Presentation about Kerala Financial Corporation

1. -GROUP NO. 10
NASIHA PC
ANUSREE MOHAN
SHEETHAL VV

2. Introduction
 Incorporated under the State Financial Corporations Act
of 1951.
 A trend setter and path breaker in the field of long term
finance, playing a major role in the development and
industrialization of Kerala.
 It was established as the Travancore Cochin Financial
Corporation on 01.12.1953.
 In November 1956, Kerala State was formed and the
Travancore Cochin Financial Corporation was renamed
as Kerala Financial Corporation.

3.  Now KFC has 16 Branch Offices- Head Quarters at
Thiruvananthapuram and Zonal Offices at Kozhikode,
Ernakulam and Thiruvananthapuram.
 The provisions of SFCs Act 1951 as amended in 2000
control and guide the functions of Corporation.
 The main objective of KFC is the rapid
industrialization of the state by extending financial
assistance to Micro, Small and Medium Enterprises in
manufacturing and service sector.
 SFCs Act empowers KFC to formulate suitable loan
schemes for achieving the above said objectives.

4. Headquarters at Thiruvananthapuram

5.  Corporation can give financial assistance for setting
up of new units and for the expansion /
modernization / diversification of existing units in
both manufacturing and service sectors.
 Since inception KFC has disbursed over Rs. 3000
Crores to more than 40,000 projects, spread over the
length and breadth of the State.
 The Corporation is the first PSU in Kerala and first SFC
in India to initiate Corporate Social Responsibility
activity.
 As part of its Corporate Social Responsibility, KFC has
set up KFC-CARE (Centre for Assistance and
Rehabilitaion) to rehabilitate and serve the
marginalized sections of the community.

6. Going Forward
 Now emerged as a financial supermarket giving the
customers a wide range of products and services.
 The Corporation is one of the best State Financial
Corporations in the country with a competent tech
savvy team of professional at the core of services.
 Constant endeavour has been to bring a sharper focus
on the requirements of our customers and to provide
the highest levels of service.
 KFC now means more than term loans-also provides
Working Capital finance and Short Term
Finance apart from schemes focused at the weaker

7.  Modernization schemes for SSIs, Special schemes for
Resorts, Hospitals, TV Serial Production etc are some of
the innovative schemes introduced to suit changing
customer requirements.
 KFC has also set up KFC Consultancy Division with a view
to render excellent Consultancy Services to our Clients as
a Total Solution provider.
 KFC has also has made a small beginning to nurture and
develop a new managerial cadre that can dream, envision
and create a new future by starting the KFC Training
Division.
 Offers training programs which are at par, with the
programs offered by any institutions of advanced
learning in India.

8. Sri.Sanjeev Kaushik IAS
(Chairman & Managing Director)

9. Shareholders Rs. in crores % of Shareholding
Government of Kerala 215.63 97.19
SIDBI 6.13 2.76
LIC 0.07 0.03
SBT 0.02 0.01
Others 0.01 0.01
Total 221.86 100.00
Share Holding Pattern
as on 31st March 2009

13. Loan schemes
1.Scheme for Term Loan for industrial activities
 To meet long term requirements for projects.
 All new and existing enterprises, eligible to be funded by the Corporation, except CRE
projects.
2.Working Capital Revolving Fund Loan
 To provide working capital, on a revolving basis.
 All new and existing enterprises, eligible to be funded by the Corporation, except CRE
projects.
3.Scheme for Financing Construction Activities & Housing Projects
 Promoters should be financially sound and successful in their other business areas.
 Promoters should be prompt in servicing loans availed by them.
 Existing clients of the Corporation will get preference.
 Minimum cibil score shall be 600.

14. 4.Short Term Loan Scheme
 New and existing units.
 Should be prompt in servicing their liability, if any, in this and other
projects of theirs.
5.Scheme for Special Working Capital Assistance to Hotels
 To provide short term working requirements of well run hotels with
minimum procedures.
6.Modified Scheme for Financial Assistance to Contractors
 To provide financial assistance to eligible customers for execution of
eligible activities and to offer guarantee for the eligible activities,
either before start of work or during the work period.
7.Scheme for Financial Assistance for Producing Feature Films & TV
Serials
 To extent short term finance to meet costs in producing feature films,
documentaries and TV serials.

15. 8.Vehicle Loan Scheme
 Purchase of all types of vehicles which are used for commercial
purposes.
 Purchase of two wheelers, if required as part of the project and if
their number is at least ten.
9.Working Capital Term Loan Scheme
 Existing and New Enterprises in Manufacturing & Service Sectors,
except CRE projects.
10.Scheme for Modernisation, Upgradation, Expansion and
Diversitation of Existing Manufacturing Units/Hotels/Hospitals
 To provide financial assistance for modernization, upgradation,
expansion and diversification so as to enable the existing
enterprises keep pace with the current requirements in
technologies, amenities and market requirements.

