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Loans Under Interest Subsidy Eligibility Certificate Scheme of Khadi & Village Industries Commission (KVIC-ISEC)


To finance institutional financing agencies for lending to Khadi & Village Industries


Institutional financing agencies – Khadi & Village Industries Commission, State Khadi & Village Industries Boards, Registered Institutions, Co-operative Societies


Interest subsidy limited to the difference between the actual rate of interest charged by the Bank and 4% borne by the borrowers

Note :

Bank Finance Cell of KVIC will issue Interest Subsidy Eligibility Certificate. On the strength of these Certificates, the eligible institutions may negotiate with Bank for finance assistance. However, the final decision to accept or reject any loan to the eligible borrower is vested with the Bank.

Claims should be commuted on the loan amount indicated in the ISEC or an actual availment whichever is less based on the day to day transactions.

Complete details are available on website of KVIC at

Conditions apply.

Click here to download copies of blank agreements to be executed by the borrowers

> Working Capital Finance > Term Finance > MSME > SME > Small Business Borrowers > Traders Loan

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