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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.
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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)
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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.
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
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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
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
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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
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
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
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
NEDA go to index http://www.neda.lk/smefgb
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
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
NEDA go to index http://www.neda.lk/smefgb
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
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
NEDA go to index http://www.neda.lk/smefgb
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
NEDA go to index http://www.neda.lk/smefgb
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
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
NEDA go to index http://www.neda.lk/smefgb
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
NEDA go to index http://www.neda.lk/smefgb
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
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
NEDA go to index http://www.neda.lk/smefgb
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
NEDA go to index http://www.neda.lk/smefgb
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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
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)
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
NEDA go to index http://www.neda.lk/smefgb
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
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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
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
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
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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
http://www.neda.lk/smefgb
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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
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
http://www.neda.lk/smefgb
NEDA
go to index
http://www.neda.lk/smefgb
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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
Target Group Loan Amount Rate of Interest Payment Period Securities Others
Target Group Loan Amount Rate of Interest Payment Period Securities 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 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
http://www.neda.lk/smefgb
NEDA
go to index
http://www.neda.lk/smefgb
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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
Target Group Loan Amount Rate of Interest Payment Period Securities Others
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 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
http://www.neda.lk/smefgb
NEDA
go to index
http://www.neda.lk/smefgb
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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
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
http://www.neda.lk/smefgb
NEDA
go to index
http://www.neda.lk/smefgb
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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
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
go to index
http://www.neda.lk/smefgb
NEDA
go to index
http://www.neda.lk/smefgb
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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
Target Group Loan Amount Rate of Interest Payment Period Securities Others
Loan Amount
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
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
Securities
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
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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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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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
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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.
Lalith Liyanage Executive, Marketing & Business Development Lankaputhra Development Bank 80, Nawala Rd, Nugegoda. 0112 821031 0112 821020 @ lalithl@lankaputhra.lk www.lankaputhra.lk @
011 248 1348 , 011 248 1461 011 233 0083 , 011 243 4780 devfin@peoplesbank.lk www.peoplesbank.lk
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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
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
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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.
011 248 1348 , 011 248 1461 011 233 0083 , 011 243 4780 @ devfin@peoplesbank.lk www.peoplesbank.lk
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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.
011 248 1348 , 011 248 1461 011 233 0083 , 011 243 4780 @ devfin@peoplesbank.lk www.peoplesbank.lk
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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.
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.
011 248 1348 , 011 248 1461 011 233 0083 , 011 243 4780 @ devfin@peoplesbank.lk www.peoplesbank.lk
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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.
011 248 1348 , 011 248 1461 011 233 0083 , 011 243 4780 @ devfin@peoplesbank.lk www.peoplesbank.lk
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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.
011 248 1348 , 011 248 1461 011 233 0083 , 011 243 4780 @ devfin@peoplesbank.lk www.peoplesbank.lk
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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.
011 248 1348 , 011 248 1461 011 233 0083 , 011 243 4780 @ devfin@peoplesbank.lk www.peoplesbank.lk
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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
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.
011 248 1348 , 011 248 1461 011 233 0083 , 011 243 4780 @ devfin@peoplesbank.lk www.peoplesbank.lk
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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
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)
011 248 1348 , 011 248 1461 011 233 0083 , 011 243 4780 @ devfin@peoplesbank.lk www.peoplesbank.lk
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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
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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
Department of Development & Micro Finance 9th Floor, Peoples Bank Head Office, Sir Chittampalam A Gardiner Mawatha, Colombo 2.
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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
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.
