SMEGuideBook English

A guide towards a better business …………

How to use the “SME Guide Book”

This SME Guide Book dedicate to SME managers and self employmentin Sri Lanka. It was developed to introduce important information relatedto Small & Medium Enterprise Development in Sri Lanka and it willguide you to fulfill your business requirements from right place at righttime.

After the clarification of your business matter, the use of contents andcontents by Institutional setup, you can find the information relevant tothe business matter of you. If you want to get more information pleasebe reach it by contact details. The document is written so, thatentrepreneur need not read page to page, but can pick and choosewhich sections are relevant to their requirements.

Edited by: NEDANational Enterprise Development AuthorityLevel 2, West Wing, Cylinco Building,No-69, Janadhipathi Mawatha,Colombo 01.Tele/Fax: 11 2439843, 11 2437400Web: www.neda.lk

ISBN978-955-0883-00-4

Acknowledgements

Thanks to all respective stakeholders involve in Smalland Medium Enterprise Development including Ministryof Industry & Commerce for their collaboration andassistance to develop a guide book to benefit SMEsector in Sri Lanka.

Thanks to Chairman/DG Mr. M.S.S. Ameeer Ali Directorand the staff of NEDA for their guidance and assistance.Special thanks for AJ Prints (Pvt) Ltd for the printingof this guide book at a very limited time.

Editorial Team

Mr. Lakshman Thrimawithana (AD – Policy, NEDA)Mr. Pradeep Dissanayake (EPO. NEDA)Mr. M.F.M. Fazeel (Network Assistant officer) (NEDA)Ms. Mangala Girihagama (MA, NEDA)

December 2011National Enterprise Development Authority (NEDA)

Message from Hon. Rishad Bathiudeen M.P.Ministry of Industry & Commerce

National Enterprise Development Authority (NEDA) comes under thepurview of the Ministry of Industry & Commerce and is one of the primestate institutions that render valuable services and guidance to the smalland medium scale entrepreneurs.

The majority of the enterprises in Sri Lanka are small and medium scaleenterprises and their contribution to the development of national economyis significant. Our aim is to encourage and render assistance to thesmall and medium scale entrepreneurs.

I am glad to note that NEDA has taken steps to publish the small andmedium entrepreneurs Guide Book 2011 in all three languages, Sinhala,Tamil & English. The 2009 edition was published only in Sinhala andEnglish. I hope that the Tamil Edition will be of great use for small andmedium entrepreneurs and agriculturists in the Northern and EasternProvinces.

It is with great pleasure that I send this message.

Hon. Rishad Bathiudeen M.P.Minister of Industry & Commerce

In the objective of our government to make Sri Lanka the economic hubof Asia, the Small and Medium scale entrepreneurs who already make thelargest contribution to the National Economy turn out to be its leadingshareholders. Those who are planning to be entrepreneurs in future aswell as those who have already become small and medium scaleentrepreneurs anticipate facilities to realize their entrepreneurial objectives.Equally, the institutions that provide services to small and medium scaleentrepreneurs make various endeavours to enlighten them of theirinstitutions and the services those institutions provide to the small andmedium scale entrepreneurs. Most often, in these endeavours, neitherthe correct target group meets the institution that supplies the service northe expectants of such services meet the appropriate service and suchservice provider.

As an institution operating for development of enterprises hand in handwith international entrepreneurs, service providers and individuals fromgrass root level, National Enterprise Development Authority establishedunder the Ministry of Industry and Commerce launches this Small andMedium scale Enterprise Instructions Manual by including information ofthe institutions supplying financial and technical services to small andmedium scale entrepreneurs and this can be introduced as a bridge thatlinks small and medium scale entrepreneurs and their service providers.

It is with the heartiest pleasure that I convey my compliments to thisGuidelines Manual as the Deputy Minister of the Ministry of Industry andCommerce as well as a Sri Lankan who wishes for development ofenterprises in Sri Lanka.

Message from Hon. Jayaratne Herath M.P.Deputy Ministry of Industry & Commerce

Hon. Jayaratne Herath M.P.Deputy Ministry of Industry & Commerce

Message from the Chairman/Director General of NationalEnterprise Development Authority (NEDA)

I am pleased to issue this message on the trilingual publication of Small& Medium Enterprise Guidebook (SME Guidebook) for the year 2011 asthe second issue. This guidebook has become as operation manual forSMEs to sources of information in Financing, Technical assistance,Commercial bank extended loan Schemes and other relevant attributes.

This theme is most appropriate today, especially in the wake of SriLanka’s extensive and rapid development plans and programs that arecurrently under way to boost our national economy.

This trilingual publication is very useful for entrepreneurs and also Northand East provinces to restart their enterprises and commence newbusinesses.

I take this opportunity to thank the Hon. Minister, Board of Directors, allthe institutions and individuals who supported to publish this guidebook.

M.S.S. Ameer AliChairman/Director General

Contents by institutional setupPart 1 Financial Institutions

1. DFCC Bank ............................................................ 011 SAUBAGYA – Prosperity Loan Scheme

2 Renewable Energy for Rural Economic Development (RERED)

3. EIB Global II

4. DASUNA Revolving Fund

5. KFW (V) Loan Scheme - for North & East

6. Awakening North - Resumption of Economic activities in theNorthern Province

7. Awakening East - Resumption of Economic activities in theEastern Province

8. Abhivurdhi – Agro Livestock Development Project (ALDL)

9. Sarusara – New Comprehensive Rural Credit Scheme (NCRCS)

10. Perennial Crop Development Project II Revolving Fund (PCDPII RF)

11. Tea Development Project Revolving Fund (TDP RF)

2. NDB Bank ............................................................... 121. DASUNA Revolving Loan Scheme – for Southern Province

2. SMILE II Revolving (JBIC) Loan Scheme

3. SMERDP Loan Scheme

4. E – Friends

5. TMFP – Tea Manufactures Financing Programme

6. Supplier Financing, Dealer Financing & Exporter Financing

7. KFW Credit line for SMEs in North & East

3. Bank of Ceylon ..................................................... 191. “Nawasapiri” Rural Loan Scheme

2. Loan Scheme for Farmers who purchases Paddy

3. Agricultural & Livestock Loan Scheme

4. Small Scale Project for Poverty Alleviation and Revolving FundLoan Scheme

5. Provincial Development Loan Scheme

6. Kapruka Investment Loan Scheme

7. Dasuna Loan Scheme

8. Diyawara Saviya Loan Scheme

9. Negenahira Navodaya

10. Wiskam Loan Scheme

11. Small Plantation Entrepreneurs Development Credit Scheme

12. Regaining North (Uthuru Wasanthaya) Loan Scheme

13. Bhagya Community Development Loan Scheme

14. Self Employment Promtion Loan Scheme

15. Saubhagya Self Employment Promotion Loan Scheme

16. Diyawara Diriya Loan Scheme

4. Lankaputhra Development Bank......................... 351. Mahaweli Loan Credit Scheme

2. Anthurium Loan Scheme

3. LAKAM Loan Scheme

4. KAPRUKA Loan Scheme

5. Footwear Loan Scheme

5. People’s Bank ....................................................... 401. KAPRUKA Loan Scheme


3. VIDATHA Credit Scheme

4. VANITHA NAVODYA Credit Scheme

5. GOVI SAHANAYA Forward Sales Contract Scheme for Sale ofAgricultural Produce (Under NCRCS)

6. VEE BISSA Loan Scheme

7. Farm Machinery Purchase Loan Scheme

8. Paddy Pledge Loans

9. New People’s Fast Loan Scheme

10. ATAMARU Loan Scheme

11. DASUNA Loan Scheme

12. Medium Scale Industry and Business Development Special LoanScheme - Kilinochchi and Mulativu

13. Pledge Loan scheme for small Scale Paddy farmers.

14. Awakening North Loan Scheme

15. Awakening East Loan Scheme

16. Self Employment Promotion Initiative Loan Scheme (SEPI)

17. Poverty Alleviation Micro Finance Project – II loan Scheme.

18. Small Holder Plantation Entrepreneurship Development Loan Scheme.

19. Prosperity Loan Scheme

20. Post Tsunami Coastal Rehabilitation and Resource Management

Programme (PTCRRMP) Loan Scheme.

21. Renewable Energy for Rural Economic Development (RERED) ProjectLoan Scheme.

22. Credit Line for Development of Commercialized Agribusiness (VISKAM)

23. Agro Livestock Development Loan Scheme

24. Loan Scheme for cultivation activities in Home

25. Tea Development Project Revolving Fund Loan Scheme

26. New Comprehensive Rural credit Scheme.

27. Second Perennial Crop Development Project Loan Scheme

28. Bagya Community Development Loan Scheme

6. RDB – Regional Development Bank ................ 681. Agricultural Crops & Liquid milk production Improvement Loan Scheme

2. KAPRUKA Investment Loan - Coconut Development Loan Scheme

3. Agriculture and Agricultural machinery, Animal husbandry, Fisheries,Industrial & Commercial Business Loan Schemes

4. ISURU Loan Scheme

5. PAMP – SME Revolving Fund Loan Scheme

6. NDTF Loan Scheme

7. RUEDA Loan Scheme


9. SPDA Loan Scheme - Southern Province Development Authority

10. ‘Uva Entrepreneurship’ Loan Scheme

11. Dry Zone Loan Scheme

12. Small Estate Owners Loan Scheme

13. NAGENAHIRA NAVODAYA Loan Scheme

14. “Dorin Dora” Loan Scheme

15. Forward Sales Contract (FSC) Loan

16. SECONDARY PERENNIAL CROP (SPCDP) Loan Scheme

17. North Western Province Dairy Development Project

18. North Eastern Province Self Employment Loan Scheme

19. Fruit Crop Development Loan scheme

20. Anthurium Cultivation Development Loan Scheme

21. Mushroom Cultivation Loan Scheme

22. Cashew Processing Loan Scheme

23. “ Mahaweli Saviy “ Loan Scheme

24. Small & Medium Enterprise Development Loan Scheme

25. ODAPANA Loan Scheme

26. WARI PUBUDUWA Loan Scheme

27. SAUBAGYA Loan Scheme

7. SANASA Development Bank ................................ 951. AWAKENING NORTH LOAN SCHEME –

(UTHURUWASANTHAYA LOAN)

2. SAUBAGYA LOAN SCHEME

3. CORDAID LOAN SCHEME (MANNAR DISTRICT ONLY)

4. TEA LOAN SCHEME

5. ABIWURDHI LOAN SCHEME (ALDL)

6. JAWAYA LOAN SCHEME (FOR FOREIGN EMPLOYEE)

7. LOAN POOL LOAN SCHEME

8. Sampath Bank .................................................. 1021. Agro Livestock Loan Scheme (ALDL)

2. Eastern Province

3. E Friends (Rev) Fund

4. Northen Province (Pibidena Uthura)

5. PAMP II Credit Scheme for Microfinancing

6. Prosperty (Saubagya) Loan Scheme

7. SMEDeF

8. SPEnDP

9. Smile II (Revolving) Fund

10. Kfw – DFCC V

9. Hatton National Bank PLC ............................... 1121. Gami Pubuduwa Microfinance Loan Scheme

2. NCRCS - New Comprehensive Rural Credit Scheme

3. Second Perennial Crop Development Project Credit Scheme (SPCDP)

4. KAPRUKA AYOJANA - Coconut Development Credit Scheme

5. Development Loans under Rural Credit

6. Agro-Livestock Development Loan Scheme (ALDL)

7. REACT NORTH - Resumption of Economic activities in the Northern

Province

8. REACT EAST - Resumption of Economic activities in the Eastern

Province

9. Poverty Alleviation Micro Finance Project -II (PAMP II)


10. Commercial Bank ............................................. 1221. DIRIBALA - Medium Term Development Loan Product

2. BFMCS – Bank Funded Micro Finance Loan Scheme

3. BFACS – Bank Funded Agricultural Credit Scheme

4. Kapruka Ayojana

11. Central Bank – Refinanced Schemes ................ 1261. SAUBAGYA – Prosperity Loan Scheme

2. Self Employment Promotion Initiative Loan Scheme

3. SPEnDP – Small Holder Plantations Entrepreneurship Development

Programme

4. Dry Zone Livelihood Support and Partnership Programme Bhagya

Community Credit Programme

5. Krushi Navodaya Credit Scheme

6. PAMP II Loan Scheme

7. PAMP Revolving Fund Loan Scheme


9. ALDL - Agro Livestock Development Project

10. Post – Tsunami Coastal Rehabilitation and Resource Management

Programme (PTCRRMP)

11. Awakening North - Northern Province Credit Line

12. Credit Scheme for Resumption of Economic Activities in the EasternProvince

12. FCCISL-SMED - Small & Medium Enterprise

Division ............................................................................ 139

13. CNCI - The Ceylon National Chamber of

Industries ......................................................................... 140

14. NCCSL - The National Chamber of

Commerce of Sri Lanka .................................................... 141

15. CCC - The Ceylon Chamber of Commerce ........................ 142

16. NIBM - National Institute of Business

Management – Sri Lanka ..................................................... 143

17. NAITA - National Apprentice and Industrial

Training Authority ................................................................. 144

18. SEDD - Small Enterprise Development Division - ..................... 145

19. CEFE Net Sri Lanka ............................................................... 146

20. IDB – Industrial Development Services –.................................. 147

21. ITI - Industrial Technology Institute ........................................ 148

22. NERDC – National Engineering Research & Development

Centre ............................................................................... 149

23. Vidatha Programme – Ministry of Technology &

Research ............................................................................... 150

24. Ministry of Fisheries & Aquatic Resources ............................ 151

25. Ministry of Environment ................................................... 152

26. Ministry of Agriculture ............................................................. 153

27. SLEDB – Sri Lanka Export Development Board ........................... 154

28. SLECIC – Sri Lanka Export Credit Insurance

Corporation ............................................................................. 155

29. BOI – Board of Investments -Sri Lanka ...................................... 156

30. SLSI– Sri Lanka Standards Institution ......................................... 157

31. Inventors Commission ............................................................... 158

32. Ministry of Industry & Commerce ............................................... 159

33. NEDA – National Enterprise Development

Authority .................................................................................. 160

34. Department of Census & Statistics ............................................. 161

35. Divisional Secretariat Office ....................................................... 162

Section 1Financial Institutions

NEDA go to index http://www.neda.lk/smefgb NEDA go to index http://www.neda.lk/smefgb

1. DFCC Bank

1. SAUBAGYA – Prosperity Loan Scheme

Purpose To startup, expand any Micro Small &Medium Enterprises (MSME)

Target Group For startup & expansion of MSMEs

Loan Amount Rs 25 Million

Rate of Interest 9% p.a.

Payment Period 5 years including maximum grace period of 6 months

Securities Based on the risk profile of the project

Others Area of operation – All Island

Piumie Liyanage

Relationship Manager

73/5, Galle Road, Colombo 03.

011 244 2442 (General)

011 244 2309 (Direct)

011 534 0936

@ [email protected]

www.dfccbank.com

DFCC Bank2. Renewable Energy for Rural EconomicDevelopment (RERED)

Purpose To finance the grid connected & off grid renewable energyprojects.

