බැංකු අරමුදල් යටතේ ලබාදෙන ණය යෝජනා ක්රම
| Feature |
Athamaru Loan |
| Purpose | Working capital requirement of whole sale & retail business. |
| Loan Amount | Depend on the business capacity. |
| Loan Securities | Personal guarantors / Movable assets / Immovable assets |
| Repayment Period | Up to Rs. 500,000 maximum repayment period 2 Years. Over Rs. 500,000 maximum repayment period 3 Years |
| Interest Rate | 20% |
| Area of Operation | All island |
| Eligibility | 1) Be a citizen of Sri Lanka. 2) Should not be a willful defaulter. 3) Door to Door Customers only. 4) Have the effective repayment capacity. |
| Feature |
Commercial Loan |
| Purpose | Promote whole sale & retail business. |
| Loan Amount | Depend on the business capacity. |
| Loan Securities | Personal guarantors / Movable assets / Immovable assets |
| Repayment Period | maximum repayment period 7 Years |
| Interest Rate |
|
| Area of Operation | All island |
| Eligibility | 1) Be a citizen of Sri Lanka. 2) Should not be a willful defaulter. 3) Have the effective repayment capacity. |
| Feature |
DAIRY DEVELOPMENT LOAN |
| Purpose | Dairy products development. |
| Loan Amount | Depend on the project. |
| Loan Securities | Personal guarantors / Movable assets / Immovable assets |
| Repayment Period | maximum repayment period 7 Years |
| Interest Rate |
|
| Area of Operation | All island |
| Eligibility | 1) Be a citizen of Sri Lanka. 2) Should not be a willful defaulter. 3) Have the effective repayment capacity. |
| Feature |
FISHERY INDUSTRY DEVELOPMENT LOAN |
| Purpose | Inland , Sea, Ornamental fishery development . |
| Loan Amount | Depend on the project. |
| Loan Securities | Personal guarantors / Movable assets / Immovable assets |
| Repayment Period | maximum repayment period 7 Years |
| Interest Rate |
|
| Area of Operation | All island |
| Eligibility | 1) Be a citizen of Sri Lanka. 2) Should not be a willful defaulter. 3) Have the effective repayment capacity. |
| Feature |
INDUSTRIAL DEVELOPMENT LOAN |
| Purpose | Promote MSMEs . |
| Loan Amount | Depend on the project. |
| Loan Securities | Personal guarantors / Movable assets / Immovable assets |
| Repayment Period | maximum repayment period 7 Years |
| Interest Rate |
|
| Area of Operation | All island |
| Eligibility | 1) Be a citizen of Sri Lanka. 2) Should not be a willful defaulter. 3) Have the effective repayment capacity. |
| Feature |
AGRICULTURE LOAN |
| Purpose | Agriculture development. |
| Loan Amount | Depend on the project. |
| Loan Securities | Personal guarantors / Movable assets / Immovable assets |
| Repayment Period | maximum repayment period 5 Years |
| Interest Rate |
|
| Area of Operation | All island |
| Eligibility | 1) Be a citizen of Sri Lanka. 2) Should not be a willful defaulter. 3) Have the effective repayment capacity. |
| Feature |
Ranketha Govipola Upakarana LOAN |
| Purpose | Purchase agriculture equipment. |
| Loan Amount | Depend on the project. |
| Loan Securities | Personal guarantors / Movable assets / Immovable assets |
| Repayment Period | maximum repayment period 5 Years |
| Interest Rate |
|
| Area of Operation | All island |
| Eligibility | 1) Be a citizen of Sri Lanka. 2) Should not be a willful defaulter. 3) Have the effective repayment capacity. 4) Be able to make a minimum equity contribution of 30% out of the project cost. |
| Feature |
TOURISM DEVELOPMENT LOAN |
| Purpose | Develop tourist industry . |
| Loan Amount | Depend on the project. |
| Loan Securities | Personal guarantors / Movable assets / Immovable assets |
| Repayment Period | maximum repayment period 7 Years |
| Interest Rate |
