Karur Vysya Bank (KVB) 2026 Guide

Karur Vysya Bank (KVB) 2026 Guide: History, CEO & Chairperson, Head Office, Branches/ATMs, Products, Loans, Forex, FY26 Financials, FAQs, MCQs + Short Notes

Karur Vysya Bank (KVB) is one of India’s well-known “old private sector” banks, rooted in Tamil Nadu and expanded across the country through a strong retail–MSME–agri mix and a steadily growing digital banking layer. For competitive exams, interviews, and GK notes, KVB is frequently asked because it is over 100 years old, has a clear regional origin (Karur), and regularly publishes investor-friendly performance updates and annual reports.

This long-form 2026 guide covers everything you asked for: established year, present CEO/Chairperson, head office, branches & ATMs, products & services, loan process step-by-step, foreign exchange products, deposit and retail products, FY2026 financial report highlights, FAQs, MCQs, and short notes.

1) About Karur Vysya Bank (KVB)

The Karur Vysya Bank Limited is a scheduled commercial bank headquartered in Karur, Tamil Nadu, and it serves individual, MSME, agricultural, and corporate customers. In the bank’s own profile and FY26 communications, KVB emphasizes three core performance themes: growth, profitability, and asset quality—a useful “one-liner” for interviews and exam answers.

2) Established Year (Foundation) + Founders

✅ Established year

KVB was set up in 1916.

✅ Founders (commonly asked)

KVB’s origins are linked to two prominent individuals from Karur—Sri M. A. Venkatarama Chettiar and Sri Athi Krishna Chettiar—who founded the bank in 1916 with a strong community/business support vision.

Exam memory line:
KVB Founded: 1916 | Place: Karur | Founders: M.A. Venkatarama Chettiar & Athi Krishna Chettiar

3) Head Office / Registered & Central Office (HQ)

KVB’s official contact page lists its Registered & Central Office as:

THE KARUR VYSYA BANK LIMITED,
No. 20, Erode Road, Vadivel Nagar, L.N.S., Karur – 639002 (Tamil Nadu)

This is the best line to write when the exam asks: “KVB Head Office / HQ”.

4) Present CEO and Chairperson (Latest)

Leadership questions are high-frequency in Banking Awareness.

✅ Managing Director & CEO (MD & CEO)

KVB’s Board page clearly mentions: Shri B. Ramesh Babu — Managing Director and Chief Executive Officer.

✅ Chairperson (Part-time, Non-Executive Independent)

KVB’s Board page lists: Dr Meena Hemchandra — Non-Executive Independent (Part-time) Chairperson.

Exam-ready line:
MD & CEO: B. Ramesh Babu | Chairperson: Dr Meena Hemchandra

5) Total Number of Branches and ATMs (As on 31 March 2025)

KVB’s official press release for the year ended 31 March 2025 provides the latest distribution network numbers:

• Branches: 888 branches (+ 1 Digital Banking Unit)

• ATMs / Cash Recyclers: 2,252

These figures are ideal for 2025 notes, because they come directly from the bank’s exchange-filed press release.

6) Products and Services of Karur Vysya Bank (KVB)

To write a strong answer (SEO + exam), present KVB offerings in categories. Even if product names change over time, these categories remain stable.

A) Deposit Products (KVB Deposits)

Deposits are the foundation of banking. KVB’s deposit base and CASA are discussed in its FY25 performance commentary and annual report sections, indicating the bank’s focus on growing deposits and maintaining a CASA mix.

1) Savings Account (SB)

• For individuals, students, salaried, self-employed

• ATM/debit card + UPI/IMPS/NEFT/RTGS access via digital channels (typical banking services)

2) Current Account (CA)

• For businesses, traders, firms, institutions

• High transaction usage, collections & payments

3) Fixed Deposit (FD) / Term Deposit

• Lump-sum deposit for a fixed period

• Choose payout: monthly/quarterly/at maturity (as offered)

4) Recurring Deposit (RD)

• Monthly savings habit product

• Suitable for goal-based saving

5) NRI Deposits (common banking category)

• NRE/NRO/FCNR style categories are commonly offered by Indian banks for NRI needs (confirm exact options on KVB’s official product pages when you publish).

