• Loan Amount: Maximum Rs. 25 million per MSME

• Interest Rate: 5% per annum

• Tenor: Maximum 10 years, including 12 months grace period

• Equity Contribution by Borrower: 10%

• Must be a Sri Lankan citizen

• Age below 65 years

• Enterprises must be registered or provide evidence of accepted receipt from the respective registration authority

• MSMEs with a turnover of the previous financial year below Rs. 1,000 million and fewer than 200 employees

• An entity or person can obtain only one loan under this scheme

Eligible Sectors (All MSMEs except Trading, Leasing and Renting Businesses) Priority Sectors:

• Manufacturing

• Construction

• Export Oriented

• Tourism

• Apparel

• Fisheries

• Animal Husbandry

• Agriculture

• Agri-based Industries

• Women-led Enterprises

Eligible Economic Activities

• Purchase of assets such as machinery, equipment, or furniture for business expansion or productivity improvement (e.g., solar installations)

• Introduction of new or advanced technologies for business upgrading

• New construction, further construction, refurbishment, or expansion of factories, buildings, warehouses, and tourism sector-related locations

• Maximum up to 40% of the loan amount can be allowed for working capital purpose as joint loan

Note: Vehicle purchases are not allowed unless they are land vehicles for sub-borrowers in the hotels or tourism sectors.

Call 0112 350 055 or step into your nearest DFCC Bank branch for more details. 

1. Who can apply for this loan scheme?
Registered MSMEs and start-ups owned by Sri Lankan citizens that meet turnover and employee criteria.

2. What is the maximum loan amount available?
Up to Rs. 25 million per eligible MSME.

3. Can the loan be used for working capital?
Yes, up to 40% of the loan amount can be allocated for working capital as a joint loan.

4. Are vehicle purchases allowed?
Only land vehicles for hotel and tourism-sector businesses are permitted.

5. What is the repayment period?
Up to 10 years, including a 12-month grace period.