|
| Area of Operation | All island |
| Eligibility | 1) Be a citizen of Sri Lanka. 2) Should not be a willful defaulter. 3) Have the effective repayment capacity. |
| Feature |
TRANSPORT DEVELOPMENT LOAN |
| Purpose | Develop transport industry . |
| Loan Amount | Depend on the project. |
| Loan Securities | Personal guarantors / Movable assets / Immovable assets |
| Repayment Period | maximum repayment period 7 Years |
| Interest Rate |
|
| Area of Operation | All island |
| Eligibility | 1) Be a citizen of Sri Lanka. 2) Should not be a willful defaulter. 3) Have the effective repayment capacity. |
පොලී සහනාධාර ණය යෝජනා ක්රම
| Feature |
NCRCS |
| Purpose | 1) Promote paddy cultivation & seasonal crops. 2) Category 02. Promote tourism related small scale home stay owners. |
| Loan Amount | Depend on extend of land and the crop. |
| Loan Securities | Personal guarantors |
| Repayment Period | 270 days. |
| Interest Rate | 8% |
| Area of Operation | All island |
| Eligibility | 1) Be a citizen of Sri Lanka 2) Should not be a willful defaulter 3) Should have an effective repayment capacity |
ප්රතිමූල්ය ණය යෝජනා ක්රම
| Feature |
SMELoC Loan |
| Purpose | Promote MSMEs in country. |
| Loan Amount | Maximum loan amount Rs. 50Mn |
| Loan Securities | Personal guarantors/ Movable assets / Immovable Assets |
| Repayment Period | 1) Capital investment repayment period 6 years and 6 months (Including 24 months grace period). 2) Working capital 2 Years. |
| Interest Rate | 10.00% |
| Area of Operation | All island |
| Eligibility | 1) Be a citizen of Sri Lanka 2) Should not be a willful defaulter 3) Be able to make a minimum equity contribution of 25 % out of the project cost 4) Have the effective repayment capacity |
| Feature |
SEPI PHASE II |
| Purpose | Promote self-employment. |
| Loan Amount | Maximum loan amount Rs. 1,000,000.00 |
| Loan Securities | Personal guarantors |
| Repayment Period | Maximum repayment period 5 Years including 6 months grace period. |
| Interest Rate | 7% |
| Area of Operation | All island |
| Eligibility | 1) Be a citizen of Sri Lanka 2) Applicant should have ED & NVQ level certificate. 3) Should not be a willful defaulter 4) Have the effective repayment capacity |
| Feature |
SMILE III-RF |
| Purpose | Promote MSMEs. |
| Loan Amount | Maximum loan amount 15Mn. |
| Loan Securities | Personal guarantors/ Movable assets / Immovable Assets |
| Repayment Period | Maximum repayment period 10 Years including 24 months grace period. |
| Interest Rate | 8% |
| Area of Operation | All island |
| Eligibility | 1) Be a citizen of Sri Lanka 2) Should not be a willful defaulter 3) Be able to make a minimum equity contribution of 25 % out of the project cost 4) Have the effective repayment capacity |
| Feature |
PAMP RF Loan |
| Purpose | Promote self-employments. |
| Loan Amount | Maximum loan amount 50,000. |
| Loan Securities | Personal guarantors |
| Repayment Period | maximum repayment period 3 Years |
| Interest Rate | 12% |
| Area of Operation | Kagalle, Kurunegala, Nuwara Eliya, Mathale, Mathara, Hambanthota, Kaluthara, Gampaha, Colombo, Galle & Kandy district. |
| Eligibility | 1) Be a citizen of Sri Lanka 2) Should not be a willful defaulter 3) Have the effective repayment capacity |
| Feature |
KAPRUKA AYOJANA |
| Purpose | Promote coconut cultivation, secondary crop & animal husbandry. |
| Loan Amount | Maximum loan amount 3Mn. |
| Loan Securities | Personal guarantors/ Movable assets / Immovable Assets |
| Repayment Period | Maximum repayment period 5 Years including 12 months grace period. |
| Interest Rate | 8% |
| Area of Operation | All island |
