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KSFE Since 1969

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SINCE
1969A vision that inspired many generations.
KERALA STATE FINANCIAL ENTERPRISES LIMITED

KERALA STATE FINANCIAL ENTERPRISES LIMITED

The Kerala State Financial Enterprises Limited (KSFE), established in 1969, has been a driving force for financial empowerment in Kerala. With over 680 branches, 1 digital business centre and 16 regional offices, KSFE caters to the diverse financial needs of Keralites, both within Kerala and worldwide. By offering a comprehensive range of financial solutions, including chitty loans, FD loans, gold...Read more

Legacy of Financial Inclusion and Empowerment

KSFE at a Glance

The Kerala State Financial Enterprises Limited (KSFE) has been a strong pillar of financial support for Keralalites for over 55 years. As a government-backed entity, KSFE has consistently delivered innovative and accessible financial solutions, expanding its reach to over 680+ branches and 16 regional offices across Kerala. KSFE has established itself as the most dependable financial partner for individuals and families looking to secure their financial future by adhering to the principles of transparency, customer-centricity, and financial inclusion. Our diverse product portfolio, encompassing chitty funds, gold loans, personal loans, home loans, passbook loans, and chitty substitution plans, empowers individuals to achieve their financial aspirations with confidence. With a turnover of ₹101,000 Cr+, KSFE continues to play a pivotal role in fostering financial well-being and prosperity across Kerala.

9000

Employees

₹101K Cr

TURN OVER

59 Lakh

CUSTOMERS

PROFILE

KSFE BEGINNING

Kerala State Financial Enterprises Limited (KSFE) is the No.1 financial institution in Kerala, with over 55 years of experience helping individuals and families achieve their financial goals.

Formed by the Govt. of Kerala on 6th November 

1969

1969
680+

Branches

250 Cr
Rs. 250 Cr

Authorized Capital

250 Cr
9000+

Employees

9000+

The Head Office is located at Thrissur, the hub of Chitty business in Kerala.

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Our Vision

A Comprehensive Spectrum of Financial Solutions

The Complete Financial Destination

To be a one-stop destination for all financial needs, offering simple and innovative solutions to help people achieve financial freedom and success.

Chitty Leadership

We are dedicated to revolutionizing the chitty sector, safeguarding our legacy and proficiency, and delivering continuous value to our clientele.

Expansion

While still the largest chitty provider in Kerala, we are expanding into new markets to diversify growth and gain global recognition.

Government Support

We provide resources and expertise to the Kerala government, boosting the state's economy and creating prosperity for all Keralites.

Social Responsibility

We dedicate in social responsibility programs that help the poor and promote inclusive growth to ensure everyone succeeds.

Education Empowerment

KSFE believes education is essential for social progress and youth empowerment.

Our MISSION

financial empowerment through innovation

Sustainable
Empowerment

Ensure accessibility and affordability of financial services for all through transparent, sustainable and beneficial offerings.

Protecting from Corrupt Practices

Uphold ethical financial practices, safeguard the public from corrupt operators, and maintain the highest standards for chitty schemes.

Fiscal
Stability

Strengthen the financial resources of the state government, support development initiatives, and contribute to the state’s prosperity.

Social
Security

More social security schemes will help marginalised communities, promote inclusive growth, and ensure equitable financial services.

Expanding Branch Network

Expand the branch network to reach underserved areas, bridge the financial gap, and ensure universal access to essential financial services.

Improved Customer Experience

Use cutting-edge technology to improve service efficiency, effectiveness, reach, customer satisfaction, and financial experience.

Sri.Pinarayi Vijayan

Sri.Pinarayi Vijayan

Hon. Chief Minister of Kerala

Adv.K N Balagopal

Adv.K N Balagopal

Hon. Finance Minister of Kerala

Sri.K Varadarajan

Sri.K Varadarajan

Chairman

Dr.Sanil S K

Dr.Sanil S K

Managing Director

BOARD OF DIRECTORS

Sri. K. Varadarajan

Chairman

Dr. Sanil S K

Managing Director

Smt. Sreedhanya Suresh IAS

Director (IG Of Registration)

Sri. Manoj K

Director (Joint Secretary, Taxes (H) Department)

Smt. Preetha B S

Director (Additional Secretary, Finance Department)

Adv. Govindan Pallikkaappil

Director

Sri. Jennings Jacob

Director

Sri. T. Narendran

Director

Dr. K. Sasikumar

Director

Sri. R.Mohammed Sha

Director

Adv. M C Raghavan

Director

Adv. U P Joseph

Director

HEADS OF DEPARTMENTS

Sri. Sarath Chandran S

General Manager

Finance Department

Sri. Sreekumar P

General Manager

Businesss Department

Smt. Saraswathy N

Deputy General Manager

Revenue Recovery Department

Sujatha M T

Deputy General Manager

KSFE Digital Business Centre

Smt. Nisha A B

Deputy General Manager

Information Technology Department

Smt. Devi Nair R

Deputy General Manager

P&HR Department

Sri. Krishnendu Sureshkumar

Assistant General Manager

Legal Department

Smt. Meera K S

Assistant General Manager

General Administration Department

Sri. Ravi K K

Assistant General Manager

Planning Department

Sri. Emil Alex

Company Secretary

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CSR ACTIVITIES

WE ARE MAKING A DIFFERENCE

Through our corporate social responsibility initiatives, KSFE is helping to build a brighter future for everyone. We are committed to making a positive impact on the communities we serve, and we're proud of the work we're doing.

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Hands-On Support

Our team of professionals are here to help you with all your financial needs as well as finding the right products and services for you.

Career Opportunities

We’re always looking for talented people to join our team. If you’re passionate about finance and customer service, we encourage you to apply for a position at KSFE.

Products & Services

We offer a wide range of financial products and services to help you with all your needs, from saving for your future to buying a home.