Target Group Hydro, solar, wind, biomass & energy efficiency project

Loan Amount Maximum USD 10 Million

Rate of AWDR + marginInterest

Payment Maximum 10 years including maximum grace period of 2Period years



Vidarsha Dharmasena


73/5, Galle road, Colombo 03

011 244 2442 (General)

011 244 2260 (Direct)

011 244 0376

@ [email protected]

www.dfccbank.com

1 2


DFCC Bank

3. EIB Global II

Purpose Import machinery & equipment or transfer of technology fromEuropean Union.

Target Group Entrepreneurs engage in manufacturing and otherindustriesTransferring of technology from European Union orjoint ventures with European Union countries

Loan Amount Maximum EUR 12.5 MnMinimum EUR 100,000

Rate of AWDR + marginInterest

Payment Depend on the projectPeriod



Gayathri Sivayoganathan

Project Executive


011 244 2442 (General)

011 244 2326 (Direct)

011 247 2022

@ [email protected]

www.dfccbank.com

4 DASUNA Revolving FundTo finance Small & Medium projects in SouthernProvince (Start-up, expansion or modernization activities)

Purpose Promote the development of Southern Province byproviding term loans.

Target Group Agriculture manufacturing industries & selected services sector


Rate of 10.5% p.a.Interest

Payment Maximum 7 years including maximum grace of 2 yearsPeriod Minimum 3 years


Others Area of operation - Southern Province only

Piumie Liyanage


73/5, Galle Road, Colombo 03

011 244 2442 (General)

011 244 2309 (Direct)

011 534 0936

@ [email protected]

www.dfccbank.com

3 4


DFCC Bank

5. KFW (V) Loan Scheme - for North & East

Purpose To develop SMEs in North & East provinces

Target Group Manufacturing, Agriculture, Livestock, Fisheries,Trading Tourism & Services

Loan Amount Maximum - No upper limit Minimum - Rs 100,000/-

Rate of AWDR + 5% to 7% p.a. (fixed for the loan at the time ofInterest bank approval)

Payment Maximum 5 years including maximum grace period of 1 yearPeriod Minimum 2 years


Others For North & East provinces, both Loans & Leases are eligible

Piumie Liyanage



011-2442442 (General)

011-2442309 (Direct)

011-5340936

@ [email protected]

www.dfccbank.com

DFCC Bank

6. Awakening North - Resumption ofEconomic activities in the Northern Province

Purpose To develop the Northern Provinces

Target Group Agriculture, Livestock, Fisheries, Small & Medium ScaleEnterprises, Tourism, Trade

Loan Amount Rs 200,000/-

Rate of Interest 9 % p.a.



Others Area of operation – Northern Province only

Piumie Liyanage



011-2442442 (General)

011-2442309 (Direct)

011-5340936

@ [email protected]

www.dfccbank.com

5 6


DFCC Bank

7. Awakening East - Resumption of Economic activitiesin the Eastern Province

Purpose To develop the Eastern Provinces

Target Group Agriculture, Livestock, Fisheries, Small & MediumScale Enterprises, Tourism, Trade





Others Area of operation – Eastern Province only

Piumie Liyanage



011-2442442 (General)

011-2442309 (Direct)

011-5340936

@ [email protected]

www.dfccbank.com

Piumie Liyanage



011-2442442 (General)

011-2442309 (Direct)

011-5340936

@ [email protected]

www.dfccbank.com

DFCC Bank

8. Abhivurdhi – Agro Livestock Development Project(ALDL)

Purpose To develop Dairy, Poultry & Agriculture cropprocessing sectors

Target Group Dairy farmers, milk and agriculture crop processingindustries, poultry sector, cold storage and ice manufacturingplants.

Loan Amount Small dairy projects - Rs 400,000/-Processing Industries –Rs 300 Million Cold storage & ice plants – Rs 10 Million

Rate of Interest Small dairy projects – 8% p.a.Processing Industries & others– 12 % p.a.

Payment Period 5 years including the grace period



7 8


DFCC Bank

9. Sarusara – New Comprehensive RuralCredit Scheme (NCRCS)

Purpose Cultivation (Paddy, Chilies, Red/B onions, Pulses,Potatoes, Soya bean, Vegetables or any other short termcrops,Production of planting material including seeds.

Target Group Farmers and seed producers

Loan Amount Cultivation - Depending on the cropsSeed production –Maximum Rs5 Million


Payment Period Normally within 180 days or 01 month after harvestwhichever is earlier.



Piumie Liyanage



011-2442442 (General)

011-2442309 (Direct)

011-5340936

@ [email protected]

www.dfccbank.com

Piumie Liyanage



011-2442442 (General)

011-2442309 (Direct)

011-5340936

@ [email protected]

www.dfccbank.com

DFCC Bank

10. Perennial Crop Development Project II RevolvingFund (PCDP II RF)

Purpose To develop Perennial crop sector in the country

Target Group Field development & cultivation of perennial crops,Inter cropping, nursery operations and agro processing

Loan Amount Rs 1 million


Payment Period 10 years including maximum grace period of 5 years



9 10


DFCC Bank

11. Tea Development Project Revolving Fund (TDP RF)

Purpose To develop the Tea sector in the country

Target Group i. Tea replanting, infilling & nursery development ii. Transportation of green leaves

Loan Amount i. Replanting – Rs 1.5 Million

ii. Transportation – Rs1.5 Million


Payment Period i. Replanting- 13 years including maximum graceperiod of 5 years

ii. Transportation – 5 years and no grace period



Piumie Liyanage



011-2442442 (General)

011-2442309 (Direct)

011-5340936

@ [email protected]

www.dfccbank.com

2. NDB Bank1. DASUNA Revolving Loan Scheme – forSouthern ProvinceTo finance Small & Medium Projects (Start-up, expansion or modernizationactivities)Donor Agency – Asian Development Bank (ADB)

Purpose Increasing Productivity, level of operation, quality & pricecompetitiveness of a product.

Target Group SME’s engaged in agriculture, farm machinery, irrigation,commercial crops, agro industries, food processing, fisheries,forestry, animal husbandry, construction, transport,manufacturing, metal products, services, packing material,Value Added Agricultural products, Marketing activities.

Loan Amount Up to Rs 1 Mn

Rate of Interest 10.5%

Payment period 7 yrs including the grace period(Depend on the project)

Securities Project assets / Any other securities acceptable to the bank.

Project Fixed Maximum fixed assets after the loan should not exceed Rs 3Assets million (Excluding land & Building)

Others Project should be located in the Southern Province (Galle,Matara & Hambantota Districts)

Kapila Deshapriya

Senior Manager – Business Development

SME unit, NDB Bank, No.40, Nawam Mw, Colombo - 02

011 244 8448

011 234 1048

@ [email protected]

www.ndbbank.com

11 12


NDB Bank

2. SMILE II Revolving (JBIC)

Loan Scheme

To finance Small & Medium Projects(Start-up, expansion or modernization activities)Donor Agency – Japan Bank for international Corporation (JBIC)

Purpose Increasing Productivity level of operation, quality & pricecompetitiveness of a product.

Target Group Food Processing, Beverage / Textiles / Garments / Metal Products/ Construction materials / Rubber Products / Wood & Woodproducts/ Leather & Allied products / Plastic Products / Printing &paper Products / Chemical & Chemical products / Agro Industries/ Fisheries / Animal Husbandry / Horticulture / Aquarium /Construction Services/ Miscellaneous

Loan Amount Rs 10 Mn

Rate of Interest AWDR+ 5% p.a.

Payment period 5 yrs including grace period(Depend on the project)

Securities Project assets / Any other securities acceptable to the bank

Project Fixed Maximum fixed assets after the loan should not exceed Rs 3 millionAssets (Excluding land & Building)

Others Credit line doesn’t accommodate property purposes

Kapila Deshapriya



011 244 8448

011 234 1048

@ [email protected]

www.ndbbank.com

Kapila Deshapriya



011 244 8448

011 234 1048

@ [email protected]

www.ndbbank.com

NDB Bank

3. SMERDP Loan Scheme

To finance Small & Medium Projects(Start-up, expansion or modernization activities)Donor Agency – Japan Bank for international Corporation (JBIC)

Purpose Development of Small & Medium enterprise outside thewestern province to reduce regional inequalities & providingmedium to long term credit facility for start up new SMEs orexpansion or modernization.

Target Group SME’s engaged in fisheries, animal husbandry, horticulture,aquarium, food processing, agro industries, spices, leather& allied products, services, construction Material


Rate of Interest Market Rate

Payment period 5 – 7 yrs

Securities Project assets/ Any other securities acceptable to the bank.

Project Fixed Maximum fixed assets should not exceed Rs 100mn

Assets

Minimum Should bring minimum of 25% of the proposed projectQuality

Others Should be located out side the Western province.

13 14


NDB Bank

4. E – Friends

To finance Small & Medium Projects(Start-up, expansion or modernization activities)Donor Agency – Overseas Economic Corporation Fund (OECF)

Purpose Providing low cost loans to assist industrial enterprises infinding solutions to the environmental problems.

Target Group Industrial Enterprises. (Including SME sector)


Rate of Interest 8.5 %

Payment period 3 1/2 years

Securities Project assets/ Any other securities acceptable to the bank.

Project Fixed Maximum fixed assets should not exceed Rs 100mn.Assets

Minimum Quality Should being minimum of 25% of the proposed project.

Eligible ?? to be updated ??investments

Kapila Deshapriya



011 244 8448

011 234 1048

@ [email protected]

www.ndbbank.com

NDB Bank

5. TMFP – Tea ManufacturesFinancing Programme

Donor Agency – Overseas Economic Corporation Fund (OECF)

Purpose To finance the working capital requirement of Low GrownTea Manufactures.

Target Group Low Grown Tea manufactures.



Payment period Link to trade cycle

Securities Tea stocks / PGs

Project Fixed Maximum fixed assets should not exceed Rs 100mnAssets

Other -

Kapila Deshapriya



011 244 8448

011 234 1048

@ [email protected]

www.ndbbank.com

15 16


NDB Bank

6. Supplier Financing, DealerFinancing & Exporter Financing

Donor Agency – Overseas Economic Corporation Fund (OECF)

Purpose To establish a short term financing mechanism.

Target Group Suppliers to corporate/ Distributors/ Dealer of corporate

Loan Amount Maximum Rs 100 Million


Payment period Interest monthly, Capital repayment link to trade cycle.

Securities Project assets / assignment of GRNs / Work orders / Postdated cheques / Stocks.

Other _

Kapila Deshapriya



011 244 8448

011 234 1048

@ [email protected]

www.ndbbank.com

Kapila Deshapriya



011 244 8448

011 234 1048

@ [email protected]

www.ndbbank.com

NDB Bank PLC

7. KFW Credit line for SMEs in North & East

Purpose Improved access to credit and other financial services forentrepreneurs and small enterprises in the North and Eastthrough the banking sector.

Target Group Small and medium enterprisesFixed assets excluding land and buildings do notexceed Rs 50 Mn before subloan approvalNo arrears with other banks

Loan Amount Up to equivalent rupee value of EUR 5 Million

Rate of Market rateInterest

Payment PeriodMax 6 yrs including a max 1 year grace period

Securities Property mortgages, Business assets, personal guaranteesand any other security acceptable to the bank

Others Subprojects to be located in the eight districts of theNorth and East: Ampara, Batticaloa, Trincomalee,Vavuniya, Mannar, Kilinochchi, Mullaitivu and Jaffna.May be existing enterprises or new start upsEligible sectors include farms, primary agriculturalproduction and fisheries

17 18


Bank of Ceylon

1. “Nawasapiri” Rural Loan Scheme

Purpose To provide credit facilities for paddy and approved foodcrop cultivations

Target Group Farmers who cultivate paddy and cash crops

Loan Amount For one acre – From Rs. 2,500/- 175,000/- (depends onthe crop)


Payment Period 270 days

Securities Personal guarantors

Others Islandwide

W.A.C. Tisserra

Senior Manager - Dev. Banking

Development Banking Division, 25th Floor, Head Office, Colombo 01

011 244 5808/ 220 5005

011 244 5805

@ [email protected]

www.boc.lk

W.A.C. Tisserra



011 244 5808/ 220 5005

011 244 5805

@ [email protected]

www.boc.lk

Bank of Ceylon

2. Loan Scheme for Farmers who purchases Paddy

Purpose To provide credit facilities for small scale paddy farmersto store their paddy harvest

Target Group Small scale Paddy Farmers

Loan Amount Rs. 50,000/-


Payment Period 6 months

Securities Mutual guarantee (Two debtors)

Others Islandwide

19 20


Bank of Ceylon

3. Agricultural & Livestock Loan Scheme

Purpose To increase the employment opportunities through theincrease of milk production/ to start and improve theagricultural and agro based processing industries/ toenhance the production in the agricultural sector as awhole.

Target Group Milk Producers and all parties engaged in the field ofAgriculture

Loan Amount Up to Rs. 400,000/- Up to Rs. 3 million

Rate of Interest 8% p.a. 12% p.a.

Payment Period 5 years

Securities Personal guarantee/Immoveable Property

Others Islandwide

W.A.C. Tisserra



011 244 5808/ 220 5005

011 244 5805

@ [email protected]

www.boc.lk

W.A.C. Tisserra



011 244 5808/ 220 5005

011 244 5805

@ [email protected]

www.boc.lk

Bank of Ceylon

4. Small Scale Project for Poverty Alleviation andRevolving Fund Loan Scheme

Purpose To guide the low income generating people in ruralareas to small groups method with the objective ofenhancing their standard of life by cultivating the habitof thrifts and saving and provide capital requirementsto cater the economic and social development.

Target Group Economically under developed areas and low incomegenerating families

Loan Amount From Rs. 50,000 up to Rs. 200,000/-



Securities Group guarantees or any other security acceptable tothe bank

Others PAMP II – Implemented in Northern, Eastern, Uvaand North Central provinces and Puttalam & RatnapuradistrictsRevolving Fund Project – Implemented inSouthern, Western, Central provinces and Kurunegala& Kegalle districts

21 22


Bank of Ceylon


Purpose To provide credit facilities to cater the capital needs toimprove and initiate income generating activities amongsmall and medium scale entrepreneurs.

Target Group Individuals, Joint Ventures, Companies

Loan Amount From Rs. 200,000/- upto 5 million



Securities Immovable property or any other security acceptable tothe bank.

Others Islandwide

W.A.C. Tisserra



011 244 5808/ 220 5005

011 244 5805

@ [email protected]

www.boc.lk

W.A.C. Tisserra



011 244 5808/ 220 5005

011 244 5805

@ [email protected]

www.boc.lk

Bank of Ceylon

6. Kapruka Investment Loan Scheme

Purpose To increase the coconut production and enhance theproductivity.

Target Group Coconut land owners or lessees

Loan Amount From Rs. 40,000/- upto 1,000,000/-



Securities Property with more mortgage value, two personalguarantees acceptable to the bank or any other securityacceptable to the bank

Others Galle, Matara and Hambantota

23 24


Bank of Ceylon

7. Dasuna Loan Scheme

Purpose To revive the small and medium scale Industrialists inthe Southern Province.

