# Karur Vysya Bank

> Private banks. Figures from the lender's own filings, each checked against the page it came from.

Page: https://creditbrief.in/lenders/kvb

## Loan book

- ₹98,754 crore on 31 March 2026, the end of FY2025-26 (Gross advances).
- ₹1.12 lakh crore on 30 Sep 2026, the latest half-year balance.
- Source: Karur Vysya Bank Investor Presentation Q4 FY26, PDF page 14: https://nsearchives.nseindia.com/corporate/KARURVYSYA_07052026155944_NSE_BSE_IP_DSC.pdf

## Findings

- Grew 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.
- Growth picked up to 17% in FY2025-26, from 14% the year before.
- Slipped from 25th to 26th biggest of these 33 banks between March 2022 and March 2026.

## What it lends against (30 Sep 2026)

- Commercial: ₹39,407 crore (35.3%)
- Retail (Personal Banking): ₹29,024 crore (26%)
- Agriculture: ₹27,145 crore (24.3%)
- Corporate: ₹16,013 crore (14.3%)

Source: Karur Vysya Bank Investor Presentation Q2 FY27 (exchange filing), PDF page 16: https://nsearchives.nseindia.com/corporate/KARURVYSYA_15102026154151_NSE_BSE_IP_DSC.pdf

## Figures by period

| Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 |
|---|---|---|---|---|---|---|
| Loan book (₹ crore) | 56,876 | 64,168 | 74,423 | 84,491 | 98,754 | 1,11,589 |
| Retail, agriculture and MSME loans (₹ crore) |  | 50,825 | 60,474 | 72,444 | 85,260 | 95,576 |
| Corporate and wholesale loans (₹ crore) | 12,543 | 13,343 | 13,949 | 12,047 | 13,494 | 16,013 |
| Deposits (₹ crore) | 68,676 | 76,638 | 89,113 | 1,02,078 | 1,15,666 | 1,28,123 |
| CASA ratio (%) | 35.00 | 33.00 | 30.39 | 27.27 | 26.91 | 27.52 |
| Branches (Number) | 789 | 799 | 838 | 888 | 901 | 921 |
| Mobile app users (Million) | 1.8 | 2.1 | 2.4 |  |  | 3.3 |

