Legacy of Discipline.
Future of Growth.

Since its inception in 1916 in Karur, Tamil Nadu, Karur Vysya Bank ('KVB', 'The Bank', ' Your Bank', ' We') has steadily transformed into a leading financial institution with a strong national footprint. From our origins as a bank serving local traders and the agricultural community, we have grown into a modern banking powerhouse serving retail, commercial, agricultural, MSME and corporate customers across India.

Built on a strong foundation of trust, we combine banking expertise with digital innovation to deliver simple, secure and customer-focused financial solutions.

Our commitment extends beyond financial growth. Through responsible banking, sustainable practices and community development initiatives, we strive to create lasting value for the communities we serve. At the same time, we support economic progress through technology adoption, fintech partnerships and greater financial inclusion, while upholding the highest standards of integrity, governance and stakeholder value creation.

Vision

To be the preferred choice of stakeholders and deliver value by blending technology with tradition.

Mission

To provide superior banking experience by using technology to deliver the entire gamut of financial products under one roof, easily available to the customers across physical and digital channels.

Ratings

Rating Agency Instrument Ratings*
Certificate of Deposit [ICRA] A1+
Issuer Rating [ICRA] AA (Stable)
Certificate of Deposit CRISIL A1+
Short Term Fixed Deposit CARE A1+
Fixed Deposits CARE AA (Stable)

*All ratings were reaffirmed as on date

Business Segments

Structured across four focused business divisions - Commercial Banking, Consumer Banking, Agricultural Banking and Corporate and Institutional Banking - our offerings span a comprehensive suite of products and services. We have tailored these products and services, keeping the evolving needs of individuals, businesses and enterprises at every stage of their financial journey in mind.

Commercial Banking Group (CBG)
Key Offerings
Fund-Based Facilities
  • Working Capital Finance
    • Open Cash Credit
    • Secured Overdraft
    • Cash Credit against Book Debts
  • Term Loan
    • Machinery Loans
    • Commercial Mortgage Term Loans
    • Rentfin
    • Commercial Real Estate (CRE) Loans
    • Commercial Vehicle Loans
    • Commercial Gold Loan
  • Export Credit Finance
    • Pre-Shipment Finance
    • Post-Shipment Finance
  • Transaction Banking Services
    • Supply Chain Finance (Dealer/Vendor Finance)
    • TReDS
    • Factoring
  • Cash Flow Based Products
    • GST Overdraft (up to ₹200 Lakh)
    • GST Surrogate Master (up to ₹200 Lakh)
Non-Fund Based Facilities
  • Bank Guarantees (including e-BG)
  • Letter of Credit (ILC/FLC)

69.20 Lakh

Average Ticket Size

Consumer Banking Department (CBD)
Key Offerings
Retail Assets
  • Housing Loans
  • Two-Wheeler Loans
  • Personal Loans
  • Gold Loans
  • Mortgage Loans
  • Deposit Loans
  • Four-Wheeler Loans
  • Education Loans
  • Rentfin Loans
  • Credit Cards

16.54 Lakh

Average Ticket Size

Retail Liabilities
  • Current Accounts
  • Savings Accounts
  • Cash Management Services
  • Life, Health and General Insurance through Partners
  • FASTag
  • Recurring Deposits
  • Mutual Fund Products through Partner Tie-Ups
  • Term Deposits
  • NRI Deposits
  • Debit Cards with Offers and Reward Program
  • Gift and Prepaid Cards
  • Multi-Currency Travel Cards
  • Demat Services
  • Trading Services through Tie-Up with Partners
  • Merchant Acquiring Solutions including POS, UPI QR, Payment Gateway (PG)
  • Bharat Connect (BBPS)
  • Locker Facility
  • Social Security Schemes such as APY, PMSBY, PMJJBY and National Pension System, among Others
Agricultural Banking Group (ABG)
Key Offerings
  • Crop Loans
  • Dairy Loans
  • Fishery Loans
  • Poultry Loans
  • Horticulture Loans
  • Warehouse Receipt Loans
  • Agri Infrastructure Loans
  • FPO Loans
  • Joint Liability Group Loans
  • Agri Gold Loans

3.60 Lakh

Average Ticket Size

Corporate & Institutional Group (CIG)
Key Offerings
  • Working Capital Finance
  • Term Loans
  • Specialised Corporate Finance Products

37.01 Crore

Average Ticket Size