Rate of Interest
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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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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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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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 @
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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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
NEDA go to index http://www.neda.lk/smefgb
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
NEDA go to index http://www.neda.lk/smefgb
77
78
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
NEDA
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79
80
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
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 @
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
NEDA
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81
82
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
NEDA
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83
84
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 @
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
NEDA
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NEDA
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85
86
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 @
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
NEDA
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NEDA
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87
88
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 @
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
NEDA
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NEDA
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89
90
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
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 @
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
NEDA
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NEDA
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91
92
Purpose Target Group Conditions Loan Amount Rate of Interest Payment Period Securities Others
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
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 @
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
NEDA
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NEDA
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93
94
Target Group
Conditions
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 @
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
NEDA
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http://www.neda.lk/smefgb
NEDA
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95
96
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
NEDA
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97
98
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
NEDA
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NEDA
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99
100
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
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
NEDA
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101
102
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
K.K.S.U. Kumara Credit Manager No.12, Edmonton Road, kirulapone,Colombo 06 011 2832531 011 2514251 @ creditd@sdb.lk www.sdb.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
NEDA
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103
104
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
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 @
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
NEDA
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105
106
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
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
NEDA go to index http://www.neda.lk/smefgb NEDA go to index http://www.neda.lk/smefgb
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
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
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110
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
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
NEDA
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111
112
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.
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
NEDA
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114
Target Group Loan Amount Rate of Interest Payment Period Securities Others
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
NEDA
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115
116
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
Securities Others
Securities Others
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
NEDA
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117
118
Target Group Loan Amount Rate of Interest Payment Period Securities Others
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
NEDA go to index http://www.neda.lk/smefgb
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
NEDA
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119
120
Target Group Loan Amount Rate of Interest Payment Period Securities risk elements. Others
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
NEDA
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122
Target Group
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
NEDA
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124
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.
Target Group
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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126
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
E A Hettiarachchi Director Regional Development Department, Central Bank of Sri Lanka, No. 30, Janadhipathi Mawatha, Colombo 01
E A Hettiarachchi Director Regional Development Department, Central Bank of Sri Lanka, No. 30, Janadhipathi Mawatha, Colombo 01
011-2477447 011-2477734
@
011-2477447 011-2477734
@
agit@cbsl.lk www.cbsl.lk
NEDA go to index http://www.neda.lk/smefgb
agit@cbsl.lk www.cbsl.lk
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129
130
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
E A Hettiarachchi Director Regional Development Department, Central Bank of Sri Lanka, No. 30, Janadhipathi Mawatha, Colombo 01
E A Hettiarachchi Director Regional Development Department, Central Bank of Sri Lanka, No. 30, Janadhipathi Mawatha, Colombo 01
011-2477447 011-2477734
@
011-2477447 011-2477734
@
agit@cbsl.lk www.cbsl.lk
NEDA go to index http://www.neda.lk/smefgb
agit@cbsl.lk www.cbsl.lk
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131
132
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
@
agit@cbsl.lk www.cbsl.lk
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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
E A Hettiarachchi Director Regional Development Department, Central Bank of Sri Lanka No. 30, Janadhipathi Mawatha, Colombo 01
E A Hettiarachchi Director Regional Development Department, Central Bank of Sri Lanka No. 30, Janadhipathi Mawatha, Colombo 01
011-2477447 011-2477734
@
011-2477447 011-2477734
@
agit@cbsl.lk www.cbsl.lk
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agit@cbsl.lk www.cbsl.lk
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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
E A Hettiarachchi Director Regional Development Department, Central Bank of Sri Lanka No. 30, Janadhipathi Mawatha, Colombo 01
E A Hettiarachchi Director Regional Development Department, Central Bank of Sri Lanka No. 30, Janadhipathi Mawatha, Colombo 01
011-2477447 011-2477734
@
011-2477447 011-2477734
@
agit@cbsl.lk www.cbsl.lk
NEDA go to index http://www.neda.lk/smefgb
agit@cbsl.lk www.cbsl.lk
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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
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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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
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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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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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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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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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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
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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
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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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National Aquatic Resources Development Authority, No. 758, Besline Road, Colombo 07 011 267 5316 @ www.naqda.gov.lk @ www.gsmb.gov.lk
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No. 82, Sampathpaya , Rajamalwatta Road, Battaramulla 011 288 2112-3 011 287 7292
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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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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
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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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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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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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