Personal Loans

A personal loan can be obtained from a Bank which can be repaid with a fixed or variable Indicative Rate over a period of time. Usually personal loan repayments can go up to a maximum of 5 Years. The borrower could use the funds for personal use such as weddings, vacations, education, emergencies, travel and etc...


Bank Selection
Best Used For
DFCC Garusaru Personal Loan
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 15 Years LKR 5,000,000

Features
A special Personal Loan scheme dedicated for government pensioners.
The Garusaru Loan could be obtained for a maximum period of 15 years subject to loan is repaid in full on or before the applicant reaching 75 years of age.
Minimum Loan Amount – LKR 100,000
Gold Loans Pawning
Indicative Rate (P.A) Tenure Max. Loan
13.50% Contact Bank Contact Bank

Features
Option of obtaining cash (Gold Loans Pawning) or overdraft (Gold Overdraft). / Low rate of interest. / Maximum privacy.
Highest value for your Gold jewellery. / Pawning Gold Loan for a period of one year. / No stamp duty or other charges.
Monthly repayments are not required. You can settle the loan in full with interest at the end of the loan period.
Ability to make partial payments if desired. In such instances interest will be charged on the outstanding balance only.
Early settlement of Gold Loan is possible. / Minimum documentation. / No guarantors.
Specially designed cubical for maximum privacy. / Jewellery will receive maximum security.
Sampath Study Smart Educational Loane
Indicative Rate (P.A) Tenure Max. Loan
16.00% Up to 8 Years LKR 10,000,000

Features
Minimum Loan Amount - Rs. 250,000/-
Repayment Period - 8 Years (Grace Period - 3 Years)
Purposes - For courses of study offered by Local and Overseas Educational Institutes recognized by University Grants Commission/Ministry of Higher Education
For more information contact your nearest branch
SDB Upahara
Indicative Rate (P.A) Tenure Max. Loan
Up to 18.00% Up to 10 Years LKR 4,000,000

Features
Especially designed for retired Government servants and pensioners of the Ceylon Electricity Board (CEB), the Upahara loan scheme empowers Sri Lankan senior citizens to continue in their pursuit of happiness and fulfillment during their post-retirement life, while also contributing to the national economy
Loans up to Rs. 4 million
Repayment period up to 10 years, and 75 years of age
Lowest insurance charge
Automatic loan protection cover for all applicants
Assistance in swift transfer of pension salaries
Swabhimana Personal Loan
Indicative Rate (P.A) Tenure Max. Loan
19.95% Up to 12 Years LKR 6,000,000

Features
Personal loans from Rs. 100,000 up to Rs. 6.0Mn
Flexibility in choosing the repayment period of up to 12 years or retirement age
Repayment in equal monthly installments
Loan applicant and guarantors’ monthly salaries shall be directly remitted to Pan Asia Bank branch where the loan was obtained
Special loan-Government Medical Officers
Indicative Rate (P.A) Tenure Max. Loan
16.00% Up to 7 Years LKR 7,500,000

Features
Period of Repayment - Maximum of 7 years (For consultants repayment until 65 years, For Medical Officers repayment up to 60 years)
The internet banking facility - Sampath Vishwa, is issued free of charge for the 1st year.
Seylan Pensioner Loan
Indicative Rate (P.A) Tenure Max. Loan
Up to 15.50% Up to 10 Years LKR 5,000,000

Features
Loan for any purpose
Maximum loan amount LKR 5,000,000/-
Convenient Banking with –Island wide Branch Network , ATM network, Cash Deposit Machines & 365 day Banking
Easy – access Banking- Internet Banking/ SMS Alert/ Mobile Banking
Repayment period up to 10Years, subject to full settlement prior to reaching 75th birthday.
Existing pension loan client could apply for a subsequent loan after completion of 12 calendar months from the date of obtaining the last pension loan.
Ran Aththama
Indicative Rate (P.A) Tenure Max. Loan
16.00% Up to 12 months Contact Bank

