--- Circulars of 2026 ---
Cir 1-2026 (BD) Asset Quality Index and Ranking of Branches and ROs reg dt 01-01-2026
Cir 2-2026 (Recovery)- ILAVU 2026 OTS Scheme dt 07-01-2026 
Cir 2-2026 (Recovery)- ILAVU 2026 OTS_Amendment dt 21-01-2025 
GO Rt 14 2026 Taxes_Ilavu 2026 GO 
Cir 3-2026 (P&HR) Staff Welfare_Scholarship to the children and spouse of Company employees for higher education for the year 2025-26 dt 07-01-2026
Cir 4-2026 (BD) Renewal of Group Personal Accidental Insurance - Reg dt 15-01-2026
Cir 5-2026 (BD) Change in Method for calaculating Market value of Goldloan reg dt 21-01-2025
Cir 6-2026 (BD) Upgrading Micro Branches to Regular Branches - Reg dt 27-01-2025
Cir 7-2026 (BD) KYC Regulation through Onboarding application - Reg Dt 27-01-2025
Cir 8-2026(BD) UNARVU - Substitution-Revival Campaign - Reg dt 31-01-2026
Cir 9-2026 (BD) Maximum Liability Limitted to 8 Cr reg dt 09-02-2026
Cir 10-2026 (BD) Gold Loan Schemes - Modifications - Reg dt 20-02-2026
Cir 10-2026 (BD) Gold Loan Schemes - Modifications - Reg dt 20-02-2026_ERRATUM
Cir 11-2026 (BD) Centralized Valuation System - Clarifications in Procedures - Reg dt 21-02-2026
Cir 12-2026 (BD) Acceptance of the Salary Certificate of Employees of Kerala SIDCO - Reg dt 24-02-2026
Cir 13-2026 (FA) Appointment of Statutory Auditors of the Company - 2025-26 - Reg dt 26-02-2026
Cir 14-2026 (BD) Safe Deposit Locker Management System reg dt 28-02-2026
Cir 15-2026 (BD) Extension of KSFE Harmoney Chitty Series-3 Upto 18 March- Reg dt 02-03-2026
Cir 16-2026 (FA) Filing of Profit and Loss account & Balance sheet in respect of chit business - 31.03.2026 - Reg dt 02-03-2026
Cir 16-2026 (FA) Excel Form 
Fixed Asset_Correction and Updation reg dt 03-01-2026
Chitty Prior Sanction_Details called reg dt 12-01-2026
Sad and Unfortunate Death of Company Employee Shehna K 
Final Seniority List of Subordinate Staff having qualification SSLC or above reg dt 21-02-2026 
Notice - Republic Day Celebrations - 2026 reg dt 22-01-2026 
Updation of KYC Before effecting Chitty or Loan Payments reg dt 28-01-2026 
Filing of Removal,Substitution, Minutes & Balancesheet_ Creation of new account head_Amount Recovered or Recoverable from staff (Chitty Auction) 3138 reg dt 28-01-2026 
Notice_Nomination in Gratuity, GPAIS & GIS reg dt 30-01-2026
FORM - F_Gratuvity Nomination Form
GIS - Form-6_GIS Nomination_Unmarried
GIS - Form-7_GIS Nomination_Married
Jeevanraksha -Nomination 
Meeting of Managers on 05-02-2026 @ HO reg dt 31-01-2026 
Customer Connect Iniative reg dt 31-01-2026 
Glass Sticker A5 size
Glass Sticker A5 size Mlm. (1)
KSFE Smile Month_Banner 6x3 
KSFE Smile Month_Glass Sticker A5 size
KSFE Smile Month_Glass Sticker A5 size Mlm. (1) 
KSFE Smile Month_Standee
Best Performers in Asset Quality Index reg dt 06-02-2026
Tentative Seniority list of employees in Subordinate Cadre having qualification of SSLC or above reg dt 05-02-2026 
FESCA Circular 01-26 dt 07-02-2026 
EPS 95 Higher Pension_Employer Share Not diverted cases reg dt 09-02-2026 
Posting of AGMs reg dt 09-02-2026 
Diesnon_National Strike on 12-02-2026_GO dt 11-02-2026 
Notice - Gifting Trolley bag to Employees as part of achieving ONE LAKH CRORE Turnover - Reg dt 20-02-2026 
Trolley Bag_Authorisation Letter dt 26-02-2026 
Trolley Bag Authorization 
Annual closing of Accounts for the FY 2025-26 (Important points to be complaid with at unit level) reg dt 26-02-2026 
Asset Quality Index -LIST OF BRANCHES dt 02-03-2026 
Customer connect campaign-_Month of Thanks Giving_-Reg dt 02-03-2026 
 Kasfe Banner _ 6x3_ New Suraj 
 KSFE _ Thanks Pin Badge 
 KSFE_THANKS_STANDEE_3x6_01 
E-waste_Instruction to ROs reg dt 27-01-2026
EPF_Copy of Demand Letter to Units reg dt 09-02-2026
KSFE Sammonolsavam Invitation single fold (Size A5 Clossed) 
Letter regarding Enrolment Sanction reg dt 04-03-2026
Letter regarding Enrolment Sanction-format for more than 10 cr sala
Letter regarding Enrolment Sanction-format for more than 50 tickets for ROs 
Business Line Branch dt 11-03-2026 
Distribution of Trolly Bag_add details in Chetak reg dt 18-03-2026 
CASBA EOY_EOD_Instructions reg dt 23-03-2026 
Ensure proper repayments in gold loan accounts reg dt 23-03-2026 
ILAVU 2026_more instructions reg dt 25-03-2026 
Transfer requests called for through ETS reg dt 25-03-2026 
KSFE Ads through Stream Now Application. reg dt 25-03-2026 
KSFE Streaming User Manual 
Customer Meet Report called for reg dt 26-03-2026 
Initiation of RR action- more clarification reg dt 27-03-2026 
KSFE Harmony Chits_Smart Phone_more instructions reg dt 27-03-2026
Uniform to PTS Employees reg dt 28-03-2026 
Stock of stationery_Uploading in Chetak reg dt 30-03-2026  
Yearly target achievers 2025-2026 (31.03.26) 
Cir 18-2026 (BD) Chitty - Aggregate Sala - Decentralized Enrollment - Reg dt 27-03-2026 
Cir 19-2026 (BD) Acceptance of Aided School Teachers as Sureties - Modification of norms - Reg dt 30-03-2026
Cir 20-2026 (P&HR) Implementation of Pay Revision to Employees - Reg dt 31-03-2026
KSFE Pay revision 2022_GO(Ms)No.13-2026-TAXES dt 06-03-2026 
Cir 21-2026 (BD) Implementation of KSFE CRM system- ABC2Z dt 30-03-2026
Cir 23-2026 (BD) Introducing KSFE Smart Pass Book Loan reg dt 01-04-2026
15GH Tracking instructions for FY 2026-27 reg dt 06-04-2026 
Profile updation of new joinees in HRMS (for submitting application in ETS) reg dt 06-04-2026 
Vishu 2026 - Disbursement of Festival advance through HRMS reg dt 06-04-2026 
Chitty Prior Sanction_Details called reg dt 07-04-2026 
Change in TDS Rates for the FY 2026-27 reg dt 07-04-2026 
General Election 2026_Chitty Auction reg dt 07-04-2026
Harmoney Chitty_Prize to regions & branches reg dt 17-04-2026
Harmoney Chitty_Prize to regions_Annexure-1 
Notice - TRANSFER - Extension
AQI PRIZE INTIMATION MARCH 20-4-2026 
SDWAN Implementation reg dt 21-04-2026 
Troly bag reg dt 22-04-2024 
UNARVU_Announcement of prizes reg dt 23-04-2026 
Additional commission to Agents for better performance reg dt 23-04-2026
Additional commission to Agents_ANNEXURE I 
Additional commission to Agents_Annexure- II 
Initiation of RR action in CAMRA BEFORE 15-05-2025 REG DT 28-04-2026
EPFO_Scheme_PMVBRY reg dt 29-04-2026
ETS Date extension upto 08-05-2026 reg dt 30-04-2026
KYC through On Boarding Application reg dt 30-04-2026
Interest rate of Sugama Akshaya Overdraft reg dt 07-05-2026
PAN Aadhaar linking reg 08-05-2026
Harmony Chits_Distribution and Draw of Third prize reg dt 11-05-2026
Decentralised Enollment - Reports reg dt 21-05-2026
Cir 24-2026(BD)_Advertisement Expenses for Ro and Branches 2026-27
Cir 25-2026(P&HR)- Statement of Assests and Liabilities of Employees
Cir 26-2026 (P&HR) Revision of allowances and other benefits
Cir 27-2026(CS) Revised Medical Benefit Rules - MBR
Cir 28-2026(GAD)_Renaming of PACHALAM (580) Branch as AYYAPPANKAVU Branch
--- Circulars of 2025 ---
Cir 01-2025 (P&HR) Staff welfare - Scholarship to the Children-Spouse of Company Employees - 2024-25 - Reg dt 15-01-2025
Cir 2-2025 (BD) Renewal of Group Personal Accident Insurance Policy for Agents-Appraisers - Reg dt 15-01-2025
Uploading of 15GH for FY 2024-25 Q3 dt 01-01-2025
Door Collection Changes 14-01-2025
New Change CASBA - Door Collection Mobile reg dt 15-01-2025
PBMS Govt Subsidy Accounting Details dt 16-01-2025
KSFE Webmail __ Inoperative PAN category updation -& TDS Deduction - reg
Transfer & Posting of Assistants dt 20-01-2025
Nemom Service Co Operative Bank FD (Sri Joy F)_ Report called reg dt 21-01-2025
Inter unit account reconciliation dt 21-1-2025
Gold Loan 8000 CR dt 22-01-2025
Activation of UAN reg dt 24-01-2025
Award to Branches & Regions in connection with Galaxy Chitty reg dt 24-01-2025
Previous Employer & Service details in EPF reg dt 24-01-2025 
Uploading of TDS, GST TDS & Delayed TDS in TAX KSFE reg dt 27-01-2025
Entering Family Details in HRMS for Medical Reimpersement reg dt 27-01-2025
Conducting Revaluation before taking RR reg dt 29-01-2025
Report called Sevana Avakasa Niyamam reg dt 30-01-2025
Transfer & Posting of Assistants_Instruction to relieve dt 31-01-2025
KSFE AGENT APP - Letter Sending - dt 04-02-2025
Preliminary steps to be taken in branches before initiating RR reg dt 06-02-2025
Non RR Adalat Proforma more than 1 account
Non RR Adalat proforma more than 1 account (Word)
Cir 3-2025 (BD) Creation of Liability in Property Security - Revised norms - Reg dt 06-02-2025
Cir 4-2025 (P&HR) General Transfer - Revised norms - Reg dt 14-02-2025
Cir 5-2025 (BD) Norms for allowing Dividend - Directions - Reg dt 15-02-2025
Cir 6-2025 (BD) Implementation of Removal,Substitution & Assignment through CASBA - Reg dt 19-02-2025
User Manuel malayalm removal and substitution
KSFE Advertisement in KSRTC Bus Stations reg dt 06-02-2025
Conducting Adalat 2025_Intimation to SDTs, ROs,branches dt 10-02-2025
Promotion Test 2024 - Revised Answer key pubishing reg dt 13-02-2025
EST P&L Account FY 2024-25 Q4 dt 17-02-2025
General Transfer of Employees_applications called through ETS reg dt 18-02-2025 
KSFE Gaaxy Chitty S III_Evaluation meeting @ HO on 20-02-2025_Intimation dt 18-02-2025
KSFE Galaxy S II_Khadi Coupon Expiry date Intimating reg dt 20-02-2025 
Alert Hub Mechanism in RMS dt 28-02-2025 
Notice - Extension of time for submission of transfer request reg dt 28-02-2025
Cir 7-2025 (BD) KSFE Galaxy Chitty Series-3- Extention of Campaign Period reg dt 28-02-2025
Cir 8-2025 (BD) Flagging Customers in CASBA (Undesirable Cases & Defauters) reg dt 28-02-2025
Direction to the branches related with Red Flag reg dt 23-04-2025
Red Flag reg dt 23-04-2025_Format (Word) 
Red Flag reg dt 23-04-2025_Format (PDF) 
KSFE Galaxy S II_Khadi Coupon Expiry date upto 29-03-2025_Intimating reg dt 03-03-2025
KSFE Galaxy S II_Khadi Coupon Expiry date upto 29-03-2025_Excel
EPS 95 -Higher Pension_Issue of Demand Letter reg dt 21-02-2025
EPS 95 -Higher Pension_Issue of Demand Letter reg dt 11-03-2025
EPS 95 -Higher Pension_Issue of Demand Letter reg dt 21-02-2025_Consent Letter
EPS 95 -Higher Pension_Submission of Demand Letter & Cheque in FEB &March reg dt 23-03-2025
EPS 95 -Higher Pension_Submission of Demand Letter & Cheque in FEB &March reg dt 03-04-2025
EPS 95 -Higher Pension_Submission of Demand Letter & Cheque in FEB &March reg dt 03-04-2025_Consent Letter
 EPS 95 -Higher Pension_Submission of Demand Letter & Cheque in FEB &March reg dt 03-04-2025_LIST
EPS95 - Acknoledgement - Feb & Mar
Cir 9-2025 (FA) Appointment of Statutory Auditors - FY 2024-25 - Reg dt 04-03-2025
Cir 10-2025 (BD) Enhancement of Fee for Gazette Notification - Reg dt 04-03-2025
Cir 11-2025 (BD) Introducing Mahila Samrudhi Trio Plan in connection with International Women's Day - Reg dt 04-03-2025
Mahila Plus Consumer Loan Aplication
Mahila Plus Consumer Loan Agreement
Mahila Plus Consumer Loan Schedue A Form
Mahila Plus Consumer Loan_further instructions dt 05-03-2025
Mahila Samrudhi Trio Plan- Top Ten Contest reg dt 07-03-2025
Mahila Samrudhi Trio Plan Weekly Contest Winners reg dt 18-03-2025 
Cir 12-2025 (BD) Acceptance of Salary Certificates of Permanent Employees of Sri.Nava Mukunda temple under Thirunavaya Devaswom - Reg dt 07-03-2025
Cir 13-2025 (BD) Upgrading Eravipuram Micro Branch to Normal- Reg dt 17-03-2025
Cir 14-2025 (BD) Malinya Mukta Nava Keralam Campaign - Implementation in KSFE - Reg dt 27-03-2025
Cir 14-2025 (BD) Malinya Mukta Nava Keralam Campaign - Implementation in KSFE - Reg dt 27-03-2025_Flux
Cir 15-2025 (BD) New Chitty Scheme KSFE Harmony Chitty 2025-26 - Reg dt 29-03-2025 
Achievers (Chitty TGT Achiever & NPD below 100) dt 04-03-2025 
Annual closing of accounts for FY 2024-2025 (Important points to be complied with at unit level) reg dt 05-03-2025
TO do list on 29-03-2025
Physical Verification of Fixed Assets in Branches reg dt 5-3-2025
Physical Verification of Fixed Assets FORMAT
Guidelines for initiation of RR action in CAMRA dt 06-03-2025
Assistants Transfer Order-Directions to relieve today itself dt 10-03-2025 
Chitty done in a FY exceeded 1000 cr reg dt 20-03-2025
Stock of Stationery (Printing items & Computer Forms) Statement caled for dt 15-03-2025 
Stock of Stationery (Printing items & Computer Forms) Statement caled for dt 15-03-2025_Computer Stationery with Rate
Stock of Stationery (Printing items & Computer Forms) Statement caled for dt 15-03-2025_PRINTED STATIONERY
Stock of Stationary Statement not subitted branches list dt 21-04-2025
KSFE Power App_Account linking request pending reg dt 15-03-2025
POWER APP PENDING AS ON 14.03.2025
15 G & H for the FY 2025-2026 reg dt 24-03-2025
Galaxy Chitty - Prize to Regions & Branches _Further guidelines dt 07-03-2025
Galaxy Chitty -Gift Card activation reg dt 25-03-2025
Finalization of Accounts for the year 2024-2025 Data called for dt 28-03-2025
Finalization of Accounts for the year 2024-2025 - Data Sheet
Change in TDS & 15G H in new FY reg dt  29-03-2025 
Time extended for remittance for Aashwas 2025 till 10-04-2025 reg dt 29-03-2025
Time extended for remittance for Adalat 2025 cases til 08-04-2025 reg dt 29-03-2025
Cir 16-2025 (BD) Accepting Salary Certificate of Consumer Fed as SREG reg dt 28-04-2025
Cir 17-2025 (BD) Gold Loan -Gold Security - Revised Norms - Reg dt 30-04-2025 
SSS (Bhadratha) & Revised Bhadratha (RBD) Scheme reg dt 01-04-2025
Tentative Seniority list of employees working in Subordinate cadre reg dt 01-04-2025
Festival Advance in connection with Vishu 2025 dt 04-04-2025 
Letter from MD dt 04-04-2025
KSFE Profile as on 31-12-2024
KSFE Galaxy Chitty_Prize to the Branches reg dt 07-04-2025
KSFE Galaxy Chitty_Prize to the Branches reg dt 07-04-2025_5
KSFE Galaxy Chitty_Prize to the Branches reg dt 07-04-2025_Above 10%
KSFE Galaxy Chitty_Prize to the Branches reg dt 07-04-2025_BELOW 100% NPD CLUB
EL Surrender Order for the FY 2025-26 _GO(P) 36-2025 FIN 
Transfer & Posting of Assistants_Immediate Relieve reg dt 07-04-2025
Management Representation Letter from HO dt 08-04-2025
Business Meet @ HO on 11-04-2025 reg dt 10-04-2025
A4_KSFE Business Meet 2025 
Say No to Drugs_Famiy Meet @ Regional Level_Letter from HO dt16-04-2025
Say No to Drugs_Famiy Meet @ Regional Level_Further Directions from HO dt 24-04-2025
Agents APP POS Paper roll distribution reg dt 21-04-2025
Right to information Act-2005 (RTI)_Annual Report called dt 25-04-2025
Right to information Act-2005 (RTI) _Format
Weekly Chitty Business Consolidation @ HO Level dt 26-04-2025
Distribution of Fuel Cards to Employees reg 29-04-2025 
RR & Non RR settlement details called reg dt 29-04-2025
Regarding RCM of Office Rent in GST dt 02-05-2025
RR of Sri.Rajeev CR reg dt 03-05-2025
Postings of Assistant General Managers (AGMs) dt 05-05-2025
List of Approved Institutions (SREG & SRNEG)
Agent App_POS Paper Roll distribution reg dt 07-05-2025 
Police Verification for the newly joined Assistants & OA reg dt 05-05-2025
Cir 18-2025 (BD) Restriction in accepting Third Party Property - Reg dt 05-05-2025
Cir 19-2025 (BD) Renewal of Interest rate of FD & CSDT reg dt 09-05-2025
KSFE Deposit New Ad  
Cir 20-2025 (GAD) Registering Rent Agreement of Branches-Offices - Reg dt 12-05-2025 
EPS 95 -Higher Pension_Demand Letter & Cheque Not Submitted in April & May (Last date 15-05-2025) reg dt 05-05-2025
EPS 95 -Higher Pension_Demand Letter & Cheque Not Submitted in April & May (Last date 15-05-2025) reg dt 05-05-2025_LIST
EPS 95 -Higher Pension_Submission of Demand Letter & Cheque in April reg dt 03-05-2025
EPS 95 - APRIL ACKNOWLEDGEMENT
Red Flag Customer Sri.Abu Thahir EA reg dt 09-05-2025 
Tentative Seniority list of test qualified assistants dt 11-04-2024 
Notice - God Loan exceeds 10000 crores reg dt 13-05-2025 
General Transfer of Managers Draft list Software error reg dt 16-05-2025 
General Transfer of Managers Draft list publishing reg dt 16-05-2025 
KSFE Galaxy Chitty S III Substitute for Gift Card reg dt 17-05-2025 
Further direction in Managers transfer reg dt 24-05-2025
Promotion as Manager Gr.IV dt 24-05-2025 
Special Gift to Agents for Better Performance in FY 2024-2025 reg dt 23-05-2025 
Agents details final list 
Cheque Pending beyond 7 days_instructions reg dt 24-05-2025
Progress Report of KSFE Harmoney Chitty S1 reg dt 26-05-2025 
Live Streaming through StreamNow App in Smart TV reg dt 26-05-2025 
StreamNow App Installlation Usermanual Playstore 25-06-2025 
No to Drugs Campaign_Circulating goverment letter reg dt 26-06-2025 
General Transfer of Assistant Managers Draft list Software error reg dt 24-05-2025 
Further direction in Managers transfer reg dt 29-05-2025 
KSFE Diamond Chitty State wise Prize distribution on 31-10-2025 @ HO TSR reg dt 30-05-2025
KSFE Diamond Chitty State wise Prize distribution on 31-10-2025 @ HO TSR reg dt 30-05-2025_Notice 
KSFE Diamond Chitty State wise Prize distribution on 31-10-2025 @ HO TSR reg dt 30-05-2025_Live Streaming 
NPD Progress from 31-03-2025 to 31-05-25 reg  
Posting of Liaison Officer reg dt 31-05-2025 
Posting of Assistant General Managers in HO reg dt 29-05-2025 
Posting of PA to MD reg dt 02-06-2025 
Gold Appraiser_Malayalam Agreement reg dt 02-06-2025 
Chitty Prior Sanction_Details called  reg dt 03-06-2025
EPS 95 -Higher Pension_Submission of Demand Letter & Cheque in May reg dt 03-06-2025 
Bakrid Holiday Resheduling reg (Chitty Auction) reg dt 05-06-2025
Appointment of new Valuers reg dt 18-06-2025 
Galaxy  Mega Draw Inclusion of chitty started after March 20 reg dt 16-06-2025 
Cir 21-2025 (FA) Profit & Loss and Balance sheet in respect of chit business for the year ended 31.03.2025 - Reg dt 10-06-2025
Estimated P&L Account for the FY 2025-26 Q1 dt 20-05-2025 
Cir 22-2025 (BD) Advertisement Budget for Branches & Regions 2025-26 - Reg dt 11-06-2025
Cir 23-2025 (IA&V) Reporting of Liabilities of Retiring Employees - Guidelines Issued - Reg dt 11-06-2025
Cir 24-2025 (BD) Strengthening the Functioning of Business Promoters - Reg dt 20-06-2025
Cir 25-2025 (BD) Acceptance of Salary Certificates of Permanent Employees of Matsyafed -  Reg dt 16-06-2025 
Cir 26-2025 (BD) Acceptance of Salary Certificates of Permanent Employees of C-apt - Reg dt 16-06-2025 
Cir 27-2025 (CS) Official language Malayalam reg dt 26-06-2025 
Cir 28-2025 (BD) KSFE Harmoney Chits Series-2 - Reg dt 01-07-2025 
Distribution of Fuel Cards to Employees reg dt 12-06-2025 
Distribution of Fuel Cards to Employees reg dt 12-06-2025_List 
Discontinuation of generating Spread sheet in Casba reg dt 18-06-2025 
Online meeting of Managers (Chitty not started branches)@ HO Level reg dt 02-06-2025 
Online Meeting of Branch Managers, AGMs & Business Managers at RO reg dt 18-06-2025 
General Transfer of Assistant Managers Draft list publishing reg dt 21-06-2025 
Online Meeting of Branch Managers, AGMs & Business Managers at RO_Further information reg dt 21-06-2025 
Online Complaint registration of Dell desktop computers reg dt 25-06-2025 
Fuel Card for Customers further instructions from HO dt 29-05-2025
Distribution of Fuel card to Customers_further directions from Planning reg dt 21-06-2025 
FUEL CARD USER MANUAL 
KSFE Harmony Chitty S II_Fuel Cards_Instructions reg dt 01-08-2025 
EPS 95_Cheque submitted but not cleared so far _details called reg dt 24-06-2025 
15GH Tracking based on PAN for FY 2025-2026 reg dt 24-06-2025 
Clarification from IG of Registration on Chitty Security release reg dt 04-07-2025
Form 16 A uploaded in Downloads for Q4 FY 2024-25 reg dt 04.07.2025 
Leave Request Entry in HRMS reg dt 04-07-2025 
Empaneling of Approved Valuers reg dt 05-07-2025 
Transfer & Posting of Assistant & Deputy Managers reg dt 05-07-2025 
Transfer & Posting of AMs & DMs_Relieving instructions reg dt 08-07-2025 
Strike 09.07.2025 - Notice 
Meeting of Branch Managers, AM (Admin) & AGMs on 02-08-2025 reg dt 14-07-2025
National Strike 9th July_Entering On Strike in HRMS reg dt 15-07-2025
National Strike on 09-07-2025_Leave entry in HRMS reg dt 04-08-2025 
POS Machine issued to KSFE Agents reg_Unused dt 16-07-2025 
Kerala Govt Notification No 5-108-2025-GAD dt 21-07-2025_Public Holiday_VS 
Chitty Prior Sanction_Details called  reg dt 23-07-2025
Customer Testimonials Videos_Data called reg dt 30-07-2025 
Details of Unpresented cheques reg dt 30-07-2025 
Cir 29-2025 (Recovery) Introducing New OTS Scheme Samaswas 2025 reg dt 05-07-2025
Cir 30-2025 (BD) Revision of Interest Rates for Various Schemes wef 16-07-2025- Reg dt 15-07-2025
Cir 31-2025 (BD) Modifications to the Functioning of Micro Branches - Reg dt 30-07-2025
Cir 32-2025 (BD) 'KSFE Onam Samridhi Gift Card' - Reg dt 16-08-2025
Extension of 'KSFE ONAM SAMRITHI GIFT CARD' Scheme - Reg dt 02-09-2025 
Change of Connected load in KSEB reg dt 04-08-2025
PRIOR SANCTION - AUGUST
 prior sanction GO 748
Fresh Appointments_Guidelines and Salary Processing reg dt 07-08-2025 
Employees PAN & Aadhar Linking reg dt 08-08-2025 
MD Letter to Employees dt 08-08-2025
MD Letter to Public dt 08-08-2025 
One Trillion Business - Celebration_instructions dt 08-08-2025
One Trillion Business - Celebration_further instructions dt 11-08-2025
One Trillion Business - Celebration_further instructions dt 11-08-2025_Badge
One Trillion Business - Celebration_further instructions dt 11-08-2025_Placard 
KSFE Standee 3x6 dt 13-08-2025 
Tender Notice for the sale of 2 desire car dt 11-08-2025
KSFE Staff Liability before Incentive details called reg dt 12-08-2025 
KSFE TAGLINE & OFFICIAL DECLARATION REG DT 12-08-2025 
KSFE TAGLINE & OFFICIAL DECLARATION REG DT 12-08-2025_WhatsApp Video 
Sad and Unfortunate Demise of our company employee reg dt 13-08-2025
Collecting Power of Attorney in Branches reg dt 14-08-2025
Independance Day 2025_Goverment Guidelines reg dt 14-08-2025 
Details called_Employee Default reg dt 12-08-2025 
Daily Chitty Enrolment details in Dashboard reg dt 18-08-2025
Sadbhavana Day Celebration reg dt 18-08-2025 
Onam Samrudhi Gift Card_Chitty Enrollment reg dt 19-08-2025 
RSC Amount upto 30-06-2025 Deposited in Thrissur District Treasury_Intimation reg dt 19-08-2025
RSC Amount upto 30-06-2025 GO
RSC Amount upto 30-06-2025 Letter from IG of Reg 
RSC Amount upto 30-06-2025  Confirmation from Treasury
RSC Amount upto 30-06-2025 Detailed List 
IOC Outlets - Harmoney Chits - dt 21-08-2025
List of IOC Outlets with Hoardings  Banners 
Cir 33-2025 (BD) 'KSFE Customer Onboarding Application reg dt 22-08-2025
Cir 33-2025 (BD) 'KSFE Customer Onboarding Application Usermanual 
Cir 34-2025 (BD) Directions Regarding Issue of Duplicate FD Receipt dt 23-08-2025
General Instructions to Branches & Offices from GAD reg dt 25-08-2025 
Est P&L account for the FY  2025-26 Q2 reg dt 26-08-2025
Compliance with IT Dept Instructions_Claim of Bogus exemptions or Deductions reg dt 30-08-2025
Cir 35-2025 (BD) Repayment Capability Assessment (RCA) Implementation in CASBA - Reg dt 02-09-2025
Cir 36-2025 (BD) Acceptance of Salary Certificates of Permanent Employees of KMRL - Reg dt 15-09-2025
 Cir 37-2025 (BD) Enhancement of Locker Rent - Reg DT 17-09-2025
 Cir 38-2025 (BD) Introducing Special Power of Attorney for Gold Releasing - Reg dt 18-09-2025
 Cir 39-2025 (BD) Changes in Gold Loan Premium Scheme from 24-09-2025 reg dt 22-09-2025
Onam 2025_Festival Allowance to Retired Employees reg dt 30-08-2025
Onam 2025_Festival Advance to Appraisers reg dt 01-09-2025
Onam 2025_Festival Advance to Door Collecting Agents reg dt 01-09-2025
Onam 2025_Festival Allowance to Appraisers & Agents reg dt 01-09-2025
Onam 2025_Festival Allowance to Appraisers reg dt 01-09-2025 
Onam 2025_Payment of Bonus or Special Festival Allowance FY 2024-25 reg dt 01-09-2025 
Onam 2025_Payment of Performance  Incentice to Employees reg dt 01-09-2025 
Onam 2025_Disbursement of Festival Advance to Employees_Further Instructions reg dt 02-09-2025
Onam 2025_Festival Advance to Employees_further directions reg dt 03-09-2025
Security Measures to be taken by branches before Onam Holidays reg dt 03-09-2025 
Requirement of Additional Diary reg dt 09-09-2025 
Transfer & Posting of AMs_Relieving Instructions reg dt 09-09-2025 
Enquiry through our Website_further instructions reg dt 10-09-2025
Notice-SLI & GIS_Monthly Deduction reg dt 11-09-2025 
Incentive Recovery_ Credit Note accounting reg dt 15-09-2025 
Accounting of GST Payment Voucher_While Purchase of a Fixed Asset dt 16-09-2025
Giving Mobile No & Email ID to SIB reg dt 22-09-2025 
KSFE Onam Samridhi Gift Card_Announcement of Winners_Branches reg dt 22-09-2025 
Chitty Prior Sanction_September_Details called reg dt 23-09-2025
Newly joined company employees from 01-09-2025_UAN Allotment and Activation - reg dt 23-09-2025
Changes in CASBA in Chitty Status change from Temporary to Permanent reg dt 26-09-2025 
Security Release of PBMS Scheme reg dt 27-09-2025 
Transfer order of Assistants_Extension the date for submitting the appeal in ETS reg dt 29-09-2025 
15 GH Uploading in Tax KSFE FY 2025-26 Q2 reg dt 03-10-2025
Implimenting of Host to Host Paying to Employees as a test case reg dt 04-10-2025 
Submission of Stationery requirements through Chetak Portal reg dt 06-10-2025
Submission of Stationery Chetak Portal Usermanual 
Electricity Connection_Ensure Proper Connect Load & Tariff reg dt 15-10-2025 
Fuel Card_Harmony Chit S I & S II_Details called reg dt 15-10-2025 
GO-Tax932-2025 KSFE to Draw Treasury Deposit Interest dt 16-10-2025 
Alert Note regarding Goldloan from GM(B) dt 17-10-2025 
Starting of E Office from all branches from 25-10-2025 reg dt 21-10-2025 
Introducing Positive Pay System (PPS) in Banks reg dt 27-10-2025 
Sticky Liabilities reporting reg dt 28-10-2025 
Updation of Stream Now Application reg dt 31-10-2025
Updation of Stream Now _Usermanual 
Congratulations Letter from MD_Achievement of KSFE Harmony Chitty S II reg dt 01-11-2025 
2025 Nov 6_56 th Birthday of KSFE_Pledge & Sweets reg dt 03-11-2025 
Non receipt of KSFE ID Card_Details called reg dt 04-11-2025 
Strike on 06-11-2025_General instructions to branches reg dt 04-11-2025 
Strike on 06-11-2025_Auction Postponement intimating to SRO reg dt 04-11-2025 
Conducting Customer Meet in Branches reg dt 06-11-2025
Customer Meet upto December 31 reg dt 13-11-2025
Customer Meet Banner reg dt 15-11-2025
Customer Meet Notice dt 15-11-2025
Customer Meet Standee
Customer Meet 2025_Note  dt 24.11.2025
Customer Meet 2025_Report called reg dt 24-11-2025
Customer Meet 2025_Report Format (Word)
Customer Meet 2025_Report Format (PDF) 
 Customer Meet-Brochure to all units reg dt 10-12-2025
Validity of Onam Samridhi Gift Card extended upto November 15 reg dt 07-11-2025
Chitty Prior Sanction_Details called reg dt 10-11-2025 
Confirmation of HOC RR Reconciliation 2024-2025 reg dt 10-11-2025 
Reneval of Insurence Policy_Details of Agents & Appraisers reg dt 11-11-2025 
Submission of Joining Reports and Mandatory Documents of Newly Appointed Employees reg dt 15-11-2025 
Cir 40-2025 (BD) Centralized Property Valuation System reg dt 09-10-2025
Cir 41-2025 (CS) 2025 Malayala Dinakhosham & Bharana Bhasha Vaaraghosham reg dt 25-10-2025
Cir 42-2025 (BD) Launch of KSFE Harmoney Chits Series-3 - Reg dt 01-11-2025
KHC S3_Banner_6x3_01
KHC S3_Banner_6x3_02
KHC-S3_A4_01 
Cir 43-2025 (BD) Direct Transfer through RTGS-NEFT to Sugama account - Reg dt 04-11-2025
Cir 44-2025 (BD) Relaxation for the Existing Norms of KPL - Reg dt 20-11-2025
Cir 45-2025 (BD) Implimentation of KSFE Swift Pay (New Pay-out System) in CASBA reg dt 02-12-2025
FAQ_KSFE_Swiftpay 
Usermanul_KSFE_Swiftpay dt 30-01-2026 
Cir 46-2025 (BD) Acceptance of Salary Certificates of Sahithya Academy, Lalithakala Academy & Sangeetha nadaka Academy - Reg dt 05-12-2025
Cir 48-2025 (BD) Revision of Inerest Rates - Reg dt 18-12-2025
Cir 49-2025 (BD) Acceptance of Salary Certificate - GIFT - Reg dt 18-12-2025
Beema Palli Uroos Local Holiday in 22-11-2025 reg dt 19-11-2025
Estimated P&L FY 2025-26 Q3 reg dt 20-11-2025
Updation of Service particulars in HRMS reg dt 20-11-2025 
SLI & GIS reg_Notice dt 20-11-2025 
CIRCULAR 15-2025 FESCA reg dt 21-11-2025 
Numbering of Fixed Assets_Modification reg dt 24-11-2025 
Sad & Unfortunate demise of our Company employee reg dt 25-11-2025 
General Election 2025_Rescheduling of Chitty Auction reg dt 27-11-2025 
On the Job Training to VHSE Students reg dt 28-11-2025
Onam samirdhi Gift Card 
Samaswasa Pension_details called reg dt 02-12-2025 
Updation of Service particulars and profile in HRMS reg dt 02-12-2025 
General Election 2025_Excluding minimum 2 staff members reg dt 03-12-2025 
Demise of our Company employee_murali dt 04-12-2025 
Salary certificate Revenue Recovery and DCRG dt 06-12-2025 
Renewal of Insurance cover to Agents & Appraisers reg dt 08-12-2025 
Notice_Implementation of KSFE Internship Scheme-2025  reg dt 09-12-2025
KSFE Internship Scheme 2025_Final 
Immediate Compliance Required_Relieving of Assistants reg dt 16-12-2025 
Notice_Festival Advance_Christmas 2025 reg dt 16-12-2025 
Salary Certificate Directions 
 Completion of De-Duplication reg dt 19-12-2025
15 GH Tracking Correction reg dt 19-12-2025 
Centralized Valuation System_Payment of Valuation Fee reg dt 22-12-2025 
Cir 50-2025 (P&HR) Retirement of Company Employees during the year - 2027 - Reg dt 22-12-2025
Cir 51-2025 (BD) KSFE Galaxy Chitty Mega draw Result reg dt 29-12-2025
KSFE Galaxy chitty Notice_Branch(1)
KSFE- Galaxy Chitty Poster_A3 
Christmas 2025_Disbursement of Festival Advance to Employees_Further Instructions reg dt 23-12-2025
GPAIS Renewal 2026- GO
