• Loan Amounts up to LKR 5 Million

– Flexible financing for educational needs, home renovations, personal expenses, or debt consolidation.

• Exclusive to Teachers & Education Administrators

– Available for government, semi-government, and private school teachers.

• Affordable Teacher Loan Rates

– Competitive fixed and variable interest rates tailored for teachers.

• Extended Repayment Period

– Loan tenure up to 7 years, ensuring manageable monthly payments.

• Minimal Documentation & Fast Processing

– Simple and streamlined application process.

• Digital Banking Benefits

– Access to DFCC ONE and Online Banking, eStatements, and SMS alerts.

• Zero Hidden Fees

– Transparent terms with no unexpected charges.

• Eligibility:

  • Teachers employed in government, semi-government, or identified private/international schools.

  • Educational administrative service personnel (Grade I, II, III, or Special Grade executives/senior executives).

  • Minimum monthly gross income of LKR 50,000 (Basic + Fixed Allowances).

  • Confirmed permanent employment with at least 2 years of continuous service.

  • Age between 18 and retirement, and the ability to repay before retirement.

• Required Documents:

  • Completed loan application form.

  • Signed Terms & Conditions.

  • Certified copy of NIC, Passport, or Driving License.

  • Proof of employment (Appointment letter or employer certification).

  • Salary assignment letter issued by the employer (on company letterhead as per DFCC’s format).

  • Latest 3 months of certified salary slips.

  • Written confirmation from 3rd party financial institutions on settlement quantum (if applicable).

• How to Apply:

1. Complete the application form

2. Gather all required documents

3. Visit any DFCC Bank Branch

1. Who is eligible for the DFCC Teachers’ Loan?

   • Teachers employed in government, semi-government, and private international schools.

   • Education administrative service personnel (Grade I, II, III, or Special Grade executives).

2. What is the maximum loan amount I can apply for?

   • Up to LKR 5 million, depending on eligibility. Minimum is LKR 100,000/-

3. What is the maximum repayment period?

   • 7 years, but the loan must be fully repaid before the borrower’s retirement.

4. Can I apply for this loan online?

   • You cannot apply online, but you can make an inquiry.

5. What documents are required for loan approval?

   • Application form, NIC copy, salary slips, employer certification, and salary assignment letter.

6. Are early settlements allowed?

   • Yes, early settlements are allowed, subject to applicable prepayment terms.

• DFCC Personal Loan

• DFCC Mehewara Personal Loan

• DFCC Garusaru Pension Loan

• Personal Loan Calculator

• DFCC Branch Locator