SMEGuideBook English

Acknowledgements A guide towards a better business
How to use the SME Guide Book This SME Guide Book dedicate to SME managers and self employment in Sri Lanka. It was developed to introduce important information related to Small & Medium Enterprise Development in Sri Lanka and it will guide you to fulfill your business requirements from right place at right time. After the clarification of your business matter, the use of contents and contents by Institutional setup, you can find the information relevant to the business matter of you. If you want to get more information please be reach it by contact details. The document is written so, that entrepreneur need not read page to page, but can pick and choose which sections are relevant to their requirements. Edited by: NEDA National Enterprise Development Authority Level 2, West Wing, Cylinco Building, No-69, Janadhipathi Mawatha, Colombo 01. Tele/Fax: 11 2439843, 11 2437400 Web: www.neda.lk Thanks to all respective stakeholders involve in Small and Medium Enterprise Development including Ministry of Industry & Commerce for their collaboration and assistance to develop a guide book to benefit SME sector in Sri Lanka. Thanks to Chairman/DG Mr. M.S.S. Ameeer Ali Director and the staff of NEDA for their guidance and assistance. Special thanks for AJ Prints (Pvt) Ltd for the printing of 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 2011 National Enterprise Development Authority (NEDA)
ISBN978-955-0883-00-4
Message from Hon. Rishad Bathiudeen M.P. Ministry of Industry & Commerce National Enterprise Development Authority (NEDA) comes under the purview of the Ministry of Industry & Commerce and is one of the prime state institutions that render valuable services and guidance to the small and medium scale entrepreneurs. The majority of the enterprises in Sri Lanka are small and medium scale enterprises and their contribution to the development of national economy is significant. Our aim is to encourage and render assistance to the small and medium scale entrepreneurs. I am glad to note that NEDA has taken steps to publish the small and medium entrepreneurs Guide Book 2011 in all three languages, Sinhala, Tamil & English. The 2009 edition was published only in Sinhala and English. I hope that the Tamil Edition will be of great use for small and medium entrepreneurs and agriculturists in the Northern and Eastern Provinces. It is with great pleasure that I send this message.
Message from Hon. Jayaratne Herath M.P. Deputy Ministry of Industry & Commerce
In the objective of our government to make Sri Lanka the economic hub of Asia, the Small and Medium scale entrepreneurs who already make the largest contribution to the National Economy turn out to be its leading shareholders. Those who are planning to be entrepreneurs in future as well as those who have already become small and medium scale entrepreneurs anticipate facilities to realize their entrepreneurial objectives. Equally, the institutions that provide services to small and medium scale entrepreneurs make various endeavours to enlighten them of their institutions and the services those institutions provide to the small and medium scale entrepreneurs. Most often, in these endeavours, neither the correct target group meets the institution that supplies the service nor the expectants of such services meet the appropriate service and such service provider. As an institution operating for development of enterprises hand in hand with international entrepreneurs, service providers and individuals from grass root level, National Enterprise Development Authority established under the Ministry of Industry and Commerce launches this Small and Medium scale Enterprise Instructions Manual by including information of the institutions supplying financial and technical services to small and medium scale entrepreneurs and this can be introduced as a bridge that links small and medium scale entrepreneurs and their service providers. It is with the heartiest pleasure that I convey my compliments to this Guidelines Manual as the Deputy Minister of the Ministry of Industry and Commerce as well as a Sri Lankan who wishes for development of enterprises in Sri Lanka.
Hon. Rishad Bathiudeen M.P. Minister of Industry & Commerce
Hon. Jayaratne Herath M.P. Deputy Ministry of Industry & Commerce
Contents by institutional setup

Part 1 Financial Institutions
1. DFCC Bank ............................................................

1 2 3. 4. 5. 6.
01
M.S.S. Ameer Ali Chairman/Director General Message from the Chairman/Director General of National Enterprise 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 as the second issue. This guidebook has become as operation manual for SMEs 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 Sri Lankas extensive and rapid development plans and programs that are currently under way to boost our national economy. This trilingual publication is very useful for entrepreneurs and also North and East provinces to restart their enterprises and commence new businesses. I take this opportunity to thank the Hon. Minister, Board of Directors, all the institutions and individuals who supported to publish this guidebook.
7. 8. 9. 10. 11.
SAUBAGYA Prosperity Loan Scheme Renewable Energy for Rural Economic Development (RERED) EIB Global II DASUNA Revolving Fund KFW (V) Loan Scheme - for North & East Awakening North - Resumption of Economic activities in the Northern Province Awakening East - Resumption of Economic activities in the Eastern Province Abhivurdhi Agro Livestock Development Project (ALDL) Sarusara New Comprehensive Rural Credit Scheme (NCRCS) Perennial Crop Development Project II Revolving Fund (PCDP II RF) Tea Development Project Revolving Fund (TDP RF)
2. NDB Bank ............................................................... 12

1. 2. 3. 4. 5. 6. 7. DASUNA Revolving Loan Scheme for Southern Province SMILE II Revolving (JBIC) Loan Scheme SMERDP Loan Scheme E Friends TMFP Tea Manufactures Financing Programme Supplier Financing, Dealer Financing & Exporter Financing KFW Credit line for SMEs in North & East
3. Bank of Ceylon .....................................................

1. 2. 3. 4. 5. 6. 7. 8. Nawasapiri Rural Loan Scheme Loan Scheme for Farmers who purchases Paddy Agricultural & Livestock Loan Scheme Small Scale Project for Poverty Alleviation and Revolving Fund Loan Scheme Provincial Development Loan Scheme Kapruka Investment Loan Scheme Dasuna Loan Scheme Diyawara Saviya Loan Scheme
19
9. 10. 11. 12. 13. 14. 15. 16.
Negenahira Navodaya Wiskam Loan Scheme Small Plantation Entrepreneurs Development Credit Scheme Regaining North (Uthuru Wasanthaya) Loan Scheme Bhagya Community Development Loan Scheme Self Employment Promtion Loan Scheme Saubhagya Self Employment Promotion Loan Scheme Diyawara Diriya Loan Scheme
19. 20.
4. Lankaputhra Development Bank......................... 35

1. 2. 3. 4. 5. Mahaweli Loan Credit Scheme Anthurium Loan Scheme LAKAM Loan Scheme KAPRUKA Loan Scheme Footwear Loan Scheme
Prosperity Loan Scheme Post Tsunami Coastal Rehabilitation and Resource Management Programme (PTCRRMP) Loan Scheme. 21. Renewable Energy for Rural Economic Development (RERED) Project Loan 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 ................

1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22.
68
5. Peoples Bank ....................................................... 40

1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. KAPRUKA Loan Scheme Provincial Development Loan Scheme VIDATHA Credit Scheme VANITHA NAVODYA Credit Scheme GOVI SAHANAYA Forward Sales Contract Scheme for Sale of Agricultural Produce (Under NCRCS) VEE BISSA Loan Scheme Farm Machinery Purchase Loan Scheme Paddy Pledge Loans New Peoples Fast Loan Scheme ATAMARU Loan Scheme DASUNA Loan Scheme Medium Scale Industry and Business Development Special Loan Scheme - Kilinochchi and Mulativu Pledge Loan scheme for small Scale Paddy farmers. Awakening North Loan Scheme Awakening East Loan Scheme Self Employment Promotion Initiative Loan Scheme (SEPI) Poverty Alleviation Micro Finance Project II loan Scheme. Small Holder Plantation Entrepreneurship Development Loan Scheme.
Agricultural Crops & Liquid milk production Improvement Loan Scheme KAPRUKA Investment Loan - Coconut Development Loan Scheme Agriculture and Agricultural machinery, Animal husbandry, Fisheries, Industrial & Commercial Business Loan Schemes ISURU Loan Scheme PAMP SME Revolving Fund Loan Scheme NDTF Loan Scheme RUEDA Loan Scheme DASUNA Loan Scheme SPDA Loan Scheme - Southern Province Development Authority Uva Entrepreneurship Loan Scheme Dry Zone Loan Scheme Small Estate Owners Loan Scheme NAGENAHIRA NAVODAYA Loan Scheme Dorin Dora Loan Scheme Forward Sales Contract (FSC) Loan SECONDARY PERENNIAL CROP (SPCDP) Loan Scheme North Western Province Dairy Development Project North Eastern Province Self Employment Loan Scheme Fruit Crop Development Loan scheme Anthurium Cultivation Development Loan Scheme Mushroom Cultivation Loan Scheme Cashew Processing Loan Scheme
23. 24. 25. 26. 27.
Mahaweli Saviy Loan Scheme Small & Medium Enterprise Development Loan Scheme ODAPANA Loan Scheme WARI PUBUDUWA Loan Scheme SAUBAGYA Loan Scheme
8. 9. 10.
REACT EAST - Resumption of Economic activities in the Eastern Province Poverty Alleviation Micro Finance Project -II (PAMP II) Prosperity Loan Scheme
7. SANASA Development Bank ................................ 95

1. 2. 3. 4. 5. 6. 7. AWAKENING NORTH LOAN SCHEME (UTHURUWASANTHAYA LOAN) SAUBAGYA LOAN SCHEME CORDAID LOAN SCHEME (MANNAR DISTRICT ONLY) TEA LOAN SCHEME ABIWURDHI LOAN SCHEME (ALDL) JAWAYA LOAN SCHEME (FOR FOREIGN EMPLOYEE) LOAN POOL LOAN SCHEME
10. Commercial Bank ............................................. 122

1. 2. 3. 4. DIRIBALA - Medium Term Development Loan Product BFMCS Bank Funded Micro Finance Loan Scheme BFACS Bank Funded Agricultural Credit Scheme Kapruka Ayojana
11. Central Bank Refinanced Schemes ................

1. 2. 3.
126
8. Sampath Bank ..................................................

1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Agro Livestock Loan Scheme (ALDL) Eastern Province E Friends (Rev) Fund Northen Province (Pibidena Uthura) PAMP II Credit Scheme for Microfinancing Prosperty (Saubagya) Loan Scheme SMEDeF SPEnDP Smile II (Revolving) Fund Kfw DFCC V
102
4. 5. 6. 7. 8. 9. 10. 11. 12.
9. Hatton National Bank PLC ...............................

1. 2. 3. 4. 5. 6. 7.
112
Gami Pubuduwa Microfinance Loan Scheme NCRCS - New Comprehensive Rural Credit Scheme Second Perennial Crop Development Project Credit Scheme (SPCDP) KAPRUKA AYOJANA - Coconut Development Credit Scheme Development Loans under Rural Credit Agro-Livestock Development Loan Scheme (ALDL) REACT NORTH - Resumption of Economic activities in the Northern Province
12. 13. 14. 15. 16.
SAUBAGYA Prosperity Loan Scheme Self Employment Promotion Initiative Loan Scheme SPEnDP Small Holder Plantations Entrepreneurship Development Programme Dry Zone Livelihood Support and Partnership Programme Bhagya Community Credit Programme Krushi Navodaya Credit Scheme PAMP II Loan Scheme PAMP Revolving Fund Loan Scheme NCRCS - New Comprehensive Rural Credit Scheme ALDL - Agro Livestock Development Project Post Tsunami Coastal Rehabilitation and Resource Management Programme (PTCRRMP) Awakening North - Northern Province Credit Line Credit Scheme for Resumption of Economic Activities in the Eastern Province FCCISL-SMED - Small & Medium Enterprise Division ............................................................................ 139 CNCI - The Ceylon National Chamber of Industries ......................................................................... 140 NCCSL - The National Chamber of Commerce of Sri Lanka .................................................... 141 CCC - The Ceylon Chamber of Commerce ........................ 142 NIBM - National Institute of Business Management Sri Lanka ..................................................... 143
17. NAITA - National Apprentice and Industrial Training Authority ................................................................. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. 35. SEDD - Small Enterprise Development Division - ..................... CEFE Net Sri Lanka ............................................................... IDB Industrial Development Services .................................. ITI - Industrial Technology Institute ........................................ NERDC National Engineering Research & Development Centre ............................................................................... Vidatha Programme Ministry of Technology & Research ............................................................................... Ministry of Fisheries & Aquatic Resources ............................ Ministry of Environment ................................................... Ministry of Agriculture ............................................................. SLEDB Sri Lanka Export Development Board ........................... SLECIC Sri Lanka Export Credit Insurance Corporation ............................................................................. BOI Board of Investments -Sri Lanka ...................................... SLSI Sri Lanka Standards Institution ......................................... Inventors Commission ............................................................... Ministry of Industry & Commerce ............................................... NEDA National Enterprise Development Authority .................................................................................. Department of Census & Statistics ............................................. Divisional Secretariat Office .......................................................
144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162
Section 1 Financial Institutions
1.
DFCC Bank
DFCC Bank
2. Renewable Energy for Rural Economic Development (RERED)
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others To finance the grid connected & off grid renewable energy projects. Hydro, solar, wind, biomass & energy efficiency project Maximum USD 10 Million AWDR + margin Maximum 10 years including maximum grace period of 2 years Based on the risk profile of the project Area of operation All Island
1. SAUBAGYA Prosperity Loan Scheme

Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others To startup, expand any Micro Small & Medium Enterprises (MSME) For startup & expansion of MSMEs Rs 25 Million 9% p.a. 5 years including maximum grace period of 6 months Based on the risk profile of the project 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 @ Piumie.Liyanage@dfccbank.com www.dfccbank.com
NEDA go to index http://www.neda.lk/smefgb
Vidarsha Dharmasena Relationship Manager 73/5, Galle road, Colombo 03 011 244 2442 (General) 011 244 2260 (Direct) 011 244 0376 @ Vidarsha.Dharmasena@dfccbank.com www.dfccbank.com
DFCC Bank
3. EIB Global II
Purpose Target Group Import machinery & equipment or transfer of technology from European Union. Entrepreneurs engage in manufacturing and other industriesTransferring of technology from European Union or joint ventures with European Union countries Maximum EUR 12.5 MnMinimum EUR 100,000 AWDR + margin Depend on the project Based on the risk profile of the project Area of operation All Island
4 DASUNA Revolving Fund