New Year Cake Distribution reg dt 26-12-2025 
--- Circulars of 2024 ---
Cir 1-2024 (P&HR) Revision of Dearness Allowance dt 05-01-2024
Cir 2-2024 (BD) KPL Liability Verification by Branch - Region level - Reg dt 10-01-2024
KPL LIABILITY VERIFICATION Modified 28.12.2023
Cir 3-2024 (BD) Renewal of Insurance - Agents - Appraisers - Reg dt 10-01-2024
Cir 4-2024 (BD) Changes in the interest rate of Deposits - Loans - Reg dt 11-01-2024
NETTAM 8.25% - Notice & Stanady format reg dt 17-01-2024
NETTAM 8.25% - Notice & Stanady format reg dt 17-01-2024_Notice1
NETTAM 8.25% - Notice & Stanady format reg dt 17-01-2024_Notice2
NETTAM 8.25% - Notice & Stanady format reg dt 17-01-2024_Standee6x3
Cir 5-2024 (BD) Introducing new Gold Loan Scheme KSFE Max Gold Loan dt 17-01-2024
Cir 6-2024 (Recovery) Introducing Scheme SANJEEVANAM II from 01-02-2024 to 31-03-2024 - Reg dt 30-01-2024
Sanjeevanam2 Banner 6x3
Sanjeevanam2 Standee 6x3-2 
Sanjeevanam Image
Sanjeevanam2 Standee
Sanjeevanm II_Standee 6x3
Steps to be followed at Branch while taking SANJEEVANAM II collection in Loans dt 01-02-2024
Cir 6-2024 (Recovery) SANJEEVANAM II  to 15-04-2024 Reg dt 30-03-2024_Addendum 
Cir 7-2024 (BD) KDC 2.0 - Progress Report & Scheme extended upto 29-02-2024- Reg dt 01-02-2024
Addendum - Circular No.7-2024 (BD) dt 29-02-2024
GO for Effecting Salary Recovery dt 13-01-2024
Serious lapse from branches in Submitting reply in Audit reports reg dt 15-01-2024 
IADQC New Link
Republic Day 2024_Forwarding GO reg dt 25-01-2024
Supplier Name & GSTIN in GST Payment Voucher dt 31-01-2024
Estimated P&L Account for the FY 2023-24 Q4 dt 21-02-2024
CTB_Discontinuation from 31-03-2024 dt 27-02-2024 
Implimentation of File Tracking System (FTS) reg dt 27-02-2024
FTS Branch User Manual
FTS RO-Assistants User Manual
FTS RO-AM_Managers User Manual
FTS HO User Manual_Assistants
FTS HO User Manual_Officers
Cir 8-2024 (BD) Special Gold loan scheme for Women (Pink Gold loan)- Reg dt 28-02-2024
PINK GOLD LOAN NOTICE
PINK GOLD LOAN STANDEE
Cir 9-2024 (FA) Appointment of Statutory Auditors of the Company for the year 2023-24 - Reg dt 28-02-2024
Cir 10-2024 (P&HR) Inclusion of the Disease Chicken Pox Under Special Casual Leave - Reg dt 05-03-2024
Survey regarding KSFE dt 01-03-2024
Survey regarding KSFE dt 01-03-2024_Form
Notice - Stock of Stationery _Statement called dt 05-03-2024
Interest Concession_Details called dt 06-03-2024 
Unidentified Debits & Credits in Bank Recononciltion Statemnt-instruction dt 14-03-2024
Annual Closing of Accounts for FY 2023-24 Tips dt 14-03-2024
Attaining Target_Yearly turnover to 1 Lakhs Cr reg_Letter from MD dt 16-03-2024
Earned Leave Surrender reg dt 19-03-2024 
Staff Welfare - Scholarship for Higher Education reg dt 21-03-2024
Disbursement of Scholarship reg dt 22-03-2024
OA Tentative Seniority List 2024 dt 22-03-2024
Confirmation of Outstanding balance in loan accounts-directions dt 22-03-2024 
Staff liability details reg dt 22-03-2024
Amount Kept in GS for Interest Concession(part remittance) reg dt 27-03-2024 
KSFE Diamond Chittikal - Provision for prizes reg dt 30-03-2024
Below 100% NPD CLUB dt 31-03-2024
Checklist 30-03-2024 Year End
Yearly target achievers 2023-2024 dt 31-03-2024
Cir 11-2024 (BD) Changes in Business activity of Micro Branches - reg dt 23-03-2024
Cir 12-2024 (BD) Chitty canvassing expense-reforms- reg dt 25-03-2024
Cir 13-2024 (Legal) Standardized Proceedure for Legal Scrutiny Reports, roperty Scrutiny Reports & Duties of Panel Advocates & PTLAs dt 26-03-2024
Format - Legal Scrutiny Report 
Format-Property ScrutinyReport 
Cir 14-2024 (BD) Launching of New Chitty Scheme (KSFE Galaxy Chittikal)- reg dt 01-04-2024
KSFE Galaxy S1_Notice & Banner_Covering Letter dt 08-04-2024
KSFE Galaxy S1_Notice & Banner_Covering Letter dt 08-04-2024__Notice
KSFE Galaxy S1_Notice & Banner_Covering Letter dt 08-04-2024__Notice
KSFE Galaxy S1_Notice & Banner_Covering Letter dt 08-04-2024_Banner
Cir 15-2024 (BD) New Scheme NETTAM PLUS Deposit & Change in Interest rate of CSDT & Max GL - reg dt 09-04-2024
NETTAM PLUS Application
Nettam Plus 6 x 3 Banner dt 12-04-2024
Nettam Plus A4 size Notice dt 12-04-2024
Nettam PlusStandee 3x6
Festival Advance in connection with Vishu 2024 dt 01-04-2024 
MD's address to employees dt 01-04-2024
Smart - Android Television Installation at Branches-Offices - Reg dt 01-04-2024
Distribution of RSC APSTC and General Suspense reg_Letter from GM(F) dt 01-04-2024
Stock of Stationary called dt 02-04-2024
Instruction for illegal 15G&H dt 06-04-2024
Banning of unregistered Deposit Schemes Act -2019 dt 09-04-2024 
Festival Advance in connection with Vishu_Disbursement dt 11-04-2024
Service History Verification in Employee Transfer Solution (ETS) reg dt 11-04-2024
15G/H Uploading FY 2023-24 Q4 dt 12-04-2024
BELOW 100% NPD CLUB MEMBERS ason 15-04-2024
ETS_Service History Verification & Home District Updation in Employee Transfer Solution (ETS) reg dt 25-04-2024
Functioning of Android TV regarding_Google meet on 29-04-2024 @ 3PM dt 24-04-2024
Cir 16-2024 (BD) Changes regarding the Restrictions under Multi Division Chittikal dt 22-04-2024
Cir 17-2024 (BD) Advertisement Expenses - Branches and Regional offices - During the FY 2024-25 - Reg dt 22-04-2024
Cir 18-2024 (P&HR) Reconstitution of Internal Complaints Committees - Reg dt 02-05-2024
18-2024 (P&HR) amendment-act-2024-77-79
18-2024 (P&HR) Reconstitution of Internal Complaints Committees dt 02-05-2024_Sexual harass of women at workplace act 2013
18-2024 (P&HR) Erratum dt 06-05-2024
Daily Fund Balance Updation in CASBA Module reg dt 06-05-2024
Error in User Verification in KSFE ower App reg dt 06-05-2024
Buds ACT dt 08-05-2024
Buds ACT dt 20-05-2024
Display GSTN of KSFE in Branch premises reg dt 07-05-2024
Letter from HONDA reg Genset Servicing dt 07-05-2024
Cir 19-2024 (BD) Automation of Canvasing Commission Payment -reg dt 0-05-2024
Cir 20-2024 (Legal) RIA Act_Appellate Authority reg dt 16-05-2024
Cir 21-2024 (BD) KSFE New GL Scheme KSFE Premium Gold Loan - Reg dt 18-05-2024
Cir 22-2024 (BD) Interest revision of Gold Loan Scheme - Reg dt 20-05-2024
Cir 23-2024 (BD) Implementing New Deposit Scheme - VANDHANAM - Reg dt 23-05-2024
Vandanam FD Aplication Form
Vandanam FD Application Form_Malayalam 
Cir 24-2024 (BD) Modification to Multi Division Chitty Scheme - Reg dt 24-05-2024
Default closed through Interest Concession details reporting reg dt 17-05-2024
Employees Transfer Solution (ETS) Follow up action reg_Mail dt 17-05-2024
MobileApp_Pan Verification reg dt 17-05-2024
Property Documents releasing reg dt 21-05-2024
Property Scrutiny Note through RMS from 22-05-2024 reg dt 22-05-2024 
Precausions while payment of RSC and passbook Security dt 25-05-2024 
Prior Sanction Chitty details called dt 25-05-2024
Office Attandent (OA) Seniority List_Final dt 28-05-2024
Branch level Draw of KSFE Diamond Chitty reg dt 28-05-2024
Details of Chitty enrolled by agents in shown in Dashboard reg dt 28-05-2024
Employees transfer request_Option called through ETS dt 28-05-2024 
Est P&L account FY  2024-25 Q1 dt 28-05-2024
Tendative Seniority List of Test Qualified Assistants_Publishing reg dt 29-05-2024
Cir 25-2024 (FA) Profit & Loss account and balance sheet  - 31.03.2024 - Reg dt 24-05-2024
Cir 26-2024 (P&HR) General Transfer - Rules & Criteria - Reg dt 05-06-2024
Notice - Retirement - FB live on 31-05-2024 01 PM dt 30-05-2024 
Online Meeting of Managers on 06-06-2024 dt 01-06-2024
KSFE Diamond Chitty Mega draw reg dt 04-06-2024
Promotion as AGM (IC) dt 05-06-2024
Transfer & Posting of AGMs dt 05-06-2024
Publishing Form 16A 2023-2024 in Download Centre reg dt 10-06-2024 
Seniority List of Test Qualified Assistants publishing of reg dt 11-06-2024
General Transfer_Last date for submitting option reg dt 12-06-2024 
Issue of New ID Card regarding_Modification in HRMS dt 13-06-2024
Appointment of DGM (Recovery) reg dt 15-06-2024 
Use of CASBA Single Chelan & Carben Chelan reg dt 20-06-2024
Reconciliation & Confirmation of HOC (General) account 2023-24 reg dt 21-06-2024 
Guidelines for the functioning of Smart Television reg dt 22-06-2024
KSFE Power App Accounting Linking Approval Pending Request dt 22-06-2024
KSFE Diamond Chitty 2.0 Megadraw_Including Customers uto 31-03-2024 reg dt 24-06-2024
KSFE Diamond Chitty 2.0_Verification of Subscribers list for Megadraw reg dt 03-07-2024
High Tea reg dt 26-06-2024
Seniority list of OAdt 28-06-2024_Updated
Cir 27-2024 (P&HR) Relinquishment of Promotions - Directions issued - Reg dt 06-06-2024 
Cir 28-2024 (Legal) Revision of Fees paid to Panel Advocates - Reg dt 21-06-2024
Cir 29-2024 (BD) Commencement of KSFE Galaxy Chitty Series - 2 - Reg dt 01-07-2024
Galaxy Banner 6x3
Galaxy chitty S2_leaflet 21x28
Galaxy chitty S2_leaflet 21x28_page-0001
Chitty Business evaluation Meeting @ HO reg dt 21-06-2024
Contract agreement for Courier Services_Sree Gokulam Speed & Safe reg dt 27-06-2024
15 G/H Entry in Tax KSFE reg dt 01-07-2024 
High Tea - Re arrangement - Reg dt 05-07-2024
Non Prized Chitty_Substitution Limit 60 % to 65% Change reg dt 06-07-2024
New Identity Card_Updation in HRMS reg dt 09-07-2024 
Notice_Calculating Income Tax in FY 2024-2025 reg dt 09-07-2024
Alert Note (IA&V) dt 20-07-2024_Reg Agents Murali & Ouseph (Thrissur) 
Generator Service reg dt 20-07-2024
Inter Region liability_Documents needed in HO dt 20-07-2024
Cir 30-2024 (BD) Obtaining Chitty Prior Sanction - CASBA Integration - Reg dt 23-07-2024
Chitty Prior Sanction User Manual
Cir 31-2024 (BD) Pathanamthitta Region Adoor Branch Agent Sri.Saju A done malpractice reg dt 24-07-2024
Cir 32-2024 (BD) Kerala Artisans Development Cororation (KADCO) Salary Certificate in SREG Category reg dt 24-07-2024
KSFE Diamond Chiity & Diamond Chitty 2.0 Mega draw on 27-07-2024_Intimation dt 19-07-2024
DIAMOND CHITTY NARUKKEDUPPUBanner 6X3
KSFE Diamond Chitty Megadraw_Disply Banner in branches reg dt 24-07-2024 
Allowing Raincoat to KSFE Agents dt 23-07-2024
Requirement of Onakkodi in branches reg dt 29-07-2024
Appeal to Employees by MD_Wayanadu Disaster reg dt 31-07-2024 
Matured GL Renewal reg dt 31-07-2024
Non compliance of Recovery from Salary & DCRG reg dt 02-08-2024
Cir 33-2024 (BD) KSFE Diamond Chitty - Mega Draw Results - Reg dt 29-07-2024
Cir 34-2024 (Recovery) Introducing OTS ASWAS - 2024 - Reg from 01-08-2024 to 30-09-2024 reg dt 31-07-2024
Aswas_2024 _Usermanual 
Aaswas 2024 Concession extended upto 30-11-2024 reg dt 14-11-2024
Cir 35-2024 (GAD) -Requirement of additional Company diary dt 14-08-2024
CMDRF by Agents & Appraisers dt 07-08-2024 
Buds Act dt 06-08-2024_Kandala Service Coperative Bank dt 06-08-2024
Inactive Agents Termination reg dt 06-08-2024 
TERMINATION PROCEEDURE
Banning of unregistered Deposit Schemes Act 2019 reg dt 12-08-2024
Chitty Prior Sanction details called through CASBA dt 12-08-2024 
Independence Day Celebration - 2024 reg dt 12-08-2024
Distribution of Onakkodi_Directions dt 13-08-2024
Statutory Auditors Instructions dt 13-08-2024
Alert Note (IA&V) Fake Gold reg dt 17-08-2024 
KSFE Galaxy Chitty S II branchwise gift distribution Inauguration By CM on 19-08-2024 reg dt 17-08-2024
Inaguration Onakodi Boardc 5x3 1
Inaguration Onakodi Invitation
 KSFE Galaxy Chitty S 1_Prize winners_Agents (from 01-04-2024 to 31-07-2024) dt 22-08-2024
Procedure of Chitty Minutes filing in CASBA_User Manual
Est P&L account for the FY 2024-25 Q2 dt 22-08-2024
Contribution to CMDRF reg Notice dr 24-08-2024
Contribution to CMDRF reg Notice dr 24-08-2024_Format
Chitty Prior Sanction GO 787-2024-TAXES dt 27-08-2024
Chitty Prior Sanction through CASBA reg dt 29-08-2024 
Chitty prior sanction USER MANUAL updated
Additional Company Diary reg dt 30-08-2024
Cir 36-2024 (P&HR) Donation to CMDRF (Wayanad Disaster) - Reg dt 22-08-2024
Cir 37-2024 (BD) KSFE Galaxy Chitty Series II - Distribution of Onakkodi - Reg dt 27-08-2024
KSFE Galaxy Chitty S II_Starting the distribution of Onakkodi reg_Letter from AGM(Planning) dt 31-08-2024
Khadi Board Admin Portal User Manual
Khadi Board App User Manual
Khadi Board Showroom details 
Show Room Address list
Cir 38-2024 (GAD) Security Measures to taken by Branches,Offices During Onam Holidays - Reg dt 11-09-2024
Renewal of Max Gold Loan reg_Letter from MD dt 03-09-2024
Google Meet of Panel of Advocates by MD on 11-09-2024 Intimation dt 04-09-2024  
Onam 2024Festival Advance Application through HRMS dt 05-09-2024
Details of Staff Liability called till 31-08-2024_Letter from GM(F) dt 06-09-2024
Staff liability to Branch and SDT
Onam 2024 Disbursement of Festival Advance dt 09-09-2024
Festival Advance to Canvassing & Door Collection Agents reg dt 11-09-2024
Festival Advance to Gold Appraiser reg dt 11-09-2024
Festival Allowance to Retired Employees dt 11-09-2024
Payment of Performance Incentive to Employees for the FY 2023-24 dt 11-09-2024
Payment of Bonus & Spl Festival Allowance for the year 2023-24 dt 11-09-2024
Festival Allowance to Gold Appraisers (Removed & New) dt 12-09-2024 
Payment of Secial Festival Allowance reg dt 11-09-2024
SLI & GIS More Instructions dt 12-09-2024
Kandala Co operative Bank_details of liability called dt 23-09-2024
New POS Machine from Federal Bank reg dt 25-09-2024 
Settlement of PBNP cases in Aswas 2024 reg dt 25-09-2024
TDS Rate Change in Agency  Commission from 01-10-2024 Intimation reg dt 27-09-2024
Accounting of Credit Note related to Incentive Recovery reg dt 27-09-2024 
LWF_Scholarship reg dt 28-09-2024
Cir 39-2024 (BD) Introduction of Business Promoters - Reg dt 28-09-2024
Apointment of Business Executives reg_Invitation dt 25-09-2024
Invitation dt 25-09-2024_Whats App Status
Entering Details of Balance Sheet filing in CASBA reg dt 01-10-2024
Raincoat to Agents reg dt 01-10-2024 
Reconciliation of inter units accounts_Urgent steps to reconciling reg dt 04-10-2024
KSFE Galaxy S II_Review Meeting online on 15-10-2024 dt 07-10-2024
GST Payment asper RCM (Reverse Charge Mechanism) while making Office Rent Payment reg dt  09-10-2024
Chitty Prior Sanction details called dt 14-10-2024
Information regarding property sale dt 14-10-2024
Accounts & Outstanding of Sri CR Shaji reg dt 16-10-2024
Evaluation of KSFE Galaxy S II in HO reg dt 17-10-2024
KSFE Gold Loan Business crossed 7000 Cr reg dt 19-10-2024
Cir 40-2024 (BD) Salary Certificate Acceptance - Inclusion -Malabar Cements - Reg dt 22-10-2024 
Cir 41-2024 (CS) 2024 Malayala Dinakhosham & Bharana Bhasha Vaaraghosham reg dt 22-10-2024
Cir 42-2024 (FA) Profitability of Branches -Guidelines issued - Reg dt 22-10-2024_Format of profitability statement 2023-24
42-2024 (FA) Format of profitability statement 2023-24
42-2024 (FA) Profitability 2023-24
42-2024 (FA) Profitability 2024 data entry tips
Cir 43-2024 (FA) Restriction in Banking nature transactions reg dt 26-10-2024
POS MACHINE SAMMATHA PATHRAM
43-2024 (FA) One month relaxation dt 26-10-2024
43-2024 (FA)  Addendum dt 22-11-2024
43-2024 (FA) Restriction in Banking nature transactions reg dt 22-11-2024_Addendum dt 27-02-2024
43-2024 (FA) Restriction in Banking nature transactions reg dt 22-11-2024_Addendum dt 27-02-2024_Permission Letter
43-2024 (FA) Restriction in Banking nature transactions reg dt 22-11-2024_Addendum dt 27-02-2024_Standing Instruction Format
Cir 44-2024 (BD) November 6 - KSFE Day Celebration - Reg dt 0-10-2024
44-2024 (BD) Banner 55 anniversary 2024
Cir 45-2024 (BD) KSFE Galaxy Chittikal' Series 3 - Reg dt 01-11-2024
Banner galaxy 3x6
Galaxy chitty leaflet series 3 
Cir 46-2024 (Legal) POA (Power of Attorney) Uniform Format - Reg dt 11-11-2024
FORMAT OF POA dtd 11.11.2024 (Word)
FORMAT OF POA dtd 11.11.2024 (PDF)
Cir 47-2024 (BD) Introducing KSFE Agents App - Reg dt 13-11-2024
Distribution & Training of Agents App & POS Machine reg dt 05-11-2024
Working of Agents App Installed POS Machines reg dt 28-11-2024
INSTALLING PERIPHERAL APP
Activate Settle Batch Manual
Conducting Customer Meet 2024 dt 01-11-2024 
Invitation customer meet 
KSFE Customer Meet_backdrop 6x3
KSFE Customer Meet_Standee 3x6-1
KSFE Profile as on 31.10.2024 dt 05-11-2024
Note for Customer Meet dt 05-11-2024
Customer Meet_Report called by Planning dt 16-11-2024
Customer Meet_Report called by Planning dt 16-11-2024_Format Word
Customer Meet_Report called by Planning dt 16-11-2024_Format PDF
Payment of Advocate Bill_Instructions reg from Legal HO dt 03-11-2023
KSFE Galaxy S II_Evauation Meeting by HO (Online) dt 04-11-2024
Renewal of Insurance policy of Agents & Appraisers_Data called reg dt 05-11-2024
Region Wise Top Performed Agents from 01-04-2024 to 30-09-2024
Appointment of Sri.Sreekumar P as GM (B) reg dt 06-11-2024
Sevana Avakasa Act report called dt 13-11-2024
In RR Files_External Party as POA reg_Letter from DGM (Rec) dt 14-11-2024 
Promotion Test 2025 Provisional Eligibility List Publishing reg dt 14-11-2024
AM Test _Eligibility List
Manager Test _Eligibility List
On Job Training (OJT) to VHSE Students reg dt 18-11-2024
On Job Training (OJT) to VHSE Students Certificate
Banning of unregistered Deposit Schemes Act 2019 reg dt 20-11-2024
The Sexual Harassment of Women at Workplace (Prevention, Prohibition and Redressal) Act, 2013 (POSH Act)_constituting internal complaints committee reg dt 21-11-2024
FORMAT POSH ACT 2013
POSH 2013
Calendar Distribution list for 2025
Application form for appointment as DC AGENT in KSFE Ltd 08
AS 51 Details & Statement callled By DGM (Rec) dt 22-11-2024
Family membership certificate from Village Office reg dt 23-11-2024
Further Proceedings in RRC Return cases reg dt 27-11-2024
RRC returned cases reg dt 27-11-2024
Estimated P&L for Quarter 3rd 2024-2025 reg dt 28-11-2024
Insurence Protection to Appraisers & Agents_Final List forwarding reg dt 02-12-2024
Report called reg Duplicate Tittle Deeds reg dt 09-12-2024
Submission of Samrakshana Sammathamozhi for Compassionate Appointment reg dt 06-12-2024
Activating UAN (EPF) number reg dt 11-12-2024
Cir 48-20214 (BD) Introducing KSFE Smart God OD Scheme reg dt 11-12-2024
GOLD OD Usermanual
Gold Smart OD Standee new Malayalam 
Cir 49-2024 (GAD) Renaming of MANIMOOLI Branch - Reg dt 11-12-2024
Cir 50-2024 (P&HR) Retirement of Company Employees in 2026 - Reg dt 16-12-2024
Details called_Chitty Prior Sanction reg dt 12-12-2024
Distribution of Form 16A Letter FY 2024-25 Q1 & Q2 reg dt 12-12-2024 
ഭിന്നശേഷി അവകാശ നിയമം സംബന്ധിച്ച് dt 12-12-2024
Details of Unused Stongroom Doors, Safe Deposit Locker etc reg dt 13-12-2024 
Details of Unused Stongroom,, Reporting Format
Confirmation of HOC RR Reconciliation reg dt 13-12-2024
Distribution of KSFE Galaxy Chitty S III Gift Card reg dt 16-12-2024 
Gift Card User Manual dt 17-12-2024
Gift Card_Further Instructions dt 26-12-2024
Promotion Test 2024 - Notice -List of candidates aplied, Time & Date of test regdt 16-12-2024
Applicants list for the post of Manager Gr IV
Applicants list for the post of AM
New Year Cake Ditribution reg dt 17-12-2024
New Year 2025 Cake Ditribution_Sticker forwarding reg dt 28-12-2024
Notice on Change in Mobile Numbers of DGM (P&HR) & AGM (P&HR) - reg dt 17-12-2024
Conducting otherline business_Sanction accorded dt 19-12-2024
G.O(Ms)No.81-2024-TAXES dt 18-12-2024_For doing otherline of business to KSFE reg
Festival Advance 2024 Christmas Disbursement reg dt 20-12-2024
Submission of Nomination in GPAIS & GIS reg dt 23-12-2024
Special Drive for branches to clear default dt 27-12-2024
Cir 51-2024 (Recovery) Introducing Aaswas 2025_ OTS Scheme for default dt 31-12-2024
ASWAS Banner 6x3
KSFE Galaxy Chitty SII_Distribution of Onakkodi reg dt 31-12-2024
Duplicate of Tittle Deed (Sri Abid B.A) reg dt 09-12-2024  
eStamp-Generation and Distribution to the Public-Instructions to the Stamp Vendors from Treasury Director dt 16-12-2024
--- Circulars of 2023 ---
Cir 01-2023 (BD) Enhancement of Personal Surety Limits_Surety Norms dt 05-01-2023
Cir 02-2023 (P& HR) Scholarship to the children spouse of employees for the year 20222-23 dt 06-01-2023
Cir 03-2023 (P&HR) Revision of DA w.e.f. 01.01.2023 dt 06-01-2023
Change in Allotting Daily Passwords in CASBA dt 06-01-2023
Digital Diary Kerala 2023 with Important Phone Numbers
Digital Marketing Training_List called dt 10-01-2023
Forwarding of hard copies of RR files immediately to HO - reg_Letter from DGM(Rec) dt 10-01-2023
Notice regarding Income Tax Exemption in HRMS dt 16-01-2023
Transfers and postings of Assistants - kept in abeyance -reg dt 10-01-2023
Work Order or Assignment reg dt 09-01-2023
Updation of Service details in HRMS dt 20-01-2023
Collecting Data reg Financial Loss to Company and Correption reg dt 25-01-2023 
Employees retiring in 2024 - Liability called for dt 23-01-2023  
Notice_Republic Day 2023 reg dt 24-01-2023
Notice - Leave Statement dt 27-01-2023
Notice_Martyrs' Day reg dt 27-01-2023
Tentative Seniority List of test qualified Assistants- 2023 dt 30-01-2023
Delivering Daily Passwords of Permanent Employees in CASBA to their personal mobile number dt 30-01-2023
Data Collection in Pending Audit Query reg dt 31-01-2023
Delay in realization of Cheques -Final aleart-reg dt 31-01-2023
Cir 04-2023 (BD) Bhadratha Smart Chittikal 2022- Extension upto 28-02-2023 reg dt 31-01-2023
Cheque Clearance within 7 working days reg dt 03-02-2023 
Importance of timely clearance of Cheque reg dt 03-02-2023
Appointment of Asst.General Manager (Legal) dt 04-02-2023 
CUG mobile directory dt 04-02-2023
General Transfer 2023_request through HRMS dt 04-02-2023
Exhibiting Bhadratha Smart Chitty Banner (5Nos) reg dt 07-02-2023
Non Receipt of Audit Report from IAD Teams reg dt 09-02-2023
Notice_Entering Service Particulars in HRMS reg dt 09-02-2023
Banning of Unregulated Deposit Scheme Act -2019 reg_Letter from AGM(T), TVM(R) dt 13-02-2023
Details of Office Premises called for dt 13-02-2023 
Printing & Distribution of Notice with Newspapers-Reg dt 14-02-2023
NOTICE A
NOTICE B
NOTICE C
Seniority List of Subordinate Staff qualified in the PSC test dt 08-02-2023
Seniority list of test qualified  Assistants dt 14-02-2023
Cir 05-2023 (BD) Acceptance of  salary certificate of permanent employees of  KSDPLtd dt 10-02-2023
06-2023 (BD) Changes in Personal Surety Norms_Professionals have minimum salary of Rs.75000 reg dt 13-02-2023
New Chitty Enquiry_Tracking new method dt 16-02-2023
General Transfer 2023_Extension of last date reg dt 21-02-2023
OA Final seniority list_Seniority list of Employees in Cadre of Subordinate Staff Who Qualified the Eligibility Test of PSC dt 20-02-2023
Earned Leave Surrender Clarification Order dt 25-02-2023.
Earned Leave Surrender for the FY 2022-23 dt 28-02-2023 
Notice - Jeevan Reksha Scheme (GPAIS) Modification reg dt 27-02-2023
Est P&L account FY 2022-23 Q4 dt 28-02-2023
Points to note during March-directions dt 01-03-2023 
Vidyasree Default_Clarification dt 07-03-2023
Banning of Unregulated Deposit Schemes Act -2019_Account Freesing reg dt 03-03-2023 
Staff welfare – Scholarship to the children & spouse of company employees for the year 2022-23 reg dt 08-03-2023
Stock of Stationery (Printing items and Computer forms)-Statement called for -reg dt 08-03-2023 
Stock of Stationery - Appendix A
Stock of Stationery - Appendix B
Cir 07-2023 (Taxes) TDS Deduction - PAN wise TDS category Bulk Updation dt 25-02-2023 
Cir 08-2023 (BD) Revision of Interest rates of deposits and loans
Cir 09-2023(BD) - SANJEEVANAM- Non Prized Default Clearing
Sanjeevanam Cash remittance details and Region Target dt 04-03-2023
Sanjeevanam Consolidation 08.03.2023
Sanjeevanam NPA Letter Format - Branch 
Mar-07_Sanjeevanam 6x3
Sanjeevanam BRANCHES Poster  
Sanjeevanam Letter
Earned Leave Surrender for the FY 2022-23
CASBA Updation reg dt 16-03-2023 
Instructions from HO (IT) (To Do after CASBA Server Updation) dt 16-03-2023
Instructions from HO (IT) (To Do after CASBA Server Updation) dt 17-03-2023
Cir 10-2023 (BD) BSC 2022- Period Extension upto 20-03-2023 dt 28-02-2023
Cir 11-2023 (BD) SAMATHA Gold Loan for Women dt 07-03-2023
Samatha Gold Loan Banner 6x3_Final
Samatha Gold Loan Branch wise Target dt 07-03-2023
Samatha Gold Loan Notice A5_Final 
Samatha Gold Loan Region wise Target dt 07-03-2023
Cir 12-2023 (BD) Revised Guidelines for accepting Property Security in the name of Firms & Corp Companies reg dt 13-03-2023 
Cir 13-2023 (BD) Extension of KSFE Bhadratha Smart Chitty 2022 to 22-03-2023 dt 20-03-2023
Cir 14-2023 (Tax) Tracking 15 G 7 15 H new Method from 01-04-2023 reg dt DT 21-03-2023 
CIR 14-2023 PANWISE TRACKING SCREEN SHOT PDF -1 
TDS CATEGORY BULK UPDATION 
GST On Forfeited Veethapalisa Income reg dt 21-03-2023 
TDS on KSFE Sugama, SSA and OD Accounts reg dt 22-03-2023 
Annual closing of accounts for FY 2022-23 (Important points to be complied with at unit level) Reg dt 24-03-2023 
Handbook on Annual Closing 2022-23 ( TVM RURAL)
Notes for Annual Closing_RO MPM
Notice - EPS 95_Option for Higher Pension_Instructions dt 27-03-2023
Notice - EPS 95_Option for Higher Pension_Further Instructions dt 28-03-2023
Notice - EPS 95_Option for Higher Pension_Further Instructions dt 28-03-2023_List of Employees - Emp Code Order
Notice - EPS 95_Option for Higher Pension_Further Instructions for those who joined before 1989 dt 30-03-2023
Notice - EPS 95_Option for Higher Pension_Further Instructions for those who joined before 1989 dt 30-03-2023_Annexure 
KSFE Bhadratha Smart Chitty 2022_Target Achievement_High Tea reg dt 25-03-2023
General Suspense - GMF dt 30-03-2023 
Wrong 15G & 15H to Income Tax Department_Letter to Customers reg dt 31-03-2023
Cir 15-2023 (BD) PBMS Scheme - Discontinued dt 31-03-2023 
Cir 16-2023 (BD) Sanjeevanam Scheme - Extended upto 30-04-2023 dt 31-03-2023
Deferment of Periodical Surrender of Earned Leave till 30-06-2023 dt 31-03-2023 
Festival Advance in connection with Vishu 2023 reg dt 31-03-2023 
Points to remember in new FY 2023-2024 in TDS & GST_Letter from GM(F) dt 01-04-2023 
Security measusres - Easter Holidays 2023 dt 03-04-2023
Notice-Vishu 2023_Festival Advance published in HRMS dt 11-04-2023
HRMS - Income Tax Refund roll dt 05-04-2023
FESCA - Circular No 08-2023 dt 11-04-2023
FESCA - Common Conditions for Regional Arts Festival dt 25-04-2023
FESCA - Additional Conditions for Regional Arts Festival dt 27-04-2023
Cir 17-2023 (BD) New Scheme_KSFE Diamond Chits dt 17-04-2023
KSFE Dimond Chitty 2023 - Inauguration Notice dt 13-04-2023
KSFE Diamond Chitty 2023_Banner 6x3
KSFE Diamond Chitty 2023_leaflet two side
KSFE Diamond Chitty -Bannerr, Notice
KSFE Diamond Chitty -Banner, Notice_Instruction dt 18-04-2023
Notice - Leave Accrual in HRMS reg dt 12-04-2023
Resumption Certificate from Treasury reg dt 25-04-2023
FESCA - Invitation dt 03-05-2023
FESCA Inauguration @Thrissur Invitation dt 09-05-2023_Letter 
Details of Rent paid during FY 2022-2023_Letter from AGM(GAD) dt 09-05-2023
Posting of PA to MD_Gopakumar G dt 18-05-2023 
Sanjeevanam_Details from HO dt 19-05-2023
Cir 18-2023 (Legal) Property security - Submission of Original prior documents within 13 years - amendments - Reg dt 11-05-2023
Cir 19-2023 (FA) Acceptance of Currency notes of Denomination Rs.2000 - Directions dt 20-05-2023
Disposal of old papers_Directions from GAD dt 22-05-2023
Gold Loan Disbursement Branchwise dt 22-05-2023
Samatha GL Draw @ HO TSR on 26-05-2023 dt 23-05-2023
Cir 20-2023 (BD) Malpractice of Canvassing agent - Sri.Sunil.S (Ayyanthole branch)- Reg dt 24-05-2023
Cir 21-2023 (IA&V) A software tool for finding out Defaulters dt 27-05-2023
Cir 22-2023 (BD) Company Yearly Target & Amount spend for advertisement for Branches & ROs dt 30-05-2023
Cir 23-2023 (BD) Samatha Gold Loan Mega draw Result dt 30-05-2023
Cir 24-2023 (BD)  Salary Certificate Acceptance - Inclusion - Mammiyur Devaswom  dt 31-05-2023
Cir 25-2023 (BD)  Salary Certificate Acceptance - Inclusion - Kerala Clays & Ceramic Products Ltd dt 31-05-2023
Cir 26-2023 (FA) Profit and loss account and balancesheet in respect of Chit Business for the year ended 31-03-2023 dt 07-06-2023
Cir 26-2023 (FA) Profit and loss account and balancesheet Annexure
Cir 26-2023 (FA) Profit and loss account and balancesheet Annexure2
BSNL FTTH Connection to our Branch_Board Sanction accorded dt 23-05-2023
Invitation Letter_Samatha Gold Loan_Mega Draw dt 25-05-2023
LuckyDraw_Samatha_Banner_6x3-1 dt 24-05-2023
Est P&L account FY  2022-23 Q1 dt 30-05-2023
Buds Act DT 12-06-2023
Present Status of Court cases and Police cases pending in branch_called dt 13-06-2023 
Prior Sanction details called from Business dt 13-06-2023
Dash Board reg dt 15-06-2023
Exemption in Duty Time to Parents having 40% more disable Children reg dt 19-06-2023
FESCA Kalolsavam 2023 - Invitation
CDRC Cases Special Instructions reg dt 22-06-2023
HOC RR Reconciliation 2022-23- confirmation reg dt 22-06-2023
BUDS Act - Details to be Furnished dt 23-06-2023
Cir 27-2023 (FA) Profitability of branches - Guidelines issued to arrive at actual operational results for FY 2021-2022 reg dt 19-06-2023 
27-2023 (FA) Profitability of branches - Annexure
Cir 28-2023 (IT) Office Computer & Other IT items Scap Sales reg dt 30-06-2023 
28-2023 (IT) Annexure 
Cir 29-2023 (BD) Enhancement of limit of Chitty Loan upto 2 Crores dt 30-06-2023
CHITTY BRANCHWISE dt 30-06-2023
GOLD BRANCHWISE 30-06-2023
GOLD LOAN 20 Cr Club
NHFS BRANCHWISE 30-06-2023
NPD BRANCH WISE LIST WITH SALA 5 Cr.Above dt 30-06-2023
NPD BRANCHWISE LIST WITH SALA 1 Cr.Above & Below 5 Cr dt 30-06-2023.
