Initiatives

Strong hinterland branch presence; CASA-led deposit growth; digital channels used to deepen engagement

Deposit growth 15% YoY; CASA 33,776 Cr

DLite enhanced UI, instant VKYC, pay-to-contacts, single pay button, soft-token internet banking

7M+ downloads; 1.3M+ MAU

IMPS/NEFT/RTGS/MMID in KVB Corp; UPI transaction scale; NACH/CTS digitization

4,575 lakh UPI transactions in Q1

Payment aggregators, channel partners and government business payments

Strategic digital partnerships

Flexi Deposit for HNI customers; virtual account and capital-gain account in pipeline

System auto-creates deposit above threshold

SHG partnerships; eNWR ecosystem to strengthen post-harvest finance

Explicit PSL-target linkage

Pine Labs PoS; NFC QR Tap & Pay; programmable CBDC

ADC channel expansion

Digital current accounts, CKYC onboarding, digital FD; digital loan underwriting

Digitization pillar

Common Data Platform, Sales Buddy, AI voice bots, Mule Hunter, DevSecOps

AI/data acceleration

GST, customs, direct tax, EPFO, e-BG, RBI CBDC, UPI collections

One-stop statutory payment strategy

Deposit partners and granular funding; savings and NRE growth

85% CASA + deposits < ₹3 Cr

EPFO on FedNet; Bharatkosh via Net Banking, UPI and cards

Government payment capability expansion

Programmable e-Rupee capabilities live

Rule-based payment use cases

FedWealth on FedMobile, FedNet and RM Portal

In-house investment channel

Unified account opening across all branches using Aadhaar eKYC

Digital acquisition

Feddy digital assistant; 12 lakh+ queries in quarter

12% QoQ increase in queries

Deposit partners, merchant payments, cross-border remittance partners, priority lending partners

Partnership-led innovation

Fintech partnerships to open deposit accounts for new-to-bank customers

Non-branch distribution

In-house digital deposits, digital personal loans and secured credit line on UPI

Pure-play in-house solutions

NRI mobile-number switching through Mirror+; NRI deposit focus

NRI deposits ₹36,432 Cr

Branch process reengineering: automate, eliminate, centralize and optimize processes

07 automated; 15 eliminated; 11 centralized; 07 optimized

Zeni framework with RAG, GenAI assistant, AI cheque verification, voice bots and compliance chatbot

AI capabilities in production

All-in-one mobile banking app with 50+ services

UPI, beneficiary management, split payments

API banking, digital lending, digital channels, merchant/collections, connected banking, AI/ML

Technology adoption pillars

Granular collateralized SME/MSME lending; ~37% of loan book

MSME growth focus

FCNR(B) deposits ₹825 Cr; 80.39% of deposits one-year+ tenure

FCNR +11.03% QoQ

UPI credit card, UPI Lite, UPI TapnPay, UPI Help 2.0

Payment modernization

Customer onboarding & VKYC enhancement; revamped website; multilingual ATMs

9-language ATMs

CBDC, co-lending, B2B invoicing/payments, LOS/LMS, AI/ML analytics, cloud

Future-ready bank roadmap

Focus on strong balance sheet growth.

Advances up by 17% YoY & Deposits 13 % YoY

Sustained momentum in CASA growth and mix, and Term Deposit improvement, with a focus on granular deposits.

CASA balances up by 12% YoY, Term Deposit improves by 14 % YoY, 78% of Total Term Deposits* are < Rs.5 Cr

Consistent and credible progress driven by Retail, Agriculture, and MSME (RAM) advances.

RAM Verticals 85,260 (₹ Crore)

MSME advances growth through focused execution across identified high potential branches.

Tweaking of existing products, launch of new products and cash flow-based lending model.

RM channel has been introduced for small ticket loans in the MSME hotspots.

CRM module has been introduced for sharing the leads, monitoring and timely conversion into business.

KVB DLite Mobile banking App offers enhanced UI, pay to contacts, dynamic offers, easy navigation, search button, instant video KYC, seamless login, single pay button, and set favourites.

7 M + Total Downloads; 2.5 M + Monthly Avg Transactions; 1 M + Monthly Active Users; 4.17 L Accounts Opened

Launch of "KVB Corp", a dedicated mobile banking application developed exclusively for Corporate customers, offering account activities, loan services, payments, deposits, tax payments, profile management, e-services, and alerts.

A unified platform enabling seamless customer engagement across multiple Digital channels.

Real time Video-based KYC verification integrated in DLite app for quick onboarding.

A secure mobile application generating authentication codes for safe Internet Banking access.

Online processing of NACH mandates, inquiries and CTS cheque image retrieval for improved efficiency.

An internal utility to manage and update promotional banners within DLite mobile app.

AI-powered solution to enhance SMS content effectiveness through personalized messaging helps in cost reduction.

Driving digital banking experience through strategic partnerships with various service providers, business support partners, channel partners, payment aggregators, government entities, payment systems, and security solutions.

Generating solar energy from rooftop installations at various Divisional Offices and Branches.

1,02,470 kwh of Solar energy generated... during FY 2025-26

Generating wind energy from Bank-owned windmill at Theni.

8,81,599 kwh of wind energy generated... during FY 2025-26

Becoming a Founding Member of the Indian Green Building Council (IGBC).

Conducting Financial Literacy Campaigns benefiting individuals.

95 Financial Literacy Campaigns benefiting 1140 individuals

Focusing initiatives on inclusive growth, Community development and Sustainable livelihoods.

Driving sustainable communities through clean energy, water security and inclusive civic support.

Cultivating a People-Centric Culture through employee training on Diversity & Inclusion, Ethics, Employee Well-being & Leadership skills.

Achieving 'Platinum Certification' from the IGBC Green Existing Building Certification for Karur Vysya Bank's Central Office.

Platinum Certification

Continuously enhancing non-financial performance, reflected by an upgraded CRISIL ESG Momentum rating.

CRISIL rating improved to 68 ("Strong") for FY24-25

Implementing a Green Office Initiative focused on planting for a greener tomorrow.

Operating an IT Strategy and Digital Transaction Monitoring Committee to ensure disciplined governance and strategic oversight of technology and digital transactions.

Operating a CSR and ESG Committee to ensure disciplined governance and strategic oversight of corporate social responsibility and ESG initiatives.

Operating an NPA Management Committee to ensure disciplined governance and strategic oversight of non-performing asset management.

Operating a Customer Service and Stakeholders Relationship Committee to ensure disciplined governance and strategic oversight of customer service and stakeholder engagement.

MSME advances growth through focused execution across identified high potential branches

Product-led initiatives, including new launches and Revamping existing Products

Focused training initiatives on Bank's products and account identification

Technology enabled monitoring tools to maintain portfolio quality

Product-led initiatives, including new launches and Revamping existing Products

Technology enabled monitoring tools to maintain portfolio quality

Disciplined approach to Reduce stressed assets

Building a Strong Digital ecosystem

KVB DLite Mobile banking App

7 M + Total Downloads, 2.3 M + Monthly Avg Transactions, 1.3 M + Monthly Active Users, 4.13 L Accounts Opened

Launch of “KVB Corp”, a dedicated mobile banking application developed exclusively for the Corporate customers

A unified platform enabling seamless customer engagement across multiple Digital channels

Real time Video-based KYC verification integrated in DLite app for quick onboarding

A secure mobile application generating authentication codes for safe Internet Banking access

Online processing of NACH mandates, inquiries and CTS cheque image retrieval for improved efficiency

An internal utility to manage and update promotional banners within DLite mobile app

AI-powered solution to enhance SMS content effectiveness through personalized messaging helps in cost reduction

Awarded Best bank for Promoting Government Schemes at MSME Banking Excellence Awards-2025

Winner

Awarded Best Bank for Creating Awareness at MSME Banking Excellence Awards-2025

Runner Up

Strategic partnerships for Assets, Liabilities, Channel Partners, Payment aggregators, Govt Business, Payments, and Security

Focus on Environmental Social Governance

Restoration of Pudukadu & Kil Chithirai Chavadi Anicuts to enhance water flow, increase groundwater recharge, and support long-term ecological sustainability

Handover of 5 EV Garbage collection vehicles for greener waste management, reducing urban carbon footprint, and fostering a healthy community

Handover of 5 EV Garbage collection vehicles

Adoption of solar energy at various divisional offices

30,497 kwh of solar energy generated from rooftop installations at Hyderabad Divisional Office, Namakkal Main Branch and Trichy Divisional Office during Q3 FY 25-26.

Utilizing wind energy from bank-owned windmill

87,680 kwh of wind energy generated from bank-owned windmill at Theni during Q3 FY 25-26.

Supporting Dignified elders care through infrastructure focused on Healthcare & Nutrition and Safe Living Infrastructure

Holistic Rural development initiative focused on sustainable living through Sustainable Agriculture, Water and Sanitation, and Community empowerment

Employment linked training program for underprivileged youth and women, focusing on Skill and employability, Livelihood support, and Sustainable career pathways

Conducting financial literacy campaigns

92 Financial Literacy Campaigns, 997 Individuals Benefited

Maintaining optimum combination of Directors with diverse skills and experience in tune with Board Diversity policy

Ten Directors, 70% independent directors and includes 3 women directors

Established 11 Board Level Committees to oversee various functions including Nomination and Remuneration, Audit, Risk Management, NPA Management, Customer Service, Fraud Cases, Defaulters, CSR and ESG, IT Strategy and Digital Transaction Monitoring, Management, and Human Resources.

11 Board Level Committees

The bank is adopting a disciplined approach to reduce stressed assets.

Building a Strong digital ecosystem.

Development and promotion of KVB DLite Mobile banking App with enhanced features like instant video KYC, easy navigation, and seamless login.

6.7 M + Total Downloads, 2.3 M + Monthly Transactions, 1.3 M + Monthly Active Users, 4.1 L Accounts Opened

Omni Channel Marketing tool for customer communication: A unified platform enabling seamless customer engagement across multiple digital channels.

Instant VKYC in DLite: Real-time video-based KYC verification integrated within the DLite app for quick onboarding.

Soft token app for internet banking: A secure mobile application generating dynamic authentication codes for safe internet banking access.

Digitalization of NACH cancellation, inquiry and CTS Cheque image: Online processing of NACH mandate cancellations, inquiries, and CTS cheque image retrieval for improved efficiency through internal ticketing tool.

Tool for Banner update in DLite: An internal utility to manage and update promotional banners within the DLite mobile banking application.

SMS optimization using GenAI: AI-powered solution to enhance SMS content effectiveness through personalized and context-aware messaging thereby for cost reduction.

KVB Bhoomi Project: KVB Deploys Battery-Operated Vehicle at Palani Murugan Temple.

Taking Science Beyond Textbooks: Creating Mini science centers at Govt Schools.

Transforming Lives through Skills and Sustainability: Supporting women entrepreneurs with pushcarts.

Working Together for Cleaner, Safer Communities: promoting safer sanitation through advanced robotic solutions.

Nutrition to Nurture Learning: partnered with Akshaya Patra Foundation to provide hot nutritious meals in Govt Schools.

Empowering Communities with Cyber Awareness: Self-defense campaign to promote digital safety and protect from online frauds.

Conducted Financial Literacy Campaigns.

138 Financial Literacy Campaigns benefiting 1,932 individuals

Implementing a disciplined approach to reduce stressed assets.

Building a strong digital ecosystem.

Enhancing the KVB DLite Mobile Banking App with features like enhanced UI, easy navigation, seamless login, pay to contacts, search within app, single pay button, dynamic offers, manage cards, and set favorites.

5 M+ Total Downloads, 2.2 M+ Monthly Transactions, 1.3 M+ Monthly Active users

Focusing on increasing UPI transactions.

3733 lakhs UPI Transactions (Quarterly) in Jun-25

Driving growth in digital transactions and increasing the share of digitally served transactions.