### Sources for each figure

- Loan book, FY2021-22 (31 Mar 2022): "Gross Advances 64,168 56,876 13 62,081 3" (Karur Vysya Bank Investor Presentation Q4 FY23, PDF page 15) https://nsearchives.nseindia.com/corporate/KARURVYSYA_15052023165956_NSE_BSE_IP.PDF
- Loan book, FY2022-23 (31 Mar 2023): "Gross Advances 64,168 56,876 13 62,081 3" (Karur Vysya Bank Investor Presentation Q4 FY23, PDF page 15) https://nsearchives.nseindia.com/corporate/KARURVYSYA_15052023165956_NSE_BSE_IP.PDF
- Loan book, FY2023-24 (31 Mar 2024): "Gross Advances 74,423 64,168 16 72,692 2" (Karur Vysya Bank Investor Presentation Q4 FY24, PDF page 15) https://nsearchives.nseindia.com/corporate/KARURVYSYA_13052024161333_NSE_BSE_IP_signed.pdf
- Loan book, FY2024-25 (31 Mar 2025): "Gross Advances 84,491 74,423 14 82,838 2" (Karur Vysya Bank Investor Presentation Q4 FY25, PDF page 15) https://nsearchives.nseindia.com/corporate/KARURVYSYA_19052025171855_NSE_BSE_IP_DS.pdf
- Loan book, FY2025-26 (31 Mar 2026): "Gross Advances 98,754 84,491 17 97,052 2" (Karur Vysya Bank Investor Presentation Q4 FY26, PDF page 14) https://nsearchives.nseindia.com/corporate/KARURVYSYA_07052026155944_NSE_BSE_IP_DSC.pdf
- Loan book, 30 Sep 2026: "Gross Advances 1,11,589 92,724 20 1,04,680 7" (Karur Vysya Bank Investor Presentation Q2 FY27 (exchange filing), PDF page 16) https://nsearchives.nseindia.com/corporate/KARURVYSYA_15102026154151_NSE_BSE_IP_DSC.pdf
- Retail, agriculture and MSME loans, FY2022-23 (31 Mar 2023): "Sub Total 60,474 50,825" (Karur Vysya Bank Investor Presentation Q4 FY24 (March 2024), PDF page 15) https://www.kvb.bank.in/docs/investor-presentation-2024-05-13.pdf
- Retail, agriculture and MSME loans, FY2023-24 (31 Mar 2024): "RAM Verticals 72,444 60,474" (Karur Vysya Bank Investor Presentation Q4 FY25 (March 2025), PDF page 15) https://www.kvb.bank.in/docs/investor-presentation-2025-05-19.pdf
- Retail, agriculture and MSME loans, FY2024-25 (31 Mar 2025): "RAM Verticals 72,444 60,474" (Karur Vysya Bank Investor Presentation Q4 FY25 (March 2025), PDF page 15) https://www.kvb.bank.in/docs/investor-presentation-2025-05-19.pdf
- Retail, agriculture and MSME loans, FY2025-26 (31 Mar 2026): "RAM Verticals 85,260 72,444" (Karur Vysya Bank Investor Presentation Q4 FY26 (March 2026), PDF page 15) https://www.kvb.bank.in/docs/investor-presentation-2026-05-07.pdf
- Retail, agriculture and MSME loans, 30 Sep 2026: "RAM Verticals 95,576 79,846" (Karur Vysya Bank Investor Presentation Q2 FY27 (September 2026), PDF page 15) https://www.kvb.bank.in/docs/investor-presentation-2026-10-15.pdf
- Corporate and wholesale loans, FY2021-22 (31 Mar 2022): "Corporate (after Tech. W/off) 12,543" (Karur Vysya Bank Investor Presentation Q4 FY22 (March 2022), PDF page 16) https://www.kvb.bank.in/docs/investor-presentation-2022-05-20.pdf
- Corporate and wholesale loans, FY2022-23 (31 Mar 2023): "Corporate 13,949 13,343" (Karur Vysya Bank Investor Presentation Q4 FY24 (March 2024), PDF page 15) https://www.kvb.bank.in/docs/investor-presentation-2024-05-13.pdf
- Corporate and wholesale loans, FY2023-24 (31 Mar 2024): "Corporate 13,949 13,343" (Karur Vysya Bank Investor Presentation Q4 FY24 (March 2024), PDF page 15) https://www.kvb.bank.in/docs/investor-presentation-2024-05-13.pdf
- Corporate and wholesale loans, FY2024-25 (31 Mar 2025): "Corporate 12,047 13,949" (Karur Vysya Bank Investor Presentation Q4 FY25 (March 2025), PDF page 15) https://www.kvb.bank.in/docs/investor-presentation-2025-05-19.pdf
- Corporate and wholesale loans, FY2025-26 (31 Mar 2026): "Corporate 13,494 12,047" (Karur Vysya Bank Investor Presentation Q4 FY26 (March 2026), PDF page 15) https://www.kvb.bank.in/docs/investor-presentation-2026-05-07.pdf
- Corporate and wholesale loans, 30 Sep 2026: "Corporate 16,013 12,878" (Karur Vysya Bank Investor Presentation Q2 FY27 (September 2026), PDF page 15) https://www.kvb.bank.in/docs/investor-presentation-2026-10-15.pdf
- Deposits, FY2021-22 (31 Mar 2022): "Deposits 68,676 63,278" (Karur Vysya Bank Investor Presentation Q4 FY22 (March 2022), PDF page 15) https://www.kvb.bank.in/docs/investor-presentation-2022-05-20.pdf
- Deposits, FY2022-23 (31 Mar 2023): "Deposits 76,638 68,486" (Karur Vysya Bank Investor Presentation Q4 FY23 (March 2023), PDF page 14) https://www.kvb.bank.in/docs/investor-presentation-2023-05-15.pdf