To finance Small & Medium projects in Southern Province (Start-up, expansion or modernization activities)
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others Promote the development of Southern Province by providing term loans. Agriculture manufacturing industries & selected services sector Rs 1 Million 10.5% p.a. Maximum 7 years including maximum grace of 2 years Minimum 3 years Based on the risk profile of the project Area of operation - Southern Province only
Loan Amount Rate of Interest Payment Period Securities Others
Gayathri Sivayoganathan Project Executive 73/5, Galle road, Colombo 03 011 244 2442 (General) 011 244 2326 (Direct) 011 247 2022 @ Gayathri.Sivayoganathan@dfccbank.com www.dfccbank.com
Piumie Liyanage Relationship Manager 73/5, Galle Road, Colombo 03 011 244 2442 (General) 011 244 2309 (Direct) 011 534 0936 @ Piumie.Liyanage@dfccbank.com www.dfccbank.com
DFCC Bank
5. KFW (V) Loan Scheme - for North & East
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others To develop SMEs in North & East provinces Manufacturing, Agriculture, Livestock, Fisheries, Trading Tourism & Services Maximum - No upper limit Minimum - Rs 100,000/AWDR + 5% to 7% p.a. (fixed for the loan at the time of bank approval) Maximum 5 years including maximum grace period of 1 year Minimum 2 years Based on the risk profile of the project For North & East provinces, both Loans & Leases are eligible
DFCC Bank
6. Awakening North - Resumption of Economic activities in the Northern Province
Purpose Target Group Loan Amount To develop the Northern Provinces Agriculture, Livestock, Fisheries, Small & Medium Scale Enterprises, Tourism, Trade Rs 200,000/-
Rate of Interest 9 % p.a. Payment Period 5 years including maximum grace period of 6 months Securities Others Based on the risk profile of the project Area of operation Northern Province only
Piumie Liyanage Relationship Manager 73/5, Galle road, Colombo 03 011-2442442 (General) 011-2442309 (Direct) 011-5340936 @ Piumie.Liyanage@dfccbank.com www.dfccbank.com
DFCC Bank
7. Awakening East - Resumption of Economic activities in the Eastern Province
Purpose Target Group Loan Amount To develop the Eastern Provinces Agriculture, Livestock, Fisheries, Small & Medium Scale Enterprises, Tourism, Trade Rs 250,000/-
DFCC Bank
8. Abhivurdhi Agro Livestock Development Project (ALDL)
Purpose Target Group To develop Dairy, Poultry & Agriculture crop processing sectors Dairy farmers, milk and agriculture crop processing industries, poultry sector, cold storage and ice manufacturing plants. Small dairy projects - Rs 400,000/-Processing Industries Rs 300 Million Cold storage & ice plants Rs 10 Million
Rate of Interest 9 % p.a. Payment Period 5 years including maximum grace period of 6 months Securities Others Based on the risk profile of the project Area of operation Eastern Province only
Loan Amount
Rate of Interest Small dairy projects 8% p.a.Processing Industries & others 12 % p.a. Payment Period 5 years including the grace period Securities Others Based on the risk profile of the project Area of operation All Island
10
DFCC Bank
9. Sarusara New Comprehensive Rural Credit Scheme (NCRCS)
Purpose Cultivation (Paddy, Chilies, Red/B onions, Pulses, Potatoes, Soya bean, Vegetables or any other short term crops,Production of planting material including seeds. Farmers and seed producers Cultivation - Depending on the cropsSeed production Maximum Rs5 Million 8% p.a. Normally within 180 days or 01 month after harvest whichever is earlier. Based on the risk profile of the project Area of operation All Island
DFCC Bank
10. Perennial Crop Development Project II Revolving Fund (PCDP II RF)
Purpose Target Group Loan Amount To develop Perennial crop sector in the country Field development & cultivation of perennial crops, Inter cropping, nursery operations and agro processing Rs 1 million
Target Group Loan Amount Rate of Interest Payment Period Securities Others
Rate of Interest 9 % p.a. Payment Period 10 years including maximum grace period of 5 years Securities Others Based on the risk profile of the project Area of operation All Island
11
12
DFCC Bank
11. Tea Development Project Revolving Fund (TDP RF)
Purpose Target Group Loan Amount Rate of Interest Payment Period To develop the Tea sector in the country i. Tea replanting, infilling & nursery development ii. Transportation of green leaves i. Replanting Rs 1.5 Million ii. Transportation Rs1.5 Million 9% p.a. i. Replanting- 13 years including maximum grace period of 5 years ii. Transportation 5 years and no grace period Securities Others Based on the risk profile of the project Area of operation All Island
2. NDB Bank 1. DASUNA Revolving Loan Scheme for Southern Province

To finance Small & Medium Projects (Start-up, expansion or modernization activities)Donor Agency Asian Development Bank (ADB) Purpose Increasing Productivity, level of operation, quality & price competitiveness of a product.
Target Group SMEs 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. Up to Rs 1 Mn
Loan Amount
Rate of Interest 10.5% Payment period 7 yrs including the grace period (Depend on the project) Securities Project Fixed Assets Others Project assets / Any other securities acceptable to the bank. Maximum fixed assets after the loan should not exceed Rs 3 million (Excluding land & Building) 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 @ kapila.deshapriya@ndbbank.com www.ndbbank.com
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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 Target Group Increasing Productivity level of operation, quality & price competitiveness of a product. Food Processing, Beverage / Textiles / Garments / Metal Products / Construction materials / Rubber Products / Wood & Wood products/ Leather & Allied products / Plastic Products / Printing & paper Products / Chemical & Chemical products / Agro Industries / Fisheries / Animal Husbandry / Horticulture / Aquarium / Construction Services/ Miscellaneous Rs 10 Mn AWDR+ 5% p.a. 5 yrs including grace period(Depend on the project) Project assets / Any other securities acceptable to the bank Maximum fixed assets after the loan should not exceed Rs 3 million (Excluding land & Building) Credit line doesnt accommodate property purposes
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 the western province to reduce regional inequalities & providing medium to long term credit facility for start up new SMEs or expansion or modernization.
Target Group SMEs engaged in fisheries, animal husbandry, horticulture, aquarium, food processing, agro industries, spices, leather & allied products, services, construction Material Rs 20 Mn
Loan Amount
Rate of Interest Market Rate Payment period 5 7 yrs Securities Project Fixed Assets Minimum Quality Others Should bring minimum of 25% of the proposed project Should be located out side the Western province. Project assets/ Any other securities acceptable to the bank. Maximum fixed assets should not exceed Rs 100mn
Loan Amount Rate of Interest Payment period Securities Project Fixed Assets Others
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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 in finding solutions to the environmental problems.
Target Group Loan Amount Industrial Enterprises. (Including SME sector) Rs 20 Million
NDB Bank
5. TMFP Tea Manufactures Financing Programme
Donor Agency Overseas Economic Corporation Fund (OECF)
Purpose Target Group Loan Amount To finance the working capital requirement of Low Grown Tea Manufactures. Low Grown Tea manufactures. Rs 50 Mn
Rate of Interest 8.5 % Payment period 3 1/2 years Securities Project Fixed Assets Eligible investments Project assets/ Any other securities acceptable to the bank. Maximum fixed assets should not exceed Rs 100mn.
Rate of Interest Market Rate Payment period Link to trade cycle Securities Project Fixed Assets Other Tea stocks / PGs Maximum fixed assets should not exceed Rs 100mn -
Minimum Quality Should being minimum of 25% of the proposed project. ?? to be updated ??
Kapila Deshapriya Senior Manager Business Development SME unit, NDB Bank, No.40, Nawam Mw, Colombo - 02 011 244 8448 011 234 1048 @ kapila.deshapriya@ndbbank.com www.ndbbank.com @
Kapila Deshapriya Senior Manager Business Development SME unit, NDB Bank, No.40, Nawam Mw, Colombo - 02 011 244 8448 011 234 1048 kapila.deshapriya@ndbbank.com www.ndbbank.com
NEDA
go to index
http://www.neda.lk/smefgb
NEDA
go to index
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NDB Bank
6. Supplier Financing, Dealer Financing & Exporter Financing
Donor Agency Overseas Economic Corporation Fund (OECF) Purpose To establish a short term financing mechanism.
Target Group Loan Amount Suppliers to corporate/ Distributors/ Dealer of corporate Maximum Rs 100 Million
NDB Bank PLC