25% Growth in Digital Transactions YOY, 92% Of the transactions served Digitally

Promoting environmental sustainability through restoring biodiversity in urban spaces by planting native saplings.

plant 10,000 native saplings

Generating renewable energy through rooftop solar installations and bank-owned windmills.

16,591 kwh of renewable energy generated from Roof top Solar; 6,04,560 kwh of renewable energy generated from our Bank owned Windmill

Improving healthcare access by inaugurating the KVB VGM Foundation Blood Bank.

1,800 sq. ft. facility equipped with advanced technology for blood collection, separation, and storage

Promoting education and skill development through employment-linked training programs for underprivileged youth and women.

placement-linked training to over 400 underprivileged youth and women

Supporting healthcare infrastructure by providing high-tech medical equipment to Government Medical College Hospital, Karur.

high-tech medical equipment which will help the GMCH Blood Bank

Conducting financial literacy campaigns to benefit individuals.

92 financial literacy campaigns benefiting 1,705 individuals

Maintaining an effective corporate governance structure to ensure a clear distinction of roles and responsibilities, with independent directors complying with the bank's Diversity policy and RBI regulations.

10 Directors (7- Non-Executive Independent, 1-Non-Executive Non independent, 2-Executive Directors); 2 Women Directors; 70% Independent Directors in the board

Actively collaborating with external entities and subject matter experts in developing the ESG risk strategy.

actively collaborating with external entities and subject matter experts

Ensuring transparent disclosures.

published its 3rd Integrated Annual report

Maintain a specialized business model focusing on the large untapped SME/MSME segment.

Ensure the SME/MSME segment consistently delivers higher yields.

Provide superior client servicing to enhance client retention and reduce business acquisition costs.

Maintain a granular asset profile for SME exposures.

Develop a granular deposit base with high retention rates to ensure a stable liability profile.

Structure SME / MSME Loans to result in lower NPA by ensuring they are additionally collateralized by residential property and personal guarantees, and by focusing on predominantly single banker relationships with minimal exposure to consortium / multiple banking arrangements / infrastructure lending.

Invest in comprehensive employee training and recruitment infrastructure through a staff training college.

Digitalize the Loan Origination System (LOS).

Maintain a purely retail liability franchise with no reliance on corporate bulk deposits.

Maintain a Pan India presence with 949 branches, with a strong focus on South India (770 branches, including 578 in Tamil Nadu alone).

949 branches

Maintain a strong Capital Adequacy ratio.

Strong Capital Adequacy ratio of 21.92% out of which Tier 1 constitutes 20.82%

Ensure continuous profitability and dividend payout.

Continuous profitability and dividend payout in all 121 years of operations

Achieve business growth of over 10% CAGR over the last 10 years.

Business growth of over 10% CAGR in last 10 years

Ensure a strong board with a majority of independent directors.

Maintain consistency in management with a low turnover of CEOs (only 7 CEOs appointed in 121 years).

Maintain a granular asset profile with a diversified base of borrowers.

advances to top 20 group borrowers contributing 6.32%

Focus on lower ticket size lending backed by adequate collaterals.

Launched a comprehensive suite of new digital products including UPI Reserve Pay, CUB SalarySe, and Banking as a Payment Aggregator (BAPA) services.

15+ new product and technology initiatives across five categories

Established an extensive API Banking infrastructure to integrate services like account opening, payments, and digital insurance with a broad fintech partner ecosystem.

Partnered with NSDL, Karza, Pine Labs, and Experian

Achieved significant industry recognition for technology adoption, specifically in AI & ML, digital financial inclusion, and risk management.

winning IBA Technology Awards across 6 categories

Strategic focus on MSME and trading loans within a diversified credit portfolio to maintain lower ticket sizes backed by adequate collaterals.

Trading & MSME loans constitute about 37%

Maintained strong growth momentum in the gold loan portfolio, which represents a significant portion of the total gross advances.

Y-o-Y growth in Gold Loan – 36%

Development of a comprehensive API Banking ecosystem to facilitate digital offerings in lending, account opening, payments, and insurance through multiple fintech partnerships.

API BANKING centered ecosystem showing partners like NSDL, Karix, and Perfios

Strategic adoption of advanced technologies including Artificial Intelligence (AI) and Machine Learning (ML) to enhance digital sales and risk management operations.

winning IBA Technology Awards across 6 categories including Best AI & ML Adoption

Focused on leveraging a strong regional presence in South India, specifically Tamil Nadu, while maintaining a pan-India distribution network.

578 branches out of 949 total branches are in Tamil Nadu

Managing a well-diversified shareholder base while increasing limits to encourage higher participation from Foreign Portfolio Investors (FPIs).

Limit on FII / FPI ownership increased to 40% with Head room available for FII / FPI … 16.51%

Implementing transparent governance practices including strict compliance with KYC/AML norms and establishing a code of conduct for directors and senior management.

Board consists of 6 Independent Directors (including 1 Woman Director) and 2 Executive Directors

Maintaining a specialized banking model focused on the large untapped SME/MSME segment, providing granular asset profiles and delivering higher yields.

Trading and MSME loan segments constitute about 40% of advances

Maintaining a granular and diversified asset profile with a focus on lower ticket size lending backed by adequate collaterals and minimal consortium exposure.

Advances to top 20 group borrowers contributing 7.07 %

Modernizing credit assessment through a digitalized Loan Origination System (LOS) and the introduction of a digital lending process.

LOS is digitalized

Focusing on a purely retail liability franchise to ensure a stable liability profile with no reliance on corporate bulk deposits.

No reliance on Corporate bulk deposits

Implementation of a digital roadmap focused on customer-centric innovation, product expansion, and technology-led automation to improve banking convenience.

Launch of specialized UPI features including UPI Circle/Help for guided transactions, Multi Signatory UPI for corporate/joint payments, and UPI ATM for cardless cash withdrawals.

Introduction of new credit and savings offerings such as CUB SalarySe for salaried professionals and CUB Depend, a deposit-backed credit limit product.

Strategic focus on Trading and MSME loan segments to drive business growth.

Trading & MSME loans constitute about 40%

Mitigating credit risk through a diversified portfolio strategy and emphasizing lower ticket size loans backed by adequate collateral.

Focus on a digital roadmap for customer-centric innovation and technology-led automation, including Banking as a Payment Aggregator (BAPA) for merchant solutions.

Pay-IN and Pay Out Merchant Solutions

Introduction of advanced UPI features such as UPI Circle for guided transactions, Multi Signatory UPI for corporate payments, and cardless UPI ATM withdrawals.

Launch of CUB Kavachh, a secured credit card designed to enable safe credit usage by leveraging customer Fixed Deposits as collateral.

Zero Joining Fee

Introduction of the CUB SalarySe Credit Card, purpose-built to align credit benefits with predictable monthly income patterns of salaried professionals.

India’s First Card Designed for salaried Professional

Deployment of AI Conversational BOTs for 24x7 support and a Digital Lending Platform for end-to-end loan lifecycle automation.

Best Use of AI in a Consumer / Customer Service Application

Utilizing Data Analytics to drive customer behavior insights for targeted engagement and predictive modeling.

Gold - Best Use of Predictive & Prescriptive Analytics

Maintaining a specialized business model focused on SME/MSME segments to achieve higher yields and lower acquisition costs through superior client servicing.

Trading and MSME loan segments constitute about 42% of advances

Full digitalization of the Loan Origination System (LOS) and the introduction of specialized digital lending processes.

LOS is digitalized

Adopting a granular asset profile strategy focused on collateralized lending (residential property and personal guarantees) while avoiding consortium or infrastructure lending.

advances to top 20 group borrowers contributing 7.08 %

Focusing on a granular, purely retail liability franchise with no reliance on Certificates of Deposit or corporate bulk deposits.

No Certificate of Deposit

Investment in robust recruitment and training infrastructure supported by a dedicated staff training college.

Launch of several new digital initiatives including CUB DESIRE, UPI Circle/HELP, and the National Common Mobility Card (NCMC).

Adoption of automation technologies including Voice Biometric Authentication, AI/Conversational BOTs, and Data Analytics.

Strategic focus on Trading and MSME segments, which form a major portion of the loan book, supported by lower ticket sizes and adequate collaterals.

Trading & MSME loans constitute about 42%

Expansion of the API Banking ecosystem through partnerships for digital lending, insurance, and customer onboarding.

Consistent growth in the gold loan portfolio, which represents 28% of gross advances as of Q2 FY26.

Y-o-Y growth in Gold Loan – 32%

Launch of CUB Depend, a fully digital and secured Credit Line on UPI backed by Fixed Deposits.

Introduction of an AI-enabled MSME Corporate Card designed to automate expense and reimbursement management for businesses.

India’s first AI-enabled Credit Card

Enhanced UPI features including UPI Circle for IoT device transactions, UPI Multi Signatory for joint account authorizations, and UPI Reserve Pay for credit limit management.

Implementation of Biometric (Fingerprint) and Aadhaar-based Face Authentication for secure UPI transaction processing.

CUB Desire, a systematic savings plan launched for both existing and new-to-bank customers to facilitate goal-based savings.

Expanding API Banking through strategic partnerships for digital lending, customer onboarding, and automated payments.

Extended Loan Against Securities and Mutual Funds features specifically to attract and serve New-To-Bank customers.

Maintaining a transparent governance structure with a board composed of a majority of independent directors and specialized sub-committees to oversee bank operations and regulatory compliance.

Board consists of 7 Independent Directors (including 1 Women Director)

Focus on digital channel to drive operating efficiency

A specialized banking model focusing on the SME/MSME segment, consistently delivering higher yields with lower business acquisition costs.

Trading and MSME loan segments constitute about 42% of advances

Modernizing the lending lifecycle through the introduction of a Digital Lending Process and digitalization of the Loan Origination System (LOS).

LOS is digitalized

Focusing on a granular retail deposit base with zero reliance on Certificates of Deposit or corporate bulk deposits to maintain a stable liability profile.

No Certificate of Deposit

Maintaining a diversified and granular asset profile with a focus on collateralized lending and limited exposure to group borrowers.

advances to top 20 group borrowers contributing 7.27 %

Maintaining a diversified credit portfolio to reduce credit risk, focusing on lower ticket sizes secured by adequate collaterals.

Lower ticket size backed by adequate collaterals

Sustaining a high concentration in Trading and MSME sectors within the loan book composition.

Trading & MSME loans constitute about 42%

Launching new digital offerings including Loan Against Securities, UPI Circle, UPI Lite, and facilitating Credit Card and Credit Line services on UPI platforms.

Implementation of AI-driven conversational bots, Voice Biometric Authentication, and Data Analytics to improve operational efficiency and mobile banking security.

Expansion of API Banking ecosystems through partnerships with aggregators and fintechs to enable digital lending, account opening, and integrated payments.

Establishment of co-branded credit card partnerships with IPL teams Chennai Super Kings (CSK) and Sunrisers Hyderabad (SRH), offering exclusive fan benefits and merchandise.

The bank has focused on digital transformation and lending capabilities, receiving recognition for data maturity and digital enablement.

Digital Lending Bank of the Year

Implementation of cyber security transformation projects and maintaining compliance standards to ensure operational resilience.

Cyber Security Transformation of the Year

Adherence to transparent governance practices with a board comprising a majority of independent directors and strict KYC/AML compliance.

Board consists of 7 Independent Directors (including 1 Women Director), 2 Executive Directors and MD & CEO

Arrested and reversed CASA share decline.

Achieved highest deposits growth in 39 quarters.

Highest Deposits growth recorded in the past 39 quarters

Achieved highest advances growth in 40 quarters.

Highest Advances growth recorded in the past 40 quarters

Achieved 9.35% business growth over the last 10 years (CAGR).

9.35%

Setup 12 CMCs to drive advances.

12 CMCs

Introduced Liability RMs to drive CASA/Deposits.

Digital transformation is nearing completion.

Achieved on-book Provision Coverage Ratio (PCR) at a 10-year high.

10 year high

Maintained credit cost under control.

