Information only
Karur Vysya Bank is a private sector bank in the Reserve Bank of India (RBI) list of banks. RBI lists its address as Karur, Tamil Nadu. According to the bank's website, as of 8 November 2026, its profile page says it traces its origins to 1916, when it was founded in Karur. On its retail side the bank lists housing, personal, mortgage, vehicle, gold, education and deposit-backed loans. On the business side it lists working capital, MSME project, machinery, export credit, rent finance and supply chain finance. It also lists a separate set of agriculture loans, from crop loans to dairy, fishery and poultry finance. This page is an information summary, not an offer, and it does not compare Karur Vysya Bank with other lenders.
Loans it offers
Loans Karur Vysya Bank lists
| Loan | What to know |
|---|---|
| Home loans | The bank names its housing product Happy Home Loans and has a separate home loan for non-resident Indians called KVB Gruhapravesh. It also lists the Pradhan Mantri Awas Yojana interest subsidy for eligible home loans. |
| Personal loans | The bank lists unsecured and secured personal loans, a jewel (gold) loan, and a corporate variant. The secured version can be taken as a term loan with EMIs or as an overdraft. |
| Loans against property | Listed as mortgage loans. The property you own is the security, and the bank values it and checks its legal title before lending. |
| Business and MSME loans | Working capital finance, MSME project loans, machinery loans, rent finance and bill discounting are listed. The bank describes working capital finance based on GST returns for smaller borrowers, and a checklist of papers for MSME loans. |
| Car loans | Listed as a four-wheeler loan for passenger vehicles. The vehicle is hypothecated to the bank until the loan is closed. |
| Two-wheeler loans | Listed as a separate two-wheeler loan under vehicle loans. |
| Gold loans | Jewel loans appear under personal loans, and a commercial gold loan appears under business loans. RBI sets loan-to-value limits for loans against gold. |
| Education loans | Listed as educational loans within the personal banking section. The bank sets collateral and moratorium terms. |
| Agriculture loans | Crop, dairy, fishery, poultry, horticulture, warehouse receipt, agri infrastructure and farmer producer organisation loans are listed, and so are joint liability group loans. |
How these loans work, on LOANZ 360: home loans, personal loans, loans against property, MSME loans, car loans, two-wheeler loans, gold loans, education loans, agriculture loans. The bank also lists credit guarantee schemes for exporters and for MSMEs, run by the Government of India. The bank's own website is the record of its current products, eligibility and terms.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Private sector bank, as listed by RBI |
| Registered office (RBI listing) | Karur, Tamil Nadu |
| Origins | 1916, founded in Karur, according to the bank's website as of 8 November 2026 |
| Government-linked schemes listed | ECLGS 5.0 (a Government of India emergency credit line scheme for MSMEs) and CGSE (a scheme for exporters), both named on the bank's pages |
As of 8 November 2026, the bank's website lists ECLGS 5.0 and CGSE, two Government of India credit schemes, among its MSME offers. Whether you qualify depends on the scheme's own rules and the bank's decision.
Before you apply
- Ask for the Key Fact Statement (KFS) and read the annual percentage rate (APR). It includes the lender's charges, so it compares better than the interest rate alone.
- Jewel loans have their own valuation and storage steps. Ask how the gold is weighed, tested and returned, and what happens if you miss payments.
- For a home loan, ask whether the subsidy under the Pradhan Mantri Awas Yojana applies to your income group and property before you rely on it.
Processing, foreclosure and penal charges are set by the lender, so ask for them in writing. This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. Checking your own score does not lower it.
Compare more than one lender before you decide, starting with interest rates and the full list of lenders. The label on this page, lending partner or information only, is drawn by the site from live data. If this lender is shown as information only, apply on the bank's own website.
Last updated 12 Nov 2026