DFCC FemaleEntrepreneur

Current Account

The DFCC Aloka Current Account is designed exclusively for women, offering seamless transactions and access to DFCC Aloka’s women’s banking proposition benefits. Enjoy a secure current account with added privileges tailored to help you achieve financial independence as a woman.

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The DFCC Women-Led Business Current Account is designed to support and empower women entrepreneurs by providing specialised financial solutions, exclusive benefits, and strategic partnerships. As part of DFCC Aloka, this account ensures women-led businesses have access to tailored business banking services, preferential lending rates, and business development resources.

Eligibility

Any female in Sri Lanka above the age of 18 is eligible to get onboard with DFCC Aloka.

Who can apply

May it be a student, a Home Maker, an employee or a businesswoman/entrepreneur you can become a part of the Aloka community and enjoy a host of privileges and benefits.

Women-Led Business Account Key Features & Benefits

Exclusive Financial Benefits – Preferential lending rates on leases, term loans, project loans, and overdrafts.
Dedicated Business Support – Access to business advisory services, strategic partnerships, and networking events.
Discounted Banking Services – 50% off DFCC iConnect startup fees and special rates on bank guarantees.
Flexible Loan Schemes – Special SME and government-funded loans at competitive interest rates.
Convenient Payment Solutions – POS machines and payment gateways for fast and secure transactions.
Corporate Credit Cards – Manage business expenses with access to exclusive business credit card benefits.
24-Hour Aloka Hotline – Round-the-clock banking support in Sinhala, Tamil, and English.

Eligibility

Female sole proprietors with a registered business.
Businesses with over 50% ownership or shareholding by women.
Minimum initial deposit of LKR 10,000.

Comprehensive Business Banking Solutions for Women Entrepreneurs

Preferential Lending Rates

Product	Discounted Rate
Leasing	1% less than the standard rate
Pawning	0.5% less than the standard rate
Term Loans	0.5% less than the standard rate
Project Loans	0.5% less than the standard rate
DFCC iConnect Fee	50% off the standard startup fee
Bank Guarantee	0.5% less than the standard rate
Permanent Overdraft	16% Interest Rate
Revolving Short-Term Loans for SMEs	AWPLR – 3.5%

Exclusive SME Loan Schemes for Women Entrepreneurs

Credit Line	Enhancing Small and Medium – Sized Enterprises Finance Project (SMELOC 2) – Revolving	Stimulating package for Reenergizing the MSME sector	SMELoC 2
Eligible sectors	Financial and Employee Criteria: The borrower (Including the parent company and any subsidiaries) must have: • Annual Turnover less than 1 Billion and less than 200 employees Relationship Criteria: The borrower must not be a related party to the board or senior management of the Participating Financial Institution (PFI). Types of Loans: 1. Investment Loans 2. Non-Collateralised working capital Loans 3. Joint Loans (Combination of investment and Non-Collateralised working capital loans) Special conditions for Colombo District: SME's in the Colombo District are eligible if they are women led enterprises, first time borrowers or non-collateralised working capital loans	Manufacturing, Construction, Export-oriented, Tourism, Apparel, Fisheries, Animal Husbandry, Agriculture, Agro based culture and all women-led any SME with group turnover less than LKR 1 Bn	Agriculture, Tourism, Manufacturing, Technology, Export-oriented any MSME and women-led any SME with group turnover less than LKR 1 Bn
Interest rates	8% p.a. (Fixed)	7% p.a.	8% p.a.
Purpose of Loan	· Civil Works · Renovations · Purchase of Machinery and Equipment · Land Purchasing with Construction · Working Capital	Investments (purchase of machinery & equipment, furniture & introduction of technology) Construction & refurbishment	Working capital loans Working capital requirements to overcome the effects from financial crisis
Tenure	Investment Loans & Joint Loans Maximum 10 years including 02 years grace period Non-Collateralised Working capital (WC) Loans Maximum 2 years, no grace period	10 years	3 years
Loan amounts	• Rs. 50 Mn. • Single borrowers can obtain multiple loans from various banks, with a total loan cap of Rs.50 million For joint loans (Comprising investment and non-collateralised working capital loans): • The working Capital loan portion must be less than 50% of the total loan amount	Maximum LKR 15 Mn	Maximum LKR 10 Mn
Eligibility	Micro, Small and Medium Enterprises (MSMEs) should be registered or have applied for registration Permitted Sectors: All types of micro & SME projects are permitted except trading, leasing and renting	Registered SME or Individual (Excluding trading, renting, leasing)	8% p.a.Registered SME (Excluding trading, renting, leasing)
Loan institution	ADB funded	Government funded	ADB funded

