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  Securities Acceptable
  Interest Rates at a glance
 W e l c o m e   t o   K S F E ...........Govt. of Kerala Owned Miscellaneous Non-Banking Company

Flexy Trade Loan

Flexy Trade Loan is intended to provide financial assistance to small traders/businessmen for supplementing their working capital requirements with over draft facility. Ongoing concerns such as Individuals, Partnership firms, Companies, Hindu Undivided Family, Association of persons, Body of Individuals, Trust and Registered Co-operative Societies with taxable income of Rs.1,00,000/- minimum for the past three years having KGST registration, CST registration wherever required and requisite licence from the Local Body are eligible for loan. Loan will not be available for Vegetables and fruit Traders Cold Storages, Hotels, Cinema Theatres, Flower Merchants and for those dealing in perishable and decaying items.

The trader/business man should not have any overdraft/credit facility with banks/other financial institutions.

Limit of Advance

The amount of Over Draft is limited to Rs.10 lakhs or 20% of the previous years turnover (sales) whichever is less.

Rate of Interest

13.00% (Diminishing) on product basis with quarterly rest

Repayment Period

The over draft facility will be available for an initial period of 24 months from the date of sanction. At the end of the initial period of two years if the OD facility has been cleared or the account shows a credit balance and if interest has been remitted as and when due it can be renewed


The stock in trade and cash in the shop will be the primary security for the loan and the same should be hypothecated to the Company. Landed property, Fixed Deposit, Other Financial Documents and Gold Ornaments can be accepted as collateral security.

Processing fee

0.2% of the advance amount applied for subject to a minimum of Rs.250/- which is refundable if the loan is not availed.

Repayment of loan

Loanee is free to make any remittance to this over draft account. There is no fixed date or fixed repayment instalment.


To avail this facility, please check our branch list and get in touch with the branch
which is most convenient for you.

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