Target Group Land owners, individuals, Companies or any otherentrepreneurs with a personal wealth


Rate of Interest 10.5% p.a.

Payment Period 3-5 years

Securities Two personal guarantees, Mortgage of an immovableassets or any other security acceptable to the bank

Others Galle, Matara and Hambantota

W.A.C. Tisserra



011 244 5808/ 220 5005

011 244 5805

@ [email protected]

www.boc.lk

W.A.C. Tisserra



011 244 5808/ 220 5005

011 244 5805

@ [email protected]

www.boc.lk

Bank of Ceylon

8. Diyawara Saviya Loan Scheme

Purpose To assist the Tsunami affected persons and help for themto recover the properties they have lost.

Target Group Individuals, Groups


Rate of Interest 8% p.a. 10% p.a.

Payment Period 3-5 years

Securities Upto Rs. 250,000 – Two personal guaranteesFrom Rs.250,001 – Immovable assets with a higher mortgagevalue.

Others Kalutara, Galle, Matara, Hambantota, Ampara, Batticaloeand Trincomalee districts

25 26


Bank of Ceylon

9. Negenahira Navodaya

Purpose To provide loans required to improve the incomegenerating activities in the Eastern Province.

Target Group Individual, Joint Ventures, Self-employment

Loan Amount Maximum Rs. 250,000/-


Payment Period Maximum 60 months (5 years)Grace period – 06 months(if necessary)

Securities Upto Rs. 100,000 – Two personal guarantors under loanshceme

From Rs. 100,000

I. Two guarantorsII. Mortgage of the project asset or any other security

acceptable to the bank.

Others Trincomalee, Batticaloe and Ampara districts only

W.A.C. Tisserra



011 244 5808/ 220 5005

011 244 5805

@ [email protected]

www.boc.lk

Bank of Ceylon

10. Wiskam Loan Scheme

Purpose To enhance the commercial agro based business throughan investment diversification.

Target Group Individual business, Group Business, RegisteredCompanies (Agriculture, Agro based business, Institutionsbased on agro businesses)

Loan Amount 1. Agro and milk products – Rs. 25 million2. Liquid milk Projects – From Rs.400,000/-

to Rs. 2,500,000/-3. Demonstration Famrs – Rs. 10 million

4. Creative Projects – Rs. 5 million5. Breeding farms/–Milk Collecting Centres -

Rs. 5 milli


Payment Period From 3 - 6years (if necessary a grace period of 06 months)

Securities 1. A guarantee acceptable to the bank according to theloan amount

2. Project assets immovable property mortgage3. Should obtain fire and thief insurance policy

Others Islandwide

27 28

W.A.C. Tisserra



011 244 5808/ 220 5005

011 244 5805

@ [email protected]

www.boc.lk


Bank of Ceylon

11. Small Plantation Entrepreneurs DevelopmentCredit Scheme

Purpose To improve the standard of life of the low incomegenerating people in the project area.

Target Group 1. Re-settlers under HADABIMA and MahaweliSchemes

2. Low income generating small businesscommunity living in the Intermediate Zone inMoneragala district

3. Women and family members living below thepoverty line and needy groups

Loan Amount 1. For re-settled farmers – Rs 250,000/-2. For basic level institutions – Rs. 2,000,000/- (Rural

Rubber Development & Farmer Groups)3. For Factories and Processing Centres – Rs.

5,000,000/-


Payment Period 5 years – 1 year grace period – if necessary

Securities 1. Upto Rs. 100,000/-• Two personal guarantors under loan scheme or

any other personal guarantees acceptable to thebank.

2. Rs. 100,001- Rs. 250,000/-• Two personal guarantors acceptable to the bank• Project assets with a fire insurance policy• Any other security acceptable to the bank.3. Over Rs. 250,001• Project assets with a fire insurance policy• Immoveable Property• Any other security acceptable to the bank.

Others Implemented at DS level in Kandy, Kegalle,Nuwaraeliya and Moneragala districts

Bank of Ceylon

12. Regaining North (Uthuru Wasanthaya) LoanScheme

Purpose To provide loans required to develop the economicactivities or to start or maintain legal projects in theNorthern Province. To improve income generatingactivities.

Target Group Permanent Residents in the Northern Province

Loan Amount Upto Rs. 200,000/-



Securities Two personal guarantors or any other security acceptableto the bank.

Others In Jaffna and Vanni districts only

W.A.C. Tisserra



011 244 5808/ 220 5005

011 244 5805

@ [email protected]

www.boc.lk

29 30


Bank of Ceylon

13. Bhagya Community Development Loan Scheme

Purpose To provide loan facilities for the income generating smallscale activities of the small groups at village level underthe progamme to assist and share the livelihood of theDry Zone.

Target Group Small groups members at the village level inAnuradhapura, Kurunegala, Badulla and Moneragaladistricts

Loan Amount For Self employment activitiesFor one purchaser upto Rs. 50,000/-For income generating small scale activitiesUpto Rs. 200,000/- per one purchaser


Payment Period Upto Rs. 50,000/- 36 monthsUpto Rs. 200,000/- 48 months

Securities For Self employment activitiesGuarantee of two members in small groupFor income generating small scaleactivitiesGuarantee of two members in small group or any othersecurity acceptable to the bank.

Others Implemented in selected DS Divisions in Anuradhapura,Kurunegala, Badulla and Monaragala districts.

Bank of Ceylon

14. Self Employment Promtion Loan Scheme

Purpose To provide financial facilities for the young people whocomplete the education from a recognised VocationalTraining Institute to start their own self employmentprojects

Target Group Young people who have followed a National Certificatecourse or Skill Development Programme and aEntrepreneurship Course from a recognised VocationalTraining Institute registered in the Ministry of Vocational& Technical Training



Payment Period 4 years including the 8 month’s grace period

Securities 1. Upto Rs. 100,000• Two personal guarantors2. Over 100,000• Two personal guarantors• Mortgage of project assets• Any other security acceptable to the bank

Others Islandwide

31 32

W.A.C. Tisserra



011 244 5808/ 220 5005

011 244 5805

@ [email protected]

www.boc.lk


Bank of Ceylon

15. Saubhagya Self Employment Promotion LoanScheme

Purpose To create self employment opportunity for the distressedpeople in Sri Lanka and for the promotion of small andmedium scale projects

Target Group For legal projects and for the distressed people torehabilitate them.

Loan Amount From 500,000/- to Rs. 20,000,000/-


Payment Period 5 years including 6 month’s grace period

Securities Upto Rs. 500,000/-• Personal guarantorsOver 500,000/-• Personal guarantors• Mortgage of project assets or• Any other acceptable security

Others Islandwide

Bank of Ceylon16. Diyawara Diriya Loan Scheme

Purpose Development of the Fishing Industry

Target Group Individuals, Group Members, Registered Companies

Loan Amount Maximum Rs. 10 Mn.

Rate of Interest Up to Rs 2 million – 5.5% p.a.From Rs 2 million – 8% p.a.

Payment Period For Fishing Boats – Max 8 years (with the grace period of06 months)For Fishing Equipment - Max 4 years (withthe grace period of 03 months)

Securities Should obtain the recommendation from the Ministry ofFisheries or Affiliated Institution and the mortgagerequired according to the loan amount and personalguarantee or any acceptable security to the bank.

Others Islandwide

W.A.C. Tisserra



011 244 5808/ 220 5005

011 244 5805

@ [email protected]

www.boc.lk

33 34

W.A.C. Tisserra



011 244 5808/ 220 5005

011 244 5805

@ [email protected]

www.boc.lk


4. Lankaputhra Development Bank

1. Mahaweli Loan Credit Scheme

Purpose Production, Agriculture

Target Group Mahaweli Zones.

Loan Amount Rs 50,000 to 10 mn

Rate of Interest 9 %

Payment Period 4 yrs.

Securities Property / Personal grantors

Others —

Lalith Liyanage

Executive, Marketing & Business Development

Lankaputhra Development Bank80, Nawala Rd, Nugegoda.

0112 821031

0112 821020

@ [email protected]

www.lankaputhra.lk

Lankaputhra Development Bank

2. Anthurium Loan Scheme

Purpose Growing Anthurium Plants

Target Group Western province growers

Loan Amount 100,000/- to 300,000/-


Payment Period 5 yrs

Securities Personal guarantors

Others —

35 36

Lalith Liyanage



0112 821031

0112 821020

@ [email protected]

www.lankaputhra.lk



3. LAKAM Loan Scheme

Purpose Production

Target Group Regional wise SME industries

Loan Amount 50,000/- to 500,000/-


Payment Period 3 - 4 yrs

Securities Property / Personal guarantors

Others —



Purpose Coconut growing

Target Group Small scale coconut growers

Loan Amount 100,000/- to 1,000,000/-

Rate of Interest 12% p. a


Securities Personal guarantors / Property

Others —

37 38

Lalith Liyanage



0112 821031

0112 821020

@ [email protected]

www.lankaputhra.lk

Lalith Liyanage



0112 821031

0112 821020

@ [email protected]

www.lankaputhra.lk



5. Footwear Loan Scheme

Purpose Shoe manufacturing

Target Group Shoe manufactures SME producers.

Loan Amount 100,000/- to 350,000/-


Payment Period 3 - 4 yrs

Securities Mortgage property / Personal guarantors

Others —

5. People’s Bank


Coconut Development Loan

Loan Amount Rs.1000,000/-

Rate of Interest 10%

Payment Period 5 years including the grace period of max 06 months

Interest subsidy Up to Rs 500,000 - 4%Refinance Over Rs 500,000 - 5%Interest Rate

Securities Up to Rs.250,000 Two personal guarantorsacceptable to the Bank, mortgage over immovableproperty. Over Rs 250,000 Mortgage over immovable

property.

Swarna Weerasinghe

Chief Manager- Development & Micro Finance

Department of Development & Micro Finance9th Floor, People’s Bank Head Office,Sir Chittampalam A Gardiner Mawatha, Colombo 2.

011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

39 40

Lalith Liyanage



0112 821031

0112 821020

@ [email protected]

www.lankaputhra.lk


Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

People’s Bank


Loan Amount Maximum loan amount - Rs 5,000,000/-Minimum loan amount - Rs 200,000/-


Refinance From Central Bank of Sri Lanka -100 %Repayment Interest rate to CBSL- 8 %

Repayment 5 years, including grace period of max 12 monthsPeriod

Securities Two personal guarantors acceptable to the bank,Mortgage over a movable or immovable property.

Areas for which Agricultural, Industries, Fisheries and related activities ,credit is Transport, Animal husbandry, Trade and Incomeprovided generating activities

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

People’s Bank

3. VIDATHA Credit Scheme

Implemented in coordination with the Technology & Research

Loan Amount Max Rs 75,000/-

Rate of 13 % p.a.Interest

Repayment 3 years , grace period of max 6 monthsPeriod

Securities Two personal guarantors acceptable to the Bank

Areas for Commercially, technically and financially viable projects ofwhich credit is entrepreneurs trained and recommended by Vidathaprovided Resource Centers / Vidatha Societies

41 42


People’s Bank

4. VANITHA NAVODYA Credit Scheme

Loan Amount Max Rs 100,000/-


Repayment Period 2 years , including grace period of max 3 months

Securities Loan Receipt signed by the applicant is consider assecurity.

Areas for Commercially viable economic activities ( for womenwhich credit is affected by natural disasters such as Tsunami,provided floods, earthquake, landslides, or due to the war.)

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

People’s Bank

5. GOVI SAHANAYA Forward Sales Contract Scheme for Sale of

Agricultural Produce (Under NCRCS)

Loan Amount Maximum - Rs 50 Mn

Rate of Interest From Buyers 9%Commission at the time of loan recovery - 2%

Repayment Period 270 days for Maize. 1 80 days for Paddy and othercrops.

Securities A valid forward sale contract document, pledge ofproduce and assignment over insurance policy. Twopersonal guarantors acceptable to the bank, Mortgageover a movable or immovable property.

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

43 44


People’s Bank

6. VEE BISSA Loan Scheme

Loan Rs 72,000/- to Rs 152,000/-Amount 75% of the cost of construction of the store.

Rate of Interest Property mortgage - 9.5%Other securities - 10.5%

Repayment 3 - 5 yrs (6-10 seasons)Period

Securities Two personal guarantors acceptable to the bankMortgage over a movable or immovable property

Areas for To build / improve paddy stores.

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

People’s Bank

7. Farm Machinery Purchase Loan Scheme

Loan Amount Maximum Rs 200,000/-

Rate of Interest Property mortgage -9.5%Other securities – 10.5%

Repayment Max 36 months or 6 cultivation seasons (Kanna)Period


Areas for Purchase of two wheel tractors, Farm machinery andwhich credit is accessories.provided

45 46


People’s Bank

8. Paddy Pledge Loans

Maximum loan No upper limit. Should not exceed 75% of the value of paddystock.

Rate of Interest Property mortgage - 11%Other securities - 11.5%

Repayment Max 180 daysPeriod

Securities Pledge over paddy stock with two acceptable guarantors orany other acceptable guarantors to the bank.

Areas for Paddy millers and paddy collectors to purchase paddy.which credit is

provided

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

People’s Bank

09. New People’s Fast Loan Scheme

Maximum Micro - up to Rs 250,000/-( Minimum Rs.25,000/-)Amount Small - up to Rs 2,000,000/-Loan Medium - up to Rs 20,000,000/-

Rate of Micro - Property mortgage - 9 %Interest Personal Guarantee - 9.5%

Inter se group guarantee -Small - Property mortgage - 9.5 % Other securities -10.5%MediumProperty mortgage - 11 %Other securities - 11.5%

Repayment 3 years, including grace of max 03 monthsPeriod 5 years on immovable property

Securities Upto Rs 250,000/- personal guaranteeAbove Rs 250,000/- property securities

Areas for which Agriculture, agro industries, self employments, animalis provided husbandry, small industries, providing services and any

income generating activity such as a business.

47 48


People’s Bank

10. ATAMARU Loan Scheme

Loan Amount Maximum Rs 50,000/-

Commission Monthly 4%

Commissions 25% of the commission charged will be refund inRebate case to customer who repay the loan within the agreed

period.

Repayment Maximum - 03 months Loan repayments can be madePeriod on a daily or weekly basis.

Securities Inter-se Guarantee of two members who qualify forLoans under this credit scheme.

Areas for Micro, small and medium scale entrepreneurs engage inwhich credit is income generating economic activities in the sphenesprovided small trade, cottage industry and agriculture.

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

People’s Bank


Project Galle, Matara, and HambanthotaOperationDistricts

Loan Amount Maximum Rs . 01 million (Minimum Rs 40.000/-)

Rate of Interest 10.5%p.a

Refinance National Development Bank - 95% Refinance interestrate to NDB - 6%

Repayment Repayment period 7 years (including the grace periodPeriod of maximum 24 months )


49 50


People’s Bank

12. Medium Scale Industry and Business DevelopmentSpecial Loan Scheme - Kilinochchi and Mulativu

Project Area Kilinochchi and Mulativu Districts

Maximum Maximum loan amount Per person Rs. 10 millionMinimumLoan Amount loan amount per person Rs. 02 million

Rate of Interest 9%p.a

Repayment Period 05 years including a maximum grace period of 12 months.