Achieved lowest GNPA% in the past 40 quarters.

Lowest GNPA% in the past 40 quarters

Achieved lowest ever SMA (Special Mention Accounts) percentage.

Lowest ever SMA %

Delivered over 50% increase in share price in the last 12 months.

50%+ increase in share price

Market capitalization crossed ₹10,600 crores.

₹10,600 crores

Shareholder funds crossed ₹10,000 crores, and book value reached ₹638.

₹10,000 crores, Book value @ ₹638

Recommended a dividend of 125% for FY2026.

125%

Setting up TBG (Transactions Banking Group) & ESG (Elite Service Group) to support CASA & Deposits growth.

Setting up asset resolution branches to manage portfolio LTV/Margin calls & Auctions for gold loans.

Behavior- and eligibility-led personalized prompts (Next Best Offers & Next Best Communications) embedded within customer journeys on Feddy.

Setting up specialized asset resolution branches to manage portfolio LTV, margin calls, and auctions, specifically for gold loans.

Asset resolution branches being set up to manage portfolio LTV/Margin calls & Auctions.

Proactively maintaining a contingency provision to buffer the impact of the upcoming transition to Expected Credit Loss (ECL) regulations.

₹250 crore of contingency provision held sufficiently covers the impact.

Accelerated physical expansion strategy focused on increasing footprint outside Tamilnadu through dedicated recruitment of branch managers.

44 Branches opened in FY2026

Modernization of bank operations through the implementation of Oracle Fusion for HCM and CX, workflow automation, and a new state-of-the-art AI Call Center.

IT spend up 15.80% YoY

Comprehensive HR transformation focusing on digital onboarding, cloud-based document repositories, and AI support for employee policy guidance.

Implementation of Oracle Cloud Fusion HCM (from Apr 2025)

Social and environmental engagement through skill development centers, cancer institute support, and green initiatives like temple garden development.

Foundation laid for a Skill Development center in Madurai

The bank has maintained a contingency provision to prepare for the implementation of new Expected Credit Loss (ECL) regulations.

₹250 crore contingency provision is largely sufficient to cover the impact.

Maintaining high collateral coverage levels across loan segments to minimize potential losses and maximize provision write-backs.

115.90% average collateral available for NPA.

The bank is implementing a broad modernisation of its IT systems including Oracle Fusion (HCM, CX & VMS) and workflow automation.

A budget allocation of  250 Crore has been made for FY 25-26

Upgradation of the Internet Banking Application into a Digital Engagement Hub along with mobile banking and UPI enhancements.

Upgradation of Internet Banking Application to Digital Engagement Hub

Strategic talent acquisition across all verticals with a focus on acquiring specialized technology professionals from global tech majors.

1043 New Hires Across all verticals

Accelerating CASA and liability mobilisation by engaging experienced Business Development Executives.

engaging 200 experienced Business Development Executives

Expanding frontline capability and ensuring service consistency outside Tamil Nadu through the deployment of trained Senior Customer Service Executives (SCSEs).

deployment of 85 trained SCSEs

Opened the 600th branch in Vizhinjam, Kerala.

Our 600th Branch Opened in Vizhinjam, Kerala on 27.10.2025

Implemented Transaction Business Group (TBG) and Elite Service Group (ESG) to drive growth.

Transaction Business Group (TBG) implemented in Q4FY25 and Elite Service Group (ESG) in Q1FY26 taking roots..

Implemented a Customer Relationship Management (CRM) platform.

Customer experience platform (CRM) implemented in Q2FY26.

The bank is aggressively pursuing recovery from written-off accounts to enhance non-interest and interest income.

Total Recovery of ₹13.07 Cr in Q2FY26

Focus on systematic reduction of slippages and monitoring Special Mention Accounts (SMA) to improve the stressed asset ratio.

Stressed Assets Ratio (%) declined to 1.59%

Performing impact analysis for upcoming RBI draft guidelines on ECL and maintaining contingency provisions to mitigate impact.

Currently maintaining ₹250 crores of provision for Covid and other contingencies

Assessing risk exposure to specific sectors and geographic markets, particularly monitoring the share of USA-bound export credit in light of potential tariff changes.

USA bound export credit accounts for 17.53% of total export credit

Significant expansion of IT budget to support various strategic initiatives including internet banking upgradation, Oracle Fusion implementation, mobile banking enhancements, and new LOS/LMS applications.

Enhanced to ₹250.00 Crore

Collaboration with Wegofin Digital Solutions Pvt Ltd under the BAPA model.

Skill development and sports empowerment sponsorships, including partnership for BFSI sector skill development.

Partnership with IIT Madras Pravartak for BSFI Sector skill development

Establishment of Transaction Business Group helped turn the tide on CASA. Tab based online Current account opening launched on 08.07.25 to accelerate growth.

The bank is committed to sourcing sustainable energy.

530 KWp

Elite Services Group established with dedicated Relationship Managers to cater to high value deposit clients. Clients at 38 branches to benefit in phase I.

Clients at 38 branches

Automated Loan Management System under implementation, to drive growth.

Maintaining high collateral coverage for Non-Performing Assets to mitigate potential portfolio losses.

The average collateral cover of NPA is 108%.

Strategic focus on shifting customer behavior towards digital channels resulting in high digital transaction penetration.

96.62% digital share

Consistent effort to reduce the stressed asset ratio through reduction in standard restructure advances and gross NPA.

Stressed Assets Ratio reduced to 1.88%

Implementation of Oracle CX, Vendor Management System (VMS), and Business Process Management (BPM) modules to drive operational excellence, seamless customer lifecycle management, and paperless digitized workflows.

Expanding the bank's physical footprint across India with the opening of new branches.

During the Q1FY26, 7 new branches were opened.

Transforming the asset book by focusing on rebalancing toward high/medium yielding products such as Credit Cards, MSME loans, CV/CE, and Micro Advances.

YoY growth of 17% in MSME loans, 25% in CV/CE, and 23% in Credit Cards.

Engaging in strategic fintech collaborations to drive business growth across co-branded credit cards, deposit franchises, and personal loans.

Fintech business share in FY'26 reached 68% for co-branded credit cards and 33% for personal loans.

Leveraging digital platforms, RPA processes, APIs, and the digital assistant 'Feddy' to drive automation and customer service requests.

Feddy handled approximately 11 lakh customer queries during the quarter, marking a 14% QoQ increase.

Launched a DIY, fully paperless digital platform for current account onboarding (Federal 24 7) enabling individuals and sole proprietors to open accounts end-to-end without branch intervention.

Implemented a unified credit card management platform covering the complete lifecycle of both organic and FinTech-partner credit cards.

Launched end-to-end NPS capabilities and fully digital NRO account opening on FedMobile.

Launched FedWealth, an in-house digital investment platform enabling direct mutual fund investments on FedMobile and FedNet.

Rolled out Direct Tax & GST payment functionality on FedOne for MSME/Corporate customers.

11,000+ Corporate / MSME customers

Rolled out FedOne Payments, a digital-first payments solution designed to simplify and streamline corporate transaction journeys.

Rolled out FedOne Collection Hub, an advanced receivables management solution designed to streamline multi-channel collections.

Deployed digital assistant Feddy to handle customer queries across multiple channels.

Feddy handled approximately 11 lakh customer queries during the quarter, marking a 14% quarter-on-quarter increase.

The bank maintains a strong focus on gender diversity across its workforce and board representation.

42% Women Representation in workforce and 9% Women Representation in the Board

Flagged off the 'Twice is Wise' cybersecurity awareness campaign.

‘Twice is Wise’ – a Cybersecurity Awareness Campaign flagged off

Conducted the 'Speak for India' debate competition to provide a platform for student expression.

Committed to expanding the green portfolio size and sustainable energy sourcing as part of public commitments.

Mar-26 green portfolio size reached ₹ 10,489 Cr

Organized fitness-led community events including the Kochi Marathon and Hyderabad Soldierathon to promote health and civilian-soldier unity.

The 4th Federal Bank Kochi Marathon 2026

Officially launched 'FedWealth', a wealth management platform, to build a strong in-house wealth management franchise.

Federal Bank officially launched FedWealth

Powering innovation and customer value through fintech and brand partnerships across deposits, digital loans, credit cards, merchant payments, and priority lending.

90+ Cross Border Remittance Partners

Enabled bill payments on CBDC across key utility categories via Bharat Connect, expanding CBDC use beyond P2P and merchant transactions.

Launched WhatsApp-based conversational bill payments with instant bill fetch and UPI payment via the digital assistant Feddy.

Expansion of corporate mobile banking with the FedCorp platform, crossing key transaction milestones.

Monthly transaction value reached ₹9,946 crore, crossing ₹9,000 crore for the first time

Enabled bill payments on CBDC across key utility categories via Bharat Connect, expanding CBDC use beyond P2P and merchant transactions.

Launched WhatsApp-based conversational bill payments on Feddy with instant bill fetch and UPI payment features.

Embedded behavior- and eligibility-led personalized prompts within customer journeys via Next Best Offers (NBO) & Next Best Communications (NBC) on Feddy.

Expanded the reach and volume of FedCorp, crossing key transaction milestones for corporate mobile banking.

Monthly transaction value reached ₹9,946 crore

Secured a strategic minority investment from Blackstone through the issuance of convertible warrants to strengthen the bank's capital base.

₹ 6,197 Cr investment via warrants

Unveiled 'The Fortuna Wave', a refreshed brand identity anchored on three core pillars: Authenticity, Prosperity, and Togetherness.

The Bank launched the 'Twice is Wise' cybersecurity awareness campaign to educate and build awareness around security.

'Twice is Wise' - a Cybersecurity Awareness Campaign flagged off

The Bank focuses on gender diversity, maintaining a significant portion of women in the workforce.

42% Women Representation in workforce

Established a dedicated E&S committee chaired by the MD & CEO to track ESG strategies & actions.

Dedicated E&S committee chaired by MD & CEO to track the ESG strategies & actions

The Bank is actively working on growing its green portfolio size, with targeted expansion.

₹ 9,320 Cr as of Dec-25

Committed to financing women entrepreneurs through the Business Correspondent (BC) Channel.

12.70 Lakh as of Dec-25

Developed the FedOne platform to provide innovative solutions, receiving award recognition.

Federal Bank wins 'Best in Class' Award for FedOne at the Global Fintech Innovation Awards (GFIA) 2025

Engagement in brand-building events including the festive campaign 'Rishton ke Naam' and the Federal Bank - Pune Marathon.

Building collaborative partnerships across liabilities, credit cards, savings franchises, and personal loans with FinTech players like Fi, Jupiter, INDmoney, and Paytm.

68% Business Share in FY'26 for co-branded credit cards

Driving digital transaction adoption and automation through the Feddy digital assistant, FedMobile app, and RPA processes.

92.57% Transactions Serviced Digitally (Retail + Corporate)

Launching 'Banking Connect', an interoperable Net & Mobile Banking (IBMB) solution that standardizes net banking flows across banks and merchants.

Introducing OS-native biometric authentication utilizing smartphone biometrics (fingerprint or facial recognition) for UPI transactions to reduce failures.

Launched 'Banking Connect', an Interoperable Net & Mobile Banking (IBMB) solution that revolutionizes traditional net banking by making it seamless, secure, and standardized across banks and merchants.

Introduced 'Biometric Authentication for UPI Transactions', utilizing smartphone biometrics (fingerprint or facial recognition) for fast, frictionless, and secure user experiences without requiring PIN memorization.

Rolled out 'Face Authentication for UPI PIN Set/Reset', enabling users to set or reset UPI PINs card-free via facial biometrics integrated with UIDAI's Face RD service.

Driving credit and debit card penetration, usage, and digital lending, maintaining a focus on growing market share in card spends.

Rank 9 in credit card spends (1.35% market share) and Rank 4 in debit card spends (7% market share) as of Aug'25

A Cybersecurity Awareness Campaign named 'Twice is Wise' was flagged off.

