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Loans Under Interest Subsidy Eligibility Certificate Scheme (KVIC-ISEC)

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Loans Under Interest Subsidy Eligibility Certificate Scheme (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


  • 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 www.kvic.org.in External website that opens in a new window


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

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