Want to explore Kerala now and pay for your trip later?
Kerala has introduced Travel Today, Pay Tomorrow (T2PT), a new tourism financing initiative from the Kerala Forest Development Corporation (KFDC) that could allow eligible travellers to book selected tourism experiences without paying the entire amount upfront.
Instead, eligible travellers can use financing from participating banks and repay the amount in instalments.
The initiative has been introduced alongside SHOLA Workation, Kerala’s new “work from nature” experience at destinations including Gavi and Suryanelli near Munnar.
Here’s everything you need to know about the new Travel Today, Pay Tomorrow scheme.
Update: Travel Today, Pay Tomorrow Is Now Showing on KFDC Bookings
We checked the KFDC online booking system and found the “Travel Today Pay Tomorrow” option appearing directly on the payment screen for a tent booking.
At checkout, KFDC displayed two payment choices — the regular payment option and Travel Today Pay Tomorrow.
This means the T2PT option has started appearing in KFDC’s live online booking flow, rather than being only an announced initiative.
Note: Availability may depend on the destination, package, accommodation, travel date and financing eligibility. Seeing the option at checkout does not necessarily mean financing will be approved.
Travel Today, Pay Tomorrow Kerala — Quick Overview
Scheme: Travel Today, Pay Tomorrow (T2PT)
Organisation: Kerala Forest Development Corporation (KFDC)
Type: Travel financing / instalment-based payment
Initial coverage: Selected KFDC tourism packages
Destinations in first phase: 7 destinations reported
Banking partner reported: Axis Bank
Discount: Minimum 10% reported on eligible bookings
Workation locations: Gavi & Suryanelli
SHOLA Workation duration: 3 Nights / 4 Days
Introductory Workation Price: ₹14,000 + applicable taxes per room for up to two guests
Expansion: More destinations and banking partners are expected to be added.
Important: Financing approval, interest rates, repayment terms, eligibility, discounts and package availability may vary. Always confirm the latest terms directly with KFDC and the participating bank before booking.
What is Travel Today, Pay Tomorrow?
Travel Today, Pay Tomorrow, also known as T2PT, is a tourism financing initiative introduced by the Kerala Forest Development Corporation.
The concept is simple:
Travel now → Pay the eligible trip cost in instalments later.
Instead of paying the complete cost of an eligible tourism package upfront, travellers may be able to finance the booking through a participating bank.
KFDC has also taken official steps towards implementing the programme, including inviting travel partners for the Travel Today, Pay Tomorrow scheme.
How Does Travel Today, Pay Tomorrow Work?
Here’s how the option currently appears in KFDC’s online booking process.
1. Choose an Eligible Tourism Package
Select a tourism package currently covered under the T2PT programme.
The first phase is reported to include seven destinations operated by KFDC.
2. Choose the Travel Today, Pay Tomorrow Option
Ask KFDC whether T2PT financing is available for your selected package and travel dates.
3. Apply for Financing
Eligible travellers can apply through a participating financial institution.
Axis Bank is currently reported as a banking partner, while additional banks may be added later.
4. Get the Applicable Discount
A minimum 10% booking discount has been reported for eligible bookings under the programme.
For example, the ₹14,000 SHOLA Workation package has been reported with a ₹1,400 discount under the financing arrangement.
5. Travel
Once your booking and financing are approved, you can take your trip as scheduled.
6. Repay in Instalments
The financed amount is then repaid according to the repayment schedule agreed with the participating bank.
Is Travel Today, Pay Tomorrow Interest-Free?
Reports indicate that KFDC intends to facilitate interest-free financing through participating banks.
However, this does not necessarily mean that every traveller, package or repayment tenure will automatically qualify for zero-interest financing.
Before accepting the financing option, check:
Interest rate
Processing charges
Total repayment amount
EMI amount
Repayment tenure
Late-payment charges
Cancellation conditions
Refund procedure
Loan eligibility requirements
Always compare the total amount payable — not just the monthly EMI.
Which Bank Offers the Kerala Travel EMI Scheme?
Axis Bank is currently reported as a banking partner for the Travel Today, Pay Tomorrow initiative.
KFDC is also reportedly discussing participation with other banks.
However, having an Axis Bank account does not necessarily mean automatic eligibility.
Financing approval may depend on the bank’s eligibility and verification requirements.
Which Destinations Are Included?
The first phase of Travel Today, Pay Tomorrow is reported to cover seven destinations operated by KFDC.