Securities Personal guarantee and mortgage over project assets.

Areas for Small and medium entrepreneurs in Districts of Kilinochchiwhich credit is and Mulativu Districtsprovided

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

51 52

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

People’s Bank

13. Pledge Loan scheme for small Scale Paddy farmers.

Maximum 75% of the value paddy stock under the price certifiedLoan Amount by the Paddy Marketing Board subject to maximum limit

of Rs. 50,000/=

Rate of Interest 8.%p.a

Repayment 03 monthsPeriod

Securities Pledge over the stock of paddy and Guarantee of twopersonal guarantors.


People’s Bank

14. Awakening North Loan Scheme

Project Area Northern Region (Jaffna , Wanni )

Maximum Rs.200,000/-Loan Amount


Refinance 90% refinance from Central Bank of Sri Lanka

Repayment 5 years, including grace of max 06 monthsPeriod

Securities Two personal guarantors acceptable to the bank,Mortgage over a movable or immovable property

Areas for Agriculture and allied activities, livestock (milk producing,which credit is poultry farming, fisheries & allied activities, Micro & smallprovided scale enterprises other self employment projects including

trade)

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

53 54

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

People’s Bank

15. Awakening East Loan Scheme

Project Area Eastern Region (Ampara, Trincomalee, Batticoloa )




Repayment 5 years, including grace of max 06 monthsPeriod


Areas for Perennial crop cultivation, livestock, fisheries, trade,which credit is tourism and other self employment activities.provided


People’s Bank

16. Self Employment Promotion InitiativeLoan Scheme ( SEPI) .




Repayment 4 yrs, including grace of max 08 monthsPeriod


Areas for which Projects/self employment in areas of electrical andcredit is provided Electronics, Textile and other technically viable sectors

are eligible for finance.

Youngsters who gave followed professional courses fromnecognized institutions and posing required certificatesare eligible for this.

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

55 56

People’s Bank

17. Poverty Alleviation Micro Finance Project – II loanScheme.

Project Area Jaffna, kilinochchi , Mulativu, Mannar, Trincomalee,Batticaloa, , Ampara, Puttalam, Anuradhapura, Vavuniya,Polonnaruwa, Badulla, Monaragala, Ratnapura

Maximum 1st loan Rs.100,000, 2nd loan Rs.150,000 and succeedingLoan Amount loans Rs. 200,000



Repayment 3 yearsPeriod

Securities Loans can be considered against inter-se guarantee of twomembers of a socially mobilized Group.

Areas for Agricultural, Industries, Self Employment, Animalcredit is husbandry, Small Industries, Services, Trade and any incomeprovided generating activities.

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk


Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

People’s Bank18. Small Holder Plantation Entrepreneurship

Development Loan Scheme.

Project Area Nuwara Eliya , Kandy , Kegalle and Monaragala

Maximum Small Farmers – Rs.250, 000/-Grass root level institutions ( Farmer groups ) – Rs2000,000/

Loan Amount Factories and processing –Rs.5000,000/-



Repayment 5 years inclusive of 12 months grace periodPeriod

Securities Two personal guarantors acceptable to the bank, Mortgageover a movable or immovable property.

Areas for which Agriculture and allied activities including tea and rubbercredit is based industries income generating activities such as on,provided Small industries, Live stock, Garments, Small Trading,

Handicrafts (operated by Farmers Organization)

57 58

People’s Bank


Maximum Rs.25,000,000/-Loan Amount



Repayment 5 years inclusive of 06 months grace periodPeriod


Areas for Small and medium enterpriseswhich credit isprovided

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk


Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

People’s Bank20. Post Tsunami Coastal Rehabilitation and Resource

Management Programme (PTCRRMP) Loan Scheme.Project Area Kalutara, Galle. Matara, Hambantota, Ampara, Batticaloa

and TrincomaleeMaximum Individual –Small Scale –Rs.5,000/- to 80,000/-Loan Amount Group/Society/Cluster – Micro Enterprise - Rs. 0.1Mn to

1.0 Mn.Group/Society/Cluster – Commercial - Rs. 1.0 Mn to 10.0Mn.

Rate of Interest Individual –Small Scale 8%Group/Society/Cluster–Micro Enterprise -8%Group/Society/Cluster – Commercial – 10%

Refinance 100% refinance from Central Bank of Sri LankaRepayment Individual –Small Scale – 3 years Grace period 06 monthsPeriod Group/Society/Cluster–Micro Enterprise - 5 years Grace

period 06 monthsGroup/Society/Cluster – Commercial – 5years Grace period 03 months

Securities Two personal guarantors acceptable to the bank, Mortgageover a movable or immovable property.

Areas for Agriculture, Agro livestock, Animal Husbandry, Small whichcredit is industries, Services and any other income generatingprovided activities.

59 60

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

People’s Bank21. Renewable Energy for Rural Economic Development

(RERED) Project Loan Scheme.

Maximum Maximum Loan Limit per borrower is, either USD 8Loan Amount Million or the maximum amount the bank may consider as

opportune to be granted per borrower, whichever is lower.

Eligible ActivitiesGrid Connected Renewable Energy Power Projects. (Withcapacity not more than about 10 MW)Investments relevantto energy efficiency, conservation and demand sidemanagement.Financing or acquisition of existing assets(including land) or refinancing of existing debts or accruedinterest will not be considered under this loan scheme.

Rate of Interest On mortgage of immovable property - 12%Other securities - 13%

Refinance 80% refinance from DFCC Bank

Repayment Maximum loan repayment period is 10 years inclusive of aPeriod grace period of 2 years.

Securities Securities acceptable to the Bank


Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

People’s Bank

22. Credit Line for Development of CommercializedAgribusiness (VISKAM)

Eligible activities Agro and milk based industries of innovative nature, whichgenerate employment and add value.Development of Dairy Resources Centers (DRCs), MediumScale Commercial “Dairy Farms” and “Breeding Farms”.

Maximum Agro and milk based industries- Rs. 25.0 millionLoan Amount Dairy projects - Rs. 400,000/= to Rs. 2.5 million

Demonstration farms- Rs. 10.0 millionInnovative projects - Rs. 5.0 millionBreeding Farms / Dairy Resource Centers - Rs. 5.0 million

Rate of Interest 8% per annum


Repayment A repayment period from 36 months up to 72 months isPeriod allowed including a maximum grace period of 06 months


61 62

People’s Bank

23. Agro Livestock Development Loan Scheme

Maximum Loan Small dairy farming project –Amount Rs. 400,000/- Maximum

Liquid milk & agro based Processing industry -Rs. 300 Mn.Cold stores/Ice slab producing industry Rs.10 Mn.maximum

Rate of Interest Up to Rs.400,000/- 08% p.aAbove Rs.400,000/- 12% p.a

Repayment Period Maximum time period for loan repayments will be 05years inclusive of grace period, if required.


Projects eligible Small dairy Project, Liquid milk processing and Agriculturefor loans crop processing Industries establishment of cold stores

and ice slab producing factories and poultry farming

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk


Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

People’s Bank24. Loan Scheme for cultivation activities in HomeGardens (“ Divi Naguma” )

Maximum Loan Rs.100,000/-Amount

Rate of Interest 9% p.a

Repayment Period 4Years

Securities Two personal guarantors acceptable to the bank.

Sectors eligible Vegetable Cultivation & Fruit Cultivation

for loan Animal Husbandry

Cultivation of permanent crops

Maximum Loan Rs.50,000/-Amount


Repayment Period 12 months

Securities Two personal guarantors acceptable to the bank,

63 64

Swarna Weerasinghe


Department of Development & Micro Finance

9th Floor, People’s Bank Head Office,Sir Chittampalam A Gardiner Mawatha, Colombo 2.

011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

People’s Bank25.Tea Development Project Revolving Fund Loan

Scheme

Loan Amount 1. Purchasing of transport vehicles to transportgreen leavesFor 2 wheel / 4 wheel tractors Rs. 1.5MnFor purhcase of lorries Rs. 3.0Mn

2. Purchasing of racks and crates Rs. 200,000 per unit3. Development of tea land for replanting

Rs. 750,000/= per ha.and infilling (Mas 2 ha. may be financed)

4. Nursery Development Rs. 1.0 Mn per unit toproduce 100,000 tea plants.

Rate of Interest 9%1. Purchasing of transport vehicles 5 years (no

to transport green leaves grade period)2. Purchasng of racks and crates Repayment period

should be decidedbased on therecommendation ofTSHDA

Repayment 3. Development of tea land for Repayment periodPeriod relanting and interfiling up to 13 years

inclusive of a fiveyear grace period.

4. Nursery Development Repayment period 5years inclusive of afive year graceperiod.


Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk

People’s Bank26. New Comprehensive Rural credit Scheme.

Maximum loan Loan amount varies depending on the type of cropamount cultivated

Rate of interest From Farmers – 8% p.a

Interest subsidy From CBSL – 6% p.a

Repayment Period Maximum – 270 days

Securities Inter-se Guarantee of two farmers or other acceptable

guarantee

Guarantee Cover 60% of the loan balance (from CBSL)

Areas for Paddy, subsidiary crops, ginger, betel, seeds and plantwhich credit is producing and material used for cultivationprovided

65 66

People’s Bank

27. Second Perennial Crop Development Project Loan

Scheme.

Maximum Loan Rs.1 Million

Rate or Interest 09% p.a

Refinance 87%

Repayment 10 years including grace period

Period

Securities Two acceptable guarantorsMortgage over an immovable/Movable property

Crops Minor-export crops such as pepper, cocoa, coffee,considered under nutmeg, cinnamon, lime, oranges, cashew, pineappleand this loan scheme. floriculture.

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk


6. RDB – Regional Development Bank

1. Agricultural Crops & Liquid milk productionImprovement Loan Scheme

For Small scale Dairy farmers and Liquid milk producers in corporationwith CBSL

Purpose Increase the Agricultural crops and Liquid milkproduction

Target Group Small scale Dairy farmers and Liquid milk producers

Conditions Small scale Dairy farmers and Liquid milk producers

Loan Amount Small dairy farming project MaximumRs 400,000//=Liquid milk production and Agricultural cropsproduction 300mn

Rate of Interest Small dairy farming project 8%

Liquid milk production and Agricultural cropsproduction 12%

Securities Depends on the Loan amount decided by the BankOthers

A.B. Ariyarathne

Deputy General Manager – Credit & Recovery

Regional Development Bank, 12th Floor, Access Tower, 278,Union Place, Colombo 02.

011-2302360

011-2305370

@ [email protected]

www.rdb.lk

67 68

People’s Bank

28. Bagya Community Development Loan Scheme

Project operation Anuradhapura, Badulla, Kurunegala, MonaragalaDistrictsMaximum Loan Small Scale income generation activitiesAmount Rs. 10,000/- to Rs. 50,000/-

Medium scale income generation activities(Agricultural & industries)Rs. 50,000/- to Rs. 200,000/-Bulk loan for Development SocietiesRs. 100,000/- to Rs. 300,000/-

Rate of Interest 10% p.aRefinance From CBSL - 100%Repayment Period Small Scale income generation activities - 36 months

Medium Scale income generation activities(Agricultural & Industries) - 48 monthsBulk loan for Development Societies - 48 months

Securities Two personal guarantors acceptable to the bank,Mortagage over a movable or immovable property.

Areas for which Agriculture, Agro livestock, Animal Husbandry, Smallcredit industries, Services and any other income generating

activities.

Swarna Weerasinghe



011 248 1348 , 011 248 1461

011 233 0083 , 011 243 4780

@ [email protected]

www.peoplesbank.lk


A.B. Ariyarathne



011-2302360

011-2305370

@ [email protected]

www.rdb.lk

RDB – Regional Development Bank

2. KAPRUKA Investment Loan - Coconut DevelopmentLoan Scheme

For coconut cultivation and coconut based industries in collaborationwith Coconut Development Board (CDB)

Purpose Increase the productivity, income generating activitiesand employment of the Coconut loans or coconut basedindustries.

Target Group Applicant should be over18 years aged and be should bethe owner of the land or tax payee to the land.

Conditions Applicant should be over18 years aged and be should bethe owner of the land or tax payee to the land.

Loan Amount Rs 150,000/=

Rate of 12% Interest

Securities Personal Guarantor or Properties.

Others -

A.B. Ariyarathne



011-2302360

011-2305370

@ [email protected]

www.rdb.lk


3. Agriculture and Agricultural machinery, Animalhusbandry, Fisheries, Industrial & CommercialBusiness Loan Schemes

To finance the SME who are not eligible for other re-finance schemes ofthe bank

Purpose Supply for Loan facilities which are unable to obtain loansfrom re-finance Loan Schemes.

Target Group Those who can not get loans from re-finance Loan schemescurrently operate by the bank.

Conditions Those should be who can not get loans from re-finance Loanschemes currently operated by the bank

Loan Amount Decided by the bank with customer need.

Rate of Interest Agriculture or Agricultural equipment – 14%

Animal Husbandry or Fisheries 14%

Industries -14%

Commercial Business – 14%

Securities Decide by the bank according to the loan amount

Others

69 70



4. ISURU Loan Scheme

Enhancement of Land less farmers

Purpose Improve the social and economical standard for lowincome families.

Target Group A family should be the monthly income belowRs 2400/=

Conditions At least 3 months group together and saving in eachgroup.

Loan Amount Up to Rs 50,000/=


Securities Group Guarantees.

Others -

I. Jacksan Wijesekara

Assistant General Manager – Credit & Recovery


011-2302360

011-2305370

@ [email protected]

www.rdb.lk




011-2302360

011-2305370

@ [email protected]

www.rdb.lk

RDB – Regional Development Bank5. PAMP – SME Revolving Fund Loan Scheme

For low income families, in corporation with Central Bank of Sri Lanka

Purpose Alleviate Poverty.

Target Group Low income families. (Rs Less than Rs 3000/=)

Conditions Should be Group Members.

Loan Amount Up to Rs 200,000 /=


Securities Group Guarantees.

Others -

71 72





011-2302360

011-2305370

@ [email protected]

www.rdb.lk

RDB – Regional Development Bank6. NDTF Loan Scheme

For Agriculture & Livestock Service oriented SMEs in corporation withNational Development Trust Fund

Purpose SME Entrepreneurs of Agricultural field and animalhusbandry and service oriented sector.

Target Group Families whose incomes are less than 7000/= areeligible.

Conditions Families whose incomes are less than 7000/= areeligible.

Loan Amount Maximum 75,000/=


Securities Personal Guarantee

Others Loan amount differs according to the cultivated crop.


7. RUEDA Loan Scheme

For start-up SMEs in Southern Province

Purpose Initial financial assistance to improve small & Mediumscale Business entrepreneurs.

Target Group The entrepreneurs who have been identified are fromHambanthota, Matara & Galle Districts.

Conditions Certified from Ruhunu Economic DevelopmentInstitute and approval from the Loans Community .