7. KFW Credit line for SMEs in North & East
Purpose Improved access to credit and other financial services for entrepreneurs and small enterprises in the North and East through the banking sector. Small and medium enterprises Fixed assets excluding land and buildings do not exceed Rs 50 Mn before subloan approval No arrears with other banks Up to equivalent rupee value of EUR 5 Million Market rate
Target Group
Rate of Interest Market Rate Payment period Interest monthly, Capital repayment link to trade cycle. Securities Other Project assets / assignment of GRNs / Work orders / Post dated cheques / Stocks. _ Loan Amount Rate of Interest Securities Others
Payment PeriodMax 6 yrs including a max 1 year grace period Property mortgages, Business assets, personal guarantees and any other security acceptable to the bank Subprojects to be located in the eight districts of the North and East: Ampara, Batticaloa, Trincomalee, Vavuniya, Mannar, Kilinochchi, Mullaitivu and Jaffna. May be existing enterprises or new start ups Eligible sectors include farms, primary agricultural production and fisheries
Kapila Deshapriya Senior Manager Business Development SME unit, NDB Bank, No.40, Nawam Mw, Colombo - 02 011 244 8448 011 234 1048 @ kapila.deshapriya@ndbbank.com www.ndbbank.com @ Kapila Deshapriya Senior Manager Business Development SME unit, NDB Bank, No.40, Nawam Mw, Colombo - 02 011 244 8448 011 234 1048 kapila.deshapriya@ndbbank.com www.ndbbank.com
NEDA go to index http://www.neda.lk/smefgb NEDA go to index http://www.neda.lk/smefgb
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Bank of Ceylon
1. Nawasapiri Rural Loan Scheme
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others To provide credit facilities for paddy and approved food crop cultivations Farmers who cultivate paddy and cash crops For one acre From Rs. 2,500/- 175,000/- (depends on the crop) 8% p.a. 270 days Personal guarantors Islandwide
Bank of Ceylon
2. Loan Scheme for Farmers who purchases Paddy
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others To provide credit facilities for small scale paddy farmers to store their paddy harvest Small scale Paddy Farmers Rs. 50,000/8% p.a. 6 months Mutual guarantee (Two debtors) 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 @ cmdb@boc.lk www.boc.lk @
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 cmdb@boc.lk www.boc.lk
NEDA
go to index
NEDA
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Bank of Ceylon
3. Agricultural & Livestock Loan Scheme
Purpose To increase the employment opportunities through the increase of milk production/ to start and improve the agricultural and agro based processing industries/ to enhance the production in the agricultural sector as a whole. Milk Producers and all parties engaged in the field of Agriculture Up to Rs. 400,000/- Up to Rs. 3 million 8% p.a. 5 years Personal guarantee/Immoveable Property Islandwide 12% p.a.
Bank of Ceylon
4. Small Scale Project for Poverty Alleviation and Revolving Fund Loan Scheme
Purpose To guide the low income generating people in rural areas to small groups method with the objective of enhancing their standard of life by cultivating the habit of thrifts and saving and provide capital requirements to cater the economic and social development. Economically under developed areas and low income generating families From Rs. 50,000 up to Rs. 200,000/12% p.a. 3 years Group guarantees or any other security acceptable to the bank PAMP II Implemented in Northern, Eastern, Uva and North Central provinces and Puttalam & Ratnapura districtsRevolving Fund Project Implemented in Southern, Western, Central provinces and Kurunegala & Kegalle districts
NEDA
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NEDA
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Bank of Ceylon
5. Provincial Development Loan Scheme
Purpose To provide credit facilities to cater the capital needs to improve and initiate income generating activities among small and medium scale entrepreneurs. Individuals, Joint Ventures, Companies From Rs. 200,000/- upto 5 million 12% p.a. 5 years Immovable property or any other security acceptable to the bank. Islandwide
Bank of Ceylon
6. Kapruka Investment Loan Scheme
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities To increase the coconut production and enhance the productivity. Coconut land owners or lessees From Rs. 40,000/- upto 1,000,000/10% p.a. 5 years Property with more mortgage value, two personal guarantees acceptable to the bank or any other security acceptable to the bank Galle, Matara and Hambantota
Others
NEDA
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NEDA
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26
Bank of Ceylon
7. Dasuna Loan Scheme
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others To revive the small and medium scale Industrialists in the Southern Province. Land owners, individuals, Companies or any other entrepreneurs with a personal wealth From Rs. 40,000/- upto 1 million 10.5% p.a. 3-5 years Two personal guarantees, Mortgage of an immovable assets or any other security acceptable to the bank Galle, Matara and Hambantota
Bank of Ceylon
8. Diyawara Saviya Loan Scheme
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities To assist the Tsunami affected persons and help for them to recover the properties they have lost. Individuals, Groups From Rs. 5,000/- upto 10 million 8% p.a. 10% p.a. 3-5 years Upto Rs. 250,000 Two personal guaranteesFrom Rs. 250,001 Immovable assets with a higher mortgage value. Kalutara, Galle, Matara, Hambantota, Ampara, Batticaloe and Trincomalee districts
Others
NEDA
go to index
NEDA
go to index
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Bank of Ceylon
9. Negenahira Navodaya
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities To provide loans required to improve the income generating activities in the Eastern Province. Individual, Joint Ventures, Self-employment Maximum Rs. 250,000/9% p.a. Maximum 60 months (5 years)Grace period 06 months (if necessary) Upto Rs. 100,000 Two personal guarantors under loan shceme From Rs. 100,000 I. II. Others Two guarantors Mortgage of the project asset or any other security acceptable to the bank.
Bank of Ceylon
10. Wiskam Loan Scheme
Purpose Target Group To enhance the commercial agro based business through an investment diversification. Individual business, Group Business, Registered Companies (Agriculture, Agro based business, Institutions based on agro businesses) 1. 2. 4. 5. Rate of Interest Payment Period Securities Agro and milk products Rs. 25 million Liquid milk Projects From Rs.400,000/to Rs. 2,500,000/3. Demonstration Famrs Rs. 10 million Creative Projects Rs. 5 million Breeding farms/Milk Collecting Centres Rs. 5 milli
Loan Amount
8% p.a. From 3 - 6years (if necessary a grace period of 06 months) 1. 2. 3. A guarantee acceptable to the bank according to the loan amount Project assets immovable property mortgage Should obtain fire and thief insurance policy
Trincomalee, Batticaloe and Ampara districts only
Others 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 @ cmdb@boc.lk www.boc.lk @ W.A.C. Tisserra
Islandwide
Senior Manager - Dev. Banking Development Banking Division, 25th Floor, Head Office, Colombo 01 011 244 5808/ 220 5005 011 244 5805 cmdb@boc.lk www.boc.lk
NEDA
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NEDA
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Bank of Ceylon
11. Small Plantation Entrepreneurs Development Credit Scheme
Purpose Target Group To improve the standard of life of the low income generating people in the project area. 1. Re-settlers under HADABIMA and Mahaweli Schemes 2. Low income generating small business community living in the Intermediate Zone in Moneragala district 3. Women and family members living below the poverty line and needy groups 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. 5,000,000/9% p.a. 5 years 1 year grace period if necessary 1. Upto Rs. 100,000/ Two personal guarantors under loan scheme or any other personal guarantees acceptable to the bank. 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. Implemented at DS level in Kandy, Kegalle, Nuwaraeliya and Moneragala districts
Bank of Ceylon
12. Regaining North (Uthuru Wasanthaya) Loan Scheme
Purpose To provide loans required to develop the economic activities or to start or maintain legal projects in the Northern Province. To improve income generating activities. Permanent Residents in the Northern Province Upto Rs. 200,000/9% p.a. 5 years Two personal guarantors or any other security acceptable to the bank. In Jaffna and Vanni districts only
Loan Amount
Rate of Interest Payment Period Securities
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 @ cmdb@boc.lk www.boc.lk
Others
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Bank of Ceylon
13. Bhagya Community Development Loan Scheme
Purpose To provide loan facilities for the income generating small scale activities of the small groups at village level under the progamme to assist and share the livelihood of the Dry Zone. Small groups members at the village level in Anuradhapura, Kurunegala, Badulla and Moneragala districts For Self employment activities For one purchaser upto Rs. 50,000/For income generating small scale activities Upto Rs. 200,000/- per one purchaser 10% p.a. Upto Rs. 50,000/- 36 months Upto Rs. 200,000/- 48 months For Self employment activities Guarantee of two members in small group For income generating small scale activities Guarantee of two members in small group or any other security acceptable to the bank. 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 who complete the education from a recognised Vocational Training Institute to start their own self employment projects Young people who have followed a National Certificate course or Skill Development Programme and a Entrepreneurship Course from a recognised Vocational Training Institute registered in the Ministry of Vocational & Technical Training Rs. 250,000/10% p.a. 4 years including the 8 months grace period 1. 2. Upto Rs. 100,000 Two personal guarantors Over 100,000 Two personal guarantors Mortgage of project assets Any other security acceptable to the bank
Target Group
Target Group
Loan Amount
Loan Amount Rate of Interest Payment Period Securities
Rate of Interest Payment Period Securities
Others W.A.C. Tisserra
Islandwide
Others
Senior Manager - Dev. Banking Development Banking Division, 25th Floor, Head Office, Colombo 01 011 244 5808/ 220 5005 011 244 5805 @ cmdb@boc.lk www.boc.lk
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Bank of Ceylon
15. Saubhagya Self Employment Promotion Loan Scheme
Purpose To create self employment opportunity for the distressed people in Sri Lanka and for the promotion of small and medium scale projects For legal projects and for the distressed people to rehabilitate them. From 500,000/- to Rs. 20,000,000/9% p.a. 5 years including 6 months grace period Upto Rs. 500,000/ Personal guarantors Over 500,000/ Personal guarantors Mortgage of project assets or Any other acceptable security Islandwide
Bank of Ceylon
16. Diyawara Diriya Loan Scheme
Purpose Target Group Loan Amount Rate of Interest Payment Period Development of the Fishing Industry Individuals, Group Members, Registered Companies Maximum Rs. 10 Mn. Up to Rs 2 million 5.5% p.a. From Rs 2 million 8% p.a. For Fishing Boats Max 8 years (with the grace period of 06 months)For Fishing Equipment - Max 4 years (with the grace period of 03 months) Should obtain the recommendation from the Ministry of Fisheries or Affiliated Institution and the mortgage required according to the loan amount and personal guarantee or any acceptable security to the bank. Islandwide
Target Group Loan Amount Rate of Interest Payment Period Securities
Securities
Others
Others W.A.C. Tisserra
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 @ cmdb@boc.lk www.boc.lk
Senior Manager - Dev. Banking Development Banking Division, 25th Floor, Head Office, Colombo 01 011 244 5808/ 220 5005 011 244 5805 @ cmdb@boc.lk www.boc.lk
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4. Lankaputhra Development Bank

1. Mahaweli Loan Credit Scheme
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others Production, Agriculture Mahaweli Zones. Rs 50,000 to 10 mn 9% 4 yrs. Property / Personal grantors
Lankaputhra Development Bank

2. Anthurium Loan Scheme
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others Growing Anthurium Plants Western province growers 100,000/- to 300,000/4.5% 5 yrs Personal guarantors
Lalith Liyanage Executive, Marketing & Business Development Lankaputhra Development Bank 80, Nawala Rd, Nugegoda. 0112 821031 0112 821020 @ lalithl@lankaputhra.lk www.lankaputhra.lk @
Lalith Liyanage Executive, Marketing & Business Development Lankaputhra Development Bank 80, Nawala Rd, Nugegoda. 0112 821031 0112 821020 lalithl@lankaputhra.lk www.lankaputhra.lk
http://www.neda.lk/smefgb NEDA go to index http://www.neda.lk/smefgb
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3. LAKAM Loan Scheme
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others Production Regional wise SME industries 50,000/- to 500,000/12 % 3 - 4 yrs Property / Personal guarantors
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4. KAPRUKA Loan Scheme
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others Coconut growing Small scale coconut growers 100,000/- to 1,000,000/12% p. a 5 years Personal guarantors / Property
Lalith Liyanage Executive, Marketing & Business Development Lankaputhra Development Bank 80, Nawala Rd, Nugegoda. 0112 821031 0112 821020 lalithl@lankaputhra.lk www.lankaputhra.lk
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5. Footwear Loan Scheme
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others Shoe manufacturing Shoe manufactures SME producers. 100,000/- to 350,000/12% p.a. 3 - 4 yrs Mortgage property / Personal guarantors
5. Peoples Bank
1. KAPRUKA Loan Scheme
Coconut Development Loan
Loan Amount Rate of Interest Payment Period Interest subsidy Refinance Interest Rate Securities Rs.1000,000/10% 5 years including the grace period of max 06 months Up to Rs 500,000 - 4% Over Rs 500,000 - 5% Up to Rs.250,000 Two personal guarantors acceptable to the Bank, mortgage over immovable property. Over Rs 250,000 Mortgage over immovable property.
Swarna Weerasinghe Chief Manager- Development & Micro Finance

Department of Development & Micro Finance 9th Floor, Peoples Bank Head Office, Sir Chittampalam A Gardiner Mawatha, Colombo 2.
011 248 1348 , 011 248 1461 011 233 0083 , 011 243 4780 devfin@peoplesbank.lk www.peoplesbank.lk
http://www.neda.lk/smefgb NEDA go to index http://www.neda.lk/smefgb
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Peoples Bank
2. Provincial Development Loan Scheme
Loan Amount Maximum loan amount - Rs 5,000,000/Minimum loan amount - Rs 200,000/From Central Bank of Sri Lanka 100 % Repayment Interest rate to CBSL -8% 5 years, including grace period of max 12 months Two personal guarantors acceptable to the bank, Mortgage over a movable or immovable property.
Peoples Bank
3. VIDATHA Credit Scheme
Implemented in coordination with the Technology & Research Loan Amount Rate of Interest Repayment Period Securities Max Rs 75,000/13 % p.a. 3 years , grace period of max 6 months Two personal guarantors acceptable to the Bank
Rate of Interest 12 % p.a. Refinance
Repayment Period Securities
Areas for Commercially, technically and financially viable projects of which credit is entrepreneurs trained and recommended by Vidatha provided Resource Centers / Vidatha Societies
Areas for which Agricultural, Industries, Fisheries and related activities , credit is Transport, Animal husbandry, Trade and Income provided generating activities


011 248 1348 , 011 248 1461 011 233 0083 , 011 243 4780 @ devfin@peoplesbank.lk www.peoplesbank.lk
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Peoples Bank
4. VANITHA NAVODYA Credit Scheme
Loan Amount Rate of Interest Repayment Period Securities Areas for which credit is provided Max Rs 100,000/8 % p.a. 2 years , including grace period of max 3 months Loan Receipt signed by the applicant is consider as security. Commercially viable economic activities ( for women affected by natural disasters such as Tsunami, floods, earthquake, landslides, or due to the war.)
Peoples Bank
5. GOVI SAHANAYA Forward Sales Contract Scheme for Sale of Agricultural Produce (Under NCRCS)
Loan Amount Rate of Interest Maximum - Rs 50 Mn From Buyers 9% Commission at the time of loan recovery - 2%
Repayment Period 270 days for Maize. 1 80 days for Paddy and other crops. Securities A valid forward sale contract document, pledge of produce and assignment over insurance policy. Two personal guarantors acceptable to the bank, Mortgage over a movable or immovable property.


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Peoples Bank
6. VEE BISSA Loan Scheme
Loan Amount Rate of Interest Repayment Period Securities Areas for Rs 72,000/- to Rs 152,000/75% of the cost of construction of the store. Property mortgage Other securities 3 - 5 yrs (6-10 seasons) Two personal guarantors acceptable to the bank Mortgage over a movable or immovable property To build / improve paddy stores. - 9.5% - 10.5%
Peoples Bank
7. Farm Machinery Purchase Loan Scheme
Loan Amount Rate of Interest Repayment Period Securities Areas for which credit is provided Maximum Rs 200,000/Property mortgage -9.5% Other securities 10.5% Max 36 months or 6 cultivation seasons (Kanna) Two personal guarantors acceptable to the bank, Mortgage over a movable or immovable property. Purchase of two wheel tractors, Farm machinery and accessories.


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Peoples Bank
8. Paddy Pledge Loans
Maximum loan No upper limit. Should not exceed 75% of the value of paddy stock.
Peoples Bank
09. New Peoples Fast Loan Scheme
Maximum Amount Loan Rate of Interest Micro - up to Rs 250,000/-( Minimum Rs.25,000/-) Small - up to Rs 2,000,000/Medium - up to Rs 20,000,000/Micro - Property mortgage 9% Personal Guarantee 9.5% Inter se group guarantee Small - Property mortgage - 9.5 % Other securities 10.5% Medium Property mortgage - 11 % Other securities - 11.5% 3 years, including grace of max 03 months 5 years on immovable property Upto Rs 250,000/- personal guarantee Above Rs 250,000/- property securities
Rate of Interest Property mortgage - 11% Other securities - 11.5% Repayment Period Securities Areas for which credit is provided Max 180 days Pledge over paddy stock with two acceptable guarantors or any other acceptable guarantors to the bank. Paddy millers and paddy collectors to purchase paddy.
Repayment Period Securities
Areas for which Agriculture, agro industries, self employments, animal is provided husbandry, small industries, providing services and any income generating activity such as a business.


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Peoples Bank
10. ATAMARU Loan Scheme
Loan Amount Commission Commissions Rebate Repayment Period Securities Areas for which credit is provided Maximum Rs 50,000/Monthly 4% 25% of the commission charged will be refund in case to customer who repay the loan within the agreed period. Maximum - 03 months Loan repayments can be made on a daily or weekly basis. Inter-se Guarantee of two members who qualify for Loans under this credit scheme. Micro, small and medium scale entrepreneurs engage in income generating economic activities in the sphenes small trade, cottage industry and agriculture.
Peoples Bank
11. DASUNA Loan Scheme
Project Operation Districts Loan Amount Rate of Interest Refinance Repayment Period Securities Galle, Matara, and Hambanthota
Maximum Rs . 01 million (Minimum Rs 40.000/-) 10.5%p.a National Development Bank - 95% Refinance interest rate to NDB - 6% Repayment period 7 years (including the grace period of maximum 24 months ) Two personal guarantors acceptable to the bank, Mortgage over a movable or immovable property.