16. 11.Special Revolving Fund Scheme for Existing Customers
 To meet urgent credit requirements of existing customers of the
Corporation, connected with the working of the enterprise and
with proper justification.
12.Receivable Finance Scheme
 To ease the cash flow of MSME units by discounting bills for a
maximum period of 180 days.
13.Liberalised Scheme for Financing up to Rs 100 lakhs to Units
under KSEDM
 To finance the expansion/scaling up of enterprises set up under
KSEDM to meet their requirements for purchase of fixed assets,
working funds for marketing, launch, salary, other eligible
tangible and intangible expenses.

17. 14.Startup Support Scheme
 A startup is a newly formed entity, the purpose of which is to
develop new, usually innovative products or services in uncertain
circumstances.
 If it satisfies a new need, present in a broader area or even globally,
it also has great growth potential.
 Startup entrepreneurship is crucial because of innovations, new
jobs and bringing competitive dynamics into the business
environment.
 Being the developmental agency of the State, in line with
Government policy towards Startups, Kerala Financial Corporation
aims to support such Startups with all necessary hand holding and
mentoring support.
 Since the CGTMSE limit available to the Corporation is Rs.10 Crores,
it is proposed to extend the facility to 100 deserving startups.

18. 15.Scheme for Financing Working Capital Requirements of Start-ups
for Executing Purchase Orders
 Should be a Start-up.
 Start-up is an entity which was set up less than 7 years from the
date of application and whose turnover has never exceeded Rs 25
crores in any financial year.
 Constituted as a Private Limited Company or Limited Liability
Partnership. Private Limited Companies have greater acceptability
 The applicant entity shall be a MSME, registered with the
Government.
 The Applicant Entity has firm purchase orders from Reputed
Companies.
 The Applicant Entity should have successfully executed purchase
orders worth, value of, three times the amount applied for.
 Preference shall be given to proposals recommended by Kerala
Startup Mission (KSUM)

19. 16.Scheme for Funding Venture Debt for IT Hardware &
Software Enterprises
 Constituted as a Private Limited Company or Limited Liability
Partnership.Private Limited Companies have greater
acceptability.
 The applicant entity shall be a MSME, registered with the
Government.
 The Applicant Entity has undergone due diligence by a SEBI
accredited Venture Capital Fund and they have confirmed the
amount to be invested and the mode of the same.
 Preference shall be given to proposal recommended by Kerala
Startup Mission (KSUM)

20. Special package for Women Entrepreneur
 KFC offers special scheme to Women Entrepreneurs of the
state.
 Only enterprises owned and administered by woman
entrepreneur/ entrepreneurs having 100% financial interest
shall be eligible under this scheme.
Scheme for Energy Saving Projects
 The objective of this scheme is to promote energy saving
measures in SMEs by providing financial assistance for the
implementation of Energy Saving Devices/Projects and
thereby contributing to environmental improvement and
economic development of the country.

21. Services
Consultancy Division
 KFC aims at enhanced Customer Satisfaction through
Professional Management, Team Work and Continuous
Improvement.
 Now as part of diversification, the Kerala Financial
Corporation has set up KFC Consultancy Division with a
view to render excellent Consultancy Services to clients
as a Total Solutions provider including training.

22. Core Areas of Management Consultancy that are
provided:
 Industrial Solutions
• Valuations of Assets. • Appraisal of Project Reports.
• Operational Analysis of Industries.
• Preparation of Project Proposals.
• Preparation of Rehabilitation Proposals.
• Winding up proposals.
 Financial Solutions
• Cost Analysis.• Financial Management.
• Due diligence analysis. • Comprehensive Financial Engineering.
• Operations Research.
• Analysis and Assessment of Financial Statements.
• Financial Restructuring.
• Implementation &Accounting Systems.

23.  Marketing Solutions
• Market Potential Assessment. • Marketing Audit & Appraisal.
• Pricing Strategy. • Market Research & Product Launching.
• Marketing Strategies & Designs. •Communication Strategies & designs.
 Technology & Manufacturing
• Technology Selection.• Technology Audit.
 Non Profit Sector Management
• Supporting the formation and Management of Non-Profit Organizations.
• Designing and Implementing CSR Strategies.
 Man Power Solutions
• Search and Recruitment Advice. • Placement of Consultants
• Placement of Personnel. • Manning Cost Preparation.
• Human Resource Audit.

24. Training Division
 Training for Trainers
 Entrepreneur's Training
 Financials for Non Finance Persons
 Manpower Planning Training
 Career Development Training
 Organisational Development Training
 Better Communication Skills Training
 Motivation, Management & Launching Training
 Product Positioning Training
 Customer Relations Training

25. Corporate Social Responsibility
 In line with the decision of the Government of India to up grade
1396 Industrial Training Institutes across the country, KFC has
taken up the Women's ITI, Kozhikode to make it a Centre of
Excellence.
 KFC is designated as the 'Industry Partner' for this venture and
Chairman of the Institutes Management Committee, which
oversees matters such as selection of trainees, arranging training
for the faculty, appointment of contract / guest faculty,
facilitating on the job training's, development of curriculum,
improving the infra-structure and other such matters it deems
essential for the development of the institute.
 On completion of course, placement assistance will be given to
successful students, in the units financed by KFC.
 The launching of the Corporate Social Responsibility Cell (KFC-
CARE) is the first act of social responsibility commitment being
undertaken by any SFCs in India and any public sector
undertakings in Kerala.