KFC Line of Credit Scheme for MSMEs
A five year credit line of up to ₹50 crore for MSMEs with work orders, covering performance guarantees, work execution finance, bill discounting including government bills, and equipment finance.
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- Cost to apply
- Processing fee of 0.5% of the sanctioned limit plus GST (minimum ₹10,000, maximum ₹25 lakh) and an upfront fee of 0.1% plus GST, up to ₹50,000
- Status
- Open
- Run by
- Kerala Financial Corporation
What you get
- Performance guarantees, work execution finance, early bill discounting, government bill discounting and equipment finance under one limit
- Limit up to ₹50 crore, valid 5 years with yearly renewal
Who can apply
- Businesses that are already running.
- Micro, small and medium enterprises.
- The most on offer is ₹50 crore.
- Udyam registration is needed. It is free.
- At least one work order in hand when the line is sanctioned
- GST registration, unless not required by law
- Latest audited accounts, or IT returns and CA certified accounts for turnover up to ₹200 lakh under presumptive tax
- Suppliers to public sector units or companies in Kerala can also apply after due diligence
- 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.
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 Seen something out of date?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.