Hiflex Personal Loan

Personal Loan

A Personal Loan coupled with an overdraft facility for high net-worth fixed income earners.



  • A Minimum Gross Income of Rs.250,000.00 (Basic + Fixed Allowances + 90% of other income)
  • Employees in Senior Management cadre and above in Blue-chip companies and Employers approved by DFCC
  • 55 years of age or 60 years subject to Employer Confirmation

Overdraft Facility

Maximum – 90% of one month’s salary


The Hiflex Personal Loan could be obtained for a maximum period of 5 years on equated monthly Instalments (where your capital plus interest is a fixed sum)

In the event the applicant exceeds 55 years of age, employer confirmation with regard to age of retirement is required.

Click here to have a look at your installment calculation

How to Apply

Download the application form, complete and submit same to any DFCC branch or fill in the inquiry form given below and we will contact you.

You may also visit a branch of your choice to apply for the loan.

Documents to be Submitted

  • Duly completed Application Form
  • Accepted Terms & Conditions
  • A certified copy of one’s National Identity Card, Driving License or Passport.
  • Assignment over salary – Letter of undertaking from employer on DFCC prescribed format or confirmed Standing Order Click here
  • Letter of undertaking from applicant to route other income to DFCC.
  • Latest Salary Slip (Original/Certified) if variable allowances are to be considered 03 months original/certified to be submitted.
  • Current/Savings account statements for the past 03 months.
  • Additional sources of income such as rent and income from lease will be considered provided documentary evidence is submitted.

Digital Banking

Interest Rate

Tools & Support


Contact us

For assistance during office hours, please contact:

Dedicated Personal Loan specialist

Meshara Perera – 0777339663

Western Province

Diluk Himantha – 0772 309523

P. Ghengatharan – 0777 847585

Sabaragamuwa Province

Dhammika Nanayakkara – 0777 717746

Southern Province

Tachith Eshan – 0772 951424

Osanda Gunatillake – 0772 017657

Dhanesh Dissanayake – 0772 017664

Central Province

Rasika Rathnayake – 0773 620526

Budhhika Hewapathirana – 0773 050686

North Western Province

Suranga Senarathne – 0777 663199

Prasannajith Adikari – 0772 017683

Eastern Province

Kapila Dissanayake – 0774 156814

Tharaka Sampath – 0773 685414

Balasubramaniam Muralitharan – 0779 000871

Northern Province

Tudor Godwin – 0776 365807