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Peoples Bank
12. Medium Scale Industry and Business Development Special Loan Scheme - Kilinochchi and Mulativu
Project Area Maximum Loan Amount Rate of Interest Securities Areas for which credit is provided Kilinochchi and Mulativu Districts Maximum loan amount Per person Rs. 10 millionMinimum loan amount per person Rs. 02 million 9%p.a Personal guarantee and mortgage over project assets. Small and medium entrepreneurs in Districts of Kilinochchi and Mulativu Districts
Peoples Bank
13. Pledge Loan scheme for small Scale Paddy farmers.
Maximum Loan Amount Rate of Interest Repayment Period Securities 75% of the value paddy stock under the price certified by the Paddy Marketing Board subject to maximum limit of Rs. 50,000/= 8.%p.a 03 months Pledge over the stock of paddy and Guarantee of two personal guarantors.
Repayment Period 05 years including a maximum grace period of 12 months.


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Peoples Bank
14. Awakening North Loan Scheme
Project Area Maximum Loan Amount Rate of Interest Refinance Repayment Period Securities Areas for which credit is provided Northern Region (Jaffna , Wanni ) Rs.200,000/9%p.a 90% refinance from Central Bank of Sri Lanka 5 years, including grace of max 06 months Two personal guarantors acceptable to the bank, Mortgage over a movable or immovable property Agriculture and allied activities, livestock (milk producing, poultry farming, fisheries & allied activities, Micro & small scale enterprises other self employment projects including trade)
Peoples Bank
15. Awakening East Loan Scheme
Project Area Maximum Loan Amount Rate of Interest Refinance Repayment Period Securities Areas for which credit is provided Eastern Region (Ampara, Trincomalee, Batticoloa ) Rs.250,000/9%p.a 100% refinance from Central Bank of Sri Lanka 5 years, including grace of max 06 months Two personal guarantors acceptable to the bank, Mortgage over a movable or immovable property Perennial crop cultivation, livestock, fisheries, trade, tourism and other self employment activities.


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Peoples Bank
16. Self Employment Promotion Initiative Loan Scheme ( SEPI) .
Maximum Loan Amount Rate of Interest Refinance Repayment Period Securities Rs.250,000/10%p.a 100% refinance from Central Bank of Sri Lanka 4 yrs, including grace of max 08 months Two personal guarantors acceptable to the bank, Mortgage over a movable or immovable property
Peoples Bank
17. Poverty Alleviation Micro Finance Project II loan Scheme.
Project Area Jaffna, kilinochchi , Mulativu, Mannar, Trincomalee, Batticaloa, , Ampara, Puttalam, Anuradhapura, Vavuniya, Polonnaruwa, Badulla, Monaragala, Ratnapura 1st loan Rs.100,000, 2nd loan Rs.150,000 and succeeding loans Rs. 200,000 100% refinance from Central Bank of Sri Lanka 3 years Loans can be considered against inter-se guarantee of two members of a socially mobilized Group. Agricultural, Industries, Self Employment, Animal husbandry, Small Industries, Services, Trade and any income generating activities.
Maximum Loan Amount Refinance Repayment Period Securities Areas for credit is provided
Rate of Interest 12%p.a
Areas for which Projects/self employment in areas of electrical and credit is provided Electronics, Textile and other technically viable sectors are eligible for finance. Youngsters who gave followed professional courses from necognized institutions and posing required certificates are eligible for this.


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Peoples Bank
18. Small Holder Plantation Entrepreneurship Development Loan Scheme.
Project Area Maximum Loan Amount Refinance Repayment Period Securities Nuwara Eliya , Kandy , Kegalle and Monaragala Small Farmers Rs.250, 000/Grass root level institutions ( Farmer groups ) Rs2000,000/ Factories and processing Rs.5000,000/80% refinance from Central Bank of Sri Lanka 5 years inclusive of 12 months grace period Two personal guarantors acceptable to the bank, Mortgage over a movable or immovable property.
Peoples Bank
19. Prosperity Loan Scheme
Maximum Loan Amount Rate of Interest Refinance Repayment Period Securities Areas for which credit is provided Rs.25,000,000/9%p.a 100% refinance from Central Bank of Sri Lanka 5 years inclusive of 06 months grace period Two personal guarantors acceptable to the bank, Mortgage over a movable or immovable property. Small and medium enterprises
Rate of Interest 12%p.a
Areas for which Agriculture and allied activities including tea and rubber credit is based industries income generating activities such as on, provided Small industries, Live stock, Garments, Small Trading, Handicrafts (operated by Farmers Organization)


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Peoples Bank
20. Post Tsunami Coastal Rehabilitation and Resource Management Programme (PTCRRMP) Loan Scheme.
Project Area Kalutara, Galle. Matara, Hambantota, Ampara, Batticaloa and Trincomalee Maximum 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 10.0 Mn. Rate of Interest Individual Small Scale 8% Group/Society/ClusterMicro Enterprise -8% Group/Society/Cluster Commercial 10% Refinance 100% refinance from Central Bank of Sri Lanka Repayment Individual Small Scale 3 years Grace period 06 months Period Group/Society/ClusterMicro Enterprise - 5 years Grace period 06 monthsGroup/Society/Cluster Commercial 5 years Grace period 03 months Securities Two personal guarantors acceptable to the bank, Mortgage over a movable or immovable property. Areas for Agriculture, Agro livestock, Animal Husbandry, Small which credit is industries, Services and any other income generating provided activities.
Peoples Bank
21. Renewable Energy for Rural Economic Development (RERED) Project Loan Scheme.
Maximum Loan Amount Maximum Loan Limit per borrower is, either USD 8 Million or the maximum amount the bank may consider as opportune to be granted per borrower, whichever is lower.
Eligible Activities Grid Connected Renewable Energy Power Projects. (With capacity not more than about 10 MW)Investments relevant to energy efficiency, conservation and demand side management.Financing or acquisition of existing assets (including land) or refinancing of existing debts or accrued interest will not be considered under this loan scheme. Rate of Interest On mortgage of immovable property Other securities Refinance Repayment Period Securities 80% refinance from DFCC Bank Maximum loan repayment period is 10 years inclusive of a grace period of 2 years. Securities acceptable to the Bank 12% 13%


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Peoples Bank
22. Credit Line for Development of Commercialized Agribusiness (VISKAM)
Eligible activities Agro and milk based industries of innovative nature, which generate employment and add value. Development of Dairy Resources Centers (DRCs), Medium Scale Commercial Dairy Farms and Breeding Farms. Maximum Loan Amount Agro and milk based industries- Rs. 25.0 million Dairy projects Rs. 400,000/= to Rs. 2.5 million Demonstration farmsRs. 10.0 million Innovative projects - Rs. 5.0 million Breeding Farms / Dairy Resource Centers - Rs. 5.0 million 8% per annum 100% refinance from Central Bank of Sri Lanka A repayment period from 36 months up to 72 months is allowed including a maximum grace period of 06 months Two personal guarantors acceptable to the bank, Mortgage over a movable or immovable property
Peoples Bank
23. Agro Livestock Development Loan Scheme
Small dairy farming project Rs. 400,000/- Maximum Liquid milk & agro based Processing industry Rs. 300 Mn. Cold stores/Ice slab producing industry Rs.10 Mn. maximum Up to Rs.400,000/- 08% p.a Above Rs.400,000/- 12% p.a Maximum Loan Amount
Rate of Interest
Repayment Period Maximum time period for loan repayments will be 05 years inclusive of grace period, if required. Securities Projects eligible for loans Two personal guarantors acceptable to the bank, Mortgage over a movable or immovable property. Small dairy Project, Liquid milk processing and Agriculture crop processing Industries establishment of cold stores and ice slab producing factories and poultry farming
Rate of Interest Refinance Repayment Period Securities


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Peoples Bank
24. Loan Scheme for cultivation activities in Home Gardens ( Divi Naguma )
Maximum Loan Amount Rate of Interest Repayment Period Securities Sectors eligible for loan Maximum Loan Amount Rate of Interest Repayment Period Securities Rs.100,000/9% p.a 4Years Two personal guarantors acceptable to the bank. Vegetable Cultivation & Fruit Cultivation Animal Husbandry Cultivation of permanent crops Rs.50,000/9% p.a 12 months Two personal guarantors acceptable to the bank,
Peoples Bank
25.Tea Development Project Revolving Fund Loan Scheme
Loan Amount 1. Purchasing of transport vehicles to transport green leaves For 2 wheel / 4 wheel tractors Rs. 1.5Mn For purhcase of lorries Rs. 3.0Mn 2. Purchasing of racks and crates Rs. 200,000 per unit 3. 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 to produce 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 decided based on the recommendation of TSHDA Repayment 3. Development of tea land for Repayment period Period relanting and interfiling up to 13 years inclusive of a five year grace period. 4. Nursery Development Repayment period 5 years inclusive of a five year grace period. Swarna Weerasinghe Chief Manager- Development & Micro Finance

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Peoples Bank
26. New Comprehensive Rural credit Scheme.
Maximum loan amount Rate of interest Interest subsidy Securities Guarantee Cover Areas for which credit is provided Loan amount varies depending on the type of crop cultivated From Farmers 8% p.a From CBSL 6% p.a Inter-se Guarantee of two farmers or other acceptable guarantee 60% of the loan balance (from CBSL) Paddy, subsidiary crops, ginger, betel, seeds and plant producing and material used for cultivation
Peoples Bank
27. Second Perennial Crop Development Project Loan Scheme.
Maximum Loan Rate or Interest Refinance Repayment Period Securities Two acceptable guarantors Mortgage over an immovable/Movable property Rs.1 Million 09% p.a 87% 10 years including grace period
Repayment Period Maximum 270 days
Crops Minor-export crops such as pepper, cocoa, coffee, considered under nutmeg, cinnamon, lime, oranges, cashew, pineapple and this loan scheme. floriculture.


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Peoples Bank
28. Bagya Community Development Loan Scheme
Anuradhapura, Badulla, Kurunegala, Monaragala Small Scale income generation activities 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 Societies Rs. 100,000/- to Rs. 300,000/10% p.a From CBSL - 100% Small Scale income generation activities - 36 months Medium Scale income generation activities (Agricultural & Industries) - 48 months Bulk loan for Development Societies - 48 months Two personal guarantors acceptable to the bank, Mortagage over a movable or immovable property. Agriculture, Agro livestock, Animal Husbandry, Small industries, Services and any other income generating activities.
6. RDB Regional Development Bank

1. Agricultural Crops & Liquid milk production Improvement Loan Scheme
For Small scale Dairy farmers and Liquid milk producers in corporation with CBSL
Purpose Target Group Conditions Loan Amount Increase the Agricultural crops and Liquid milk production Small scale Dairy farmers and Liquid milk producers Small scale Dairy farmers and Liquid milk producers Small dairy farming project Maximum Rs 400,000//= Liquid milk production and Agricultural crops production 300mn Small dairy farming project 8% Liquid milk production and Agricultural crops production 12% Securities Others Depends on the Loan amount decided by the Bank
Project operation Districts Maximum Loan Amount
Rate of Interest Refinance Repayment Period
Rate of Interest
Securities Areas for which credit

A.B. Ariyarathne Deputy General Manager Credit & Recovery Regional Development Bank, 12th Floor, Access Tower, 278, Union Place, Colombo 02. 011-2302360 011-2305370 @ ariyaratneb@rdb.lk www.rdb.lk
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RDB Regional Development Bank

2. KAPRUKA Investment Loan - Coconut Development Loan Scheme
For coconut cultivation and coconut based industries in collaboration with Coconut Development Board (CDB)
Purpose Increase the productivity, income generating activities and employment of the Coconut loans or coconut based industries. Applicant should be over18 years aged and be should be the owner of the land or tax payee to the land. Applicant should be over18 years aged and be should be the owner of the land or tax payee to the land. Rs 150,000/= 12% Personal Guarantor or Properties. -

3. Agriculture and Agricultural machinery, Animal husbandry, Fisheries, Industrial & Commercial Business Loan Schemes
To finance the SME who are not eligible for other re-finance schemes of the bank
Purpose Target Group Conditions Loan Amount Rate of Interest Supply for Loan facilities which are unable to obtain loans from re-finance Loan Schemes. Those who can not get loans from re-finance Loan schemes currently operate by the bank. Those should be who can not get loans from re-finance Loan schemes currently operated by the bank Decided by the bank with customer need. Agriculture or Agricultural equipment 14% Animal Husbandry or Fisheries 14% Industries -14% Commercial Business 14% Securities Others Decide by the bank according to the loan amount
Target Group Conditions Loan Amount Rate of Interest Securities Others
A.B. Ariyarathne Deputy General Manager Credit & Recovery Regional Development Bank, 12th Floor, Access Tower, 278, Union Place, Colombo 02. 011-2302360 011-2305370 @ ariyaratneb@rdb.lk www.rdb.lk @
A.B. Ariyarathne Deputy General Manager Credit & Recovery Regional Development Bank, 12th Floor, Access Tower, 278, Union Place, Colombo 02. 011-2302360 011-2305370 ariyaratneb@rdb.lk www.rdb.lk
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4. ISURU Loan Scheme
Enhancement of Land less farmers
Purpose Target Group Conditions Loan Amount Rate of Interest Securities Others Improve the social and economical standard for low income families. A family should be the monthly income below Rs 2400/= At least 3 months group together and saving in each group. Up to Rs 50,000/= 14% Group Guarantees. -

5. PAMP SME Revolving Fund Loan Scheme
For low income families, in corporation with Central Bank of Sri Lanka
Purpose Target Group Conditions Loan Amount Rate of Interest Securities Others Alleviate Poverty. Low income families. (Rs Less than Rs 3000/=) Should be Group Members. Up to Rs 200,000 /= 12% Group Guarantees. -
I. Jacksan Wijesekara Assistant General Manager Credit & Recovery Regional Development Bank, 12th Floor, Access Tower, 278, Union Place, Colombo 02. 011-2302360 011-2305370 @ jacsanw@rdb.lk www.rdb.lk @
I. Jacksan Wijesekara Assistant General Manager Credit & Recovery Regional Development Bank, 12th Floor, Access Tower, 278, Union Place, Colombo 02. 011-2302360 011-2305370 jacsanw@rdb.lk www.rdb.lk
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6. NDTF Loan Scheme
For Agriculture & Livestock Service oriented SMEs in corporation with National Development Trust Fund
Purpose Target Group Conditions Loan Amount Rate of Interest Securities Others SME Entrepreneurs of Agricultural field and animal husbandry and service oriented sector. Families whose incomes are less than 7000/= are eligible. Families whose incomes are less than 7000/= are eligible. Maximum 75,000/= 15% Personal Guarantee Loan amount differs according to the cultivated crop.