NPD BRANCHWISE LIST WITH SALA Below 1 Cr dt 30-06-2023.
Contract Agreement for Courier Services with Professional Courier dt 01-07-2023
15GH Upload FY 2023-24 Q1  dt 01-07-2023 
FORM 16A for FY 2022-2023 to Customers dt 01-07-2023
Notice Earned Leave surrender dt 01-07-2023 
GO(P) No.65-2023-Fin DT 27-06-2023 - New Salary Certificate Norms
FESCA - Notice - State Performance Marks dt 02-07-2023
KSFE Diamond Chitty_New Advertisement Materials forwarding reg dt 10-07-2023
KSFE Diamond Chitty_7x3 Banner
KSFE Diamond Chitty_Family Leaflet
KSFE Diamond Chitty_Leflet
Linking of PAN & Aadhar reg dt 15-07-2023
Linking of PAN & Aadhar reg dt 15-07-2023_INOPERATIVE PAN
Cir 30-2023 (P&HR) Enhancement of DA to 38% dt 19-07-2023 
Cir 31-2023 (GAD) Uniforms to Part Time Employees reg dt 19-07-2023
Cir 32-2023 (BD) To include chitties registered from 01-04-23 as part of KSFE Diamond Chittikal dt 20-07-2023
Cir 33-2023 (BD) Delegation of Powers in Micro Branches - Reg dt 25-07-2023
Modification in Payment Voucher & GST Payment Voucher reg dt 21-07-2023
Transfer and Posting of AMs & DMsRelieving of Incumbents reg dt 26-07-2023
EHL Certificate download reg dt 27-07-2023
Buds Act dt 27-07-2023
Buds Act dt 03-08-2023 
Installation of SOC Agent_Instructions from IT dt 03-08-2023 
Mega Draw Intimation of Low Key Campaign 2022 & KSFE Bhadratha Smart Chitty 2022 @ TVM on 09-08-2023 dt 04-08-2023
Mega Draw FB Live on 09-08-2023_Letter from Planning dt 07-08-2023
Mega Draw Intimation Banner 6x3
Mega Draw Intimation Banner 6x3 PDF
Megadraw_Low Key 2022 & Bhadratha Smart Chitty 2022_Final List reg dt 08-08-2023
Notice - Bhadratha Smart Chittikal 2022_Mega Draw_Including Chitties registered upto 31-03-2023 Reg dt 07-08-2023
Notice_Youtube Live of function @ 09-08-2023_Instructions from RO dt 07-08-2023
FESCA Circular 10 - 2023 dt 07-08-2023_Pookkalam
Reconciliation of HOC & ROC_Furnishing of data reg dt 07-08-2023
MD's Message regarding Gold Loan dt 08-08-2023 
Notice - Transfer Request through HRMS upto 19-08-2023 dt 10-08-2023
Forwarding of Hand Book on RTI Act 2005 by IMG TVM 2022 by Legal dt 08-08-2023
Hand Book on RTI Act 2005 by IMG TVM 2022
Managers Conference @ HO within frst week of September dt 14-08-2023
Notice_Independance day dt 14-08-2023
Notice_Sadbhavana Diwas 2023 dt 17-08-2023
Cir 34 -2023 (BD) New Scheme Onappudava from 17-08-2023 to 25-06-2023 dt 11-08-2023
Cir 34-2023 Annexure
Onappudava Banner
Cir 35-2023 (BD) Confirming salary details of Permanant employees - Instructions - Reg dt16-08-2023
Cir 36-2023 (BD) KSFE Bhadratha Smart Chittikal 2022 & Low Key Campaign - List of Prize Winners - Reg dt 16-08-2023
Cir 37-2023 (GAD) Printing & Supply of calendar and diary for the year 2024 - Requirement of additional Company diary - Reg dt 17-08-2023
Accounting of GST Payment Voucher (Goods) dt 17-08-2023
Notice - Festival Advance dt 16-08-2023 
TDS Caterory Updation in Sugama & SSA Accounts dt 21-08-2023
Onetime Settlement of Removal & Substitution filing reg dt 21-08-2023
Payment of Bonus & Special Festival Allowance for the year 2022-2023 reg dt 22-08-2023
Onam 2023 - Festival Allowance - Retired Employees dt 22-08-2023
Onam 2023 - Payment of Special Festival Allowance to Appraiser and Agents dt 22-08-2023
Chitty Prior Sanction details called dt 23-08-2023 
Est P&L account FY 2022-23 Q2 dt 23-08-2023
Onam 2023 - Disbursement of Salary for the month of August 2023 in Advance dt 24-08-2023
Notice - Disbursement of Festival Allowance through HRMS dt 23-08-2023
Buds Act dt 23-08-2023
Buds Act dt 04-09-2023
Onam 2023 - Advance to Agents dt 22-08-2023
Onam 2023 - Advance to Gold Appraiser dt 22-08-2023 
Payment of Performance Incentive to Employees for the FY 2022-2023 dt 25-08-2023
Onam 2023 - Advance Salary to Appaiders dt 26-08-2023
Cir 38-2023 (GAD) Security Measures to be taken during ONAM holidays 2023 - Reg dt21-08-2023
Cir 39-2023 (BD) Modification of Agency System & Commission - Reg (CVL & KHL) dt 01-09-2023
Notice_Default of Company Employees - Reg dt 01-09-2023
Transfer & Posting of AMs & DMs_Relieving order dt 01-09-2023
Delay in Filing removal and Substitution_One month time for filing dt 04-09-2023
Notice - Incentive recovery reg dt 08-09-2023
HRMS - Personal details of Employees reg dt 13-09-2023
Convening of meeting with Branch Managers and AM (Admin) @ HO on 16-09-2023 dt 11-09-2023
Forwarding of Handbook on RTI Act 2005 by IMG TVM 2022 dt 08-08-2023
Handbook on RTI Act 2005 by IMG TVM 2022
FESCA Circular 11- 2023 dt 14-09-2023_Athapookkalam Result
RR Steps started cases in branches reg dt 15-09-2023
FESCA Circular 12-2023 Chess, Carroms  Badminton Competetitions reg dt 27-09-2023
Details of Chitty or Loan closed under interest waiver scheme reg dt 07-09-2023
Buds Act dt 16-09-2023
Cir 40-2023 (BD) KSFE Pravasi Chitty - Renewal of Directions to Branches & Regional offices dt 19-09-2023
Cir 41-2023 (GAD) Purchase of Smart Phone not exceeding Rs.10000- to all branches dt 20-09-2023
Cir 41-2023 (GAD) Purchase of Smart Phone not exceeding Rs.10000- to all branches dt 20-09-2023_Further Clarification dt 06-10-2023
Cir 42-2023 (BD) Stoppage of Emergency protection  imposed to Chitty subscribers - Reg dt 26-09-2023
Cir 43-2023 (BD) Change of Procedures for acceptance of Gold loan & Security Appraiser Fee, Appraiser Appointment etc dt 30-09-2023
Cir 44-2023 (FA) Profitability of branches - Guidelines issued -Reg dt 07-10-2023
44-2023 (FA) Profitability of branches - Annexure
Notice - SLI & GIS Reg dt 15-09-2023
BSNL VPN over FTTH Connection reg dt 20-09-2023
Shifting of holiday from 27-09-2023 to 28-09-2023 reg dt 26-09-2023
Postponement of Chitty Auctions on 27-09-2023 & 28-09-2023 to 29-09-2023 reg dt 26-09-2023_Letter from HO
15G/H Uploading FY 2023-24 Q2 29.09.2023 letter  
KSFE Diamond Chitty Target Achievement reg_Letter AGM (Business) dt 27-09-2023
Those who have remitted cash in GS Account for Interest Concession reg dt 30-09-2023
Starting of Agent Bhadratha Sugama Account reg dt 03-10-2023
Launching of Mobile Application on October 11_Live Streaming reg dt 07-10-2023
GOLD LOAN BRANCHWISE ason 30-09-2023 
LWF_Scholarship 2023-2024 dt 09-10-2023
Fresh RRC in RRC Cancelled cases reg dt 12-10-2023 
Non linking of Aadhar with PAN_TDS Deduction reg dt 20-10-2023
Cir 45-2023 (BD) Announcement of new chitty scheme (KDC 2.0) during the second phase of FY 2023-24 -Reg dt 09-10-2023
45-2023 (BD) Addendum KDC 2.0_Prize to branches & Regions for Excess business Reg dt 04-12-2023
Cir 46-2023 (IT) Mobile App- KSFE POWER reg dt 10-10-2023
KSFE mobile app (Admin) Usermanual
Cir 47-2023 (BD) Obtaining Prior Sanction for commencung chitty from Govt reg dt 27-10-2023
Cir 48-2023 (CS) Malayala Bhasha dinam_Bharana Bhasha Dinam reg dt 27-10-2023
Cir 49-2023 (BD) KSFE Compaign - 'Power App Punch' - Reg Dt 31-10-2023
Cir 50-2023 (BD) November 6 - KSFE Day -Reg dt 03-11-2023
KSFE_Day_Banner_6x3_New
Evaluation of GL business dt 08-11-2023
Cir 51-2023 (Recovery) Implementation of RMS (Receivables Management System) Reg dt 30-11-2023
Details of Appraiser called for dt 27-10-2023
Agency system - Terms & Conditions - Reg dt 27-10-2023 
GS,RSC,APSTC & Salary Recovery amount if any should transfer to SDT reg dt 28-10-2023
Add GSTN in Customer Register reg dt 30-10-2023
HRMS-update of personal details
Payment of Advocates bill reg dt 03-11-2023 
Regional Level Marketing Team (RLM) Start functioning reg dt 06-11-2023
Inoperative PAN -TDS category Updation Dt 9-11-2023 
On Job Training (OJT) to VHSE Students in our branches reg dt 10-11-2023
Mob App Branchwise Consolidation (09.11.23) Consolidation
PBMS Project details called for dt 13-11-2023
Renewal of Insurence_Details of Agents & Appraiser caleed for dt 14-11-2023
Yearly target achievers 2023-24 dt 15-11-2023
Notice_Income Tax Computation for the Financial year 2023-2024 for the employees - reg dt 21-11-2023
Mob App Consolidation 25.11.23
Est P&L account FY  2023-24 Q3 dt 23-11-2023 
FESCA -- CHESS - CAROMM TOURNAMENT -   INVITATION CARD
FESCA Circular 13-2023 Conducting State Level Competitions in Chess and Carroms dt 07-11-2023
FESCA Circular 14-2023_Chess & Carroms Winner dt 20-11-2023 
FESCA Circular 15-2023_Compatetion Result dt 22-11-2023
Buds Act dt 14-11-2023
Buds Act dt 23-11-2023
Balance in Appraisers fee payable reg dt 25-11-2023
POWER APP 100 % Acheivers dt 25-11-2023
GPAIS Premium deduction reg dt 28-11-2023 
Insurance Ptotection to DC Agents & Apraisers_Publishing Final List reg dt 29-11-2023
Insurance Ptotection to DC Agents & Apraisers_Annexure
FB Live by Chairman on 01-12-2023 @ 11 AM dt 30-11-2023
POWE APP FINAL dt 30-11-2023
New Softwares reg_Letter from IT dt 02-12-2023 
Report Called for Delay in Courier Service dt 05-12-2023
Festival Advance in connection with Christmas 2023 dt 07-12-2023
PBNP Calculation sheet from HO dt 07-12-2023
Human Rights Day Pledge reg dt 08-12-2023 
KSFE - Agent App -Reg dt 08-12-2023
Letter to Agents reg dt 08-12-2023
Cir 52-2023 (BD) Campaign Power App Punch_Announcing Results dt 06-12-2023
Cir 53-2023 (P&HR ) Accepting application for EHL,AHL,EVL - Revised norms - Reg dt 08-12-2023
Cir 54-2023 (P&HR ) Retirement of Company Employees - Reg dt 08-12-2023
Addendum - Circular No.54-2023 (P&HR) Retirement in 2025 dt 28-12-2023
Cir 55-2023 (IA&V) Renaming & Rearranging of IAD Teams RO Wise reg dt 12-12-2023
Automated call to Subscribers in RMS_DC Suspense Tr reg dt 12-12-2023
Installation-Browser-RMS
RMS User Manual dt 01-12-2023 
RMS Usermanual_ dt 05-12-2023
RMS User Manual Update dt 11-12-2023
RMS User Manual_Updated dt 14-12-2023
RMS User Manual updated dt 22-12-2023
Insurance Protection to DC Agents & Apraisers_Publishing Final List reg dt 06-12-2023
Insurance Protection to DC Agents & Apraisers_Annexure
Credit Balance in Appraiser fee Payable as on 30-11-2023
Automated call in RMS_DC Suspense transfer before 2PM reg dt 18-12-2023
Cir 56-2023 (Recovery) Initiation of RR action in CAMRA from 21-12-2023 to 31-01-2024 dt 21-12-2023
Annexure - Circular No.56-Initiation of RR in CAMRA portal
Cir 57-2023 (BD) Revised Appraiser Fee wef 01-01-2024- Reg dt 26-12-2023
Cir 58-2023 (P&HR) Staff welfare - Scholarship - 2023-24 - Applications called for dt 26-12-2023 
Cir 59-2023 (BD) Personal surety - Accepting GDS (India Post Department) - Inclusion - Reg dt 26-12-2023 
NOTICE -Distribution of New Year Cake 2024 reg dt 21-12-2023
NOTICE -Distribution of New Year Cake 2024 reg dt 21-12-2023_Annexure
KPL Liability Verification_Software Pilot Testing reg dt 26-12-2023
KPL Liability Verification_Swift RCL_User Manual dt  26-12-2023
GPAIS & GIS_Submission of Nomination - Reg dt 28-12-2023
YEARLY TARGET ACHIEVERS AS ON 28.12.23
15G/H Uploading FY 2023-24 Q3 30.12.2023 letter 
Reconciliation of HOC & ROC reg dt 27-12-2023
--- Circulars of 2022 ---
Cir 01-2022 (P&HR) Special leave for Covid 19_further Instructions & GO dt 01-01-2022
Cir 02-2022 (BD) Chitty Business reg Circular & Consolidation of Business dt 05-01-2022
Cir 02-2022 Chitty Business Consolidation  as on 05.01.2022
Cir 03-2022 (P&HR) Retirement of Company Employees in 2023 dt 12-01-2022
Cir 04-2022 (P&HR) Scholarship to the children-spouse of company employees dt 12-01-2022
Cir 05-2022 (BD) KSFE Ajayya Gold loan scheme for Ladies only dt 12-01-2022
Ajaiya Gold Loan - Declartion and Data Upload dt 21-01-2022
Ajayya GL Declaration format
Ajaya gold loan leaflet (Notice)-1
Ajayya Gold Loan -Notice & Banner forwarding reg dt 14-01-2022
KSFE ajaya gold loan Banner 6x3 2-2
Cir 06-2022 (BD) Withdraw of Form of Undertaking-reg dt 13-01-2022
Conversion of TPA Account into TSB(Institution) Final Confirmation_Letter from GMF dt 11-01-2022
15G/15H CSV File Upload Directions 12.01.2022
PBMS-Promoting PBMS Scheme by branches - reg_Letter from MD dt 06-01-2022
Cir 07-2022 (BD) GPA Insurance Policy for Agents & Appraisers reg dt 13-01-2022
Cir 07-2022 (BD) Annexure 
G P A Insurance Policy Certificate of Appraisers & Agents
Cir 08-2022 (RECOVERY) RR Initiation by the Branches-Directions dt 15-01-2022
Cir 09-2022 (P&HR) COVID-19-New Directions from Goverment dt 18-01-2022
Cir 10-2022  (P&HR)  COVID-19-Containment-New Directions-reg dt 21-01-2022
Cir 11-2022 (BD) Accepting Salary Certificate of KCHR Employees-reg dt 21-01-2022
Cir 12-2022  (P&HR)  Special Casual Leave on Quarantine -New guidelines - Reg dt 24-01-2022
Cir 13-2022  (P&HR)  Revision of Dearness Allowance-Reg dt 24-01-2022
Cir 14-2022 (BD) Property Acceptance - Valuation & Sanction Limit - Reg dt 28-01-2022
Pay Revision (2017) - Disbursement of Arrears(3rd Instalment) dt 15-01-2022
Ashwas 2021-Settlement of Non Prized Accounts-Clarification-reg dt 21-01-2022
Aaswas 2021- Date Extension upto 28-02-2022 dt 31-01-2022
TDS Exemption under sec 194A_Letter & Notification from GM(F) dt  27-01-2022
Cir 15-2022 (TAX) Procedures on Accepting FD-CSDT-STD-Sugama Deposits - Reg dt 03-02-2022
TDS ON INTEREST AT A GLANCE dt 07-02-2022
Cir 16-2022 (P&HR) COVID-19-New Directions from Government - Reg (WFH) dt 07-02-2022 
15G or H Update Report in  CASBA PAN wise dt 28-01-2022
Cash Chellan reg_Letter from AGM(GAD) dt 03-02-2022
Recovery Accounting from Pay Revision  Arrear Reg dt 02-02-2022
General Transfer 2022 - Request via HRMS dt 09-02-2022
Prior Sanction letter_from AGM(B) dt 09-02-2022 
Vidyasree_Entry in Application Software dt 14-02-2022
PBMS - Property Security - Third party Mortgage_Clarification dt 16-02-2022
Cir 17-2022 (IA & V) Precautionary Measures in Branches - To Check Various Frauds - Directions - Reg dt 07-02-2022
Cir 18-2022 (TAX) TDS on Income Tax - Avoiding Penalty for not Deducting Properly - Reg dt 16-02-2022 
Cir 19-2022 (P&HR) Covid 19 - Special Casual Leave - Not Considered for EL- Reg dt 16-02-2022
Cir 20-2022 (P&HR) Covid 19_Cancellation of WFH (Work From Home) dt 16-02-2022
Cir 21-2022 (TAX)  Including GST Registration number of Chitty Subscribers reg dt 19-02-2022
Cir 22-2022 (P&HR)  Accrual of Earned Leave - Clarification - Reg dt 19-02-2022
Auctions Postponed Chitty_Further Guidelines from HO dt 23-02-2022
Clearing Doubts Raised by Customers - Helpdesk - Reg dt 14-02-2022
Details of Default in Vidyasree Scheme_Letter from GM(F) dt 10-02-2022
Direction for submitting Hard copies of RR files generated through CAMRA portal - reg dt 18-02-2022
Estimated P&L account 2021-22_Q4  dt 25-02-2022
House Loan to Employees - Eligibility list (Addl.list) - 2021-22 dt 19-02-2022
Format of Undertaking for E H L dt 19-02-2022
Vehicle Loan to Employees - Eligibility list (Addl.list) - 2021-22 dt 19-02-2022
Gold Appraisers Fidility Insurence reg dt 23-02-2022 
Income tax Exempted Hospitals for Medical Reimbursement dt 23-02-2022
PF Pension not Obtained- Pension Fund not Withdrawn - Details of  PTS Employees - Not Attained 58 Years - Collecting  Reg dt 25-02-2022
Wednesday Khadi dress Goverment order dt 25-02-2022
Deferment of Earned Leave surrender - EL re-crediting to leave account dt 26-02-2022
Aaswas_Date extension upto 31-03-2022 dt 28-02-2022
Proposal Form for Fidelity Guarantee Insurance - New India Assurance Company Ltd.
FIDELITY-GUARANTEE-PROPOSAL-EMPLOYER-AC48
Pay Revision (2017) - Recovery of excess arrears paid dt 28-02-2022
Tax Payee Categoty Tracking dt 28.02.2022
Cir 23-2022 (GAD) Address and Telephone numbers of New branches,Change of Address of Existing branches - Reg dt 26-02-2022
Cir 24-2022 (BD) KSFE Bhadratha Smart Chittikal 2021' - Extended upto 19-03-2022 dt 28-02-2022 
Cir 25-2022 (Recovery) Default recovery drive - Directions to boost recovery - Reg dt 03-03-2022
Cir 26-2022 (BD) International Womens' day - Special prizing scheme for Women subscribers - Reg dt 07-03-2022
E- Pledge against Drugs dt 02-03-2022
Points to note during March – directions dt 02-03-2022
Grade Promotion to SGA as AM(NC) - Leave details called for dt 07-03-2022
Stock of Stationery (Printed items & Computer forms) & Fixed Assets_Statement called for dt 05-03-2022
RFP Preparation of new Core Solution Software reg dt 08-03-2022
Significant change in CASBA software (Moving to Cloud_URL Change) dt 08-03-2022 
Staff welfare - Scholarship 2021-22 dt 08-03-2022
Deduction of TDS in Employees Sugama & OD Accounts dt 15-03-2022
Tentative Seniority list of test qualified Assistants publishing of - Reg dt 14-03-2022
Cir 27-2022 (BD) International Womens' day - Offer Period Extension upto 19-03-2022 - Reg dt 11-03-2022
Cir 28-2022 (BD) Bhadratha Smart Chitty 2021 Extended upto 31.03.2022 dt 19-03-2022
GST ON FORFEITED VEETHAPALISA 21.03.2022 dt 21-03-2022
GST TDS Credit note Verification FY 21-22 dt 21-03-2022
Property Security_Location Certificate reg with GO dt 22-03-2022
GO on stop issuing Location Certificate, Residential Certificate, Life Certificate from Revenue Department_GO No.45-2022RD dt 15-02-2022.
Instruction for closing of accounts 2021-2022 dt 19-03-2022
Notice_Cut off date for starting individual accounts in Vidyasree reg dt 08-03-2022
KSFE Vidyasree reversal of sugama interest reg dt 15-03-2022
KSFE Vidyasree_Starting of individual accounts in Application Software dt 15-03-2022
LIST OF TDS Credit Notes of Units Upto 28.02.2022 in Downloads reg dt 19-03-2022
Annual closing of Accounts 2021-2022_Important points to be complied with unit level reg_Letter from GM(F) dt 19-03-2022
Remuneration paid to casual labours - Work of PTS dt 22-03-2022
Reversal of Sugama Interest in KSFE Vidyasree Sugama accounts reg dt 22-03-2022
Cir 29-2022 (P&HR)  Special  Leave for COVID-19 -Amendment - Reg dt 22-03-2022
Cir 30-2022 (FA)  Appointment of Statutory Auditors - 2021-22 - Reg dt 22-03-2022
Cir 31-2022 (BD) Acceptance of salary certificate - Permanent Employees of Kerala media academy - Reg dt 24-03-2022
Cir 32-2022 (BD) KPL- KHL- Conversion of interest factor from Yearly diminishing to Monthly diminishing dt 30-03-2022
KHL & KPL_EMI_Calculator_New_Monthly Diminishing 
UTILITY_FOR_RCL_NHFS_ver5
Cir 33-2022 (BD) Janamithram Gold Loan - Changes in CASBA reg dt 30-03-2022
Cir 34-2022 (P&HR) National Strike March 2022 - Measures adopted dt 30-03-2022
Cir 35-2022 (BD) Changes in Interest Rates - FD & Gold Loan - Extension of Ajayya Scheme dt 30-03-2022
Cir 36-2022 (BD) PBMS - Extension upto 30-06-2022 dt 31-03-2022
Cir 37-2022 (BD) 2021-2022 FY Chitty Target Achieved dt 31-03-2022
Cir 38-2022 (BD) Formation of New 3 Regional Offices reg dt 31-03-2022
Instructions related to Aswas 2021_Letter from MD dt 30-03-2022
Instructions related to RR Initiation_Letter from MD dt 30-03-2022
Deferment of EL Surrender till 30-06-2022_along with GO dt 31-03-2022
National Strike in March_Marking On Strike in HRMS dt 31-03-2022
Sugama Reserve Account of Gold Appraisers reg dt 31-03-2022
Festival Advance in connection with Vishu dt 01-04-2022
FAQ ON TDS ENTRY FY 2022-23 dt 02-04-2022
Change in the details of Recovery Co-ordination Team Members - reg dt 04-04-2022
Directions related to RR Debtors Statement dt 08-04-2022
Intimating the Draw of Womens Day offer on 12-04-2022 dt 06-04-2022
Womens Day Draw on 12-04-2022 @ HO_Intimation dt 06-04-2022
Women Day Subscribers List dt 11-04-2022
Pay Revision (2017) - Disbursement of Arrears (4th Installment) dt 08-04-2022
Seniority List of Test Qualified Assistants in  2021 dt 07-04-2022
Cir 39-2022 (BD) Low - Key Compaign 2022 dt 02-04-2022 
KSFE Low Key Campaign_Leaflet-01 (JPG)
KSFE Low Key Campaign_Leaflet A4 (PDF)
Cir 40-2022 (BD) International Women's Day 2022 - Mega draw by women - Result  - Reg  dt 12-04-2022
Cir 41-2022 (BD) New Regional Office reg_Change of a branch from KKD Rural to Urban dt 12-04-2022
Cir 42-2022 (CS) Bharana Bhasha Malayalam reg dt 21-04-2022 
Cir 43-2022 (LEGAL) Changes in accepting property security - Reg dt 25-04-2022
Sec 206AB of IT Act_Check list of PAN reg_Letter from GMF  dt 19-04-2022
Recovery from Pay Revision Arrear IV th Insta_Accounting of Credit Note reg dt 21-04-2022
Gold Loan New Notice reg_Letter from AGM (Planning) dt 22-04-2022
KSFE Gold Loan A4 Notice dt 22-04-2022
Procedure for pledging domain (Branch) chitty passbook to NRI chitty dt 29.04.2022
15G/H Uploading of 2021-22 Q4 as CSV_letter from SM(Tax) dt 04-05-2022
KSFE Vidyasree Accounting related dt 05-05-2022
El Surrender to cook and OAs_GO dt 20-05-2022
15G/H LETTER FY 21-22  13.05.2022
FD CSDT 15GH Tracking this year 2022-2023_Letter from GM(F) dt 26-05-2022
Pay Revision 2017_Arrear due to Resigned Employees_Disbursement reg dt 26-05-2022
Extension of tenure of Sri-V-P- Subrahmanian_GO(Ms)No34-2022-TAXES dt 31-05-2022
PBMS_Letter from MD dt 01-06-2022
PBMS_Letter from MD dt 01-06-2022_List
Salary Recovery through Spark - intimation letter - reg dt 07-06-2022
Accounting of Gold Sale, Sale of old items, Scrap sales, Sale of Old Newspaper, Miscellaneous Income_reg dt 07-06-2022 
Alert Note No. 1-2022 (BD) Enrolling new customers and sanctioning loans - Precautions - Reg dt 07-06-2022
Cir 44-2022 (FA) P & L Account and Balance sheet in respect of chit business for the year ended 31.03.2022 - Reg dt 07-06-2022
Cir 45-2022 (P&HR) E P F Member  portal - E nominations - Directions - Reg dt 09-06-2022
Cir 46-2022 (Recovery) Non- RR Accounts - Adalath at branch level - Reg dt 15-06-2022
Directions for Non-RR Adalat (Anubandham)
Notice to defaulters-Non-RR Adalat (Santhoshavartha)
Directions for Non-RR Adalat (Anubandham)_Letter from GM(F) with Forms and Letter to Defaulters dt 17-06-2022
Form No.1-Non-RR Adalat
Form No.2-Proceedings-Non-RR Adalat
Form No.-3-Non-RR Adalat ( A&B)
Intimating Non RR Adalath Collection to HO in Google Form reg dt 30-06-2022 
Modification in Form No 1 of adalath mela Non RR Cases dt 20-06-2022
Modified Form No-1
Non R R Adalath - Guidelines -Reg dt 22-06-2022
Proceedings to Defaulters after adalath_Letter from DGM(Rec) dt 02-08-2022
Cir 47-2022 (P&HR) Enhancing the limit of liability waiver of employees - Reg dt 16-06-2022
Cir 48-2022 (BD)  Revision of interest rates of Deposits & Loans - Reg dt 18-06-2022
KSFE Toll free number - Reply to queries - Agency Assigned - Reg dt 16-06-2022
Deferment of EL Surrender till 30-09-2022_along with GO dt 17-06-2022
Extension of Date of filing Balance sheet due to Covid 19 upto 30-06-2022 with GO dt 17-06-2022
Minutes of Meetings with Union Leaders on Pension Staff Norms gradation etc
KSFE Toll free number - Reply to queries - Agency Assigned - Reg dt 16-06-2022
Contract agreement for courier service - Ms.Sree Gokulam speed & Safe courier services - reg dt 28-06-2022
Send Form 16A Certificates to Customers_Letter from SM(T) dt 30-06-2022 
Uploading of 15GH FY 2022-23 Q1_ Letter from SM(Tax) dt  01-07-2022
Cir 49-2022 (BD)  PBMS - Period Extension upto 30-09-2022 Reg  dt 01-07-2022
Cir 50-2022 (BD)  Ajjayya Gold loan scheme  Extended upto 31-07-2022 reg dt 01-07-2022
Cir 51-2022 (P&HR)  Enhancement of child care allowance - Reg wef 01-04-2022 dt 04-07-2022
Cir 52-2022 (P&HR)  Amendment in the norms of Employees House Loan Scheme - Reg dt 05-07-2022
Cir 53-2022 (P&HR)  Revision of DA wef 01-07-2022- Reg dt 05-07-2022
Cir 54-2022 (BD)  Changes in accepting Property & Flat towards security to Chitty - Reg dt 13-07-2022
Jagrathakurippu-RO TSR dt 08-07-2022
Low Key Campaign (LKC) Period Extension upto 15-07-2022 Reg dt 01-07-2022
Filing of Income Tax Return-Form 16 for the financial year 2021-2022 dt 13-07-2022
Reconciliation & Confirmation of HOC (General) account 2021-2022 dt 13-07-2022
Cir 55-2022 (Legal)  Enhancement of Part Time Legal Adviser's (RO) Fee dt 14-07-2022
Cir 56-2022 (FA)  Enhancement of GST on Chitty Services - Reg dt 16-07-2022
Cir 57-2022 (IA&V)  Implementing a web-based application to review audit reports- guidelines issued dt 19-07-2022
Cir 58-2022 (BD)  Accepting salary certificate of Kerala State Coir Corporation Ltd - Reg dt 20-07-2022
Cir 59-2022 (P &HR) Supply of Balance Laptop under Vidyasree Scheme - On Discount - Reg dt 22-07-2022
Cir 60-2022 (BD) KSFE Bhadratha Smart Chittikal 2022 (BSC 2022)- Reg dt 22-07-2022
Low Key Campaign (LKC) Period Extension upto 23-07-2022 Reg dt 16-07-2022
Low Key Campaign (LKC) Performance Evaluation upto 15-07-2022 dt 19-07-2022
LKC 2022 Low Key Campaign (LKC) Performance Evaluation upto 15-07-2022 dt 19-07-2022_Annexure Volume wise
Low Key Campaign (LKC) Performance Evaluation upto 15-07-2022 dt 19-07-2022_Annexure Percentage wise
Hardware Complaint Booking - Warranty Products (PC & Printer) - Instruction Manual dt 25-07-2022
Printed forms from GAD dt 26-07-2022
Employees working in the Subordinate Cadre of the Company_Leave details called for - Reg dt 01-08-2022
Evaluation of Chitty Loan_Letter from MD dt 01-08-2022
Evaluation of Chitty Loan_Letter from MD dt 01-08-2022_Branchwise List
Evaluation of Chitty Loan_Letter from MD dt 01-08-2022_Regionwise List
Fund Management_Details of Holding Cheques more than seven days dt 03-08-2022
Cir 61-2022 (TAX) RR Remittance to treasury - GST according to RCM - Reg dt 29-07-2022
Cir 62-2022 (IT) Dashboard for CASBA dt 01-08-2022
Details of  Fixed Assets for Ind AS Compliance for FY 2021-22 details called_Letter from GM(F) dt 03-08-2022
Notice - Supply of Balance Laptop under Vidyasree Scheme - Reg dt 04-08-2022
Appendix -l-Supply of Balance Laptop under Vidyasree Scheme
Change in Public Holiday - Muharam - Reg dt 06-08-2022
Adalath Non RR_Sanction from RO reg dt 12-08-2022
Independence Day 2022 - Govt order compliance reg dt 12-08-2022
Cir 63-2022 (BD) FESCA- Restructing reg dt 23-08-2022  
Cir 64-2022 (BD) Fixed Deposits - Revision of Interest rates dt 23-08-2022
Cir 65-2022 (P&HR)  Driver in KSFE - Name of Post & Qualification - Reg dt 25-08-2022
Estimated P&L account FY  2022-23 Q2 dt  22-08-2022
Evaluation of Weekly Progress of Gold Loan_Letter from MD dt 12-08-2022
Festival Advance Notice dt 22-08-2022
PBMS Branchwise list dt 16-08-2022
Regionwise PBMS
OA Tentative Seniority list dt 25-08-2022
Gold Loan Report as on 31-08-2022
Payment of Bonus - Festival Allowance for the year 2021-22 dt 30-08-2022
Cir 66-2022 (BD)  Re -instating  Ajayya Gold Loan scheme for ladies - Reg dt 30-08-2022
Cir 67-2022 (GAD)  Printing and Supply of Company calendar and diary for the year 2023 dt 31-08-2022
Security Measures to be taken during the ONAM holidays 2022 dt 31-08-2022
Cir 68-2022 (P&HR) - Supply of Laptops to company employees- reg dt 03-09-2022
Cir 1-2022 (FESCA) Athapookkalam Competetion reg dt 29-08-2022
Cir 2-2022 (FESCA) Athappookkalam Competetion reg dt 31-08-2022
Disbursement of Festival advance to Canvassing Agents - Door Collection Agents dt 05-09-2022
Festival Advance to Appraisers dt 05-09-2022
Festival Allowance to retired employees dt 05-09-2022
Onam - 2022 - Payment of Special Festival Allowance dt 05-09-2022
Payment of Performance Incentive to employees for the FY 2021-22 dt 05-09-2022
Sanil.S.K Assuming Charge as GM (Risk & Complaince) dt 05-09-2022
Service Tax Liability related details called (Statutory Audit)_Letter from GM(F) dt 30-08-2022
Sreenimol dt 05-09-2022
KSFE Smart Chitty Campaign 2022 reg_Letter from GM (B) dt 12-09-2022
Chitty Business dt 31-08-2022
Seniority list of Employees in Subordinate cadre_Final dt 12-09-2022
KSFE Gold Loan Notice from HO Planning dt 14-09-2022
KSFE Gold Loan Notice from HO Planning dt 14-09-2022
Default recovery from Incentive Amount_Accounting of Credit Note reg dt 15-09-2022
Preliminary Steps before initiating RR in Branches_Letter from DGM (Rec) dt 15-09-2022
Cir 69-2022 (BD) Pending file Clearance - reg dt 14-09-2022
Cir 70-2022 (BD) -Property Security -New Instructions dt 14-09-2022
Cir 71-2022 (TAX) Guidlines in Collecting  15G-15H from Customers dt 26-09-2022
HOC RR Reconciliaiton 2021-22_Confirmation reg dt 26-09-2022
Notice reg SLI and GIS_more clarification dt 22-09-2022
Office order reg OA Promotion as JA dt 20-09-2022
Sad and Unfortunate demise of our company Emproyee_Ranjith kumar dt 26-09-2022
Notice_SLI and GIS reg dt 22-09-2022 
Notice reg SLI and GIS_more clarification dt 22-09-2022
Cir 72-2022 (Recovery) Recovery of Dues of Govt. Employees through SPARK - Procedures - Reg dt 29-09-2022
Cir 73-2022 (BD) KYC Instructions - Reg dt 03-10-2022
Cir 74-2022 (BD) KHL Interim interest rate changed reg dt 07-10-2022
15GH FY 2022-23 Q2 letter 03.10.22 
BSC 2021 Conduct of Mega Draw in Kottayam on 20-10-2022 dt 13-10-2022
KSFE Smart Chitty Campaign 2022 reg_Letter from GM (B) dt 12-09-2022
BSC Performance dt 03-10-2022
Above 1.5 Crore dt 03-10-2022
75% and above dt 03-10-2022
Deferment of Periodical Surrender of Earned Leave till 31-12-2022 dt 03-10-2022