B) Retail Banking Products (Personal Banking)

Retail banking typically includes:

• Accounts, cards, digital banking

• Personal loans, home loans, vehicle loans, education loans

• Insurance/third-party distribution and investment services (as allowed under regulations)

• Bill payments, merchant payments, QR/UPI services

KVB also highlights a strong digital layer in its banking profile, including multiple digital services and end-to-end digital underwriting for certain retail/MSME loans.

C) MSME & Business Banking

KVB is known for MSME lending and “RAM” growth (Retail, Agriculture, MSME), which the bank’s FY25 press release explicitly highlights as a strategic growth driver.

Common MSME products include:

• Working capital (cash credit/overdraft)

• Term loans (capex, machinery, expansion)

• Loan against property / business mortgage

• Receivables finance / bill discounting (product availability depends on segment and policy)

D) Agriculture Banking

Agriculture remains a major lending segment for Indian banks. KVB’s FY25 annual report discussion shows the bank’s agriculture advances and priority sector achievement, useful for exam notes.

7) Loan Process in Karur Vysya Bank (Step-by-Step)

Students often score full marks by writing a clear loan flow. Here’s a step-by-step loan process that fits home loan/personal loan/vehicle loan/MSME loan patterns.

Step 1: Choose the loan product

Examples:

• Retail: Home, vehicle, education, personal, gold/secured loans

• MSME: Working capital, term loan, LAP/mortgage, equipment finance

• Agri: Crop loan, allied activities, tractor/equipment finance (as applicable)

Step 2: Check eligibility

Typical eligibility checks:

• Age, income, employment stability (retail)

• Business vintage, turnover, cash flow (MSME)

• Existing EMIs, repayment ability

• Credit bureau score/history

• Collateral requirements (for secured loans)

Step 3: Arrange documents (KYC + financial)

Common document set:

• Identity & address proof (Aadhaar/PAN/etc.)

• Income proof: salary slips/Form-16 (salaried) or ITR/financials (self-employed)

• Bank statements (last 6–12 months often used)

• For secured loans: property papers/valuation/legal documents

Step 4: Submit application (branch or digital channel)

KVB highlights digital banking capabilities and digital underwriting for certain loan journeys in its profile; however, exact availability depends on product and policy.

Step 5: Verification & appraisal

• KYC verification

• Bureau check

• Income/cash-flow analysis

• Field verification (where applicable)

• For home/LAP: legal & technical verification + valuation

Step 6: Sanction letter

The bank issues a sanction letter with:

• Sanctioned amount, interest rate, tenure, EMI

• Charges and terms

• Security/mortgage details (if any)

Step 7: Documentation & disbursement

• Sign agreements, create charge/mortgage/hypothecation

• Disbursement:

  • Home loan: often stage-wise (construction-linked)

  • Vehicle loan: to dealer/invoice-linked

  • Education loan: fee schedule-linked

Step 8: Repayment & servicing

• EMI via NACH/standing instruction

• Periodic statements, interest certificates

• Monitoring and review (especially for MSME limits)

One-line exam flow:
Apply → Documents → Verification → Appraisal → Sanction → Agreement → Disbursement → EMI repayment

8) Foreign Exchange (Forex) Business Products (KVB)

While KVB is not primarily known as an “overseas-first” bank, it still participates in common forex services available in Indian banks, especially for customers with travel, study, and trade needs.

A) Retail Forex services (Individuals)

• Currency exchange / forex-related services for permitted purposes

• Outward remittances for education, travel, medical, maintenance etc. (as per FEMA/RBI norms)

B) NRI / Remittance support

• Typical NRI account servicing and remittance facilitation (exact product names vary)

C) Trade Forex (Export-Import)

For business customers, forex services may include:

• Import payments/remittances

• Export bill collection/negotiation (as offered)

• Letters of Credit (LC) / Guarantees (BG) for eligible customers

• Forex risk solutions may be available through treasury-based offerings

9) Financial Report of 2025 (FY ended 31 March 2025): Key Highlights

For “Financial report of 2025,” the cleanest official source is KVB’s press release for the year ended 31.03.2025 (exchange intimation).