7. RUEDA Loan Scheme
For start-up SMEs in Southern Province
Purpose Target Group Conditions Loan Amount Rate of Interest Securities Others Initial financial assistance to improve small & Medium scale Business entrepreneurs. The entrepreneurs who have been identified are from Hambanthota, Matara & Galle Districts. Certified from Ruhunu Economic Development Institute and approval from the Loans Community . Minimum Rs 200,000/= & Maximum Rs 2,000,000/= 11.5% Personal Guarantee/ Properties
K.P. Dahanayaka Regional General Manager Southern Province Regional Development Bank Southern Regional office Paburana, Matara 041 223 1531 0412226208 rdb_credit@sltnet.lk www.rdb.lk
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8. DASUNA Loan Scheme
For Southern Province SMEs in collaboration with National Development Bank & Southern Province Development Authority
Purpose Target Group Conditions To develop Small & Medium scale industrialists. Should be Small & Medium scale Entrepreneurs. Should receive satisfaction from the Entrepreneurship development service buyer. Should receive certification from the Southern Province Development Authority. Loan Amount Rate of Interest Securities Others 1,000,000/= 10.25% Personal Guarantee / Properties

9. SPDA Loan Scheme - Southern Province Development Authority
For SME industrialists in Southern Province in collaboration with SPDA
Purpose Target Group Conditions Loan Amount Rate of Interest Securities Others To develop the southern province Small & Medium scale industrialist. Small & Medium scale Entrepreneurs Should be Small & Medium scale Entrepreneurs 1,000,000/= 10% Personal Guarantee / Properties
K.P. Dahanayaka Regional General Manager Southern Province Regional Development Bank Southern Regional office Paburana, Matara 041 223 1531 0412226208 @ rdb_credit@sltnet.lk www.rdb.lk
K.P. Dahanayaka Regional General Manager Southern Province Regional Development Bank Southern Regional office Paburana, Matara 041 223 1531 0412226208 @ rdb_credit@sltnet.lk www.rdb.lk
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10. Uva Entrepreneurship Loan Scheme
For Medium scale Entrepreneurs

11. Dry Zone Loan Scheme
Purpose To improve employment opportunities and to improve their living slandered For women and poor farmers Should be registered in a farmers association. Should have an account at Central bank. Should deposit 25% of the loan amount at the bank Acceptable project report Loan Amount Rate of Interest Securities Others Individual - 50,000/Small scale Agricultural venture 200,000/10% 10 yrs Two registered members of the association or any other acceptable source of guarantee
Purpose Target Group Conditions Loan Amount Rate of Interest Securities Others
To grant incentives to medium scale industrialist Small scale industrialist. Should be registered industrialist. Rs. 200,000/8% 05 yrs Personal Guarantee Target Group Conditions
Dicman Silva Regional General Manager Uva Province, Regional Development Bank, Uva Regional Office, No. 26, Bank Site, Badulla. 055-2223635 055-2231680 @ dikmans@rdb.lk www.rdb.lk @
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
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12. Small Estate Owners Loan Scheme
Re-financed by CBSL

13. NAGENAHIRA NAVODAYA Loan Scheme
CBSL Refinanced
Purpose Target Group Conditions Should be permanent residence Northern province. Should deposit 10% of the loan amount at the bank Re-payment capabilit Loan Amount Rate of Interest Payment Period Securities Others Maximum 250,000/= 9% 05 yrs Personal guarantee/ property Fisheries sector, Agriculture, Micro, medium and small scale entrepreneurs-providing financial facilities
Purpose Target Group Conditions
Development of small middle country estates. Re-settled farmers Women and small group members. Tea rubber and other plantation crops but, not to those who have not settled. Farmers 250,000/= Foundation stage farmers 200,000/= Factory 1.5m 5% 04 yrs. Promissionary note, Acceptable guarantee to the Bank and property.
Loan Amount
Rate of Interest Payment Period Securities Others
A. H. M. G. Abeyrathne Chief Manager Loans Regional Development Bank, Wayamba Regional Office, No. 155, Negombo Road, Kurunegala 037 222 7429 , 037 223 4350 , 037 223 4360 , 037 223 1880 , 037 222 7567 wdbchmcredit@sltnet.lk www.rdb.lk
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82

14. Dorin Dora Loan Scheme
For Businessmen
Purpose Target Group Conditions Loan Amount Rate of Interest Payment Period Securities Others Argent requirement Business community. Active bank customer. According to the requirement 17% Personnel guarantee/ Variable assets - 3 years. Project Assets/ Fix Assets 5 yrs General securities.

15. Forward Sales Contract (FSC) Loan Scheme
Interest subsidized by CBSL
Purpose Target Group Conditions Loan Amount Rate of Interest Payment Period Securities Others Buy Agricultural products. Rice mill owners paddy buying institutes. Should be a mill owner, Stock collector and active customer of bank. According to the land area. 10% 6 month Property.
Sarath Sri Fernando Assistant General Manager Business & Promotion Regional Development Bank, 12th Floor, Access Tower, 278, Union Place, Colombo 02. 011-2302360 011-2305941 @ sarathf@rdb.lk www.rdb.lk @
A. H. M. G. Abeyrathne Chief Manager - Loans Regional Development Bank, Wayamba Regional Office, No. 155, Negombo Road, Kurunegala 037 222 7429 , 037 223 4350 , 037 223 4360 , 037 223 1880 , 037 222 7567 wdbchmcredit@sltnet.lk www.rdb.lk
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83
84

16. SECONDARY PERENNIAL CROP (SPCDP) Loan Scheme
For Planters, Interest subsidized by CBSL
Purpose Target Group Conditions Loan Amount Rate of Interest Payment Period Securities Others For the perennial crops. Planters. Should be Land owners and active bank member. 1,000,000/= 9% 5 Yrs Personal guarantee/ property

17. North Western Province Dairy Development Project
Interest subsidized by Provincial Agri Dept - NWP
Purpose Target Group Conditions Loan Amount Rate of Interest Payment Period Securities Others Promote the self employment. Those who are engage self employment activity recommended by North western Provincial Council. Should obtain the recommendation of provincial council. Amount will be determine provincial recommendation. 6% 3 Yrs Personal guarantee/ Property
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85
86

18. North Eastern Province Self Employment Loan Scheme
Interest subsidized by Provincial Ministry of Agriculture - NEP

19. Fruit Crop Development Loan scheme
Interest subsidized by Provincial Ministry of Agriculture - NWP
Purpose Promote the self employment. Those who are engage self employment activity recommended by North western Provincial Council. Should obtain the recommendation of provincial council. Amount will be determine provincial recommendation. 6% 3 Yrs Personal guarantee/ Property
Purpose Target Group Conditions Loan Amount Rate of Interest Payment Period Securities Others
Promote the self employment. Those who are engage self employment activity recommended by North western Provincial Council. Should obtain the recommendation of provincial council. Amount will be determine provincial recommendation. 12% 3 Yrs Personal guarantee/ Property
Target Group Conditions Loan Amount Rate of Interest Payment Period Securities Others
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 @
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88

20. Anthurium Cultivation Development Loan Scheme
Interest subsidized by Provincial ministry of Agriculture - NWP

21. Mushroom Cultivation Loan Scheme
Interest subsidized by Provincial Ministry of Agriculture - NWP
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89
90

22. Cashew Processing Loan Scheme
For self employers

23. Mahaweli Saviy Loan Scheme
For farmers & SMEs in mahaweli zones.
Providing financial facilities for Agriculture, Micro, medium and small scale entrepreneursLow income farmers & SMEs in mahaweli areas, Should live in mahaweli zones. 200,000/= 8% 36 months 2 Personal guarantors
I. Jacksan Wijesekara Assistant General Manager Credit & Recovery Regional Development Bank, 12th Floor, Access Tower, 278, Union Place, Colombo 02. 011-2302360 011-2305370 jacsanw@rdb.lk www.rdb.lk
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91
92

24. Small & Medium Enterprise Development Loan Scheme (SMEDeF)

25. ODAPANA Loan Scheme
Interest subsidized by CBSL Purpose Focusing paddy and gains collectors.
Target Group Conditions Loan Amount Rate of Interest Payment Period Securities Others With Interest subsidy 12% 6 months 2 Personal guarantee/ Moveable Property/ Fixed Property Who are engage in paddy and gains collect sector. Should maintain active account more than six months and who should engage relevant field.
Develop the Small & Medium Enterprises. Small & Medium Entrepreneurs Should be a Small & Medium Entrepreneur. Loans up to Rs.60 Mn. 10% 10 yrs. 2 Personal guarantee/ Moveable Property/ Fixed Property Grace period up to 2 years
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94

26. WARI PUBUDUWA Loan Scheme
Project funds from Irrigation and Ministry of Water Management
Purpose Increase the income generation activity who are living in irrigation zone, but their not engage in irrigation activity. People who are live in irrigation zone should do Business Zone foods vegetables, nurseries, handicraft production and household. Be live in irrigation zone should do Business Zone foods vegetables, nurseries, handicraft production and household. 200,000/= 12% 3 yrs. 2 Personal guarantee

27. SAUBAGYA Loan Scheme
Financial Assistant to SME and disaster affected SME in Sri Lanka in corporation with Central Bank of Sri Lanka
Purpose Target Group Conditions Financial Assistant to SME and disaster affected SME in Sri Lanka SME owners and disaster effected SME Owners/SMEs Be a Sri Lankan Good cash flow with a repayment ability Ability to Guarantee provide request from the Bank Maximum Rs. 25,000,000/= for Industry of Small & Medium scale. Maximum amount 20m of disaster effected SMEs 9% for reducing balance method of SMEs. Should submit request from the Bank
Target Group
Conditions
Loan Amount Rate of Interest Securities Payment Period Others
Loan Amount Rate of Interest Payment Period Securities 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 @
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96
7. SANASA Development Bank

1. AWAKENING NORTH LOAN SCHEME (UTHURUWASANTHAYA LOAN)
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Other Income generating purpose Farmers, Fisheries, Micro, Small & Medium Scale Entrepreneurs in the Northern Province. Up to Rs200,000/9% 5Years Suitable collateral to minimize the risk
SANASA Development Bank

2. SAUBAGYA LOAN SCHEME
Purpose Target Group Providing credit facilities for Small and Medium Scale Enterprises. Small & Medium Scale Enterprises which total assets value is below Rs. 40 Mn excluding Land and Buildings and that employed 5-100 persons. Up to Rs. 25 Mn 9% 5Years Suitable collateral to minimize the risk
Loan Amount Rate of Interest Payment Period Securities Other
K.K.S.U. Kumara Credit Manager No.12, Edmonton Road, kirulapone,Colombo 06 011 2832531 011 2514251 @ creditd@sdb.lk www.sdb.lk @
K.K.S.U. Kumara Credit Manager No.12, Edmonton Road, kirulapone,Colombo 06 011 2832531 011 2514251 creditd@sdb.lk www.sdb.lk
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98

3. CORDAID LOAN SCHEME (MANNAR DISTRICT ONLY)
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Other Income generating purpose Farmers, Fisheries, Micro, Small & Medium Scale Entrepreneurs in t Mannar District. Up to Rs. 50,000/12% 3 Years Suitable collateral to minimize the risk Providing Loan Facility for Sanasa group members only.

