About Kerala State Financial Enterprises Ltd
Data last updated: 11 January 2026
Kerala State Financial Enterprises Ltd is a private limited state government company based in Thrissur, Kerala, India. It specialises in non-banking financial services (NBFC), a part of the broader financial services sector. Incorporated on 06 November 1969, the company has been in operation for over 57 years.
Registered with ROC Ernakulam under CIN U65923KL1969SGC002249.
Capital: an authorised share capital of ₹250 Cr and a paid-up capital of ₹200 Cr. Formerly known as The Kerala State Financial Enterprises Ltd. It is led by directors including Govindan Pallikappil and Preetha Sukumaran Nair.
Last AGM: 05 December 2024. Financial statements filed for year ended 31 March 2024. Office: P B No 510Bhadratha Museum Road, Thrissur, Kerala, India – 680020.
As per the financials filed for FY 2023, the company reported a revenue of ₹4,521.86 Cr, a growth of 23.66% compared to the previous year.
The company has a workforce of approximately 8,340 employees as per the latest available data.
The company is associated with 1 brand - Ksfe. As per MCA filings, the company has open charges of ₹3,970.05 Cr and satisfied charges of ₹12,530 Cr on record.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website ksfe.com.
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Registered AddressP B No 510Bhadratha Museum Road, Thrissur, Kerala, India – 680020
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IndustryFinancial Services, NBFC
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
- PDF report delivered after checkout
Associated Brands with Kerala State Financial Enterprises Ltd
Kerala State Financial Enterprises Ltd operates one associated brand: KSFE. These brands represent Kerala State Financial Enterprises Ltd's diversified market presence and brand portfolio.
Competitors & Alternatives of Kerala State Financial Enterprises Ltd
Brands and companies operating in the same space as Kerala State Financial Enterprises Ltd include Manappuram Finance, L & T Finance Holdings, Bajaj Finserv and 6 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
Manappuram Finance
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Consumer and SME loans are provided by Manappuram Finance. | Valapad, India, India | 1992 |
L & T Finance Holdings
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Diversified lending services are provided as a non-banking financial institution. | Mumbai, India, India | 1994 |
Bajaj Finserv
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Financial solutions including loans and insurance are offered. | Pune, India, India | 2007 |
Northern Arc Capital
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Household and business loans are provided with risk management support. | Chennai, India, India | 2006 |
IIFL Finance
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Online gold, home, personal, and business loans are provided. | Mumbai, India, India | 1995 |
Mahindra Finance
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Consumer and SME loans are provided by Mahindra Finance. | Mumbai, India, India | 1991 |
Hero Fincorp
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2-wheeler loans and consumer/business financing are provided by Hero Fincorp. | Delhi, India, India | 1991 |
Kinara Capital
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Collateral-free loans are provided to MSMEs for business operations. | Bengaluru, India, India | 2011 |
Dvara KGFS
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Loans for consumers and SMEs are provided alongside financial services. | Chennai, India, India | 2008 |
Business Activity of Kerala State Financial Enterprises Ltd
Kerala State Financial Enterprises Ltd operates primarily in the financial and insurance service sector. The company has 2 registered business activity segments, reflecting its diverse operational portfolio.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| Locked | Financial and insurance Service | Locked | Other financial activities | Locked |
| Locked | Financial and insurance Service | Locked | Other financial activities | Locked |
Detailed business activity records for Kerala State Financial Enterprises Ltd
Activity codes and turnover contribution percentages require an active report plan.
- Activity group codes
- Detailed activity codes
- Turnover contribution
Verified entity values are shown only after access is granted.
Auditor Details of Kerala State Financial Enterprises Ltd
Kerala State Financial Enterprises Ltd is audited by KRISHNAMOORTHY & KRISHNAMOORTHY for the financial year 2018. The auditor plays a crucial role in ensuring financial transparency and compliance with accounting standards.
| Name | Status | Appointment Date | Cessation Date |
|---|---|---|---|
| KRISHNAMOORTHY & KRISHNAMOORTHY | Locked | Locked | Locked |
Complete auditor history for Kerala State Financial Enterprises Ltd
Appointment status, appointment dates, cessation dates, and historical auditor changes require an active report plan.
- Appointment status
- Appointment dates
- Cessation dates
- Auditor changes
Verified entity values are shown only after access is granted.
Board of Directors of Kerala State Financial Enterprises Ltd
Kerala State Financial Enterprises Ltd is currently managed by 12 directors, with 71 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Govindan Pallikappil | Director | 25 Aug 2022 | 3 Years 10 Months | Current |
| Preetha Sukumaran Nair | Director | 02 Sep 2021 | 4 Years 10 Months | Current |
| Varadarajan | Director | 06 Dec 2021 | 4 Years 7 Months | Current |
| Udiniparambil Poulose Joseph | Director | 25 Aug 2022 | 3 Years 10 Months | Current |
| Raghavan Chandroth Mundayadan | Director | 25 Aug 2022 | 3 Years 10 Months | Current |
| Sanil Sudhakaran Nair Kamala | Managing Director | 01 Dec 2022 | 3 Years 7 Months | Current |
Financials of Kerala State Financial Enterprises Ltd FY 2024 filings available
Kerala State Financial Enterprises Ltd reported revenue of ₹4,521.86 Cr (up 23.66% YoY) for FY 2023.
