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KSFE Personal Loan

The Kerala State Financial Enterprises Ltd., also known as KSFE, offers personal loans at interest rates of 11.50% p.a. onwards for loan amounts of up to Rs 40 lakh and repayment tenures of up to 6 years. The lender offers both secured and unsecured personal loans (to its existing customers having a good repayment track record of at least 1 year) and consumer loans for purchasing household equipment, consumer durables, etc.
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Get up to ₹50 Lakhs starting at 9.98%

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15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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Easy Loan Application Process

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

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About KSFE Personal Loan

  • KSFE personal loans are offered at competitive interest rates to meet immediate personal financial needs.
  • Applicants can apply for a personal loan through Paisabazaar using a hassle-free digital and paperless process and also get end-to-end expert assistance.
  • Applicant’s loan approval depends on his/her repayment capacity and creditworthiness.
  • KSFE personal loans require minimal paperwork and offers flexible repayment options
  • These personal loans also come with zero foreclosure penalty and offer flexible end usage.

KSFE Personal Loan Highlights

Interest Rate
  • For personal loan: 11.50% p.a. (for secured loans) and 11.90% p.a. (for unsecured loans)
  • For consumer loan (simple interest rates): 12% p.a. (for regular customers) and 14% p.a. (for defaulted accounts)
Loan Amount
  • For personal loan: Up to Rs 30 lakh
  • For consumer loan: Up to Rs 30 lakh
Loan Tenure
  • For personal loan: 1 to 6 years
  • For consumer loan: Up to 3 years (for electronic items) and 1 to 5 years (for other items)
Processing Fees 0.1%

KSFE Personal Loan Interest Rates

KSFE Personal Loan Interest Rates starts from 11.50% p.a. The personal loan interest rates offered by the lender for its different loan schemes are mentioned below:

Particulars Interest Rates (p.a.)
For personal loan 11.50% p.a. (for secured loans) and 11.90% p.a. (for unsecured loans)
For consumer loan (simple interest rates) 12% p.a. (for regular customers) and 14% p.a. (for defaulted accounts)

Fees and Charges for KSFE personal Loan

The personal loan processing fees and other charges for availing KSFE Personal Loans are as follows:

Particulars Rates
Processing Fees 0.1%
Premature closure charges Nil
Default penal interest rate 18% p.a. on EMI

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Types of KSFE Personal Loan

KSFE Personal Loan

  • Purpose: KSFE Personal Loan enables its existing customers of KSFE (with a good repayment track record of minimum 1 year) to procure funds for personal or business related uses (except for speculative purposes). The lender provides both secured and unsecured personal loans along with offering the top-up facility on their existing loan after 1 year.
  • Interest Rate:50% p.a. (for secured loans) and 11.90% p.a. (for unsecured loans)
  • Loan Amount: Up to Rs 30 lakh
  • Loan Tenure: 1 to 6 years

KSFE Consumer Loan

  • Purpose: KSFE Consumer Loan enables loan applicants to procure funds for purchasing household equipment, consumer durables, etc. Loan applicants can also use the loan proceeds to buy two and four wheeler vehicles.
  • Interest Rate: 12% p.a. (for regular customers) and 14% p.a. (for defaulted accounts)
  • Loan Amount: Up to Rs 30 lakh
  • Loan Tenure: Up to 3 years (for electronic items) and 1 to 5 years (for other items)
  • Security: The security for KSFE Consumer Loan would be the same as that for a chit fund.

KSFE Personal Loan Eligibility Criteria

The personal loan eligibility criteria set for loan applicants availing KSFE Personal Loans are as follows:

  • Existing customers of KSFE
  • Good repayment track record of minimum 1 year

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Apply Now

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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026
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