A 'Speak for India' debate competition was conducted, providing a transformative platform for student expression.

A dedicated E&S committee, chaired by the MD & CEO, tracks the ESG strategies and actions.

The bank has obtained Information Security Management System, Business Continuity Management System, and Payments Card Industry Data Security Standard certifications.

Focused efforts are being made to build a green portfolio.

₹9,706 Cr

The bank engages in environmentally responsible and sustainable practices, including water conservation.

1,28,500 Litre

The bank is committed and focused on an ongoing basis to finance women entrepreneurs through the BC Channel.

12.80 Lakh

The bank aims for its premises to be green certified, with IGBC certification obtained for 3 premises.

2.7% of total occupied area; IGBC certification obtained for 3 premises

The 'Savings Ki Vidya Campaign' was launched to promote saving as a strategy for empowering dreams.

The 'Twice is Wise' CSR Campaign focuses on cybersecurity awareness.

Federal Bank received the Best AI/ML in Cloud Operations award at the Data Centre and Cloud Innovation Summit 2025.

Best AI/ML in Cloud Operations award

Focusing growth momentum on MSME and mid-market segments.

Commercial Banking (COB) growth at 27% YoY

Strategic focus on CASA and deposit mobilization despite macro challenges.

CASA up 12% YoY on the back of robust CA growth (+17.4%)

Diversifying income streams through non-interest income and fee-based services.

Core fee income grew by 20.21% YoY outpacing asset growth

Forming strategic fintech partnerships across liability products, credit cards, gold loans, and digital lending to expand market reach.

90+ Cross Border remittance partners

Driving customer acquisition and business growth through partnerships for co-branded credit cards, savings franchise, and personal loans.

67% business share in FY'26 for co-branded credit cards

Implementing conversational AI and automated process workflows to handle high-volume customer queries and services.

Approx 9 Lakh queries answered by Feddy in this quarter

Launching upgraded mobile and corporate digital applications (FedMobile v7.1 and FedCorp v3.0) and facilitating end-to-end journeys through alternative channels.

Availing life cover offers a 10bps reduction in loan interest rate within WhatsApp Hub

Release of FedMobile v7.1 with key updates including KYC updation, RuPay credit card Scan & Pay, and dynamic QR for UPI collect.

Launch of FedCorp v3.0 featuring a fresh UI, enabled UPI payments, simplified IMPS, and Android SIM binding.

Enabling Personal Loans via WhatsApp Hub with end-to-end journey support and life insurance integration offering interest rate discounts.

10bps reduction in loan interest rate

FedOne launches 'Collection Hub', a one-stop solution for receivables management requirements of SME and Corporate clients.

Active expansion of the green portfolio size to meet the long-term target of 13,000 Cr by December 2025.

₹ 9,678 Cr as of Jun-25

Focus on financing women entrepreneurs through the Business Correspondent (BC) Channel.

12.51 Lakh as of Jun-25

Focusing efforts on growing the green portfolio size with a target of ₹ 13,000 Cr by December 2025.

₹ 9,678 Cr as of Jun-25, representing a 4.28% QoQ growth

Financing women entrepreneurs through the Business Correspondent (BC) Channel, aiming for a target of 20.00 Lakh by March 2030.

12.51 Lakh as of Jun-25, with a 25.11% increase on a YoY basis

Maintaining an ongoing commitment to gender diversity with a target of keeping the women employee ratio at or above 40%.

43% as of Jun-25

Sourcing sustainable energy by increasing in-house solar power generation capacity towards a target of 750kWp by March 2028.

530 KWp as of Jun-25

Strengthening cybersecurity frameworks and response structures across the bank's operations.

Recognized for Cyber Security Incident Response Maturity (Winner), Cyber Security Team of the Year (Special Prize), and Cyber Security Compliance Champion (Special Prize)

Significant improvement in Branch Productivity

Built new customer facing systems and processes, and significant improvement in processes and systems overall

Significant investment in training with a focus on culture change

Active monitoring and optimization of cost structures and tight cost management

Shift loan portfolio focus from Corporate to MSME and Retail segments

Maintain strong focus on Asset Quality and Collection Efficiency

Establish dedicated ECG centres across high-potential locations to enhance geographic coverage and deepen market penetration, alongside strengthening the existing regional footprint.

Drive focused acquisition of New-to-Bank clients in identified growth markets to scale the NTB portfolio and improve market share.

Target mid-sized enterprises with turnover up to ₹500 crores, enabling structured sourcing of proposals ranging from ₹3 crores to ₹35 crores per borrower.

Deploy additional RM/SM resources at major ECG centres to strengthen origination, relationship management, and execution capabilities.

Streamline the CLOS process through simplified data capture, API-led integrations, and enhanced automation to significantly reduce login-to-disbursement turnaround time.

Implement continuous learning interventions through structured online and offline programs in collaboration with training institutions to build domain expertise and market readiness.

Bank branches are empowered to handle small-value MSME loans with the support of on-the-ground technology for faster sanctioning.

Roll out quarterly campaigns with clearly defined performance metrics, complemented by staff Recognition for ECG teams, branches, and credit hubs.

Moving from 'evolutionary' processes to 'processes consciously designed' to improve branch efficiency.

Build a culture of customer engagement by Hiring for 'sales attitude' & training for skills by use of psychometric testing.

Build a culture of customer engagement by Prioritizing & rewarding 'customer first' behavior in the branches.

Free-up branch time by Limiting to that which 'must' be done at branch e.g. cash at teller or cheque presentation.

Free-up branch time by Centralize/automate to the extent possible.

Branch process reengineering update: Number of processes automated: 03 Number of processes eliminated: 14 Number of processes centralized: 10 Number of processes optimized : 07 Number of processes being reviewed for upgradation: 45

Number of processes automated: 03 Number of processes eliminated: 14 Number of processes centralized: 10 Number of processes optimized : 07 Number of processes being reviewed for upgradation: 45

Re-engineered the SIB Mirror+ app into a versatile digital gateway, specifically optimized to cater New to Bank segments and Fintech ecosystem integrations.

End-to end digitization of locker agreement documentation & agreement execution with stronger controls, faster turnaround time and superior customer experience.

SIB FINX a completely Digital Savings Bank product with seamless customer onboarding.

SIBerNet now supports direct integration with various treasuries and govt entities such as EPFO, ESIC, Karnataka treasury etc.

Digitized stock statement submission through banks website with an end-to-end digital process to improve TAT, enhance customer convenience and drive operational efficiency.

SIB RED portal – An all-in-one digital portal for Products and Services.

Strengthened digital lending capabilities through in-house developed LOS, enabling faster processing, improved control and enhanced operational efficiency.

Trade Finance Module – The SIBerNet Corporate platform, handles the full spectrum of outward & inward remittance flows.

Enhanced loan collection efficiency through the rollout of new loan collection platform, empowering field staff with digital tools to improve recovery effectiveness and operational productivity.

Personal Loan origination through a secure digital application portal with OTP based authentication, seamless LOS integration, delivering faster approvals, enhanced customer onboarding experience and enabling rapid loan application processing.

New Home Loan Variants, including Top-Up HL and SIB Ashirwad, offering flexible housing finance options.

Launched SIB Xpress, SIB Aureate, SIB Xpress Farm Gold Loan products.

Enterprise Generative AI Assistant: Bank-wide GenAI productivity layer.

Retrieval-Augmented Generation (RAG): Indexed knowledge base for instant search across internal documents and policies.

Agentic Customer Support: Autonomous document-retrieval agents augmenting service teams.

AI-Assisted Engineering: Coding agents accelerating greenfield application development.

IT Change Governance: Agentic compliance review for IT change-management workflows.

Automated Day-Book Audit: AI-driven audit of branch day books and daily activity records.

Signature Verification: AI-assisted signature authentication accelerating internal operations.

Regulatory Compliance Chatbot: Conversational interface for compliance teams to query and retrieve regulatory circulars and directives.

Review & Complaint Intelligence: AI-powered review analysis and complaint intelligence for customer experience.

Enhancing Portfolio Resilience

Improving Branch Productivity

Cost Optimization

Growing non-branch Distribution & Leveraging Partnerships

Enhancing Control / Compliance Architecture

Implementing 'GST Power', an STP Model managing the process from login to disbursement for MSME Overdraft proposals up to ₹500 lakh.

Developing 'LAP Power', an automated STP platform for Loan Against Property (LAP) proposals.

Implementing 'Power Drive', an in-house developed STP process flow for Vehicle Loan proposals.

Developing 'Power CONSOL', an STP to handle proposals intended to consolidate and realign credit exposure of approaching customers.

Implementing 'Aawas Power', an STP-based LOS for Affordable housing loan proposals.

Implementing 'Composite Power', an STP enabled process flow for retail MSME credit proposals with multiple facilities (incl. non funded).

Implementing 'Micro Power', a unified STP flow, for handling MUDRA & SIB UDAY proposals up to 10 lakhs.

Revamping processes for 'Edu Power' with attractive features and streamlined process for overseas education finance.

Introducing 'SIB Gold Xpress', a product aligned with RBI guidelines offering streamlined income assessment models.

Developing 'Auto Renewal of KCC', an application module for renewal of KCC proposals up to 5 crores.

Simplifying the renewal process for WC Limits with a simplified loan process flow for MSME renewals between 2-5 Crores.

Implementing 'Captive Power', an STP model with integrated scorecard for handling Commercial Vehicle loan under Captive scheme.

Digitalizing the Gold loan on-boarding process and documentation with an e-sign feature through 'Gold Loan Digitalization Process'.

Utilizing 'AI ML based Document Generation' solution for AI-driven tech solutions for BFSI sector, leveraging AI, Machine Learning, and NLP for automated generation of credit-related documents.

Implementing 'Transaction based Renewal', a process flow to route Working Capital renewal proposals up to 2 Crores.

Introducing 'ULI based KCC', a new KCC variant integrated with the ULI platform for seamless and digital onboarding.

Engaging in co-lending partnerships with Moneyview, Godrej Housing Finance, Muthoot Fincorp, and FEDBANK.

Partnering with CapFloat Financial Services Private Limited (axio) to offer seamless online checkout finance & Personal loans for Amazon customers, aiming to enhance retail portfolio quality and expand customer base.

Implementing a Debit Card EMI Program with Pine Labs.

Partnering with Northern Arc for a co-lending / DA platform.

Offering Loan against Mutual fund with smallcase and hanLAP.

Engaging in a fintech partnership for Insurance premium financing with Finsall.

Partnering with Upswing (fintech) to allow New-To-Bank customers to open deposit accounts.

Developing in-house solutions for Digital deposits, Digital Personal loans, and Secured credit line on UPI.

Gaining significant momentum in Retail and MSME Segment, with Gold, Auto, MSME, CV/CE showing good traction.

Intensifying training and re-skilling of staff.

4,786 Staff trained in various programs against 1,304 in Q4’FY25, 13,287 Staff trained in various programs against 7,891 in FY25

Managing a 79:21 Tooth to Tail Ratio with further progress expected.

Closely tracking expenses, resulting in muted sequential expense growth.

Establishing strategic partnerships including Co-Lending and focusing on non-branch business.

Setting up key systems like Business Process, management tools, CRM systems, Treasury & Risk Management, and leading payment channels such as UPI, IMPS, Bharat QR, Bhim Aadhaar.

Utilizing business intelligence, data analytics, predictive modelling, and data science.

MSME customers relationship managed by dedicated team with Relationship Managers and Sales Managers.

Introduced performance-driven reward system to incentivize ECG front end sales team by focusing on disbursement.

To drive targeted growth and manage risk effectively, the bank is strategically focusing on sector-based lending.

A structured skill-building initiative for MSME teams has been implemented, focusing on portfolio quality and superior customer experiences.

Transaction-based renewals were enabled through technology for hassle-free renewal of borrower accounts.

New ML product and system launched to improve market position.

Bank branches are empowered to handle small-value MSME loans with the support of on-the-ground technology for faster sanctioning.