Fesca Circular 03-2022 - Pookkalamathsaram - Results dt 03-10-2022
FESCA  Circular 04 - 2022 dt 11-10-2022
Strict Compliance with Circular 52-2016 (FA) dt 11-10-2022
15GH From Income Tax Letter FY 2018-19 to 2021-22 dt 17-10-2022
Transfers and Postings of Assistants - Instruction to relieve the incumbents issued - reg dt 18-10-2022
Details of CSDs in Treasury not released even after its maturity_Letter from GM(F) DT 19-10-2022
Bhadratha Smart Chitty 2021-Mega draw Invitation Letter-reg DT 19-10-2022
BSC-2021 Mega draw dt 20-10-2022_Banner_6x3 dt 15-10-2022
Cir 75-2022 (CS) 2022 Malayala dinakhosham and Bharana Vaarakhosham reg dt 19-10-2022
Cir 76-2022 (BD) KSFE Bhadratha Smart Chitty 2021_Mega Draw Results dt 25-10-2022
EPF -  Aadhar Verification - Reg dt 26-10-2022
Sad and Unfortunate Demise of Kumari Geetha dt 25-10-2022
Notice Laptop amount recovery reg dt 28-10-2022
Notice_National Unity Day dt 31-10-2022
PBMS Scheme discontinued dt 01-11-2022
GO (P) No 131-2022-Fin dated 29-10-2022 (Unification of Pay Fixation of PSUs)
Model Classification of State PSUs
GO (P) No 135-2022-Fin dated 04-11-2022 (Revoking of 131/2022)
Cir 77-2022- KSFE Day Nov 6 2022 dt 01-11-2022
KSFE Day Banner 2022 (PDF) 
KSFE Day Banner 2022 (JPG)
Cir 78-2022-Initiation of RR dt 01-11-2022
Cir 78-2022 (Recovery)  Appendix-Revenue recovery dt 11-11-2022 
Cir 78-2022 (Recovery) Initiation of RR dt 01-11-2022_Annexure 2 dt 07-12-2022 
Forwarding the hard copies of RR files - reg dt 07-12-2022
Cir 79-2022 (P& HR) Implementation of staff norms dt 04-11-2022
Application for OTS - Guidelines - Reg dt 07-11-2022
PSC service verification of Junior Assistants- Personal hearing list-1 dt 09-11-2022 
PSC service verification of Junior Assistants- Personal hearing list-2 dt 09-11-2022
Pending Legal Cases  in branches reg_Letter from AGM (R) dt 10-11-2022
FESCA Circular 05 - 2022 dt 10-11-2022
FESCA-MEMBERSHIP-FORM
FESCA-RULES-AND-REGULATIONS dt 15-11-2022
FESCA Circular 06 - 2022 dt 15-11-2022
Judgement_EPF Case dt 04-11-2022
Cir 80-2022 (FA) Proceedure for accounting Chitty Canvassing Expense dt 16-11-2022
Cir 81-2022 (GAD) Distribution of Company Calendar for the year 2023 dt 18-11-2022
81-2022 (GAD) Distribution of Company Calendar Annexure_List
Cir 82-2022 (FA) Cheques submitted - Strengthening Internal Control system - Guidelines dt 21-11-2022
BSC 2021 - Bumper prize distribution on 18-11-2022 dt 17-11-2022
Renewal of Insurence Policy of Cavassing Agents & Appraisers_Data called reg dt 22-11-2022
TRANSFER NORMS DRAFT dt 18-11-2022
Notice_Constitution Day dt 21-11-2022
Pledge agaist Dowry dt 25-11-2022
Cir 83-2022 ( P&HR) On the Job (OTJ)  Training for VHSE Students  reg dt 29-11-2022
Sad and Unfortunate Death of Ananda Kumar Dev.P.B
FESCA Circular 07 - 2022 dt 21-11-2022
Delay in Realizing cheque reg dt 29-11-2022
Estimated P&L account FY  2022-23 Q3 dt 24.11.2022
Gold loan NPA REPORT- Remarks dt 25-11-2022
Vehicle Loan to Employees 2022 - 23_Eligibility List reg dt 28-11-2022
House Loan to Employees 2022 - 23_Eligibility List reg dt 28-11-2022
Additional House Loan to Employees 2022 -23_Eligibility List reg dt 28-11-2022
Instructions for those who are eligible for Employees House Loan regarding the submission of Documents dt 08-12-2022
Appointment of Managing Director of the Company - reg dt 01-12-2022
Collection through POS - details called for-reg dt 07-12-2022
Estimated P&L account FY  2022-23 Q3 dt 24-11-2022
Existing and new  litigations  in Branches dt 03-12-2022
Festival Advance_Christmas dt 06-12-2022
Festival Advance_Christmas_ more Clarification dt 08-12-2022
Notice_Recording Leave in HRMS & Service book reg dt 08-12-2022
Gold Loan Region Wise report 30.11.22_RGN
Gold Loan Target Acheived Branches DT 30-11-2022
Cir 84-2022 (BD) Commencement of Multi - Division Chitties- Guidelines dt 12-12-2022
Cir 85-2022 (BD) Introducing 'Nettam' Deposits Scheme wef 15-12-2022 dt 14-12-2022
Displaying Banner & Standee in Branches_Nettam Scheme_Letter from GM(F) dt 22-12-2022
Nettam Scheme 6 x 3 branch Banner
Nettam Scheme 6 x 3 branch Standee
Cir 86 -2022 (BD) Revision of interest rate of Deposits and Loans wef 15-12-2022 dt 14-12-2022
Cir 87-2022 (P&HR) EPS 95  Option Form for Higher Pension dt 16-12-2022
EPS - 95 Scheme - Option - Reg dt 26-12-2022
EPS - Revised Option Form for Retired employees dt 20-12-2022
Unauthorised use of brand name KSFE on Social Media Accounts- reg dt 12-12-2022
Cadre Promotion to JA from OA - Wrong Information forwarded to PSC - Reg dt 22-12-2022
Collection through POS Machine_Introducing new Screenwef 15-12-2022-reg dt 12-12-2022
User Manual for POS Collection in branches dt 14-12-2022
POS Operational instructions to branch dt 14-12-2022
Collection through POS - Further Instructions dt 15-12-2022
Liability_Santhoshkumar G dt 15-12-2022
Pending Cheque Realization_Extention uto 31-12-2022 dt 16-12-2022
Cir 88-2022 (P&HR) Retirement of Company Employees in 2024 dt 27-12-2022
Cir 89-2022 (BD) Acceptance of permanent employees of Brahmos Aerospace Ltd TVM as sureties (SRNEG) dt 31-2-2022
Cir 90-2022(BD) Group Personal Accidental Insurence Scheme (GPAIS) for Canvassing Agents and Appraisers dt 31-12-2022
Cir 90-2022(BD)  Guidelines  
GPAIS for Agents and Appraisers - Claim form-reg dt 04-01-2023
GPAIS for Agents and Appraisers - Policy-reg dt 04-01-2023
GPAIS for Canvassing Agents and Appraisers- Guidelines-reg dt 04-01-2023
Periodical Surrender of Earned Leave for 2022-23_GO(P)148-2022 FIN dt 30-12-2022
--- Circulars of 2021 ---
Cir 01-2021 (BD) Extension of Suvarnna jubilee Chittikal-2020 dt 01-01-2021
Cir 02-2021 (BD) DDFS Securitization Process_Methods dt 11-01-2021
Cir 03-2021 (P&HR) Saturday Functioning reg dt 14-01-2021
Cir 04-2021 (P&HR) Staff Welfare Scholarship reg dt 15-01-2021
New Portal for uploading Vidyasree Kudumbasree members reg dt 12-01-2021
Pay Revision Discussion Called for dt 11-01-2021
Notice - General Instructions for Resignation of Employees from Company_from DGM dt 19-01-2021
Cir 05-2021 (BD) Cancellation of Security clauses in Chitty Udambady  reg dt 20-01-2021
Cir 06-2021 (BD) Reduction of Interest rate of Gold Loan dt 21-01-2021
Cir 07-2021 (BD) Group Personal Accidental Insurance Policy for Agents & Appraisers dt 27-01-2021
Cir 07-2021 Attachment - Policy Document
Cir 08-2021(BD)Enhancement of duration of KPL
AMC of PC & Printers by Ms.Aforeserve.com Ltd wef 01-02-2021 reg dt 27-01-2021
ASWAS 2020_Non RR_Extended upto 31-03-2021 dt 30-01-2021
ASWAS 2020_RR_Extended upto 31-03-2021 dt 30-01-2021
Cir 09-2021 (BD) Formation of Coalition Committee for achieving Golden Jubilee & ASWAS Targets dt 10-02-2021
Cir 10-2021 (P&HR) Revision of Dearness Allowances dt 15-02-2021
Cir 11-2021 (BD) Suvarnna Jubilee Compliment to Retired employees, Agents & Appraisers reg dt 15-02-2021
Cir 12-2021 (BD) Waving of Future liability to chitty subscribers dt 15-02-2021
Cir 12-2021 (BD)  Further Explanation dt 20-03-2021
Cir 13-2021 (P&HR) Implimenting Various New Allowances and Revision of excisting benefits for KSFE Employees reg dt 20-02-2021
Tentative Seniority List of Test Qualified Assistants dt 08-02-2021
KSFE Pay Revision GO (2017)
General Transfer 2021 - Request via HRMS dt 15-02-2021
HOC RR Reconciliation_Letter from GM(F) dt 16-02-2021
CAMRA EOD at SDT Level_Letter from GM(F) dt 19-02-2021
Notice on State Life Insurance Scheme dt 18-02-2021
Seniority list of Test qualified Assistants in the SGA & AM (NC) category_Final List dt 15-02-2021
Cir 14-2021 (P&HR) Pay Revision 2012_Revision of Allowances to Workmen wef Settelement Date reg dt 20-02-2021
Cir 14-2021 (P&HR) Attachment 
Estimated P&L for FY 2020-21_Q4_Letter from GM(F) dt 23-02-2021
XI-11th Pay Revision Commission Recommendations-Highlights - for Kerala Govt Employees
Cir 15-2021 (BD) Revised Salary Certificate Secuirty Application Form dt 24-02-2021
Cir 15-2021 (BD) Revised Salary Certificate wef March 2021
Cir 16-2021 (BD) Vidhyasree Scheme - Further Proceedings dt 25-02-2021
Extending Suvarna Jubilee Chits till 31-03-2021 dt 26-02-2021
Cir 17-2021 (P&HR) Pay Revision to Employees_Revision of Allowances and other benefits dt 26-02-2021
Cir 17-2021 (P&HR) Attachment
Cir 17-2021 (P&HR) Addendum dt 01-03-2021
Creation of Inter Branch & Inter Region Liability reg_Letter from MD dt 04-03-2021
Extension of Suvarnna Jubilee Chittikal till 31-03-2021 Letter from MD dt 26-02-2021
Fidility Insurance to Gold Appraisers_Low Premium with United Insurance Co Ltd_reg dt 12-03-2021
Notice on SLI & GIS Premium Payment reg dt 10-03-2021
Reconciliation and confirmation of HOC (RR) account 2019-2020_reg_Letter from SM(Rec) dt 09-03-2021
Recovery from DA Arrears_Acoounting of Credit Note_reg dt 05-03-2021
Reduction in Market Price of Gold_Urgent Precautions to take_Letter from MD dt 09-03-2021
Stock of Stationery & Fixed Assets_Statement called for_reg dt 09-03-2021
Attachments - Forms and Formats
Appeal of MD for 700Cr Business dt 18-03-2021
Alert Note 01-2021 (IA&V) Financial Security Documents as Security reg dt 18-03-2021
18-2021 (BD) KSFE Vidyasree further Proceedings & Accounting Proceedures reg dt 15-03-2021
Disbursement of Deferred Salary reg dt 15-03-2021
Gold Loan Default reg_Letter from GM(F) dt 18-03-2021
Staff Wefare_Scholarship to the Children & Spouse of Company Employees for Higher Education above Secondary Level for the year 2020-2021 dt 23-03-2021
Staff Welfare Scholarship 2020-21_Additional List dt 30-03-2021
Cir 19-2021 (P&HR) Constitution of Internal Commitee for Prevention of Sexual Harassment against Women Employee dt 20-03-2021
Cir 19-2021 (P&HR) Attachment 
Cir 20-2021 (FA) Transaction with Banking nature Prohibited_More Details dt 26-03-2021
20-2021 (FA) Explanation Letter regarding POS use for sugama remittance dt 07.03.2021
Cir 21-2021 (FA) Appointment of Statutory Auditors dt 26-03-2021
Cir 22-2022 (P&HR) Enhancement of Remuneration of Employees on Daily Wages dt 27-03-2021
Cir 23-2021 (P&HR) Revision of Dearness Allowances _Jan 2021 dt 27-03-2021
Cir 24-2021 (Tax) Changes in TDS Rates wef 01-04-2021 dt 31-03-2021
Cir 25-2021 (GAD) Renaming of NRI Bursiness Centre as Digital Business Centre dt 30-03-2021
Cir 26-2021 (BD) Termination of Sulabha Gold Loan Scheme dt 31-03-2021
Closing of Accounts for FY 2020-21_Instructions dt 30-03-2021
Notice on Covid 19 Deferred Salary (Retired Employees) & Credit Note DA Arrear Recovery dt 31-03-2021
Reconciliation & Confirmation of HOC (RR) Account 2019-2020_Letter from SM(Rec) dt 29-03-2021
TDS & GST Important Matters to Remember Letter from GM(F) dt 30-03-2021
Cir 27-2021 (BD) Target Achievement of Suvarnna Jubilee Chittikal 2020 dt 31-03-2021
Appreciation letter of  MD_Chitty Business Achievement dt 31-03-2021
Disbursement of DA Arrears to Retired Employees dt 03-04-2021
Extension of Ashwas Scheme upto 31-05-2021 dt 08-04-2021
Festival Advance for Vishu 2021 - Application through HRMS dt 07-04-2021
Cir 33-2021 (BD) Highness Investment and Financiers, Vazhuthacaud & CR Shaji_Multiple liability regarding dt 22-04-2021
Cir 34-2021 (Tax) Changes in assessment of GST Input tax credit dt 27-04-2021
Cir 35-2021 (BD) Prohibition of Sacntioning of Gold Loan to the Relatives of Appraiser from Same Branch dt 27-04-2021
Entry in Service Book of Newly Joined JA_Letter from DGM (P&HR) dt 27-04-2021
Cir 36-2021 (P&HR) Covid 19_Further Guidelines_2-3 Staff Rotation reg from 29-04-2021 dt 28-04-2021
Change in Condition in KSFE Vidyasree Circular_Letter from AGM(B) dt 28-04-2021
Cir 37-2021 (BD) Revision of Interest rates of Deposits wef 01-05-2021 dt 29-04-2021
GST Payment Voucher Accounting reg_Letter frm SM(Tax) dt 29-04-2021
Cir 38-2021 (P&HR) Covid 19_Alert_Re-arrangement of Branch Functioning dt 30-04-2021 
Cir 39-2021 (P&HR) Covid Precautions_Govt Guidelines_Branch Functioning reg dt 04-05-2021
39-2021 (P&HR) Covid Precautions_Addendum dt 05-05-2021
Cir 40-2021 (P&HR) Covid 19 -Branch Functioning regarding dt 07-05-2021
Cir 41-2021 (P&HR) Covid 19 -Branch Functioning regarding dt 10-05-2021
Cir 42-2021 (BD) Introduction of Soukhya Gold Loan dt 14-05-2021
Soukhya Gold Loan-Affidavit
Cir 43-2021 (P&HR) Covid 19 -Branch Functioning regarding in Tripple Lockdown dt 16-05-2021
Cir 44-2021 (P&HR) Covid 19 -Branch Functioning regarding in Tripple Lockdown Modification in Cir 43-2021 (P&HR) dt 16-05-2021
Cir 45-2021 (FA) Profit and Loss account and balance sheet in respect of Chit Business for the year 2020-2021 dt 17-05-2021
45-2021 (FA) Form of balance sheet
45-2021 (FA) Form of Profit and Loss
Notice - Retired Employees DA Arrear reg dt 19-05-2021
Cir 46-2021 (P&HR) Covid 19 - Re-Scheduling branch functioning (Tripple Lockdown in Malappuram) reg dt 24-05-2021
Passbook Bridge loan regarding_Letter from AGM(Plg) dt 28-05-2021
Cir 47-2021 (P&HR) Covid 19 - Re-Scheduling branch functioning reg dt 30-05-2021
Cir 48-2021 (BD) Vidyasree Laptop Distribution regarding dt 31-05-2021
Online Payment and Collection reg_Letter from MD dt 31-05-2021
Cir 49-2021 (P&HR) Covid 16 -Functining of Branches Govt Guidelines Physically Weak Employees reg dt 04-06-2021
Vaccine Priority_Bank Employees_ GO dt 02-06-3021
Cir 50-2021(P&HR) Covid-Branch functioning regarding dt 09-06-2021 
Vidyasree_Necessary Corrections in Web Portal dt 09-06-2021
GO Lockdown Exemptions  dt 15-06-2021
HRMS - Updation of Profile of Employees in HRMS reg dt 16-06-2021
Cir 51-2021 (BD) Extension of Soukhya Gold Loan upto 15-07-2021 dt 11-06-2021
Cir 52-2021 (P&HR) Covid-19 Branch functioning  reg dt 16-0-2021
Cir 53-2021 (BD) Covid -19 Relief to Agents and Appraisers dt 16-06-2021
Cir 54-2021 (BD) KVS - KSFE Vidyasrree furter directions from HO dt 21-06-2021
Cir 55-2021 (BD) Covid 19 - Functioning of Branches reg dt 21-06-2021
Cir 56-2021 (P&HR) Covid 19 - Re-scheduling of office functioning dt 23-06-2021
Cir 57-2021 (BD) Revision of  Agency commission_Door Collection dt 23-06-2021
Cir 58-2021 (TAX) New sections added in Income Tax-Finance Act- 2021 reg dt 24-06-2021
Cir 59-2021 (Recovery) Declaration of Relief schemes due to Covid-19 second wave dt 24-06-2021
Entering GSTN in Customer Reg_Letter from GM(F) dt 21-06-2021
Notice for Allownace-Pay revision2007 dt 18-06-2021
Notice_P & HR Section Mobile Nos dt 24-06-2021
Cir 60-2021 (BD) Introducing Scheme Chit_KSFE Bhadratha Smart Chit 2021 reg dt 01-07-2021
BHADRATHA Chitty Banner 6x3
BHADRATHA Chitty leaflet
Cir 61-2021 (BD) Restarting Chit Auction reg dt 01-07-2021
Cir 62-2021 (BD) Rearranging Chit Auction Time reg dt 02-07-2021
Cir 63-2021 (BD) KSFE Bhadratha Smart chit more clarification & Advertisement Exp reg dt 05-07-2021
Agents & Appraisers Special Advance reg_Modification in Cir 53-2021 (BD) dt 01-07-2021
Extention of ASWAS to 31-08-2021 dt 05-07-2021
IT Refund_May 2021 dt 05-07-2021
Payment of Int of Chit Loan of Company Employees reg dt 29-06-2021
Cir 64-2021 (P&HR) Covid Second wave-Re-Scheduling Branch Functioning dt 08-07-2021 
Cir 65-2021 (P&HR) Covid- II nd wave Re-Scheduling office functioning dt 14-07-2021
Cir 66-2021 (GAD) Address and Phone numbers of New Branches dt 02-07-2021
EPFO - Updating KYC through Member Portal_Letter from DGM(P&HR) dt 08-07-2021
G.O.(Rt)No.1461-2021-H&FWD dt 13-07-2021_Prioritization for Vaccination above 18 years (KSFE Employees)_Modified
Cir 67-2021 (BD) Extension of Soukhya Gold Loan Scheme upto 31-08-2021 dt 15-07-2021
Cir 68-2021 (P&HR) Covid Second wave-Re-Scheduling Branch Functioning dt 22-07-2021
Cir 69-2021 (P&HR) Revision of DA July-2021 dt 29-07-2021
Cir 70 - 2021 (BD) Revision of interest rates on loans dt 30-07-2021
Section 206 AB in Income Tax Act for FY2021-22_Letter from GM(F) dt 15-07-2021
TDSCredit note Uploading Letter 19.07.2021
Boosting Default Collection reg_Letter from DGM (Rec) dt 23-07-2021
EL Surrender_Postponed for 6 Months dt 27-07-2021
Chitty Loan Remittance of Employees reg_Letter from DGM(P&HR) dt 27-07-2021
Expiry of Kerala Flood Cess (KFC) reg_Letter from SM(Tax) dt 27-07-2021 
KSFE Employees default reg_Letter from GM(F) dt 28-07-2021
Covid_Relaxation In repayments extended upto 30-09-2021 reg_Circular 59-2021 (Rec) dt 30-07-2021
GO 480-2021-TAXES dt 19-07-2021_Chitty_Filing Period Extension_GO
Cir 71-2021 (P&HR) Identification and flagging of Employees Accounts in CASBA dt 02-08-2021 
Cir 72-2021 (P&HR) Re-scheduling Branch Functioning dt 05-08-2021
Aashwas-2020 Follow up days_Report to RO called for_Letter from DGM(Rec) dt 04-08-2021
Festival Advance for Onam 2021 - Application through HRMS dt 14-08-2021
Filing of Income Tax return - Form 16 for the Financial Year 2020-21 dt 12-08-2021
Form 16A to Customers_Letter from SM(Tax) FY 2020-21 dt 03-08-2021
Onam 2021_Festival Advance to Agents dt 17-08-2021
Onam 2021_Festival Advance to Appraisers dt 17-08-2021
Sammatha Pathram -Festival Advance for Appraisers 
Onam 2021_Special Festival Allowance And Bonus to employees dt 17-08-2021
Onam 2021_Special Festival Allowance to Appraisers & Agents dt 17-08-2021
Payment of Performance Incentive to employees for the FY 2020 - 21 dt 18-08-2021
Pay Revision_Submission of Option through HRMS reg dt 17-08-2021
Pay Revision 2017 Important Points regarding Submission of Option dt 06-09-2021
Pay revision arrear and High Tea-2021 dt 16-08-2021
Aashwas-2021 Follow up days reg_Letter from DGM (Rec) dt 18-08-2021
Covid 19 - Work from Home to Female Staff dt 17-08-2021
Cir 73-2021 (BD) VidyaShree Laptop Scheme Re-arrangement dt 17-08-2021
KSFE Vidyasree_Accounting Proceedure reg dt 17-08-2021
Cir 74-2021 (BD) Suvarnna Jubilee Chittikal-Prize Announcement dt 26-08-2021
Cir 75-2021 (BD) Extension of Soukhya Gold Loan upto 30-09-2021 dt 02-09-2021
Payroll August 2021 - Accounting of deferred EL surrender amount dt 01-09-2021
Pay revision option_Option date extension to 10-09-2021 dt 31-08-2021
Golden Jubilee Chit_Mega Draw on 26-08-2021 @ HO reg dt 16-08-2021
KSFE Suvarna Jubilee Chittikal 2021 Mega Draw on 26-08-2021_Live Streaming Reg dt 24-08-2021
Extension of Ashwas 2020 upt 30-09-2021 dt 31-08-2021
Notice  on Chitty Substitution-High denomination chitties (Above Rs.25000)_Sanction from RO dt 01-09-2021
Notice-Property Valuation fees & Legal Scrutiny Fee_Clarification dt 31-08-2021
Estimated P&L Q2 for the  FY 2021-22_Letter from GM(F) dt 24-08-2021
Credit Note_Pay revision arrears & Per. Incentive recovery dt 03-09-2021
Directions for continuing Default Action_RR_Letter from DGM (Rec) dt 16-08-2021
Pay Revision Option_Date extension upto 15-09-2021 dt 10-09-2021
Restriction on Third Party Cash Remittance in our Bank Account_Letter from GMF dt 02-09-2021
Resumption Amount from Govt Treasury_Letter from GM(F) dt 25-08-2021
Sri Lawrence Harold as GMB (IC) from 11-08-2021 dt 02-09-2021
Vaccine to Employees reg dt 02-09-2021
Courier Rate_Agrement dt 15-09-2021
GO No 634 2021 DMD dt 15-09-2021_Quarantine Leave reg
TDS Accounting in CASBA Bank & Treasury_Letter from SM (T) dt 20-09-2021
Cir 76-2021 (FA) TA-DA and Incidental rates revised dt 13-09-2021
Cir 77-2021 (BD) Vidyashree renewed Scheme and accounting proceedures dt 15-09-2021 
Refund Vidyasree
Cir 78-2021 (BD) Business Coordination Team for Bhadratha Smart Chit & Aswas dt 15-09-2021
Cir 79-2021 (P&HR) Special casual leave reagarding dt 17-09-2021
Cir 80-2021 (P&HR) Covid 19 - Stopping of Work from Home reg dt 22-0-2021
Alert Note_Property Pledging_from AGM(R) KTM dt 05-10-2021
Covid 19_Special Casual Leave_Instructions dt 07-10-2021
Cir 81-2021 (BD) Extension of Soukhya Gold Loan upto 23-10-2021 dt 30-09-2021
Cir 82-2021 (BD) Acceptance CRPF Employees Salary certificate as personal surety (SRNEG) dt 04-10-2021
Cir 83-2021 (BD) Pravasi Chitty -DDFS further instructions dt 22-10-2021
Cir 84-2021 (BD) Norka-Roots & KSFE - Pravasi Bhadratha Micro Scheme dt 25-10-2021
Pravasi Bhadratha Micro Scheme (PBMS) UTILITY-01-11-2021 
PBMS Application Form-Circular No.84-2021
PBMS-Banner reg dt 10-11-2021
PBMS-Banner reg dt 10-11-2021_Banner pravasi 6x3
PBMS-FAQ
PBMSI_PBMS REPORTING FORMAT
PBMSII_PBMS AGREEMENT
PBMSIII_PBMS SCRUTINY NOTE
PBMS- Projects 
PBMS- Minimum Target Intimating dt 10-12-2021
PBMS_Modification about Date dt 01-12-2021
Cir 85-2021 (BD) November 6- KSFE Day reg dt 29-10-2021
85-2021 (BD) 52 YEAR CELEBRATION Banner 6 X 3 FINAL 
Additional House Loan to employees 2021-2022_Eligibility List dt 26-10-2021
House Loan to employees 2021-2022_Eligibility List reg dt 26-10-2021 
Vehicle Loan to employees 2021-2022_Eligibility List reg dt 26-10-2021
Extension of Ashwas 2020 Scheme upto 23-Oct dt 30-09-2021
Extension of Covid Relief Schemes-upto Oct-23 dt 30-09-2021 
Extension of Aswas and Covid relief measures_Action to be taken_Letter from DGM(Rec) dt 05-10-2021
Extension of Ashwas-2020 & Covid Relief upto 26-10-2021 dt 22-10-2021
Aswas 2020 Transfer from GS Account reg dt 26-10-2021
GO for sanction for chitty auction postponement by two months during May and June 2021 dt 04-10-2021
KSFE Bhadratha Smart Chitties Campaign - Letter from MD dt 01-11-2021
Refund of Flood Cess reg_Letter from SM(Tax) dt 03-11-2021
Cir 86-2021 (CS)  RTI FEES ENHANCEMENT reg dt 12-11-2021
CASBA Alerts and Notes dt 09-11-2021 
Cut off date for returning faulty Coconics Laptops and sanction for disbursing actual amount remitted and loan to the beneficiaries dt 12-11-2021
Steps to be taken to avoid revenue leakage due to procedural lapses Letter from GM(F) dt 09-11-2021
Cir 86-2021 (CS) RTI FEES ENHANCEMENT reg dt 12-11-2021
Cir 87-2021 (GAD) Printing&supply of company calendar&Diary dt 27-11-2021
Cir 88-2021 (GAD)  Bankers Intiminity Insurance Policy reg dt 23-11-2021
Conversion of TPA account as TSB (Institution) Account reg dt 23-11-2021 
Observance of Constitution Day on 26th November 2021 dt 26-11-2021
Government Order -Observance of Constitution Day
Pay Revision (2017) - Disbursement of Arrears (2nd Instalment) dt 22-11-2021
Pay Revision (2017) - Fixation & Arrears Statement reg dt 23-11-2021
Pay Revision(2017) - Disbursement of Arrears to Retired Employees (2nd Instalment) DT 27-11-2.21
Cir 89-2021  (Recovery)  Aashwas-2021 (OTS) from 01-12-2021 to 31-01-2022 dt 30-11-2021
Aashwas-2021 - Branch - Banner Final - Aashwas-2021 dt 06-12-2021
Aashwas-2021 - Further Guidelines - reg dt 06-12-2021
Aashwas-2021 - Notice for Branch & SDTs dt 06-12-2021
Aaswas 2021 Guidelines from HO dt 06-12-2021
Cir 90-2021 (BD) Reducing interest rate of Goldloan from 01-12-2021 dt 30-11-2021
Check The Purity & Weight of Gold Ornaments reg dt 30-11-2021
Gold Appraising Methods and Techniques-min_Handbook
EPF 10D & E-Nomination Guidelines from HO dt 22-11-2021
Estimated P&L account 2021-22 Q3 dt 27.11.2021_Letter from GM(F)
HRMS - Leave marking in HRMS & Leave Statement reg dt 30-11-2021
Cir 91-2021 (CS)  Approved Hospitals_Addition of new hospitals dt 01-12-2021
91-2021 (CS)  Annexure
Cir 92-2021 (BD) Modification in KHL (Housing Loan) from 06-12-2021 dt 04-12-2021
Cir 93-2021 (P&HR)  SLI,GIS Additional remittance towards premium-reg dt 08-12-2021
Distribution Details of Thermo Flask reg dt29-11-2021
GO 83-2021-TAXES dt 06-12-2021_Appointment of Chairman Sri.K Varadarajan
Change in method of interest adjustment of Chitty Loan and Pass book loan -reg dt 06-12-2021
Confirmation of HOC RR Reconciliation 2020-21 - reg dt 09-12-2021
Covid 19 - Auction Postponement in 2020 & 2021, Filing -time extended reg dt 09-12-2021 with relevant GOs
Credit Note - Pay revision arrears 2nd instalment recovery dt 13-11-2021
Deferment of EL Surrender till 31-03-2022 in KSFE dt 08-12-2021
ALERT NOTE 2-2021 (IA&V) Guidelines after Vigilence Raid dt 22-12-2021
Annouced Chitty details available in online portal dt 22-12-2021
Cir 94-2021 (BD) Pravasi Bhadratha MIcro Scheme (PBMS)_Modification in Security norms dt 23-12-2021
Cir 95-2021 (BD) Modification in Security Norms Upto 20L in Branches, Max liability in a Prop & a Person & Below 3 cents in Panchayath reg dt 24-12-2021
Eradication of default - new suggestions invited from Employees dt 22-12-2021
Labour Welfare Scholarship_Application period extension reg dt 20-12-2021
New Creatives and Ideas from staffs inviting reg dt 18-12-2021
Quick reply to the queries received from Company Website reg dt 06-12-2021
Enquiry through Company Website reg dt 31-12-2021
Monitoring Bank Statements reg_Letter from GM(F) to AGM(R) dt 31-12-2021 
--- Circulars of 2020 ---
Congratulation for chitty business exceeding 2000 Cr dt 01-01-2020
Cir 01-2020 (CS) Revision of list of Approved Hospitals for the reimbursement_Hospital Full List dt 07-01-2020
Cir 02-2020 (BD) Surety Acceptance of United electical Inds Kollam dt 10-01-2020
Cir 03-2020 (P&HR) Staff Welfare Scholarship dt 15-01-2020
Cir 04-2020 (BD) Chitty fund Act-192Changes in Fee structure dt 15-01-2020
Cir 05-2020 (CS) RTI Fees regarding dt 29-01-2020
Cir 06-2020 (GAD) Golden Jubilee Prize -Flask dt 29-01-2020
Annual Account Closing_Find out Effective Interest Rate reg_Letter from GM(F) dt 30-01-2020
CASBA HO RO integration (FAS)_reg_Letter from GM(F) dt 13-01-2020
KSFE Suvarna Jubilee_State level Sports_Date Extension dt 09-01-2020
Redemption of Revised Bhadratha Deposit (RBD) reg_Letter from GM(F) dt 22-01-2020
Closing of Terminated Chitties_PBNP Cases_Accounting Procedures dt 06-02-2020
GJ Ilavu 2019 - Offer Date Expiry Reminder dt 12-02-2020
KGJ Sports_Notice from DGM(P&HR) dt 03-02-2020
Suvarna Jubilee - Notice Final Result dt 15-02-2020
Release of CSD through CORAL dt 14-02-2020
Procedure for Releasing CSD through CORAL
 TDS EXEMPTION for KSFE on Treasury and Bank Deposits
TDS_HO Tax Remittance Details in TAX Menu for Verification_Letter from GM(F) dt 03-02-2020 
Cir 07-2020 (BD) Acceptance of Property Security granted by special schemes dt 17-02-2020
Cir 08-2020(BD) Gold Loan Maximum Amount & Accounts in the Name of a particular Person dt 17-02-2020
Cir 09-2020 (FA) Appointment Statutory Auditors for FY 2019-20
Estimated P&L 2019-20 Submission_Q4_Letter from GM(F) dt 25-02-2020
Courier Service_Agrement with Speed & Safe_Letter from GM(B) dt 27-02-2020
Extension of GJ ILAVU to Non prized Default upto 31-03-2020 dt 29-02-2020
Extension of GJ ILAVU to Prized Default upto 31-03-2020 dt 29-02-2020
Extension of Suvarnna Jubilee Chittikal upto 21-03-2020 dt 29-02-2020
Gold Loan 80% of Market Value Rs.3000_Letter from GM(B) dt 26-02-2020
Notice - MD in charge dt 29-02-2020
HRMS - Employee Details for ID card_Photo Selfie reg dt 24-02-2020
Cir 10-2020 (GAD) Change of Address and Telephone Numbers of Branches dt 05-03-2020
Cir 11-2020 (Tax) TDS on Cash withdrawal from bank and Flood cess dt 07-03-2020
Cir 12-2020 (CS) Right to Information Act_Petition Date & Reply Date Reg dt 10-03-2020
Cir 13-2020 (BD) Auction Discount maximum 35% in 100 Months Chits dt 11-03-2020
Precaution-Covid-2019 dt 06-03-2020
Covid-2019-Precaution Notice 2 dt 10-03-2020
Extension of ILAVU only upto March-13 dt 10-03-2020
Interest on CSD to HO Treasury Accounts Reconciliation dt 09-03-2020
Restrictions on Sugama Transactions Letter from GM(F) dt 12-03-2020
Cir 15-2020 (PLG) Lockdown Instructions dt 30-03-2020
Annexure to Ministry of Home Affairs Order No 40-3-2020-D dt 24-03-2020 Lockdown Guidelines by Central Govt
Lockdown GO - G.O(Ms)No.49-2020-GAD dt 23-03-2020
Covid-19 ID Card Reg dt 24.03.2020
Covid-19 Lockdown Instructions from MD dt 23-03-2020
Lock down Further Instruction from MD dt 25-03-2020
Covid-19 Formation of Sannadha Sena in KSFE dt 27-03-2020 
Covid-19 Restrictions_Revised Order dt 27-03-2020
Govt Office Working GO - G.O No.1282-2020-GAD dt 27-03-2020
The Kerala Epidemic Diseases Ordinance dt 27-03-2020
Granting Additional Increment to Emp on Completing 25 years of Service dt 23-03-2020
Cir 16-2020 (BD) Covid 19-Branch funtioning Instructions from 15-04-2020 dt 13-04-2020
GO 271-Taxes dt 03-04-2020_Functioning of KSFE branches reg
Hotspots in india_Central GO dt 15-04-2020
Cir 17-2020 (Recovery) Covid19 Golden Jubilee Ilavu extension upto 30-06-2020 reg dt 15-04-2020
Cir 18-2020 (BD) Moratorium Implementation in KSFE as per RBI Direction dt 08-04-2020
Moratorium Option Form 
Moratorium_Calculator dt 25-04-2020 (ODS)
Certificate for those who do not have ID Card dt 15-04-2020
HRMS Leave Statement of March entering reg dt 15-04-2020
Cir 19-2020(BD) Covid-19 Office functioning re-arrangement 
Extension of Suvarna Jubilee Chitty-2019 to 30-05-2020 dt 15-04-2020
Covid-19 Earned Leave Surrender Deferred
Letter to Branches regarding GST and TDS for 2019-2020 dt 21 04 2020
