LoC Scheme for MSMEs (KFC Line of Credit) is a loan from Kerala Financial Corporation (KFC), Government of Kerala for mSMEs with Udyam and GST registration, audited financials and at least one work order at sanction. It provides Up to ₹50 Cr. Applications are currently open.
Key facts
| Amount / benefit | Up to ₹50 Cr |
|---|---|
| Provider | Kerala Financial Corporation (KFC), Government of Kerala |
| Where | Kerala |
| Stage | Early Revenue, Growth, Scale |
| Deadline | Applications open |
What is LoC Scheme for MSMEs?
LoC Scheme for MSMEs (KFC Line of Credit) — Line of credit up to ₹50 crore, valid 5 years (annual renewal) — MSMEs with Udyam and GST registration, audited financials and at least one work order at sanction; internal credit rating of at least 40%. It is run by Kerala Financial Corporation (KFC), Government of Kerala.
This is credit — repayable finance, usually on more concessional terms than a regular commercial loan. The amount and form of support that actually apply to you depend on the programme’s rules and how your application is assessed — they are not fixed for every applicant.
Like most government programmes, it has its own eligibility conditions, documentation and application window, and these terms are revised from time to time. Because of that, it is worth confirming the current eligibility, amount and deadline on the official programme page before you invest time in applying.
Who is eligible for LoC Scheme for MSMEs?
MSMEs with Udyam and GST registration, audited financials and at least one work order at sanction; internal credit rating of at least 40%. Not for: Units without a work order at sanction or below 40% internal rating..
How much does LoC Scheme for MSMEs give, and in what form?
Up to ₹50 Cr.
Frequently asked questions
What kind of support is this?
This is credit — repayable finance, usually on more concessional terms than a regular commercial loan.
Who runs this programme?
LoC Scheme for MSMEs (KFC Line of Credit) is offered by Kerala Financial Corporation (KFC), Government of Kerala. Eligibility and approval rest with them; the criteria and amounts are set by the programme.
Is there a deadline to apply?
Programmes like this can be rolling or time-bound. Confirm the current window on the official programme page before you apply.
How do I know if I’m eligible?
Read “Who can apply” above for the programme’s own criteria. If you’d like a quick read on your specific case, our free 2-minute eligibility check maps your stage, sector and revenue to what you can realistically claim.
Related programmes
Browse similar loan programmes. See all kerala startup and msme schemes. CapEasy handles this under Working-capital loan advisory.
Source and verification
No official page is linked for this programme yet. Verification date pending. Government programmes change — confirm current eligibility, amounts and deadlines on the official programme page before you apply. CapEasy is a private consultancy and is not affiliated with any government authority.