Kerala Financial Corporation (KFC)
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Overview
Tagline Brand's website · 2026-11-07
Kerala Financial Corporation (KFC) is a state financial institution providing loans, guarantees, consultancy, training, and related financial services to support MSMEs, startups, entrepreneurs, contractors, and industrial development across Kerala.
Description Brand's website · 2026-11-07
Kerala Financial Corporation is described as Kerala’s premier financial institution and a “Financial Supermarket” for entrepreneurs. It provides tailored funding and business support, with a loan portfolio exceeding Rs 8,000 crore, an AA credit rating, and 99% ownership by the Government of Kerala.
Identity
Mission Brand's website · 2026-11-07
To strengthen MSMEs, accelerate industrial development, support entrepreneurship, and promote sustainable business growth across Kerala through financial assistance and development services.
Website Brand's website · 2026-11-07
https://kfc.org
Voice & tone Brand's website · 2026-11-07
Professional, supportive, transparent, and growth-oriented.
Founded Brand's website · 2026-11-07
1953
Parent ownership Brand's website · 2026-11-07
99% owned by the Government of Kerala.
Offerings
Problem solved Brand's website · 2026-11-07
Provides accessible capital, financial assistance, guarantees, working capital, and expert support to help businesses start, modernize, expand, diversify, execute contracts, and sustain operations.
Core capabilities Brand's website · 2026-11-07
- Term loans and short-term loans
- Working capital and revolving fund loans
- Startup, MSME, tourism, agro-processing, infrastructure, and contractor financing
- Loan guarantees, letters of guarantee, and solvency certificates
- Bill discounting
- Consultancy services
- Business and organizational training
- Corporate insurance agency services
Products / SKUs Brand's website · 2026-11-07
- KFC Agro-based MSME Loan Scheme (KAMs)
- LoC Scheme for MSMEs
- Contractor Loan Schemes
- Modernisation, Upgradation, Expansion and Diversification loans
- Startup Kerala comprehensive financing scheme
- Chief Minister’s Entrepreneurship Development Programme (CMEDP) Edition III
- Letter of Guarantee Scheme
- KFC–CUB Working Capital Loan Scheme
Pricing Brand's website · 2026-11-07
Interest rates are advertised as starting from 6% for eligible MSME schemes. Startup Kerala rates start from 6.6%. Loans are available up to Rs 100 crore, with repayment terms of up to 10 years; specific schemes have different limits and terms.
Audience
Target industry Brand's website · 2026-11-07
Financial services and industrial development, with a focus on MSMEs, startups, tourism, agro-processing, infrastructure, government contracting, and fisheries.
Customer base Brand's website · 2026-11-07
MSMEs, startups, entrepreneurs, agro-based enterprises, tourism businesses, government contractors, industrial units, infrastructure projects, and other enterprises across Kerala.
Ideal customer profile Brand's website · 2026-11-07
Kerala-based startups, MSMEs, entrepreneurs, contractors, and industrial businesses seeking loans, working capital, guarantees, modernization funding, or business development support.
Use cases Brand's website · 2026-11-07
- Financing startup productisation, commercialization, and scaling
- Funding agricultural and agro-based MSMEs
- Executing contracts and fulfilling work orders
- Discounting bills and receivables
- Acquiring machinery, equipment, vehicles, or fishing vessels
- Modernizing, upgrading, expanding, or diversifying industrial units
- Meeting working capital requirements
- Obtaining bank guarantees and letters of credit
Customer outcomes Brand's website · 2026-11-07
- Access to loans of up to Rs 100 crore
- Competitive interest rates starting from 6% for eligible schemes
- Collateral-free loans up to Rs 200 lakh for MSMEs and startups whenever possible
- Flexible repayment terms of up to 10 years
- Moratorium periods of up to 3 years on applicable financing
- In-principle loan clearance within 7 days
- Transparent procedures with no hidden charges
- Financial support for enterprise expansion and industrial growth
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Claim Kerala Financial Corporation (KFC) — free →Page last updated 2026-11-07.