110 years, Karur Vysya Bank has adapted to changing times while remaining anchored in the values that have defined its journey. As the financial landscape continues to evolve, the Bank is focused on building the next chapter of growth through innovation, agility and a deeper understanding of customer needs.
Strong business performance, disciplined governance and a resilient operating model provide a solid foundation for the future. By combining the trust earned over generations with the opportunities created by technology, KVB is well-positioned to deliver banking experiences that are seamless, secure and relevant in an increasingly digital world.
Going forward, KVB aims to:
- Advance digital banking solutions across retail, MSME and corporate segments
- Extend meaningful financial access through an expanded presence in semi-urban and rural markets
- Maintain strong asset quality and capital strength through prudent and responsible management
- Integrate sustainability into business practices through ESG-focused initiatives
- Leverage emerging technologies, including AI, automation and analytics, to enhance efficiency and customer experience
As it moves forward, KVB remains committed to creating long-term value for customers, shareholders, employees and communities.
Guided by its legacy and inspired by future possibilities, the Bank will continue powering progress through responsible growth, purposeful innovation and enduring relationships.
