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‘Will raise corporate loan mix to 20% over two-three years’

Financial Express Delhi

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May 09, 2026

Karur Vysya Bank reported its highest-ever net profit of 2,510 crore in FY26, driven by a sharper focus on the retail, agri and MSME (RAM) segment, improved CASA mobilisation and lower reliance on bulk deposits.

- @ B RAMESH BABU, MANAGING DIRECTOR & CEO, KARUR VYSYA BANK

Managing Director and CEO B Ramesh Babu tells Narayanan V about the retail and corporate lending strategy, margin pressure and the growth outlook for FY27.

Excerpts:

What factors contributed to the record profit in FY26?

We started moving progressively towards the RAM sector from corporate. This shift has supported the yield on advances. We also changed a few of our floating-rate loans into fixed-rate ones. Our low-cost CASA deposits grew 12% YoY (₹31,122 crore) in FY26. We reduced our bulk as well as certificates of deposits. All this helped us to have the best interest income.

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