KB Suvidha MSME Loan KB Suvidha
A small Kerala Bank loan for individuals who earn a living from manufacturing, contracting, farm-linked enterprise, tourism, hotels and restaurants, or owning land development machinery, even if they cannot show income tax returns or salary slips.
Last updated on
- Status
- Open
- Run by
- Kerala State Co-operative Bank (Kerala Bank)
What you get
- Up to ₹5 lakh, or up to ₹2 lakh for bus owners and small traders
- Term loan or working capital
- Repayment over up to 120 months in monthly instalments
- Income tax returns, Form 16 or salary slips are not essential if the borrower can show the ability to repay
Who can apply
- Businesses that are already running.
- Open to businesses in manufacturing, services, trading, farming, fisheries and livestock and tourism.
- Age 21 or over.
- The most on offer is ₹5 lakh.
- Individuals only
- For any genuine purpose, but not real estate or speculative business
- Minimum age 21
- The loan must be fully repaid before the borrower turns 70
How to apply
- Download the KB Suvidha MSME Loan application form from the Kerala Bank forms page
- Take it to your nearest Kerala Bank branch
In person, nearest Kerala Bank branch
In Kerala, any Kerala Bank branch. The bank says it has 823 branches across all 14 districts.
Figures you may see elsewhere
The Kerala Bank home page lists Suvidha as up to ₹20 lakh per person for micro and small entrepreneurs, while the KB Suvidha product page says up to ₹5 lakh. This record follows the product page.
The 2025 Kerala Bank MSME brochure (https://kerala.bank.in/uploads/digitalbrochure/1764565265-a4msme.pdf) lists KB Suvidha (MSME) as up to ₹40 lakh. Confirm the current limit at the branch.
Where we found this
An independent guide by The Company of Four, not a government website. Schemes change often, so check every detail on the official website before you apply. Links marked ↗ open external websites that we do not run, and we are not responsible for their content. Seen something out of date? Tell us and we will look into it.