4. TEA LOAN SCHEME
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Other Increase Tea smallholders income on a sustainable basis Tea Smallholders. Rs. 500,000.00 to Rs. 1Mn 9% 5 Years Suitable collateral to minimize the risk
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100

5. ABIWURDHI LOAN SCHEME (ALDL)

6. JAWAYA LOAN SCHEME (FOR FOREIGN EMPLOYEE)
Purpose Providing loan facility for getting visa, passport, Air ticket and any other related activities. Sri Lankan Below 40 years. Rs. 100,00.00 20% 2 Years Suitable collateral to minimize the risk
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Other
Small farmers and persons who are engaged in dairy farming activities and require seed and working capitals. Small farmers and others who are primarily engaged in dairy farming activities in the agriculture sector. Rs. 400,00.00 to Rs. 300Mn 12% 5 Years Suitable collateral to minimize the risk
Target Group Loan Amount Rate of Interest Payment Period Securities Other
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101
102

7. LOAN POOL LOAN SCHEME
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Other
8. Sampath Bank
1. Agro Livestock Loan Scheme (ALDL)
Purpose 1. 2. 3. 4. 5. Target Group Loan Amount Rate of Interest Repayment Period Subsidy Others Purchase of cows,Heifers, Equipments for Development of dairy projects & construction of cattle sheds Processing of liquid Milk & production of Milk based products Agro based & agro related processing industries Enhancing storage facilities in the processing industry Establishing Cooling facilities (Cold Stores)
For Income generating purposes Sanasa group and Sanasa Society customers. Rs. 50,00.00 14% 2 Years Suitable collateral to minimize the risk
Small farmers/persons engaged in Dairy farming activities 1. Small Dairy Farmers Rs. 40,000/= 2. Processing Industry Rs. 300Mn 1. 8%, 2. 12% Max 5 years (inclusive of grace period determined by PFI) 1. 6% 2. 2% 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 pinipapathirana@sampath.lk www.sampath.lk
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Sampath Bank
2. Eastern Province
1. Perennial crop cultivation Livestock development (strictly excluding piggery, broiler farming & livestock for slaughter) 2. Fisheries & related activities 3 Trade, tourism and Other self-employment Projects Permanent resident living in the Eastern Province Max. Rs. 0.250 Mn (90% of the estimated cost of the Projects) 9% p.a Purpose
Sampath Bank
3. E Friends (Rev) Fund
Purpose 1. 2. 3. 4. 5. Target Group Loan Amount Rate of Interest Repayment Period Projects which lead to find solutions to the environmental problems due to industrial pollution caused from manufacturing process. Energy Consumption Waste minimization Resource recovery Pollution contral
Target Group Loan Amount Rate of Interest
Financially viable Industrial Enterprises a Business Registration Maximum of 20.0 Mn 8.5% p.a. Sub Loans granted in 2010, Max 3 Years. (Max. Grace 2 Years), Repayment Period of loans granted after 30-06-2010 should not exceed 30.06.2014(including the grace period) 100% of loan disbursed by the Bank Operating areas All districts in Sri Lanka
Repayment Period Max 5 Years (Including months grace period depending on the nature of the sub projects) Securities Other 100% of loan disbursed by the Bank Operating areas All districts in the Eastern Province
Securities Others
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 @ pinipapathirana@sampath.lk www.sampath.lk @
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Sampath Bank
4. Northen Province (Pibidena Uthura)
Purpose 1. Agriculture & related Activities 2. Livestock Development (Strictly excluding piggery, broiler farming & livestock for slaughter) 3. Fisheries & related activities 3 Trade, tourism and Other self-employment projects 5. Micro & Small enterprises Trade and other selfemployment projects Permanent resident living in the Northern Province Max. Rs. 200,000/= (90% of the estimated cost of the Projects) 9% Maximum 5 years (including 06 months grace period) 100% of loan disbursed by the Bank Operating areas All districts in the Northern Province
Sampath Bank
5. PAMP II Credit Scheme for Microfinancing
Purpose 1. 2. 3. 5. Target Group 1. 2. 3. Loan Amount Agriculture Livestock Development (Strictly excluding piggery, broiler farming & livestock for slaughter) Trade & Services 4. Small Industries Others Households whose income is less than Rs. 15,000/= per month Households who are beneficiaries of not more than Microfinance scheme Households who are not defaultrs of any other financial institution
Target Group Loan Amount Rate of Interest Repayment Period Securities Others
Eligible Projects 1& 2 Max 50,000 as the 1st loan & 2nd loan Rs 100,000 Eligible Projects 1& 2Max 150,000 as the 1st loan & 2nd loan Rs200,000 15..5% p.a. (max.) Agri loans for short terms Crops 8 MonthsOther Loans 36 Months 100% of loan disbursed by the Bank Operating areas 14 districts in Sri Lanka
Rate of Interest Repayment Period Securities Others
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 @ pinipapathirana@sampath.lk www.sampath.lk @ 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 pinipapathirana@sampath.lk www.sampath.lk
107
108
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 5-100 persons Permanent residents living in Sri Lanka Maximum Amount Rs. 25.0 Mn 9% p.a. Maximum 5 years (including 06 months grace period) 100% of loan disbursed by the Bank Operating areas All Island
Sampath Bank
7. SMEDeF
Purpose All sectors other than trading, please refer Appendix 1 of PRO/2011/0013 Ver. 1 for exclusionary list of Projects Any Private enterprise operating in Sri Lanka 1. 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 Maximum Amount Rs. 60.0 Mn 15..5% p.a. (max.) 1. Working Capital facilities Maximum 03 years 2. No working Capital facilities Maximum 10 years (Including grace period of 02 years) 100% of loan disbursed by the Bank Operating areas All Island
Target Group Loan Amount Rate of Interest Repayment Period Securities Others
Target Group
Loan Amount Rate of Interest Repayment Period
Securities Others
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 @ pinipapathirana@sampath.lk www.sampath.lk @
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Sampath Bank
8. SPEnDP
Purpose 1. Agriculture and allied activities including Tea & Rubber based industries 2. Small industries operated by farmer organizations 3. self-employment activities 4. Other income Generating Activities - Livestock Garments Small Trading _Handicrafts 1. A citizen of Sri Lanka & settlers of the Hadabima or Mahaweli Resettlement Schems (Mid-Country Target Group) or low income smallholders in the intermediate Zone of Monaragala (Monaragala Target Group) 2. Women and members of other vulnerable groups (below poverty line) Eligible sub borrower should have the recommendation from the Programme Management Unit, of the credit line. Rs. 0.25 Mn to Rs. 5.0 Mn 9% p.a. Maximum 5 years (including 12 months grace period) 80% of loan disbursed by the Bank Selected divisional Secretariats of * Nuwaraliya * Kandy * Kegalle *Monaragala
Sampath Bank
9. Smile II (Revolving) Fund
Purpose 1. 2. 3. 4. Building Construction Purchas of Machinery & other fixed assets Commercial Vehicles Permanent working capital
Target Group
Target Group
Sole Proprietorships, partnerships, limited liability companies, Co-operative societies who possess a business registration certificate Maximum Amount Rs. 10.0 Mn AWDR+5% or 11.3% whichever is higher Minimum 3 Years Maximum 5 years (including grace period) (Maximum grace period - 2years) 75% of the approved loan amount Operating areas All Districts in Sri Lanka
Loan Amount Rate of Interest Repayment Period
Securities Others
Loan Amount Rate of Interest Repayment Period Securities Others
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 @ pinipapathirana@sampath.lk www.sampath.lk
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Sampath Bank
10. Kfw DFCC V
Purpose 1. 2. 3. Existing enterprises & new start ups. Farms (excluding livestock for slaughter) primary agricultural production and fisheries Reimburesment cost incurred under eligible sub projects also considered for priod not exceeding 1 year after the date of disbursement of the refinance loan leasing facilities.
9. Hatton National Bank PLC

1. Gami Pubuduwa Microfinance Loan Scheme
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others Financing for self employment projects Any legally recognized income generating activity Self employment / Small Enterprises Up to Rs. 1 Mn. 15% - 18% 4 yrs inclusive of grace period Two personal guarantee or any acceptable security to the bank considering the risk elements. Loans to be granted as individual and as group loans.
Target Group
Permanent resident living in the North & Eastern Province Small 7 Medium enterprise whose fixed assets excluding land & building do not exceed Rs. 50.0 Mn Before sub loan approved Min. Rs. 0.10 Mn, Max s. 6.00 Mn 03 Months AWDR+5 Min 2yrs, Max. 5Yrs (including the grace period) (max. grace period 1 year) 75% of the approved loan amount Ampara, Batticaloa, Trincomalee, Vavuniya, Mannar, Kilinochi, Mullaitivu, Jaffna.
Loan Amount Rate of Interest Repayment Period Securities Others Ms. Pinipa Pathirana Refinance Officer
M V P Gunawardena Senior Manager - Dev. Banking Hatton National Bank PLC,HNB Tower, Level 19, No. 479, T. B. Jayah Mawatha, Colombo 10 011 266 1988-92 011 266 2823 @ devbank@hnb.lk www.hnb.lk
Sampath Bank, Development Banking Division, Sampath Bank PLC, 110, Sir James Peiris Mw, Colombo 02 011 473 0219 011 533 1469 @ pinipapathirana@sampath.lk www.sampath.lk
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Hatton National Bank PLC

2. NCRCS - New Comprehensive Rural Credit Scheme
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others Cultivation (Paddy, Chillies, red/B onions green gram, Potatoes, Soya bean or any other short term crops. Small scale farmers. Rs. 8,000/- to Rs. 280,000/- depending on the selected crops subject to max.loan limit 8% Normally within 180 days or 01 month after harvest whichever is earlier. Any acceptable security to the bank considering the risk elements. Interest Subsidy Scheme

3. Second Perennial Crop Development Project Credit Scheme (SPCDP)
Purpose Field development of perennial crop, inter cropping , pasture/livestock,nursery operation, agro processing etc Small & Medium Cultivators Up to Rs. 10 Mn. 9% p a 10 yrs with a mix grace period of 5yrs. Any acceptable security to the bank considering the risk elements. Equity - Minimum 25% of the cost of project
M V P Gunawardena Senior Manager - Dev. Banking Hatton National Bank PLC,HNB Tower, Level 19, No. 479, T. B. Jayah Mawatha, Colombo 10 011 266 1988-92 011 266 2823 @ devbank@hnb.lk www.hnb.lk @
M V P Gunawardena Senior Manager - Dev. Banking Hatton National Bank PLC,HNB Tower, Level 19, No. 479, T. B. Jayah Mawatha, Colombo 10 011 266 1988-92 011 266 2823 devbank@hnb.lk www.hnb.lk
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4. KAPRUKA AYOJANA - Coconut Development Credit Scheme
Purpose

5. Development Loans under Rural Credit
Purpose Short term / Perennial Crop Cultivation. Farm machinery / Agricultural equipments / Fisheries/Animal husbandry. Any other income generating project / activity. Small & Medium scale farmers Not specified 13.5% - 17% 5 yrs. (Repayment period may extend on life span of the project, pattern of income generation etc; as case may be) Any acceptable security to the bank considering the risk elements. No Refinance - Banks own funds. Equity - Minimum 25% on completion of the project.
Inter cropping and Coconut cultivation related activities. Small & Medium scale Cultivators. Rs. 10 Mn. 10%p.a 1. Cultivation / Irrigation 05 yrs inclusive 01 yr grace 2. Nursery (for inter-crops) 01 yr inclusive of 6 mths grace 3. Purchase of equipment 05 yrs inclusive of 3 mths grace Any acceptable security to the bank considering the risk elements. Refinance Scheme A Category : 100% sub.loan @ 6% B Category : 100% of sub.loan @ 5% Equity : Minimum 20% of the project cost Credit Guarantee : 50% cover of the default amount from CCB. Interest rebate from CCB 1. Cultivation 2. Nursery Target Group Loan Amount Rate of Interest Payment Period
Target Group Loan Amount Rate of Interest Payment Period
Securities Others
Securities Others
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6.Agro-Livestock Development Loan Scheme (ALDL)
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others Category A-Small dairy/agri projects Category B-Milk & Agro Processing A-Small farmers /B- Small & Medium Enterprises A-up to Rs. 0.4 Mn./B-up to Rs.300 Mn A-8% B-12% Up to 5yrs including 1yr grace period Any acceptable security to the bank considering the risk elements. No Refinance - Banks own funds. Equity - Minimum 25%

7. REACT NORTH - Resumption of Economic activities in the Northern Province
Purpose Agriculture, Livestock, Fisheries, Small Scale Enterprises, TradeTourism, Permanent residents of Northern Province Self employment / Small Enterprises Rs 200,000 /9% Maximum of 5 yrs including grace period and subject to the nature of the project Any acceptable security to the bank considering the risk elements. Refinance Scheme
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8. REACT EAST - Resumption of Economic activities in the Eastern Province
Purpose Agriculture, Livestock, Fisheries, Small Scale Enterprises, TradeTourism, Permanent residents of Eastern Province. Self employment / Small Enterprises Rs 250,000/9% Max 5 yrsincluding grace period and subject to the nature of the project Any acceptable security to the bank considering the Refinance Scheme

09.Poverty Alleviation Micro Finance Project II (PAMP II)
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others Agriculture, Livestock, Fisheries, Small Scale Enterprises, Trade Self employment / Small Enterprises Up to Rs 200,000/12%-14% p a Max 03 yrsincluding grace period and subject to the nature of the project Any acceptable security to the bank considering the risk elements. Refinance Scheme
Target Group Loan Amount Rate of Interest Payment Period Securities risk elements. Others
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10. Prosperity Loan Scheme (SAUBAGYA)
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Others Processing, Manufacturing, Engineering &Services Sector Working capital & Machineries Small & Medium Enterprises Up to Rs. 25Mn 9% Max 5 yrsincluding grace period of 06 months and subject to the nature of the project Any acceptable security to the bank considering the risk elements. Refinance Scheme
10. Commercial Bank

1. DIRIBALA - Medium Term Development Loan Product
Purpose Construction of buildings Infrastructure development Purchase of Plant, Machinery and other fixed assets Purchase of vehicles of commercial and passenger transportation. Working Capital purposes Individuals, Sole Proprietors, Partnerships and Private Limited Liability Companies who are either presently engaged or are to engage in industrial / Agri-cultural projects. Depend on the project The rate would be decided depending on the project/security and other relevant aspects. However the interest rates are subject to review by the Bank from time to time. Maximum 7 Years including the grace period. The exposure of the Bank should adequately be covered by acceptable securities.
Target Group
Loan Amount Rate of Interest
Payment Period Securities M V P Gunawardena Senior Manager - Dev. Banking Hatton National Bank PLC,HNB Tower, Level 19, No. 479, T. B. Jayah Mawatha, Colombo 10 011 266 1988-92 011 266 2823 @ devbank@hnb.lk www.hnb.lk @ Mohan Fernando
Manager - Development Credit Development Credit Dept, Commercial Bank of Ceylon PLC 21, Bristol Street, Colombo 01 011 235 3841 011 245 9213 Mohan_fernando@combank.net www.combank.net
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Commercial Bank
2. BFMCS Bank Funded Micro Finance Loan Scheme
Purpose Purchase of fixed assets which are essentially required for the business. Construction of building & infrastructure development. For working capital requirement in case of increase in production on a permanent basis.
Commercial Bank
3. BFACS Bank Funded Agricultural Credit Scheme
Purpose Establishment and Developments of plantation crops Establishment and Developments of Export Agricultural Crops (Cardamom, Cashew, Cinnamon, Cocoa, Coffee, Pepper) Livestock Developments Farm Machinery / Commercial Vehicles required for the farm. Production of Seed and Planting materials Cultivation of short-term crops Agro Processing Control Environment Agriculture. Horticulture (Banana, Lime, Mandarin, Mango, Papaya, Passion, Rambutan, Sweet Orange, Pineapple) Floriculture Establishment of Irrigation Systems Acquisition of Agricultural Lands / Development of Agricultural Lands Organic Farming Any other commercially viable Agricultural projects Be an individual or group of individuals or a registered com pany engaged in cultivating processing or marketing activities relating to Agriculture. Should be able to produce a farm development plan of the proposed project acceptable to the bank. The Maximum individual loan size should be Rs 5 Mn 14% p.a. (At present).The interest rate is subject to review by the bank periodically. The maximum loan repayment period is 5 years including the grace period. The exposure of the bank should adequately be covered by acceptable Mortgage over immovable assets or any other security acceptable to the Bank Other Be able to provide in cash or kind, equity contribution of at least 25% of the estimated total cost of the project.
Purchase of land & settlement of existing debt will not be eligible.