Features
Can renew pawning facility by paying interest at any branch
Assess the value of your gold by using advanced technology, to safeguard your jewellery
Specially trained staff to cater to your needs
Detailed report of your payments and settlements on request
Free insurance cover for your valuables
Professional Loan Scheme
Indicative Rate (P.A) Tenure Max. Loan
30.00% Up to 10 Years Contact Bank

Features
Securities: Up to 8Mn Personal Guarantors, Above 8Mn Property Mortgage
We are geared to encourage aspiring professionals of the nation as they follow their vision in life
Competitive interest rates to suit your repayment capacity
Great offers and benefits
Seylan Scholar
Indicative Rate (P.A) Tenure Max. Loan
Up to 21.00% Up to 7 Years LKR 10,000,000

Features
Loans granted up to 10 Mn and minimum amount will be Rs. 100,000/-
Repayment period up to 7 years.
Joint Loans available with Parents / Spouse.
Can borrow from the Islandwide branch network spanning to 156 locations.
Local education such as CIMA, CIM, SLIM, IPM, AAT, Fashion Degrees & MBA.
Overseas education – Parents who want to educate their children and professionals who want to pursue foreign degrees will be with course fees, living expenses and accommodation.
Pension Advance
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 10 Years LKR 5,000,000

Features
Apply just one time and use the facility whenever you need it.
An advance of Up to 75% of the monthly pension.
Withdraw funds from ATMs across the country through your Debit Card.
You can also apply for a Personal Loan up to 5Mn with a repayment period of up to 10 years subject to full settlement of the loan prior to reaching 75 years of age.
Education Loans
Indicative Rate (P.A) Tenure Max. Loan
Up to 14.00% Up to 5 Years LKR 5,000,000

Features
You can draw funds when you require to pay your fees.
Ability to repay the loan capital after completing the course.
Loans facilities for both local and foreign education.
Extremely competitive low interest rates.| Adequate funding for your need.| Quick loan approval.
Loans available for both local and foreign education.
According to fee structure, disbursed loan amount will be directed to educational institution.
Personal Loans
Indicative Rate (P.A) Tenure Max. Loan
Up to 16.00% Up to 5 Years LKR 5,000,000

Features
Top up facility - You can apply for a renewal of your loan, after repaying a part of the original loan obtained by you.
Ability to apply via ComBank Digital - If you are already registered for our ComBank Digital online banking facility, now you can apply for Personal Loans online from where ever you are at a time convenient to you.
Your loan will be processed within a maximum of three working days, after submitting the loan application with all required documents.
You can talk to our loan officers for advice and guidance at any time before and during the repayment period of your loan.
DFCC Green Loan
Indicative Rate (P.A) Tenure Max. Loan
15.00% Up to 6 Years LKR 30,000,000

Features
In order to support the industry’s continuity and growth in the current context, DFCC Bank has introduced a special green loan scheme for SLASSCOM member companies and employees of such companies to purchase Sustainable Power Generation Equipment.
Purchase of on-grid / off-grid Power Generation Systems which will be used for residential or commercial purposes
Cost of the equipment (Battery, inverter, solar panels, etc) and installation charges only could be considered for financing
Reimbursements will be considered for payments made within 3 months subject to proof of payment to the relevant vendor
Supplier should be currently registered with Sri Lanka Sustainable Energy Authority
Personal Loan
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 10 Years Contact Bank

Features
Top up facility - You can apply for a renewal of your Personal Loan, after repaying a part of the original Personal Loan obtained by you
You have a choice of fixed or floating interest rates. | Loan protection cover
Your loan will be processed within a maximum of three working days, after submitting the loan application with all required documents.
No guarantors required for professionals. | Easy and convenient application process
Repayment period up to 10 years (The maximum repayment period will depend on your age and remaining years of service.)
Maximum loan amount is flexible, depending on your disposable income, repayment capacity and requirements
NDB Aachara
Indicative Rate (P.A) Tenure Max. Loan
Up to 15.00% Up to 15 Years LKR 4,500,000

Features
Repayment period maximum up to 10 years under fixed rates and up to 15 years under variable rates subject to maximum age limit of 75 years
Life insurance coverage for the borrower in case of death of the borrower the loan will be settled in full by the insurer
No security requirement
Personal Loans
Indicative Rate (P.A) Tenure Max. Loan
16.00% to 21.25% Up to 7 Years LKR 7,500,000