GST Power product has been modified, increasing the maximum loan amount from Rs 2 crore to Rs 5 crore.

increasing the maximum loan amount from Rs 2 crore to Rs 5 crore.

Introduced performance-driven reward system to incentivize ECG front end sales team by focusing on disbursement.

To drive targeted growth and manage risk effectively, we are strategically focusing on sector-based lending.

A structured skill-building initiative for MSME teams has been implemented, focusing on portfolio quality and superior customer experiences.

Transaction-based renewals were enabled through technology for hassle-free renewal of borrower accounts.

New ML product and system launched to improve market position.

Bank branches are empowered to handle small-value MSME loans with the support of on-the-ground technology for faster sanctioning.

GST Power product has been modified, increasing the maximum loan amount from Rs 2 crore to Rs 5 crore.

UIDAI Face authentication in UPI for setting UPI PIN & Biometric authentication for transaction authentication.

Soundbox in tie-up with Mswipe enabling instant credit to merchant accounts with real-time visibility, thereby delivering stronger merchant trust.

SIB HER: Premium domestic, NRE and NRO savings account designed exclusively for women.

Continuous enhancements to Mirror+ app - Financial Calendar, Updating customer signatures, Autopay for bill payments & instant payee activation - now available.

Strengthened fraud risk management framework with advanced behavioral analytics and device intelligence, improving protection across digital banking platforms.

Integration with Indian Bullion and Jewellers Association to get daily market price of Gold and thereby fixing Rate Per Gram for Gold loans.

Migrated from legacy system to a unified in-house CRM, centralizing lead management & optimizing complaint resolution.

On-boarding of NRI customers through mobile based customer onboarding app SWIFTe, improving turnaround times and service scalability.

New system for Continuous Clearing and On-Realization Settlement for CTS with same day return window to process inward cheques.

New in-house Loan Origination System for commercial vehicles with integrated scorecard to streamline onboarding & improve portfolio quality.

Implemented voucher reconciliation using AI-driven matching engine streamlining the validations of physical documents against CBS transaction.

AI based loan document generation s/w ensuring uniformity in documentation & automated cross verification b/w draft & executed agreements.

Enhancing Portfolio Resilience.

Improving Branch Productivity.

Cost Optimization.

Growing non- branch Distribution & Leveraging Partnerships.

Enhancing Control / Compliance Architecture.

GST Power: The STP Model now manages the entire process from login to disbursement for MSME Overdraft proposals upto ₹500 lakh.

LAP Power: Automated STP platform for Loan Against Property (LAP) proposals.

Power Drive: In-house developed STP process flow for Vehicle Loan proposals.

Power CONSOL: STP to handle proposals intended to consolidate and realign credit exposure of approaching customers.

Aawas Power: STP-based LOS for Affordable housing loan proposals.

Composite Power: STP enabled process flow for retail MSME credit proposals with multiple facilities (incl. non funded).

Micro Power: Unified STP flow, for handling MUDRA & SIB UDAY proposals up to 10 lakhs.

Edu Power: Revamped with attractive features and streamlined process, for overseas education finance.

SIB Gold Xpress: A product introduced in alignment with revised RBI guidelines, offering streamlined income assessment models.

Auto Renewal of KCC: Application module for renewal of KCC proposals upto 5 crores.

Simplified Renewal process for WC Limits: Simplified Loan process flow to handle MSME renewals for limits between 2-5 Crores.

Captive Power: STP model with integrated scorecard for handling Commercial Vehicle loan under Captive scheme.

Gold Loan Digitalization Process: Digitalization of Gold loan on-boarding process and documentation with e-sign feature.

AI ML based Document Generation: An AI-driven tech solution for BFSI sector, leveraging AI, Machine Learning, and NLP for automated generation of credit related documents.

Transaction based Renewal: Transaction based Renewal process flow to route Working Capital renewal proposals up to 2 Crores.

ULI based KCC: A new KCC variant integrated with the ULI platform, enabling seamless and digital onboarding by leveraging land record and crop details.

Co-lending partnerships with various fintechs to enhance retail portfolio quality and expand customer base.

Fintech Partnership (with Upswing) allowing NTB customers to open deposit accounts.

Digital sourcing of current accounts through referral programs (with India Filings).

In-house solutions for Digital deposits / Digital Personal loans/ Secured credit line on UPI.

Significant momentum in Retail and MSME Segment (Gold, Home, Auto, MSME, CV/CE showing good traction).

79:21 – Tooth to Tail Ratio, with further progress expected during the financial year.

Training/ Re-skilling of staff gathering pace.

2,582 Staff trained in various programs against 2,175 in Q3’FY25

Expenses being tracked closely, with expenses growth sequentially muted.

SIB partners with CapFloat Financial Services Private Limited (axio) to offer seamless online checkout finance & Personal loans for Amazon customers, aiming to enhance its retail portfolio quality and expand its customer base.

Engaging in co-lending / DA platform, Debit Card EMI Program, and Loan against Mutual fund with partners like Northern ARC, Pine Labs, smallcase, and hanLAP.

Fintech Partnership with Upswing allowing New-To-Bank (NTB) customers to open deposit accounts.

Digital sourcing of current accounts through referral programs with IndiaFilings.

Developing in-house solutions for Digital deposits, Digital Personal loans, and Secured credit line on UPI (Credit Line On UPI, SIB QUICK FD, SIB QUICKPL).

Focusing on significant momentum in Retail and MSME Segment, with Gold, Home, Auto, MSME, CV/CE showing good traction.

Training and re-skilling of staff is gathering pace.

2,582 Staff trained in various programs against 2,175 in Q3’FY25

Expenses are being tracked closely, with expenses growth sequentially muted.

The bank demonstrates a consistent commitment to next-gen banking, reflected by being a back-to-back Winner of the Tech Talent Award and leading with the highest number of awards in the segment.

BEST TECH TALENT & ORGANISATION- WINNER, BEST DIGITAL SALES & ENGAGEMENT- RUNNER UP, BEST TECHNOLOGY BANK OF THE YEAR- RUNNER UP, BEST AI & ML ADOPTION- RUNNER UP, BEST IT RISK MANAGEMENT- SPECIAL MENTION, BEST FINTECH & DIGITAL PAYMENT INDEX ADOPTION- SPECIAL MENTION, Leads with highest number of awards in the segment

South Indian Bank has demonstrated standout performance in banking technology, earning multiple accolades at the IBA Banking Technology Awards 2024-25, including Best Tech Talent & Organisation (Winner), Best Digital Sales & Engagement (Runner Up), Best Technology Bank of the Year (Runner Up), Best AI & ML Adoption (Runner Up), Best IT Risk Management (Special Mention), and Best Fintech & Digital Payment Index Adoption (Special Mention).

Consistent Winner across the years highlighting the Bank's commitment to next-gen banking, Leads with highest number of awards in the segment, Back-to-back Winner of the Tech Talent Award, reflecting sustained excellence in nurturing digital & technology capabilities

MSME customers relationship managed by dedicated team with Relationship Managers and Sales Managers.

Introduced performance-driven reward system to incentivize ECG front end sales team by focusing on disbursement.

To drive targeted growth and manage risk effectively, we are strategically focusing on sector-based lending.

A structured skill-building initiative for MSME teams has been implemented, focusing on portfolio quality and superior customer experiences.

Transaction-based renewals were enabled through technology for hassle-free renewal of borrower accounts.

New ML product and system launched to improve market position.

Bank branches are empowered to handle small-value MSME loans with the support of on-the-ground technology for faster sanctioning.

GST Power product has been modified, increasing the maximum loan amount from Rs 2 crore to Rs 5 crore.

increasing the maximum loan amount from Rs 2 crore to Rs 5 crore

Dedicated vertical for MSME customers relationship management by a dedicated team with Relationship Managers and Sales Managers.

Introduced performance-driven reward system to incentivize the ECG front end sales team by focusing on disbursement.

Strategically focusing on sector-based lending to drive targeted growth and manage risk effectively.

Implemented a structured skill-building initiative for MSME teams focusing on portfolio quality and superior customer experiences.

Enabled transaction-based renewals through technology for hassle-free renewal of borrower accounts.

Launched a new ML product and system to improve market position.

Empowering bank branches to handle small-value MSME loans with on-the-ground technology for faster sanctioning.

Modified the GST Power product, increasing the maximum loan amount from Rs 2 crore to Rs 5 crore.

Developed a Customer Satisfaction Survey platform to create, distribute & analyze online customer feedback for hyper-personalized services.

Enhanced the Trade Finance Portal with the introduction of a new module for efficient inward remittance (IR) processing.

Launched a new website with a revamped look and feel to give customers a top-notch experience.

Integrated UPI with the GST portal as an additional payment mode for faster, more convenient GST payments.

Implemented quick NRE/NRO account opening in a simplified onboarding journey through the mobile-based customer onboarding app SWIFTe to enhance the NRI customer base.

Launched 'Gold Xpress', a new gold loan product with a comprehensive credit assessment model primarily aimed at financing income generating activities.

Empowering the Loan Origination System to extend SIB Ashirvad Housing Loan to NRI customers.

Implemented an Enterprise document management system enabling instant KYC reuse, cutting customer on-boarding time & cost.

Implemented 'GST Power', an STP Model to manage the entire process for MSME OD from ₹10 lakh to ₹200 lakhs.

Implemented 'Gold Loan Digitalization Process' for digitalization of Gold loan onboarding and documentation with e-sign feature.

Implemented 'Micro Power', a unified STP flow for handling MUDRA & SIB UDAY proposals up to ₹10 lakhs.

Implemented 'LAP Power', an automated STP platform for Loan Against Property (LAP) proposals.

Implemented 'Aawas power', an STP-based LOS for Affordable housing loan proposals.

Implemented a simplified renewal process for WC Limits, streamlining loan process flow to handle MSME renewals for limits between ₹2-5 Crores.

Implemented 'Power Drive', an in-house developed STP process flow for Vehicle Loan proposals.

Implemented 'Power CONSOL', an STP to handle proposals intended to consolidate and realign credit exposure of approaching customers.

Introduced 'SIB Gold Xpress', a product in alignment with revised RBI guidelines offering streamlined income assessment models.

Implemented 'Composite Power', an STP enabled process flow for retail MSME credit proposals with multiple facilities (incl. non funded).

Implemented 'Edu Power', revamped with attractive features and streamlined process, for overseas education finance.

Implemented 'Auto Renewal of AGRI', an application module for renewal of AGRI KCC proposals upto 50 lakhs.

Project aims for addition of income assessment methods like GST, ITR, BSA in addition to existing assessment methods based on imputed income and Personal Discussion in Gold Xpress.

The SME Power project aims to refine and simplify the new CLOS platform for handling Business Loan proposals, minimizing data entry, simplifying documents, and automating activities.

The Captive Power (CE/CV) project aims to amplify the CE/CV Retail loan book by refining existing process flow and revamping the product, with a semi STP LOS model.

Phase II of the Composite Power project will automate the Post Sanction process flow till disbursement, assisting faster disposal.

Project aims for Pre-approved Housing loan top up through webpage (FACE).

Collaborated with M/s Godrej Housing Finance Limited through co-lending to accelerate growth in Housing Loan.

Significant momentum in Retail Segment, with Home, Auto, Gold, CV/CE showing good traction.

Partnered with M/s Muthoot Fincorp-One through co-lending to drive growth in the Business Loan segment with Equated Daily Instalment (EDI).

Joined hands with M/s Whizdm Finance Pvt Ltd (Money View) via co-lending to scale the Personal Loan portfolio.

Partnership with CapFloat Financial Services Private Limited (axio) to offer seamless online checkout finance for Amazon customers.

Fintech Partnership with upswing, allowing NTB customers to open deposit accounts.

Digital sourcing of current accounts through referral programs with India Filings.

Developing in-house solutions for Digital deposits, Digital Personal loans, and Secured credit line on UPI.

Focus on growing non-branch distribution & leveraging partnerships.

