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...

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.

Highest Approval Chances

Easy Loan Application Process

End-to-End Expert Assistance

Minimal Documentation Requirement

Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Get Cashback of ₹1,000^* on Loan Disbursal

Valid till 31^st March '26*T&C Apply

Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Highest Approval Chances

Easy Loan Application Process

End-to-End Expert Assistance

Minimal Documentation Requirement

Find Best Personal Loan Offers

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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 Fee₹ 6,500

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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About KSFE Personal Loan

KSFE Personal Loan Highlights

KSFE Personal Loan Interest Rates

Fees and Charges for KSFE Personal Loan

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End-to-End Digital Process

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

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

Avail Personal Loan for
All Your Needs

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

Explore Our Personal Loan Lenders

Avail Personal Loan for
All Your Needs

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What our customers say

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.

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

Kokil BarnwalFeb 12, 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.

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.

Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

Abhishek ThakuraJan 14, 2026

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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KSFE Personal Loan