Loan Amount Minimum Rs 200,000/= & Maximum Rs 2,000,000/=


Securities Personal Guarantee/ Properties

Others

K.P. Dahanayaka

Regional General Manager – Southern Province

Regional Development BankSouthern Regional officePaburana, Matara

041 223 1531

0412226208

@ [email protected]

www.rdb.lk

73 74


K.P. Dahanayaka



041 223 1531

0412226208

@ [email protected]

www.rdb.lk



For Southern Province SMEsin collaboration with National Development Bank & Southern ProvinceDevelopment Authority

Purpose To develop Small & Medium scale industrialists.

Target Group Should be Small & Medium scale Entrepreneurs.

Conditions Should receive satisfaction from theEntrepreneurship development service buyer.

Should receive certification from the SouthernProvince Development Authority.

Loan Amount 1,000,000/=


Securities Personal Guarantee / Properties

Others


9. SPDA Loan Scheme - Southern Province DevelopmentAuthority

For SME industrialists in Southern Provincein collaboration with SPDA

Purpose To develop the southern province Small & Mediumscale industrialist.

Target Group Small & Medium scale Entrepreneurs

Conditions Should be Small & Medium scale Entrepreneurs



Securities Personal Guarantee / Properties

Others

K.P. Dahanayaka



041 223 1531

0412226208

@ [email protected]

www.rdb.lk

7675



10. ‘Uva Entrepreneurship’ Loan Scheme

For Medium scale Entrepreneurs

Purpose To grant incentives to medium scale industrialist

Target Group Small scale industrialist.

Conditions Should be registered industrialist.


Rate of Interest 8%

Securities 05 yrs

Others Personal Guarantee

Dicman Silva

Regional General Manager – Uva Province,

Regional Development Bank, Uva Regional Office, No. 26,Bank Site, Badulla.

055-2223635

055-2231680

@ [email protected]

www.rdb.lk


11. Dry Zone Loan Scheme

Purpose To improve employment opportunities and to improvetheir living slandered

Target Group For women and poor farmers

Conditions Should be registered in a farmers association.

Should have an account at Central bank.

Should deposit 25% of the loan amount at thebank

Acceptable project report

Loan Amount Individual - 50,000/-Small scale Agricultural venture – 200,000/-


Securities 10 yrs

Others Two registered members of the association or any otheracceptable source of guarantee

A. H. M. G. Abeyrathne

Chief Manager – Loans

Regional Development Bank, Wayamba Regional Office, No. 155,Negombo Road, Kurunegala

037-2234350

037-2220013

@

www.rdb.lk

77 78



12. Small Estate Owners Loan Scheme

Re-financed by CBSL

Purpose Development of small middle country estates.Re-settled farmers

Target Group Women and small group members.

Conditions Tea rubber and other plantation crops but, not tothose who have not settled.

Loan Amount Farmers 250,000/=Foundation stage farmers 200,000/=Factory 1.5m

Rate of Interest 5%


Securities Promissionary note, Acceptable guarantee to theOthers Bank and property.




011-2302360

011-2305370

@ [email protected]

www.rdb.lk


13. NAGENAHIRA NAVODAYA Loan Scheme

CBSL Refinanced

Purpose Fisheries sector, Agriculture, Micro, medium and smallscale entrepreneurs-providing financial facilities

Target Group

Conditions Should be permanent residence Northernprovince.

Should deposit 10% of the loan amount at thebank

Re-payment capabilit

Loan Amount Maximum 250,000/=

Rate of Interest 9%


Securities Personal guarantee/ propertyOthers




037 222 7429 , 037 223 4350 , 037 223 4360 ,037 223 1880 , 037 222 7567

@ [email protected]

www.rdb.lk

8079



14. “Dorin Dora” Loan Scheme

For Businessmen

Purpose Argent requirement

Target Group Business community.

Conditions Active bank customer.

Loan Amount According to the requirement


Payment Period Personnel guarantee/ Variable assets - 3years. Project Assets/ Fix Assets – 5 yrs

Securities General securities.Others

Sarath Sri Fernando

Assistant General Manager – Business & Promotion


011-2302360

011-2305941

@ [email protected]

www.rdb.lk


15. Forward Sales Contract (FSC) Loan Scheme

Interest subsidized by CBSL

Purpose Buy Agricultural products.

Target Group Rice mill owners paddy buying institutes.

Conditions Should be a mill owner, Stock collector and activecustomer of bank.

Loan Amount According to the land area.


Payment Period 6 month

Securities Property.Others


Chief Manager - Loans


037 222 7429 , 037 223 4350 , 037 223 4360 ,037 223 1880 , 037 222 7567

@ [email protected]

www.rdb.lk

81 82



16. SECONDARY PERENNIAL CROP (SPCDP) LoanScheme

For Planters, Interest subsidized by CBSL

Purpose For the perennial crops.

Target Group Planters.

Conditions Should be Land owners and active bank member.


Rate of Interest 9%

Payment Period 5 Yrs

Securities Personal guarantee/ property

Others




011-2302360

011-2305370

@ [email protected]

www.rdb.lk


17. North Western Province DairyDevelopment Project

Interest subsidized by Provincial Agri Dept - NWP

Purpose Promote the self employment.

Target Group Those who are engage self employment activityrecommended by North western Provincial Council.

Conditions Should obtain the recommendation of provincialcouncil.

Loan Amount Amount will be determine provincialrecommendation.

Rate of Interest 6%


Securities Personal guarantee/ Property

Others




037-2234350

037-2220013

@

www.rdb.lk

83 84



18. North Eastern Province Self Employment LoanScheme

Interest subsidized by Provincial Ministry of Agriculture - NEP







Securities Personal guarantee/ PropertyOthers




037-2234350

037-2220013

@

www.rdb.lk


19. Fruit Crop Development Loan scheme

Interest subsidized by Provincial Ministry of Agriculture - NWP





Rate of Interest 6%






037-2234350

037-2220013

@

www.rdb.lk

85 86



20. Anthurium Cultivation Development Loan Scheme

Interest subsidized by Provincial ministry of Agriculture - NWP




Loan Amount Amount will be determine provincial recommendation.

Rate of Interest 6%






037-2234350

037-2220013

@

www.rdb.lk


21. Mushroom Cultivation Loan Scheme

Interest subsidized by Provincial Ministry of Agriculture - NWP





Rate of Interest 6%


Securities Personal guarantee/ Property

Others




037-2234350

037-2220013

@

www.rdb.lk

87 88



22. Cashew Processing Loan Scheme

For self employers





Rate of Interest 6%






037-2234350

037-2220013

@

www.rdb.lk


23.” Mahaweli Saviy “ Loan Scheme

For farmers & SMEs in mahaweli zones.

Purpose Providing financial facilities for Agriculture,Micro, medium and small scale entrepreneurs-

Target Group Low income farmers & SMEs in mahaweli areas,

Conditions Should live in mahaweli zones.

Loan Amount 200,000/=

Rate of Interest 8%


Securities 2 Personal guarantors

Others




011-2302360

011-2305370

@ [email protected]

www.rdb.lk

89 90



24. Small & Medium Enterprise Development LoanScheme (SMEDeF)

Purpose Develop the Small & Medium Enterprises.

Target Group Small & Medium Entrepreneurs

Conditions Should be a Small & Medium Entrepreneur.

Loan Amount Loans up to Rs.60 Mn.



Securities 2 Personal guarantee/ Moveable Property/ FixedProperty

Others Grace period up to 2 years




011-2302360

011-2305370

@ [email protected]

www.rdb.lk


25. ODAPANA Loan Scheme

Interest subsidized by CBSL

Purpose Focusing paddy and gains collectors.

Target Group Who are engage in paddy and gains collect sector.

Conditions Should maintain active account more than six monthsand who should engage relevant field.

Loan Amount

Rate of Interest With Interest subsidy – 12%


Securities 2 Personal guarantee/ Moveable Property/ FixedProperty

Others

A.B. Ariyarathne



011-2302360

011-2305370

@ [email protected]

www.rdb.lk

91 92



26. WARI PUBUDUWA Loan Scheme

Project funds from Irrigation and Ministry of Water Management

Purpose Increase the income generation activity who are livingin irrigation zone, but their not engage in irrigationactivity.

Target Group People who are live in irrigation zone should doBusiness Zone foods vegetables, nurseries, handicraftproduction and household.

Conditions Be live in irrigation zone should do Business Zonefoods vegetables, nurseries, handicraft production andhousehold.

Loan Amount 200,000/=



Securities 2 Personal guarantee

Others

D.M. Senarathna Bandara

Regional General Manager

Regional Development Bank, North Central Provincial Office,No. 338/18, Bank Place, Anuradhapura

025 223 4934, 025 222 5214, 025 222 23080

@

www.rdb.lk


27. SAUBAGYA Loan Scheme

Financial Assistant to SME and disaster affected SME in Sri Lanka incorporation with Central Bank of Sri Lanka

Purpose Financial Assistant to SME and disaster affected SMEin Sri Lanka

Target Group SME owners and disaster effectedSME Owners/SMEs

Conditions ∗ Be a Sri Lankan∗ Good cash flow with a repayment ability∗ Ability to Guarantee provide request from the

BankLoan Amount ∗ Maximum Rs. 25,000,000/= for Industry of Small

& Medium scale.∗ Maximum amount 20m of disaster effected SMEs

Rate of Interest 9% for reducing balance method of SMEs.Securities Should submit request from the BankPayment PeriodOthers

A.B. Ariyarathne



011-2302360

011-2305370

@ [email protected]

www.rdb.lk

93 94


7. SANASA Development Bank

1. AWAKENING NORTH LOAN SCHEME –(UTHURUWASANTHAYA LOAN)

Purpose Income generating purpose

Target Group Farmers, Fisheries, Micro, Small & Medium ScaleEntrepreneurs in the Northern Province.

Loan Amount Up to Rs200,000/-

Rate of Interest 9%

Payment Period 5Years

Securities Suitable collateral to minimize the risk

Other

K.K.S.U. Kumara

Credit Manager

No.12, Edmonton Road, kirulapone,Colombo 06

011 2832531

011 2514251

@ [email protected]

www.sdb.lk

SANASA Development Bank

2. SAUBAGYA LOAN SCHEME

Purpose Providing credit facilities for Small and Medium ScaleEnterprises.

Target Group Small & Medium Scale Enterprises which total assetsvalue is below Rs. 40 Mn excluding Land and Buildingsand that employed 5-100 persons.

Loan Amount Up to Rs. 25 Mn

Rate of Interest 9%

Payment Period 5Years


Other

K.K.S.U. Kumara

Credit Manager


011 2832531

011 2514251

@ [email protected]

www.sdb.lk

9695



3. CORDAID LOAN SCHEME (MANNAR DISTRICT ONLY)

Purpose Income generating purpose

Target Group Farmers, Fisheries, Micro, Small & Medium ScaleEntrepreneurs in t Mannar District.

Loan Amount Up to Rs. 50,000/-


Payment Period 3 Years


Other Providing Loan Facility for Sanasa group members only.

K.K.S.U. Kumara

Credit Manager


011 2832531

011 2514251

@ [email protected]

www.sdb.lk


4. TEA LOAN SCHEME

Purpose Increase Tea smallholders income on a sustainable basis

Target Group Tea Smallholders.

Loan Amount Rs. 500,000.00 to Rs. 1Mn

Rate of Interest 9%



Other

K.K.S.U. Kumara

Credit Manager


011 2832531

011 2514251

@ [email protected]

www.sdb.lk

97 98



5. ABIWURDHI LOAN SCHEME (ALDL)

Purpose Small farmers and persons who are engaged in dairyfarming activities and require seed and working capitals.

Target Group Small farmers and others who are primarily engaged indairy farming activities in the agriculture sector.

Loan Amount Rs. 400,00.00 to Rs. 300Mn




Other

K.K.S.U. Kumara

Credit Manager


011 2832531

011 2514251

@ [email protected]

www.sdb.lk


6. JAWAYA LOAN SCHEME (FOR FOREIGN EMPLOYEE)

Purpose Providing loan facility for getting visa, passport, Air ticketand any other related activities.

Target Group Sri Lankan Below 40 years.

Loan Amount Rs. 100,00.00




Other

K.K.S.U. Kumara

Credit Manager


011 2832531

011 2514251

@ [email protected]

www.sdb.lk

99 100



7. LOAN POOL LOAN SCHEME

Purpose For Income generating purposes

Target Group Sanasa group and Sanasa Society customers.

Loan Amount Rs. 50,00.00




Other

K.K.S.U. Kumara

Credit Manager


011 2832531

011 2514251

@ [email protected]

www.sdb.lk

8. Sampath Bank

1. Agro Livestock Loan Scheme (ALDL)

Purpose 1. Purchase of cows,Heifers, Equipments forDevelopment of dairy projects & constructionof cattle sheds

2. Processing of liquid Milk & production of Milkbased products

3. Agro based & agro related processing industries4. Enhancing storage facilities in the processing

industry5. Establishing Cooling facilities (Cold Stores)

Target Group Small farmers/persons engaged in Dairy farmingactivities

Loan Amount 1. Small Dairy Farmers Rs. 40,000/=2. Processing Industry Rs. 300Mn

Rate of Interest 1. 8%, 2. 12%

Repayment Period Max 5 years (inclusive of grace period determined byPFI)

Subsidy 1. 6% 2. 2%

Others Operating areas – All districts in Sri Lanka

Ms. Pinipa Pathirana

Refinance Officer

Sampath Bank, Development Banking Division, Sampath Bank PLC,110, Sir James Peiris Mw, Colombo 02

011 473 0219

011 533 1469

@ [email protected]

www.sampath.lk

101 102


Sampath Bank

2. Eastern Province

Purpose 1. Perennial crop cultivation Livestock development(strictly excluding piggery, broiler farming &livestock for slaughter)

2. Fisheries & related activities3 Trade, tourism and Other self-employment Projects

Target Group Permanent resident living in the Eastern Province

Loan Amount Max. Rs. 0.250 Mn (90% of the estimated cost of theProjects)


Repayment Period Max 5 Years (Including months grace perioddepending on the nature of the sub projects)

Securities 100% of loan disbursed by the Bank

Other Operating areas – All districts in the Eastern Province


Refinance Officer


011 473 0219

011 533 1469

@ [email protected]

www.sampath.lk

Sampath Bank

3. E Friends (Rev) Fund

Purpose 1. Projects which lead to find solutions to theenvironmental problems due to industrialpollution caused from manufacturing process.

2. Energy Consumption3. Waste minimization4. Resource recovery5. Pollution contral

Target Group Financially viable Industrial Enterprises a BusinessRegistration

Loan Amount Maximum of 20.0 Mn

Rate of Interest 8.5% p.a.

