# Kerala Financial Corporation

Kerala Financial Corporation is a Corporate Investor based in Thiruvananthapuram, India.

## Overview

- **Organization type:** Corporate Investor
- **Headquarters:** Thiruvananthapuram, India
- **Region:** Asia
- **Address:** Thiruvananthapuram, Kerala, India
- **Founded:** 1953
- **Assets under management:** Undisclosed
- **Website:** www.kfc.org
- **LinkedIn:** https://www.linkedin.com/company/kerala-financial-corporation

## Regulatory record

- **Reports private funds:** No

## About

Loan Schemes, Kerala Financial Corporation (KFC), Thiruvananthapuram, Kerala, India

## Sectors

- Infrastructure
- Private Credit
- Real Estate

## Offices

- Palakkad, Kerala, India
- Kozhikode, Kerala, India
- Kannur, Kerala, India

## People

- Dr. Sriram Venkitaraman — Managing Director
- Government of Kerala — Majority Shareholder (99.14%)

## Questions

### Who runs investment and credit decisions at Kerala Financial Corporation?

Dr. Sriram Venkitaraman, an IAS officer, serves as the Managing Director and is the key executive responsible for operations and strategy. The board, dominated by state-government nominees and representatives from SIDBI and other institutions, approves lending policies. Day-to-day credit sanctions follow delegated authority norms under the State Financial Corporations Act framework.

### How does KFC's ownership structure affect its lending mandate?

The Government of Kerala holds a 99.14% majority stake, effectively making KFC a state policy instrument. This ownership compels the corporation to prioritize state-defined industrial sectors, back government-promoted entrepreneurship programs, and absorb credit risk in priority areas like scheduled-caste and scheduled-tribe businesses. Minority shareholders SIDBI and LIC provide technical and financial-sector linkages.

### Does KFC make equity investments or only provide debt?

KFC's primary activity is term lending and working-capital finance to MSMEs, not equity investing. As a development finance institution, it structures debt products — occasionally convertible under structured workout arrangements — but its balance sheet is fundamentally a loan book. The corporation does not operate as a venture-capital or private-equity vehicle.

## Related profiles

- [Keppel Offshore & Marine](https://altss.com/profile/keppel-offshore-marine)
- [Kerala State Industrial Development Corporation](https://altss.com/profile/kerala-state-industrial-development-corporation)

---

Last updated: 2026-06-03T20:00:00.000Z

Canonical page: https://altss.com/profile/kerala-financial-corporation

Maintained by Altss — https://altss.com — methodology: https://altss.com/methodology