✅ Profitability (FY2025)

• Net Profit (FY25): ₹1,942 crore (highest ever; +20.99% YoY mentioned)

• Net Interest Income (FY25): ₹4,260 crore (+11.57% YoY)

• PPOP (FY25): ₹3,212 crore

• Cost-to-Income Ratio (FY25): 47.25%

✅ Business growth (as on 31.03.2025)

• Total business: ₹1,86,569 crore

• Total deposits: ₹1,02,078 crore (crossed ₹1 lakh crore)

• Total advances: ₹84,491 crore

• CASA ratio: 27.27%

✅ Asset Quality (NPAs) (as on 31.03.2025)

• GNPA: 0.76%

• NNPA: 0.20%

• PCR: 96.81%

✅ Capital adequacy (Basel III)

• CRAR: 18.17%

• CET1: 17.12%

✅ Network (as on 31.03.2025)

• 888 branches + 1 Digital Banking Unit

• 2,252 ATMs / Cash Recyclers

Exam-ready FY25 summary (2 lines):
“In FY25 (year ended 31.03.2025), KVB delivered a record net profit of ₹1,942 crore, with strong asset quality (GNPA 0.76%, NNPA 0.20%) and Basel III capital strength (CRAR 18.17%, CET1 17.12%).”

10) FAQs (SEO + Interview Friendly)

Q1. When was Karur Vysya Bank established?
KVB was established in 1916.

Q2. Who is the CEO of Karur Vysya Bank in 2025?
KVB’s MD & CEO is Shri B. Ramesh Babu.

Q3. Who is the Chairperson of Karur Vysya Bank?
KVB’s Non-Executive Independent (Part-time) Chairperson is Dr Meena Hemchandra.

Q4. Where is KVB head office located?
KVB’s Registered & Central Office is at No. 20, Erode Road, Vadivel Nagar, L.N.S., Karur – 639002.

Q5. How many branches does KVB have (as on 31 March 2025)?
KVB reported 888 branches (plus 1 Digital Banking Unit) as on 31.03.2025.

Q6. How many ATMs/Cash Recyclers does KVB have (as on 31 March 2025)?
KVB reported 2,252 ATMs/Cash Recyclers as on 31.03.2025.

Q7. What was KVB’s net profit for FY2025?
KVB reported ₹1,942 crore net profit for the year ended 31.03.2025.

Q8. What were GNPA and NNPA as on 31.03.2025?
GNPA 0.76% and NNPA 0.20%.

Q9. What was KVB’s CRAR as on 31.03.2025?
CRAR 18.17% (Basel III).

11) Short Notes (Exam Notes)

Short Note 1: KVB at a glance

Karur Vysya Bank (KVB) was established in 1916 at Karur and is headquartered at its Registered & Central Office in Karur, Tamil Nadu.

Short Note 2: Leadership (2025)

KVB is led by MD & CEO B. Ramesh Babu, and the Part-time Chairperson is Dr Meena Hemchandra.

Short Note 3: Network (March 2025)

As on 31.03.2025, KVB had 888 branches (plus 1 DBU) and 2,252 ATMs/Cash Recyclers.

Short Note 4: FY25 performance

KVB reported record net profit ₹1,942 crore for FY ended 31.03.2025, with low NPAs (GNPA 0.76%, NNPA 0.20%) and strong capital (CRAR 18.17%).

12) MCQs on Karur Vysya Bank (with Answers)

1) Karur Vysya Bank was established in:
A) 1905 B) 1916 C) 1947 D) 1969
✅ Answer: B

2) The head office (Registered & Central Office) of KVB is located at:
A) Chennai B) Coimbatore C) Karur D) Madurai
✅ Answer: C

3) Who is the MD & CEO of KVB (as per bank’s board page)?
A) Ajay Kumar Srivastava B) B. Ramesh Babu C) S. Sridhar D) Rajnish Kumar
✅ Answer: B

4) Who is the Part-time Chairperson of KVB?
A) Dr Meena Hemchandra B) Arundhati Bhattacharya C) Chanda Kochhar D) Naina Lal Kidwai
✅ Answer: A

5) Net profit reported by KVB for FY ended 31.03.2025 was:
A) ₹942 crore B) ₹1,942 crore C) ₹2,942 crore D) ₹1,605 crore
✅ Answer: B

6) KVB’s distribution network as of March 31, 2025 included branches of:
A) 488 B) 688 C) 888 D) 988
✅ Answer: C

7) KVB’s ATMs/Cash Recyclers as of March 31, 2025 were:
A) 1,252 B) 2,252 C) 3,252 D) 4,252
✅ Answer: B

