RBI Reg No • B-16.00102 • A Kavitha Group Enterprise

Trust, Weighed in Gold & Financial Excellence

South India's Premier NBFC & Gold Finance Destination
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Branches Across Kerala

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Dedicated Employees

About Freemen Investments

Freemen Investments Pvt Ltd. is one of the most trusted NBFCs in Kerala, licensed by the Reserve Bank of India and proudly part of the Kavitha Group. Our history roots back to 1990, driven by a mission to make life easier for the common people of India.

We believe in unlocking the value of your assets by providing quick and affordable loans. Our approach is technology-driven, efficient, and financially sound, ensuring that our stakeholders' trust and confidence are not just met, but exceeded.

  • ✓ Trust, Integrity & Transparency
  • ✓ Highest Levels of Productivity
  • ✓ World-class Financial Services
Freemen Investments Office Interior
Freemen Investments Customer Service

Our Loan Products

Comprehensive financial solutions tailored to your personal and business needs.

  • Gold Loan
  • Vehicle Loan
  • Business Loan
  • Property Loan
  • MSML Loan
  • Joint Liability Group
  • Personal Loan
  • Consumer Loan

Explore a privacy-safe, indicative guide to the products that may suit you.

Premium Service

Unlock the Power of Your Gold

Experience hassle-free financing with Kerala's most trusted Gold Loan provider. Quick approvals, high loan-to-value, and complete security for your ornaments.

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0% Processing Fee

No hidden charges or unexpected deductions. Get exactly what you've been approved for.

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Interest Rates starting at 9% p.a.

Highly competitive and flexible interest rates tailored to your repayment capabilities.

Quick Loan Facts
  • Up to 75% Loan-to-Value on gold
  • Disbursal in under 30 minutes
  • Flexible tenure: 3 to 24 months
  • Minimum documents — just Aadhaar & PAN
Apply Now
Premium Gold Loan Service
Quick Facts
  • Available for Salaried, Self-Employed & Freelancers
  • Collateral-free unsecured borrowing
  • Fair interest based on repayment capacity
  • Minimal documentation required
Personal Finance

Personal Loan

Designed for salaried individuals, self-employed professionals, and freelancers — our personal loan solutions provide quick access to unsecured funds with minimal documentation and competitive interest terms.

Fast Approval

Quick processing ensures you get funds when you need them most, without long waiting periods.

Collateral-Free

No assets required as security. Borrow based on your income and repayment ability alone.

Fair Interest Assessment

Interest terms are calibrated to your individual repayment capacity, not just credit scores.

Apply for Personal Loan
Consumer Finance

Consumer Loan

Supporting lifestyle, household, and personal purchase needs — our consumer loans emphasize affordability, repayment flexibility, and quicker access for all customers, including those with limited credit history.

Home Improvement

Finance renovations, furnishings, and appliances to upgrade your living spaces affordably.

Lifestyle Upgrades

Achieve your aspirations with loans designed for modern personal and lifestyle needs.

Inclusive Lending

Designed to be accessible for customers including those with limited prior credit history.

Apply for Consumer Loan
Loan Highlights
  • Affordable interest rates
  • Flexible repayment options
  • Simple & quick access to funds
  • Customer-focused lending structure
  • Suitable for everyday financial needs
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Women Empowerment

Mahila Loan

Freemen Investments is proud to support women in achieving greater financial independence. Our Mahila Loan is designed for women entrepreneurs and individuals seeking accessible funding with a simpler, guided application process.

Quick Processing

Fast and efficient loan processing so women can access funds without delays.

Flexible Repayment

Repayment structures designed to fit the unique financial circumstances of each borrower.

Minimal Documentation

A simplified, paperwork-light process making borrowing straightforward and stress-free.

Personalized Guidance

Our team provides dedicated support and guidance tailored to each borrower's needs.

Apply for Mahila Loan
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Empowering Women

Supporting women's economic participation and enterprise growth across Kerala.

1000+ Women Empowered
Fast Approval Process

Investment Products

Secure, structured investment opportunities offered by Freemen Investments Pvt. Ltd.