- Deposits, FY2023-24 (31 Mar 2024): "Deposits 89,113 76,638" (Karur Vysya Bank Investor Presentation Q4 FY24 (March 2024), PDF page 14) https://www.kvb.bank.in/docs/investor-presentation-2024-05-13.pdf
- Deposits, FY2024-25 (31 Mar 2025): "Deposits 1,02,078 89,113" (Karur Vysya Bank Investor Presentation Q4 FY25 (March 2025), PDF page 14) https://www.kvb.bank.in/docs/investor-presentation-2025-05-19.pdf
- Deposits, FY2025-26 (31 Mar 2026): "Total Deposit 1,15,666 1,02,078" (Karur Vysya Bank Investor Presentation Q4 FY26 (March 2026), PDF page 13) https://www.kvb.bank.in/docs/investor-presentation-2026-05-07.pdf
- Deposits, 30 Sep 2026: "Deposits 1,28,123 1,10,492" (Karur Vysya Bank Investor Presentation Q2 FY27 (September 2026), PDF page 13) https://www.kvb.bank.in/docs/investor-presentation-2026-10-15.pdf
- CASA ratio, FY2021-22 (31 Mar 2022): "CASA (%) 35 34" (Karur Vysya Bank Investor Presentation Q4 FY22 (March 2022), PDF page 15) https://www.kvb.bank.in/docs/investor-presentation-2022-05-20.pdf
- CASA ratio, FY2022-23 (31 Mar 2023): "CASA (%) 33 35" (Karur Vysya Bank Investor Presentation Q4 FY23 (March 2023), PDF page 14) https://www.kvb.bank.in/docs/investor-presentation-2023-05-15.pdf
- CASA ratio, FY2023-24 (31 Mar 2024): "CASA (%) 27.27 30.39" (Karur Vysya Bank Investor Presentation Q4 FY25 (March 2025), PDF page 14) https://www.kvb.bank.in/docs/investor-presentation-2025-05-19.pdf
- CASA ratio, FY2024-25 (31 Mar 2025): "CASA (%) 27.27 30.39" (Karur Vysya Bank Investor Presentation Q4 FY25 (March 2025), PDF page 14) https://www.kvb.bank.in/docs/investor-presentation-2025-05-19.pdf
- CASA ratio, FY2025-26 (31 Mar 2026): "CASA (%) 26.91 27.27" (Karur Vysya Bank Investor Presentation Q4 FY26 (March 2026), PDF page 13) https://www.kvb.bank.in/docs/investor-presentation-2026-05-07.pdf
- CASA ratio, 30 Sep 2026: "CASA (%) 27.52 27.65" (Karur Vysya Bank Investor Presentation Q2 FY27 (September 2026), PDF page 13) https://www.kvb.bank.in/docs/investor-presentation-2026-10-15.pdf
- Branches, FY2021-22 (31 Mar 2022): "Branches 789 780 779" (Karur Vysya Bank Investor Presentation Q4 FY22 (March 2022), PDF page 6) https://www.kvb.bank.in/docs/investor-presentation-2022-05-20.pdf
- Branches, FY2022-23 (31 Mar 2023): "Branches 799 789 780" (Karur Vysya Bank Investor Presentation Q4 FY23 (March 2023), PDF page 4) https://www.kvb.bank.in/docs/investor-presentation-2023-05-15.pdf
- Branches, FY2023-24 (31 Mar 2024): "Branches 838 799 789" (Karur Vysya Bank Investor Presentation Q4 FY24 (March 2024), PDF page 4) https://www.kvb.bank.in/docs/investor-presentation-2024-05-13.pdf
- Branches, FY2024-25 (31 Mar 2025): "Branches 888 838 799" (Karur Vysya Bank Investor Presentation Q4 FY25 (March 2025), PDF page 5) https://www.kvb.bank.in/docs/investor-presentation-2025-05-19.pdf
- Branches, FY2025-26 (31 Mar 2026): "Branches 901 888 838" (Karur Vysya Bank Investor Presentation Q4 FY26 (March 2026), PDF page 35) https://www.kvb.bank.in/docs/investor-presentation-2026-05-07.pdf
- Branches, 30 Sep 2026: "Branches 921 903 901" (Karur Vysya Bank Investor Presentation Q2 FY27 (September 2026), PDF page 37) https://www.kvb.bank.in/docs/investor-presentation-2026-10-15.pdf
- Mobile app users, FY2021-22 (31 Mar 2022): "Registered Accounts users Opened 17.60L 2.95L" (Karur Vysya Bank Investor Presentation Q4 FY22 (March 2022), PDF page 37) https://www.kvb.bank.in/docs/investor-presentation-2022-05-20.pdf
- Mobile app users, FY2022-23 (31 Mar 2023): "Registrations Accounts 20.96 L Opened" (Karur Vysya Bank Investor Presentation Q4 FY23 (March 2023), PDF page 39) https://www.kvb.bank.in/docs/investor-presentation-2023-05-15.pdf
- Mobile app users, FY2023-24 (31 Mar 2024): "24.28 users" (Karur Vysya Bank Investor Presentation Q4 FY24 (March 2024), PDF page 36) https://www.kvb.bank.in/docs/investor-presentation-2024-05-13.pdf
- Mobile app users, 30 Sep 2026: "Registrations Opened 33.11 L Users" (Karur Vysya Bank Investor Presentation Q2 FY27 (September 2026), PDF page 33) https://www.kvb.bank.in/docs/investor-presentation-2026-10-15.pdf

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