Improving Branch Productivity.

Cost Optimization.

Enhancing Portfolio Resilience.

Enhancing Control / Compliance Architecture.

Training and re-skilling of staff to gather pace.

2,777 Staff trained in various programs against 1,737 in Q2’FY25

Expenses being tracked closely with sequentially muted growth and overall headcount continuing to shrink.

SIB partners with CapFloat Financial Services Private Limited (axio) to offer seamless online checkout finance for Amazon customers, aiming to enhance its retail portfolio quality and expand its customer base.

Fintech Partnership with Upswing allowing NTB customers to open deposit accounts.

Digital sourcing of current accounts through referral programs with India Filings.

In-house solutions for Digital deposits, Digital Personal loans, and Secured credit line on UPI.

Significant momentum in Retail and MSME Segment, with Home, Auto, Gold, MSME, CV/CE showing good traction.

Training/ Re-skilling of staff gathering pace.

2,777 Staff trained in various programs against 1,737 in Q2’FY25

Expenses being tracked closely, with expenses growth sequentially muted and overall headcount continuing to shrink.

Focus on building a diversified loan book, specifically targeting retail, MSME, and high-quality corporate segments.

Maintain and grow a Pan India presence.

Maintain a strong focus on improving asset quality and collection efficiency.

Build a well-distributed deposit base to ensure a stable cost of funds.

Leverage digital channels to enhance operating efficiency.

Establish a dedicated vertical with Relationship Managers and Sales Managers to manage MSME customer relationships.

Introduce a performance-driven reward system to incentivize the ECG front-end sales team, focusing on disbursement.

Strategically focus on sector-based lending to drive targeted growth and manage risk effectively.

Implement a structured skill-building initiative for MSME teams to improve portfolio quality and customer experiences.

Enable transaction-based renewals through technology for hassle-free renewal of borrower accounts.

Launch a new ML product and system to improve market position.

Empower bank branches to handle small-value MSME loans with on-the-ground technology for faster sanctioning.

Modify the GST Power product, increasing the maximum loan amount from Rs 2 crore to Rs 5 crore.

increasing the maximum loan amount from Rs 2 crore to Rs 5 crore

MSME customers relationship managed by dedicated team with Relationship Managers and Sales Managers.

Introduced performance-driven reward system to incentivize ECG front end sales team by focusing on disbursement.

To drive targeted growth and manage risk effectively, the bank is strategically focusing on sector-based lending.

A structured skill-building initiative for MSME teams has been implemented, focusing on portfolio quality and superior customer experiences.

Transaction-based renewals were enabled through technology for hassle-free renewal of borrower accounts.

New ML product and system launched to improve market position.

Bank branches are empowered to handle small-value MSME loans with the support of on-the-ground technology for faster sanctioning.

GST Power product has been modified, increasing the maximum loan amount from Rs 2 crore to Rs 5 crore.

Digital auto loan financing through integration with Maruti Suzuki MSSF platform.

New feature in Mirror+ enabling customers to access their CIBIL credit score, fostering greater financial awareness & credit growth opportunities for the Bank.

Customer inheritance of existing Amazon-Axio checkout finance customers to SIB in a co-lending mode.

UPI linked credit line enabling seamless P2M payments, expanding the credit base by tapping into everyday consumer transactions & diverse customer categories.

Mobile Number update through registered Email ID for NRI customers.

Authenticated Customer Engagement module in SIBerNet to secure remote customer authentication for branch-initiated requests.

Money Mule Identification during CASA account opening.

STP Model to manage the entire process for MSME OD from ₹10 lakh to ₹200 lakhs (GST Power).

Digitalization of Gold loan on-boarding process and documentation with e-sign feature (Gold Loan Digitalization Process).

Unified STP flow, for handling MUDRA & SIB UDAY proposals up to 10 lakhs (Micro Power).

Automated STP platform for Loan Against Property (LAP) proposals (LAP Power).

STP-based LOS for Affordable housing loan proposals (Aawas power).

Simplified Loan process flow to handle MSME renewals for limits between 2-5 Crores (Simplified Renewal process for WC Limits).

In-house developed STP process flow for Vehicle Loan proposals (Power Drive).

STP to handle proposals intended to consolidate and realign credit exposure of approaching customers (Power CONSOL).

Phase III of (TBR) process flow to route Working Capital renewal proposals up to 2 Crores (Transaction Based Renewal).

STP enabled process flow for retail MSME credit proposals with multiple facilities (incl. non funded) (Composite Power).

Revamped with attractive features and streamlined process, for overseas education finance (Edu Power).

Application module for renewal of AGRI KCC proposals upto 50 lakhs (Auto Renewal of AGRI).

Qualified lead referral programs for Mortgage Loans.

Co-lending partnerships for various loan products with partners like IIFL, Rupeek, Northern ARC, Pine Labs, hanLAP.

Partnership with CapFloat Financial Services Private Limited (axio) to offer seamless online checkout finance for Amazon customers, aiming to enhance retail portfolio quality and expand customer base.

Fintech Partnership with Upswing allowing new to bank customers to open deposit accounts.

Digital sourcing of current accounts through referral programs (with India Filings).

In-house solutions for Digital deposits (SIB Quick FD) and Digital Personal loans (SIB Quick PL).

Training/ Re-skilling of staff gathering pace.

3,142 Staff trained in various programs against 2,071 in Q1’FY25

Expenses being tracked closely, with expenses growth sequentially muted and overall headcount continues to shrink.

Accelerating its transformation journey, embracing the future while banking with legacy.

Consolidating financial position to build stakeholder value and enhanced return on equity.

Pre-approved Personal Loans for Salaried launched.

PM Vidyalakshmi & PM Skill Loan Scheme - Govt Education loan scheme launched.

Surrogate based lending for Housing & Mortgage loans in pipeline.

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.

Launch of Virtual account facility in pipeline.

Launch of Capital Gain account Scheme in pipeline.

Tie up with M/s. PINE LABS for POS Services (Launched in April-26).

Programmable CBDC Enables the funds to be used only for Predefined purposes within a specified time or through designated beneficiary.

NFC Based QR Payments- Tap and Pay Facility provided to QR Payments.

Revamp of retail IB with new UI/UX.

Agri Input Loans for Tobacco Crop: Short-term agri loans are extended to registered tobacco growers to meet cultivation requirements, with digital onboarding and faster sanctioning under a Tobacco Board tie-up.

The Bank has built a satisfactory milestone portfolio under dairy allied activities through its partnership with M/s Digivriddhi and plans to scale up the business based on the healthy performance of the book (DGV initiative).

Supply Chain Financing launched.

GST OD in pipeline.

LAP for MSME in pipeline.

Dropline OD for MSME in pipeline.

End to end digitization of key MSME products in pipeline.

Centralized Data Platform for streamlined Regulatory and Business Reporting.

Fintech Scale-up with new partnerships on UPI and ULI.

Embedded AI into CRM for assisting Sales teams.

Leveraging Cloud for AI and Analytics capabilities.

Low Code No Code platforms for accelerated Agile delivery.

Integration with Maruti Suzuki Smart Finance Platform for Car Loans.

Scale up of Dairy Neo Banking Loans on Unified Lending Interface (ULI).

Direct Assignment deals With Home Finance Companies supported by Digital Platforms.

First-in-class scalable central data repository on cloud with data quality management and remediation capabilities.

Predictive, business/strategy and descriptive analytics use-cases.

Enhancement of the Data Link to enable seamless communication and exchange of information.

Integrated analytics with business processes to enable data driven decision making.

Target Retail loan propensity for better product proposition for customers.

Utilize external information on throughputs/market at a pin code level to plan operations (Micro Market Analysis).

Deposit propensity for core augmentation.

Analyse overall wallet share of customer with the Bank through Customer360 (Primary Bank Index).

Monitor Product Portfolio performance & Managed Account Monitoring.

Optimise collection efforts through advances analytics (Collection Prioritisation).

Proactively monitor and control delinquency levels (Behaviour Scorecard).

11+ Dashboards, 40+ Business and Predictive models live for collection efficiency, branch productivity, digital leads, and contact center.

Enhanced CASA Forecasting.

Bureau based Propensity Triggers for X-sell opportunities.

Third-Party Products sales Dashboard.

5+ Digital systems Live.

Focus Branch Strategy (Aligned to Catchment Analytics).

Engage ~1 mn Customers (3X lift in engagement).

~1 mn Engaged Customers (3X lift in engagement)

Realization of Planned P&L Impact (15% incremental p.a).

15% incremental p.a

Delivering Excellence in Core Businesses with Underlying Technology Platform through tech-driven Processes, Products & People targeting Rural, MSME and Retail sector.

Creating a Performance-Driven Culture by rebuilding Outward-Facing, Business-Centric teams.

Digitalisation and Partnership to Accelerate Book Growth, becoming a Digital First private sector Bank.

Implementing Transformative steps leading to improved financial position.

Building on 100+ Year Legacy with Tradition with Innovation, Outbound Sales Culture, and Startup-like Agility.

14 Mn Happy customers

Capitalise on community network and drive growth through MSME and Rural segments.

31.9% Share of MSME & Agri-Loans, 46.56% Branches in Rural & Semi-Urban Areas

Focus on Retail – Home, Gold Loans to enhance RoA and RoE.

46% -> 51% Increase in % of Retail Advances from FY20 to FY26

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

Offerings include Housing, Loans against property, Gold, Vehicle, Education, Personal loans.

Services include Simple & smarter digital loans, Centralized processing, Immediate in-principle sanction, Dedicated RLPSCs / branch network.

Offerings include Agriculture & allied activities, Farm development, Agricultural land purchase, Farm mechanization, Hi-tech agriculture, Agricultural infrastructure & ancillary.

Facilities include Dedicated technical experts (AFOs), Agri Development Branches (ADBs), Rural godown loans, Farm machinery/vehicle loans.

Offerings include Working capital finance for traders & manufacturing industries, Term loans & infrastructure finance, Business development loans, Corporate loans, Professional & self-employed loans, CV / CE loans.

Facilities include GST Based Loans, Quick digital underwriting, Loans to women entrepreneurs, Segment Focused Loans.

Empaneled as 'Agency Bank' for Direct Tax, Goods & Service Tax (GST) and Customs Duty Collection.

Live with Direct Tax Collection by offering various payment methods like Over the Counter (OTC) and Internet Banking.

Live with Customs Duty Collection through Internet Banking.

Live with GST Collection by offering various payment methods like OTC, Internet Banking and Unified Payment Interface (UPI).

Employees Provident Fund Organization platform for collection of EPFO contributions will be launched in Q1 FY26-27.

Capital Gains Accounts Scheme option for investors to claim tax exemption under Income Tax Act will be launched in in Q1 FY26-27.

Live on Khajane 2 e-receipts for state revenue collection (Karnataka).

Bank has tied up with Power Finance Corporation (PFC), Rural Electrification Corporation (REC), & Indian Railway Finance Corporation (IRFC) for collection of Capital Gain Bonds.

Flexi Fixed Deposits scheme for Government Departments & allied institutions and RERA Project Accounts.

Onboarded Karnataka Housing Board (KHB) for their rental collections and Karnataka State Beverages Corporations Ltd (KSBCL) for collections of payments from their retailers.

Live on Karnataka Public Procurement Portal (e-BG) and on RBI's Digital Rupee pilot.

Working towards 'one-stop' digital solution for all statutory payments.

205 Sales Officers and 149 Feet on Ground present for covering key markets and target segments.

205 Sales Officers and 149 Feet on Ground

15 Regional Offices resourced and empowered to handle small ticket loans, decentralized into 42 Clusters with Cluster Heads.

15 Regional Offices, 42 Clusters

Bank has onboarded 201 Business correspondents (BCs).

201 Business correspondents (BCs)

Partnerships focused to expand Home, Car, Gold, Retail and Agri loan book.

The bank has established 15 Retail Loan Processing and Sanctioning Centers (RLPSCs).