Cir 20-2020 (BD) Covid-19 Advance for Agents and appraisers
Extension of Date of Special Allowance for Agents and Appraisers
Cir 21-2020 (BD) Covid-19 re-arrangement of office functioning
Cir 22-2020 (GAD) Cost reduction - Covid-19
Cir 24-2020(BD)changes in interest rates of NCL-PBL 
Cir 25-2020(BD) COVID-19 re-scheduling of branch functions
Covid-19 Deferment of Festival Advance Recovery from Apr to Aug 2020
Cir 26-2020(BD) online chitty payment via bank
Covid-19 Sanctioning Duty for Lockdown Period
Cir 27-2020 (BD) Renewal of Sugama reserve fund deposit of appraisers 
Notice on leave surrender dt 07-05-2020
Chitty Auction re-scheduling -preparations
Letter to branches regarding GST, 15G/H dt11-05-2020
Cir 28-2020 (Tax) TDS -Change of Interest Rates dt 14-05-2020
Cir 29-2020 (BD) Rearrangement of KSFE Business Proceedings 
Cir 30-2020 (BD) Pravasi Souhruda Gold Loan
Cir 31-2020 (BD) enhancement -Interest rates of deposits
Cir 32-2020 (BD) Janamithram EMI Gold Loan dt 29-05-2020
Janamithram EMI Gold Loan Application and Promisory Note
Cir 33-2020 (BD) Morotorium Extension reg upto 31-08-2020 dt 29-05-2020
Estimated P&L for FY 2020 - 21 Q1 .1.06.2020
Notice - Regularisation May-2020 Attendence in relations with COVID-19
Cir 34-2020 (FA) Profit and Loss account and balance sheet in respect of Chit bus for the year 2019-2020 dt 01-06-2020
Cir 35-2020 Goldloan topup facility implementation
Cir 36-2020 (P&HR) Covid-19 - Office function regulations dt 10-06-2020
Cir 36-2020  Annexure
Cir 36-2020 _Annexure II
Covid-19- Relaxation in Chitty From March 16 to Junr 30_Clarification dt 01-06-2020Ilavu
Gold Loan Precautions from MD dt 09-06-2020
Income Tax_New Scheme Clarification reg dt 09-06-2020
MD Public Notice dt 02-06-2020
SVLDRS Direction to Branches dated 11.06.2020
Cir 37-2020 (BD) Online Vidya Sahaya Scheme (OVS) dt 16-06-2020
Cir 38-2020 (BD) Covid 19 - Compliment to Employees, Agents & Appraisers dt 16-06-2020
Cir 39-2020 (BD) Online Vidyasahayi Scheme dt 22-06-2020
39-2020 (BD) Online Vidyasahayi Scheme  Attachment
Chit Pending Fee Collection 57-2020_Letter from IG of Reg dt 16-06-2020
Covid 19 - Break the Chain_Further Instructions dt 22-06-2020
GO 298-2020 Sanction for KSFE to Postpone Chit Auctions and Late File Minutes dt 06-05-2020
Cir 40-2020(GAD)Distribution of Raincoat to Agents
Cir 41-2020(BD)Extension of Pravasi Souhruda Gold Loan
Cir 41-2020-Sammatha Pathram-Pravasi Souhruda Gold Loan
Cir 42-2020(Recovery) OTS for RR Cases
42-2020 (Recovery) Modifications dt 12-10-2020
Form 16A Letter FY2019-20 dated 30.06.2020
Cir 43-2020 KSFE Vidhyasree Scheme
KSFE Vidyasree Scheme Application form
KSFE Vidyasree Masapirivu Pattika
KSFE Vidyasree Scheme -FAQ
Cir 44-2020 Online Payment Portal for Branch Chits
Annexure to Cir 15-2020 -Notice for Extension of Covid-19 relief dt 15-07-2020
ASWAS 2020 - Guidelines dt 13-07-2020
Income Tax Return Form16 Part A and B Download Intimation
Cir 45-2020 (BD) Changes in deposit interest rates
Cir 46-2020 (BD) Enhancement of Rate per gram of Gold oranments 
Cir 47-2020 (BD) Property security Branch level-acceptance liability limit enhancement
Cir 48-2020 (BD) Clarification Circular 47-2020
Cir 49-2020 (BD) KSFE SUVARNNA JUBILEE CHITTIKAL-2020 dt 08-2020
Covid 19_CD Ratio_Letter from AGm(B& Op) dt 13-07-2020
Modified Letter to Mortgagor (Prop -3)_Letter from MD dt 01-07-2020
Subordinate Staff having Degree qualification_Seniority List_draft dt 07-08-2020
SVLDRS -Letter 11.08.2020 
Cir 50-2020(BD) Sulabha Gold Loan 
Cir 51-2020 (BD) Re- Scheduling of acution - COVID
Clarification of Loan Interest waver Circular 15-2020
Cir 52-2020 (CS) Revised list of  Approved Hospitals for Medic Reimbursement dt 18-08-2020
Cir 53-2020 (IA&V) Property Security - Precautions dt 20-08-2020
54-2020 (GAD) Supply of Calendar and Diary for the year 2021 dt 20-08-2020
Additional Diary requisition form
Covid-19- Relaxation in Chitty From March 16 to Aug 31_Date Extended upto 30-09-2020 dt 13-08-2020
Covid-19 -RR Actions Re-instating reg dt 20-08-2020
e-Stamping for Chit Registration Handbook
HRMS - Festival Advance Request 2020
Individual Filing Income Tax Return 2019-20 dt 18-08-2020
Notice-Security measures during Onam Holidays
Profession Tax for the Financial year 2020-21 in HRMS dt 18-08-2020
Onam 2020 Performance Incentive
Onam 2020 Bonus and Special Festival Allowance
Onam 2020 Festival Allowance to Agents and Appraisers
Onam 2020 Festival Advance to Agents
Onam 2020 Festival Advance to Appraisers 
Festival Allowance to Retired Employees dt 26-08-2020
Early Disbursement of Salary for Aug.2020 dt 24-08-2020
Early Disbursal of Appraiser Fee in August 2020 dt 26-08-2020
Introduction to Security Processes - for KSFE Junior Assistants
Cir 55-2020 (GAD) Addres and Telephone Numbers of branches dt 21-08-2020
Cir 56-2020 (GAD) Renaming of Kandassamkadavu Branch as Kanjani Branch dt 21-08-2020
Cir 57-2020 (BD) Revision of Interest to FD & Sugama w.e.f 15-09-2020 dt 14-09-2020
Cir 58-2020 (GAD) Address and Telephone numbers of new branches dt 11-09-2020
Cir 59-2020 (BD) KSFE Vidya Sree Loan Scheme_Modifications reg dt 14-09-2020
Accounting of SDT level closure of RR Accounts at branches through CAMRA Software dt 16-09-2020 
Accidental Insurance Policy to Agents & Appraisers_Details called dt 22-09-2020
Clarification for accounting of SDT level closure at branches from 01.04.2020 dt 22-09-2020
Cir 60-2020 (P&HR) KSFE Office Functioning from 24-09-2020 reg dt 23-09-2020
Cir 61-2020 (BD)_Reducing Interest Rate of Deposits
Extension of Covide 19 Interest waver till October 31, 2020
Kerala Chit Funds (Amendment)Rules 2020 dt 17-09-2020
Kerala Chit Funds (Amendment)Rules _Chitty Comp Fee
Prior Sanction from RO for Substitution Amt on or above Rs.100000. dt 16-09-2020
RR Requisition Letter_Letter from GM(F) dt 28-09-2020
Covid19 Guidelines from MD dt 06-10-2020
Cir 62-2020 (RR) Including Non-RR Accounts in Ashwas-2020 dt 30-09-2020
Guidelines Aashwas-2020 Non-RR Annexure to Cir 62-2020 (Rec) dt 30-09-2020
ASWAS-2020 - Guielines for Loans in CASBA dt 07-10-2020
Cir 63-2020 (GAD )Distribution of Raincoat to Agents
64-2020 (BD) Golden Jubilee Gift for Employees dt 16-10-2020
Reconciliation & Confirmation of HOC (General ) Account 2019-20 dt 29-09-2020_Letter from GMF
Changing the POS Machine installed by Federal Bank_Letter from GM(F) dt 02-11-2020
Covid-19- Relaxation in Chitty From March 16 to Aug 31_Date Extended upto 30-09-2020 dt 14-08-2020_Clarification
Covid-19- Relaxation in Chitty From March 16 to Aug 31_Date Extended upto 31-12-2020 dt 05-11-2020
Disbursement of deferred Earned Leave surrender salary dt 15-10-2020
Distribution of SANI-MAT reg dt 15-10-2020
Excluding Online Submission for Withdrawal of Cash from Treasury (WAMS Exclusion)
Golden Jubilee Chit 2019 Megadraw on 06-11-2020 reg dt 04-11-2020
Golden Jubilee_Gift for employees_Special Pay roll reg dt 30-10-2020
Cir 65-2020 (GAD) Distribution of Company calendar for the year 2021
Cir 65-2020 (GAD) Company calendar  Attachments
Cir 66-2020 (Plg) KSFE Day_2020 Nov 6 dt 27-10-2020
Cir 66-2020 (Plg) KSFE Day_2020 Nov 6 Banner
Cir 67-2020 (BD) Golden Jubily Chitties 2019 Lot Winner Results
Cir 68-2020 (BD) Revised Interest Rates Sugama SAOD and STD
Cir 69-2020 (CS) Revised list of Approved Hospitals dt 17-11-2020
Cir 70-2020 (BD) Golden Jubilee Chitty Prize_Smartphone reg dt 23-11-2020
Message  of Managing Director_Letter from MD dt 01-12-2020
Restriction on Cash Transactions_Letter from GM(F) dt 04-12-2020
Cir 71-2020 (IAD) Alert Note to Branches_Important points to Remember dt 03-12-2020
Golden Jubilee gift - Extension of date dt 21-12-2020
Extention of Aswas 2020 upto 31-01-2021 (Non RR) dt 21-12-2020
Extention of Aswas 2020 upto 31-01-2021 (RR) dt 21-12-2020
Restriction on Cash Transactions (Further Clarification to Letter of GM(F) dated 04-12-2020) dt 22-12-2020
Cir 72-2020 (BD) Clearing Default of NP Chits through Passbook Loan dt 23-12-2020
Cir 73-2020 (PHR) GPIS Renewal 2021 and Implementation of SLI GIS dt 24-12-2020
Cir 74-2020 (BD) Revised Rate of Fixed Deposits dt 30-12-2020
Cir 75-2020(P&HR)Retirement of Company Employees 30-12-2020
Extension of Covid-19 relief measures till 20-01-2020 dt 31-12-2020
--- Circulars of 2019 ---
Cir 01-2019 (P&HR) Staff Welfare Scholarship dt 15-01-2019
Cir 02-2019 (RR) Initiation of RR FY 2018-2019_Instructions reg dt 21-01-2019
Cir 03-2019 (FA) Finalisation of Accounts 2017-2018_Profitability of Branches dt 23-01-2019
03-2019 (FA) Finalisation of Accounts Attachment
Cir 04-2019 (P&HR) Retirement of Company Employees in 2020 dt 01-02-2019
Cir 05-2019 (BD) Stamp Duty for Affidavit Revised_Prop II dt 12-02-2019
Curtailment of outstanding balance amt in GS account_Letter from GMF dt 29-01-2019
Note on Gold Loan Application Printing in CASBA dt 12-02-2019
Refund of Service Tax from FC from 2012 to 2015 dt 12-02-2019
Cir 06- 2019 (GAD) Formation of 2 New Regional offices (PTNTA & PLKD) reg dt 13-02-2019
Cir 07-2019 (FA) Appointment of Statutory Auditors of the Company for the year 2018-19 dt 19-02-2019
Cir 08-2019 (FA) Auction and Closing of Gold ornaments of defaulted gold loan subscribers dt 19-02-2019
Cir 08-2019 (FA) Explanation dt 23-02-2019
Cir 09-2019 (BD) Loan for Handicapped Employees reg dt 23-02-2019
Cir 10-2019 (P&HR) Strike on 08-01-2019 & 09-01-2019_Regularisation of absence of employee dt 21-02-2019
Cir 11-2019 (Plg) New Amendment in Door Collection System dt 23-02-2019
Estimated p & L of Last Quarter_Letter from GMF dt 23-02-2019
Alert Note 01-2019 (RR) HOC (RR) ReconciIiation reg dt 31-01-2019
Stock of Stationery & Fixed Asset - Statement Called for_Letter from GMB dt 22-02-2019
Ilavu 2018 - Extend upto 31-03-2019_Instructions from AGM (R) TVM Dt 06-03-2019
RR Debtors - Moratorium reg dt 06-03-2019
Cir 12-2019 (Plg) Withholding of New Amendment in Door Collection System dt 27-02-2019
Cir 13-2019 (HR) Disbursement of Interim Relief reg dt 28-02-2019
Cir 14-2019 (BD) Revision in Advertisement Expenses of Branches & ROs reg dt 18-03-2019
Cir 15-2019 (BD) Relaxation in Gold Loan Payments (Cash upto 1,99,999) reg dt 21-03-2019
General instruction to Staff_Letter from GMB dt 13-07-2018
Improvement of Gold Loan Business_Letter from GMB dt 06-03-2019
New Updates in Gold Loan (Photo of Cust & Ornaments)Letter from GMB dt 21-03-2019
Information Technology_Guidelines reg dt 19-01-2019
Instructions for Closing of Accounts for FY 2018-19_Letter from GMF Dt 13-03-2019
Business achievement 2018-19 dt 30-03-2019
TAX  TDS dt 01-04-2019 
Cir 16-2019 (GAD) Address & Telephone Nos of New ROs & Excisting Branches(Change) dt 08-04-2019
Cir 17-2019 (P&HR) Revision of DA w.e.f. 01.01.2018 & 01.07.2018 dt 27-04-2019
Balance in GST related Accounts_Letter from GMF dt 02-05-2019
GPF Authorisation reg dt 04-04-2019_Letter from TAX
New Nameboard for Branches reg_Letter from GMB dt 30-04-2019
Cir 18-2019 (FA) Interest on on Chitty Security Deposit from 2012-2013 to 2016-2017 reg dt 04-05-2019
Cir 19-2019 (GAD) Change of Address of Branches dt 09-05-2019
Cir 20-2019 (BD) Increase in charge for Chitty Security Deposit Release_fee to be paid in Treasury dt 15-05-2019
Cir 21-2019 (BD) Pravsi Chitty Canvassing by Each Employees 15-05-2019
KSFE Pravasi Chitty_ Branch level campaign dt 24-05-2019
KSFE Pravasi Chitty_ Branch level campaign dt 24-05-2019_Standees
KSFE Pravasi Chitty Standees Malayalam 
Cir 22-2019 (GAD) Printouts from downloads dt 15-05-2019
Cir 23-2019 (Recovery) Stopping SPARK recovery dt 21-05-2019
Attachment of Circular 23-2019
Cir 24-2019 (BD) on Door collection dt 24-05-2019
Cir 25-2019 (FA)FD matured - unclaimed - renewal dt 25-05-2019
Cir 26-2019 (BD) Collection through Door Collection System Reg Modification dt 04-06-2019
Estimated P&L for the 1st Quarter of FY 2019-2020 dt 28-05-2019
Notice_EPS Contribution on Salary exceeding Statutory limit to the Pension Fund dt 25-05-2019
Cir 27-2019 (BD) Golden Jubliee Chitty dt 13-06-2019
Golden Jubilee Chitty Notice 21x28 cm
General instruction to Staff dt 13-07-2018 
Profit & Loss account and balance sheet in respect of chit business for the year ended 31.03.2019_Letter from GMF dt 12-06-2019
Annexure 1 
Annexure 2
Service Tax Refund reg_Letter from GMF dt 12-06-2019
 Annexure 1
 Annexure 2 
Service Tax Refund reg_Letter from SM(T) dt 22.6.2019
A draft reply -to be submitted by customers_ revised dt 24-06-2019
ST Refund Order in Original dt 08-07-2019
ST - ORDER IN ORIGINAL_DIRECTIONS dt 18-07-2019 
 Sugama Withdrawal from any Branch reg_Letter from GMF dt 08-06-2019
Cir 28-2019 (BD) Door  Collection System_Cancellation of Modifications dt 21-06-2019
Cir 29-2019 (Tax) Service Tax TDS and GST Reg dt 26-06-2019
Cir 30-2019 (BD) Golden Jubileeb Chitty more Clarifications dt 26-09-2019
Clarification_TDS_Circular 30-2019 dt 09-08-2019 
FORM 16A_TDS Certificates to Cust_Letter from SM(T) dt 26-06-2019
Cir 31-2019 (Legal) Enhancement of Legal Fee dt 27-06-2019
Cir 32-2019 (BD)Enhancemnet of Personal Surety Limit dt 03-07-2019 
Cir 33-2019 (BD) Pravasi Grand Day reg dt 10-07-2019
Cir 34-2019 (BD) Change in limit  in Gold Loan Scheme of the Com dt 15-07-2019
Cir 35-2019 (BD) Changes in House Loan Scheme dt 25-07-2019 
Cir 36-2019 (IA&V) Establishment of Vigil Mechanism_Implimentation of Whistle Blower Policy reg dt 26-07-2019
Cir 37-2019 (Tax) Kerala Flood Cess Circular dt 30-07-2019
Kerala Flood Cess_Accounting Instructions_Letter from GM(F) dt 01-08-2019
Ponnona Chitty 2018_Mega Draw_Intimation dt 30-07-2019
TDS Correction_Letter from GM(F) dt 27-07-2019
Cir 38-2019 (GAD) Change of Address & Telephone Nos of new or Existing branches dt 01-08-2019
Cir 39-2019 (BD) Changes in Registration and other fees reg dt 30-07-2019
P & HR Contact Numbers and emails dt 29-07-2019
Sadbhavana Day 2019 Notice & GO dt 14-08-2019
Cir 40-2019 (BD) Ponnona Chitty - 2018 Prize Result dt 20-08-2019 
Cir 41-2019 (GAD) Printing & Supply of Company Calender & Diary for the year 2020_additional Req dt 21-08-2019
Cir 42-2019 (GAD) Change of Address of Branches dt 26-08-2019
Cir 43-2019 (Recovery) Launching of Golden Jubilee Elavu-2019 reg dt 29-08-2019
Guidelines for OTS under ILAVU 2019 in CASBA dt 02-09-2019 
Extension of Ilavu-2019 upto 31-01-2020 dt 29-11-2019 
Extension of GJ Elavu upto 28-02-2020 dt 30-01-2020
Extension of GJ Elavu upto 28-02-2020 dt 30-01-2020 
Accounting of KFC_GPF Authorisation_Letter from SM(T) dt 30-08-2019
Estimate P&L 2019-20_Letter from GM(F) dt 19-08-2019
Notice_Security Measures to be taken during the ONAM holidays 2019 - reg dt 26-08-2019
PBNP Settlement reg_Letter from GMB dt 22-08-2019
List of PBNP case
Onam 2019 Bonus & Special Festival Allowance dt 05-09-2019
Onam 2019 Incentive dt 05-09-2019
Onam 2019 Festival Advance - Appraiser dt 05-09-2019
Onam 2019 Festival Advance - Canvasing Agents dt 05-09-2019
Onam 2019 Festival Allowance - Retired Employees dt 05-09-2019
Onam 2019 Special Festival Allowance - Gold Appraiser dt 05-09-2019
Cir 44-2019 (GAD) Providing ISD  facility in CUG of Branch Managers dt 03-09-2019
Cir 45-2019 (BD) Door Collection_Remit Money to our Bank direct in  Onam Holidays 2019 dt 04-09-2019
Cir 46-2019 (P&HR) Enhancement of Remuneration of daily wage employees dt 04-09-2019
Cir 47-2019 (CS) Revision of Approved Hospitals for Medical Reimbursement dt 04-09-2019
Cir 48-2019 (BD) Changes in Chitty Registration fees reg dt 18-09-2019
Cash Withdrawal above Rs 1 Cr from  Bank_TDS reg dt 03-09-2019
SABKA VISWAS dt 26-09-2019
Service Tax - Sabka Viswas Scheme directions Issued dt 28-10-2019
SVLDRS_Date Extension reg dt 01-01-2020
SVLDRS-Directions to Report the details dt 06-01-2020
SVLDRS_Letter from SM(Tax) dt 04-02-2020
SVLDRS_Hearing Dates reg & Instructions to Branch_Letter from SM(T) dt 18-02-2020
Cir 49-2019 (CS) Malayaladinakhosham November 1 dt 09-10-2019
Golden Jubilee Celebrations_Creating Accounting Head dt 09-10-2019
Cir 50-2019 (BD) High Tea in connection with Golden Jubilee Celebrations dt 24-10-2019
Revised Rate for High Tea -Golden Jubilee Celebrations dt 26-10-2019
Terminated Chit Closing_PBNP adjustment and RR Cases_Letter from GM(B) dt 21-10-2019
Cir 51-2019 (GAD) Distribution of Company Calendar 2020 reg dt 30-10-2019
Attachment to Circular 51-2019 dt 30-10-2019
Cir 52-2019 (BD) Agency Commission Golden Jubilee Chit_Clarification dt 16-11-2019
Cir 53-2019 (CS) Right to information Act appeal  reg dt 19-11-2019
Cir 53 A-2019 (CS) RTI Act_ Time bound report Submission to State Public Information Officer_reg dt 05-12-2019
Income Tax 2019-20_Slab & Instructions dt 11-11-2019
Notice_Providing Sanitary Materials to Part Time Sweepers dt 06-11-2019
Withdrawal of Circular 02-2018 (IAD) dt 04-11-2019
Cir 54-2019 (P&HR) Retirement of Company Employees in 2021 dt 20-11-2019
Alert Note (Rec) VRS in BSNL reg_Letter from GM(F) dt 16-11-2019
Estimated P&L 2019-20 Q3 21.11.2019
Cir 55-2019 (BD) Group Personal Accidental Insurance Policy to Agents & Gold Appraisers dt 27-11-2019
Cir 56-2019 (BD) KPL Top Up to Public Reg dt 06-12-2019
Cir 57-2019 (BD) Branch Gradation asper GL Disbursement reg dt 07-12-2019
Cir 58-2019(BD)Acceptance of property security -Changes in existing procedure
SVLDRS (Sabka Vikas) Letter from GM(F) dt 26-12-2019
Cir 59-2019 (Recovery) OTS_Including Non Prized Chit Subs in Golden Jubilee Elavu 2019 dt 26-12-2019
--- Circulars of 2018 ---
Cir 01-2018 (P&HR) Staff Welfare-Scholarship to the Children & Spouse of Company Employees
Cir 02-2018  (IAD) Alert Note (IAD) 1-2016 regarding Security and Liability dt 21-11-2016 dt 06-01-2018
Cir 03-2018 (Recovery) Conducting Adalath @ RO Level dt 19-01-2018
Cir 04-2018 (PLG) Company CUG Mobile_New Tariff Reg dt 23-01-2018
Cir 05-2018 (IT) Reg CASBA Suggesions dt 01-02-2018
Cir 06-2018 (P&HR)  Retirement of Company Employees dt 06-02-2018
Cir 07-2018 (Recovery) Considering Non RR Cases in Adalath dt 12-02-2018
Cir 08-2018 (PLG) Updation of Aadhar No dt 21-02-2018
Cir 09-2018 (BD) Including Thirumandamkunnu Devaswom in Malappuram Dist as SREG Category Employee dt 03-03-2018
Cir 10-2018 (FA) Appointment of Statutory Auditors & Finalization of Accounts dt 20-03-2018
Cir 11- 2018 (FA) Important Points to remember reg IT & GST dt 11-04-2018 
Cir 12-2018 (Recovery) Switch over of NPA Norm from 6 Months to 3 Months Order Issued dt 23-04-2018 
Cir 13-2018 (P&HR) Conduct of Promotion Test for the year 2017_Exam Timetable dt 04-05-2018
Cir 14-2018 (PLG) PTS Employees in Govt Service treating as SREG reg dt 10-05-2018
Cir 15-2018 (PLG) Inaguration of Pravasi Chit on 02-06-2018 dt 10-05-2018
Cir 16-2018 (BD) Considering C-DIT Permanent Employees as SREG Catagory dt 10-05-2018
Cir 17-2018 (BD) Gold Loan or Security No Maximum Ceiling in Apraiser Fee dt 24-05-2018
Cir 18-2018 (BD) Considering DTNBWED Employees as SRNEG reg dt 08-06-2018
Cir 19-2018 (BD) Pravasi Chit Inaguration reg @ 18-06-2018 dt 07-06-2018
Cir 20-2018 (BD) Recover dues from DCRG Benefits of Govt Employees reg dt 18-06-2018
Cir 20-2018 Attachement
Cir 21-2018 (BD) Pravasi Chitty_Employees Meet dt 22-06-2018
Cir 22-2018 (BD) Gaztte Notification Fee reg dt 23-06-2018
Cir 23-2018 (P&HR) Revision of Dearness Allowance wef 01-07-2017 dt 23-06-2018
Cir 24-2018 (BD) KSFE Pravasi Registration Day dt 06-07-2018
Cir 25-2018 (BD) Announcement of Ponnona Chitty 2018 dt 12-07-2018
PC-2018 - PERIOD EXTENDED upto 22-12-2018 dt 15-12-2018
Cir 26-2018 (IA&V) Clarifications to RO on IA&V Reports_Detailed Explanation of Cir 29-2017 (IA&V) dt 11-04-2017 dt 12-07-2017
Cir 27-2018 (BD) Raincoat for KSFE Agents dt 18-07-2018
Cir 28-2018 (BD) Pravasi Chitty Registration dt 20-07-2018
Cir 29-2018 (BD) Draw for PONNONA Chitty 2017 (PC 2017) Announcement of Results dt 23-07-2018
Cir 30-2018 (BD) Including (CAPE) Cooperative Academy of Professional Education as SREG Category Employee dt 06-08-2018
Cir 31-2018 (Recovery) Launching of OTS Scheme _ILAVU-2018_ dt 10-08-2018
ILAVU-2018 Extended up to 31.01.2019 dt 29-12-2018
Cir 32-2018 (GAD) Printing & Supply of Company Diary 2019_Additional requirement @ actual cost Dt 06-08-2018
Cir 33-2018 (P&HR) Enhancement of Remuneration of Employees engaged on daily wages basis dt 14-08-2018
Cir 34-2018 (BD) Group Personal Accidental Insurance Policy to Chit Canvassing Agents & Gold Apraisers dt 21-08-2018
Cir 35-2018 (GAD) Implimenting Green Protocol in GOVT Organisations dt 08-09-2018
Cir 36-2018 (BD) Delegation of Powers of Various Officers in Loan Schemes & General dt 17-09-2018
Cir 36-2018 Explanatory Note
Cir 37-2018 (BD) Including Uralunkal  Labour Co operative Society (ULCC) as SREG Catagory dt 01-10-2018
Cir 38-2018 (Tax) GST_Precausion in  Branches & Mandatory Filings reg dt 08-10-2018
Cir 38-2018 Explanatory Note
Cir 39-2018 (P&HR) Reconstitution of Internal Complaints Committee (Sexuzl Harrassment against women) dt 11-10-2018
Cir 40-2018 (BD) Modification in Gold Loan Scheme dt 17-10-2018
Cir 41-2018 (BD) Fraud_Forged Documents Pledged for security  in Maranalloor & Nellimoodu dt 17-10-2018
Cir 42-2018 (BD) Don't Consider Salary Challenge Monthly Deduction While computing total deduction of SREG Employees dt 25-10-2018
Cir 43-2018 (P&HR) Promotion Test 2018 - General Instruction & Intimation of Date, Time, Venue etc dt 01-11-2018
Cir 44-2018 (Plg) KSFE Day Nov 6 - Banner & Pledge dt 01-11-2018
KSFE Day Nov 6 - Banner
Cir 45-2018 (GAD) Distribution of Calendar for 20l9 - Distribution Centers and Numbers reg dt 31-10-2018
Distribution Centers and Numbers reg
Cir 46-2018 (CS)  Revision of the list of Appr Hospitals for the purpose of Reimbursement dt 29-10-2018
Cir 47-2018 (P&HR) Salary Challenge Circular dt 08-11-2018
Cir 48-2018 (Plg) Stamppaper Charge change while preparing Power of Attorny dt 08-11-2018
Cir 49-2018 (P&HR) Interest free loan to empolyees who affected in flood dt 12-11-2018
Cir 50-2018 (I&AV) Fake Documents for Property Security reg dt 15-11-2018 
Cir 51-2018 (TAX) TDS in GST_Exemption to GOVT Organisations dt 05-12-2018
Shifting of Head Office_Address change dt 24-11-2018
Alert Note 1-2018 Physical verification & Purity Checking of Gold Packets reg dt 06-12-2018
Cir 52-2018 (BD) DDFS Implementaion at branches for NRI Chit Security dt 13-12-2018
Cir 53-2018 (BD) Gold Loan Promotion Circular dt 18-12-2018
Cir 54-2018 (BD) Personal Surety accepatance (SREG)_Information Keral Mission Employees dt 24-12-2018
Cir 55-2018 (GAD) CUG Mobile New Offers reg dt 15-12-2018
Eligibility List - HOUSE LOAN TO COMPANY EMPLOYEES-2018-19 dt 15-12-2018
Eligibility List - ADDITIONAL_HOUSE LOAN TO COMPANY EMPLOYEES-2018-19 dt 15-12-2018
Eligibility List - VEHICLE LOAN TO COMPANY EMPLOYEES-2018-19 dt 15-12-2018
Loan for Flood Affected Employees_HRMS Instruction dt 26-12-2018
Income Tax for the year 2018-19_Salary Income Computation dt 28-12-2018
Ponnona Chitty 2018_PC TGT and Yearly TGT Achieved dt 24-12-2018
--- Circulars of 2017 ---
Cir 01-2017 (BD) Puthuvarsha Chittikal 2017 DT 03-01-2017
Cir 02-2017 (Recovery) Goldloan Default dt 03-01-2017
Cir 03-2017 (CS) Restucturing of Board and Appointment of MD dt 05-01-2017
Cir 04-2017 (BD) Enhancement of valuation fee to be collected from customers dt 12-01-2017
Cir 05-2017 (BD) Demonetisation - Instruction regarding cash withdrawals from Sugama Accounts dt 12-01-2017
Cir 06-2017 (P&HR) Pay Revision to Top Level Executives with GO dt 16-01-2017
Cir 07-2017 (P&HR) Enhancement of daily wages to PTS employees dt 20-01-2017
Clarification dt 25-01-2017
Cir 08-2017 (FA) Estimated Profit & Loss Ac for the current year 2016-17
Cir 09-2017 (P&HR) DA Arrear 01-07-2016
Cir 10-2017 (FA) TA,DA,Incidental charge revised-2017
Cir 11-2017 (P&HR) List of retirement 2018
Cir 12-2017 (FA) Fixed Deposits matured but remaining unclaimed dt 08-02-2017
Cir 13-2017 (FA) Finalisation of accounts for 2015-16 dt 10-02-2017
Cir 14-2017 (Recovery) PBNP Cases Incresing Trend
Cir 15-2017 (BD) Disbursal of gold loan amount in cash-Limits prescribed dt 10-03-2017
Cir 16-2017 (FA) Annual Closing of Accounts as on 31-03-2017 dt 17-03-2017
Cir 17-2017 (GAD) Stock of Stationery and Fixed Assets Statement called dt 04-03-2017
Cir 18-2017 (Recoery) Gold Loan Default Removal of Circular 2-2015 dt 18-03-2015
Cir 19-2017 (FA) Demonitisation_Uploading of Data by branches dt 22-03-2017
Cir 20-2017 (FA) Remittance of Service Tax of March 2017 reg dt 22-03-2017
Cir 21-2017 (FA) Appointment of Statutory Auditors for the Company
Cir 22-2017 (BD) Revision of interest rate of deposit and loans
Cir 23-2017 (Recovery) Chitty Default Interest reduced to 12 dt 28-03-2017
Cir 24-2017 (BD) CASBA_ Collecting Aadhar Nos of Customers and opening Sugama Accounts dt 29-03-2017
Cir 25-2017 (Recovery) RR Online_Procuring Dig Sig_Appointment of Dist Lev Nodal Officer dt 28-03-2017
Cir 26-2017 (Recovery) Ilavu 2017_Extention of period upto 30-04-2017 dt 31-03-2017
Cir 27-2017 (FA) Restriction on cash transactions in the Finance Act 2017_Clarification dt 01-04-2017
Clarification dt 01-04-2017
Clarification dt 04-04-2017 
 Cir 28-2017 (P&HR) Conduct of Promotion test
Cir 29-2017 (IA&V) Internal Audit_Effective, Timebound and correct dt 20-04-2017
Cir 30-2017 (IT) CASBA Data Purification Bef 26-04-2017 dt 20-04-2017
Cir 31-2017 (PLG) Obtaining Aadhaar Nos Of Subs dt 21-04-2017
Cir 32-2017 (BD) Canvassing and Door Collection Agents reg dt 17-04-2017
Cir 33- 2017 (Recovery) Ilavu 2017_ Extention of period upto 31-05-2017 dt 29-04-2017
Cir 34-2017 (Recovery) Ilavu 2017 Extension of Base date from 31-03-2016 to 31-12-2016 dt 10-05-2017
Cir 35-2017 (GAD) Directions for taking premises on lease for starting New-Excisting branch dt 20-04-2017
Cir 36-2017 (FA) Closing Cash Balance Certificate ason 8-11-2016 & 31-12-2016 Should also Prepare dt 22-05-2017
Cir 37-2017 (BD) Ponnona chitty 2016 Draw for Second prize
Cir 38-2017 (CS) Malayalam Bharana Bhasha Varsham
Cir 39-2017 (P&HR) Revision of Dearness Ref Allowance w.e.f. 01.01 .2017
Cir 40-2017 (P&HR) Sexual Harassment against Women_Reconstitution of Complaints Committee
Cir 41-2017 (FA) Cash Transaction above 2 L Restricted by Income Tax_Reminder 
Cir 42-2017 (FA) Fixed Deposits matured but remaining un-claimed and unpaid as on 31-03-2017 dt 08-06-2017
Cir 43-2017 (FA) Profit and Loss Account and Balance Sheet in respect of Chit Bus for the year ended 31-03-2017 dt 08-06-2017
Cir 44-2017 (FA) GST Implementation_Instructions dt 30-06-2017
GST Clarification on Accounting Entry dt 01-08-2017
Cir 45-2017 (BD) Launching of Ponnona Chittilal 2017 during this Onarn festival season
Cir 46-2017 (P&HR) Termination of the service of employees who were continuing after the age of 58
Cir 47-2017 (IT) Hardware Maintanance in Branch dt 13-07-2017
Cir 48-2017 (Recovery) Default Auctions @ Branch Level dt 17-07-2017
Cir 49-2017 (Legal) Right to information Act Reg dt 17-07-2017
Cir 50-2017 (BD) Modification in Door Colln & Canvassing Commission wef 01-08-2017  dt 17-07-2017
Cir 51-2017 (BD) Gold Apraiser Fee Enhancement Reg dt 03-08-2017
Cir 52-2017 (BD) Pisharadi Kaavu Devaswom Employees Salary Cert dt  03-08-2017
Cir 53-2017 (PLG) Goldloan_Increasing the limit of Cash Disbursement dt 16-08-2017 
Cir 54-2017 (BD) Ponnona Chitty 2017_Umbrella as Consolation Prize dt 17-08-2017
Cir 55-2017 (GAD) Company Calender and Diary Additional Requirement dt 26-08-2017
Cir 56-2017 (BD) CVL tieup scheme with Indroyal Furnitutre dt 26-08-2017
Annexure 1 Pricelist
Annexure 2 Dealerlist
Cir 57-2017 (P&HR) Enhancement of Remuneration of employees - engaged on daily wage dt 29-08-2017
Cir 58-2017 (GAD) Onam Coir Products Lucky Draw Coupons General To KSFE employees and pubric dt 29-08-2017
Cir  59-2017 (FA) Monthly Interest of Chitty Security Deposits with Treasury reg dt 08-09-2017
Cir 60-2017 (FIN) Reverse charge Mechanism in GST
Cir 61-2017 (CS) Bharana Bhasha Malayalam dt 24-10-2017
Cir 62-2017 (BD) Including Employees of Nitta Gelatin India Ltd. as SREG in KSFE dt 25-10-2017
Cir 63-2017 (Plg) Nov 6 KSFE Day Celebrations dt 01-11-2017
Cir 63-2007 Attachment 
Cir 64-2017 (GAD) Distribution of Com Calendar for 2018_Distribution Cent Dt 08-11-2017
Cir 65-2017 (BD) News Paper in Branches dt 10-11-2017
Cir 66-2017 (FA) Details of Fixed Deposits matured but remaining unclaimed or unpaid as on 31.03.2017 dt 13-11-2017
Cir 67-2017 (P&HR) KSFE Society_Withdrawal of Imposed Restrictions to 10 employees dt 15-11-2017
Cir 68-2017 (P&HR) DDFS_Selection of Digital Ambassadors - Master Trainers Programme dt 01-12-2017
Cir 69-2017 (BD) Starting of Multi Division Chitty Reg dt 07-12-2017
