Explore our range of specialized loan schemes designed to empower startups, MSMEs, entrepreneurs, and traditional sectors with accessible financing and strategic financial assistance.
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Kerala Financial Corporation (KFC) is the state’s premier financial institution, 99% owned by the Government of Kerala. As a “Financial Supermarket” for entrepreneurs, we provide the vital capital needed to transform visions into successful enterprises. With a robust loan portfolio exceeding Rs 8,000 Crore and an AA credit rating, we stand as the backbone of Kerala’s MSME and Startup ecosystem.
We offer tailored funding solutions with highly competitive terms:
We provide financial assistance and support that helps enterprises expand operations and strengthen the industrial sector across Kerala.
Industrial success depends on reliable financial institutions with expertise supporting business and entrepreneurship.
We foster strong relationships with enterprises, providing continuous financial support to drive long-term industrial and business growth.
Kerala Financial Corporation’s Consultancy Division acts as a comprehensive solutions partner for businesses, institutions, and organizations seeking expert guidance for growth and operational excellence.
Read MoreKerala Financial Corporation provides financial support and development assistance that helps enterprises expand operations and strengthen the industrial sector across the state.
Providing reliable financial support for enterprises.
Professional guidance for business development.
We offer financial assistance with loans up to 100 crore at competitive interest rates starting from 6% per annum. Our flexible repayment structure includes a moratorium period of up to 3 years and a repayment tenure of up to 10 years, ensuring convenience for businesses at every stage. With transparent procedures, no hidden charges, and in-principal loan clearance within 7 days, we provide fast, reliable, and customer-friendly financial support. The Corporation will support collateral-free loans up to Rs. 200 lakh for MSMEs and startups whenever possible. These loans will be backed by guarantee covers from CGTMSE, MCGS-MSME, or NCGTC’s CGSS, depending on available limits.
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We offer a comprehensive range of financial products and services designed to meet diverse business needs, including term loans, short-term loans, working capital loans, and revolving fund loans to support growth and operations. Our services include bill discounting, start-up loans, contractor loans, along with financial assistance such as guarantees and solvency certificates. In addition, we provide consultancy services to guide businesses in planning, financing, and achieving sustainable development.
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We provide specialized loan schemes to support key sectors of the economy, including MSMEs, the tourism sector, and infrastructure development projects. Our financial assistance also extends to government contractors and businesses seeking modernization of existing industrial units, helping enterprises expand, upgrade technology, and strengthen their operational capabilities for sustainable growth.
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We facilitate specialized government-backed initiatives and schemes aimed at promoting entrepreneurship and sectoral growth. These include the Chief Ministers Entrepreneurship Development Programme (CMEDP), Startup Kerala – Comprehensive Scheme for Financing Startups, KFC Agro-based MSME Loan Scheme (KAMS), and the Scheme for Procuring Mechanized Deep Sea Fishing Vessels, providing targeted financial support to startups, agro-based enterprises, and the fisheries sector.
Read MoreDownload the Kerala Financial Corporation mobile app to access financial services quickly and conveniently. Stay updated with loan services, and important announcements while managing your financial interactions with KFC anytime, anywhere.
We sincerely thank Kerala Financial Corporation (KFC) for processing our loan and disbursing funds within 11 working days. We appreciate the team’s efficiency, professionalism, and seamless support, and look forward to continuing this valued association.
KFC played an important role in my entrepreneurial journey by providing timely financial support in 1976. Today, Poovar Island Resort welcomes tourists worldwide, and we remain grateful for KFC’s contribution to our success.
We sincerely thank KFC for supporting Genrobotics from the beginning. Its financial assistance has played a vital role in our growth, expansion, and continued success. We deeply value this association and appreciate KFC’s contribution to our journey.
Our journey has grown from 7 to 50 employees, with KFC as a trusted financial partner. Its timely assistance for our business and machinery needs has supported our growth, and we look forward to its continued support in achieving our future goals.
In 2021, KFC supported my business expansion with a loan. Its competitive interest rates, simple process, and supportive approach have made my experience positive. I recommend KFC to business owners. A big salute to KFC!
Kerala Financial Corporation (KFC) is a state-owned financial institution established in 1953 to provide long-term financial assistance to Micro, Small, and Medium Enterprises (MSMEs). It supports industrial growth, entrepreneurship, and economic development across Kerala.
KFC provides financial support to eligible MSMEs, startups, entrepreneurs, manufacturers, and service-sector businesses in Kerala for new projects, business expansion, modernization, and diversification.
KFC offers long-term finance for setting up new enterprises, expanding existing businesses, purchasing machinery, modernization, diversification, and other eligible industrial and service-sector projects.
KFC is headquartered in Thiruvananthapuram and operates through 24 branch offices across Kerala, supported by zonal offices in Thiruvananthapuram, Ernakulam, and Kozhikode, ensuring statewide access to financial services.
KFC helps MSMEs by providing accessible long-term finance, encouraging entrepreneurship, supporting business growth, and promoting sustainable industrial development throughout Kerala.
KFC is one of Kerala’s most trusted development finance institutions with over seven decades of experience. It is committed to supporting businesses through reliable financial solutions while promoting responsible growth and social development through initiatives like KFC-CARE.