Private Placement

Non-Convertible Debentures (NCDs)

Secure and manageable investment instruments offering structured returns. NCDs provide a reliable fixed-income option for investors seeking stable, predictable growth.

  • Secure & structured investment option
  • Predictable, fixed returns
  • Managed by a licensed RBI-regulated NBFC
  • Transparent terms and conditions
This NCD issue is made strictly on a private placement basis and is not an offer to the public at large. Acceptance is limited to persons to whom the offer has been specifically addressed.
Enquire About NCDs
Fixed Returns

Subordinated Debt

A specially structured debt instrument designed to deliver fixed monthly returns — an ideal choice especially for pensioners and retirees looking for a steady supplemental income.

  • Fixed monthly income payouts
  • Ideal for pensioners & retirees
  • Reliable supplemental income source
  • Offered by a trusted, RBI-licensed NBFC
Earn fixed monthly returns — a dependable income stream for your retirement years.
Enquire About Subordinated Debt

Important Notice: All investment products offered by Freemen Investments Pvt. Ltd. are on a private placement basis only, and are not public offerings. Investments are subject to market and credit risks. Please read all offer documents carefully before investing. Freemen Investments Pvt. Ltd. is an RBI-registered NBFC (Reg No. B-16.00102).

Freemen Policies & Documents

Committee Policy

Corporate committee operations and governance framework.

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Interest Rate Policy

Principles for interest rates, penal interest, and charges.

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Credit Policy

Guidelines for credit appraisal and loan sanctioning.

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Internal Audit Policy

Framework for internal auditing and compliance reviews.

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Customer Grievance Redressal Policy

Customer complaint handling and escalation mechanism.

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IT Policy

Standards for technology use, security, and digital infrastructure.

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Fair Practice Code

Customer transparency standards for lending and charges.

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KYC / AML Policy

Customer identification, risk management, and AML compliance.

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Fraud Monitoring & Reporting Policy

Procedures to detect, monitor, and report fraud.

View PDF

Risk Management Policy

Approach to identifying, assessing, and mitigating risks.

View PDF

Gold Loan Policy

Gold-loan valuation, lending, and servicing guidelines.

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Whistle Blower Policy

Confidential reporting framework for unethical practices.

View PDF
Regulatory references

Customer Information & Safety

RBI customer-protection references · 2026

Digital safety and fraud protection

Official RBI directory

We publish only the RBI references that help customers borrow and transact safely. Internal audit, compliance, supervisory, and financial-management directions are not displayed here.

Our 35 Branches Across Kerala

Serving communities across Kerala — we are always near you.

East Zone

East Kadungallur Kalamassery Kottuvally Manakkapadi Mannam Varapuzha Kuzhupilly

North Zone

Aloor Ashtamichira Kaladi Kodungallur Koratty Kunnukara Kurumassery Manjapra Munambam Kavala Sringapuram Azhicode Irinjalakuda Sreenarayanapuram

South Zone

Bund Road Junction Kanichukulangara Kuthiyathode Muttuchira Palluruthy Poochakkal Sreenarayanapuram Thiruvankulam Vaikom

West Zone

Head Office North Paravur Cherai Munambam Perumpadanna Edavanakkad Nayarambalam Valappu

Get in Touch

Have an enquiry? Our team is ready to assist you bridging the gap to your financial goals.

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Head Office

Kavitha Building 5/822 G, Library Road
Municipal Junction, North Paravur (PO)
Ernakulam, Kerala 683513

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Phone

+91 75919 05656

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Email

admin@kavithagroup.in
headoffice@kavithagroup.in

Send an Enquiry

Please do not include Aadhaar, PAN, bank-account, card, or password details in this form.

What Our Clients Say

Trusted by over 1 Lakh+ customers across Kerala.

⭐⭐⭐⭐⭐

“I had a good experience. The staff explained everything clearly.”

Anjali Rajesh

North Paravur
⭐⭐⭐⭐⭐

“The vehicle loan process was very simple. Staff oro stepum clear aayi explain cheythu thannu, Very good service.”

Abhijith M V

Valappu
⭐⭐⭐⭐⭐

“Quick response and good service. I am happy with the experience.”

Soumya K S

Kuthiathode