Target Group Applicants should be permanent residents, above 18 years of age & should not figure as a defaulter in any financial institution. Preference will be given to who are posses vocational qualifications and experience. The maximum individual loan size is Rs 200,000/= 18 % per annum Maximum repayment period is five(05) years (including the grace period) by weekly or monthly installments. To be decided by the Branch Manager.
Loan Amount Rate of Interest Payment Period securities
Loan Amount Rate of Interest Payment Period
Target Group
Securities Mohan Fernando
Manager - Development Credit Development Credit Dept, Commercial Bank of Ceylon PLC 21, Bristol Street, Colombo 01 011 235 3841 011 245 9213 @ Mohan_fernando@combank.net www.combank.net
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Commercial Bank 4. Kapruka Ayojana

Purpose Target Group A corporate body, owner, lessee or a person who has a legal right to the land at where the proposed development is undertaking. A corporate body or a person who could make a contribution of 20% or more as equity from total project cost in case the proposed project is less than 50 acres in extent. A corporate body or a person who could make a contribution of 25% or more as equity from total project cost in case the proposed project is more than 50 acres in extent. ( only for Special projects listed under activity L in Table 1) 12% pa For loans ranging from Rs 25,000 to Rs 100,000 could be considered under a guarantee of two persons acceptable to bank or mortgage over immovable property. For loans in excess of Rs 100,000 would be a mortgage over an immovable property or any other security acceptable to the bank. Mohan Fernando Manager - Development Credit Development Credit Dept, Commercial Bank of Ceylon PLC 21, Bristol Street, Colombo 01 011 235 3841 011 245 9213 @ Mohan_fernando@combank.net www.combank.net
11. Central Bank Refinanced Schemes

1. SAUBAGYA Prosperity Loan Scheme
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities To startup, expand any Micro Small & Medium Enterprises (MSME) or any MSME effected by disaster For startup & expansion of MSMEs, or disaster effected MSMEs Start up or expansion Rs.500,000/-Disaster affected (before resumption) Rs.20 million Start up or expansion 10%Disaster affected 9% 5 years including maximum grace period of 6 months Area of operation All Island
Loan Amount Rate of Interest Payment Period Securities
E A Hettiarachchi Director Regional Development Department, Central Bank of Sri Lanka, No. 30, Janadhipathi Mawatha, Colombo 01
011-2477447 011-2477734
@
agit@cbsl.lk www.cbsl.lk
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128
Central Bank
2. Self Employment Promotion Initiative Loan Scheme
Purpose Target Group Loan Amount Rate of Interest Payment Period Others To provide financial assistance to Trained Youth Trained Youth of Recognized Vocational Training Rs.250,000/10% p.a. 4 years All Island
Central Bank
3. SPEnDP Small Holder Plantations Entrepreneurship Development Programme
Purpose Target Group Loan Amount Rate of Interest Payment Period Securities Enhancing of living standard of the Low-Income Community Low Income Small Holders Rs 250,000/- to 5.0 Mn. 9% p.a. 9 years Kandy, Kegalle, Nuwara Eliya and Moneragala District
011-2477447 011-2477734
@
011-2477447 011-2477734
@
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Central Bank
4. Dry Zone Livelihood Support and Partnership Programme Bhagya Community Credit Programme
Purpose Target Group Loan Amount Rate of Interest Payment Period Participating Financial Institutions To provide facilities to income generating activities Village Level Small Group Members Upto Rs.200,000/10% p.a.Disaster affected 9% 3- 4 Years Bank of Ceylon Peoples Bank Regional Development Bank Wayamba Regional Office o Uva Regional Office Operational Districts o North Central Regional Office Kurunegala Anuradhapura, Badulla, Moneragala
Central Bank
5. Krushi Navodaya Credit Scheme
Purpose Target Group Loan Amount Rate of Interest Payment Period Participating Financial Institutions Operational Districts Maximum Rs.100,000/12% p.a. Maximum 36 Years Bank of Ceylon, Peoples Bank , Commercial Bank, Hatton National Bank, Sanasa Development Bank, Regional Development Banks, Sampath Bank, Lankaputra Development Bank All Island Provisioning and capital to improve the agriculture base income generating avenues
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Central Bank
6. PAMP II Loan Scheme
Poverty Alleviation Micro Finance Project
Purpose Household monthly income less than Rs.15,000/- in Project Location 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 Trade & Services & Small Industries - Up to Rs.150,000/Succeeding Loans Agriculture, Fisheries & Livestock - Up to Rs.100,000/Trade & Services & Small Industries - Up to Rs.200,000/Rate of Interest Repayment Period Securities Location 15.5% per annum to end-users (maximum) Maximum of 36 months The compulsory group savings could be taken as security. Nothern & Eastern Province: All Districts North Central Province: Polonnaruwa, Anuradhapura North Western Province: Puttalam Uva Province: Badulla & Moneragala Sabaragamuwa Province: Ratnapura
Central Bank
7. PAMP Revolving Fund Loan Scheme
Poverty Alleviation Microfinance Project (PAMP) Revolving Fund Loan Scheme
Purpose Strengthening of Economic Conditions of low income families Households Monthly income less than Rs.15,000/Rs.50,000/- to Rs.200,000/16% p.a. (maximum) 3 years Compulsory Group Savings Kandy, Nuwara Eliya, Matale, Galle, Matara, Hambantota, Kegalle, Kurunegala, Colombo, Gampaha and Kalutara Districts
Loan Amount
Target Group Loan Amount Rate of Interest Payment Period Others Location
E A Hettiarachchi Director Regional Development Department, Central Bank of Sri Lanka No. 30, Janadhipathi Mawatha, Colombo 01
* *
Agriculture, Fisheries & Livestock Upto a maximum of Rs.50,000/- , repayment of the first loan, second loan up to 100,000 per person. Trade and Service, Small Industries First Loan up to Rs.100,000/- , 2nd Loan will be increased up to Rs.150,000/-, after settlement of first loan eligible to receive for a 3rd loan up to Rs.200,000/- ,after the settlement of first two loans, .
011-2477447 011-2477734
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Central Bank
8. NCRCS - New Comprehensive Rural Credit Scheme
To develop cultivation of Agricultural Crops and production of seeds
Purpose Target Group Loan Amount Rate of Interest Payment Period Area of Operation To develop cultivation of Agricultural Crops and production of seeds Farmers Cultivation of crops depend on the crop Production of seeds Rs. 5 million Cultivation of crops Production of seedsMaximum 9 months Area of operation All Island 8% p.a. 8% p.a.
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 Entrepreneurs engage in dairy farming poultry, agricultural processing & ice manufacturing Small dairy/poultry projects Rs.400,000/Dairy/poultry/crop processing industries Rs. 300 million Cold Stores & block ice plants Rs.10 million Rate of Interest Payment Period Area of Operation Small dairy/poultry project - 8% p.a. Processing Industries & others - 12% p.a. 5 years including a grace period Area of operation All Island
Target Group
Loan Amount
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Central Bank
10. Post Tsunami Coastal Rehabilitation and Resource Management Programme (PTCRRMP)
Purpose To assist communities adversely affected by Tsunami disaster to recover their assets and re-establish the foundation of their usual economic activities while diversifying into new profitable income generating activities. Individual, Group/Society/Cluster, Group/Society/ Cluster Rs.5,000/- to Rs.10.0 mn. 8% 10% p.a. 5 years Areas for which credit is provided. Seven districts, namely Kalutara, Galle, Matara, Hambantota, Ampara, Batticaloa and Trincomalee
Central Bank
11. Awakening North - Northern Province Credit Line
Purpose Target Group Loan Amount Rate of Interest Payment Period Others To develop micro & small enterprises located in the Northern Province Agriculture, Livestock, Fisheries, Micro & Small enterprises, Trading & Self Employment Rs.200,000/9% p.a. Maximum 5 years including maximum grace period of 6 months. For the permanent residents & project in Northern Province
Target Group Loan Amount Rate of Interest Payment Period Others
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Central Bank
12. Credit Scheme for Resumption of Economic Activities in the Eastern Province
Purpose Target Group Loan Amount Rate of Interest Payment Period Others To develop micro & small enterprises located in the Eastern Province Agriculture, Livestock, Fisheries, Micro & Small enterprises, Trading & Self Employment & Tourism Rs.250,000/9% p.a. Maximum 5 years including maximum grace period of 6 months. For the permanent residents & projects in the Eastern Province
Part 2 Ministries & Institutions
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12. FCCISL-SMED - Small & Medium Enterprise Division

SME Development Services
FCCISL- Federation of Chamber of Commerce & Industry of Sri Lanka
Management and Technical Services Project Reports & Feasibility Studies for new projects and expansion of existing projects, Business plans & Corporate plans, Improved management systems and procedures, financial management Strategies and plans, Market Surveys, human Resource Development Programs including Consultancy and counseling of labour problems. Project Profiles & Company profiles, Promotional Brochures, Product development & product adaptation, packing, Proposals for approval from the board of investment to set up BOI Companies, incorporation of private limited liability companies & Business Registration, Export marketing Etc. Engineering and Manufacturing related Services. Environment and Energy related Services Training & Development Publication SME Machinery Fair Key personal Forum Special Project Agri Business Development Services Technology services
13. CNCI - The Ceylon National Chamber 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 with the Government and other Governmental & Non Governmental Associations in the attainment of such objectives. To promote and protect the interests of persons connected with industrial undertakings in Sri Lanka To represent and express on industrial, commercial and economic matters the opinions of the industrial community in Sri Lanka and to aid, assist and co-operate with others in such representation and expression. To advise and communicate on economic and industrial matters with public authorities, and similar associations in other places and with individuals. To foster fellow feeling and co-operation among industrialist, workers and consumers in all matters of common interest. To mediate on behalf of members and settle disputes with Government Departments, and Ministries To promote and take action necessary to expand the export of industrial goods of Sri Lanka
S. W. B. Wijekoon Consultant (Technical) Small and Medium Enterprise Development (SMED) Federation Of Chambers Of Commerce & Industry Of Sri Lanka Federation House, No. 53, Vauxhall Lane, Colombo-02 011 230 4287-9 011 230 4291 wijekoon@fccisl.lk , projsmed@slt.lk www.fccisl.lk
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 cnci@slt.lk , sgcnci@slt.lk www.cnci.lk
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14. NCCSL - The National Chamber of Commerce of Sri Lanka

SME Development Programme
Training for the SMEs Assisting SMEs to participate at local and international trade fairs at concessionary rates Provide local and international buyer information Publicizing the details of SMEs and their products in our market bulletin which is circulated all over the world monthly Providing any other assistance for SME development in kind.
15. CCC - The Ceylon Chamber of Commerce

Credit Support to Financially Challenged Youth
Purpose Credit facilities for agriculture, Livestock, Micro, Small and medium scale enterprises. Special loan facilities for disaster affected enterprises. Small & Medium Scale Entrepreneurs Up to Rs 500,000/- to Rs 20 Mn. 10 % 5 yrs Suitable collateral to minimize the risk Credit facilities for agriculture, Livestock, Micro, Small and medium scale enterprises. Special loan facilities for disaster affected enterprises.
Target Group Loan Amount Rate of Interest Payment Period Securities Other
E.M. Wijethilake Secretary General No. 450, D.R.Wijewardana Mawatha, Colombo 10. 011 474 1788 011 268 9596 @ sg@nccsl.lk www.nccsl.lk @
Sujeewa Ratnakumara National Programme Manager YBSL Secretariat, No.50, Navam Mawatha, Colombo 02 011 558 8884 011 244 9352 ybsl@chamber.lk www.ybsl.lk
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16. NIBM - National Institute of Business Management Sri Lanka

Training & Development
In the field of Management and productivity the NIBM offers the mature and employed student the opportunity to obtain well recognized qualifications in diverse fields through twelve diploma programs conducted in the English and Sinhala media as well as the numerous Certificate and short term courses available. We also cater to specific needs of the industry through customized training programs and through consultancy assignments. Main campus at Colombo and our regional centers in Kandy and Kurunegala ensure that quality training is available through NIBM to a wider range and a 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 @ kulasooriyadma@yahoo.com www.nibm.lk
17. NAITA - National Apprentice and Industrial Training Authority

Ministry of Youth Affairs
Conducting Entrepreneurship Awareness programmes for Vocational certificate Holders. Conducting eight days workshop about Entrepreneurship Development programmes . Implementing Know About Business (KAB) training programmes for apprentices with coordination of the SIYB association of Sri Lanka.
Training Officer National Apprentice and Industrial Training Authority(NAITA) No. 242, Havelock Town, Colombo 05. 011 286 3680 011 286 3737 @ maggonage@yahoo.com
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18. SEDD - Small Enterprise Development Division - Ministry of Youth Affairs

