Storage as a Service (Saas) of cloud computing has become an alternative option for data owners of various organizations to store their data into the cloud. Usually sensitive data is encrypted to achieve data security and then it is outsourced into cloud. Many traditional search schemes allow data user to search over encrypted cloud data through keywords and retrieve the files of interest selectively. In this paper, we propose an efficient approach for keyword search over encrypted cloud data. The main contribution of this paper involves index generation method for keywords by using split factor. The keywords are stored in wildcard based technique within the index tree that is stored securely with low storage cost. Extensive experimental results on real-time data sets shows that the proposed solution is effective as well as efficient in Index generation and storage cost.