LoanDepartment of Industries and Commerce, Government of KeralaVerified 22 May 2026

Kerala State Industrial Development Corporation — MSME Term Loan

This scheme offers term loans between ₹100 lakhs to ₹60 crore for MSMEs in Kerala, supporting establishment, expansion, and modernization in the manufacturing and service sectors. Loans feature interest rates of 8.50%–10.50% with terms up to 10 years.

Maximum amount
₹60.0Cr
Typical payout
₹3.0Cr
Processing time
2–6 weeks
Application window
Open year-round

Check if your startup qualifies for Kerala State Industrial Development Corporation — MSME Term Loan

Answer a few questions about your company and get a free, personalised eligibility report across all active government schemes — including KSIDC Loan.

Check eligibility — free

Eligibility criteria

Company type
Private Limited, LLP, Proprietorship, Partnership Firm
Stage
Idea Stage, Pre-Revenue, Early Stage (Revenue < ₹1Cr), Growth Stage (₹1Cr–₹25Cr)
States
Kerala
Sectors
manufacturing, food_processing, textile, chemicals, agritech, services, other
Prerequisites
  • Udyam (MSME) registration required

Documents required

1
Udyam Registration Certificate
Confirms valid MSME classification.
Tip: Ensure the certificate reflects the latest business registration status under MSME.
2
Detailed Project Report (DPR)
Profiles market viability, technical configurations, and cost structures.
Tip: Include detailed financial projections and market analysis.
3
KYC Records
Includes PAN, Aadhaar, and passports of all primary promoters, directors, or partners.
Tip: Ensure all documents are current and accurately match personal details.
4
KYC Records
Includes PAN, Aadhaar, and passports of all primary promoters, directors, or partners.
Tip: Ensure all documents are current and accurately match personal details.
5
Incorporation paperwork
Includes registered Partnership Deeds, LLP Agreements, or MoA/AoA with Certificate of Incorporation.
Tip: Ensure all documents are properly registered with the appropriate authorities.
6
Audited Financial Statements
Consists of Balance Sheets and P&L Statements for the trailing 3 fiscal years (for existing units).
Tip: Have a CA review these documents to ensure accuracy and compliance.
7
Bank Statements
Showcases transaction velocity for the consecutive past 6 to 12 months.
Tip: Obtain detailed statements directly from the bank for accuracy.
8
Tax filings
Includes Income Tax Returns (ITR) and clear GST returns.
Tip: Ensure returns are filed timely and reflect accurate financial data.
9
Land ownership details or leasehold agreements
For the operational factory or office site.
Tip: Keep clear, up-to-date records of property titles or lease agreements.
10
Sanction letters
Outlines any existing bank debt profiles.
Tip: Gather all existing loan documentation for reference.
11
Building construction approvals, environmental clearances, power allocation receipts
Necessary regulatory documents for construction and operation.
Tip: Check with local authorities for any missing clearance documents.
12
Proforma invoices
Detailing machinery acquisitions or structural engineering estimates.
Tip: Verify vendors' credibility and estimate accuracy.
13
Collateral asset valuations and clean title deeds
For secondary properties pledged.
Tip: Maintain clear valuation reports from certified professionals.

How to apply for KSIDC Loan

1
Register and log in to the KSIDC Digital Applications Portal to set up corporate credentials.Open portal
2
Download specific forms via KSIDC Loan Schemes Profile to match sub-schemes.Open portal
3
Obtain regulatory approvals via KSWIFT Single Window Portal.Open portal
4
Submit primary application alongside the mandatory document checklist via your account dashboard.Open portal
5
Connect with a desk officer for high-value applications and technical reviews.Open portal

Frequently asked questions

Who is eligible for KSIDC Loan?

KSIDC Loan is available to Private Limited, LLP, Proprietorship, Partnership Firm companies at the Idea Stage, Pre-Revenue, Early Stage (Revenue < ₹1Cr), Growth Stage (₹1Cr–₹25Cr) stage, across Kerala. Udyam (MSME) registration is required.

How much funding does KSIDC Loan provide?

KSIDC Loan provides up to ₹60.0Cr. Most applicants receive around ₹3.0Cr.

How long does KSIDC Loan approval take?

The typical processing time from submission to disbursement is 2–6 weeks.

Is KSIDC Loan currently accepting applications?

Yes, KSIDC Loan is currently active and accepting applications. Application window: Open year-round.

Do I need Udyam registration for KSIDC Loan?

Yes, Udyam (MSME) registration is required. Register at udyamregistration.gov.in before applying.

Ready to apply for Kerala State Industrial Development Corporation — MSME Term Loan?

Find out in minutes if you meet the eligibility criteria — and discover every other government scheme your startup qualifies for, at no cost.

Check eligibility — free

Information is based on publicly available scheme guidelines. Last verified 22 May 2026. Always verify with official sources before applying.