Repayment Period Sub Loans granted in 2010, Max 3 Years. (Max. Grace2 Years), Repayment Period of loans granted after30-06-2010 should not exceed 30.06.2014(includingthe grace period)


Others Operating areas – All districts in Sri Lanka


Refinance Officer


011 473 0219

011 533 1469

@ [email protected]

www.sampath.lk

103 104


Sampath Bank

4. Northen Province (Pibidena Uthura)

Purpose 1. Agriculture & related Activities2. Livestock Development (Strictly excluding piggery,

broiler farming & livestock for slaughter)3. Fisheries & related activities3 Trade, tourism and Other self-employment

projects5. Micro & Small enterprises Trade and other self-

employment projects

Target Group Permanent resident living in the Northern Province

Loan Amount Max. Rs. 200,000/= (90% of the estimated cost ofthe Projects)

Rate of Interest 9%

Repayment Period Maximum 5 years (including 06 months grace period)


Others Operating areas – All districts in the Northern Province


Refinance Officer


011 473 0219

011 533 1469

@ [email protected]

www.sampath.lk

Sampath Bank

5. PAMP II Credit Scheme for Microfinancing

Purpose 1. Agriculture2. Livestock Development (Strictly excluding

piggery, broiler farming & livestock forslaughter)

3. Trade & Services 4. Small Industries5. Others

Target Group 1. Households whose income is less than Rs.15,000/= per month

2. Households who are beneficiaries of not morethan Microfinance scheme

3. Households who are not defaultrs of any otherfinancial institution

Loan Amount Eligible Projects 1& 2Max 50,000 as the 1st loan & 2nd loan Rs 100,000Eligible Projects 1& 2Max 150,000 as the 1st loan &2nd loan Rs200,000

Rate of Interest 15..5% p.a. (max.)

Repayment Period Agri loans for short terms Crops 8 MonthsOtherLoans 36 Months


Others Operating areas – 14 districts in Sri Lanka


Refinance Officer


011 473 0219

011 533 1469

@ [email protected]

www.sampath.lk

105 106


Sampath Bank

6. Prosperty (Saubagya) Loan Scheme

Purpose 1. Micro, Small & Medium scale Enterprises (MSMEs)which total assets value should below Rs. 40.Mn(excluding land & building) & employed 5-100persons

Target Group Permanent residents living in Sri Lanka

Loan Amount Maximum Amount Rs. 25.0 Mn




Others Operating areas – All Island


Refinance Officer


011 473 0219

011 533 1469

@ [email protected]

www.sampath.lk

Sampath Bank

7. SMEDeF

Purpose All sectors other than trading, please referAppendix 1 of PRO/2011/0013 – Ver. 1 forexclusionary list of Projects

Target Group Any Private enterprise operating in Sri Lanka1. Borrowers of loans up to Rs. 10 Mn (excluding

housing & consumption Loans)2. Loans over Rs. 10.0 Mn & Enterprise is having

Turnover of Rs. 300.0 Mn


Rate of Interest 15..5% p.a. (max.)

Repayment Period 1. Working Capital facilities Maximum 03 years2. No working Capital facilities – Maximum 10

years (Including grace period of 02 years)


Others Operating areas – All Island


Refinance Officer


011 473 0219

011 533 1469

@ [email protected]

www.sampath.lk

107 108


Sampath Bank

8. SPEnDP

Purpose 1. Agriculture and allied activities including Tea &Rubber based industries

2. Small industries operated by farmer organizations3. self-employment activities4. Other income Generating Activities - Livestock

– Garments – Small Trading _Handicrafts

Target Group 1. A citizen of Sri Lanka & settlers of the Hadabimaor Mahaweli Resettlement Schems (Mid-CountryTarget Group) or low income smallholders in theintermediate Zone of Monaragala (MonaragalaTarget Group)

2. Women and members of other vulnerable groups(below poverty line) Eligible sub borrower shouldhave the recommendation from the ProgrammeManagement Unit, of the credit line.

Loan Amount Rs. 0.25 Mn to Rs. 5.0 Mn




Others Selected divisional Secretariats of* Nuwaraliya * Kandy * Kegalle *Monaragala

Sampath Bank

9. Smile II (Revolving) Fund

Purpose 1. Building Construction2. Purchas of Machinery & other fixed assets3. Commercial Vehicles4. Permanent working capital

Target Group Sole Proprietorships, partnerships, limited liabilitycompanies, Co-operative societies who possess abusiness registration certificate


Rate of Interest AWDR+5% or 11.3% whichever is higher

Repayment Period Minimum 3 YearsMaximum 5 years (including grace period)(Maximum grace period - 2years)

Securities 75% of the approved loan amount

Others Operating areas – All Districts in Sri Lanka


Refinance Officer


011 473 0219

011 533 1469

@ [email protected]

www.sampath.lk

109 110


Sampath Bank

10. Kfw – DFCC V

Purpose 1. Existing enterprises & new start ups.2. Farms (excluding livestock for slaughter)

primary agricultural production and fisheries3. Reimburesment cost incurred under eligible sub

projects also considered for priod not exceeding1 year after the date of disbursement of therefinance loan leasing facilities.

Target Group Permanent resident living in the North & EasternProvinceSmall 7 Medium enterprise whose fixed assetsexcluding land & building do not exceedRs. 50.0 Mn Before sub loan approved

Loan Amount Min. Rs. 0.10 Mn, Max s. 6.00 Mn

Rate of Interest 03 Months AWDR+5

Repayment Period Min 2yrs, Max. 5Yrs (including the grace period)(max. grace period – 1 year)

Securities 75% of the approved loan amount

Others Ampara, Batticaloa, Trincomalee, Vavuniya, Mannar,Kilinochi, Mullaitivu, Jaffna.


Refinance Officer


011 473 0219

011 533 1469

@ [email protected]

www.sampath.lk

9. Hatton National Bank PLC

1. Gami Pubuduwa Microfinance Loan Scheme

Purpose Financing for self employment projectsAny legally recognized income generating activity

Target Group Self employment / Small Enterprises

Loan Amount Up to Rs. 1 Mn.

Rate of Interest 15% - 18%

Payment Period 4 yrs inclusive of grace period

Securities Two personal guarantee or any acceptable securityto the bank considering the risk elements.

Others Loans to be granted as individual and as group loans.

M V P Gunawardena


Hatton National Bank PLC,HNB Tower, Level 19, No. 479,T. B. Jayah Mawatha, Colombo 10

011 266 1988-92

011 266 2823

@ [email protected]

www.hnb.lk

111 112


M V P Gunawardena



011 266 1988-92

011 266 2823

@ [email protected]

www.hnb.lk

Hatton National Bank PLC


Purpose Cultivation (Paddy, Chillies, red/B onions green gram,Potatoes, Soya bean or any other short term crops.

Target Group Small scale farmers.

Loan Amount Rs. 8,000/- to Rs. 280,000/- depending on theselected crops subject to max.loan limit


Payment Period Normally within 180 days or 01 month after harvestwhichever is earlier.

Securities Any acceptable security to the bank considering therisk elements.

Others Interest Subsidy Scheme

Hatton National Bank PLC3. Second Perennial Crop Development Project

Credit Scheme (SPCDP)

Purpose Field development of perennial crop, inter cropping ,pasture/livestock,nursery operation, agro processingetc

Target Group Small & Medium Cultivators

Loan Amount Up to Rs. 10 Mn.

Rate of Interest 9% p a

Payment Period 10 yrs with a mix grace period of 5yrs.


Others Equity - Minimum 25% of the cost of project

M V P Gunawardena



011 266 1988-92

011 266 2823

@ [email protected]

www.hnb.lk

113 114



4. KAPRUKA AYOJANA - Coconut Development CreditScheme

Purpose Inter cropping and Coconut cultivation related activities.

Target Group Small & Medium scale Cultivators.

Loan Amount Rs. 10 Mn.


Payment Period 1. Cultivation / Irrigation 05 yrs inclusive 01 yr grace2. Nursery (for inter-crops) 01 yr inclusive of 6 mths

grace3. Purchase of equipment 05 yrs inclusive of 3 mths

grace


Others Refinance SchemeA Category : 100% sub.loan @ 6%B Category : 100% of sub.loan @ 5%Equity : Minimum 20% of the project costCredit Guarantee : 50% cover of the default amountfrom CCB.Interest rebate from CCB1. Cultivation 2. Nursery

M V P Gunawardena



011 266 1988-92

011 266 2823

@ [email protected]

www.hnb.lk


5. Development Loans under Rural Credit

Purpose Short term / Perennial Crop Cultivation.Farm machinery / Agriculturalequipments / Fisheries/Animalhusbandry.Any other income generatingproject / activity.

Target Group Small & Medium scale farmers

Loan Amount Not specified

Rate of Interest 13.5% - 17%

Payment Period 5 yrs. (Repayment period may extend on life span ofthe project, pattern of income generation etc; as casemay be)


Others No Refinance - Bank’s own funds. Equity - Minimum25% on completion of the project.

M V P Gunawardena



011 266 1988-92

011 266 2823

@ [email protected]

www.hnb.lk

115 116



6.Agro-Livestock Development Loan Scheme (ALDL)

Purpose Category A-Small dairy/agri projectsCategory B-Milk & Agro Processing

Target Group A-Small farmers /B- Small & Medium Enterprises

Loan Amount A-up to Rs. 0.4 Mn./B-up to Rs.300 Mn

Rate of Interest A-8%B-12%

Payment Period Up to 5yrs including 1yr grace period


Others No Refinance - Bank’s own funds.Equity - Minimum 25%

M V P Gunawardena



011 266 1988-92

011 266 2823

@ [email protected]

www.hnb.lk


7. REACT NORTH - Resumption of Economic activities inthe Northern Province

Purpose Agriculture, Livestock, Fisheries, Small ScaleEnterprises, TradeTourism, Permanent residents ofNorthern Province


Loan Amount Rs 200,000 /-


Payment Period Maximum of 5 yrs including grace period and subjectto the nature of the project


Others Refinance Scheme

M V P Gunawardena



011 266 1988-92

011 266 2823

@ [email protected]

www.hnb.lk

117 118



8. REACT EAST - Resumptionof Economic activities in the Eastern Province

Purpose Agriculture, Livestock, Fisheries, Small ScaleEnterprises, TradeTourism, Permanent residents ofEastern Province.




Payment Period Max 5 yrsincluding grace period and subject to thenature of the project



M V P Gunawardena



011 266 1988-92

011 266 2823

@ [email protected]

www.hnb.lk

Hatton National Bank PLC09.Poverty Alleviation Micro

Finance Project II (PAMP II)

Purpose Agriculture, Livestock, Fisheries, Small ScaleEnterprises, Trade


Loan Amount Up to Rs 200,000/-

Rate of Interest 12%-14% p a

Payment Period Max 03 yrsincluding grace period and subject to thenature of the project



M V P Gunawardena



011 266 1988-92

011 266 2823

@ [email protected]

www.hnb.lk

119 120


Hatton National Bank PLC10. Prosperity Loan Scheme

(SAUBAGYA)

Purpose Processing, Manufacturing, Engineering &ServicesSector Working capital & Machineries

Target Group Small & Medium Enterprises

Loan Amount Up to Rs. 25Mn


Payment Period Max 5 yrsincluding grace period of 06 months andsubject to the nature of the project



M V P Gunawardena



011 266 1988-92

011 266 2823

@ [email protected]

www.hnb.lk

10. Commercial Bank

1. DIRIBALA - Medium TermDevelopment Loan Product

Purpose Construction of buildings

Infrastructure development

Purchase of Plant, Machinery and other fixed assets

Purchase of vehicles of commercial and passengertransportation.

Working Capital purposes

Target Group Individuals, Sole Proprietors, Partnerships and PrivateLimited Liability Companies who are either presentlyengaged or are to engage in industrial / Agri-culturalprojects.

Loan Amount Depend on the project

Rate of Interest The rate would be decided depending on theproject/security and other relevant aspects.

However the interest rates are subject to reviewby the Bank from time to time.

Payment Period Maximum 7 Years including the grace period.

Securities The exposure of the Bank should adequately be coveredby acceptable securities.

Mohan Fernando

Manager - Development Credit

Development Credit Dept, Commercial Bank of Ceylon PLC21, Bristol Street, Colombo 01

011 235 3841

011 245 9213

@ [email protected]

www.combank.net

121 122


Mohan Fernando



011 235 3841

011 245 9213

@ [email protected]

www.combank.net

Commercial Bank

2. BFMCS – Bank Funded Micro Finance Loan Scheme

Purpose Purchase of fixed assets which are essentiallyrequired for the business.

Construction of building & infrastructuredevelopment.

For working capital requirement in case ofincrease in production on a permanent basis.

Purchase of land & settlement of existing debt willnot be eligible.

Target Group Applicants should be permanent residents, above 18years of age & should not figure as a defaulter inany financial institution. Preference will be given towho are posse’s vocational qualifications andexperience.

Loan Amount The maximum individual loan size is Rs 200,000/=

Rate of Interest 18 % per annum

Payment Period Maximum repayment period is five(05) years(including the grace period) by weekly or monthlyinstallments.

Securities To be decided by the Branch Manager.

Commercial Bank

3. BFACS – Bank FundedAgricultural Credit Scheme

Purpose Establishment and Developments of plantation cropsEstablishment and Developments of Export AgriculturalCrops (Cardamom, Cashew, Cinnamon, Cocoa, Coffee, Pepper)Livestock DevelopmentsFarm Machinery / Commercial Vehicles required for the farm.Production of Seed and Planting materialsCultivation of short-term cropsAgro ProcessingControl Environment Agriculture.Horticulture (Banana, Lime, Mandarin, Mango, Papaya,Passion, Rambutan, Sweet Orange, Pineapple)FloricultureEstablishment of Irrigation SystemsAcquisition of Agricultural Lands / Development of AgriculturalLandsOrganic FarmingAny other commercially viable Agricultural projects

Target Group Be an individual or group of individuals or a registered company engaged in cultivating processing or marketing activitiesrelating to Agriculture.Should be able to produce a farm development plan of theproposed project acceptable to the bank.

Loan Amount The Maximum individual loan size should be Rs 5 Mn

Rate of 14% p.a. (At present).The interest rate is subject to reviewInterest by the bank periodically.

Payment The maximum loan repayment period is 5 years including

Period the grace period.

securities The exposure of the bank should adequately be coveredby acceptable

Mortgage over immovable assets or any other securityacceptable to the Bank

Other Be able to provide in cash or kind, equity contribution of at least25% of the estimated total cost of the project.

123 124


Commercial Bank4. Kapruka Ayojana

PurposeTarget Group A corporate body, owner, lessee or a person who

has a legal right to the land at where the proposeddevelopment is undertaking.A corporate body or a person who could make acontribution of 20% or more as equity from totalproject cost in case the proposed project is lessthan 50 acres in extent.A corporate body or a person who could make acontribution of 25% or more as equity from totalproject cost in case the proposed project is morethan 50 acres in extent. ( only for Specialprojects listed under activity L in Table 1)

Loan Amount

Rate of Interest 12% pa

Payment Period

Securities For loans ranging from Rs 25,000 to Rs 100,000 couldbe considered under a guarantee of two personsacceptable to bank or mortgage over immovableproperty.

For loans in excess of Rs 100,000 would be amortgage over an immovable property or any othersecurity acceptable to the bank.