Ten-year financial statements for Kerala State Financial Enterprises Ltd
Historical statement values and trend charts require an active report plan.
- Income statements
- Balance sheets
- Cash-flow statements
- Ratios and benchmarks
Verified entity values are shown only after access is granted.
Ownership and Shareholding of Kerala State Financial Enterprises Ltd
Shareholding and ownership data for Kerala State Financial Enterprises Ltd
Promoter, institutional, public, and beneficial ownership values require an active report plan.
- Ownership categories
- Historical changes
- Group structure
- FII and DII holdings
Verified entity values are shown only after access is granted.
Charges & Borrowings of Kerala State Financial Enterprises Ltd
| Date | Lender | Amount | Status |
|---|---|---|---|
| 29 Dec 2025 | Canara Bank | ₹250 Cr | Open |
| 31 May 2025 | Canara Bank | ₹500 Cr | Open |
| 29 Jun 2024 | Others | ₹120 Cr | Open |
| 14 Aug 2023 | Indian Overseas Bank | ₹500 Cr | Open |
| 15 Nov 2021 | State Bank of India | ₹700 Cr | Open |
Total charge records: 49 View all charges
Employees and EPFO Compliance at Kerala State Financial Enterprises Ltd
Kerala State Financial Enterprises Ltd has a workforce of 8,340 employees as of Apr 07, 2024.
Employee and EPFO history for Kerala State Financial Enterprises Ltd
Monthly headcount, contribution history, establishment records, and filing compliance require an active report plan.
- Monthly headcount
- PF contributions
- ECR filing status
- Establishment history
Verified entity values are shown only after access is granted.
GST Compliance of Kerala State Financial Enterprises Ltd
GST registrations and filing compliance for Kerala State Financial Enterprises Ltd
State-wise registrations, return filing status, HSN and SAC details, and jurisdiction records require an active report plan.
- GSTIN registrations
- State-wise filing status
- HSN and SAC details
- Tax jurisdiction records
Verified entity values are shown only after access is granted.
Credit Ratings, Litigation & Regulatory Alerts for Kerala State Financial Enterprises Ltd
Credit ratings, litigation, and regulatory alerts for Kerala State Financial Enterprises Ltd
Agency ratings, court records, regulatory events, and entity-specific compliance alerts require an active report plan.
- Rating history
- Court and tribunal cases
- Regulatory alerts
- Director-linked violations
Verified entity values are shown only after access is granted.
MSME Payment Delays by Kerala State Financial Enterprises Ltd
MSME payment history for Kerala State Financial Enterprises Ltd
Amounts outstanding to micro and small suppliers, delay reasons, and MSME-1 filing history require an active report plan.
- Outstanding amounts
- Delay periods and reasons
- MSME-1 filing history
- Vendor payment signals
Verified entity values are shown only after access is granted.
Subsidiaries & Group Companies of Kerala State Financial Enterprises Ltd
Corporate group structure for Kerala State Financial Enterprises Ltd
Parent, subsidiary, associate, joint venture, and ownership records require an active report plan.
- Parent company
- Subsidiaries and ownership
- Associates and joint ventures
- Entity investments
Verified entity values are shown only after access is granted.
MCA Filings & Documents of Kerala State Financial Enterprises Ltd
MCA filings and documents for Kerala State Financial Enterprises Ltd
Official forms, annual returns, financial statements, charge filings, and document dates require an active report plan.
- Incorporation documents
- Annual returns and statements
- Charge filings
- Complete filing index
Verified entity values are shown only after access is granted.
Recent Activity on Kerala State Financial Enterprises Ltd
Frequently Asked Questions about Kerala State Financial Enterprises Ltd
Kerala State Financial Enterprises Ltd is an active private limited state government company in the financial services sector based in Thrissur, Kerala, India. It was incorporated on 06 November 1969 (57+ years old) and is registered under CIN U65923KL1969SGC002249. The company has 8,340 employees.
Kerala State Financial Enterprises Ltd reported revenue of ₹4,521.86 Cr for FY 2023 (up 23.66% YoY).
The current directors of Kerala State Financial Enterprises Ltd are:
- Govindan Pallikappil - Director
- Preetha Sukumaran Nair - Director
- Varadarajan - Director
- Udiniparambil Poulose Joseph - Director
- Raghavan Chandroth Mundayadan - Director
- Sanil Sudhakaran Nair Kamala - Managing Director
- Ramanalukkal Shah Mohammed - Director
- Sasikumar Kumaran - Director
- Thenenchery Narendran - Director
- Jennings Jacob - Director
- Sreedhanya Suresh - Director
- Manoj Krishnankutty - Director
The primary industry of Kerala State Financial Enterprises Ltd is financial services. The company specifically operates in nbfc. The company is currently active in this sector.
Kerala State Financial Enterprises Ltd can be reached at the registered office: P B No 510Bhadratha Museum Road, Thrissur, Kerala, India – 680020, or through the website ksfe.com.
The authorised capital is ₹250 Cr, and the paid-up capital is ₹200 Cr.