A complete consumer-facing list of all seven destinations along with package-specific financing conditions has not yet been clearly published on KFDC’s public pages.
Because the scheme is new, we recommend confirming whether your preferred destination and package are currently eligible before planning your trip.
SHOLA Workation: Work From the Forest in Kerala
Alongside Travel Today, Pay Tomorrow, KFDC has also introduced an interesting new tourism concept called SHOLA Workation.
SHOLA stands for:
Seek – Hike – Observe – Lodge – Absorb
The concept combines remote work with a stay surrounded by Kerala’s forests and mountains.
Instead of working from your house, office or café, you can potentially open your laptop from the middle of nature.
🌿 Planning a forest workation in Kerala?
We’ve put together a complete guide covering SHOLA Workation locations, facilities, internet connectivity, pricing and what to expect.
Gavi is one of Kerala’s best-known forest tourism destinations, surrounded by evergreen forests and wildlife-rich landscapes.
The new workation programme makes it possible to combine remote work with a forest stay and nature experiences.
Suryanelli, Idukki
Suryanelli is located in the high ranges near Munnar.
Surrounded by tea estates, mountains and the Western Ghats, it offers a completely different work environment from the typical office or city.
How Much Does SHOLA Workation Cost?
The introductory package has been reported at:
₹14,000 + Applicable Taxes
For a room accommodating up to two guests.
Duration: 4 Days / 3 Nights
For two people sharing, that works out to approximately:
₹7,000 Per Person + Taxes
Under the reported T2PT financing arrangement, the ₹14,000 package can receive a ₹1,400 discount, subject to the applicable terms.
What Does the SHOLA Workation Include?
The workation programme is designed to provide the basic infrastructure needed for remote work while staying close to nature.
Reported facilities and experiences include:
High-speed internet
Dedicated working spaces
Discussion spaces
Additional power outlets
Power backup
Outdoor working areas
Accommodation
Meals
Unlimited tea
Locally produced coffee
Guided nature experiences
Depending on the destination and package, guests may also be able to experience activities such as nature walks, boating, birdwatching and stargazing.
How Fast is the Internet?
This is probably the first question most remote workers will ask.
At Gavi, connectivity has reportedly been established through BSNL with speeds of up to approximately:
100 Mbps
At Suryanelli, reported connectivity reaches approximately:
500 Mbps
Power backup has also reportedly been arranged.
Actual internet speed can naturally vary depending on network and local conditions.
Who is SHOLA Workation Best For?
The concept could be particularly interesting for:
Remote employees
Software professionals
Freelancers
Designers
Writers
Content creators
Startup founders
Small teams
Digital nomads
Anyone wanting a few working days away from the city
Imagine finishing your meetings and stepping straight outside into the Western Ghats.
How Many People Can Stay?
SHOLA appears to be deliberately designed as a relatively small-scale nature experience.
Gavi
4 duplex rooms
Capacity: approximately 8 guests
Suryanelli
3 rooms
Capacity: approximately 6 guests
Because capacity is limited, popular dates could fill quickly.
How to Book Travel Today, Pay Tomorrow
How to Check and Book with Travel Today, Pay Tomorrow
Start by selecting your preferred stay or tourism experience through KFDC’s online booking system. Continue through the normal booking process until you reach the Select Payment Option screen. If your booking is eligible, “Travel Today Pay Tomorrow” may appear as a separate payment option alongside the regular payment method. Select the T2PT option to continue and check the applicable eligibility requirements, repayment terms, charges and other conditions. If the option does not appear for your selected booking, contact KFDC to confirm whether T2PT is currently available for that destination, package or date.
KFDC Reservation Contact Numbers
General Reservation
8289821004
8289821015
Gavi
9947492399
8289821306
8289821305
Suryanelli
8289821406
Munnar
8289821408
8547765334
You can also check the official KFDC Ecotourism website for current packages and booking information.
Questions to Ask Before Booking
Because this involves travel financing, don’t confirm the booking based only on the advertised EMI amount.
Ask these questions first:
Is my selected package eligible for T2PT?
Which bank is financing the booking?
Is the financing actually interest-free?
Is there a processing fee?
What documents are required?
What is the repayment tenure?
What will my monthly EMI be?
What is the total amount I will repay?
What happens if I cancel the trip?
What happens to the financing if KFDC cancels the trip?