Features
We grant Loans for up to 5 Years for salaried and up to 7 Years for professionals.
We offer you very attractive variable and fixed interest rates
Salaried employees can enjoy loans up to Rs.5.0Mn. and professionals can go up to Rs.7.5Mn
NSB Personal Loan - Individual / Group
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 7 Years Contact Bank

Features
Versatile and can be obtained individually or as a group/collectively.
Flexible with up to an 84 month repayment period.
Convenient with minimal paperwork.
Attractive interest rates.
special schemes, Employees of State Departments
Employees of State Authorities
Employees of Statutory Boards
Employees in Nationalized Services
Purchase of Solar Panels
Education Loans
Indicative Rate (P.A) Tenure Max. Loan
Up to 16.00% Up to 10 Years Contact Bank

Features
Attractive interest rates.
No security up to Rs. 5 Mn.
Loans up to 90% of the Course fee.
Loan Repayment up to 10 years including grace period.
Maximum grace period up to 5 years subject to the type of Educational Program.
After the grace period, rate will be changed as AWPLR + 3%.
The loan will be jointly granted with parent, a family member, caretaker or guardian.
Pahasu Loan Scheme
Indicative Rate (P.A) Tenure Max. Loan
30.00% to 32.00% Up to 10 Years LKR 3,000,000

Features
Securities: 3Mn Govt Sector, 2Mn Pvt sector Personal Guarantors
Keep things simple with our Pahasu loan scheme designed particularly for people with a steady monthly income.
We offer competitive interest rates
Great offers & benefits
PROFESSIONAL LOAN
Indicative Rate (P.A) Tenure Max. Loan
16.00% Up to 5 Years LKR 3,000,000

Features
Net income x 15 (up to a maximum of Rs.3 million)
Security: -
Salary should be remitted to the Bank.
Guarantors :-
Below Rs.0.5 million - no guarantors
Above Rs.0.5 million - guarantors or any other acceptable security
Repayment period of up to 60 months
Professionals' Loans
Indicative Rate (P.A) Tenure Max. Loan
Up to 16.00% Up to 5 Years LKR 8,000,000

Features
Top up facility - You can apply for a renewal of your loan, after repaying a part of the original loan obtained by you.
You have a choice of fixed or floating interest rates.
Ability to apply via ComBank Digital - If you are already registered for our ComBank Digital online banking facility, now you can apply for Professionals’ Loan online from where ever you are at a time convenient to you.
Your loan will be processed within a maximum of three working days, after submitting the loan application with all required documents.
You can talk to our loan officers for advice and guidance at any time before and during the repayment period of your loan.
Extremely competitive low interest rates. / Loans to fund any personal requirement you may have.
Easy and convenient application process. / Quick loan approval.
Wisdom Higher Education Loan
Indicative Rate (P.A) Tenure Max. Loan
27.00% to 29.00% Up to 7 Years Contact Bank

Features
Securities - Max 10Mn, Up to 2mn Personal Guarantors, Above 2mn Property Mortgage
We understand that ensuring quality higher education is one of the most important things we can do for our future generations.
We offer flexible and easy loan terms
Competitive interest rates
Deya Viru Pranama Loan Scheme
Indicative Rate (P.A) Tenure Max. Loan
30.00% to 32.00% Up to 10 Years Contact Bank

Features
Securities : 2Mn x 10yrs Property, 5Mn X 20yrs Property, 1Mn X 8yrs Guarantors
This loan scheme has been introduced to honor and appreciate those serving in the armed forces
We offer flexible and easy loan terms
Competitive interest rates to suit your repayment capacity
Solar Vantage Loans
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 5 Years LKR 4,500,000