15 Retail Loan Processing and Sanctioning Centers (RLPSCs)

Deployed 83 AFOs as part of hunting teams at branches & clusters to source quality agri proposals.

83 AFOs

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

Live with CRM: Integration of customer data and interactions across Marketing and Sales department to enhance customer engagement and improve business productivity.

Developer portal featuring over 800+ APIs with upgraded infrastructure.

800+ APIs

KBL Mobile Plus has been upgraded to best-in-class UI/UX to serve next-gen customers.

Cloud Data Platform for ACoE with Four Modules from OFSAA (including fund transfer and profitability module) under implementation, providing a scalable and configurable platform for business account.

Deploying outbound sales teams and 'Feet on the Street' personnel for growing business.

205 Sales Officers and 149 Feet on Ground present for covering key markets and target segments

Decentralizing small ticket loans and empowering regional offices, organized into clusters with Cluster Heads, to create a more sales-centric organisation with better control and oversight.

15 Regional Offices resourced and empowered to handle small ticket loans, decentralized into 42 Clusters with Cluster Heads

Strengthening the portfolio through business correspondent partnerships.

Bank has onboarded 201 Business correspondents (BCs)

Forming sector-focused tie-ups to expand retail reach.

Partnerships focused to expand Home, Car, Gold, Retail and Agri loan book

Scaling up Retail Loan Processing Hubs.

The bank has established 15 Retail Loan Processing and Sanctioning Centers (RLPSCs)

Deploying AFOs as part of hunting teams to source quality agri proposals to further grow the Agri loan book.

Deployed 83 AFOs as part of hunting teams at branches & clusters to source quality agri proposals

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

Implementing CRM for integration of customer data and interactions across Marketing and Sales departments to enhance customer engagement and improve business productivity.

Live with CRM: Integration of customer data and interactions across Marketing and Sales department

Launching a developer portal with over 800+ APIs and upgraded infrastructure.

over 800+ APIs with upgraded infrastructure

Upgrading KBL Mobile Plus with best-in-class UI/UX to serve next-gen customers.

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

Implementing a Cloud Data Platform for ACoE, including fund transfer and profitability modules, as a scalable and configurable platform for business accounts.

Four Modules from OFSAA including fund transfer and profitability module under implementation

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

The bank has successfully gone live with its Supply Chain Finance platform.

Revamp of credit policies across key loan products and launching/revamping of products to cater to evolving customer needs.

Revamp of Credit policy across key products viz., Housing, Mortgage, Lease N Cash, Gold & MSME Loans

The bank is focusing on enhancing asset quality to lower the Net Non-Performing Asset (NNPA) ratio.

NNPA: 1% - 1.2%

Maintaining a stable source of funding by targeting a specific range for the CASA ratio.

CASA %: 30.0% - 32.0%

Targeting performance improvements to manage and optimize operating expenses as measured by the Cost to Income ratio.

Cost to Income %: 53.0% - 56.0%

Drive effective capital allocation to improve the bank's Return on Assets (ROA).

ROA %: 1.1% - 1.2%

Strategic focus on maintaining consistent interest margins through the business cycle.

NIM %: 3% - 3.3%

Focused efforts to optimize funding costs to support overall profitability.

Cost of Funds: 5.3% - 5.6%

Building a comprehensive portfolio focused on Retail, Agriculture, and MSME (RAM) sectors with new products like Supply Chain Finance and pre-approved personal loans.

Gone live with Supply Chain Finance

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

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

Embedding data and analytics into business processes through a scalable cloud repository and the '360day PitStop' analytics factory.

11+ Dashboards, 40+ Business and Predictive models live

Strengthening capabilities to leverage government business opportunities by serving as an agency bank for direct tax, GST, and customs collections.

Empaneled as 'Agency Bank’ for Direct Tax, Goods & Service Tax(GST) and Customs Duty Collection.

Rebuilding outward-facing and business-centric teams by deploying an outbound sales force and establishing dedicated Retail Loan Processing and Sanctioning Centers.

229 Sales Officers and 115 Feet on Ground

The bank maintains a strong geographical presence across all tiers including Metro, Urban, Semi Urban, and Rural areas, with a significant concentration in Karnataka.

960 Branches

Rebuilding outward-facing teams by deploying an outbound sales team and "Feet on the Street" to drive business growth.

229 Sales Officers and 115 Feet on Ground

Creating a more sales-centric organization by decentralizing into regional offices and clusters to handle small ticket loans.

15 Regional Offices resourced and empowered to handle small ticket loans, decentralized into 42 Clusters

Onboarding business correspondent (BC) partnerships to strengthen the bank's lending portfolio.

Bank has onboarded 201 Business correspondents (BCs)

Scaling up of specialized centers to enhance retail and agriculture loan processing and sourcing.

15 Retail Loan Processing and Sanctioning Centers (RLPSCs)

Establishment of a Technology, Digital & Product Hub in Bengaluru integrating technology, digital, and analytics.

40,000 sq. ft. super built-up area

Deploying a developer portal and upgrading infrastructure to support a high volume of API integrations.

over 570+ APIs

Upgrading the KBL Mobile Plus application with improved UI/UX design to cater to next-generation customers.

Implementation of a Cloud Data Platform for Analytical Center of Excellence (ACoE) and integrated financial software modules.

Four Modules from OFSAA

Collaborating with FinTechs to drive digital banking scale-up and increase product penetration through analytics-enabled cross-selling.

Focus on granular advances growth and reduction in the IBPC portfolio.

reduction in the IBPC portfolio by Rs. 1,455 crores in Q2FY26.

Increased collection efforts for the Standard Restructured portfolio.

recovering around Rs.33 crore post quarter end.

Bank has been onboarded on ONDC rails to offer Personal Loan product and CBDC for transactions.

Increasing digital footprint through additional mobile application downloads.

0.45 lakh+ additional mobile application downloads during Q2 FY2O26

Expanding debit card network.

22,000+ new debit cards added to KBL's network during Q2 FY2O26

Launching and revamping products and services to cater to the ever-evolving needs of customers.

Revamping credit policy across key products including Housing, Mortgage, Lease N Cash, Gold & MSME Loans.

Maintaining a stable source of funding by targeting a CASA ratio of 30.0% to 32.0%.

CASA %: 30.0% – 32.0%

Enhancing asset quality with a target to maintain Net Non-Performing Assets (NNPA) between 1% and 1.2%.

NNPA: 1% – 1.2%

Managing operating expenses to achieve a target cost-to-income ratio of 53.0% to 56.0%.

Cost to Income %: 53.0% – 56.0%

Improving capital allocation effectiveness to target a Return on Assets (ROA) of 1.1% to 1.2%.

ROA %: 1.1% – 1.2%

Promoting gender diversity within the workforce through focused recruitment.

Growth in Female employment in the Bank by around 6% during H1FY26

Strengthening collection efforts to drive post-quarter recoveries.

recovering around Rs.33 crore post quarter end

Maintaining consistent interest margins through strategic pricing and portfolio mix.

NIM %: 3% – 3.3%

Optimizing funding costs through better deposit mix management.

Cost of Funds: 5.3% – 5.6%

Building a comprehensive portfolio focused on RAM (Retail, Agriculture, and MSME) sectors with a pipeline including Gold Loan renewal modules and Supply Chain Finance.

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.

Embedding data and analytics into business processes using the '360day PitStop' analytics factory for data-driven decision-making in loan propensity and collection prioritisation.

11+ Dashboards, 40+ Business and Predictive models live

Expanding capabilities in the Government Business sector through empanelment as an 'Agency Bank' and integrating with state-level treasuries and the EPFO platform.

Rebuilding a performance-driven culture by inducting specialized outbound sales teams and expanding reach through Business Correspondent partnerships and Retail Loan Processing Hubs.

Inducted 300 Sales Officers and 132 Feet on Ground; onboarded 199 Business correspondents (BCs)

Inducting dedicated sales teams including Sales Officers and 'Feet on Ground' to drive growth in liabilities and expand the home loan book.

Inducted 300 Sales Officers and 132 Feet on Ground

Decentralizing regional offices into clusters to enhance sales-centric oversight and handle small-ticket loan processing.

15 Regional Offices... decentralized into 42 Clusters

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)

Expanding the bank's reach and portfolio through the onboarding of new business correspondents.

Bank has onboarded 199 Business correspondents (BCs)

Establishing a Technology, Digital & Product Hub in Bengaluru to integrate technology, digital solutions, and analytics.

300+ skilled employees

Promoting an open banking ecosystem through a developer portal and improving mobile banking accessibility.

Developer portal featuring over 570+ APIs

Launched liability DIY platform for Savings Account opening and reactivation of dormant accounts.

Onboarding on ONDC rails to offer Personal Loan products, becoming the first bank to do so.

Launch of KBL Asha Nivas Loan for financing construction or purchase of houses for EWS and middle-income families under the PMAY-U 2.0 scheme.

Addition of mortgage products to the Retail Asset Centre (RAC) model to enhance retail lending focus.

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

Revamp of credit policies across key product lines including Housing, Mortgage, Lease N Cash, Gold, and MSME loans.

Targeted performance improvement across core financial metrics like NIM, ROA, and CASA to enhance stakeholder value.

Targets: NIM 3% - 3.3%, ROA 1.1% - 1.2%, and CASA 30.0% - 32.0%

Development of a comprehensive RAM (Retail, Agriculture, and MSME) focused product suite including new pipeline offerings.

Pipeline includes Supply Chain Finance and Surrogate Based lending

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

Focus on recovering and upgrading accounts within the standard restructured portfolio.

Approximately 54% of restructured portfolio requires a 30% recovery for upgradation

Intensifying collections specifically targeting SMA2 accounts to improve credit metrics.

Recovering ~₹195 crore post quarter-end through intensified SMA2 collections

Developing a comprehensive portfolio focused on the 'RAM' sectors (Retail, Agriculture, and MSME) with a pipeline including EMI-based gold loans and KBL Saathi for SHG/JLG loans.

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

Implementing a '360day PitStop' analytics factory with business dashboards and over 40 predictive models to drive precision in collections and retail lending.

11+ Dashboards, 40+ Business and Predictive models live

Expanding the bank's role in government-linked services as an 'Agency Bank' for direct tax collection and treasury integrations.

Empaneled as 'Agency Bank’ for direct tax collection

Rebuilding outward-facing, business-centric teams by inducting 261 Sales Officers and 126 'Feet on Ground' to drive liability growth and home loan expansion.

Inducted 261 Sales Officers and 126 Feet on Ground

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

Emirates NBD Bank (ENBD) infused approximately INR 260 billion to acquire a 60% stake in RBL Bank, becoming a promoter of the bank.

USD 2.75 billion (~INR 260 billion) to acquire 92,91,34,820 shares of RBL Bank at a price of Rs. 280

RBL Bank aims to utilize the ENBD partnership as a scalable platform in India to offer cross-border synergies.

provides ENBD with a scalable platform in India, offering significant cross-border synergies

Integration of the three Indian branches of Emirates NBD into RBL Bank's network, which is currently pending final regulatory approvals.

Amalgamation of the three branches of ENBD operating in India into RBL Bank is awaiting final approvals

Adopting a Coal Policy to cap financing in coal-based thermal power generation and a voluntary plan to achieve Carbon Neutrality within own operations.

reduce to net zero by FY 2034

Implementing strategic initiatives to increase the representation of women in the bank's total workforce.

24.7% as on 30th June 2026 with a target to reach 30% by 2027

Conducting digital financial literacy programs through Business Correspondents to create awareness on savings, budgeting, and safety, specifically for rural women.

100% of the beneficiaries under this program are women

Executing 'Project Dhanvanthari' to provide healthcare and eye care access to underprivileged communities.

touched & facilitated changing lives for better for 1,00,000 beneficiaries

Defining exposure thresholds for high carbon emitting industries and factoring borrower vulnerability to climate-related risks into Credit Approval Memos.

revised RBI direction effective from 1st July 2026

Policy stipulation for managing Bank's own E&S footprint, and impact of lending as per IFC Performance Standards.