Mohan Fernando



011 235 3841

011 245 9213

@ [email protected]

www.combank.net

11. Central Bank – RefinancedSchemes

1. SAUBAGYA – Prosperity Loan Scheme

Purpose To startup, expand any Micro Small & MediumEnterprises (MSME) or any MSME effected by disaster

Target Group For startup & expansion of MSMEs, or disaster effectedMSMEs

Loan Amount Start up or expansion – Rs.500,000/-Disaster affected(before resumption) – Rs.20 million

Rate of Interest Start up or expansion – 10%Disaster affected – 9%


Securities Area of operation – All Island

E A Hettiarachchi

Director

Regional Development Department, Central Bank of Sri Lanka,No. 30, Janadhipathi Mawatha, Colombo 01

011-2477447

011-2477734

@ [email protected]

www.cbsl.lk

125 126


E A Hettiarachchi

Director


011-2477447

011-2477734

@ [email protected]

www.cbsl.lk

Central Bank

2. Self Employment Promotion Initiative Loan Scheme

Purpose To provide financial assistance to Trained Youth

Target Group Trained Youth of Recognized Vocational Training




Others All Island

E A Hettiarachchi

Director


011-2477447

011-2477734

@ [email protected]

www.cbsl.lk

Central Bank

3. SPEnDP – Small Holder PlantationsEntrepreneurship Development Programme

Purpose Enhancing of living standard of the Low-IncomeCommunity

Target Group Low –Income Small Holders

Loan Amount Rs 250,000/- to 5.0 Mn.



Securities Kandy, Kegalle, Nuwara Eliya and Moneragala District

127 128


E A Hettiarachchi

Director


011-2477447

011-2477734

@ [email protected]

www.cbsl.lk

Central Bank

4. Dry Zone Livelihood Support andPartnership Programme – Bhagya CommunityCredit Programme

Purpose To provide facilities to income generating activities

Target Group Village Level Small Group Members

Loan Amount Upto Rs.200,000/-

Rate of Interest 10% p.a.Disaster affected – 9%

Payment Period 3- 4 Years

Participating Bank of Ceylon

Financial People’s Bank

Institutions Regional Development Bank

Wayamba Regional Office

o Uva Regional Office

o North Central Regional Office

Operational Kurunegala Anuradhapura, Badulla, Moneragala

Districts

E A Hettiarachchi

Director


011-2477447

011-2477734

@ [email protected]

www.cbsl.lk

Central Bank

5. Krushi Navodaya Credit Scheme

Purpose Provisioning and capital to improve the agriculturebase income generating avenues

Target Group

Loan Amount Maximum Rs.100,000/-


Payment Period Maximum 36 Years

Participating Bank of Ceylon, People’s Bank , Commercial Bank,Financial Hatton National Bank, Sanasa Development Bank,Institutions Regional Development Banks, Sampath Bank,

Lankaputra Development Bank

Operational All IslandDistricts

129 130


Central Bank

6. PAMP II Loan Scheme

Poverty Alleviation Micro Finance Project

Purpose Household monthly income less than Rs.15,000/- in ProjectLocation

Loan Amount First Loan provided for end-users

Agriculture, Fisheries & Livestock - Up to Rs.50,000/-

Trade & Services & Small Industries - Up to Rs.100,000/-

Second Cycle Loan


Succeeding Loans

Agriculture, Fisheries & Livestock - Up to Rs.100,000/-


Rate of Interest 15.5% per annum to end-users (maximum)

Repayment Maximum of 36 monthsPeriod

Securities The compulsory group savings could be taken as security.

Location Nothern & Eastern Province: All DistrictsNorth Central Province: Polonnaruwa, AnuradhapuraNorth Western Province: PuttalamUva Province: Badulla & MoneragalaSabaragamuwa Province: Ratnapura

* Agriculture, Fisheries & LivestockUpto a maximum of Rs.50,000/- , repayment of the first loan, second loan up to100,000 per person.

* Trade and Service, Small IndustriesFirst Loan up to Rs.100,000/- , 2nd Loan will be increased up to Rs.150,000/-, aftersettlement of first loan eligible to receive for a 3rd loan up to Rs.200,000/- ,afterthe settlement of first two loans, ….

Central Bank

7. PAMP Revolving Fund Loan Scheme

Poverty Alleviation Microfinance Project (PAMP) Revolving Fund LoanScheme

Purpose Strengthening of Economic Conditions of low incomefamilies

Target Group Household’s Monthly income less than Rs.15,000/-

Loan Amount Rs.50,000/- to Rs.200,000/-

Rate of Interest 16% p.a. (maximum)


Others Compulsory Group Savings

Location Kandy, Nuwara Eliya, Matale, Galle, Matara,Hambantota, Kegalle, Kurunegala, Colombo, Gampahaand Kalutara Districts

E A Hettiarachchi

Director

Regional Development Department, Central Bank of Sri LankaNo. 30, Janadhipathi Mawatha, Colombo 01

011-2477447

011-2477734

@ [email protected]

www.cbsl.lk

131 132


E A Hettiarachchi

Director


011-2477447

011-2477734

@ [email protected]

www.cbsl.lk

Central Bank

8. NCRCS - New Comprehensive RuralCredit Scheme

To develop cultivation of Agricultural Crops and production of seeds

Purpose To develop cultivation of Agricultural Crops and

production of seeds

Target Group Farmers

Loan Amount Cultivation of crops – depend on the crop

Production of seeds – Rs. 5 million

Rate of Interest Cultivation of crops - 8% p.a.

Production of seeds- 8% p.a.

Payment Period Maximum 9 months

Area of Operation Area of operation – All Island

E A Hettiarachchi

Director


011-2477447

011-2477734

@ [email protected]

www.cbsl.lk

Central Bank

9. ALDL - Agro Livestock Development Project

Purpose To develop dairy farming, milk processing industries,agriculture crop processing industries, cold stores &block ice manufacturing plants & poultry sector

Target Group Entrepreneurs engage in dairy farming poultry,agricultural processing & ice manufacturing

Loan Amount Small dairy/poultry projects – Rs.400,000/-

Dairy/poultry/crop processing industries – Rs.300 millionCold Stores & block ice plants – Rs.10 million

Rate of Interest Small dairy/poultry project - 8% p.a.Processing Industries & others - 12% p.a.

Payment Period 5 years including a grace period

Area of Operation Area of operation – All Island

133 134


E A Hettiarachchi

Director


011-2477447

011-2477734

@ [email protected]

www.cbsl.lk

Central Bank

10. Post – Tsunami Coastal Rehabilitationand Resource Management Programme(PTCRRMP)

Purpose To assist communities adversely affected by Tsunamidisaster to recover their assets and re-establish thefoundation of their usual economic activities whilediversifying into new profitable income generatingactivities.

Target Group Individual, Group/Society/Cluster, Group/Society/Cluster

Loan Amount Rs.5,000/- to Rs.10.0 mn.

Rate of Interest 8% – 10% p.a.


Others Areas for which credit is provided. Seven districts,namely Kalutara, Galle, Matara, Hambantota, Ampara,Batticaloa and Trincomalee

E A Hettiarachchi

Director


011-2477447

011-2477734

@ [email protected]

www.cbsl.lk

Central Bank

11. Awakening North - Northern ProvinceCredit Line

Purpose To develop micro & small enterprises located in theNorthern Province

Target Group Agriculture, Livestock, Fisheries, Micro & Smallenterprises, Trading & Self Employment



Payment Period Maximum 5 years including maximum grace periodof 6 months.

Others For the permanent residents & project in NorthernProvince

135 136


Central Bank

12. Credit Scheme for Resumption ofEconomic Activities in the Eastern Province

Purpose To develop micro & small enterprises located in theEastern Province

Target Group Agriculture, Livestock, Fisheries, Micro & Smallenterprises, Trading & Self Employment & Tourism



Payment Period Maximum 5 years including maximum grace period of6 months.

Others For the permanent residents & projects in the EasternProvince

E A Hettiarachchi

Director


011-2477447

011-2477734

@ [email protected]

www.cbsl.lk

Part 2Ministries & Institutions

137 138


12. FCCISL-SMED - Small &Medium Enterprise Division

SME Development Services

FCCISL- Federation of Chamber of Commerce & Industry of Sri Lanka

Management and Technical ServicesProject Reports & Feasibility Studies for new projects and expansion ofexisting projects, Business plans & Corporate plans, Improved manage-ment systems and procedures, financial management Strategies and plans,Market Surveys, human Resource Development Programs includingConsultancy and counseling of labour problems. Project Profiles & Com-pany profiles, Promotional Brochures, Product development & productadaptation, packing, Proposals for approval from the board of investmentto set up BOI Companies, incorporation of private limited liability compa-nies & Business Registration, Export marketing Etc.Engineering and Manufacturing related Services.Environment and Energy related ServicesTraining & DevelopmentPublicationSME Machinery FairKey personal ForumSpecial ProjectAgri Business Development ServicesTechnology services

S. W. B. WijekoonConsultant (Technical) – Small and Medium EnterpriseDevelopment (SMED)Federation Of Chambers Of Commerce & Industry Of Sri LankaFederation House, No. 53, Vauxhall Lane, Colombo-02011 230 4287-9011 230 4291

@ [email protected] , [email protected]

13. CNCI - The Ceylon NationalChamber of Industries

Promote & foster Industrial Growth in Sri Lanka

(Emphasis on Micro/SME/ Large Sector Enterprise Industrial)

Promote and foster industrial growth in Sri Lanka and to co-operate withthe Government and other Governmental & Non Governmental Associa-tions in the attainment of such objectives.

To promote and protect the interests of persons connected with industrialundertakings in Sri Lanka

To represent and express on industrial, commercial and economic mattersthe opinions of the industrial community in Sri Lanka and to aid, assist andco-operate with others in such representation and expression.

To advise and communicate on economic and industrial matters with pub-lic authorities, and similar associations in other places and with individu-als.

To foster fellow feeling and co-operation among industrialist, workers andconsumers in all matters of common interest.

To mediate on behalf of members and settle disputes with GovernmentDepartments, and Ministries

To promote and take action necessary to expand the export of industrialgoods of Sri Lanka

Kumara Kandalama

Secretary General / CEO

The Ceylon National Chamber of Industries,Flat No : 20 , Galle Face Court 2, Colombo-03

011 233 1444 , 245 2181

011 233 1443


139 140


14. NCCSL - The National Chamberof Commerce of Sri Lanka

SME Development Programme

Training for the SMEs

Assisting SMEs to participate at local and international trade fairs atconcessionary rates

Provide local and international buyer information

Publicizing the details of SMEs and their products in our market bulletinwhich is circulated all over the world monthly

Providing any other assistance for SME development in kind.

E.M. Wijethilake

Secretary General

No. 450, D.R.Wijewardana Mawatha, Colombo 10.

011 474 1788

011 268 9596

@ [email protected]

www.nccsl.lk

Sujeewa Ratnakumara

National Programme Manager

YBSL Secretariat, No.50, Navam Mawatha, Colombo 02

011 558 8884

011 244 9352

@ [email protected]

www.ybsl.lk

15. CCC - The Ceylon Chamberof Commerce

Credit Support to “Financially Challenged Youth”

Purpose Credit facilities for agriculture, Livestock, Micro, Smalland medium scale enterprises. Special loan facilitiesfor disaster affected enterprises.

Target Group Small & Medium Scale Entrepreneurs

Loan Amount Up to Rs 500,000/- to Rs 20 Mn.




Other Credit facilities for agriculture, Livestock, Micro, Smalland medium scale enterprises. Special loan facilitiesfor disaster affected enterprises.

141 142


16. NIBM - National Instituteof Business Management –Sri Lanka

Training & Development

In the field of Management and productivity the NIBM offers the matureand employed student the opportunity to obtain well recognizedqualifications in diverse fields through twelve diploma programs conductedin the English and Sinhala media as well as the numerous Certificate andshort term courses available. We also cater to specific needs of the industrythrough customized training programs and through consultancyassignments.

Main campus at Colombo and our regional centers in Kandy and Kurunegalaensure that quality training is available through NIBM to a wider range anda greater number of our valued students. Training Centers

Colombo campus

Kandy Centre

Kurunegala Centre

Galle Centre

Mr. D.M.A. Kulasooriya

Director – Productivity & Management Development

NIBM, 120/5, Wijerama Mawatha, Colombo 07

011 267 2940 , 011 564 4317

011 267 2940 , 011 268 5808

@ [email protected]

www.nibm.lk

Training Officer

National Apprentice and Industrial TrainingAuthority(NAITA)No. 242, Havelock Town, Colombo 05.

011 286 3680

011 286 3737

@ [email protected]

17. NAITA - National Apprentice andIndustrial Training Authority

Ministry of Youth Affairs

Conducting Entrepreneurship Awareness programmes for Vocational cer-tificate Holders.

Conducting eight days workshop about Entrepreneurship Developmentprogrammes .

Implementing Know About Business (KAB) training programmes forapprentices with coordination of the SIYB association of Sri Lanka.

143 144


18. SEDD - Small EnterpriseDevelopment Division - Ministryof Youth Affairs

Entrepreneurship Development Training & facilities forother Business Development Services

Purpose:

To develop entrepreneurial & managerial skills of the owners of new andexisting SMEs and to provide BDS (eg. Marketing, Technology, Financial,Rules & regulation Information…. Etc.)

To whom:

Owners of existing SMEs and those who are expecting to start – up newbusiness

Conditions:

be an owner of existing SME or who has willingness to start –up newbusinessMinimum Requirements: Literacy (Sinhala, English or Tamil)

Other:

All programmes are conducted island wide at divisional secretariat level

A. Vimalarathna

Director

Small Enterprise Development DivisionNo. 1334, Old Kotte Road,

Rajagiriya.

011 2869844, 0112886855

@ [email protected]

www.youthentrepreneur.gov.lk

19. CEFE Net Sri Lanka

Providing Entrepreneurship Development andManagement training to SMECEFE Trainings

1. Entrepreneurship DevelopmentBusiness Planning ModuleNew Business Creation (NBC)Small And Medium Business Management and Expansion Course(SMBME)Financial Management ModuleMarketing Management ModuleResource Poor ModuleCost Reduction Through Waste ManagmentTeam Building and Motivation with Challenge for ProfessionalDevelopmentEntrepreneurial Competencies Enhancement Moudle

2. For Counselors and MentorsSmall Business Counseling Course

3. For TrainersCEFE Training of Trainers Course (ToT)

4. For Fishery SectorEntrefish for Fishing Community for Entrepreneurial FishingEntrepreneurship and Business Management Training for Multi-Day Boat owners

5. For AgricultureTraining for Agricultural producers

145 146

Gamini B. Herath

President, CEFE Net Sri Lanka

33/1, THimbirigasyaya Rd, Colombo 5

4527521, 2681375

2681376

@ [email protected]

cefenetsrilanka.com


20. IDB – Industrial DevelopmentServices – Ministry of Industry &Commerce

Encouragement, Promotion and Development of Small &Medium Industries in Sri Lanka

IDB carryout following activities for encouragement, promotion anddevelopment of Small and Medium Industries in Sri Lanka

Workshops, workshop facilities & Training programmes

Technical services, Technology transfer & Technical training

Foundry services

Valuation of Machinery

Non- destructive testing service

Valuation of Machinery


Provision of consultancy and Valuation of Machinery


Provision of consultancy and Technical advisory (Rubber sector)

Quality assurance and testing (Rubber)

Products and process development

Provide incubator facilities for leather products

Skilled labour for leather product sector

Library

A. M. Y. J. Mannapperuma / Jayathilaka / WimalasooriyaDirector General (Acting) / Director-Planning / Director-RegionalDevelopment615, Galle Road, Katubedda, Moratuwa011 260 5323 , 011 260 5326-7011 260 7002

@ [email protected]

21. ITI - Industrial Technology

Institute

Technical Services

The Industrial Technology Institute (ITI) is statutory which came into existenceon 01st April 1998 by virtue of the Science and Technology Act No. 11 of 1944.ITI is the successor to the Ceylon Institute of Scientific and Industrial Reserach(CISIR), which was established in 1955. ITI operates as a market - drivenpartner to its clients and stakeholders and is a wholly owned Institute of the SriLankan Government, functioning under the purview of the Ministry of Technologyand Research.

