‘Manusavi’

Loan Scheme

‘Manusavi’ is a loan scheme, offered in collaboration with the Central Bank of Sri Lanka (CBSL) and the Sri Lanka Bureau of Foreign Employment (SLBFE) which provides loans for Sri Lankan Migrant Workers.

A Foreign Employment Loan Scheme for Migrant Workers

The Manusavi Loan Scheme is a specialised financing solution designed to support Sri Lankan migrant workers in collaboration with the Central Bank of Sri Lanka (CBSL) and the Sri Lanka Bureau of Foreign Employment (SLBFE). This scheme provides financial assistance for essential needs such as business investments, housing, vehicle purchases, and education, ensuring that Sri Lankan workers abroad can achieve financial stability and long-term security for their families.

Manusavi Foreign Employment Loan Key Features & Benefits

Low Interest Rate – Competitive fixed rate of 8.00% p.a.
Flexible Loan Amount – Borrow up to LKR 2 million.
Convenient Repayment – Repay over a period of up to 3 years.
Multiple Loan Purposes – Use funds for business expansion, home construction or renovation, land or vehicle purchases, and children’s education.
Foreign Currency Remittance Requirement – Loan repayments must be made via inward foreign remittances to a Personal Foreign Currency Account (PFCA).
Power of Attorney (POA) for Convenience – Nominate an immediate family member to manage the loan while working abroad.

Eligibility Criteria

To qualify for the Manusavi Loan Scheme, applicants must:

Be a Sri Lankan citizen employed abroad and having a valid employed contract (not less than one year).
Be registered with the Sri Lanka Bureau of Foreign Employment (SLBFE).
Open a Personal Foreign Currency Account (PFCA) for remittance and loan repayment.
Nominate an immediate family member through a Power of Attorney (POA) to manage the loan in Sri Lanka.

Loan Terms & Conditions

Feature	Details
Maximum Loan Amount	LKR 2 Million
Repayment Period	Up to 3 years
Interest Rate	8.00% p.a.
Eligible Borrowers	Sri Lankans working abroad with a valid foreign employment contract & SLBFE registration
Loan Purposes	Business startup/expansion, home construction/renovation, land purchase, vehicle purchase, children’s education
Repayment Requirement	Monthly remittances to a Personal Foreign Currency Account (PFCA)

How to Apply

Ensure you meet the required criteria.

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

Frequently Asked Questions (FAQs)

1. Who is eligible to apply for the Manusavi Loan?
Sri Lankan citizens with a valid overseas employment contract (minimum one year) and SLBFE registration are eligible.

2. Can I apply for this loan jointly with a family member?
Yes, joint applications are permitted.

3. How do I repay my loan?
Loan repayments must be made through foreign currency inward remittances to a Personal Foreign Currency Account (PFCA).

4. What is the first step to apply?
Visit your nearest DFCC Bank branch or contact our 24-hour customer service hotline for guidance.

5. What happens if I stop working abroad before repaying the loan?
If the borrower discontinues overseas employment and stops remitting foreign currency to the PFCA, the bank will apply the market interest rate to the outstanding loan balance.

6. Where can I get more details?
You can visit your nearest DFCC Bank branch or call our 24-hour call centre on 0112 3500000 for assistance.

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Kapruka Ayojana Credit Scheme

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‘Manusavi’

Loan Scheme