KFC Agro-based MSME Loan Scheme KAMS
KFC term and working capital loans for agro, food processing, dairy, cold storage and other agri based MSMEs, with the state paying 3% of the interest so the effective rate starts from 6%.
Last updated on
- Cost to apply
- Not stated on the scheme page
- Status
- Open
- Run by
- Kerala Financial Corporation
What you get
- State interest subvention of 3% on loans up to ₹10 crore, plus a 2% KFC rebate for prompt repayment
- Net effective rate of 6% in the first year
- Moratorium of up to 2 years and repayment up to 10 years, with the subsidy for the first 5 years
Who can apply
- Open to businesses in farming, fisheries and livestock, food processing and trading.
- Micro, small and medium enterprises.
- Udyam registration is needed. It is free.
- Agro, dairy and animal husbandry units, agro start-ups, food processing, warehouses and cold storage, agri infrastructure, and units processing, marketing or trading agro products
- Promoter puts in at least 10%
- KFC internal credit rating of at least 40%
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. The scheme aims to help at least 400 agro MSMEs a year.
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 Seen something out of date?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.