The Bank has undertaken an independent Business Responsibility and Sustainability Report (BRSR) Core Assurance beginning FY 2025–26 reinforcing its commitment to transparent and credible ESG disclosures.

Thresholds are defined to contain exposure to “high carbon emitting” industries (wef July 2023). Additionally, the borrower's vulnerability to climate-related physical risks factored into the Credit Approval Memo (CAM) in line with the revised RBI direction effective from 1st July 2026.

Voluntary target and plan to achieve Carbon Neutrality (within own operations) by adopting Coal Policy to cap financing in coal based thermal power generation to reduce to net zero by FY 2034.

Bank conducts digital financial literacy programs through Biz. Correspondents. The program creates awareness on savings, budgeting, safety, responsible borrowings etc.

100% of the beneficiaries under this program are women, residing mainly in rural locations

Strong micro banking portfolio aimed at hitherto unbanked women.

Financial literacy activities to empower women with financial knowledge.

Funding Sustainable Agricultural Practices and Business.

Bank has funded overall 6 projects in FY25-26 across 3 thematic areas, namely Health, Education and Livelihoods Opportunities (H.E.LO. acronym). The Project “Dhanvanthari”, driving health by enabling access to health & eye care to underprivileged communities.

touched & facilitated changing lives for better for 1,00,000 beneficiaries

Onboarded Airpay, enhancing e-com acquiring and transaction scale.

Expanded UPI partnerships with Open Financials, GVP infotech and MobiKwik, strengthening digital payments reach.

Established partnerships with Comera Pay and Ark Ventures for RDA-based remittances, creating a scalable transactions and fee-income opportunity for the Bank.

Onboarded NIYO in GIFT City to offer USD e-wallet solutions for Indian students, expanding the Bank's international banking proposition.

Enabled Fx settlements services for NIUM, positioning the Bank as a strategic settlement partner in the Cross-Border ecosystem.

Onboarded 4 new eNACH mandates, strengthening automated repayments and improving collection efficiency for lending partners.

Live as Sponsor Bank for ABPS services, to process DBT payments on behalf of Central & State Govt. Departments.

Enabled Multi – Currency settlements allowing merchants to receive settlements directly in non - INR currencies.

Enabled non-funded Bene Validation API.

Enabled Transaction limiting for collection volume and value.

Additional layer of validation (Maker Checker API) added for Open Banking transaction through CIB.

Received RBI approval for “Salary Payouts” under RDA Cross-Border.

Enabled facility for SEBI intermediary for collecting UPI payments by issuing @Valid handle as per SEBI guidelines.

Enablement of OTP on Email for all customers for all transactions - RIB & MyBank.

Screening of suspect mobile numbers while doing IMPS Quick Pay using mobile number - MyBank & RIB.

Enablement of digital freeze in CASA for suspect accounts – MyBank & RIB.

UKYC & CKYC Implementation in BYOD & DIY journeys.

O-block (suspicious transactions) removal through WhatsApp Banking.

Form 121 Submission Journey on WhatsApp Banking.

New Digital Collection Journey for Loan Against Securities for collection of short fall amount via R-Collect.

New Biller onboarded for Retail Asset and Agri loans on Bharat Connect (BBPS) Platform for Digital Collections.

New Digital Payment journey for Credit Cards Collections on WhatsApp Banking via R-Collect.

R-Collect Digital Payment journey integration in RazorPay payment option on RBL Bank Website.

Enablement of Internal Fund Transfer for Gift City customer - CIB.

Launch of bulk tax transaction & Dashboard - BizBank.

NRI banking solution introduced in partnership with Emirates NBD, is designed to simplify and enrich the financial journey of Global Indians, featuring Foreign Currency (FCY) Banking at GIFT City, Preferential Remittance Rates, Wealth Management, and Digital NRI Banking.

Confirmation Service API – Reinventing transaction integrity and merchant security.

KAVACH - AI-powered fraud detection driving smarter risk management.

RInsights - Empowering data-driven decision-making at scale.

Large value capturing end-to-end Value chain with gamut of tailor-made solutions

Unit focused on micro-market expertise with churning to maintain sectoral caps

Strong market presence with niche product offering; liability led low credit risk and high ROA business

Amongst very few players in the space; strong relationship driven business

Deep engagement with over 50 top PE, VCs and 600+ relationships with emerging startups.

600+ relationships with emerging startups; deep engagement with over 50 top PE, VCs

Digital powered solutions provided to various state governments and co-operative banks

Uniquely placed with cutting edge capabilities across remittances, merchant acq, UPI, LRS

Structured Working Capital Solutions across the Client Value Chain

Adoption of a Coal Policy to cap financing in coal-based thermal power generation and a voluntary target to achieve Carbon Neutrality within own operations by FY 2034.

ESG score of 64 by SEBI-registered ERP Crisil ESG Ratings & Analytics Limited

Conducting digital financial literacy programs through Business Correspondents specifically targeting unbanked women in rural locations.

100% of the beneficiaries under this program are women in residing in rural locations

Expansion of merchant acquiring value through partnerships with active payment aggregators and product enhancements such as the launch of the Soundbox solution.

~30% YoY increase in merchant acquiring value of transactions

Integration of digital onboarding and collection tools like e-sign/e-stamp platforms and the Payer Bank Account Validation (TPV) for UPI collections.

90% of files processed through e-Sign and e-Stamp

Implementation of the 'Dhanvantari' initiative to provide healthcare and eye care services to underserved communities.

reached 1,00,000 beneficiaries

Focusing on increasing the share of small-ticket deposits (less than Rs. 3 crore) to improve the stability and quality of the deposit base.

Granular Deposits (less than Rs. 3 crore) grew by 15% YoY to Rs.61,632 crore; accounts for 51.5% of total deposits

Strategically growing the secured retail portfolio while optimizing liquidity by reducing Inter-Bank Participation Certificates (IBPC).

Secured retail advances grew 24% YoY and 1% QoQ as the Bank reduced IBPC outstanding from Rs. 4,500 crore to Rs.1,500 crore

Continuous improvement in credit quality leading to a significant reduction in gross non-performing assets.

GNPA down 104 bps YoY at 1.88%

Increasing digital onboarding channels to drive savings accounts and term deposits registration.

>80% of SA accounts & ~65% of new Term Deposits are opened digitally in Q3 FY26

Mitigating loan portfolio risk through extensive coverage under the Credit Guarantee Fund for Micro Units (CGFMU).

80%+ Standard Advances as of Dec 25 covered by CGFMU

Engaging deeply with the startup ecosystem and financial sponsors to build startup banking relationships.

600+ relationships with emerging startups; deep engagement with over 50 top PE, VCs

Reducing dependence on asset led revenues by shifting focus towards liability NII and fee income growth.

Leveraging the bank's extensive branch network across states and UTs to scale gold loan sourcing.

Sourced through 451 Branches across 24 States & UT’s

Adopting policy stipulations for managing the bank's E&S footprint, defining climate risk thresholds to contain exposure to high-carbon emitting industries, and targeting carbon neutrality in own operations by adopting a Coal Policy to cap thermal power generation financing by FY 2034.

overall women representation in the bank is at 26% as on 31st December 2025 with a target to reach 30% by 2027

Enabling digital and DIY journeys across liability and asset portfolios, WhatsApp banking, and making GIFT City journeys (such as FD Booking and outward remittance) live on Retail Internet Banking.

~6.4K Loan applications sourced using Account aggregator (AA) support in Q3

Deploying Payments Architecture 2.0 with Open Banking as the fulcrum to deliver payment products and services across B2B and B2B2C segments via embedded services and integrated API solutions.

Expanding capabilities across digital channels, including launching Bizbank 2.0, enabling MP State Tax Payment, integrating Digi-Locker & LRS, and driving digital collections through R-Collect.

89% of MF SIPs initiated through digital platform and 88% of RD booked via digital channel

Launching new retail banking products including the Primario Multi-Wallet Prepaid Card with expense management, rebranding the Advantage Savings Account to 'Revelio', and introducing the 'Woman's First Savings Account'.

Woman's First Savings Account features 17+ free banking services and 20% discount on locker rent

Launched the Primario Multi-Wallet Card, an NCMC enabled prepaid card with expense management solutions customizable for corporate needs, tax-saving benefits, and analytical features.

Rebranded the Advantage Savings Account to 'Revelio Savings Account & Debit Card' with value-added features like zero mark-up fees, monthly interest payouts, and complimentary lounge access.

25+ free banking services

Launched 'Woman's First Savings Account' providing free banking services, attractive discounts on loans and processing fees, and locker rental discounts.

17+ free banking services

Organized the 'Har Ghar Diwali' initiative to distribute grocery kits to families in various cities in India.

distributing 15,000 kg of groceries

Executed 'UMEED', the bank's flagship CSR initiative in Uttarakhand, distributing bicycles and school kits to girl students to encourage and promote access to education.

300 bicycles and school kits were distributed

Digitizing the customer acquisition process for Savings Accounts and Term Deposits.

~80% of SA accounts & ~65% of new Term Deposits are opened digitally in Q2 FY26

Expanding Joint Liability Group (JLG) disbursals with high coverage under the Credit Guarantee Fund for Micro Units (CGFMU).

100% of disbursal covered by CGFMU in Q2_FY26

Fostering banking relationships with emerging startups and engaging deeply with top Venture Capital (VC) and Private Equity (PE) firms.

600+ relationships with emerging startups; deep engagement with over 50 top PE, VCs

Providing digitally powered banking solutions to state governments and co-operative banks, alongside building digital capabilities in remittances, merchant acquisition, UPI, and LRS.

Adopting voluntary targets to achieve Carbon Neutrality within own operations, and implementing a Coal Policy to reduce financing in coal-based thermal power generation to zero by FY 2034.

overall women representation in the bank is at 26.37% as on 30th September 2025

Launched four new UPI features at the Global Fintech Festival 2025, including OS-native Biometric Authentication, IoT Payments, UIDAI Face Authentication for UPI PIN Reset, and an SLM Chatbot.

launched 4 new UPI features

Launched the RBL Bank Humsafar Prepaid Card, integrated with National Common Mobility Card (NCMC) capabilities to enable transit and retail payments through a single card.

Introduced the Insignia Preferred Banking Business proposition, providing tailored technology-driven solutions and services customized for SMEs.

Introduced a feature on transit prepaid cards allowing customers to instantly top up cards by scanning a personalized QR code printed on the back of the card.

RBL Bank is the 1st private sector bank to launch

Implemented a simplified IMPS transaction process on Retail Internet Banking enabling direct payments to mobile numbers with a beneficiary name fetch feature.

Live on RIB

Migrated the backend database for DIY journeys in-house from Google Cloud Platform to Oracle, and integrated with the Unified Lending Interface (ULI) for Digital Land Records Services.

Launched a testimonial film series titled 'Customer First', which highlights real-life customer success stories and showcases the transformative impact of the bank's products and services.

Conducted 'Golden Years', a 51-day outreach campaign dedicated to Senior Citizens featuring micro-marketing activities, entertainment events, and sessions on cyber safety & digital banking.

Over 1,000+ micro-marketing activities across regions

Partnered with World Chess Champion D. Gukesh to generate commercial value and boost brand visibility and perception through strategic campaigns.

delivered 45M+ impressions

Received recognition for the Best Digital Transformation in Tractor Finance at the ITOTY Awards 2025, winning the award for the second consecutive year.

Organized bicycle and school kit distributions for girl students under the flagship CSR drive 'Umeed' to support rural and low-income communities.

distributed bicycles and school kits to 300 girl students from 18 different government schools

Launched 'Project Vaneekaran' in collaboration with Panvel Municipal Corporation to plant urban mini-forests, alongside 'Dhanvantri' mobile healthcare vans bringing essential medical services to 11 cities.

planted 8,000 saplings across 6,125 square metres