8) GNPA ratio of KVB as on March 31, 2025 was:
A) 0.76% B) 1.76% C) 2.76% D) 3.76%
✅ Answer: A

9) NNPA ratio of KVB as on March 31, 2025 was:
A) 0.90% B) 0.60% C) 0.40% D) 0.20%
✅ Answer: D

10) Basel III CRAR of KVB as on March 31, 2025 was:
A) 11.50% B) 16.17% C) 18.17% D) 20.17%
✅ Answer: C

One-page Quick Revision

• Established: 1916

• HQ: No. 20, Erode Road, Vadivel Nagar, L.N.S., Karur – 639002

• MD & CEO: B. Ramesh Babu

• Chairperson: Dr Meena Hemchandra

• Branches (31.03.2025): 888 (+1 DBU)

• ATMs/Cash Recyclers (31.03.2025): 2,252

• FY25 Net Profit: ₹1,942 crore

• GNPA/NNPA (31.03.2025): 0.76% / 0.20%

• CRAR/CET1 (31.03.2025): 18.17% / 17.12%

Karur Vysya Bank(KVB) mobile banking

Karur Vysya Bank (KVB) Mobile Banking – Features, App, Registration & Uses

Karur Vysya Bank’s official mobile banking service is called KVB DLite, a secure and user-friendly mobile banking application that lets customers conduct most banking activities directly from their smartphones.

📲 What is KVB DLite Mobile Banking?

KVB DLite is the official mobile banking app of Karur Vysya Bank that allows customers to perform both financial and non-financial transactions on the go. It’s available for Android and iOS devices and integrates a range of digital banking services.

📍 Key Features of KVB Mobile Banking (DLite)

With the KVB DLite app, users can:

✅ Fund Transfers

• Transfer money via IMPS, NEFT, RTGS

• Instant UPI/BHIM payments and Bharat QR scan-to-pay support
  📌 Faster payments without needing to visit the branch.

✅ Account Management

• Check account balance & mini statements

• View loan & deposit account details

• Request cheque books
  📌 Full visibility of your accounts in one place.

✅ Card Controls

• Set spending limits

• Enable/disable debit card transactions

• Reset ATM PIN
  📌 Secure and flexible management of your debit card from the app.

✅ Bill Payments & Utility Services

• Mobile recharges

• DTH bill payments

• Electricity and other bill payments
  📌 Pay everyday bills within the app.

✅ Account Opening & Services

• Open a new KVB DLite Savings Account instantly
  📌 New customers can sign up via the app.

✅ FASTag Management

• Apply or recharge FASTag
  📌 Manage toll payments from the app wallet.

✅ Multi-User Setup & Personalization

• Add up to 10 users on one app

• Customize with profile photo & favourite features.

⏱️ Convenience & Security:
The app allows fingerprint unlock and PIN authentication, making it both secure and quick for everyday use.

📥 How to Download & Register

1. Download the app:

   • Android: from Google Play Store

   • iOS: from Apple App Store
     (search for KVB DLite).

2. Register as a first-time user:

   • Enter your nickname / customer ID / registered mobile number

   • Verify with OTP sent to your mobile

   • Authenticate using debit card + PIN or internet banking credentials

   • Set a 6-digit login PIN and 4-digit mPIN
     Once completed, you can start using the app’s features.

👥 Who Can Use KVB Mobile Banking?

• Any existing KVB customer with an active savings or current account

• Registered mobile number in KVB’s records

• Active debit card or internet banking credentials for initial authentication

📊 Additional Digital Options Related to Mobile Banking

KVB also offers other digital facilities that complement mobile banking, such as:

• WhatsApp Banking

• Missed Call Banking

• IVRS (Interactive Voice Response System)

• KVB e-Book (for non-financial transactions)

• UPI services through BHIM KVB Upay
  These make it easier to access banking services without physical branch visits.

📌 Why Use KVB Mobile Banking?

✔ Bank anytime, anywhere
✔ Avoid branch queues
✔ Fast fund transfers & bill payments
✔ Instant account insights
✔ Secure authentication (OTP / mPIN / biometrics)

Overall, KVB DLite brings most of Karur Vysya Bank’s branch-level services into your pocket with 24×7 access, making it a convenient tool for modern banking.