• Kerala Financial Corporation

    KFC extends financial aid to the Micro, Small, and Medium Enterprises (MSMEs) in the manufacturing and services sector. Apart from offering loans in the form of term loans, working capital, and short-term finance, KFC also offers innovative schemes such as modernisation schemes such as SSIs, TV serial production, special schemes for resorts, hospitals, etc.

    Schemes Offered by the Kerala Financial Corporation

    1. Scheme for Term Loan for Industrial Activities

    To offer financial aid to new and existing enterprises to fulfill their long-term project requirements.

    2. Working Capital Revolving Fund Loan

    To offer working capital to new and existing enterprises on a revolving basis.

    3. Scheme for Financing Construction Activities & Housing Projects

    To offer financial support to enterprises who have a CIBIL score of at least 600 and are engaged in construction activities and housing projects.

    4. Short Term Loan Scheme

    To provide financial assistance to new and existing business units that are prompt in servicing their liabilities.

    5. Scheme for Special Working Capital Assistance to Hotels

    To offer short term working capital to well managed hotels.

    6. Modified Scheme for Financial Assistance to Contractors

    To offer financial support to contractors.

    7. Scheme for Financial Assistance for Producing Feature Films & TV Serials

    To extend financial aid (short-term) to fulfil costs in producing documentaries, short films, and TV serials.

    8. Vehicle Loan Scheme

    To provide loans for the purchase of commercial vehicles including two-wheelers provided the number is at least ten.

    9. Scheme for Modernisation, Upgradation, Expansion and Diversification of Existing Manufacturing Units/Hotel

    To offer financial support to existing enterprises to upgrade, modernise, expand, and diversify their business units.

    10. Special Revolving Fund Scheme for Existing Customers

    To fulfill the urgent credit needs of the existing customers of the corporation.

    11. Receivable Finance Scheme

    To reduce the cash flow burden of MSME units through the discounting of bills for a maximum period of 180 days.

    12. Liberalised Scheme for Financing up to Rs 100 lakhs to Units under KSEDM

    To fund the scaling/expansion of enterprises established under KSEDM to fulfil their requirements for marketing, purchase of fixed assets, and other tangible and intangible expenses.

    13. Startup Support Scheme

    To extend financial assistance to startups.

    14. Scheme for Financing Working Capital Requirements of Start-ups for Executing Purchase Orders

    To fund startups to execute purchase orders from reputed firms.

    15. Scheme for Funding Venture Debt for IT Hardware & Software Enterprises

    To fund enterprises in the IT and Software sector.

    16. NDPREM Scheme (Norka Department Project for Rehabilitation of Return Emigrants)

    To offer credit based on the need of beneficiaries to establish and operate any activity related to manufacturing/service that falls under MSME.

    Special Package for Women Entrepreneur

    Besides the above-given schemes, KFC also extends special scheme to the women entrepreneurs in Kerala. Under this scheme, enterprises that are owned and managed by women entrepreneur/entrepreneurs are eligible to avail the loan. Interested women borrowers can contact the nearest branch of KFC for more information on the scheme.

    Branch Offices of Kerala Finance Corporation

    City/District/Town Branch Address
    Kannur Chandroth Complex, Nethaji Road, Kannur - 1
    Kasargod High Lane Plaza, MG Road, Anebagilu, Kasargod
    Wayanad 1st Floor, Trident Arcade, Panangode Road, Kalpetta, Wayanad
    Kozhikode Hotel Malabar Palace, Muthalakulam, Kozhikode - 1
    Malappuram Maliyekkal Building, Manjeri Road, Uphill, Malappuram
    Palakkad Century Complex, Matha Koil, St. Sultanpet, Palakkad - 01
    Thrissur 2nd Floor, Smart Centre, Kokala Junction, Thrissur
    Perumbavoor S.N.D.P Shopping Complex, P.P Road, Perumbavoor
    Kollam AGC Complex, Beach Road, Kollam
    Ernakulam Finance Towers, 1st Floor, Kaloor Road, Ernakulam – 682 017
    Pathanamthitta Pazhamannil Jessy Towers, 1st Floor, Near Municipal Stadium, Pathanamthitta
    Idukki Pulickal Parrakkandathil Buildings, Puliyanmala Road, Katttapanna, Idukki
    Kottayam Geetha Trade Centre, East of YWCA, MC Road, Kottayam
    Alapuzzha Kumaranasan Smaraka Mandiram, Court Road, Alapuzzha
    Thodapuzha Pulimoottil Shopping Arcade, Muvattupuzha Road, Thodupuzha

    About Kerala Financial Corporation

    The Kerala Financial Corporation (KFC) is a Public Sector Undertaking (PSU) established in 1953 for the industrialisation and development of the state of Kerala. It is headquartered in Thiruvananthapuram and has 16 branch offices with zonal offices at Ernakulam, Kozhikode, and Thiruvananthapuram.


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