Entrepreneurship Development Training & facilities for other Business Development Services
Purpose: To develop entrepreneurial & managerial skills of the owners of new and existing 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 new business Conditions: be an owner of existing SME or who has willingness to start up new business Minimum Requirements: Literacy (Sinhala, English or Tamil) Other: All programmes are conducted island wide at divisional secretariat level
19. CEFE Net Sri Lanka

Providing Entrepreneurship Development and Management training to SME
CEFE Trainings 1. Entrepreneurship Development Business Planning Module New Business Creation (NBC) Small And Medium Business Management and Expansion Course (SMBME) Financial Management Module Marketing Management Module Resource Poor Module Cost Reduction Through Waste Managment Team Building and Motivation with Challenge for Professional Development Entrepreneurial Competencies Enhancement Moudle 2. For Counselors and Mentors Small Business Counseling Course 3. For Trainers CEFE Training of Trainers Course (ToT) 4. For Fishery Sector Entrefish for Fishing Community for Entrepreneurial Fishing Entrepreneurship and Business Management Training for MultiDay Boat owners 5. For Agriculture Training for Agricultural producers
A. Vimalarathna Director Small Enterprise Development Division No. 1334, Old Kotte Road, Rajagiriya. 011 2869844, 0112886855 @ sedd@sltnet.lk www.youthentrepreneur.gov.lk
Gamini B. Herath President, CEFE Net Sri Lanka 33/1, THimbirigasyaya Rd, Colombo 5 4527521, 2681375 @ 2681376 infor@sefenetsrilanka.com cefenetsrilanka.com
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20. IDB Industrial Development Services Ministry of Industry & Commerce

Encouragement, Promotion and Development of Small & Medium Industries in Sri Lanka
IDB carryout following activities for encouragement, promotion and development 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 Non- destructive testing service Provision of consultancy and Valuation of Machinery Non- destructive testing service 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
21. ITI - Industrial Technology Institute

Technical Services
The Industrial Technology Institute (ITI) is statutory which came into existence on 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 - driven partner to its clients and stakeholders and is a wholly owned Institute of the Sri Lankan Government, functioning under the purview of the Ministry of Technology and Research. The objects and functions of the Institute are to support Industry by undertaking on contract, testing investigation and research for improving product quality, technical process and methods used in industry and discovering new processes and methods to be used in industry. ITI also undertakes project based technical consultancy assignments and engages in activities connected with technology transfers, adaptation of technologies, development of new technologies and undertakes training of persons in areas related to the technological experiences transferred to Industry. The Technological processes are developed in the areas of Materials Technology, Environment Management Technology, Food Technology, Herbal Technology and Biotechnology. For your technological needs and/or further details please email mbd@iti.lk
A. M. Y. J. Mannapperuma / Jayathilaka / Wimalasooriya Director General (Acting) / Director-Planning / Director-Regional Development 615, Galle Road, Katubedda, Moratuwa 011 260 5323 , 011 260 5326-7 011 260 7002 idb@sltnet.lk www.idb.lk
Dr. A.M. Mubarak Director, CEO, ITI, 363, Baudhaloka Mawatha, Colombo 7 011 2379800 0112 379850 www.iti.lk
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22. Ministry of Fisheries and Aquatic Resources Development National Aquaculture Development Authority of Sri Lanka
The functions of the NAQDA
To develop aquaculture, aquaculture operations and culture-based fishries in perennial reservoirs and seasonal reservoirs, with a view to increasing fish production and fish consumption in the country To promote the creation of employment opportunities through the development of freshwater aquaculture, brackish water aquaculture, coastal aquaculture and mariculture. To promote the farming of high valued fish species including ornamental fish for export. To promote the optimum utilization of aquatic resources through environmental friendly aquaculture programs. To promote, facilitate and develop small, medium & large scale private sector investment in aquaculture. To manage, conserve and develop, having regard to the need to biodiversity, aquaculture, aquatic resources use for aquaculture and aquaculture operations and culture-based fisheries in perennial reserviors and seasonal reservoirs. To assist persons carrying on business as an importer, exporter, seller, distributor and supplier of aquatic resources and engaged in aquaculture and 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 operations and 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 info@naqda.gov.lk www.naqda.gov.lk
23. Vidatha Programme Ministry of Technology & Research

Technology Transfer Services
Empowering the communities, enabling them to productively make use of natural resources available in various areas in Sri Lanka, to create new products. Directing the community towards new innovations & technological products, by blending the traditional technologies with the modern technologies. Providing appropriate technological knowledge and backup necessary for this purpose. Directing the Scientific & Technological research institutes to focus on fulfilling the technology requirements of communities. Intervening in providing the newly created entrepreneurs who are equipped with knowledge & training, with loan facilities from Banks. Contributing towards the creation of an efficient community by creating an interest for modern technological methods such as the use of computers among the rural communities. Identifying new technologists and innovators created at village levels and including 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 natukorala@hotmail.com www.most.gov.lk
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24. Ministry of Fisheries & Aquatic Resources

National Aquatic Resources Development Authority (NAQDA)
Development Services
Development & Management activities for fresh water fish and inland fisheries 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
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 for both industrialists and the public Issue Environmental Protection License (EPL) Department of Wildlife Conservation Convention on International Trade in Endangered Species of Wild Fauna and Flora (CITES) in Sri Lanka Issue of Fisheries Licenses in reservoirs and tanks situated around protected areas under the Department of Wildlife Develop small scale enterprises through CBOs according to priorities of socio-economic problems point of view Forest Department Licensing of timber based industries, awareness activities on forest preservation
National Aquatic Resources Development Authority, No. 758, Besline Road, Colombo 07 011 267 5316 @ www.naqda.gov.lk @ www.gsmb.gov.lk
No. 82, Sampathpaya , Rajamalwatta Road, Battaramulla 011 288 2112-3 011 287 7292
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26. Ministry of Agriculture

Services for Agri Entrepreneurs
Ministry of Agricultural Development & Agrarian service provides Technical Assistance and guidance to entrepreneurs who are in Agricultural sector to initiate 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 harvesting programme Implementation of tree felling act Implementation of soil conservation act Sustainable Agricultural Water Management Project Popularization of plastic crates Promotion of Agro-Enterprises
27. SLEDB Sri Lanka Export Development Board

Export development programmes for small & medium enterprises (SMEs) to increase the awareness of the export potential and encourage and as sist 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 by development of exports and by making policy recommendations Formulating and implementing the National Export Development Plan and sectoral development plans Providing exporters with a viable overseas market Assisting the exporters to achieve trade efficiency by helping them resolve their problems, constraints in association with related agencies.
D. B. T. Wijeratne Director (Enterprise Development) Ministry of Agricultural Development & Agrarian services, 80/5, Rajamalwatta Rd, Battaramulla 011 288 7431 011 288 7431 @ bdtwij@hotmail.com www.mimrd..gov.lk @
Janaka Rathnayake - Chairman/ CE Rekha Hewaliyanage - Director-SME Division Dammika Jayawardena - Director-SME Division P. 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 ch@edb.tradenetsl.lk , rekha@edb.tradenetssl.lk www.ebd.tradenetsl.lk
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28. SLECIC Sri Lanka Export Credit Insurance Corporation

Export Performance Guarantees
EXPORT PERFORMANCE GUARANTEES offered by SLECIC to banks and other financial institutions are designed to reduce the risk of losses to the banks/ financial institutions when providing non-finance services, so as to continue and expand their export business. Export Performance Guarantees covering bid bonds / performance bonds These are counter-guarantees issued to banks / financial institutions and other financial institutions covering due performance by exporters when banks / financial institutions are called upon to provide Export Performance Guarantees covering due performance of export contracts viz. construction work, export of goods and services etc. Export Performance Guarantees covering ATA Carnet System These Guarantees are issued to International Chamber of Commerce Sri Lanka for exports to obtain ATA carnet documents from ICC Sri Lanka. ATA Carnet is an international customs document that permits duty free temporary import of goods. (e.g. gems & jewelery) abroad for a specific purpose such as trade fairs, exhibitions or as trade staples
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 15 technically 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)
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 @ info@slecic.lk , mohan@slecic.lk www.slecic.lk @
Duminda Ariyasinghe Executive Director (Investment Promotion) Level 26, West Tower, World Trade Center, Colombo 01. 011 242 7032 011 242 2407 dumindaa@boi.lk www.boi.lk
NEDA
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30. SLSI Sri Lanka Standards Institution

Standardization and Certification
Formulation of Sri Lanka Standards Specifications for Products and Services 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
31. Inventors Commission

Promotion and Encouragement of Innovativeness
SLIC is responsible for promotion and encouragement of innovativeness among Sri 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 inventors promotional publicity programme Development of inventions up to finished product level Setting up of village Inventors Circle. Manage national Invention Centre Promote Made in Sri Lanka Utilize Rebuilding the Nation through Inventions programme
Krishanthi Hendawitharana Actg Director (Marketing & Promotion) No 17,Victoria Place, Elvitigala Mw,Colombo 08 011 267 1567-72 Ext 320 011 269 4981 @ krish@slsi.slt.lk www.slsi.lk @
Prof. Mahinda Pathegama The commissioner SLIC, Ground Floor, 46/56, Lanlib Building, Nawam Mawatha, Colombo 2. 011-2394952 011-2437354 (Gen.) com@slic.gov.lk www.slic.gov.lk
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32. Ministry of Industry & Commerce

Establishing 300 new industries by starting at least one industry 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 administrative districts Not formed by the splitting up or reconstruction or acquisition of any undertaking 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 and maintained at the level for year of assessment (for Information Technology, Printing on paper or the manufacture of any packaging materials minimum employment is only 50) Benefits Exemption of Import Duty and VAT on import of new plan and machinery. Income Tax exemption for 05-10 years depending on the investment and the location of the project. Minimum Requirements: Same as Conditions A-D
33. NEDA National Enterprise Development Authority

Facilitate & Support SMEs in Sri Lanka
Formulate and support for Enterprise development policies. Co-ordination between decision markers and entrepreneurs from low level to upper level. Co-ordination between regional level enterprise forum to district Enterprise Forum 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 business opportunities. Identification and Development of Geographical Clusters. Identification of market opportunities and direct the entrepreneurs to the potential market. Introduction to trade fairs to upgrade the enterprise and services. Productivity improvement programmes, Management, Technological and Energy Services for the Enterprise.
Lakshman Wijeyawardena Director National Enterprise Development Authority, Level 2, West wing, Ceylinco House, Janadhipathi Mawathe, Colombo 01 011 243 9843 011 243 7400 @ info@neda.lk , director@neda.lk www.neda.lk
Public Relation Officer Ministry of Industry and Commerce No. 73/1, Galle Road, Colombo 03, Sri Lanka 011 243 5105 011 244 9402 @ www.industry.gov.lk
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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-date statistical information. (Doing surveys in every ten year) Census survey 2010 Industrial survey 2013
35. Divisional Secretariat Office

Business Registration Service
Eligibility: A business established by an individual or a firm within the limits of a Particular Divisional Secretariat area. Obtain Application from Business Registration Section of Divisional Secretarys Office Submit the completed Application Form along with the relevant documents. Business Registration Section, Divisional Secretarys Office Divisional Secretarys office forwards the application for the recommendation of Grama Niladari After the recommendation of Grama Niladari, if required, field inspection carried out by the Development Officer of Divisional Secretarys office. Approval Divisional Secretary. After the payment of fee to the Shroff, Administrative Officer signs the Certificate of Business Registration. Applicant obtains the Certificate of Business Registration.
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 0187 Other Areas - 1919 Government Information Centre
www.gov.lk

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Acknowledgements A guide towards a better business

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

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

Contents by institutional setup

1. DFCC Bank ............................................................

2. NDB Bank ............................................................... 12

3. Bank of Ceylon .....................................................

9. 10. 11. 12. 13. 14. 15. 16.

4. Lankaputhra Development Bank......................... 35

6. RDB Regional Development Bank ................

5. Peoples Bank ....................................................... 40

23. 24. 25. 26. 27.

7. SANASA Development Bank ................................ 95

10. Commercial Bank ............................................. 122

11. Central Bank Refinanced Schemes ................

8. Sampath Bank ..................................................

4. 5. 6. 7. 8. 9. 10. 11. 12.

9. Hatton National Bank PLC ...............................

12. 13. 14. 15. 16.

Section 1 Financial Institutions

1. SAUBAGYA Prosperity Loan Scheme

4 DASUNA Revolving Fund

Loan Amount Rate of Interest Payment Period Securities Others

2. NDB Bank 1. DASUNA Revolving Loan Scheme for Southern Province

NDB Bank PLC

Trincomalee, Batticaloe and Ampara districts only

Rate of Interest Payment Period Securities

Loan Amount Rate of Interest Payment Period Securities

Rate of Interest Payment Period Securities

Others W.A.C. Tisserra

Target Group Loan Amount Rate of Interest Payment Period Securities

Others W.A.C. Tisserra

4. Lankaputhra Development Bank

Lankaputhra Development Bank

Lankaputhra Development Bank

Lankaputhra Development Bank

Lankaputhra Development Bank

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Rate of Interest 12 % p.a. Refinance

Repayment Period Securities

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Repayment Period Securities

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Swarna Weerasinghe Chief Manager- Development & Micro Finance

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

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Rate of Interest 12%p.a

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Rate of Interest 12%p.a

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Swarna Weerasinghe Chief Manager- Development & Micro Finance

Swarna Weerasinghe Chief Manager- Development & Micro Finance