Karur Vysya Bank expects its total business to cross ₹3 trillion over the next four years, as the mid-sized private lender sharpens its focus on value-led growth, balance sheet quality, and scalable operations.
The outlook was shared by B Ramesh Babu, managing director and chief executive officer of the bank, following his re-appointment for a third term till July 2028, which was approved by the board last month.
Focus on Value, Not Just Volume
Speaking about his priorities for the coming years, Babu said the bank will place sharper emphasis on where capital is sourced from and how effectively it is deployed.
“We will closely evaluate where the money is coming from and where it is generating real value,” he said, underlining a shift away from pure balance sheet expansion toward returns driven growth.
This approach reflects a broader industry trend, where banks are prioritising profitability, risk adjusted returns, and capital efficiency over aggressive loan book expansion.
Building an ‘Autopilot’ Operating Model
A key pillar of Karur Vysya Bank’s roadmap is operational scalability. According to Babu, the bank is working towards running core processes in an ‘autopilot mode’, supported by stronger systems, data-led decision-making, and consistent execution.
“The idea is to ensure the bank runs smoothly with minimal friction, while management focuses on scaling it to the next level,” he said.
This strategy is expected to involve deeper investments in technology, process automation, and standardised credit and risk frameworks, enabling growth without proportionate increases in operating costs.
Growth Strategy Anchored in Stability
While specific product-level details were not disclosed, Babu indicated that the bank’s growth strategy will be measured and sustainable, balancing retail, MSME, and corporate banking opportunities.
With a stable leadership mandate extending till 2028, the management aims to strengthen customer franchises, improve cross-sell, and deepen relationships, rather than chase short-term gains.
Long-Term Vision
Karur Vysya Bank’s ambition to cross ₹3 trillion in total business signals confidence in its transformation journey and execution capabilities. The focus on value creation, automation-led scalability, and disciplined growth positions the bank to navigate a competitive banking landscape while maintaining balance sheet resilience.
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