For Micro, Small and Medium Enterprises (MSME) Loan Schemes of Kerala Bank


This loan scheme is for those whose income is directly or indirectly from the manufacturing sectors, contractors, entrepreneurs in agriculture, MSME & Tourism sectors, Hotel & Restaurant owners, Operators of equipments for land development or its owners, agricultural / building contractors & who cannot submit Income Tax Return / Form 16 / Salary Slip even though they have repayment capacity.
Purpose For any legitimate purpose only
(The facility not be allowed for Real Estate purposes/Speculative business)
Loan limit Maximum of Rs. 5 lakhs only. (Rs. 2 lakh for bus owners & small traders).
Repayment period Maximum 120 months in equated monthly installments (EMI)
Age Minimum age of 21 years and under any circumstances the repayment period should not exceed the day on which the applicant attains age of 70 years
Nature of Loan Term Loan / Working Capital
Eligibility Individuals only

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