Features
Quick and hassle free service
Flexible repayment tenure upto 5 years
Flexibility to make early and/or partial settlements for a nominal charge
The equipment is from a reputed and a Sri Lanka Sustainable Energy Authority (SLSEA) recommended supplier.
Free on-site feasibility studies and advisory services from the service providers
Financing from Rs. 500,000/- to Rs. 4,500,000/-
No security needed
Up to 75% of the total cost
Gurusetha Loan Scheme
Indicative Rate (P.A) Tenure Max. Loan
30.00% Up to 10 Years LKR 3,000,000

Features
Securities: Up to 3Mn Personal Guarantors, Above 3Mn Property Mortgage
Repayment period: Up to 10 years
We offer flexible loan terms to suit your needs
Competitive interest rates to suit your repayment capacity
Great offers and benefits
SDB Uththamachara
Indicative Rate (P.A) Tenure Max. Loan
Up to 18.00% Up to 10 Years LKR 9,000,000

Features
Loans up to Rs. 9 million
Repayment period up to 10 years OR
A loan can be obtained by disabled personnel, considering the fixed allowance that they are eligible after reaching the age of 55 years
Loan repayment period up to 75 years of age
Automatic loan protection cover for all applicants
Assistance to swift transfer of salary remittance.
DFCC Mehewara Personal Loan
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 10 Years Contact Bank

Features
A special Personal Loan scheme designed for the brave heroes of the Sri Lanka Army, Sri Lanka Air Force, Sri Lanka Navy and Special Task Force of Sri Lanka Police.
The “Mehewara” Personal Loan could be obtained for a maximum period of 10 years subject to one’s retirement age
Personal Loans
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 8 Years LKR 7,000,000

Features
Loans from Rs. 100,000 up to Rs. 7Mn
Freedom of applying jointly with your spouse or child
No guarantor, security, collateral or prior bank account relationship required
Speedy processing
Repay in equal monthly installments or on a reducing balance basis
Flexibility in choosing the repayment period up to 8 years
HDFC Educational Loan
Indicative Rate (P.A) Tenure Max. Loan
Up to 15.00% Up to 5 Years Contact Bank

Features
Competitive interest rates
Prompt processing
Repayment period - up to 05 years
Existing customers can obtain the loan over the property which has already been mortgaged
The Loan amount that can be obtained under Education loan 70% of property value based on the repayment capacity of applicant's, Guardian/Parent
NSB ECO
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 7 Years LKR 1,500,000

Features
Going green is the best way to protect the nature and our surrounding environment.
The lesser Grid electricity you consume the lesser your Carbon Footprint.
If you are conscious of the Carbon Footprint you leave, then NSB is ready to lend a hand with our Personal Loan for the Purchase of Solar Power Panels.
Parinatha Vishrama Loan
Indicative Rate (P.A) Tenure Max. Loan
30.00% Up to 15 Years Contact Bank

Features
Securities: Loan protection insurance policy
Ability to repay until 75 years of age
Loan approval in just one day
Minimum documentation and speedy service
GMOA / GDSA LOAN SCHEME
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 10 Years Contact Bank

Features
Securities: 15 Million Loan Protection Policy
Repayment period: Up to 10 years
Interest rate: Temporary Suspended
This is a specially formulated loan scheme for government medical officers
Competitive interest rates to suit your repayment capacity
Great offers and benefits
DFCC Ethera Saviya
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 3 Years. LKR 3,000,000

Features
A special loan scheme designed for the skilled employees who are seeking the foreign employment in countries like South Korea, Israel, Italy, Japan, Romania and countries of the Gulf Cooperation Council (GCC) to complete their pre-departure expenses and also business development purposes.
Vanitha Saviya Loans
Indicative Rate (P.A) Tenure Max. Loan
27.00% Up to 5 Years LKR 500,000

Features
For Investment Purposes – Rs.500,000 | For Working Capital Purposes – Rs.200,000 | For New Entrants – Rs.120,000
For Investment - Maximum 05 Years Including 03 months grace period.
For Working Capital – Maximum 02 Years without a grace period.
Education Financing
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 5 Years LKR 5,000,000

Features
Financing for course fees, registration fees and examination fees
Financing from Rs. 50,000/- to Rs. 5,000,000/-
Up to 5 years financing
Competitive installments
Flexible installment plans
Ability to apply jointly with parents