Karnataka Bank
Advances reported on a gross basis
- Assets
- ₹1,30,475 Cr
- Deposits
- ₹1,10,396 Cr
- Advances
- ₹86,610 Cr
- Business
- ₹1,97,006 Cr
- Net Profit
- ₹418.95 Cr
Digital & payments
Digital transaction share — peer comparison
Digital & payments detail
- Digital initiatives
- Digital current accounts; CKYC onboarding; digital FD; digital finance for tobacco farmers
- UPI / payments
- Interest-free & interest-bearing credit lines on UPI; NFC QR Tap & Pay
- Government payments
- GST via UPI; Customs via Internet Banking; RBI Digital Rupee pilot; e-BG on KPPP
Digitization pillar
Strategic partnerships / ADC channels
One-stop statutory payments strategy
Digital initiatives
- Payments
Pine Labs PoS; NFC QR Tap & Pay; programmable CBDC
ADC channel expansion
- Digital banking
Digital current accounts, CKYC onboarding, digital FD; digital loan underwriting
Digitization pillar
- AI / data
Common Data Platform, Sales Buddy, AI voice bots, Mule Hunter, DevSecOps
AI/data acceleration
- Government payments
GST, customs, direct tax, EPFO, e-BG, RBI CBDC, UPI collections
One-stop statutory payment strategy
- Retail Banking - Loans
Pre-approved Personal Loans for Salaried launched.
- Retail Banking - Loans
PM Vidyalakshmi & PM Skill Loan Scheme - Govt Education loan scheme launched.
- Retail Banking - Loans
Surrogate based lending for Housing & Mortgage loans in pipeline.
- Retail Banking - Liabilities
KBL Soulabhya Plus Deposit Scheme launched, which allows customers to withdraw a portion of their deposit while allowing the remaining balance to continue earning interest at the originally contracted rate.
- Retail Banking - Liabilities
Launch of Virtual account facility in pipeline.
- Retail Banking - Liabilities
Launch of Capital Gain account Scheme in pipeline.
- Digital Payments (ADC Channels)
Tie up with M/s. PINE LABS for POS Services (Launched in April-26).
- Digital Payments (ADC Channels)
Programmable CBDC Enables the funds to be used only for Predefined purposes within a specified time or through designated beneficiary.
- Digital Payments (ADC Channels)
NFC Based QR Payments- Tap and Pay Facility provided to QR Payments.
- Digital Payments (ADC Channels)
Revamp of retail IB with new UI/UX.
- Digital Infrastructure
Centralized Data Platform for streamlined Regulatory and Business Reporting.
- Digital Infrastructure
Fintech Scale-up with new partnerships on UPI and ULI.
- Digital Infrastructure
Embedded AI into CRM for assisting Sales teams.
- Digital Infrastructure
Leveraging Cloud for AI and Analytics capabilities.
- Digital Infrastructure
Low Code No Code platforms for accelerated Agile delivery.
- Digital Lending Platforms
Integration with Maruti Suzuki Smart Finance Platform for Car Loans.
- Digital Lending Platforms
Scale up of Dairy Neo Banking Loans on Unified Lending Interface (ULI).
- Digital Lending Platforms
Direct Assignment deals With Home Finance Companies supported by Digital Platforms.
- Digital Systems & Sales
Enhanced CASA Forecasting.
- Digital Systems & Sales
Bureau based Propensity Triggers for X-sell opportunities.
- Digital Systems & Sales
Third-Party Products sales Dashboard.
- Digital Systems & Sales
5+ Digital systems Live.
- Core Business Excellence
Delivering Excellence in Core Businesses with Underlying Technology Platform through tech-driven Processes, Products & People targeting Rural, MSME and Retail sector.
- Digital Transformation
Digitalisation and Partnership to Accelerate Book Growth, becoming a Digital First private sector Bank.
- Retail Focus
Focus on Retail – Home, Gold Loans to enhance RoA and RoE.
46% -> 51% Increase in % of Retail Advances from FY20 to FY26
- Geographical Expansion & Digital Acquisition
Wider Geographical Presence, Digital and Data-driven client acquisition, and Cross Selling to leverage Pan-India presence.
4% Market share in Karnataka (By share of Deposits as on Dec 2025), 22 States Pan-India presence
- Retail Banking Products
Offerings include Housing, Loans against property, Gold, Vehicle, Education, Personal loans.
- Retail Banking Services
Services include Simple & smarter digital loans, Centralized processing, Immediate in-principle sanction, Dedicated RLPSCs / branch network.
- Retail Reach & Partnerships
Partnerships focused to expand Home, Car, Gold, Retail and Agri loan book.
