SDT NEYYATTINKARA (810)
SUDHEER V
Branch Manager
Since its establishment, the company has been dedicated to serving the interests of the customers as a top priority.
FREQUENTLY ASKED QUESTIONS
Are KSFE’s security norms for various schemes rigid and cumbersome?
KSFE, being Kerala’s most trusted financial service provider, strives to set security norms that are designed to protect both the institution and its customers. However, they are not rigid or cumbersome and are tailored to the specific scheme being applied. KSFE accepts securities, including financial documents, personal surety, property security, and gold security. Financial documents such as fixed deposits, NSC VIII issues, Kisan Vikas Patra, LIC policies, and paid-up amounts in non-prized chitties are considered acceptable securities.
Bank guarantees and personal sureties from government employees, professionals, and self-sureties are also accepted. Property security and gold ornaments of 22 karats or below can also be used as security. As the best financial company, KSFE is constantly working to make its security norms more customer-friendly and ensure that obtaining a loan or KSFE chitty is a hassle-free process. Now, financial services are also available for Pravasi Malayalees.
Could you share some benefits of KSFE’s Consumer/Vehicle loan scheme compared to similar offerings from other institutions?
KSFE’s Consumer/Vehicle Loan Scheme stands out from other options due to its competitive interest rates, flexible repayment terms, and comprehensive coverage of consumer durables and vehicles. KSFE offers an attractive interest rate of 12.00% (simple), making it an affordable financing solution for a wide range of consumers. The security requirements are easy to meet, eliminating unnecessary complexities. Unlike some competitor schemes, KSFE’s Consumer/Vehicle Loan Scheme can be used to finance a wide variety of consumer goods, including TVs, computers, motorcycles, cars, and more. Borrowers have the flexibility to extend their loan repayments up to 60 months, ensuring manageable monthly instalments and long-term affordability.
There are many financial companies offering housing loans at competitive rates. What are the advantages of the KSFE Housing Loan over similar schemes from other companies?
We believe that your dream home should not be a burden. KSFE provides housing loans that offer several advantages over similar schemes from other institutions, including competitive interest rates, simple terms and conditions, an advance for plot purchase, dwelling house construction, and catering to all segments of the population, including salaried individuals.
What are the main attractions of the KSFE Gold Loan Scheme?
KSFE’s Gold Loan Scheme offers several attractive features, including convenient extended working hours, fast loan processing, discretionary powers for quick decision-making, and interest charged only for the actual number of days gold is pledged.
What are the key benefits of joining KSFE Chitties over other savings options?
KSFE Chitties offer a unique combination of recurring deposits and advance payment benefits, making them a compelling savings option compared to traditional methods. Unlike recurring deposits, where advances are limited to paid-up amounts, KSFE Chitties allow subscribers to bid for advances up to a certain percentage of the chitty’s total value (sala). This flexibility of KSFE provides greater access to funds when needed. Moreover, KSFE Chitties offer a “chitty loan” option to bridge the gap between a subscriber’s financial needs and the delay in receiving their chitty prize due to initial instalment draws. This loan ensures that subscribers can access their funds without compromising their chitty participation.
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