Tribute to our Visionary Founders
Founded in 1916 in the town of Karur, Karur Vysya Bank has grown over the past 110 years into one of India’s respected banking institutions. The Bank was established through the foresight and determination of Shri M. A. Venkatarama Chettiar and Shri Athi Krishna Chettiar, who came together with a shared vision to support farmers and traders affected by the economic challenges following the First World War.
With an initial capital of ₹1 Lakh, raised largely through personal guarantees to investors, the founders laid a strong foundation built on trust, integrity and responsibility. Through the adoption of progressive provisions in the Articles of Association, the institution established a strong foundation for ethical banking and social accountability, setting a precedent for practices that later became more common within the banking sector.
Over the decades, this commitment to customer-centricity, integrity and community development has shaped the Bank’s journey. From our humble beginnings in Karur to becoming a pan-India banking institution, Karur Vysya Bank today serves more than 10 Mn customers with a wide range of tailored financial products and services.
As we continue to evolve in a dynamic financial landscape, we remain firmly rooted in the values our founders envisioned. Their legacy continues to inspire us as we pursue sustainable growth and contribute meaningfully to India’s economic progress.
Understanding the Reports
FY 2025-26 Performance Overview
Where to Find?
Risk and Opportunity Management
Where to Find?
Sustainability Progress
Where to Find?
Statutory and Regulatory Disclosures
Where to Find?Growth in Numbers.
Consistency in Outcomes.
Financial Highlights
₹2,14,420 Crore
Total Business
15% Y-o-Y Growth
17.79%
RoE
151 bps Y-o-Y Growth
4.11%
NIM
2 bps Y-o-Y Growth
18.76%
Capital Adequacy Ratio
59 bps Y-o-Y Growth
₹1,15,666 Crore
Total Deposits
13% Y-o-Y Growth
0.19%
Net NPAs
(1) bps Y-o-Y Growth
₹98,754 Crore
Total Advances
17% Y-o-Y Growth
130%
Proposed Dividend
1.93%
RoA
21 bps Y-o-Y Growth
₹2,510 Crore
Net Profit
29% Y-o-Y Growth
Manufactured Capital
13
Branches Added
Intellectual Capital
97%
Transactions Served Digitally
22%
Y-o-Y Growth in Digital Transactions
Natural Capital
605 tCO2e
GHG Emissions Avoided
209.02 MT
Waste Recycled
Human Capital
9,883
Employees
28%
Women Employees
27.53
Average Training Hours per Employee
2,68,148
Total Training Hours(Excl. Part-Time Staff)
Social and Relationship Capital
1,02,08,660
Customers
10,25,365
New Customers
2,83,721
Lives Impacted
₹40.65 Crore
CSR Spend
Governance
78%
Independent Directors (as on Date)
33%
Women Directors
195 Hours
Training Programs for the Directors
Chairperson's
Message
As Chairperson, I take this opportunity to acknowledge the efforts of our leadership team and employees, whose dedication enabled the Bank to deliver with consistency in a dynamic operating environment. Their ability to serve customers with responsiveness, uphold internal discipline and support the Bank’s priorities has been central to the progress.
Managing Director
& CEO's Message
Completing 110 years is a reminder of the responsibility we carry as custodians of an institution built over generations. For KVB, legacy has always been about preserving the values of trust, prudence and service while continuously adapting to the needs of customers, businesses and communities.
Executive Director's
Message
We are building a bank that is agile enough to innovate and stable enough to endure. Our strategy is built on balancing growth with prudence, ensuring that we deliver consistent returns while upholding the trust placed in us.
Prepared for Progress.
Driven by Change,
Prepared for Progress.
As the banking landscape continues to evolve through digital innovation, artificial intelligence, expanding financial inclusion and infrastructure-led development, we remain well positioned to capitalize on these transformative opportunities. By investing in technology, customer-focused innovations and prudent risk management, we are enhancing our capabilities throughout the Bank while boosting operational efficiency, resilience and sustainable long-term development.
Growth with Control.
Prudence with Foresight.
Growth with Control.
Effective risk management is important for maintaining financial stability and supporting sustainable growth in a dynamic banking environment. We implement a structured framework to identify, assess, monitor and manage risks while ensuring compliance with regulatory requirements and alignment with the Bank's strategic objectives. This approach strengthens the Bank's resilience, protects stakeholder interests and supports its ability to respond effectively to changing economic conditions.
Decisions with Discipline.
Priorities with Purpose.
Decisions with Discipline.
Sustainability is integrated into our decision-making through a comprehensive Materiality Assessment process. This process helps us prioritize key Environmental, Social and Governance (ESG) topics that are most significant to stakeholders and the business, ensuring they align with our strategic objectives. By focusing on the areas with the greatest impact, we enhance long-term resilience, generate meaningful value and promote responsible growth.
Delivering Consistently.
Engaging Responsibly.
Delivering Consistently.
Stakeholder perspectives remained central to our sustainability approach in FY 2025-26. Through consistent engagement with customers, employees, investors, regulators, communities and other key stakeholders, we identified the ESG issues most relevant to both our business and stakeholders. These discussions informed our strategic choices, enhanced our ability to respond to emerging concerns and fostered long-term, value-based growth.
Execution with Discipline.
Focus with Direction.
Execution with Discipline.
Our growth journey is guided by a clear, future-focused strategy centered on five key pillars: People, Processes, Practices, Planning and Partnerships. These pillars shape how we create long-term value, enhance our competitive edge and respond swiftly to changing market opportunities.
Shaping Strategy.
Safeguarding Value.
Dr Meena Hemchandra
Independent (Part-Time) Chairperson
Shri B Ramesh Babu
Managing Director & CEO
Dr Harshavardhan R
Independent Director
Shri Murali Ramaswami
Independent Director
CA Dr Chinnasamy Ganesan
Independent Director
Shri R Vidhya Shankar
Independent Director
Smt Srimathy Sridhar
Independent Director
Shri B Sankar
Executive Director
Dr Mythili Vutukuru
Independent Director
Leading Transformation.
Sustaining Momentum.
B Ramesh Babu
Managing Director & CEO
B Sankar
Executive Director
Chandrasekaran M S
Chief Operating Officer
Immanuel Gnanaraj Daniel
Chief Human Resources Officer
Ramshankar R
Chief Financial Officer
V S R A Kumar Ravutu
OSD
Nitin Rangaswami A
Head Retail Assets
Jatla Sivaramakrishna
Chief Risk Officer
Vinoth Kumar S
Head Branch Channel Retail Assets
Ravi S
Head Agricultural Banking Group
Gopal S T
Head Retail Liabilities
Mohan Kumar G
Chief Compliance Officer
Saravanan S
Chief Information Technology Officer
Ganesan R
Head Internal Audit
Vijayakumar P V
Head Operations
Muthu Kumar K P
Head Commercial Banking Group
Vippala Ramachandra Reddy
Head Treasury
Ravinder Aggarwal
Head Corporate & Institutional Group