Karur Vysya Bank Limited, a prominent player in the Indian banking sector, has announced impressive growth figures for its recent financial period. The bank has demonstrated strong performance across key metrics, showcasing its resilience and strategic positioning in the market.

Total Business Surges to ₹2,03,211 Crore

Karur Vysya Bank reported a significant year-over-year growth of 15.37% in its total business, which reached ₹2,03,211 crore. This substantial increase reflects the bank's expanding market presence and its ability to capitalize on growth opportunities in the banking sector.

Deposits and Advances Show Parallel Growth

The bank's growth story is further reinforced by the robust performance in both its deposit and advance segments:

Strong Deposit Base

Karur Vysya Bank's total deposits witnessed a healthy increase of 15.29% year-over-year, amounting to ₹1,10,492 crore. This growth in deposits indicates strong customer trust and the bank's effective strategies in attracting and retaining depositors.

Robust Credit Growth

Complementing the growth in deposits, the bank's advances also showed impressive momentum, rising by 15.47% year-over-year to reach ₹92,719 crore. This balanced growth in the loan book suggests a prudent approach to credit expansion while maintaining asset quality.

The parallel growth in both deposits and advances underscores Karur Vysya Bank's balanced approach to banking operations, ensuring a healthy asset-liability mix.

Conclusion

Karur Vysya Bank's latest financial figures paint a picture of a financial institution on a strong growth trajectory. The balanced growth across deposits and advances, coupled with the significant increase in total business, positions the bank favorably in the competitive banking landscape. As the bank continues to expand its operations and enhance its market presence, stakeholders will likely keep a close eye on its future performance and strategic initiatives.

Karur Vysya Bank , a prominent player in the Indian banking sector, has announced another significant reduction in its key lending rates, effective January 07, 2026. The bank has decided to lower both its Base Rate and Benchmark Prime Lending Rate (BPLR) by 45 basis points, marking the second major rate revision within months.

Latest Rate Changes

The Base Rate, which serves as the minimum interest rate for most loans, will decrease from 11.15% to 10.70%. Simultaneously, the Benchmark Prime Lending Rate (BPLR) will be reduced from 16.15% to 15.70%. This represents a 45 basis point reduction in both key lending rates.

Cumulative Rate Reduction Impact

This latest revision follows the bank's previous rate cut in September, when it reduced both rates by 70 basis points. The cumulative impact shows substantial relief for borrowers:

Regulatory Compliance and Communication

Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, Karur Vysya Bank has formally communicated this rate revision to both NSE and BSE. The notification, signed by Ramshankar R, General Manager & Chief Financial Officer, was issued on January 05, 2026, ensuring timely disclosure ahead of the implementation date.

Impact on Borrowers

This rate revision is expected to have a positive impact on both existing and potential borrowers of Karur Vysya Bank. Customers with loans linked to the Base Rate or BPLR may see a reduction in their interest obligations, potentially leading to lower EMIs or shorter loan tenures, depending on the terms of their agreements. The cumulative 115 basis point reduction since September represents significant cost savings for borrowers.

Strategic Positioning

These consecutive rate cuts demonstrate Karur Vysya Bank's proactive approach to monetary policy transmission and its commitment to supporting credit growth. The bank's ability to reduce rates while maintaining operational efficiency reflects its strong financial position and strategic focus on expanding its lending portfolio in a competitive market environment.

As the new rates take effect from January 07, 2026, borrowers are advised to review their loan agreements and consult with the bank to understand how these changes might affect their specific financial arrangements.