Is the reported 10% discount applicable to my package?
Are taxes included in the financed amount?
Get these details confirmed before making your payment.
Should You Travel on EMI?
Just because you can finance a holiday doesn’t necessarily mean you should.
Travel Today, Pay Tomorrow could be useful when you already intend to make the trip, can comfortably handle the repayments and receive a genuine zero-interest facility or meaningful discount.
But if paying the instalments would put pressure on your monthly budget, saving first and travelling later may be the better choice.
Check the total cost, not just the EMI.
A ₹1,000 or ₹2,000 monthly payment can look attractive, but the important number is the total amount you will eventually repay.
Will the Scheme Expand to More Destinations?
Yes, expansion has been reported as part of the plan.
The initial phase focuses on selected KFDC destinations, but future phases could potentially include additional forest and ecotourism destinations.
There have also been reports about exploring package tours beyond Kerala, including other Indian destinations and potentially international packages.
These should currently be treated as future plans, not as destinations already available through T2PT.
Other New Kerala Forest Tourism Experiences
Travel Today, Pay Tomorrow and SHOLA are part of a broader push towards new nature-based tourism experiences in Kerala.
Another interesting project is a premium pod-stay initiative at Vagamon.
Four accommodation pods have been reported as under construction, with completion targeted for December 2026.
Together, these projects show a move towards smaller, experience-led tourism involving forests, remote work and nature stays.
Frequently Asked Questions
What is Travel Today, Pay Tomorrow in Kerala?
Travel Today, Pay Tomorrow (T2PT) is an initiative from Kerala Forest Development Corporation that aims to allow eligible travellers to finance selected tourism packages and repay the eligible amount through instalments.
Is Travel Today, Pay Tomorrow a Kerala Government Scheme?
The programme is being implemented by the Kerala Forest Development Corporation (KFDC), a Government of Kerala undertaking.
Which Bank Offers Travel Today, Pay Tomorrow?
Axis Bank is currently reported as a participating banking partner. Additional banks may join the programme later.
Is Travel Today, Pay Tomorrow Interest-Free?
KFDC is reported to be working towards interest-free financing arrangements. However, actual financing conditions can vary. Confirm the interest rate, fees and total repayment amount before accepting any financing.
Is There a Discount?
A minimum 10% booking discount has been reported for eligible bookings under the programme.
For the ₹14,000 SHOLA Workation example, a ₹1,400 discount has been reported under the financing arrangement.
How Many Destinations Are Included?
The first phase is reported to include seven KFDC-operated destinations.
Confirm the latest eligible destinations and packages directly with KFDC.
Is Gavi Included?
Gavi is one of the initial locations for KFDC’s new SHOLA Workation programme. Confirm T2PT availability for your selected Gavi package and dates before booking.
What is the Gavi Workation Price?
The introductory SHOLA Workation package has been reported at ₹14,000 + applicable taxes per room for up to two guests for 3 nights and 4 days.
Is Suryanelli Included?
Suryanelli near Munnar is one of the first two SHOLA Workation locations, alongside Gavi.
How Do I Apply for Travel Today, Pay Tomorrow?
Select your preferred KFDC booking and continue to the payment stage. If Travel Today Pay Tomorrow appears under the available payment options, select it and proceed to check the applicable financing and eligibility requirements.
Availability may vary by booking, so contact KFDC if the option isn’t displayed.
Planning Your Next Adventure in Kerala?
You don’t need to wait for a long vacation to get back into nature.
Kerala has everything from one-day treks and weekend hikes to multi-day forest adventures.
At KeralaTrekking, we regularly organise trekking experiences across Kerala for beginners as well as experienced hikers.
From your first trek to your next summit, we’ll see you on the trail. 🥾🌿
Last updated: 8 October 2026.
Disclaimer: KeralaTrekking is not the operator, lender or financing provider of the Travel Today, Pay Tomorrow programme. Information in this guide is based on publicly available information at the time of publication. Prices, eligibility, discounts, destinations, banking partners, financing terms and availability may change. Always verify the latest information directly with KFDC and the participating financial institution before booking.
Ashkar is more than just a trekker; he's a long-distance runner and fitness enthusiast with a heart for Kerala's wild places. Driven by a deep respect for nature, he believes in mindful exploration and sharing the joy of discovery. Through keralatrekking.in, he hopes to cultivate a community that supports each other and celebrates the breathtaking beauty of God's Own Country.
