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
Personal Loan - Administrative Services
Indicative Rate (P.A) Tenure Max. Loan
22.50% Up to 5 Years LKR 7,000,000

Features
This loan scheme provides financial support to the Member of Sri lanka Administrative Service Association or Sri Lanka Educational Administrative Services Association for any personal needs, legally acceptable to the bank.
One Inter – Service Guarantor
Credit card on Clean Basis
HSBC Lifestyle Education Loan
Indicative Rate (P.A) Tenure Max. Loan
19.75% to 20.00% Up to 5 Years LKR 2,500,000

Features
No security or personal guarantors required / Loan amount up to a maximum of LKR2,500,000 / Application made jointly with the child (student)
Option of repaying the loan based on a reducing balance or an equal installment scheme
Flexibility to choose a repayment period of up to 5 years (60 installments)
Choice of both fixed and floating rate interest rate options
Freedom of making a joint application (spouse only) provided the joint applicant earns the minimum remuneration as specified below
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
Pension Advance
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 10 Years LKR 2,500,000

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 2.5Mn with a repayment period of up to 10 years. subject to full settlement of the loan prior to reaching 70 years of age.
Personal Loan – Veterinary Surgeons
Indicative Rate (P.A) Tenure Max. Loan
22.50% Up to 10 Years LKR 1,500,000

Features
This loan scheme provides financial support to the Member of State Veterinary Surgeons Association (SVSA) and the Veterinary Council of Sri Lanka (VCSL)
Can be applied up to Rs. 15.0 Mn and maximum loan amount based on the repayment capacity within 60% of gross salary. 50% of private practice income consider as other income.
SDB Athamaru
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank 3 Months LKR 1,000,000

Features
A short, three-month loan facility for a minimum loan amount of Rs. 50,000 and a maximum amount of Rs. 1 million
0% interest rate per annum
Account holders can obtain an advance loan amount of 90% of the total gold value
Ensured accuracy of gold weight and value with the latest equipment
Benchmarked services that guarantee speed, privacy and the highest level of confidentiality
Guaranteed security of collateral
Processing Fee 2.50% (per quarter)
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
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
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
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
Swabhimana Personal Loan
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank 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
Ran Aththama
Indicative Rate (P.A) Tenure Max. Loan
24.00% 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
Purchase Motor Bicycles
Indicative Rate (P.A) Tenure Max. Loan
22.50% Up to 4 Years LKR 3,000,00

Features
This loan scheme provides financial support to Government Departments / Corporations and Statutory bodies to purchase Bajaj, Honda, Hero Motor Cycles.
Up to a maximum of Rs.300, 000/- (Equated installment, maximum up to 48 months)
Personal Loans
Indicative Rate (P.A) Tenure Max. Loan
29.00% to 31.00% Up to 5 Years LKR 5,000,000

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.
Your loan will be processed within a maximum of three working days, after submitting the loan application with all required documents.
Enjoy fast, convenient and 24 x 7 unlimited access points to your account from anywhere in the world through Online Banking, Telephone & Mobile Banking or through the millions of ATMs belonging to Cirrus or Visa networks anytime and anywhere.
You can talk to our loan officers for advice and guidance at any time before and during the repayment period of your loan.
Ability to apply via Online Banking - If you are already registered for our Online Banking facility, now you can apply for Personal Loans online from where ever you are at a time convenient to you
Personal Loan - Air Force & Navy
Indicative Rate (P.A) Tenure Max. Loan
22.50% Up to 7 Years LKR 4,000,000

Features
This loan scheme provides financial assistance to the regular employees of the Sri Lanka Navy and the regular employees of the Sri Lanka Air Force for any personal need that the Bank may legally accept.
Senior Ranks Maximum up to Rs. 4,000,000/-
Other Ranks Maximum up to Rs. 1,000,000/-
Two personal guarantors in the same grade or above
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
Personal Loan
Indicative Rate (P.A) Tenure Max. Loan
Up to 20.00% 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
HSBC Lifestyle Travel Loan
Indicative Rate (P.A) Tenure Max. Loan
19.75% to 20.00% Up to 5 Years LKR 3,500,000

Features
No personal guarantors or down payments / Travel loan amount maximum of LKR3,500,000
Option of repaying the loan based on a reducing balance or an equal installment scheme
Flexibility to choose the repayment period of up to 5 years (60 instalments)
Choice of both fixed and floating rate interest rate options
Freedom of making a joint application (spouse only) provided the joint applicant earns the minimum remuneration as specified below
Vehicle Loan - Government Employees
Indicative Rate (P.A) Tenure Max. Loan
22.50% Up to 10 Years LKR 3,000,000

Features
This loan scheme provides financial support to Government and Provincial public sector employees to purchase Motor Vehicles.
Mortgage over motor vehicle / motor cycle / scooter
Personal guarantee of two officers of similar or higher grade
Assignment over comprehensive insurance policy
Personal Loan for Engineers
Indicative Rate (P.A) Tenure Max. Loan
22.50% Up to 10 Years LKR 7,000,000

