Rates verified from official source

Karur Vysya Bank interest rates · November 2026

Top FD rate
7.20%
400 Days · 400-day Special
Senior citizen FD
7.70%
400 Days · 400-day Special
Top RD rate
6.55%
1 Year to up to 399 Days
Savings rate
6.75%
Balance above ₹250 crore
Top NRE FD rate
7.20%
400 Days
Top FCNR(B) rate
4.85%
AUD · 1 Year and above but less than 2 Years

KVB FD rates

1 year6.55%Senior 7.05%3 years6.55%Senior 7.05%5 years6.55%Senior 7.05%
All tenures, calculator and comparison →

What will my FD earn at KVB?

Estimated value after 1 year · before tax ₹5,33,563 6.55% p.a. · ₹33,563 interest · quarterly compounding
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Plan your recurring deposit at KVB

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Before opening an RD

Estimates assume on-time monthly installments and quarterly compounding. Confirm the term, minimum installment, late payment rules, and early closure terms with the bank.

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Overview

Karur Vysya Bank (KVB) is a private sector bank, headquartered in Karur, established in 1916. Its headline 1-year FD rate of 6.55% is 0.08% above the private sector average of 6.47%, ranking #583 of 1033 banks on RateScan.in.

Headquarters
Karur
Established
1916
Branches
~850 approx.
Monitored since
20 Sept 2026
Ownership
Private sector bank (publicly listed)
Operates in
Andhra Pradesh, Bihar, Chhattisgarh, Chandigarh + 18 more states

Figures marked “approx.” are rounded public estimates as of 2024.

Financial health
CRAR
16.52%
Capital adequacy
Net NPA
0.20%
Bad loans (net)
Credit rating ICRA
AA
Rating details ↓

Health indicators sourced from official 2025 disclosures. CRAR ≥ 16% = strong · Net NPA < 1% = healthy · Verify before investing.

Rates as of 15 Jan 2026, verified from official source. Scheduled private sector bank: deposits insured by DICGC up to ₹5,00,000.

RBI record

Every RBI press release since 1 Jan 2024 that names Karur Vysya Bank, newest first, each linked to RBI. Checked every week; last on 11 Nov 2026.

A monetary penalty is a fine for not following an RBI rule. On its own it does not stop the bank taking or repaying deposits; RBI does that through directions, which are listed here when they apply.

  1. RBI fined the bank ₹8.30 lakh

    RBI's reason: “for non-compliance with certain directions issued by RBI on ‘Loan System for Delivery of Bank Credit’”

    What RBI found

    “The bank failed to ensure that the outstanding ‘loan component’ was at least the specified percentage of the sanctioned fund based working capital limit for certain borrowers.”

    RBI says: “The action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transactions or agreement entered into by the bank with its customers.”

    RBI press release 2024-2025/2108

This record covers RBI press releases only. Other actions, such as those of a state's Registrar of Co-operative Societies, are not included.

Branches

1,021 branches in 141 districts

Most branches: Chennai 106, Coimbatore 68, Hyderabad 41

From RBI's IFSC directory (updated 1 Nov 2026). Counts can include recently merged or closed branches; check the bank's branch locator before visiting.

KVB Fixed Deposit rate changes

Changes to KVB's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 20 Sept 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.

No change to KVB's fixed deposit (FD) rates has been recorded since tracking started on 20 Sept 2026.

Credit rating

What independent credit rating agencies say about Karur Vysya Bank. Every rating links to the document it comes from, so you can check it yourself.

AA
Headline rating
Issuer rating · ICRA · Stable
High safety: very low credit risk
Latest rating action: 29 Jun 2026
AgencyInstrument RatingOutlook PublishedSource
ICRA Issuer rating AA Stable Reaffirmed
29 Jun 2026
 Exchange filing
How to read these ratings
  • Scale: AAA is the highest long-term grade (lowest credit risk), then AA (very low risk), A (low risk) and BBB (moderate risk, the lowest investment grade). A + or − moves a grade up or down a notch. Short-term ratings such as A1+ cover obligations of up to a year.
  • Outlook: Stable, Positive or Negative is the agency's view of where the rating is likely to go over the next one to two years. Rating watch means the agency is reviewing the rating after a specific event, such as a change of owner.
  • Instrument: a rating belongs to a specific instrument, not to the whole bank. Tier I (AT1) and Tier II bonds can be written down if the RBI declares a bank non-viable, so they are usually rated no higher than the bank's deposits.
  • Headline grade: we use the rating on fixed deposits where an agency gives one; otherwise the issuer or Tier II rating. We take each agency's latest rating and show the lowest, so the headline is never more generous than any agency's latest view.
  • A rating is an opinion about the ability to repay on time. It is not a guarantee or a recommendation. Whatever the rating, deposits in a bank are insured by DICGC up to ₹5 lakh per depositor per bank (principal and interest together).

Sources: we list a rating only when we can point to the document that states it: the agency's own rating rationale, the bank's Regulation 30 filing on the NSE or BSE, a rating letter, or the bank's own rating page. A weekly automated check re-opens each linked document to confirm it still shows the grade and scans stock-exchange announcements for new rating filings. Last checked: 9 Nov 2026.

Check it yourself: CRISIL · ICRA · CARE · India Ratings · Infomerics

Ratings change. Confirm the current rating with the agency before you invest. This is information, not investment advice.

Good to know

  • Deposits with Karur Vysya Bank are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
  • KVB is a private sector bank regulated by the RBI.
  • Senior citizens (60+) earn up to 0.50% p.a. more than general customers at KVB, depending on the tenure.
  • KVB's FD table includes 3 special schemes; check eligibility and end dates.
official Effective 15 Jan 2026 · Ingested 25 Oct 2026 · Verified 13 Nov 2026 · View source

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