| Eligibility | 1) Be a citizen of Sri Lanka 2) Should not be a willful defaulter 3) Recommendation from coconut cultivation board. 4) Be able to make a minimum equity contribution of 15 % out of the project cost 5) Have the effective repayment capacity |
| Feature | KAPRUKA JAYA ISURA |
| Purpose | Promote coconut allied product & traditional coconut oil production. |
| Loan Amount | Maximum loan amount Rs. 2. Mn. |
| Loan Securities | Personal guarantors/ Movable assets / Immovable Assets |
| Repayment Period | 1) Capital Investment 7 Years. 2) Working capital 3 Years. |
| Interest Rate | 1) Investment purpose 6% 2) Working capital purpose 8% |
| Area of Operation | All island |
| Eligibility | 1) Be a citizen of Sri Lanka 2) Should not be a willful defaulter 3) Recommendation from coconut development authority. 4) Have the effective repayment capacity |
| Feature |
E – Friend |
| Purpose | • Improve environmental friendly product and Improve waste management process of the industries. |
| Loan Amount | Category 01 – Maximum loan amount Rs. 30,000,000/- Category 02 – Maximum loan amount Rs. 1,000,000/- |
| Loan Securities | • Personal guarantors |
| Repayment Period | Category 01 – maximum repayment period 10 Years Category 02 – maximum repayment period 5Years |
| Interest Rate | Category 01 – 6.5% Category 02 – 2% |
| Area of Operation | • Island wide |
| Eligibility | 1) Be a citizen of Sri Lanka 2) Should not be a willful defaulter 3) SED Recommendation 4) Have the effective repayment capacity |
| Feature |
KRUSHI SHAKTHI |
| Purpose | Promote agriculture & agribusiness. |
| Loan Amount | Maximum loan amount Rs. 500,000.00 |
| Loan Securities | Personal guarantors / Movable property / Immovable property |
| Repayment Period | Maximum repayment period 5 Years. |
| Interest Rate | Category 1 – 6.00%
Category 2 – 6.00% |
| Area of Operation | Island wide |
| Eligibility | 1) Be a citizen of Sri Lanka 2) Should not be a willful defaulter 3) Have the effective repayment capacity |
| Feature |
MAHAWELI SAVIYA |
| Purpose | Promote agriculture, small industries & services in Mahaweli areas. |
| Loan Amount | Maximum loan amount Rs. 200,000/- |
| Loan Securities | Personal guarantors |
| Repayment Period | Maximum repayment period 3 Years including 6 month grace period. |
| Interest Rate | 7% |
| Area of Operation | Sabaragamuwa, Southern, North central, Uva, North western & Central provinces. |
| Eligibility | 1) Be a citizen of Sri Lanka 2) Should not be a willful defaulter 3) Have the effective repayment capacity |
| Feature |
MORAGAHAKANDA |
| Purpose | Promote agriculture, small industries & services in Mathale & Polonnaruwa district. |
| Loan Amount | Maximum loan amount Rs.300,000/- |
| Loan Securities | Personal guarantors |
| Repayment Period | maximum repayment period 3 Years including 6 month grace period. |
| Interest Rate | 7% |
| Area of Operation | Central province. |
| Eligibility | 1) Be a citizen of Sri Lanka 2) Should not be a willful defaulter 3) Have the effective repayment capacity |
* කොන්දේසි අදාළ වේ.
(මෙම පහසුකමෙහි කිසියම් කොන්දේසියක්, වාරයක් හෝ ප්රකාශයක් වෙනස් කිරීමට, එකතු කිරීමට හෝ සංශෝධනය කිරීමට RDB බැංකුවට බලය ඇත.)
බලපැවැත්වෙන දිනය 02.05.2024 සිට | අවසන් යාවත්කාලීන කිරීම :- 02.05.2024 – පෙර. ව. 10.00
වැඩි විස්තර සඳහා කරුණාකර ඔබේ ළඟම ඇති RDB ශාඛාවේ කළමනාකරු හෝ ඇමතුම් මධ්යස්ථානය අමතන්න: 011 2 42 52 62
ප්රධාන කළමනාකරු (ණය)
5 වන මහල,
ප්රාදේශීය සංවර්ධන බැංකුව,
ප්රධාන කාර්යාලය,
අංක 933, නුවර පාර, වෙදමුල්ල,
කැලණිය (11000), ශ්රී ලංකාව.
දුරකථන: 011 203 5454
ෆැක්ස්: 011 2906875
ණය කැල්කියුලේටරය
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