Features
This loan scheme provides financial supporting to the members of IESL & IIESL in the corporate & Non – Corporate sector for any personal needs, legally acceptable to the bank.
Credit card on Clean basis
Corporate members – One personal Guarantee
Non - Corporate members – Two personal Guarantee
Education Loans
Indicative Rate (P.A) Tenure Max. Loan
25.00% to 31.00% Up to 7 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.
Gold Loans Pawning
Indicative Rate (P.A) Tenure Max. Loan
22.00% 1 Years 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.
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
Seylan Scholar
Indicative Rate (P.A) Tenure Max. Loan
Up to 28.00% 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.
HDFC Educational Loan
Indicative Rate (P.A) Tenure Max. Loan
27.00% 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
Nursing & Para medical staff
Indicative Rate (P.A) Tenure Max. Loan
22.50% Up to 7 Years LKR 2,000,000

Features
This loan scheme provides financial support to the confirmed nursing staff and allied grades in permanent services of Government Hospitals for any personal needs, legally acceptable to the bank.
Loan: Up to a maximum of Rs.2.0 Mn.
Credit card: Up to a maximum of Rs.1 lacks
One Inter-service guarantor
Credit card on Clean basis
HSBC Lifestyle Wedding Loan
Indicative Rate (P.A) Tenure Max. Loan
19.75% to 20.00% Up to 5 Years LKR 3,500,000

Features
No personal guarantors or down payments
Lifestyle Wedding Loan amount maximum of LKR3,500,000
Option of repaying the loan based on a reducing balance or an equal installment scheme
Flexibility to choose the repayment period of up to 5 years (60 instalments)
Choice of both fixed and floating rate interest rate options
Freedom of making a joint application (spouse only) provided the joint applicant earns the minimum remuneration as specified below
Professionals' Loans
Indicative Rate (P.A) Tenure Max. Loan
28.00% to 30.00% 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.
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
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
Maximum Loan Amount – LKR 5Mn
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
Personal Loans
Indicative Rate (P.A) Tenure Max. Loan
Up to 11.50% 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
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
SDB Upahara
Indicative Rate (P.A) Tenure Max. Loan
Up to 19.50% 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
Personal Loan for Accountants
Indicative Rate (P.A) Tenure Max. Loan
22.50% Up to 7 years LKR 15,000,000

Features
This loan scheme provides financial support to the Members of Sri Lanka Accountants Service Association.Loans granted for any personal need, legally acceptable to the bank
Can be applied up to Rs.15.0 Mn and maximum loan amount based on the repayment capacity within 60% of gross salary.
Ranmini Loan
Indicative Rate (P.A) Tenure Max. Loan
20.00% 4 Years LKR 500,000

Features
Up to 100% of the gold value assessed by SDB can be financed. Customers are given the option of contributing to the total invoiced amount
Maximum loan amount of Rs. 500,000/= and a minimum of Rs. 100,000/=
Customer should open an Investment Savings Account (ISA) with SDB with a minimum initial deposit of Rs. 500/=
Customer should agree to remit monthly salary / installment.
Repayment period up to 48 months
No guarantors required
Permanent service not considered
The item purchased will be lodged with bank until the full repayment of the loan
Seylan Pensioner Loan
Indicative Rate (P.A) Tenure Max. Loan
Up to 26.50% 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 70th 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.
SDB Uththamachara
Indicative Rate (P.A) Tenure Max. Loan
Up to 19.50% 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.
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
Nations Personal Loan
Indicative Rate (P.A) Tenure Max. Loan
Contact Bank Up to 5 Years LKR 5,000,000

Features
Get loans up to a maximum of Rs. 5 million.
You enjoy fixed and variable interest rates.
Repay at your own time, within 5 years.*
If you’re a salaried employee, there are no guarantors.
Are you a “Nations Salary Saver” customer? You get special interest rate concessions.
You can even apply jointly with your spouse.*
Your loan will be processed within 5 working days.*
Educationl Loan
Indicative Rate (P.A) Tenure Max. Loan
22.50% Up to 7 Years LKR 4,000,000

Features
BOC Educational loans provide the financial support you need to achieve your higher educational achievements at local or foreign universities
Option of paying only the interest until the degree is complete
Receive the maximum loan amount necessary for your requirements
Speedy service | No hidden costs
Personal Loan - University Staff
Indicative Rate (P.A) Tenure Max. Loan
22.50% Up to 7 Years LKR 5,000,000

Features
This loan scheme provides financial support to university staff (who are working the institutions which were approved by the UGC) for any personal needs, legally acceptable to the bank.
Academic staff: Up to a maximum of Rs.5 Mn.
Academic staff: Up to a maximum of Rs.05 Mn.
Personal guarantee of two officers of similar or higher grade
Self-Employed Individuals
Indicative Rate (P.A) Tenure Max. Loan
21.50% to 24.75% Up to 7 Years LKR 10,000,000

Features
We grant Loans for up to 5 Years and up to 7 Years for professionals.
We give you very attractive Interest Rates.
We are ready to grant you Loans from a minimum of Rs. 100,000, up to a maximum of 10,000,000.We offer up to 18 times your salary (subject to evaluation).
Personal Loans - Salaried Individuals
Indicative Rate (P.A) Tenure Max. Loan
21.50% to 24.75% Up to 7 Years LKR 10,000,000

Features
We grant Loans for up to 5 Years and up to 7 Years for professionals.
We give you very attractive Interest Rates.
We are ready to grant you Loans from a minimum of Rs. 100,000, up to a maximum of 10,000,000.We offer up to 18 times your salary (subject to evaluation).
NSB ECO
Indicative Rate (P.A) Tenure Max. Loan
25.00% 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.