For more details, contact Renuka – 0768 756 894.

Additional Banking Benefits

POS Machines & Payment Gateways – Fast and secure transactions with immediate settlements.
Corporate Credit Cards – Manage business-related expenses efficiently.
Strategic Business Development – DFCC Bank collaborates with women-focused organisations and industry leaders to support female entrepreneurs.

Non-Financial Support for Women Entrepreneurs

Networking Events & Forums – Connect with business leaders and industry experts.
Access to Special Funding – Priority access to funds and credit lines.
Workshops & Training Sessions – Enhance business skills and financial literacy.
24/7 Aloka Hotline – Dedicated round-the-clock banking assistance.

How to Apply

Ensure your business meets the required criteria for women-led enterprises.

To apply, visit your nearest DFCC branch or contact us 24/7 on 011-2350000.

Frequently Asked Questions (FAQs)

What is the DFCC Women-Led Business Current Account?
It is a specialised business banking solution under DFCC Aloka, designed to support women entrepreneurs with financial and business development resources.
Who is eligible to open this account?

Female sole proprietors with registered businesses.
Businesses with over 50% female ownership or shareholding.

What is the minimum deposit requirement?
A minimum deposit of LKR 10,000 is required.
What financial benefits does the account offer?

Discounted lending rates on leases, term loans, and project loans.
Lower fees on DFCC iConnect, bank guarantees, and overdrafts.
Exclusive SME loan schemes at competitive rates.

What loan schemes are available?

SMELoC – Additional Financing III
Stimulating Package for MSMEs
SMELoC 2

Each scheme offers low-interest financing to support business expansion, working capital, and investment in technology.

What payment solutions are available?

POS Machines and Payment Gateways for fast and secure transactions.
Corporate Credit Cards for managing business expenses efficiently.

What non-financial benefits are included?

Networking events & business forums.
Access to business training programmes.
Exclusive funding opportunities for women entrepreneurs.

Does DFCC Bank partner with women-focused organisations?
Yes, DFCC collaborates with female-focused associations to provide tailored support and funding opportunities for women entrepreneurs.
How can I learn more about DFCC Aloka?
Visit the DFCC Aloka page or contact the 24/7 Aloka Hotline for more information.
How do I apply?
Visit any DFCC Bank branch or call 0112 350000 to open an account.

Terms & Conditions

DFCC Women-Led Business Current Account Terms & Conditions (PDF)

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Eligibility

Any female in Sri Lanka above the age of 18 is eligible to get onboard with DFCC Aloka.

Who can apply

May it be a student, a Home Maker, an employee or a businesswoman/entrepreneur you can become a part of the Aloka community and enjoy a host of privileges and benefits.

Women-Led Business Account Key Features & Benefits

Exclusive Financial Benefits – Preferential lending rates on leases, term loans, project loans, and overdrafts.
Dedicated Business Support – Access to business advisory services, strategic partnerships, and networking events.
Discounted Banking Services – 50% off DFCC iConnect startup fees and special rates on bank guarantees.
Flexible Loan Schemes – Special SME and government-funded loans at competitive interest rates.
Convenient Payment Solutions – POS machines and payment gateways for fast and secure transactions.
Corporate Credit Cards – Manage business expenses with access to exclusive business credit card benefits.
24-Hour Aloka Hotline – Round-the-clock banking support in Sinhala, Tamil, and English.