• Flexible Loan Amounts

  – Borrow based on your income and repayment capacity.

• Extended Repayment

  – Up to 7 years (subject to full repayment before retirement).

• Minimal Documentation & Quick Processing

  – Hassle-free application and fast approvals.

• No Salary Assignment Required

  – Income from private practice and alternative revenue streams considered.

• Exclusive Digital Banking Benefits

  – Manage your loan conveniently through DFCC ONE and Online Banking, while staying updated with eStatements and SMS Alerts.

• Competitive Interest Rates

  – Special rates for qualified professionals.

• Multiple Professional Categories Covered

  – Open to a wide range of self-employed professionals.

• Eligibility:

  1. Professionals in self-employment or fixed employment.

  2. Age between 18 and retirement, with loan repayment achievable before retirement.

  3. Minimum monthly income of LKR 150,000 (including income from private practice).

• Required Documents:

  • Completed loan application form.

  • Signed Terms & Conditions.

  • Certified copy of National Identity Card, Driver’s License, or Passport.

  • Proof of professional qualifications (Membership ID, Degree certificate, or License).

  • Standing Order confirmation for repayment.

  • Latest 3 months’ original/certified salary slips (if applicable).

  • Bank statements for the past 3 months (if applicable).

  • Proof of alternate income sources (e.g., rental income, dividends, etc.).

• How to Apply:

  • Complete the application form

  • Gather all required documents

  • Visit any DFCC Bank Branch

  • Call us 24/7 on 011-2350000 and we’ll send a representative to you

• Accounting & Finance Professionals
  Chartered Institute of Management Accountants (CIMA)
  Certified Financial Analysis (CFA)
  Association of Chartered Certified Accountants (ACCA)
  Institute of Chartered Accountants of Sri Lanka (CA)
  Certified Business Accountants (CBA)

• Medical & Healthcare Professionals
  Sri Lanka Medical Council Members
  Sri Lanka Dental Association
  Ayurvedic Medical Practitioners
  Veterinary Council Members

• Engineering & Technical Professionals
  Institute of Engineers, Sri Lanka (IESL)
  Quantity Surveyors
  Chartered Architects

• Legal & Administrative Professionals
  Bar Association Members
  Government University Lecturers
  Sri Lanka Administrative Service

• IT, Marketing & Aviation Professionals
  Chartered Institute of Marketing (CIM)
  Airline Pilots & Air Traffic Controllers

(Other professions may also qualify – contact DFCC for details)

1. Who is eligible for the DFCC Personal Loan for Self-Employed Professionals?

   Any qualified professional in self-employment or fixed employment.

   Minimum monthly income: LKR 150,000 (Basic + Private Practice Income).

2. Do I need to assign my salary to DFCC to qualify?

   No, salary assignment is not required, but a Standing Order confirmation is necessary for repayment.

3. What is the repayment tenure?

   Up to 7 years, subject to full repayment before retirement.

4. Can alternative income sources be considered?

   Yes, rental income, business income, and dividends will be considered if supported by documents.

5. How quickly will the loan be approved?

   If all documents are in order, approval can take as little as 5-10 business days.

6. What professions qualify for this loan?

   A wide range of professional categories are eligible, including medical, engineering, accounting, legal, IT, aviation, and marketing professionals. If you don’t see your profession listed, please call us 24/7 on 011-2350000 and we will do our best to assist you, as this facility is available to a diverse range of self-employed professionals, who meet the minimum income requirements.

7. Can self-employed professionals apply without a business registration?

   Yes, but proof of private practice income is required.

8. Can I apply for the loan online?

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

• DFCC Personal Loan

• DFCC Green Loan

• DFCC One Loan

• Loan Calculator

• DFCC Branch Locator

• Self-Employed Loan Application Form