CreditBrief

What Karur Vysya Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹1.12 lakh crore (+13% since March).

Karur Vysya BankPrivate banks

₹98,754croregross advances on 31 Mar 2026: lent and not yet repaid

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Size among peers26thof 33 banks on CreditBrief, March 2026
Biggest segment35.3%Commercial, latest split (30 Sep 2026)
Share of the combined book0.5%of all banks on CreditBrief

Chapter 01 · The loan book

₹98,754 crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in Karur Vysya Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from commercial down, and you get ₹98,754 crore. By 30 Sep 2026 it was ₹1.12 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

50%People and households₹56,169 croreRetail (Personal Banking)Agriculture
50%Businesses₹55,420 croreCommercialCorporate

Drilling down: what it lends against · 30 Sep 2026

  • Commercial₹39,407 crore35.3%
  • Retail (Personal Banking)₹29,024 crore26%
  • Agriculture₹27,145 crore24.3%
  • Corporate₹16,013 crore14.3%

Leaves out ₹1,790 crore of corporate bonds held in place of loans. Gold loans (₹32,153 crore) sit inside agriculture and retail rather than on their own.

Sources: Karur Vysya Bank Investor Presentation Q4 FY26, PDF page 14 ↗ for March 2026; Karur Vysya Bank Investor Presentation Q2 FY27 (exchange filing), PDF page 16 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 15% a year since March 2022.

From ₹56,876 crore on 31 March 2022 to ₹98,754 crore on 31 March 2026, and ₹1.12 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights39 figures from 11 filings · each checked against its pageHow it works
Karur Vysya Bank · loan book · 31 March 2026₹98,754crore+17% in FY2025-26₹1.12 lakh crore by 30 Sep 2026
  1. 0115%a year since 2022Grew 15% a year from March 2022 to March 2026, faster than 12 of the 29 other banks with like-for-like figures for those years.
  2. 0217%in FY2025-26Growth picked up to 17% in FY2025-26, from 14% the year before.
  3. 0325thamong peersSlipped from 25th to 26th biggest of these 33 banks between March 2022 and March 2026.
Deposits₹1.16 lakh crore+13% · in FY2025-26
Loans to deposits85.4%+2.6 pts · in FY2025-26
CASA ratio26.9%-0.4 pts · in FY2025-26
Retail, agriculture and MSME loans₹85,260 crore+18% · in FY2025-26
Corporate and wholesale loans₹13,494 crore+12% · in FY2025-26
Branches901+1.5% · in FY2025-26
Mobile app users2.4 million+16% · in FY2023-24
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · gross advances56,87664,16874,42384,49198,7541,11,589
Retail, agriculture and MSME loans₹ crore50,82560,47472,44485,26095,576
Corporate and wholesale loans₹ crore12,54313,34313,94912,04713,49416,013
Deposits₹ crore68,67676,63889,1131,02,0781,15,6661,28,123
CASA ratio%35.0033.0030.3927.2726.9127.52
BranchesNumber789799838888901921
Mobile app usersMillion1.82.12.43.3

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at Karur Vysya Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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Its last results, as an alert

CreditBrief Insightsto you

Karur Vysya Bank, Q2 FY2026-27: loan book ₹1.12 lakh crore, +13% since March

  • ₹1.12 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Commercial, 35% of the book
  • Every figure links to page 16 of its filing

Chapter 03 · Among its peers

26th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 0.5% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore
  9. 26Karur Vysya Bank₹98,754 crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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