Eligibility
Eligibility
- Government employees in Sri Lanka on permanent confirmed service.
- Minimum salary of Rs. 50,000.00 subject to assignment over salary.
- The date of retirement should be within 10 years at the time of application.
- Minimum Loan Amount – LKR 100,000
- Maximum Loan Amount – LKR 5,000,000
Repayment
Repayment
-
- Original Loan – Maximum loan tenure would be 10 years and the loan maturity should not exceed the date of retirement
- Rollover Loan – Up to 15 years subject to loan is repaid in full on or before reaching 75 years of age
Click here to have a look at your installment calculation (Hybrid Garusaru Loan Calculator)
How to Apply
How to Apply
Download the application form, complete and submit the same to any DFCC Bank 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
Documents to be Submitted
- Duly completed Loan application form
- Accepted Terms & Conditions
- A certified copy of the National Identity Card, Driver’s License or Passport
- Latest 3 months original/certified salary slips
- Salary assignment issued by the Employer
- Annexure 01 to be filled and submitted
Frequently Asked Questions (FAQs)
Frequently Asked Questions (FAQs)
01. What is the eligibility criteria to apply for the loan?
- Applicants must be permanent, confirmed government employees in Sri Lanka.
- Minimum monthly salary: Rs. 50,000, subject to assignment over salary.
- The applicant’s retirement date must be within 10 years from the loan application date.
02. What is the minimum and maximum loan amount I can apply for?
- Minimum Loan Amount: LKR 100,000
- Maximum Loan Amount: LKR 5,000,000
03. What are the repayment terms for the loan?
- Original Loan: Maximum tenure is 10 years, and the loan maturity should not exceed the applicant’s retirement date.
- Rollover Loan:Loan tenure can extend up to 15 years, provided it is fully repaid before the applicant reaches 75 years of age.
04. How can I apply for the loan?
- Online:Download the application form, complete it, and submit it at any DFCC Bank branch.
- Branch Visit:You can also visit any DFCC branch to submit your application or make inquiries.
- Alternatively, fill out the inquiry form online, and a DFCC representative will contact you.
05. What documents are required to apply for the loan?
- Duly completed loan application form.
- Accepted Terms & Conditions document.
- A certified copy of one of the following:
- National Identity Card
- Driver’s License
- Passport
- Latest 3 months of original or certified salary slips.
- Salary assignment letter issued by the employer.
- Annexure 01 (filled and submitted).
07. Can the loan be applied for online?
While the application must be submitted physically at a branch, you can fill out the inquiry form on the DFCC website, and a representative will contact you to assist with the next steps.
