KSFE Personal Loan

Name: KSFE Personal Loan
Brand: Paisabazaar
Rating: 4.2 (2839 reviews)

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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4.2_/5

2839 Reviews

51M+Satisfied Customers

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800+Cities across India

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Valid till 15^th November '25

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Customer Rating

4.2_/5

2839 Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Paisabazaar Exclusive Benefits

Wide Choice

Curated offers from 30+ lenders

Quick Disbursal

Money in your account instantly

SmartMatch

Offers ranked according to eligibility

Digital Process

Hassle-free & paperless

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

Axis Bank

Low Processing fee

Max. Loan Amt.Upto ₹25L

Rate of Interest9.99% - 17.15%

Tenure uptoUpto 6 Years

Processing FeeUpto 2%

Kotak Mahindra Bank

Lowest Income requirement100% Digital Process*

Max. Loan Amt.Upto ₹25L

Rate of Interest9.98% - 17.2%

Tenure upto1-5 Years

Processing Fee1.1% - 1.5%

Why Choose Paisabazaar?

Compare & Choose the Best Offer

Pre-approved Offers with Instant Disbursals

Know Your Chances of Approval

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

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 40 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

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 40 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.

Avail Personal Loan For
All Your Needs

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 Ksfe Lenders

Avail Personal Loan For
All Your Needs

What our customers say

Highly recommended platform

I applied for a personal loan for medical emergency through Paisabazaar and got amazing service like nowhere else. The team was extremely cooperative and followed up with me until I had my loan amount in my account. My loan was disbursed within 24 hours. It is indeed an excellent platform for taking loans.

Sunil YadavOct 29, 2025

Instant loan disbursal

I applied for a personal loan through Paisabazaar and got my loan disbursed in no less than 24 hours. The team was extremely cooperative, guided me through the entire process and followed up with me until I had my loan amount in my account. I highly recommend this platform to everyone looking for an urgent loan.

Neha JainOct 29, 2025

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

Manish KumarOct 23, 2025

Got personal loan instant

I was a medical emergency & need funds instantly I applied for loan at Paisabazaar & see I have a pre approved offers & apply to it & amount disbursed in 48 hours thanks to paisabazaar teams

Mansi SharmaOct 17, 2025

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn't know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

Vivaan ShahSep 24, 2025

Loan Approved in on day

I confused between HDFC & Axis personal loans, but Paisabazaar showed me all the offers side by side. I apply in 10 minutes and got approval the next day!

Rahul MehtaSep 23, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

Pankaj SinhaSep 22, 2025

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

KSFE Personal Loan

Paisabazaar Exclusive Benefits

Find Best Personal Loan Offers

How Can I Apply for a Personal Loan Online?

KSFE Personal Loan Highlights

KSFE Personal Loan Interest Rates

Fees and Charges for KSFE personal Loan

Types of KSFE Personal Loan

KSFE Personal Loan

KSFE Consumer Loan

KSFE Personal Loan Eligibility Criteria

How Can I Apply for a Personal Loan Online?

What our customers say

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