Cir 69-2007 Anexure
Cir 70-2017 (BD) PC 2016 Announcement of Result of Megadraw dt 28-12-2017
--- Circulars of 2016 ---
Cir 01-2016 (P&HR) Stasff welfare Scholarship to the children-spouse dt. 20.01.2016
Cir 02-2016 (Plg) Formation of 4 new Regional Offices DT. 03.02.2016
Cir 03-2016 (P&HR) Retirement of Company Employees dt. 09.02.2016
Cir 04-2016 (BD) Awards for performing branches-Regions BVC 2015  dt. 10.02.2016
Cir 05-2016 (P&HR) General Transfer 2016-Request called for dt. 10.02.2016
Cir 06-2016 (IA &V) Timely action on audit files-reg dt. 11.02.2016
Cir 07-2016 (GAD) Keeping our premises clean-observing Wednesdays as “CLEAN WEDNESDAYS” dt. 11.02.2016
Cir 08-2016 (Recovery) Initiation of RR in CAS – Rectification of mistakes – Directions issued
Cir 09-2016 (BD) Draw for BVC-2015 – Announcement of results dt. 15.02.2016
Cir 10-2016 (BD) Modifications in various loan schemes - reg dt. 20.02.2016
Cir 11-2016 (Recovery) Recognition for default reduction and effective recovery management function at branch  level dt. 22.02.2016
Cir 12-2016 (Recovery) Containment of Non-prized Chitty Default-Campaign for Revival-Substitution dt. 23.02.2016
Cir 13-2016 (IA&V) Cheating of the company by producing bogus salary certificate reg dt 24.02.2016
Cir 14-2016 (RR) User Training on RR initiation by Online - Rectification of defects of RR dt. 29.02.2016
Cir 15-2016 (IT) Flashing the Company Profile in WhatsApp, facebook,Twitter, You Tube accounts dt. 08.03.2016
Cir 16-2016 (GAD) Stock of STationery and Fixed Assets-Statement called for dt 10.03.2016
Cir 17-2016 (FA) Change in Service Tax rate w.e.f. 01.04.2016 – Re-Introduction of Abatement to chitty dt. 21.03.2016
Cir 18-2016 (FA) Annual closing of Accounts as on 31st March and audit observation of the Company by the  Statutory auditors dt. 21.03.16
Cir 19-2016 (FA) Payment of Service Tax dt. 28.03.2016
Cir 20-2016 (IT) e-Collection facility to be provided to chitty subscribers dt. 30.03.2016
Cir 21-2016 (FA) Appointment of Statutory Auditors 2015-16-Instructions issued dt. 30.03.2016
Cir 22-2016 (BD) Inclusion of  Kodumon Branch (Code No. 278)  under Kollam Region dt. 31.03.2016
Cir 23-2016 (BD) Low Key Campaign-Special Chitty Campaign for the 1st quarter of the FY 2016-17 dt. 01.04.2016
Cir 24-2016 (BD) Introduction of ProcessingAdministration Charge for the KSFE Personal Loan Scheme dt. 11.04.2016
Cir 25-2016 (RR) Containment of NPA-Overdue cases in Gold Loan portfolio. District Level Adalaths to be conducted at RO level dt. 11.04.2016
Cir 26-2016 (P&HR) Enhancement of Daily Wages to PTS dt. 15.04.2016
Cir 27-2016 (FA) FD matured but remaining unclaimed-unpaid as on 31.03.2016-Renewal of deposits-settling of the claims-instructions dt. 07.05.2016
Cir 28-2016 (BD) Advance under Gold LoanGold security scheme – revision dt 20-05-2016
Cir 29-2016 (P&HR) Revision of Dearness Allowance w.e.f. 01.01.2016
Cir 30-2016 (FA) Change in TDS and threshold limit wef 01.06.2016
Cir 31-2016 (FA) Change in Service Tax rate w.e.f. 01 .06.2016 - introduction of Krishi Kalyan Cess
Cir 32-2016 (BD) Modifications in the Housing Loans Scheme
Cir 33-2016 (P&HR) Termination of Ex-Service Personnel deployed under contract basis
Cir 34-2016 (FA) Profit and Loss account and balance sheet in respect of chit business
Cir 35-2016 (CS) SWATCH BHARATH MISION CLEANLINESS
Cir 36-2016 (BD) Revision of interest on Deposit Schemes dt 02-07-2016
Cir 37-2016 (Recovery)  Introduction of 'SPARK' - Software for dt 02-07-2016
Cir 38-2016 (Recovery) Revaluation of property by BM
Cir 39-2016 (RR) Instruction for settling PBNP Cases dt 15-07-2016
Cir 40-2016 (P&HR)  Conduct of Promotion test for the year 2015 dt 25-07-2016
Cir 41-2016 (Recovery) IDLI 2016 llntensive Drivefor Liquictity Improvement) - I) dt 29-07-2016
Cir 42-2016 (FA)  Details of Fixed Deposits matured but remaining unclaimed unpaid
Cir 43-2016 (BD) Launching of Ponnona Chittikal 2016 during this Onam festival season dt 13-08-2016
Cir 44-2016 (Recovery) IDLI- 2016' oncoming festive season - improving - cash flow - Intensifying Recovery steps
Cir 45-2016 (BD) Draw for BHAGYA SREYAS CHITTIKAL (BSC-2015)
Cir 46-2016 (CS) Mentioning names of SPIO's AAs in the communications issued under RTI Act dt 29-08-2016
Cir 47-2016 (P&HR) Implimentation of Pay Revision - Option called dt 17-09-2016
Cir 48-2016 (GAD) Printing and Supply of Company Calender and Diary
Cir 49-2016 (P&HR) Pay Revision - Revision of Allowances and Other Benefits red dt 28-09-2016
Cir 50-2016 (P&HR) Enhancement of Remuneration of Employees Engaged on Daily Wage Basis dt 03-10-2016
Cir 51-2016 (CS) Bharana Bhasha Malayalam dt 28-10-2016
Cir 52-2016 (FA) Internal Control Systern for realization of cheques submitted towards monthly subscr of chitty dt 28-10-2016
Cir 53-2016 (PLG) Celebration of KSFE day on 7th November 2016 dt 28-10-2016
Cir 54-2016 (Recovery) IDLI 2016-Extension of the scheme to 2nd phase for substitution dt 28-10-2016
Cir 55-2016 (P&HR) Job Rotation in Asst Carder Dt 03-11-2016
Cir 56 -2016 (GAD) Distribution of Company Calender 2017 dt 08-11-2016
Cir 57-2016 (CS) Treatment in Super Speciality Hospital dt 08-11-2016
Cir 58-2016 (CS) Quami Ekta Varakhosham dt 08-11-2016
Cir 59-2016 (Plg) Instruction regarding cash collection & Auction
Cir 60-2016 (Plg) Circular Rs 1000, 500 Notes reg dt 14-11-2016
Clarification dt 15-11-2016
Jagratha 1-2016 (IA&V) Property Security_Guidlines dt 21-11-2016
Cir 61-2016 (CS) Restructuring of Board of Directors dt 24-12-2016
Cir 62-2016 (Plg) POS Mechine installatioin uploading dt 09-12-2016
Cir 63-2016 (P&HR) Strike on 02.09.16_ Regularization of Absence dt 23-12-2016
Cir 64-2016 (BD)  Know Your customer(KYC) guidelines specified by RBI
Cir 65-2016 (P&HR) Staff welfare - Scholarship to the childrenspouse of company employees for dt 26-12-2016
Cir 66-2016 (Recovery) Reg DCRG dt 23-12-2016
Cir 67-2016 (Legal) Enhancement of Panel Advocate's fee dt 29-12-2016
Cir 68-2016 (Recovery) OTS ILAVU 2017 dt 31-12-2016
--- Circulars of 2015 ---
Cir 01-2015 (BD) Modifications in New Housing Finance Scheme(NHFS) for further promotion in Business
Cir 02-2015 (BD)  Introduction of RR proceedings against customers of Gold loan and in cases where gold is acceptaed as security
Cir 03-2015 (Recovery) Containment of Non-prized Chitty Default. Launching of a Campaign for Revival-Substitution of Defaulted Non-Prized Tickets in Chitties
Cir 04-2015 (IT) CASBA Implementation Plan
Cir 05-2015 (BD) Awards for best performers  in  BVC-2014  campaign during Onam season 2014
Cir 06-2015 (BD) Draw for BHAGYA VARSHA CHITTIKAL (BVC-2014) – Announcement of results
Cir 07-2015 (FA) Finalisation of accoutns for 2013-14-Profitability of branches-guidelines issued to arrive at true profit  dt. 16.02.2015
Cir 08-2015 (P&HR)  Retirement of Company Employees dt. 16.02.2015
Cir 09-2015 (Recovery) Introduction of SMS facility in branches dt. 24.02.2015
Cir 10-2015 (P&HR) Conduct of Promotion test for the year 2014- further information dt 26.02.2015
Cir 11-2015 (CS) Usage of Malayalam as Official Language -26.02.2015
Cir 12-2015 (GAD) Stock of Stationery and Fixed Assets- Statement called for dt 26.02.15
Cir 13-2015 (GAD) Address and telephone Numbers of new  existing -branches - Intimated dt. 27.02.2015
Cir 14-2015 (CS) Official Language-Publishing of Padakosam dt 10.03.2015
Cir 15-2015 (BD) Reduction in Rate of  interest on Gold  Loan and change in procedure of collection of penal interest
Cir 16-2015 (BD) Modifications in the New Housing Finance Scheme (NHFS) dt 23.03.2015
Cir 17-2015 (FA) Chit Fund Act 1982 – Treatment of UndisbursedForfeited Veethapalisa in the Books of Accounts dt 23.03.15
Cir 18-2015 (FA) Annual closing of Accounts as on 31st March and audit observation of the Company by the dated 25.03.2015
Cir 19-2015 (BD) Revision of interest on Deposits and Loans dated 25.03.2015
Cir 20-2015 (FA) Enhancement in the rate of service tax on chitty scheme-abatement withdrawn dt. 26.03.2015
Cir 21-2015 (BD) Modifications in the Reliable Customer Loan (RCL) schemedt. 27.03.2015
Cir 22-2015 (P&HR) Revision of Dearness Allowance w.e.f. 01.07.2014 dt. 28.03.2015
Cir 23-2015 (BD) Enhancement in the upper limit of appraiser fee dt. 06.04.2015
Cir 24-2015 (BD) Low Key camqlign  dt 10-4-15
Cir 25-2015 (BD) Modifications in the New Housing Finance Scheme (NHFS)  dt 18.04.15
Cir 26-2015 (CS) General Administration – Right to Information Act, 2005-formulating record retention schedule for public authorities dt. 20.04.2015
Cir 27-2015 (RR) Multiple liabilities by Sri. Sobhandas A A and Smt. Sindhu dt. 20.04.2015
Cir 28-2015 (FA) Appointment of Statutory Auditors of the Company for the year 2014-15-Finalization of Accounts – Instructions issued – reg dt.20.04.2015
PBL New Documentation Procedure with Format & Undertaking dt 06-05-2015
PBL Application - New Format
PBL Undertaking - New Format
Cir 29-2015 (FM) New rate of Service Tax w.e.f 01.06.2015
Cir 30-2015 (BD) Awards for Branches & Regions-BSC 2014 dt 03.06.2015
Cir 31-2015 (BD) BSC 2014-Announcement of results dt. 08.06.2015
Cir 32-2015 (FA) P&L Acc and BS in respect of chit business for the year ended 31.03.2015 dt 16.06.2015
Cir 33-2015 (BD) Revision of Personal Surety Norms dt dt.18.06.2015
Cir 34-2015 (FA) Availing Cenvat Credit on Service Tax payable to Govt dt dt. 18.06.2015
Cir 35-2015 (GAD) Address and telephone Numbers of new  existing  branches dt. 19.06.2015
Cir 36-2015 (BD) Gold Loan Scheme- Gold accepted as security – Enhancement in the Gold Appraiser charges dt dt. 22.07.2015
Cir 37-2015 (Recovery) Liability against Company Employees.  Disbursement of Festival Advance Bonus & Incentive in connection with Onam – 2015 DT 30-07-2015
Cir 38-2015 (BD) Introduction of branded chitties “Bhagya Varsha Chittikal 2015” during Onam festival season
Cir 39-2015 (GAD) Printing and supply of Com calendar & diary for 2016 – addl requirement of Com diary at cost
Cir 40-2015 (Recovery)  Cheating the Company by offering bogus sureties and fake ID cards dt 13.08.2015
Cir 41-2015 (P&HR) Revision of Dearness Allowance w.e.f. 01.01.2015 dt 18.08.2015
Cir 42-2015 (BD) The apprehended strike  of gold appraisers on 24, 25 & 26 of Aug 2015 - directions issued dt.21.08.15
Cir 43-2015 (GAD) “Chitty Business Campaign 2014” Campaign-Reward to the employees-Distribution of Gold Coins of 1 gram each (.999 purity) - arrangements dt 21.08.2015
Cir 44-2015 (BD) Enrollment  of  NRIs  in  chits - Perm granted  to KSFE by  the  Govt dt 31.08.2015
Cir 45-2015 (IT) Missing installments in chitty personal ledger-further direction dt 10.09.2015
Cir 46-2015 (BD) Updation of Company website- “Newly announced chitties”
Cir 47-2015 (BD) Revision of interest on Deposit and Loans dt 09.10.2015
Cir 48-2015 (FA) Details of FD matured but remaining unclaimed-unpaid as on 31.03.201-uploading of information-details called for dt 12.10.2015
Cir 49-2015 (GAD) Address and telephone Numbers of new- existing branches - Intimated dt 13.10.2015
Cir 50-2015 (FA) Guidelines for filing Appeal against Order-in-original by STax Dept dt. 21.10.2015
Cir 51-2015 (BD) Celebration of KSFE day on 6th November 2015 dt. 31.10.2015
Cir 52-2015 (GAD) Renaming of Elettil Vattoli branch in Kozhikode District dt 09.11.2015
Cir 53-2015 (FA) Swachh Bharat Cess dt. 13.11.2015
Cir 54-2015 (GAD) Distribution of Company Calendar for the year 2016 dt. 25.11.2015
Cir 55-2015 (BD) Safe keeping of documents of Immovable properties dt 25.11.2015
Cir 56-2015 (FA) New Forms 15G and 15H dt. 28.11.2015
Cir 57-2015 (BD) Introduction of branded chitties “Bhagya Sreyas Chittikal 2015 dt 16.12.2015
Cir 58-2015 (FA) Estimated Profit & Loss AC for the current year 2015-16 dt . 19.12.2015
Cir 59-2015 (P&HR) Revision of Dearness Allowance w.e.f. 01.07.2015 dt. 19.12.2015
Cir 60-2015 (CS)  Malayalam official language dt dt 19.12.2015
Cir 61-2015 (BD) Revision of interest on Depostis and Loans-reg dt. 30.12.2015
Cir 62-2015 (P&HR) Renewal of contract with Ex-servicemen organisation and enhancement of amount
Cir 63-2015 (Recovery) Availing SMS from Spice Digital Ltd dt. 30.12.2015
--- Circulars of 2014 ---
 Cir 01-2014 (BD) Updation of website reg chitties
Cir 02-2014 (P&HR) Renewal of contract with Ex-servicemen
Cir 03-2014 (P&HR) Revision of DA wef 1-7-2013 dt 20-1-2014
Cir 04-2014 (FA) Estimated P&L Ac for the year 2013-14
Cir 05-2014 (BD) Thenmala-Ecotourism inclusion in the approved list of institutions
Cir 06-2014 (RR) Procedure for Preparation of RR Requisitions-guidelines issued
Cir 07-2014 (GAD) Local procurement of Gold coin to Low Key Campaign  dt 30.01.14
Cir 08-2014 (BD)  BVC Awards to Branches
Cir 09-2014 (BD) Draw for BVC 2013- results
Cir 10-2014 (P&HR) Retirement of Company Employees during the year 2015
Cir 11-2014 (BD) Senior Citizenship - Equal status to Public
Cir 12-2014 (GAD) Address and telephone Numbers of new&  existing  branches - Intimated
Cir 13-2014 (BD) NHFS - Modifications in the Processing charge and Administrative charge
Cir 14-2014 (IA&V) Modernisation of Internal Audit Dept.(Assignment of Units to IAD Teams)
Cir 15-2014 (BD) Modifications in Professional Educare Scheme
Cir 16-2014 (FA) Delay in forwarding TDS Credit note to H O
Cir 17-2014 (GAD) Electrical connection from KSEB-Regularization of unauthorised additional load to avoid penal action-measures to be taken
Cir 18-2014 (Recovery) Closure of defaulted chitty-loan accounts under cheque cases subsequent to legal procedure
Cir 19-2014 (GAD) Stock of Stationery and Fixed Assets- Statement called for
Cir 20-2014 (GAD) Address and telephone Numbers of new  existing  branches - Intimated
Cir 21-2014 (BD) Low Key Campaign- for the 1st quarter of FY 2014-15
Cir 22-2014 (GAD) Security Measures to be taken during the forthcoming continous and prolonged holidays
Cir 23-2014 (CS) RTI Act 2005-reg
Cir 24-2014 (BD) Measures to make NHFS nore attractive
Cir 25-2014 (BD) Delegation of powers modified- property valuation for chitty PM payment
Cir 26-2014 (BD) Revision of interest on Deposits and Loans
Cir 27-2014 (BD) Aided school teachers as sureties-norms modified
Cir 28-2014 (Recovery) Elimination of NPAoverdue GL ACs. Auction SaleContracted Sale of gold ornaments  in  overdue accounts
Cir 29-2014 (BD) BSC-2013-Announcement of result
Cir 30-2014 (BD) Enhancement of the limit of maximum liability that can be charged on a single property – modification of existing norms
Cir 31-2014 (BD) Inclusion of “Co-operative Academy of Professional Education” in the list of approved institutions for the acceptance of the permanent employees of the institution as Sureties Guarantors Loan
Cir 32-2014 (Recovery) Urgent action called for reducing default in Non-prized-prized chitties
Cir 33-2014 (FA) Finalisation of accounts  for  2012-13 – Profitability  of branches – guidelines issued to arrive at true profit
Cir 34-2014 (IT) Casba Pilot Study
Cir 35-2014 (P&HR) Revision of Dearness Allowance w.e.f. 01.01.2014
Cir 36-2014 (FA) Profit and Loss account and balance sheet in respect of chit business for the year ended 31.03.2014
Cir 37-2014 (BD) CVL dealer level tie-up & RCL Mela at branch level
Cir 38-2014 (BD) Disciuntinuance of acceptance of  General Category Sureties
Cir 39-2014 (FA) Rectification of Monthly ReportFund flow statement as on 31.07.2014-figures after pre-audit for March 2014 to be incorporated
Cir 40-2014 (GAD) Printing and supply of Calender and Diarydt  5-8-2014
Cir 41-2014 (P&HR) KSFE Staff co operative society Matters Freezing Released dt 05-8-2014
Cir 42-2014 (GAD) Actions to be taken as per Companies Act 20l3  -dt 12-08-2014
Cir 43-2014 (Recovery) Liability against Company employees-issue of Festival Advance, Bonus & Incentive in connection with Onam 2014-details called for reg
Cir 44-2014 (BD) Introduction of BVC 2014 BHAGYA VARSHA CHITTIKAL 2014 during Onam season- reg
Cir 45-2014 (BD) Right to Service Act- Monthly Report dt. 20.09.2014
Cir 45-2014 (GAD) Onam Holidays-Security Measures to be taken at branch level-orders issued dt 05-09-14
Cir 47-2014 (BD)  Celebration of KSFE day on 6th November 2014
Cir 48-2014 (FA) Details of Fixed Deposits matured but remaining unclaimedunpaid as on 31.03.2014 – uploading of information – details called for
Cir 49-2014 (P&HR)  dt. 19.11.2014-EPF 95 scheme-fresh option form
Cir 50-2014 (P&HR) Enhancement of remuneration of employees engaged on daily wage  basis
Cir 51-2014 (GAD) Inclusion of PIN code in the Name Boards of the offices and contact telephone numbers
Cir 52-2014 (BD) Entering into tie-up with Ms TVS Motor Company Limited at HO level for financing Auto Rickshaws, TVS-King manufactured by them
Cir 53-2014 (GAD) Distribution of Company Calendar for the year 2015 - Distribution centres and number of Calendars to be distributed from each centre - instructions issued
Cir 54-2014 (BD) Inclusion of KINFRA for the acceptance of its permanent employees of that institution as Sureties-Guarantors- Loanees
Cir 55-2014 (BD) Introduction of  branded chitties (BSC 2014) Bhagya Sreyas  Chittikal 2014 during ChristmasNew year  season
Cir 56-2014 (GAD) Inclusion of Toll Free Number of Vigilance & Anti Corruption Bureau in the existing Notice Boards displayed in our Offices
Cir 57-2014 (P&HR) Renewal of contract with Ex-servicemen organizations-enhancement of contract amount
Cir 58-2014 (FA) Estimated P&L Ac for the year 2014-15
Cir 59-2014 (P&HR) Staff Welfare-Scholarship to the Children-spouse of Company Employees for higher education above secondary level-applications called for
Cir 60-2014 (FA) Changes in Depreciation regulation under the Companies Act 2013-Treatment of depreciation under the new regime - intimated
Clarification dt 12-06-2015
--- Circulars of 2013 ---
Cir 01-2013 (Recovery) collection of arrears extending concession under OTS to RR&Non RR cases
Cir 02-2013 (BD) -enhancement in the upper limit of appraiser fee-intimation
Cir 03-2013 (P & HR) Promotion test
Cir 04-2013 (FA) Estimated Profit and Loss Account for 2012-13
Cir 05-2013 (P&HR)  Retirement of Company Employees
Cir 06-2013 (GAD)  Address & telephone number of new branches
Cir 07-2013  (FA) Service receiver's obligation of paying service tax on legal service
Cir 08-2013 (Recovery) Multiple liabilities  created by Sri M K Siva Kumar and his wife Smt S Sunitha
Cir 09-2013 (Plg)  Introduction of XPRESS MONEY Transfer service
Cir 10-2013 (BD) Draw for  BVC-2012 Announcement of results
Cir 11-2013 (GAD) Stock of Stationery & Fixed Assets
Cir 12-2013 (Recovery)  Current Action forCurrent Default- Instructions
Cir 13-2013 (BD) KSFE HARITHAM Scheme
Cir 14-2013 (FA) Year end operations directions issued
Cir 15-2013 (PLG)  Western Union Money Transfer-Cash Incentive to Branches
Cir 16-2013 (Plg)  Supply and Installation of Biogas Plants – KSFE HARITHAM Scheme
Cir 17-2013 (BD) spl chity Campaign for 1st quarter of 2013-14
Cir 18-2013(Plg) Right to Service Act 2012-KSFE-Gazetee Notification
Cir 19-2013 (Plg) Automatic renewal of FD
Cir 20_2013 (BD) Limiting the amount of advance under Gold Loan
Cir 21-2013 (BD) Further reduction of amount of advance under Gold Loan & Gold Security
Cir 22-2013 (Recovery)Containment of default inNon-prized chitties
Cir 23-2013 (BD) Cash Awards for the best performing Branches ln Bhagya Sreyas Chitty
Cir 24-2013 (P&HR) Enhancement of daily wages to Drivers dt 5-3-13
Cir 25-2013 (Plg) Automatic Renewal of Fixed Deposits matured but not renewed
Cir 26-2013 (P&HR) Ksfe Staff Co-operative Society related matter- Withholding the transaction of Assets of the employees DT 08-05-2013
Futher Clarification dt 9-5-2013
Cir 27-2013 (GAD) Renaming of Vatakara Evg Branch as Vatakara II
Cir 28-2013(GAD) BSC 2012 Campaign-Reward to the employees
Cir 29-2013(BD) KSFE Haritha-Change in payment clause
Cir 30-2013 (Recovery)  full interest waiver
Cir 31-2013 (P & HR) National level strike of employees on 20.02.2013 and 21.02.2013  dt 3-6-13
Cir 32-2013 (GAD) Energy conservation Act 2001- Measures to be taken for energy conservation in offices  dt 3-6-13
Cir 33-2013 (BD) BSC 2012- Announcement of Result
Cir 34-2013 (FA) Profit and Loss account and Balance sheet in respect of chitty business
Cir 35-2013 (BD)  KSFE Haritham-removal of suppliers of solar panel
Cir 36-2013 (CS) Appointment of Vice-Chairman of the company
Cir 37-2013 (P&HR) DA arrear sanctioned
Cir 38-2013 (Plg) Filing of receipts and expenditure
Cir 39-2013 (Recovery) Cheating of company by offering bogus sureties
Cir 40-2013 (BD) CFA -1982 - Substitution of Chitties further directions dt.29.06.2013
Cir 41-2013 (BD) Excemptions on Chitty Fund Act
Cir 42-2013 (P & HR) TA for PSC Verification
Cir 43-2013 (RR) closing of defaulted accounts at Branch level after initiating Revenue Recovery
Cir 44-2013 (BD)   Enhancement of Security Deposit of Door Collection Agents
Cir 45-2013 (recovery) dt 2.8.13Multiple Liabilities created under general category
Cir 46-2013 (GAD) dt 2.8.13- Bharana Bhasha Mathru Bhasha
Cir 47-2013 (Recovery) Collection of arrears extending concession under ots to rr and non rr cases
Cir 48-2013 (BD) Introduction of BHAGYA VARSHA CHITTIKAL 2013
Cir 49-2013 (GAD) Spl cosideration to Physically Handicapped persons
Cir 50-2013 (Recovery) Liability against Company employees-issue of Bonus & Incentive in connection with Onam 2013
Cir 51-2013 (BD) Enhancement of Financial Delegation- Monthly Expenses of Unit Heads
Cir 52-2013 (BD) Maximum amount of liability that can be created by an individual
Cir 53-2013 (GAD) Security Measures to be taken during the forthcoming prolonged holidays
Cir 54-2013 (GAD) Renaming of Kundara branch (047) in Kollam District - intimation
Cir 55-2013 (BD) Revision of interest on Deposits and Loans
Cir 56-2013 (GAD) Printing of Company Diary 2014
Cir 57-2013 (Recovery) OTS Extention dt.15.10.13
Cir 58-2013 (FA) Details of Fixed Deposits matured but remaining unclaimedunpaid as on 28.09.2013 – uploading of information – details called for
Cir 59-2013 (P&HR) Conduct of Promotion test for the year 2013-further information
Cir 60-2013(BD) Enhancement of limit of imprest cash  dt.22.10.2013
Cir 61-2013 (BD) Delegationof powers of various officers - New Chitty Loan  dt.22.10.2013
Cir 62-2013 (BD) Celebration of KSFE DAY on 6th November 2013
Cir 63-2013 (legal) Enhancement of panel advocte's fee
Cir 64-2013 (RR) Multiple liabilities  created by Sri C R Shaji and Associates
Cir 65-2013 (CS) RTI Act- Redesignation of Company Secretary
Cir 66-2013 (BD) Introduction of  Professional Educare Chitty Scheme
Cir 67-2013 (CS) Revision of the list of approved hospitals for the purpose of reimbursement of medical expenses, by addition of new hospitals – intimation
Cir 68-2013 (FA) Service Receiver’s obligation of paying Service Tax on renting of motor vehicle
Cir 69-2013 (GAD) Distribution of Calendar 2014
Cir 70-2013 (BD) Delegation of powers of various officers – NHFS and Introduction of upper cap for Processing charge and Administrative expense
Cir 71-2013 (BD) Door collection system and enhancement of security deposit of canvassing agent
Clarification dt 14-03-2014
Cir 72-2013 (BD)  inclusion of VNUALS in the approved list of institutions
Cir 73-2013 (GAD)  cash in-lieu of Gold Coins to the third prize winners of Low Key Campaign 2013 and BVC 2013
Cir 74-2013 (BD) Inclusion of MCC in the list of approved institutions
Cir 75-2013 (BD) Introduction  of  New branded chitties during Christmas and New Year season
Cir 76-2013 (P&HR)  Settlement reached in Bilateral Discussion-Pyment of Interim Relief
Cir 77-2013 (Recovery) Clearing of default arrears of Company employees in connection with disbursement of Arrear
Cir 78-2013 (BD) Enhancement of advance under gold loan
Cir 79-2013 (BD) Enhancement of Valuation Fee to be collected from customers
Cir 80-2013 (P&HR) Transfer of contributions on higher salary as pensionable salary to the Pension fund of employees under the EPS-95 scheme-reg
Cir 81-2013 (IT) Implementation of Core Application Software for Business Accounting(CASBA)
--- Circulars of 2012 ---
Cir 1-2012 (IA & V) Restructuring of IAD teams
Cir Cir 2-2012 (GAD) Company Mobile Phones- New Tarif Plan Implemented
3-2012 (FA) Estimated P&L Account for 2011-12
Cir 4-2012 (FA) Service Tax Remittance UNDER PROTEST
Cir 5-2012 (GAD) Swarna Varsha Chittikal-Gold Coins
Cir 6-2012 (BUS) SVC 2011 -Announcement of Results
Cir 7-2012 (FA) Dealy in remittance of statutory obligation
Cir 8-2012 (P&HR) Retirement of Company employees in 2013
Cir 9-2012 (BD)suvarna sreyas-extension
Cir 10-2012 (BD) Clarification of Vidhyadhanam
Cir 11-2012 (BD) Expansion & Development of Gold Loan Scheme
Cir 12-2012 (BD) Incorporating Vidhyadhanam data in MIS
Cir 13-2012 (BD) Revision of norms and enhancing of Loan  limits
Cir 14-2012 (P&HR) Officers Transfer Norms
Cir 15-2012 (BD) Low Key Campaign for 1st quarter of 2012-13
Clarification dt 9-4-2012 
Cir 16-2012 (CS) List of newly approved Hospitals
Cir 17-2012 (BD) Rental rates of Safe Deposit Lockers
Cir 18-2012 (BD) Awards for best performance in s SSC- 2011
Cir 19-2012 (BD) Awards for best performance in SSC 2011
Cir 20-2012 (PA) Refund of Service Tax on remuneration paid to Ex-Servicemen Increase in the rate of Service Tax dt 27-09-2007
Cir 21-2012 (BD)  Updation of chitties in web site
Cir 22-2012 (BD)  SSC 2011 results
Cir 23-2012 (IA & V) Monetary loss reported by IAD teams
Cir 24-2012 (GAD)  Renaming of Branches in EKM
Cir 25-2012 (Recovery) Extension of OTS
Cir 26-2012 (P & HR) PROMOTION TEST FOR THE YEAR 2011
Cir 27-2012 (CS)  Non-renewal of LIC Corporate Agency
Cir 28-2012 (GAD) Address & Telephone Nos of New-Existing Branches
Cir 29-12 (BD) Application of Chit Fund Act 1982 Rules Framed by Govt of Kerala Instructions Issued dt 21-06-12
Cir 30-2012 (GAD) Address & Telephone Nos of New-Existing Branches
Cir 31-2012 (FA) Details of FD matured but not claimed
Cir 32-2012 (P&HR) Revision of DA w.e.f 1-1-2012
Cir 33-2012 (FA) Belated credit note recovery from staff
Cir 34-2012(BD) WUMT-Introuduction of new facilities
Cir 35-2012 (BD) DOOR CDOLLECTION
Cir 36-2012 (BD)  Registration chitties under Chit Fund Act 82-clarificationsPrior sanction to register chitties
Cir 37-2012 (Recovery)- Extending OTS
Cir 38-2012 (BD) Chit Fund Act 1982 New Accounts to be Opened and Accounting Procedure dt 24-07-2012
Cir 39-2012 (BD) Bhagya varsha chittikal
Cir 40-2012 (BD) CVL tie up and RCL mela-instructions
Cir 41-2012 (Recovery) Staff Liability-Festival Advance- Bonus& Incentive-Onam 2012
Cir 42-2012 (GAD) Address & Telephone numbers of New Existing branches
Cir 43-2012 (BD) Bhagyavarsha chittikal-Purchase of Karunya Lottery Tickets - directions
Cir 44-2012 (GAD) Fiscal Man measures to control
Cir 45-12 (P & HR) Payment of Performance Incentive 
Cir 46-12 (P & HR) Onam allowance to agents
Cir 47-12 (P & HR) Onam allowance to retired employees
Cir 48-2012 (BD) Chitty PBL - Acceptance of NP PB as Security - Changes dt 01-09-2012
Cir 49-2012 (BD) Re-introduction of FSV in Property valuation
Cir 50-2012 (Recovery)  Bogus surety case
Cir 52-2012 (P&HR) Emhancement of daily wages of PTS
Cir 53-2012 (Recovery) Extension of OTS up to 31.12.2012 
Cir 54-2012 (GAD)  Distribution of Company Calendar 2013
Cir 55-2012 (BD) Tie up with Honda Seil Power Products Ltd
Cir 56-2012 (BD) Pass Book LoanAcceptance of Non Prized Pass Book as security
Cir 57-2012 (BD) Western Union Money Transfer – Cash Incentive to Branches
Cir 58-2012 (GAD)  Address & Phone Nos of New Branches
Cir 59-2012 (BD)  BVC 2012- Directions to purchase lottery for extended period
Cir 60-2012 (FA) Finalisation of Accounts for 2011-12- profitability-guidelines
Cir 61-2012 (BD) Celebration of KSFE Day
Cir 62-2012 (BD) KSFE-HARITHAM Scheme
Cir 63-2012 (BD)  WUMT-Cash incentive scheme to Branches & Regions
Cir 64-2012 (BD)  BVC-Purchase of Karunya Lottery for chitties after 31.10.2012
Cir 65-2012 (FA) Details of FD matured & unclaimed as on 27.09.12-data uploading
Cir 66-2012 (BD) Enhancement of advance per gram of gold
Cir 67-2012(P&HR) Revision of DA wef 1.7.12
Cir 68-2012 (P&HR)  Scholarship to ChildrenSpouse of Co. Employees for 2012-13
Cir 69-2012 (BD)  Introduction of New branded chitty-KSFE  BHAGYA SREYAS CHITTIKAL
Cir 70-2012 (BD) Awards for the best performing branchesregion in BHAGYA VARSHA CHITTIKAL
Cir 71-2012 (FA) Standardization and Enhancement of Security Features in Cheque
Cir 72-2012 (GAD) Address and telephone Numbers of new  existing branches - Intimated – reg.
