KSUM Seed Fund (soft loan)

Last checked 11 Oct 2026 against the official scheme page. Terms and dates can change, so confirm on the official site before you apply.

Up to Rs 15 lakh

Funding available

Soft loan from Kerala Startup Mission to prototype/MVP-stage product startups, disbursed in two tranches against milestones.

Eligibility Criteria

Kerala-registered Pvt Ltd or LLP with KSUM Unique ID, DPIIT recognition and active MCA status, building an innovative product/technology (services and trading SMEs generally excluded); no pending government dues; director CIBIL preferably above 750.

What You Get

6% simple interest
12-month moratorium then 36 monthly instalments
No prepayment penalty
Funds product development, testing, IPR, manpower (not founder salaries)

Similar Schemes

TDB

Technology Development Board Core Funding

Amounts and cost-share not confirmed on the pages read

Stand-Up India

Composite loan Rs 10 lakh to Rs 1 crore

VCF-SC

Venture Capital Fund for Scheduled Castes

Loans Rs 10 lakh to Rs 15 crore at 4% coupon

Apply on the official government portal

Apply Now

Quick Facts

Governing Body: Kerala Startup Mission (KSUM)
Ministry / Dept: State
Level: Kerala
Status: Check official site

Startup Stage

Validation

DPIIT Recognition Required

This scheme requires your startup to be DPIIT-recognised under the Startup India programme.

How to get DPIIT recognition →