DFCC Krushibala

Loan Scheme

This is specifically designed to empower micro, small, and medium-scale entrepreneurs, particularly in rural communities.

The DFCC Krushibala Loan Scheme

The DFCC Krushibala Loan Scheme is specifically designed to empower micro, small, and medium-scale entrepreneurs, particularly in rural communities. This loan initiative offers accessible financing solutions to support the launch and expansion of businesses across agriculture, industry, and related service sector. By promoting entrepreneurship and innovation, the scheme aims to foster inclusive economic development and strengthen rural economies in Sri Lanka.

DFCC Krushibala Loan Key Features & Benefits

1. Flexible Loan Amounts Up to LKR 25 million

2. Extended Repayment Terms

3. Customized Repayment Schedules

4. Concessionary Interest Rates

5. Support for Innovation - Promotes sustainable agriculture through the Climate Smart Agriculture initiative, encouraging environmentally responsible practices.

6. Comprehensive Business Support -Available for both new and existing MSMEs & SMEs in the agriculture sector, covering: Cultivation, Agricultural Processing, Warehousing & Other agriculture-related enterprises.

7. Capacity Building - Complemented by advisory services, training, or technical assistance to enhance business capabilities.

Eligibility Criteria

1. Minimum 2 years of operational history

2. Satisfactory credit history and demonstrated repayment capacity

3. Sound business plan with cash flow forecast

4. Environmental compliance and necessary permits

Eligible Segments

Cultivation, Agriculture processing, Warehousing, any other agriculture related businesses including Climate Smart Agriculture initiatives.

Krushibala Loans FAQs

1. For what purpose can this loan be obtained?

To fulfill the working capital and capital expenditure requirements of the MSMEs & SMEs

engaged in the agriculture sector.

2. What is the minimum requirement for a Krushibala loan?

Minimum 2 years of operational history.
Satisfactory credit history and demonstrated repayment capacity.
Sound business plan with cash flow forecast.
Environmental compliance and necessary permits. (if required)

3. What is the maximum loan that can be granted?

Up to Rs 25 Mn.

4. What is the maximum tenor for which a Krushibala loan can be obtained?

Term Loan (Based on the project)

5 Years Including maximum grace period of 6 months or
7 Years Including maximum grace period of 2 Years, - (For Replanting /New Planting)
Working Capital
5 Years Including maximum grace period of 6 months

5. What are the repayment options that are available?

Structured loan repayments matching the cash flows
Equal /equated /Bullet

6. How to obtain the loan?

You can visit the nearest DFCC Bank branch or for more information, you can contact the call center.

How to apply

Visit the nearest DFCC Bank branch or for more information, you can contact the call center.

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