The objects and functions of the Institute are to support Industry by undertakingon contract, testing investigation and research for improving product quality,technical process and methods used in industry and discovering new processesand methods to be used in industry. ITI also undertakes project based technicalconsultancy assignments and engages in activities connected with technologytransfers, adaptation of technologies, development of new technologies andundertakes training of persons in areas related to the technological experiencestransferred to Industry.

The Technological processes are developed in the areas of Materials Technology,Environment Management Technology, Food Technology, Herbal Technologyand Biotechnology.

For your technological needs and/or further details please email [email protected]

147 148

Dr. A.M. MubarakDirector, CEO,ITI, 363, Baudhaloka Mawatha, Colombo 7011 23798000112 379850

@www.iti.lk


22. Ministry of Fisheries and Aquatic ResourcesDevelopment National AquacultureDevelopment Authority of Sri Lanka

The functions of the NAQDATo develop aquaculture, aquaculture operations and culture-based fishriesin perennial reservoirs and seasonal reservoirs, with a view to increasingfish production and fish consumption in the country

To promote the creation of employment opportunities through thedevelopment of freshwater aquaculture, brackish water aquaculture, coastalaquaculture and mariculture.

To promote the farming of high valued fish species including ornamentalfish for export.

To promote the optimum utilization of aquatic resources throughenvironmental friendly aquaculture programs.

To promote, facilitate and develop small, medium & large scale privatesector investment in aquaculture.

To manage, conserve and develop, having regard to the need to biodiversity,aquaculture, aquatic resources use for aquaculture and aquacultureoperations and culture-based fisheries in perennial reserviors and seasonalreservoirs.

To assist persons carrying on business as an importer, exporter, seller,distributor and supplier of aquatic resources and engaged in aquacultureand the development of aquatic resources as an importer, exporters,supplier, distributor and seller of auqatic resources.

To prepare and implement plans and programs for the management,conservations & development of auqaculture and aquaculture operationsand culture-fisheries in perennial reservoirs and seasonal reservoirs.

- -

Director General / Deputy General Manager

National Aquaculture Development Authority of Sri Lanka.

No. 41/1, New Parliament Road, Pelawatta, Battaramulla.

011 2786495 / 011 2786577

011 2786493@ [email protected]

www.naqda.gov.lk

23. Vidatha Programme – Ministry ofTechnology & Research

Technology Transfer Services

Empowering the communities, enabling them to productively make use ofnatural resources available in various areas in Sri Lanka, to create newproducts.

Directing the community towards new innovations & technological products,by blending the traditional technologies with the modern technologies.

Providing appropriate technological knowledge and backup necessary forthis purpose.

Directing the Scientific & Technological research institutes to focus onfulfilling the technology requirements of communities.

Intervening in providing the newly created entrepreneurs who are equippedwith knowledge & training, with loan facilities from Banks.

Contributing towards the creation of an efficient community by creatingan interest for modern technological methods such as the use of computersamong the rural communities.

Identifying new technologists and innovators created at village levels andincluding them in the national development process.

N.A. Atukorala

Additional Secretary –Development

Ministry of Science & Technology N0.408, Galle Road, Colombo 03

011 237 2289

011 237 4707

@ [email protected]

www.most.gov.lk

149 150


24. Ministry of Fisheries & AquaticResources

National Aquatic Resources Development Authority(NAQDA)

Development Services

Development & Management activities for fresh water fish and inlandfisheries

New employment opportunities through inland fisheries development

Supporting activities for export the owner mental fish in Sri Lanka.

Awareness to update the SMEs inland fisheries to develop the industry

National Aquatic Resources Development Authority, No. 758,Besline Road, Colombo 07

011 267 5316

@

www.naqda.gov.lk

25. Ministry of Environment

Geological Survey & Mines Bureau

Geological Survey & Mines Bureaus (GSMB)

Issuing of licenses for Mining, Trading, and Transportation of minerals.

Optimize the production of quarry materials

Train the blasters of small and medium scale Quarries.

Central Environmental Authority (CEA)

Recommendations for all proposed new industrial sites

Screening of new industrial sites to eliminate environmental problems forboth industrialists and the public

Issue Environmental Protection License (EPL)

Department of Wildlife Conservation

Convention on International Trade in Endangered Species of Wild Faunaand Flora (CITES) in Sri Lanka

Issue of Fisheries Licenses in reservoirs and tanks situated around protectedareas under the Department of Wildlife

Develop small scale enterprises through CBO’s according to priorities ofsocio-economic problems point of view

Forest Department

Licensing of timber based industries, awareness activities on forestpreservation

No. 82, “Sampathpaya” , Rajamalwatta Road, Battaramulla

011 288 2112-3

011 287 7292

@

www.gsmb.gov.lk

151 152


26. Ministry of AgricultureServices for Agri Entrepreneurs

Ministry of Agricultural Development & Agrarian service provides TechnicalAssistance and guidance to entrepreneurs who are in Agricultural sector toinitiate Agricultural industry in Sri Lanka.

Api - wawamu Rata Nagamu Programme

One crop - one village programme

Crop Forecasting

Promotion of production and use of organic fertilizer

Implementation of National Organic Standards

Grant assistance to underprivileged farmers

Micro Irrigation Development programme & Rain water harvestingprogramme

Implementation of tree felling act

Implementation of soil conservation act

Sustainable Agricultural Water Management Project

Popularization of plastic crates

Promotion of Agro-Enterprises

D. B. T. Wijeratne

Director (Enterprise Development)

Ministry of Agricultural Development & Agrarian services, 80/5,Rajamalwatta Rd, Battaramulla

011 288 7431

011 288 7431

@ [email protected]

www.mimrd..gov.lk

27. SLEDB – Sri Lanka ExportDevelopment Board

Export development programmes for small & medium enterprises (SMEs)to increase the awareness of the export potential and encourage and assist SMEs to export

Providing up to date information on markets, products, tariffs, regulations,international commodity prices, national / international trade statistics

- On-line access, Trade publications, Audio visual support material

Build up ICTs & Human Resource

Implementation of supply development programmes for exporters /potential exporters

Assist the improvement of the macro and economic environment bydevelopment of exports and by making policy recommendations

Formulating and implementing the National Export Development Plan andsectoral development plans

Providing exporters with a viable overseas market

Assisting the exporters to achieve trade efficiency by helping them resolvetheir problems, constraints in association with related agencies.

Janaka Rathnayake - Chairman/ CERekha Hewaliyanage - Director-SME DivisionDammika Jayawardena - Director-SME DivisionP. C. Jayathilaka - Assistant Director-SME Division

P. O. Box. 1872, Level 5-6,42, DHPL Building, Navam Mawatha,Colombo 02

011 230 0712 , 011 230 0701

011 230 0715


www.ebd.tradenetsl.lk

153 154


28. SLECIC – Sri Lanka Export CreditInsurance Corporation

Export Performance Guarantees

EXPORT PERFORMANCE GUARANTEES offered by SLECIC to banks and otherfinancial institutions are designed to reduce the risk of losses to the banks/financial institutions when providing non-finance services, so as to continueand expand their export business.

Export Performance Guarantees covering bid bonds / performance bonds

These are counter-guarantees issued to banks / financial institutions and otherfinancial institutions covering due performance by exporters when banks /financial institutions are called upon to provide Export Performance Guaranteescovering due performance of export contracts viz. construction work, export ofgoods and services etc.

Export Performance Guarantees covering ATA Carnet SystemThese Guarantees are issued to International Chamber of Commerce – SriLanka for exports to obtain ATA carnet documents from ICC – Sri Lanka. ATACarnet is an international customs document that permits duty free temporaryimport of goods. (e.g. gems & jewelery) abroad for a specific purpose such astrade fairs, exhibitions or as trade staples

Mohan Silva

Assistant General Manager (Marketing)

Marketing Department ,SLESIC ,Level 4, DHPL Towers, 42,Navam Mawatha, Colombo 02.

011 488 3561-64 , 011 230 7519-23 , 011 230 7578

011 537 2373 , 011 230 7602


www.slecic.lk

Duminda Ariyasinghe

Executive Director (Investment Promotion)

Level 26, West Tower, World Trade Center, Colombo 01.

011 242 7032

011 242 2407

@ [email protected]

www.boi.lk

29. BOI – Board of Investments -Sri Lanka

Incentives for Investment Projects

Manufacture of non-traditional goods for export including deemed exports.

Export-oriented services.

Manufacture of industrial Tools, Equipment Components and /or Machinery.

Small scale Infrastructure Projects.

Information Technology(IT) and/or IT enable services(inclusive 15technically qualified persons)

BPO Industry

Training Industries

Regional Operating Head Quarters

Any Industry or any other business activity of advanced technology/pioneering nature as approved by the Board.

Research and Development

Agriculture and / or Agro – Processing

Export Training House (ETH)

155 156


30. SLSI– Sri Lanka StandardsInstitution

Standardization and Certification

Formulation of Sri Lanka Standards Specifications for Products andServices

Standardization & Quality related Information through Library

Training on Quality Management

Product Testing

Calibration of Measuring Instruments

SLS mark Product Certification Scheme

Energy Efficiency Labeling for Electrical Appliances

Systems Certification

Pre-export Inspection of products

Krishanthi Hendawitharana

Actg Director (Marketing & Promotion)

No 17,Victoria Place, Elvitigala Mw,Colombo 08

011 267 1567-72 Ext 320

011 269 4981

@ [email protected]

www.slsi.lk

31. Inventors Commission

Promotion and Encouragement of Innovativeness

SLIC is responsible for promotion and encouragement of innovativeness amongSri Lankans by providing Technical, Financial and Legal assistance.

Setting up of Inventors circles in school system.

Conducting Awareness seminars and workshops.

District Exhibition on students and teachers Inventions and Innovations

Participation inventors of International Exhibitions on inventions

Local inventor’s promotional publicity programme

Development of inventions up to finished product level Setting up of villageInventors Circle.

Manage national Invention Centre

Promote ‘Made in Sri Lanka’

Utilize “Rebuilding the Nation through Inventions” programme

Prof. Mahinda Pathegama

The commissioner

SLIC, Ground Floor, 46/56, Lanlib Building, Nawam Mawatha,Colombo 2.

011-2394952

011-2437354 (Gen.)

@ [email protected]

www.slic.gov.lk

157 158


32. Ministry of Industry & Commerce

Establishing 300 new industries by starting at least oneindustry in Each Divisional Secretary Division

Purpose : Facilitating local industrialists who are to invest in regional level

To whom : Medium & Large scale industries

Conditions:

Should be located in any area out side Colombo & Gampaha administrativedistricts

Not formed by the splitting up or reconstruction or acquisition of anyundertaking which was previously in existence.

The sum invested in plant, machinery, furniture & building (expect land)prior to 01st April 2010 should not less than of Rs. 30 mn.

Minimum employment generation on 01st April 2010 should be 200 andmaintained at the level for year of assessment (for Information Technology,Printing on paper or the manufacture of any packaging materials minimumemployment is only 50)

BenefitsExemption of Import Duty and VAT on import of new plan and machinery.Income Tax exemption for 05-10 years depending on the investment andthe location of the project.

Minimum Requirements: Same as Conditions A-D

Public Relation Officer

Ministry of Industry and CommerceNo. 73/1, Galle Road, Colombo 03, Sri Lanka

011 243 5105

011 244 9402

@

www.industry.gov.lk

Lakshman Wijeyawardena

Director

National Enterprise Development Authority, Level 2, West wing,Ceylinco House, Janadhipathi Mawathe, Colombo 01

011 243 9843

011 243 7400


www.neda.lk

33. NEDA – National EnterpriseDevelopment Authority

Facilitate & Support SMEs in Sri Lanka

Formulate and support for Enterprise development policies.

Co-ordination between decision markers and entrepreneurs from low levelto upper level.

Co-ordination between regional level enterprise forum to district EnterpriseForum to direct the issues to higher Administration, of the Authority.

Comprehensive Website as Enterprise Gateway.

Data base for business development Services and business information.

Identify the competitive business and direct the entrepreneurs for businessopportunities.

Identification and Development of Geographical Clusters.

Identification of market opportunities and direct the entrepreneurs to thepotential market.

Introduction to trade fairs to upgrade the enterprise and services.

Productivity improvement programmes, Management, Technological andEnergy Services for the Enterprise.

159 160


34. Department of Census & Statistics

Census & Statistics - Collection, compilation,analysis & dissemination of all statistical data

DCS has 18 Head Office divisions, 54 Branch officers in different Ministries,Departments and Statutory bodies.

Main subjects / functions

DCS is to collect, compile and disseminate relevant, reliable and up-to-datestatistical information. (Doing surveys in every ten year)

Census survey 2010

Industrial survey 2013

H. D. E. Somarathne - Director - Industry, Construction,Trade & Service Division

D. C. A. Gunawardena - Director - Price & Wages Division

No.104A, Kitulwatta Road, Colombo 8

011 267 6194

011 267 6198

@

www.statistics.gov.lk

Colombo (Colombo Urban Area, Nugegoda, Rajagiriya, Thibirigasyaya,Kotte, Rathmalana, Mount Lavinia, Dehiwala)Provincial Department of Registration of Companies,167, 1/1, Union Place, Colombo 02

Other Areas – Relevant Divisional Secretariat Office

Colombo - 011 244 0187Other Areas - 1919 – Government Information Centre

@

www.gov.lk

35. Divisional Secretariat Office

Business Registration Service

Eligibility: A business established by an individual or a firm within the limitsof a Particular Divisional Secretariat area.

Obtain Application from Business Registration Section of DivisionalSecretary’s Office

Submit the completed Application Form along with the relevant documents.Business Registration Section, Divisional Secretary’s Office

Divisional Secretary’s office forwards the application for the recommendationof Grama Niladari

After the recommendation of Grama Niladari, if required, field inspectioncarried out by the Development Officer of Divisional Secretary’s office.

Approval – Divisional Secretary.After the payment of fee to the Shroff, Administrative Officer signs theCertificate of Business Registration.Applicant obtains the Certificate of Business Registration.

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SMEGuideBook English

Documents

strictly excluding

gunawardena

foster industrial

resource management

lalith liyanage

wayamba regional

tisserra senior

working capital