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Major Loan Products More Products

Term Loan For Industrial Activities

Term Loan For Industrial Activities

  • New and Existing Enterprises
  • Should be prompt in servicing existing liabilities
  • Moratorium up to 2 years
Working Capital Loans

Working Capital Loans

  • The upper limit is up to Rs.5 crore
  • Should obtain a minimum credit rating of 40%
  • Moratorium up to 12 months.
Financing Construction Activities And Housing Projects

Financing Construction Activities And Housing Projects

  • Financial assistance to builders and developers
  • Constructing flats, villas and apartments
  • Repayment Period 6 years
Short Term Loan

Short Term Loan

  • The upper limit is up to Rs. 5crore
  • Should obtain a minimum credit rating of 40%
  • Moratorium up to 6 months.
Modernisation, Upgradation, Expansion and Diversification

Modernisation, Upgradation, Expansion and Diversification

  • Loan up to 90% of expansion cost.
  • Existing Industrial Units, Hotels, Hospitals, etc
  • Moratorium period up to 24 months

Contractor Loan

  • Loans for Government & Corporate Contractors and MSMEs
  • Sanctioned as Line of Credit for five years
  • Bill Discounting of Part/Final Bills

Special Loan Products

Chief Minister’s Entrepreneurship Development Programme (CMEDP) Edition II

  • The upper limit is up to Rs. 2 crores
  • Interest Rate 5% (The Govt will bear 3% interest subvention and KFC will bear 2%)

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Startup Kerala - Comprehensive Scheme by KFC for Financing Startups

  • To assist Start-ups in all stages of their growth starting from proof of concept, prototype development, product trials, etc.

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LoC Scheme for MSMEs

  • For providing guarantees & financial assistance to MSME units in terms of executing the work orders, discounting ...
  • Upper loan limit - Rs. 50 crore

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KFC Agro-based MSME Loan Scheme (KAMs)

  • Aims to assist a minimum of 400 Agro-based MSMEs every year.
  • Special loan scheme for MSMEs in Agriculture Sector

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KFC CUB Arrangement

  • Advances as Working Capital (WC) facilities
  • Minimum Loan amount shall be 5 lakh

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Scheme for Assisting Traditional Fisherman

  • Scheme for assisting Traditional Fishermen of Kerala to procure Mechanized Deep Sea Fishing Vessels (DSFV).

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Letter of Guarantee Scheme

  • To offer Bank Guarantee (BG) for units assisted by the Corporation

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Not Eligible Units

  • Bar Hotels
  • Transport
  • Crusher
  • Trading
  • CRE Projects
  • Contractor Loan
  • Cinema / Serial Production

Eligibility of Promoters

Application Procedure

  • Online enquiry submission
  • Document submission
  • Branch verification
  • Training
  • Sanction & Disbursement

Startup Loans

Loan for executing
purchase orders

  • Should have secured a firm purchase order from a Government / PSU / Reputed Private Sector Enterprise
  • Maximum Loan Rs. 10 crore

Venture Debt Funding

  • For IT Hardware and Software Enterprises
  • Should have undergone due diligence by a SEBI accredited Venture capital Fund
  • Maximum Loan Rs. 10 crore

Seed Loan Assistance

  • Should be working on development of socially relevant product which addresses any of the Sustainable Development Goals prescribed by UNO
  • Loan up to Rs. 1 crore
  • Repayment period up to 3 years

Loan for productization /commersialisation / scaling up

  • Productization- 25 Lakhs
  • Commercilisation 50 Lakhs
  • Scaling up- 100 Lakhs

Other Products


  • Performance Guarantee / Additional Performance Guarantee
  • Letter of Guarantee to MSMEs
  • Guarantee for availing Letter of Credit from Banks


  • Solvency Certificate
  • Capability Certificate

Insurance Products

  • Life Insurance
  • General and Health Insurance

Consultancy Services

  • Project Reports
  • Land and Technical Valuation
  • Title Scrutiny
  • Verification of Suppliers and Promoters

Financial Corporation (KFC) incorporated under the State Financial Corporations Act of 1951.

The Kerala Financial Corporation (KFC) was established by the State Financial Corporations Act of 1951, passed by the Kerala Legislative Assembly, to accelerate the industrial growth of the state of Kerala. The corporation was formally founded as the Travancore Cochin Financial Corporation on 1st December 1953 and was later renamed Kerala Financial Corporation in 1956 following the state's reorganization.

KFC now has 21 branch offices with its headquarters in Thiruvananthapuram. 99.005% of the shares of the Corporation are owned by the Government of Kerala. The main objective of the Corporation is to boost industrial growth in the state by strengthening the MSME industrial sector. The Corporation has sanctioned loans to around 65,000 enterprises to date. The Kerala Financial Corporation is also recognized as one of the best-performing state financial institutions in India

Your Benefits

We Provide

  • Loans up to Rs.50 crore
  • Interest Rates starting at 9% pa
  • Moratorium Period up to 3 years
  • Repayment Period up to 10 years
  • Transparent Procedures and No hidden charges
  • In-principal clearance for loan sanction within 7 days

Our Product Range

  • Term Loans
  • Start-up Loans
  • Short Term Loans
  • Contractor Loans
  • Working Capital Loans
  • Revolving Fund Loans
  • Bill Discounting
  • Guarantees
  • Solvency Certificates
  • Consultancy Services

Our Major Loan Schemes

  • Loans for MSMEs
  • Loans for Tourism Sector
  • Infrastructure Development Loans
  • Loans to Government Contractors
  • Loans for Modernization of Existing Industrial Units

Instant Processing

  • CMEDP - Chief Ministers Entrepreneurship Development Programme
  • Startup Kerala - Comprehensive Scheme for Financing Startups
  • KAMS - KFC Agro-based MSME Loan Scheme
  • Scheme for procuring Mechanized Deep Sea Fishing Vessels
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Our Vision

To emerge as the 'Best Performing Financial Institution’ by creating an integrated development support for the industrialization of the State of Kerala with a special focus on MSME.


Our Latest Blog And Latest News

Send-off to Shri.EK Harikumar and Shri.Anil Kumar Parameswaran Directors, arranged on 15.09.2023 at Head Office

Hon. Finance Minister inaugurates new Asset Recovery Branch at Kozhikode on 14.10.2023

Hon Finance Minister inaugurates the function 'Opening new Branches and honouring KFC supported entrepreneurs' at Kozhikode on 14.10.2023

ED KFC receives Hues of Life best loan provider for Food Industry from Smt. J. Chinchurani Hon Minister for Animal Husbandry and Dairy Development in a function held on 18.10.23 at Thiruvanathapuram.

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