- Retail Reach & Partnerships
The bank has established 15 Retail Loan Processing and Sanctioning Centers (RLPSCs).
15 Retail Loan Processing and Sanctioning Centers (RLPSCs)
- Digital Innovation - Technology Hub
State-of-the-art 'Technology, Digital & Product Hub' at Bengaluru, spanning 40,000 sq. ft. with 300+ skilled employees, integrating products and business solutioning covering technology, digital and analytics.
40,000 sq. ft. super built-up area, 300+ skilled employees
- Retail Lending / Partnerships
Forming sector-focused tie-ups to expand retail reach.
Partnerships focused to expand Home, Car, Gold, Retail and Agri loan book
- Retail Lending / Operations Efficiency
Scaling up Retail Loan Processing Hubs.
The bank has established 15 Retail Loan Processing and Sanctioning Centers (RLPSCs)
- Digital Transformation / Technology Infrastructure
Establishing a state-of-the-art 'Technology, Digital & Product Hub' at Bengaluru.
40,000 sq. ft. super built-up area; 300+ skilled employees; Products and Business Solutioning have been integrated covering technology, digital and analytics
- Digital Innovation / Open Banking
Launching a developer portal with over 800+ APIs and upgraded infrastructure.
over 800+ APIs with upgraded infrastructure
- Digital Banking / FinTech Partnerships
Partnering with FinTechs to drive digital banking in its scale-up phase and increase product penetration per customer through analytics-enabled cross-selling.
Increase Product Penetration per customer through analytics-enabled cross selling
- Digital Transformation
Release of the new UI/UX for the KBL Mobile Plus banking app and expansion of the bank's digital footprint.
0.75 lakh+ additional mobile application downloads during Q3 FY2026
- Supply Chain Finance
The bank has successfully gone live with its Supply Chain Finance platform.
- Digital Banking
Expanding the bank's digital footprint and touchpoints across mobile apps, net banking, and debit card issuance to drive engagement.
40,10,294 Mobile App Installations
- Digital Transformation
Moving towards a digital-first bank by creating a disruptive 'Bank within a Bank' and upgrading API 2.0 infrastructure for enhanced performance.
API 2.0 infrastructure has been upgraded
- Digital Strategy
Establishment of a Technology, Digital & Product Hub in Bengaluru integrating technology, digital, and analytics.
40,000 sq. ft. super built-up area
- Digital Banking / Distribution
Bank has been onboarded on ONDC rails to offer Personal Loan product and CBDC for transactions.
- Digital Banking / Product & Digitization
Increasing digital footprint through additional mobile application downloads.
0.45 lakh+ additional mobile application downloads during Q2 FY2O26
- Digital Banking / Product & Digitization
Expanding debit card network.
22,000+ new debit cards added to KBL's network during Q2 FY2O26
- Digital Transformation
Creating a 'Bank within a Bank' by integrating products into a Technology and Digital Hub and implementing an API 2.0 framework for open banking and in-house digitization.
- Retail and Agri Strategy
Scaling up specialized hubs for retail loan processing and deploying dedicated Agriculture Field Officers to source quality agri proposals.
established 15 Retail Loan Process and Sanctioning Centers (RLPSCs)
- Digital Infrastructure
Establishing a Technology, Digital & Product Hub in Bengaluru to integrate technology, digital solutions, and analytics.
300+ skilled employees
- Digital Transformation
Promoting an open banking ecosystem through a developer portal and improving mobile banking accessibility.
Developer portal featuring over 570+ APIs
- Digital Banking
Launched liability DIY platform for Savings Account opening and reactivation of dormant accounts.
- Digital Lending
Onboarding on ONDC rails to offer Personal Loan products, becoming the first bank to do so.
- Retail Strategy
Addition of mortgage products to the Retail Asset Centre (RAC) model to enhance retail lending focus.
- Digital Growth
Expansion of digital footprint through mobile app adoption and debit card distribution.
0.86 lakh+ additional mobile application downloads and 75,000+ new debit cards added during Q1 FY2026
- Digital Banking
Expansion of Alternative Delivery Channels (ADC) through corporate mobile applications and multilingual QR sound boxes.
KBL One – Corporate Mobile App; QR Sound Box of multi language
- Digital Banking
Creating a disruptive 'Bank within a Bank' by implementing API 2.0 to facilitate seamless Open Banking partnerships and in-house digitization.
API 2.0 integrating seamless APIs for Open Banking
- Digital Infrastructure
Establishing a 40,000 sq. ft. 'Technology, Digital & Product Hub' in Bengaluru with over 300 skilled employees to integrate technology, digital, and analytics.
40,000 sq. ft. super built-up area