Cir 73-2012 (P&HR) Renewal of contract with Ex-servicemen Organisations - enhancement of contract amount-  Reg
Cir 74-2012 (BD) Interest on defaulted instalments by a non-prized subscriber in chitty-reg
--- Circulars of 2011 ---
Cir 01-2011 (P & HR) Group Personal Accident Insurance Scheme - Inclusion of our Employees dt 05-01-2011
Cir 02-2011 (P & HR) Pay Revision to Company Employees with effect from 01.08.2007
Cir 03-2011 (P & HR) Pay Revision - Enhancement of maximum adanvance admissible under EHS dt 11-01-2011
Cir 04-2011 (BD) Pledging of Gold of below 18 Carat - Caution Reminder
Cir 05-2011(F.A) Profit &Loss Accont
Cir 06-2011 (P & HR) Retirement of Company Employees
Cir 07-2011 (GAD) Address and Telephone Number of Branches
Cir 08-2011 (P & HR) Strike on 07-07-2010 - Regularization of Absence of Employees
Cir 09-2011 (BD) Revision In Interest Rate of Deposits
Cir 10-2011(BD) Revision in Minimum Net Salary for the Company Employee
Cir 11-2011 (Recovery) Collection of Arrears Extending Concession under OTS
Cir 12-2011 (BD) Inordinate delay in Releasing Chitty Security Deposit with Treasury
Cir 13-2011 (P & HR) Conduct of Promotion test 2010 dt 31-01-2011
Cir 14-2011 (BD) Extension of PBC 2010 dt 01-02-2011
Cir 15-2011 (BD) Daily Door collection system -instances of discrepancy taking caution
Cir 16-2011 (IT) Implementation of Full Automation - Expansion of Team of Implementors
Cir 17-2011 (BD) Revised Financial delegation of various functionaries for acceptance and sanction of chitty prize
Cir 18-2011 (PLG) Cleansing of BS - Closing of Terminated Chitties dt 17-02-2011
Cir 19-2011 (BD) Special Chitty Campaign for Computerized Branches
Cir 20-2011 (GAD) Address and PH Nos of New & Existing Branches dt 30-03-2011
Cir 21-2011 (Recovery) Default Areears against Company Employees - Disbursement of Balance Pay Revision Arrears dt 07-04-2011
Cir 22-2011 (BD) Pathanamthitta Evening Renamed as Pathanamthitta II
Cir 23-2011 (FA) ST on FC and Other Chitty Items - Under Protest - Directions Issued dt 28-04-2011
Cir 24-2011 (BD) PRAVASI BANDHU CHITTIKAL (PBC-2010) – Announcement of results
Cir 25-2011 (BD) Gold Loan Scheme - Upward revision of Advance dt 05-05-2011
Cir 26-2011 (Recovery) Extending Concession Under OTS to RR & Non RR Cases - Directions dt 07-05-2011
Cir 27-2011(BD) Renaming of Loan Unit TVM as Ulloor Branch and New Med Coll Eve Branch dt 09-05-2011
Cir 28-2011 (FA) Revision of TA DA and Incidental Rates of Employees dt 16-05-2011
Cir 29-2011(P&HR) Enhancement of Data Entry Wages dt 18-05-2011
Cir 30-2011(P&HR) Pay Revision to Company Employees wef 01-08-2007 - Revision of DA dt 18-05-2011
Cir 31-2011(P&HR) Enhancement of Remuneration to Permanent PTS for Additional Duty dt 18-05-2011
Cir 32-2011 (FA) Statutory Audit - Observation of Auditors dt 19-05-2011
Cir 33-2011(BD) Multiple Liabilities by Sri.Jilson P Peter Salvation Army HSS TVM dt 30-05-2011
Cir 34-2011 (GAD) Address and Telephone Numbers of Branches
Cir 35-2011(P&HR) Resignation of Sri.PC Pillai MD dt 16-06-2011
Cir 36-2011 (BD) Multiple Liabilities by Sri.R Ramachandran College of Engn TVM dt 17-06-2011
Cir 37-2011(BD) Multiple Liabilities by Sri.G.Rajendran CBCID dt 23-06-2011
Cir 38-2011 (FA) Service Tax on Chitty - Refund Application dt 28-06-2011
Cir 39-2011(BD) Special Chitty Campaign
Cir 40-2011(BD) Creation of Multiple Liabilities by K Babu RP Checkpost Thenmala dt 13-07-2011
Cir 41-2011(BD) Creation of Multiple Liabilities by KK Asokan dt 20-07-2011
Cir 42-2011(RR) Smt.Bhargavi VK Assuming Charge as Deputy Collector RR dt 23-07-2011
Cir 43-2011(P&HR) Regularization of PSC Appointments - Directions Issued dt 28-07-2011
Cir 44-2011(BD) Multiple Liabilities by Santhoshkumar - Produced Fraudulent Document dt 05-08-2011
Cir 45-2011(Recovery) Referring Chronic Default cases to RR Directions Issued dt 05-08-2011
Cir 46-2011(Recovery) Liabity of Company Employees - Details Called for dt 05-08-2011
Cir 47-2011 (BD) Revision in interest rate
Cir 48-2011 (BD) Swarna Varsha 2011 Scheme Details  
Cir 49-2011 (CS) Reconstitution of the Board
Cir 50-2011 (GAD) Address & Ph nos of New & Existing Branches
Cir 51-2011 (RR) Extending Concession under OTS to RR & Non RR Cases dt 02-09-2011
Cir 52-2011 (BD) Creation of Multiple Liabilities by Sri.TC Rajan, Asst Professor College of Engineering TVM
Cir 53-2011(P&HR)  Incentive for 10-11
Cir 54-2011 (P & HR) Onam2011 
Cir 55-2011 (P&HR) Rs 500 to Agents
Cir 56-2011 (BD) Enhancing interest rates on deposits
Cir 57-2011 (BD) VDLS - Vidhya Dhanam Loan Scheme
Cir 58-2011 (BD) V D L S Correction in Account Code
Cir 59-2011 (Rec) OTS
Cir 60-2011(BD) Extension of SVC 2011 dt 12-10-2011
Cir 61-2011 (BD) Acceptance of Employees of Traco Cable Company Limited as Sureties & Guarantors dt 19-10-2011
Cir 62-2011 (P & HR) Renewal of Contact with Ex Servicemen - Enahancement of Amount dt 28-10-2011
Cir 63-2011 (BD) Extension of SVC 2011 dt 31-10-2011
Cir 64-2011(gad) Distribution of Company Calendar for the year 2012
Cir 65-2011 (BD) Containment of NP Default - Sub & Revival Campaign dt 04-11-2011
Cir 66-2011 (P & HR) Revision of DA wef 01-07-2011 dt 23-11-2011
Cir 67-2011 (BD) Audit of Chitty Balance Sheet - Clarification Regarding 13 auctions dt 26-11-2011
Cir 68-2011 (P&HR) GPAIS - Scheme Renewal - Enahancement in Premium and Sum Assured dt 28-11-2011
Cir 69-2011 (BD) Suvarna Sreyas Chittikal 2011
Cir 70-2011 (BD) Awards for Performers in Swarna Varsha Chittikal 2011
Cir 71-2011 (BD) Cash awards for yearly target achievers
Cir 72-2011 (P & HR) Staff Welfare - Scholarship 2011-2012 dt 09-12-2011
Cir 73-2011 (BD) Enhancing amount advanced under Gold Loan dt 13-12-2011
Cir 74-2011 (BD) SSC 2011 - Direction for display in branch notice boards dt 15-12-11
Cir 75-2011 (GAD) New Branch Added
Cir 76-2011 (P&HR) Right to Information Act - Order issued dt 31-12-2011
--- Circulars of 2010 ---
Cir 01-10(Recovery) Collection of arrears extending concession under OTS – to RR & Non RR cases dt 13-01-2010
Cir 02-10(GAD) Address and telephone Numbers of new and existing branches
Cir 03-10(P&HR) House Loan and Vehicle Loan to company employees for the year 2009-2010 dt 30-01-2010
Cir 04-10(P&HR) Retirement of Company employees dt 01-02-2010
Cir 05-10(FA) TDS furnishing of PAN – Intimation dt 01-02-2010
Cir 06-10(P&HR) Staff Welfare – Scholarship to the children spouse of the employees for higher
Cir 07-10(FA) Estimated Profit & Loss AC for the current financial year 2009-10
Cir 8-2010 (P & HR) Filling up of vacancy in the newly created post of Deputy General Manager Business & Operations
Cir 9-2010 (P & HR) Sutharya Keralam - Public Complaints
Cir 10-10 (GAD) Address and telephone Numbers of new existing branches
Cir 11-10(Legal) Maintenance of Legal records in Branch - instructions
Cir 12-2010 (P&HR) Display of Information for Public Complaints Clearing
Cir 13-10(Recovery) Collection of arrears extending concession under OTS dt 07-04-2010
Cir 14-10 (BD) Prohibition on entertaining NCL applications without the mandatory number of remittances in the dt 13-04-10
Cir 15-10 (BD) Door collection – Prohibition of Agents cheque in favour of subscribers collection dt 03-05-10
Cir 16-10 (BD) Awards for the best performance in Pravasi Bandhu Chittikal – 2009
Cir 17-10 (P&HR) National Association for the Blind – NAB Flags dt 15-05-2010
Cir 18-10 (P&HR) Conduct of Promotion test for the year 2009- further information dt 15-02-2010
Cir 19-10 (Def) PRAVASI BANDHU CHITTIKAL (PBC-2009) – Announcement of results
Cir 20-10 (BD) Launching of a Campaign for Chitty Substitution Revival for rendering the Chitty
Cir 21-10 (BD) Rationalisation of Door Collection commission payable to door collection agents
Cir 22-10 (FA) Statutory audit of the Company for the year 2008-09 – observation of auditors – intimation dt 08-06-2010
Cir 23-10 (CS) Medical Benefit Reimbursement
Cir 24-10 (GAD) Address and telephone Numbers of new existing branches
Cir 25-10 (FA) TDS – Change in the threshold limit dt 14-06-2010
Cir 26-10 (BD) Gold Loan Scheme - Upward revision of Advance dt 18-06-2010
Cir 27-10 (GAD) Address and telephone Numbers of new existing branches
Cir 28-10 (BD) Restricting the application of General Category Norms related to personal surety to Chitty
Cir 29-10 (Legal) Enhancement of Panel Advocates fee
Cir 30-10(BD)Growth of Chitty Scheme and achievement of targets  –  introduction of Ponnona Chittikal
Cir 31-10(P&HR) PAY REVISION  Circular (Leave Details)
Cir 32-10 (Recevory) Collection of arrears extending concession under OTS – to RR & Non RR cases
Cir 33-10 (PLG) Empowering Regional Offices & Branches to meet advertisement expenses for Ponnona Chittikal - 2010
Cir 34-10(GAD) Mobile phones with CUG facility provided to Officers
Cir 35-10 (RR) Appointment of Deputy Collector, KSFE Ltd, Sri. K.V. Muraleedharan
Cir 36-10 (BD) Assigning new  additional subscribers to the Door Collection Agent – Measures at
Cir 37-10 (GAD) Address and telephone Numbers of new existing branches - Intimated
Cir 38-10 (P & HR) Payment of Performance Incentive to Employees
Cir 39-10 (Recovery) Liability against Company employees - Issue of Bonus  Festival Allowance & Incentive
Cir 40-10 (P & HR) Festival Allowance to Agents
Cir 41-10 (P & HR) Bonus Festival Allowance to Retired Employees
Cir 42-10 (BD) Enahancement of Panel Advocate Fee - Further Clarification
Cir 43-10 (FA) Service Tax on Chitty - Refund Application
Cir 44-10 (GAD) Address and telephone Numbers of new existing branches
Cir 45-10 (GAD) Address and telephone Numbers of new existing branches
Cir 46-10 (BD) Modification in the system of allotting lottery tickets monthly to prompt subscribers in KGJC
Cir 47-10 (BD) Delay in withdrawing chitty prize money-guidelines issued-English
Cir 47-2010 in Malayalam
Cir 48-10 (PLG) Providing address e-mail id phone number of branches through sms - Mobile governance
Cir 49-10 (BD) Collection towards staff accounts and libaility - rectrictions on receiving cheque from third parties
Cir 50-10 (IAD) Procedure of Closing of Internal Audit files in a time bound manner
Cir 51-2010 (BD) Revision in Interest Rates on Deposit and Loan Schemes
Cir 52-2010 (BD) Gold Loan Scheme Upward revision of Advance
Cir 53-2010 (BD) 49-10 (BD) Collection towards staff accounts and libaility - further directions
Cir 54-10 (P&HR) Staff Welfare - Scholarship to the Children spouse of company employees
Cir 55-10 (BD) Pravasi Bandhu Chittikal 2010
Cir 56-10 (Recovery) Collection of arrears extending concession under OTS
Cir 57-2010 (GAD)  Address and telephone Numbers of new existing branches
Cir 58-2010 (Recovery) Defaulted Arrears against Company Employees - Details Called for
Cir 59-2010 (BD) Further Revision in interest Rates of Deposits & Gold Loan dt 27-11-2010
Cir 60-10 (BD) Extension of Special Loan Packages to Pravasi Bandhu Chitty
Cir 61-10 (BD) Awards for the best performance in Ponnona Chittikal-2010 Campaign
Cir 62-10 (GAD) Distribution of Gold Coins of 1 gram each (24 carat) to reward our employees
Cir 63-10 (BD) Interest concession to prompt subscribers in Pravasi Bandhu Chitty-2010 Campaign
Cir 64-10 (BD) Further Upward Revision in Interest Rates on Deposits
Cir 65-10 (BD) Modifications in the procedure for recouping Canvassing Commission dt 17-12-2010
Cir 66-10 (BD) Extending the Rewards to Chitty Agents and Gold Appraisers
Cir 67-10 (P&HR) Renewal of contract with Ex-service men Organisations - enhancement of amount
Cir 68-2010 (BD) Ponnona Chittikal 2010 - Annoucement of Results
Cir 69-10 (P & HR) Pay Revision to Company employees - implementation - Option called for
Cir 70-2010 (BD) Specifying all areas under all Panchayats Municipalities and Corporations as notified areas
Cir 71-2010 (CS) Medical Benefit Reimbursement - MACT and similar benefits - Guidelines issued
--- Circulars of 2009 ---
Cir 01-2009(PA) KSFE Re-organization approved by Govt - Creation of Super Branch with Provision for deployment of Addl. Manager
Cir 04-2009(Def) Balance outstanding up to and including Rs.1000- in individual accounts being
Cir 07-2009(Def) Security of general category - Increase in the number of cheque collected
Cir 08-2009(PA) Retirement of Company employees
Cir 10-2009(FA) Estimated Profit & Loss AC for the current year 2008-2009
Cir 11-2009(PA) Strike on 20.08.2008 - Regularization of absence of employees
Cir 12-2009(PA) Sad and unfortunate demise of the two Company employees
Cir 14-2009(Def) Default in high denomination chitties- furnishing the details through monthly
Cir 15-2009(FA) Manager's Monthly Certificate - instructions issued
Cir 16-2009(DEF) Defaulted arrears against Company employees, in the schemes of the Company as on 31.07.09
Cir 17-2009(Plg) Modification in the quarterly prizing structure of Ponnona chittikal 2007
Cir 18-2009 (BD) Gold Loan_Revision of rate per gram
Cir 19-2009(BD) Canvassing Cum Door Collection Agency - System rationalizing of
Cir 23-2009(GAD) Address and telephone Numbers of new branches
Cir 30-2009(def) PRAVASI BANDHU CHITTIKAL (PBC-2008) - Announcement of results
Cir 33-2009 (IAD) Delay in collection  realization of cheques - non-compliance of procedure for collection by
Cir 36-2009(BD & FA) Rivision of Interest Rate of Gold Loan and Deposits
Cir 38-2009(GAD) Address and telephone Numbers of new branches
Cir 39-2009(P&HR) Right to Information Act, 2005 - Appointment of Public Information
Cir 40-2009(Def) Chitty Scheme - allowing interest for unreleased prize money and credit in chitty account consequent to closure of security FD
Cir 41-2009(P&HR) Staff Welfare Fund Scheme - Tour subsidy to staff
Cir 43-2009(RR) Revenue Recovery - Corrective Measures
Cir 44-2009(FA) Finalisation of accounts for 2008-2009 - Profitability of branches
Cir 46-2009(P&HR) Issuing Receipts for Requests Received in Office
Cir 47-2009-(FA) Company Fixed deposit matured but not released for 7 or more years
Cir 48-2009(BD & FA) Revision of interest on Gold Loan and Fixed Deposits
Cir 49-2009(GAD) Address and telephone Numbers of new branches
Cir 50-2009(FA) Revision of interest on Fixed Deposits - Clarification issued
Cir 51-2009(P&HR) Right to Information Act, 2005 - Placing display Boards containing names
Cir 54-2009(BD) Acceptance of property security - instances of missing of property documents reported from branches - safe custody of original documents - directions
Cir 55-2009(Def) Defaulted arrears against Company employees, in the schemes of the Company as on 31.07.09
Cir 56-2009(Def) Collection of arrears extending concession under OTS - furnishing of data
Cir 57-2009(FA) Intimation of New account heads created - general instructions on accounting issued
Cir 58-2009(FA) Seizure of counterfeit notes of Rs. 1000- denomination by Anti Terrorism Squad (ATS)
Cir 61-2009(GAD) Address and telephone Numbers of new branches
Cir 62-2009(GAD) Address and telephone Numbers of new branches
Cir 64-2009(Def) Multiple liabilities created by Sri.C.Thankappan & Smt.R.Vanaja - Directions - Issued
Cir 65-2009(GAD) Address and telephone Numbers of new branches
Cir 68-2009(Def) Liability against Company employees - Issue of festival allowance, bonus & Incentive in
Cir 70-2009(PA) Payment of Performance Incentive to employees for the year 2008-2009
Cir 71-2009(P&HR)Daily Wages Enhancement-Circular
Cir 72-2009(BD) Enhancement in upper limit of appraiser fee
Cir 76-2009(GAD) Address and telephone Numbers of new branches
Cir 78-2009(RR) Procedure for preparing RRRs and sending RR Requisition to Collectorate
Cir 79-2009(FA) Financial Year 2009-10 Channge in TDS Rates
Cir 80-2009(BD) Date of Retirement of Government Employees and Teachers Unification
Cir 82-2009(PLG) LIC Corporate Agency - Modification in the Distribution of Commission
Cir 83-2009(BD & FA) Reduction in Interest Rate on Deposits and Major Loan Schemes
Cir 85-2009(P&HR) Conduct of Promotion Test-2006 dated 14-10-2009)
Cir 88-2009(FA) Electronic Transfer of Fund Through RTGS and NEFT
Cir 90-2009(BD) Pravasi Bandhu Chittikal 2009
Cir 91-2009(Plg) Ensuring Effectiveness of Internal Check System
Cir 95-2009(GAD) Address and telephone Numbers of new branches
Cir 96-2009(GAD) Distribution of Gold Coins of 1 gram each (24 carat) to reward our employees
Cir 97-2009(BD&FA) Reduction in interest rate on Deposits and Loan Schemes dt 17-11-2009
Cir 98-2009(BD&FA) Reduction in Interest Rate on Overdue period for STD dt 17-11-2009
Cir 99-2009(GAD) BSNL Special Package for KSFE - Tariff Plan Intimated
Cir 100-2009(BD) Ponnona chittikal-2009 - Mega draw - eligibility of subscribers to participate in the draw
Cir 103-2009(BD) Concessional Rate of Interest on SAOD Facility to Company Employees
Cir 104-2009(P&HR) Renewal of Contract with Ex Servicemen Organizations
Cir 105-2009 (IT) email to branches-07Dec09
Cir 106-2009(P&HR) Appointment of Sri.Sajeeth M DGM IAD & Sri.Pramodan AGM Legal
Cir 108-2009 (GAD) Address & Telephone Number of New & Existing Branches 
--- Circulars of 2008 ---
Cir 1-08 (BD) Reserve Bank notice regarding unauthorized banking activities of Paravur SNVR Co-Op Bank
Cir 2-08 (FA) Security of valuables records kept at branch premise
Cir 4-08 (FA) Units&RO holding cash or bank balance in excess of limit
Cir 8-08 (IAD) Printed copy of Audit Manual- forwarded
Cir 9-08 (BD) Pravasi Bandhu Chitties - Extension of Period
Cir 11-08 (RR) Revenue Recovery - Forwarding RRRs pertaining to the financial year 07-08
Cir 12-08 (PLG) Precaution in Disbursing Money under WUMT
Cir 13-08 (BD) Pravasi Bandhu Chitties - Canvassing Commission to the registered NRI Associates
Cir 14-08 (BD) Information regarding high returns that can be enjoyed by a chitty subscriber
Cir 16-08 (FA) Estimated Profit &Loss account for the currcnt year 2007-2008
Cir 17-2008 (PA) Transfer_Norms_Workmen
Cir 18-08 (GAD) Change in Address and Phone Number of Branches
Cir 19-08 (FA) Statutory Audit 2006-2007 Observation of Auditors
Cir 22-08 (BD) Acceptance of Plantation Property as Security
Cir 25-08 (GAD) Stock of stationery and fixed assets – statement called for
Cir 27-08 (IT) Remittance of Service Tax  – Uploading of data to the Central Server – instructions
Cir 31-08 (Default) Introduction of new OTS Campaign-Reporting of  Half Yearly Age wise Default Statement
Cir 34-2008 (BD) Gold Loan_Revision of rate per gram
Cir 36-08 (IAD) Gold appraiser’s fidelity insurance policy – enhancement of fidelity cover and tightening internal control system
Cir 42-2008 (RR) Appointment of C Sudhakaran Deputy Collector
Cir 43-08 (PA) Sexual Harassment Grievance Redressal Committee Constituted
Cir 45-08 (Default) Possibility of Cheating the Company by producing missing salary Certificate - Insturctions
Cir 46-08 (BD) Property Security - Acceptance of Property used for Industrial Purposes - Regulations
Cir 47-08 (BD) Introduction of Systems for  safe keeping of Original  Documents  of Immovable Properties in Units
Cir 47-08 PDCR annexure
Cir 49-08 (IAD) Customer Audit – Subscribers comments & remarks or oral statements
Cir 54-08 (FA) Finalisation of accounts  for  2007-08 – Profitability  of branches – guidelines issued to arrive at true profit
Cir 55-08 (Default) Bogus Surety Accepted as Security - Non-compliance of Instructions
Cir 58-08 (BD) Rental Charges of Safe Deposit Lockers - Revision
Cir 60-08 Multiple Liability - Inter Branch Liability Verification
Cir 63-08 (CS) Revision of the list of approved hospitals for the purpose of reimbursement of medical expenses –List of Approved Hospitals
Cir 64-08 (GAD) Lifting to higher tariff to avoid the remittance of excess amount of consumption of power
Cir 65-08 (BD) Gold Loan Business - Expansion of Business   Streamlining the procedures and check measures instructions
Cir 66-2008 (PA) Conduct of qualifying  written test for the year 2007- further information
Cir 68-08 (IAD) Control systems – compliance of rules & procedures of gold loan scheme
Cir 69-08 (PA) Sad and unfortunate demise of Smt. Pathummakutty.K
Cir 76-08 (BD) Modifications in Personal Surety Property Securty & Agency Norms
Cir 81-08 (Default) Conversion of Prize Money to Security FD - Unsecured portion adjusting proceeds
Cir 84-08 (FA) Proper Conducting of Chitty Business
Cir 88-2008 (BD) Modification of Agency Norms dt 28-08-2008
Cir 94-08 (Def) Taking over of Autokast Ltd and silk fabrication unit Cherthala by Indian Railways
Cir 95-08 (GAD) Address and telephone Numbers of new branches
Cir 96-08 (PA) Renewal of contract with Kerala State Ex-service League Security
Cir 98-08 (GAD) Address and telephone Numbers of new branches
Cir99-08 (PA) Review of staff strength as on 30.09.2008 - details in the prescribed proforma called for
Cir 101-08 (PA) Kerala Lok Ayukta Act 1999 – Filing of Property Statements
Cir 103-08 (Def) Creating unlimited liability and accumulation of default in the name of Company employees
Cir 106-08 (Def) Global economic recession – Taking precautionary measures well in advance
Cir 107-08 (BD) Default details of High denomination chitties – proforma forwarding
Cir 109-08 (Def) Reports on NPA Gold Loan accounts and default cases against Company employees
Cir 110-08 (IAD) Know Your Customer (KYC) Policy prescribed by R.B.I  - Strict compliance
Cir 111-08 (IAD) Monetary loss reported by audit teams – Voluntary remittance – requested
Cir 113-08 (PA) Festival Advance in connection with Christmas 2008
Cir 114-08 (BD) Daily Door collection system - irregularities noticed
Cir 116-08 (FA) Service Tax on Chitty - Refund Application Procedures
Cir 117-08 (Def) Keeping the chronic default cases without referring to RR – Directions issued
Cir 120-08 (def) Ponnona chittikal-2008 – Mega draw – eligibility of subscribers to participate in the draw
Cir 122-08 (Def) Ponnonachittikal 2008  - Intimation of the results and distribution of prizes
Cir 123-08 (BD) Pravasi Bandhu Chitties - Canvassing Commission to Associations
Cir 124-08 (BD) Data Bank for Agency Network
Cir 125-08 (BD) Reckoning the due date of PM payment as next Auction date
--- Circulars of 2007 ---
Cir 01-2007 (IT) Broadband Internet Connection to branches dt 05-01-2007
Cir 03-2007 (PA) Direct Recruitment of GM Finance - Appl called for dt 08-01-2007
Cir 04-2007 (BD) KGJ Chitties Dec 20016 Draw Result
Cir 5-2007 (PA ) Transfer of Assistants Applications Called for dt 17-01-2007
Cir 06-2007 (BD) Liability limit of single surety Enhancement
Cir 07-2007 (BD) Kerala Golden Jubilee chitties  - Extension of period for registration of chitties
Cir 08-2007 (BD) Enhancement of interest rate on Fixed Deposit
Cir 09-2007 (BD) Scintillating performance of the Branches in the Kerala Golden Jubilee Chitty Campaign
Cir 10-2007 (PLG) Postal Life Insurance - ascertaining surrender value of all such instruments
Cir 11-2007 (FA) Estimated Profit & Loss AC for the current year 2006-2007
Cir 12-07 (PA) Appointment of Sri.Mani Vithayathil as the Chairman of KSFE Ltd
Cir 13-2007 (FA) Final return of Fringe Benefit Tax for the year ended 31-03-2007
Cir 14-2007 (PA) Temporary transfer-working arrangements of workmen
Cir 15-2007 (BD) Enhancement of interest rates on Term Deposits
Cir 16-2007 (BD) Kerala Golden Jubilee chitties  - Jan 2007 chitty auction
Cir 17-2007 (PA) House Loan and Vehicle Loan to company employees for the year 2006-2007
Cir 18-2007 (PA) Right to Information Act, 2005 – Designating BM, RM and Officers in HO as Public Information Officers
Cir 19-2007 (BD) Uploading of KGJC data in time and with precision
Cir 19A-2007 (FA) Renewal of Flexy Deposit with banks
Cir 20-2007 (IAD) Due diligence and supervisory control over cash, valuables, securities
Cir 21-2007 (IT) Basic Computer Training to Staff Members
Cir 22-2007 (IT) Broadband Internet Connection to branches
Cir 22A-2007 (BD) Daily Door collection – Acceptance of account payee cheques
Cir 25-2007 (PLG) Special Computer Loan for employees - to purchase a computer – at   concessional rate
Cir 26-2007 (PA) Appointment of Sri.P.C.Pillai, as Managing Director of the company
Cir 27-2007 (BD) Kerala Golden Jubilee chitties  - Intimation of the results & matters relating to MEGA draw
Cir 28-2007 (RR) Revenue Recovery -forwarding RRRs pertaining to the financial year 2006-07
Cir 29-2007 (PLG) Fixed Deposits & CSDT - Senior Citizens – proof of age – more  documents
Cir 30-2007 (PLG) Lucky vat – distribution of cash prizes – immediate action in pending cases if any
Cir 31-2007 (PA) Festival Advance in connection with Vishu 2007
Cir 32-2007 (GAD) Stock of stationery and fixed assets – statement called for
Cir 33-2007 (PA) Sad and unfortunate demise of the three Company employees
Cir 34-2007 (PA) Staff welfare - Scholarship  to the Children-Spouse of employees
Cir 35-2007 (FA) Appointment of Statutory Auditors for the year 2006-07
Cir 36-2007 (FA) Budget for the year 2007-2008
Cir 37-2007 (IAD) Improving audit efficiency and timely completion of internal
Cir 38-2007 (D) Default – furnishing of half yearly default statement as on 31-3-07- clarification sought for
Cir 39-2007 (PA) Review  of  staff  strength as on 31.03.2007-details  in  the prescribed proforma called for
Cir 40-2007 (PLG) WUMT – debit notes forwarding of instructions
Cir 41-2007 (PA) Vishu, 2007 - Festival Advance disbursement
Cir 42-2007 (KGJC) KGJC -  Modification and removal of data from branches – Procedure Intimated
Cir 43-2007 (PA) Revision of Dearness Allowance – Orders issued
Cir 44-2007 (PLG) KSFE logo – competition entries invited
Cir 45-2007 (BD) Automatic renewal option to be  allowed to Deposits in CSDT, FD from Public and Short Term Deposit – Extension of the facility of allowing Sugama interest for overdue period to CSDT and STD also
Cir 46-2007 (FA) Financial Year 2007-08 – Change in Tax rates – Instructions issued
Cir 47-2007 (PLG) Luky Vat – Extension of the Scheme to the Year 2007-08
Cir 48-2007 (BD) Revision in lending rates – intimated
Cir 49-2007 (PA) Sad and unfortunate demise of Smt. Sheeja. T.S.(5251), Peon,  Moothakunnam Branch
Cir 50-2007 (GAD) Change of address - Telephone numbers of the branches - Intimated
Cir 51-2007 (FA) Annual closing of Accounts for the year 2006-2007 - New format of Trial
Cir 52-2007 (PA) Appointment of Sri.S.Sarath Chandran, as General Manager (Finance) of the company –intimation
Cir 54-2007 (BD) Term Deposits – granting of facility to avail the new interest rates without closure of FD
Cir 55-2007 (PLG) WUMT – Extension of services to more branches
Cir 56-2007 (PLG) Promotion of WUMT business – need for more advertisement and boosting
Cir 57-2007 (PLG) Training to canvassing agents – details called for
Cir 58-2007 (FA) Change in the rate of Service Tax – Communicated
Cir 61-2007 (PA) Retirement of Company employees
Cir 62-2007 (BD) Revision in lending rates – decision intimated
Cir 63-2007 (PA) Employees having additional qualification in Computer Science – willingness to work in the I.T. Department -  called for
Cir 65-2007 (PA) Employees having additional qualification in Computer Science – willingness to work in the I.T. Department -  called for – Amendment
Cir 67-2007 (RR) Reconciliation of HOC (RR) ac- for the financial year 2006-07– forwarding
Cir 68-2007 (PLG) Chitty intimation information through e-mail
Cir 69-2007 (PA) Conduct of qualifying  written test for the year 2006- further information
Cir 70-2007 (FA) Tax deducted at source on payments – general instructions issued
Cir 71-2007 (BD) Interest on deposits – enhanced rate allowed to senior citizens – clarification
Cir 72-2007 (PA) Conduct of qualifying  written test for the year 2006- further information
Cir 73-2007 (PA) Furnishing of caste detail of employees
Cir 74-2007 (BD) Enhancement of interest rates for FD from public, CSDT, FD created by transfer from prize money and FD by Senior Citizens
Cir 75-2007 (BD) Special Computer Loan to employees at concessional rate of interest – allowing the offer for a further period of 6 months
Cir 76-2007 (BD) Concessional rate of interest on Sugama Akshaya Over Draft facility to Company employees for regular remittance
Cir 77-2007 (BD) Floating Special Chitties-KSFE PONNONA CHITTIKAL 2007
Cir 78-2007 (PA) Festival Advance in connection with Onam, 2007
Cir 80-2007 (FA) Annual closing of Accounts 2006-2007 – Forwarding of CTB for the year
Cir 82-2007 (BD) Introduction of Canvassing cum Collection Agency system –rules regulating
Cir 83-2007 (BD) Enhancement in the interest rate of CSDT
Cir 84-2007 (KGJC) KGJC –  Delayed Uploading of  Register of Prompt Subscribers Register
Cir 86-2007 (BD) Canvassing cum Collection Agency system – clarification
Cir 87-2007 (PA) Onam, 2007 - Festival Advance disbursement
Cir 88-2007 (GAD) Printing of Company Calendar and Diary for the year 2008
Cir 89-2007 (PA) Payment of Performance Incentive to employees for the year 2006-07
Cir 90-2007 (PA) Early disbursement of salary for the month of August, 2007
Cir 91-2007 (PA) Payment of Bonus Festival Allowance for the year 2006-2007
Cir 92-2007 (D) Clearing of Default of  Company Employees in connection with disbursement of Bonus Performance incentive
Cir 94-2007 (BD) Introduction of a new set of Personal Surety Guarantee Norms for widening the base of eligible sureties
Cir 95-2007 (BD) Modifications in the procedures for acceptance of Property securities
Cir 96-2007 (PLG) WUMT commission for the year  2006-07- Cash prizes to top 10 branches
Cir 97-2007 (BD) KSFE PONNONA CHITTIKAL 2007 – distribution of prizes of Scratch & Win cards
Cir 98-2007 (PA) Sad and unfortunate demise of Sri. Pavithran.T.V.G.(3232), SGA,  Payyannur Branch
Cir 99-2007 (D) Furnishing of half yearly default statement as on 30-09-07-reducing the default of KGJ chitties
Cir 100-2007 (BD) PONNONA CHITTIKAL 2007 – Extension of period for registration of chitties – intimated
Cir 101-2007 (PA) Sad and unfortunate demise of Smt. Lathakumari. R.(3470)
Cir 102-2007 (PA) Revision of Dearness Allowance – Orders issued
Cir 103-2007 (BD) New set of personal surety norms – modification of the existing one and property valuation
Cir 104-2007 (pa) Remuneration to the Ex-Servicemen deployed through Ex-Services Organisations – Service Tax   on remuneration
Cir 105-2007 (pa) Review  of  staff  strength as on 30.09.2007  -  details  in  the prescribed proforma called for
Cir 106-2007 (BD) Ponnonchittikal –2007  Conduct of Mega draw and quarterly draw
Cir 108-2007 (PA) Chief Ministers Relief Fund – Contribution of one day’s salary – Deduction from the salary
Cir 109-2007 (MD) Safe custody of Keys and Valuables-Safety Measures to be taken
Cir 110-2007 (IT) Ponnona Chitties 2007 – Uploading of basic data to the Central Server – instructions
