KFC Agro-based MSME Loan Scheme (KAMs)
The KFC Agro-based MSME Loan Scheme, KAMs, is a specialised financial support initiative implemented by Kerala Financial Corporation to assist agro-based MSMEs with accessible and affordable credit. The scheme is currently operational and aims to strengthen enterprises operating in agriculture-linked sectors by providing structured loan assistance designed for growth and expansion.
For agro-based MSMEs, challenges such as seasonal cash flow, infrastructure investment, and working capital requirements often slow business expansion. This scheme helps reduce those financial barriers by offering subsidised interest rates and dedicated sector-focused support, enabling entrepreneurs to scale operations, improve productivity, and strengthen rural industrial growth.
Key Features
- Sector-Focused Financial Assistance: The scheme is designed specifically for agro-based MSMEs, helping enterprises in agriculture-linked industries access structured financing tailored to their business needs.
- Affordable Interest Rate: Loans under the scheme are offered at a concessional annual interest rate, making financing more accessible for growth-stage businesses.
- Higher Loan Limit: Eligible enterprises can access substantial funding support, enabling expansion, modernization, and capacity enhancement.
- Targeted MSME Support: The scheme aims to support a significant number of agro-based MSMEs each year, encouraging employment generation and rural industrial development.
- Growth and Expansion Orientation: Financial support can be used to strengthen operations, improve infrastructure, and enhance production capacity.
Financial Assistance
Financial assistance details are indicative and subject to revision as per the latest scheme guidelines.
Eligibility Criteria
Who can benefit:
- Agro-based MSMEs registered and operating in eligible sectors
- Enterprises involved in manufacturing or value-added agriculture activities
- Units demonstrating viable business plans and repayment capacity
- Existing or new MSME units seeking growth-focused financing
Who cannot benefit:
- Businesses outside agro-based sectors
- Enterprises with unresolved financial or compliance issues
- Applicants unable to meet financial viability or credit requirements
- Businesses classified under restricted categories as per lending norms
Documents Required
- MSME registration certificate
- Company or enterprise incorporation documents
- Project report or business plan
- Financial statements and bank records
- Identity and address proof of promoters
- Land or asset documents, if applicable
- Compliance declarations and statutory registrations
Application process for the scheme
Option 1: Apply with Bullit (Recommended)
Start instantly with our guided application support, where our team verifies eligibility, prepares documentation, and coordinates with the Industries Department on your behalf. Using our business loans and compliance calendar, you can track progress while focusing on project execution, we manage the application end-to-end.
Recommended for: Lean teams. Designed to save time and effort.
Option 2: Apply Online via KFC Portal
- Visit the KFC Apply Online / Track Application portal
- Register or log in as an applicant
- Select KFC Agro-based MSME Loan Scheme (KAMs)
- Enter enterprise details and upload documents
- Submit application and track status online
Option 3: Apply through KFC Office / Branch
- Contact the nearest KFC office or head office
- Request application under KAMs scheme
- Submit project report and financial details
- Application undergoes appraisal, sanction, and disbursement as per KFC process
Power combo with the scheme
Related Schemes
Frequently asked questions
What is KFC Agro-based MSME Loan Scheme (KAMs)?
KAMs is a loan scheme by Kerala Financial Corporation to finance MSMEs engaged in agro-based and agriculture-linked activities. It supports processing, value addition, and allied industries through term loans and working capital, helping strengthen Kerala’s agro-industrial ecosystem.
Which businesses are considered agro-based under KAMs?
Agro-based MSMEs include food processing units, plantation produce processing, agro-value addition units, and enterprises directly linked to agricultural raw materials. Final eligibility depends on KFC’s sector classification and project appraisal.
Can a new agro-based MSME apply under KAMs?
Yes. Both new and existing agro-based MSMEs can apply. New units must submit a viable project report demonstrating technical feasibility, raw material linkage, and repayment capacity as per KFC norms.
Does KAMs provide working capital support?
Yes. Depending on the project requirement and appraisal outcome, KFC may sanction working capital along with term loan support to meet operational needs of agro-based MSMEs.
Is this scheme available outside Kerala?
No. KAMs is a state-specific scheme implemented by Kerala Financial Corporation and is applicable only to units located within Kerala.
How long does KFC take to process a KAMs loan?
Processing time varies based on project complexity and documentation completeness. Applications submitted online or with complete details generally move faster through appraisal and sanction stages.
What is the moratorium and repayment period?
-Moratorium: Up to 2 years -Repayment: Monthly instalments, with total tenure not exceeding 10 years, including the moratorium period.