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


PravasiKiran Loan is given to Non-resident Keralites who lost their job abroad in the wake of Covid-19 Pandemic. This is given for new enterpriseswhich covers its working capital and interest subsidy. The loan scheme is to provide need based credit facilities to beneficiaries identified by NORKA ROOTS under MSME and allied agricultural sector.

Loan limit

Rs. 24 Lakh for wholesale and Rs. 16 Lakh for retail business.

Repayment period

  • Term loan: Up to maximum period of 84 months.
  • Working Capital: On Demand (Subject to renewal of the limit every year)


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. (Age limit of the person whose income is being considered among the applicants is reckoned.

Nature of Facility

Term loan/Working capital or Composite

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