Cir 111-2007 (BD) Enhancement of the limit of NCL and delegation of sanctioning authority – decision intimated
Cir 112-2007 (BD) Revision of the interest rate of Gold Loan Scheme – decision intimated
Cir 114-2007 (BD) Introduction of a campaign under the name and style of Pravasi Bandhu Chitties
Cir 115-2007 (PA) Festival Advance in connection with CHRISTMAS 2007
Cir 116-2007 (pa) Sad and unfortunate demise of the two Company employees
Cir 117-2007 (D) Recovery of defaulted dues from DCRG -Judgment of Hon’ble High Court of Kerala -communicated
Cir 118-2007 (PA) Employees House Loan Scheme of the company – reckoning Part Time Service for determining minimum service for eligibility
Cir 120-2007 (BD) Ponnonachittikal 2007- clarification issued
Cir 121-2007 (pa) Staff welfare – Scholarship to the children spouse of company employees
Cir 122-2007 (BD) Introduction of a package of advances to make Pravasi Bandhu Chitty Campaign more attractive
Cir 123-2007 (FA) Applicability of service tax on chitty scheme
Cir 124-2007 (PA) Employees House Loan of the company grant of Additional Loan according to revised Basic Pay as per Long Term Settlement
Cir 126-2007 (pa) Christmas, 2007 - Festival Advance disbursement
Cir 130-2007 (PA) Selection to the post of Junior Assistant from the Cadre of Peon-Watchman etc
Cir 131-2007 (BD) Ponnonachittikal 2007  - Intimation of the results  and distribution of prizes
Cir 132-2007 (BD) Amendments in the Agency Norms for encouraging Canvassing Activities along with Daily Collection
Cir 133-2007 (BD) Forwarding of files of chitty prize money payment loans  advances etc for sanction from HO
--- Circulars of 2006 ---
Cir 1-2006 (PA) Extension of Service of MD KB Sudheer Babu dt 02-01-2006
Cir 4-2006 (FA) TDS Verification and Compliance – Financial Year  2005-06 - Errors and  Omissions -reporting
Cir 06-2006 (D) Multiple liabilities created by certain persons in various branches of KSFE Ltd
Cir 7-2006 (PA) Medical expenses of employees - perquisite valuation under the Income Tax Act
Cir 8-2006 (PLG) Interest Rates Applicable to CSDT and FD
Cir 10-2006 (PA) Sad and unfortunate demise of Sri.Prakash.A.P. (1525), Asst. Manager, Ambalappuzha Branch
Cir 11-2006  (FA) Estimated Profit & Loss AC for the current year 2005-2006
Cir 12-2006 (FA) Updation of accounts as on 31.12.2005 by 10.02.2006
Cir 13-2006 (FA) Implementation of Fringe Benefit Tax (FBT) – Finance Act 2005 – Instructions issued
Cir 15-2006 (D) Cheating the Company by offering Salary Certificates, which are of bogus in nature
Cir 16-2006 (PA) Sad and unfortunate demise of Sri.Surendran Pillai A
Cir 17-2006 (PA) Sad and unfortunate demise of Sri. Sebastian Norbert. P.(413), Manager Gr.III
Cir 18-2006 (PA) Revision of Dearness Allowance - Orders issued
Cir 20-2006 (PA) Staff welfare – Scholarships to children-spouse of employees for higher education for the year 2005 – 2006
Cir 21-2006 (FA) Return to be filed with the Reserve Bank of India as on 31.03.2005 furnishing of information
Cir 23-2006 (PLG) WUMT Service - Second incentive scheme to branches and ROs
Cir 24-2006 (PLG) Attainig the Chitty Business Target in Time
Cir 25-2006 (PA) Allocation of Funds to Staff Welfare Schemes
Cir 26-2006 (PA) Festival Advance in connection with Vishu 2006
Cir 28-2006 (PA) Settlement of Gratuity due to Sri.M.K. Karthikeyan
Cir 38-2006 (FA) Appointment of Statutory Auditors for the year 2005-06
Cir 41-2006 (PA) Vishu, 2006 - Festival Advance disbursement
Cir 42-2006 (PLG) Santhwanam Insurance Coverage for Prized Subscribers and Loanees
Cir 43-2006 (EDP) First Phase of Computerisation – Implementation
Cir 44-2006 (plg) Clarificatin Issued to Circular 42-2006
Cir 45-2006 PLG  Gold Loan Scheme- rate per gram-modification- communicated
Cir 46-2006 (PA) Retirement of Company employees
Cir 49-2006 (PA) Payment of Advance against pay revision arrears
Cir 51-2006 (PLG) SAOD Extending to Government Employees SREG
Cir 52-2006 (PLG) Kanakadhara Loan Scheme for purchase of Gold for marriage
Cir 55-2006 (PLG) Clarification of Kanakadhara Loan Scheme
Cir 56-2006 (BD) Acceptance of LIC Policy as security in our various schemes  -  Service charges levied by Ms. LIC of India for assignment of the policy
Cir 59-2006 (PLG) Daily Door Collection - Minimum installment amount and commission
Cir 61-2006 (PA) Sad and unfortunate demise of Smt. Ramani. A.R.(910), Assistant Manager
Cir 63-2006 (PA) Implementation of Pay Revision  with effect from 01.08.2002
Cir 64-2006 (FA) Annual closing of Accounts for the year 2005-2006 - 3CD forms and new
Cir 66-2006 (PA)  Conduct of qualifying written test for promotion to the position of AM BM
Cir 68-2006 (BD) Non-attainment of Chitty targets as scheduled in the month for the fiscal 2006-07
Cir 70-2006 (BD) Agency commission to the chitty Canvassing Agents  -  Restoration of the previously prevalent system and modification of the system of bonus payment to the agents
Cir 75-2006 (PLG) NIc General Insurance corporate Agency
Cir 76-2006 (PLG) Illegal Currency Notes of Rs.500
Cir 79-2006 (PLG) SAOD Facility to Govt Employees SREG - Modifications
Cir 80-2006 (PLG) Mangalya Loan Introduction
Cir 81-2006 (FA) Sales Tax Recoverable on auction sale of Gold Ornaments
Cir 86-2006 (PA) Festival Advance in connection with Onam 2006
Cir 91-2006 (PA) Payment of Performance Incentive to employees for the year 2005-06
Cir 92-2006 (PA) Early disbursement of salary for  the  month  of  August 2006 - Orders issued
Cir 95-2006 (FA) Cenvat credit on Service Tax payable to Government
Cir 96-2006 (BD) Lucky VAT – Kerala Government Programme  -  Support from KSFE
Cir 102-2006 (PA) Payment of Bonus & Festival Allowance for the year 2005-2006
Cir 104-2006 (PA) House Loan to company employees for the year 2006-07
Cir 107-2006 (BD) Strategies for attaining the Goals of  Sugama Deposit Campaign
Cir 109-2006 (PA) A.Akbar – resignation from the position of Managing Director- relieved and charge handed over
Cir 110-2006 (FA) Quarterly return of Fringe Benefit Tax for the second quarter ended on 30th September 2006
Cir 112-2006 (PA) Sad and unfortunate demise of Smt. Santha V.A.(763)
Cir 113-2006 (PA) Review  of  staff  strength as on 30.09.2006  -  details  in  the prescribed proforma
Cir 116-2006 (PA) Early disbursement of salary for  the  month  of  October  2006 - Orders issued
Cir 117-2006 (PLG) Acceptance of Postal Insurance Policies as Security
Cir 118-2006 (BD) Facility of recalculation of EMI on advance remittance dt 19-10-2006
Cir 121-2006 (BD) Acceptance of employees of Kerala Hindi Prachar Sabha as sureties guarantors in our various schemes
Cir 123-2006 (PA) Enhancement of the maximum amount payable for getting typing works Data Entry Works done by Job Typists
Cir 125-2006 (FA) T.A., D.A. and Incidental rates payable to the employees of the Company – revision
Cir 126-2006 (BD) Registration of chitties from 01.11.2006  -  Allotting Number I  (i.e. Chittal  No: I) to Foreman’s statutory Ticket  -  Instructions issued
Cir 131-2006 (PLG) WUMT Decentralization of Processes
Cir 133-2006 (Legal) Protection of Women from Domestic Violence Act 2005 - legal impact in creation of mortgage- regarding
Cir 134-2006 (PA) Festival Advance in connection with Christmas 2006
Cir 135-2006 (PA) Staff welfare – Scholarship to the children spouse of company employees for higher education above secondary level
Cir 136-2006 (BD) Levying interest on New Chitty Loan (NCL) and Chitty Pass Book Loan
Cir 137-2006 (PA) Renewal of contract with Ex-servicemen Organisation – enhancement of contract amount
Cir 138-2006 (PA) All India Strike on 14.12.2006 called for by some Trade Unions - steps to be taken to ensure normal functioning of office – instructions issued
Cir 139-2006 (BD) Gold security  -  Rate per gram at par with that of Gold Loan  -  revision
Cir 140-2006 (BD) Daily Door collection – Acceptance of account payee cheques
Cir 141-2006 (BD) Maximum amount of chitty liability that can be charged to the landed property security -  Enhancement
Cir 142 - 2006 (BD) Changes in the pattern of Agency commission and other rules and regulations related to chitty canvassing agents
Cir 145-2006 (PA) Christmas - Festival Advance disbursement
Cir 146-2006 (PA) Estt.  -  Early disbursement of salary for  the  month  of  December 2006
Cir147-2006 (BD) Kerala Golden Jubilee chitties  -  chitties to be included in the prizing scheme  -  clarification
Cir149-2006 (FA) Quarterly return of Fringe Benefit Tax for the third quarter ended on 31st December 2006
--- Circulars of 2005 ---
Cir 1-2005 (PA) Appointment of Company Secretary – duties, functions and responsibilities 
Cir 02-2005 (RR) Special offer to RR Non RR defaulters – extension of the present scheme for 3 more months 
Cir 03-2005 (PLG) 0% interest for one year – Margin Money buy back scheme 
Cir 5-2005 (BD) Recovery of dues from the salary of Defaulters belonging to salary Recovery Enforceable group 
Cir 06-2005 (PLG) Personal surety norms – Clarification 
Cir 06-2005 (PLG) Table 
Cir 07-2005 (PLG) Business Progress in our New Ventures of Fee Based Activities 
Cir 09-2005 (PLG) Introduction of Flexy Trade Loan Scheme 
Cir 11-2005 (PA) Tsunami mishap – contribution to the Chief Minister’s calamity Relief Fund 
Cir 12-2005 (PLG) Amendment to Deposit -  in – Trust scheme -  granting higher rate of interest on FD from public on renewal 
Cir 13-2005 (PLG) Conversion of Loan Units into Full-fledged Units – Extending authority for sanctioning NHFS Loan to selected Branches 
Cir 15-2005 (PA) Staff welfare – Scholarships to children-spouse of employees 
Cir 16-2005 (PLG) LIC Corporate Agency – List of Branch level Business Promoters 
Cir 19-2005 (PA) Staff Welfare Schemes for Employees 
Cir 20-2005 (PLG) Acceptance of LIC Policy in the name of person other than loanee subscriber 
Cir 21-2005 (FA) Renewal of Flexy FD with Dhanalakshmi Bank Ltd 
Cir 22-2005 (BD) Back log in business targetted for the  year 2004-05 - full participation of staff required 
Cir 23-2005 (PLG) Waiver of default interest on all non-prized subscribers who update their tickets within the campaign period 
Cir 24-2005 (FA) Timely renewal of Fixed Deposit with Treasury other than Chitty security deposits 
Cir 25-2005 (PLG) Introduction of Tax Planning Loan Scheme 
Cir 26-2005 (PLG) Introduction of Smart Chitty Bridge Loan (SCBL) for reducing non-prized default 
Cir 27-2005 (FA) Convergence of TDS Credit Note and Annexure Form 
Cir 28-2005 (FA) Annual Closing of Accounts 2004-05 Write off Rs.1000 or below outstanding 
Cir 30-2005 (FA) Payment of Service tax for the month of March – 2005 
Cir 31-2005 (FA) Appointment of Statutory Auditors for the year 2004-05 
Cir 32-2005 (PLG) 0% interest for one year 2 year – Financial-tie-up with (Sansui) 
Cir 33-2005 (FA) Filing of duly completed 15H 15G with the Income Tax Authorities 
Cir 34-2005 (PA) Sad and unfortunate demise of Sri. Rajan.J.(3353), PTS, Neyyatinkara I 
Cir 36-2005 (PA) Festival Advance in connection with Vishu 2005 
Cir 37-2005 (PLG) Valuation of landed property 
Cir 39-2005 (PLG) Western Union Money Transfer Service – Decentralisation of processing of transactions 
Cir 40-2005 (BD) Introduction of prizing scheme for prompt chitty subscribers and loanees 
Cir 41-2005 (PLG) Chitty Liability Waiver Scheme – withdrawal of the scheme with effect from 01.04.2005 
Cir 42-2005 (PLG) Waiver of default interest on non-prized chitties – extension of special offer 
Cir 43-2005 (PA) Revision of Dearness Allowance - Orders issued 
Cir 44-2005 (BD) Achievement of Chitty Business Targets by all the Regions of the Company 
Cir 45-2005 (PA) Revision of the list of approved hospitals for the purpose of reimbursement 
Cir 47-2005 (PA) Vishu - Festival Advance disbursement 
Cir 48-2005 (FA) Chitty liability waiver upto a future liability of One Lakh 
Cir 49-2005 (PLG) Spreading of Daily Door Collection Agent Service to all branches 
Cir 50-2005 (PLG) Smart Chitty Bridge Loan (SCBL) Scheme – Extension of period 
Cir 51-2005 (BD) Allowing interest on unclaimed prize money in terminated chitties 
Cir 52-2005 (PLG) LIC Corporate Agency – Special cash prizes  to branches 
Cir 53-2005 (IAD) Directions to IAD Teams – strengthening of Internal Audit – instruction 
Cir 55-2005 (PA) Opening of Training School to impart systematic training to the Company employees 
Cir 56-2005 (D) NPA NCL and NPA Other advances Statements as on 31-3-2005 
Cir 57-2005 (PA) NPA NCL and NPA Other advances Statements as on 31-3-2005 
Cir 58-2005 (BD) Attainment of chitty business targets by our Branches 2004-05 
Cir 59-2005 (PLG) Reduction in lending rates under NHFS 
Cir 61-2005 (PA) Sad and unfortunate demise of Sri.P.Kunhappan (1991) 
Cir 62-2005 (PLG) Personal surety norms – Modifications – intimated 
Cir 64-2005 (BD) Promotion of deposits under Sugama Deposit scheme through enhancement 
Cir 65-2005 (FA) Holding Cash-bank balance by a branch - Enhancement in maximum limit 
Cir 66-2005 (FA) Fund mobilization 
Cir 67-2005 (FA) Finalisation of Accounts for 2004-2005 
Cir 68-2005 (PLG) Value additions to chitty - Liability weaver in case of death of prized subscribers 
Cir 70-2005 (PLG) Introduction of “Sugama (Akshaya) Overdraft facility for KSFE employees 
Cir 74-2005 (FA) Fund Management – instructions issued  
Cir 75-2006 (BD) Mobilization of fund under Fixed Deposit & Deposit in Trust  - rates enhanced 
Cir 76-2005 (FA) Due date of payment of Service Tax – Changes intimated 
Cir 77-2005 (IAD) Internal Audit – submitting reply to audit reports – strict instructions issued 
Cir 78-2005 (PLG) Streamlining the functioning of office for a disciplined approach to achieve the objective to ease & for better service 
Cir 79-2005 (FA) Government permission for the withdrawal of periodical interest on treasury deposits 
Cir 80-2005 (BD) Release of Chitty Security Deposits 
Cir 81-2005 (BD) Mobilization of deposits under FD and Sugama Schemes to meet fund requirements 
Cir 83-2005 (BD) Enrollment of new customers in chitties 
Cir 84-2005 (BD) Exercising more caution in accepting properties as security and re-fixing the upper limit of RCL 
Cir 86-2005 (IAD) Internal Audit – submitting reply to audit reports – modification to earlier directions issued 
Cir 88-2005 (PLG) Introduction of short term fixed deposits and enhancement of rate of interest for fixed deposits from public and csdt 
Cir 91-2005 (PLG) Value addition to chitty – liability waiver up to a future  liability of Rs. 1,00,000 in case of death of prized subscribers 
Cir 92-2005 (BD) Measures to contain default in  RCL and other advance schemes 
Cir 94-2005 (FA) Annual closing and audit of Accounts – 2004-’05 – speedy action solicited 
Cir 96-2005 (PLG) Spreading of Daily Door Collection Agent Service to all branches 
Cir 97-2005 (BD) Instructions in Circular No.84-2005 (BD) and 90-2005(RR) 
Cir 98-2005 (PA) Retirement of Company employees 
Cir 99-2005 (PLG) MOU signed with National  Insurance Company Limited 
Cir 100-2005 (PLG) Meeting of chitty auditors - communicated 
Cir 101-2005 (AC) Quarterly returns on interest payment not exceeding Rs. 5000 p.a on Sugama and Fixed Deposit Scheme 
Cir 104-2005 (PLG) Reducing the number of forms used while Company FD is accepted as security to chitty  loan schemes – Modified forms attached 
Cir 105-2005 (PLG) LIC Corporate Agency – Business Performance evaluation for the year 2004-05 – Cash Awards 
Cir 108-2005 (PLG) Withdrawal of promotional expenses for mobilising Fixed Deposits 
Cir 110-2005 (PLG) 0% Interest for one year -  Financial tie-up with Ms. Philips India Ltd 
Cir 111-2005 (PLG) Enhancement of the rate of interest on CSDT for periods of less than one year and its premature closure and renewal of STD 
Cir 112-2005 (BD) Organizing CVL and RCL Melas in connection with Onam 
Cir 114-2005 (PA) Festival Advance in connection with Onam 2005 
Cir 115-2005 (D) Default by Company employees 
Cir 116-2005 (PLG) 0% Interest for one year -  Financial tie-up with Ms. MIRC Electronics Ltd (IGO) 
Cir 117-2005 (PLG) % Interest for one year 2 year, Margin money buy back scheme - Financial tie-up with Ms. ECOM COMPUSHOPE.COM LTD 
Cir 118-2005 (PLG) 0% Interest for one year -  Margin Money buy back scheme - Financial tie-up with Ms. SAMSUNG India Electronics Ltd 
Cir 119-2005 (PLG) Western Union Money Transfer Service – Special Business Promotion Campaign during Onam Season 
Cir 120-2005 (PLG) Boosting up of business under CVL  RCL schemes during the ensuing Onam festival season 
Cir 122-2005 (PLG) 0% Interest for one year -  Financial tie-up with Ms. Indroyal Furniture Company Pvt. Ltd
Cir 123-2005 (PLG) Enhancement of the limit of the advance under CVL scheme for purchase of household durables to 95% of the invoice price during Onam season for tie up 
Cir 125-2005 (PLG) 0% Interest for one year -  Financial tie-up with Ms. Hyundai Electronics India Ltd 
Cir 126-2005 (PLG) 0% Interest for one year -  Financial tie-up with Ms. L.G. Electronics India Pvt Ltd 
Cir 128-2005 (BD) Organizing CVL RCL Melas in connection with Onam- incurring of promotional expenses on CVL – sanctioned-RCL 
Cir 129-2005 (PLG) 0% Interest for one year 2 year, Margin money buy back scheme - Financial tie-up with Ms. SHARP INDIA LTD 
Cir 130-2005 (PA) Onam - Festival Advance disbursement 
Cir 133-2005 (PA) Payment of Performance Incentive for the year 2004 – 05 
Cir 136-2005 (PA) Review  of  staff  strength as on 30.09.2005  -  details  in  the prescribed proforma 
Cir 138-2005 (PA) Property statements of staff – details called for by Kerala Lok Ayuktha - proforma forwarding of 
Cir 139-2005 (PA) All India Strike on 29.09.2005 exhorted by some Trade Unions steps to be taken to ensure functioning of office 
Cir 140-2005 (PLG) Reduction of interest on FD from public 
Cir 142-2005 (PA) Maintenance of office premises clean – removal of unnecessary posters from office premises 
Cir 150-2005 (D) Cheating the Company by producing bogus salary Certificates issued from Agriculture Office, Palayam Road, TVM 
Cir 152-2005 (D) NPA NCL and NPA Other advances Statements as on 30.09.2005 
Cir 156-2005 (D) Surety offered for more than 10 accounts - Multiple liabilities created 
Cir 157-2005 (BD) Enhancing the limit of advance under RCL scheme on property security 
Cir 158-2005 (PLG) Acceptance of Flats as Security for our various schemes dt 14-11-2015
Cir 159-2005 (D) Multiple liabilities created by Sri. MV. Soman, LDC, Govt. TTI, Edappally, Kochi-24 
Cir 162-2005 (PA) All India Strike on 29.09.2005 – unauthorized absence 
Cir 164-2005 (D) Cheating the Company by producing Salary Certificates issued from Agricultural Offices at various locations 
Cir 165-2005 (PA) Festival Advance in connection with Christmas 2005 
Cir 167-2005 (FA) Sending intimations to fixed deposit holders whose deposits are remaining unclaimed for more than six months from the date of maturity 
Cir 168-2005 (BD) Reimbursement of canvassing expenses to staff as an incentive for their active participation 
Cir 171-2005 (BD) Company Employees - Forwarding of payment files to HO 
Cir 172-2005 (CS) 68 more hospitals to Medical Reimbursement List 
Cir 174-2005 (PA) Early disbursement of salary for  the  month  of  December 2005 
Cir 175-2005 (PA) Christmas - Festival Advance disbursement 
Cir 176-2005 (PA) Revision of Dearness Allowance - Orders issued 
Cir 177-2005 (PLG) Accepting Cheque for Unsecured Portion 
Cir 178-2005 (D) VRS-Employees of Kerala State Drugs and Pharmaceuticals Ltd., Kalavoor, Alappuzha
--- Circulars of 2004 ---
Cir 01-2004 (BD) Regional Conference of Managers  Jan. – Feb. 2004 
Cir 02-2004 (RR) Special Concession to chitty defaulters under RR - extension of time 
Cir 03-2004 (D) VRS-Employees of Kerala State Drugs and Pharamaceuticals Ltd., Kalavoor, Alappuzha
Cir 05-2004 (PA) Revision of Dearness Allowance - Orders issued 
Cir 06-2004 (FA) Sales Tax recoverable on auction sale of gold 
Cir 07-2004 (BD) Award to S.S.L.C. topper among the children of K.S.F.E. Employees 
Cir 08-2004 (PLG) Uniformity in official correspondence - Minimum requirements to be fulfilled 
Cir 09-2004 (D) Non-remittance of amount recovered from salary of KSRTC employees 
Cir 10-2004 (PLG) Condition stipulating insistence of Customer Profile for Chitty Prize Money Payments 
Cir 11-2004 (PA) Staff welfare – Scholarships to children, spouse of employees 
Cir 12-2004 (BD) Shortage in RCL in several Branches 
Cir 13-2004 (PA) Selection to the post of Peon, Watchman from the Cadre of PTS 
Cir 14-2004 (PLG) O T S  Concessions (Non-RR) at a glance 
Cir 15-2004 (FA) Estimated Profit & Loss AC for the current year 2003-2004 
Cir 16-2004 (FA) R.B.I directions to Miscellaneous Non-Banking Companies -  Return to be filed with the RBI 
Cir 17-2004 (D) Multiple liabilities created by certain persons in various branches of KSFE Ltd 
Cir 18-2004 (D) Winding up of Kannur District Co-operative Rubber and Agricultural Marketing Society 
Cir 20-2004 (FA) Tax Deduction at Source (TDS) - Compliance of Rules and procedures 
Cir 21-2004 (BD) Collecting the data base regarding the Chitty security Deposit and its pendency 
Cir 22-2004 (PLG) Extending the facility for shifting to new rate to live loanees under loan schemes 
Cir 23-2004 (RR) Procedure for accounting RR accounts closed or up to dated  transferred back to Units  
Cir 24-2004 (D) VRS - Employees of Travancore Plywood Industries Ltd., Punalur 
Cir 25-2004 (D) Multiple liability created by  Sri. T.D. Jayakumar 
Cir 26-2004 (D) VRS - Employees of FACT Ltd., Aluva - Recovery of KSFE dues 
Cir 28-2009 (GAD) Change of address Telephone numbers of the branches 
Cir 29-2004 (D) Multiple liabilities created by certain persons in various branches  
Cir 30-2004 (PA) Performance Incentive for the period 2002-03 – Amendment 
Cir 31-2004 (D) Involvement of Branch in the collection drive- introducing CRRA and OTS campaign 
Cir 32-2004 (RR) RR- Ending of OTS campaign on 31.03.2004 - follow up 
Cir 34-2004 (D) Cheating the Company by producing bogus salary Certificates 
Cir 35-2004 (PA) Festival Advance in connection with Vishu 2004 
Cir 36-2004 (PA) Sad and unfortunate demise of Sri. Appukuttan.S (295), Asst. Manager (HG) 
Cir 37-2004 (PA) Sad and unfortunate demise of Sri. A.S.Sivarajan (1208) 
Cir 38-2004 (FA) Appointment of Statutory Auditors for the year 2003-04 
Cir 39-2004 (RR) RR - Change in procedure for sending Requisition to Collectorate 
Cir 40-2009 (FA) Budget for the year 2004-2005 
Cir 41-2004 (PLG) Corporate Agency of Life Insurance Corporation - Business Promotion Plans 
Cir 43-2004 (FA) T.A., D.A. and Incidental rates payable to the employees of the Company 
Cir 44-2004 (PA) Review  of  staff  strength as on 31.03.2004 
Cir 45-2004 (GAD) Service contract for the maintenance of Manuel typewriters 
Cir 46-2004 (PA) Vishu - Festival Advance disbursement  
Cir 47-2004 (BD) Attainment of targets by the branches of the institution in all the important schemes 
Cir 48-2004 (PLG) Scheme for providing special Car Loan under CVL 
Cir 49-2004 (BD) Distribution of Gold Medals to the top scorers among the children of K.S.F.E. employees in the S.S.L.C. Examination 
Cir 50-2004 (D) VRS - Employees of FACT - Recovery of KSFE dues 
Cir 51-2004 (PLG) One day workshop on functioning of Life Insurance Corporate Agency 
Cir 52-2004 (BD) Accepting KSRTC employees as sureties  -  Relaxation ordered 
Cir 53-2004 (GAD) Change of address Telephone numbers of the branches – Intimated 
Cir 54-2004 (BD) Chitty Security Deposit -- Intimation of release notification in Gazette 
Cir 55-2004 (PLG) Value additions to Chitty - liability waiver up to a future liability of Rs.1,00,000 
Cir 56-2004 (PA) Enhancement of daily wages in respect of Part Time Employees – orders issued 
Cir 57-2004 (D) NPA NCL and NPA Other advances Statements as on 31-3-2004 
Cir 58-2004 (RR) Procedure for accounting chitty accounts transferred back to unit from RR 
Cir 60-2004 (PA) Sad and unfortunate demise of Sri. Raju Robert (4250) 
Cir 61-2004 (BD) Employees of Taj Malabar, Cochin  -  accepted as sureties 
Cir 62-2004 (PLG) Modification to the caption in the publicity matter pertaining to chitty liability waiver scheme 
Cir 63-2004 (PA) Updation of details of the physically handicapped or disabled employees 
Cir 64-2004 (PA) Compliance of Court direction – recovery of damages from the person organisation who call the Hartal 
Cir 65-2004 (PA) Deduction of IT at Source at the average of  Income Tax for 2004-2005 
Cir 66-2004 (GAD) Awareness on Financial Market – Free subscription of Financial Daily to all Officers 
Cir 67-2004 (D) VRS - Employees of Kerala State Industrial Products Trading Corporation Ltd 
Cir 68-2004 (BD) Award to S.S.L.C. topper among the children of K.S.F.E. Employees 
Cir 69-2004 (FA) Revised Budget for RCL for the year 2004-05 
Cir 71-2004 (PA) EPF – providing National Social Security Number (NSSN) 
Cir 72-2004 (D) VRS - Employees of Steel Complex Limited, Feroke, Kozhikode 
Cir 73-2004 (PA) Sad and unfortunate demise of Sri. G.Raveendran Nair (466) 
Cir 74-2004 (RR) Cheating the Company  -  Multiple liability created by Sri. A. Jayarajan, Sri. T.V. Babu, Sri. V.S Purushan and Sri. M.X. Xavier  
Cir 75-2004 (FA) Annual closing and audit of Accounts – 2003-04 
Cir 76-2004 (BD) Gold security acceptance at Branches  -  Including the details in the monthly report 
Cir 77-2004 (BD) Allowing RCL to Company employees who are on probation 
Cir 78-2004 (PA) Sad and unfortunate demise of Smt.V.Matha, PTS, Malapuram Branch 
Cir 79-2004 (PA) Relaxation in economy measures ordered by the Government 
Cir 80-2004 (BD) Award to S.S.L.C. topper among the children of K.S.F.E. Employees 
Cir 81-2004 (D) Multiple liability created by Sri. K. Babu, Field Officer, RP Check post, Thenmala 
Cir 83-2004 (D) Multiple liability in various branches of KSFE Ltd- List of persons 
Cir 85-2004 (RR) Cheating the Company  -  Multiple liability created by Smt. K.S. Remadevi 
Cir 86-2004 (FA) Tax deduction at Source (TDS) - Compliance of rules and procedures 
Cir 87-2004 (FA) Bonus for the year 2003-04 - furnishing details 
Cir 88-2004 (BD) Judicious measures for the expansion of the Car Loan Scheme 
Cir 89-2004 (FA) Levy of additional surcharge 2% - Education Cess - Change in TDS rates 
Cir 90-2004 (DA) Printing of Company Calendar and Diary for the year 2005 
Cir 91-2004 (FA) 3CD forms and format of Trial balance forwarding 
Cir 92-2004 (RR) Cheating the Company  -  Multiple liability created by Sri. M.G Pradeepkumar and Smt T.S. Shyla 
Cir 93-2004 (D) Payment of performance incentive, bonus for the year 2003-2004 
Cir 96-2004 (PA) Festival Advance in connection with Onam 2004 
Cir 99-2004 (D) VRS-Employees of Appollo Tyres, Kalamassery & Perambra  
Cir 101-2004 (PA) Retirement of Company employees 
Cir 103-2004 (RR) Cheating the Company  -  Multiple liability created by the following personnel 
Cir 114-2004 (PA) Onam - Festival Advance disbursement  
Cir 115-2004 (PA) Early disbursement of salary for  the  month  of  August 2004 - Orders issued 
Cir 120-2004 (PA) Payment of Bonus, Festival Allowance for the year 2003-2004 
Cir 121-2004 (PA) Payment of Performance Incentive for the year 2003-2004 
Cir 123-2004 (BD) Employees of Taj Malabar, Cochin accepted as sureties  -  Change in the authorised signatory 
Cir 124-2004 (PA) Payment in connection with Onam to the Ex-servicemen deployed on contract basis from Ex-Service organisations 
Cir 127-2004 (D) Issue of unauthorised Salary Certificates – Kerala State Film Development Corporation 
Cir 132-2004 (PA) Removal from the roll of the Company on completion of disciplinary action 
Cir 133-2004 (PA) Evasion of responsibility in complying with the instructions of Corporate Office 
Cir 138-2004 (D) Multiple liabilities created by employees of Collectorate, Kollam 
Cir 140-2004 (PA) Revision of Dearness Allowance - Orders issued 
Cir 141-2004 (D) Bogus surety certificates created by Mr. V.A. Joy 
Cir 143-2004 (PA) Appointment of Sri.K.P.Nooruddin, as the Chairman of KSFE Ltd 
Cir 144-2004 (PA) Appointment of Sri.K.B.Sudheer Babu as the Managing Director of KSFE Ltd 
Cir 146-2004 (PA) Review  of  staff  strength as on 30.09.2004  -  details  in  the prescribed proforma called for 
Cir 148-2004 (D) Multiple liabilities created by Sri. Biju Joseph in various branches of KSFE Ltd 
Cir 149-2004 (PA) Settlement reached in the bilateral discussion on 29.07.2004 
Cir 151-2004 (D) Half yearly chitty default statement and NPA statement of advance   schemes 
Cir 152-2004 (PA) Forwarding of transfer requests of employees – instructions 
Cir 153-2004 (PA) Transfers and postings of Company employees 
Cir 155-2004 (D) Default by Company employees 
Cir 156-2004 (BD) Regional Conference of Managers for the last quarter of  2004 
Cir 160-2004 (RR) Special offer to Non RR, RR defaulters - Extension of the present scheme for 2 more months w.e.f. 01.11.2004 
Cir 161-2004 (RR) Issue of RRC after retirement of  Sureties 
Cir 162-2004 (FA) R.B.I directions to Miscellaneous Non-Banking Companies 
Cir 163-2007 (D) Bogus surety submitted in branches of Kozhikode Region 
Cir 164-2004 (D) Dues of employees of Appolo tyres, Kalamassery and Perambra 
Cir 167-2004 (PA) Employees having additional qualification in Computer Science – willingness to work in the EDP Dept 
Cir 168-2004 (PA) Festival Advance in connection with Christmas 2004 
Cir 169-2004 (D) Chitty subscription analysis – correction 
Cir 172-2004 (PA) Sri.P.Sivanandan (27), Senior Manager (HG) – temporarily appointed to discharge the duties 
Cir 176-2004 (PA) Christmas - Festival Advance disbursement 
Cir 177-2004 (PA) Early disbursement of salary for  the  month  of  December 2004 
Cir 178-2004 (PA) Revision of Dearness Allowance - Orders issued 
Cir 181-2004 (BD) Availing of loans by producing bogus Salary Certificate and confirmation letter 
Cir 182-2004 (BD) Updating of Chitty Business Register in Electronic Mode 
Cir 183-2004 (BD) Enhancement of Gazette Notification fee for the release of Chitty Security Deposit 
Cir 186-2004 (PA) Appointment of Company Secretary  – information 
Cir 187-2004 (RR) Revenue Recovery – procedure  to be followed while submitting RR Requisition 
Cir 188-2004 (RR) RR requisition – omission & commission in Form 24 
Cir 190-2004 (D) Multiple liabilities created by D. Gopakumar and his family members 
Cir 193-2004 (FA) Estimated Profit & Loss AC for the current year 2004-2005 
Cir 197-2004 (PLG) Condition stipulating insistence of Customer Profile for Chitty Prize Money Payments
--- Circulars of 1997 ---
Cir 19-1997 MOP Correction - Property Accepting Procedure Streamlining