KFC and City Union Bank Working Capital Loan Scheme
Working capital limits from ₹5 lakh to ₹50 crore for MSMEs, including traders, run through a working capital account at City Union Bank under an arrangement with KFC.
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- Cost to apply
- Processing fee of 0.5% of the limit plus GST at sanction, then 0.25% a year plus GST on renewal
- Status
- Open
- Run by
- Kerala Financial Corporation with City Union Bank
What you get
- Working capital limit from ₹5 lakh to ₹50 crore
- No foreclosure premium except on a takeover by another bank
Who can apply
- Businesses that are already running.
- Open to businesses in manufacturing, services and trading.
- The most on offer is ₹50 crore.
- Udyam registration is needed. It is free.
- In commercial operation with a cash profit in the latest accounts, for new KFC customers
- Existing loans in the standard category
- GST registration and returns, unless not required by law
- Other overdraft, cash credit and current accounts with banks must be closed once the account is running
- KFC internal rating of at least 50%
Where to apply
In person, any KFC branch
In Kerala, KFC branch, applied for online
Worth knowing
Listed among KFC's special loan products in November 2026.
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 Seen something out of date?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.