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Our Loan Schemes
  • National Agribusiness Development Program (NADeP)   
  • Saubagya Loan Scheme (100  % refinance from CBSL)



The Nation Agribusiness Development Programme (NADeP) is implemented by the Development and Special Project Division under Presidential Secretariat of Sri Lanka and it has been funded by a credit facility from the International Fund for Agricultural Development(IFAD). The program collaborates with private sector entities (companies, partnerships and sole properties) or Farmer Based Organizations(FBOs) to undertake partnership ventures in the value chain development and marketing linkages by targeting the small holder agri-producers.


Post-Disaster Economic Recovery Loan (PEARL) Program under NADEP


With the intention of supporting post-disaster recovery efforts of the businesses/small enterprises which were affected by the recent floods and droughts, the “Post-Disaster Economic Recovery Loan (PEARL) Scheme which is implemented by the Project Management Unit (PMU) operated under the Presidential Secretariat and funded by the International Fund for Agricultural Development (IFAD). The Regional Development Department (RDD) of the Central Bank of Sri Lanka (CBSL) acts as the Executing Agency of the Loan Scheme.

As the first tranche for the implementation of the Loan Scheme, the Program has allocated USD 3.4mn. PMU expects to complete the disbursement of funds by the end of August 2017. The second tranche of funds will be made available by the Program for this loan scheme by the end of September 2017. Banks are required to disburse the total amount of funds allocated under the Loan Scheme by the end October 2017 as per the terms and conditions.


The Objectives of the Scheme

The primary objective of the Loan Scheme is to support borrowers (individual or group of individuals) in their post-disaster recovery efforts of the businesses/small enterprises affected by recent flood and drought, by providing the fund requirements to resume their businesses or income generating activities.


Cow sheds before and after NADeP




Milking machines and grass cutters given to farmers through NADeP



Areas of Operation

Areas affected by Floods

Following flood affected districts as decided by the PMU are Kegalle, Rathnapura, Galle, Hambantota, Matara, Nuwara Eliya, Kalutara, Gampaha, Colombo.

However, the whole country is considered as drought affected for the purpose of this program.


Basic Features of the Loan Scheme

1.) Maximum Sub-Loan Limit:  Rs.150,000/=


2.) Eligibility:

Any business/small enterprise which have been affected by recent flood/and drought in the areas specified as above, which is in need of funds to recommence this operation.


3) Refinance:

The CBSL will provide refinance for the sub loans, up to 100 per cent of the amount disbursed by PFIs.


4) Interest Rate

To PFIs :                     3.25 per cent per annum

To End-Borrowers:    6.50 per cent per annum


5) Collateral:

The viability of the business/small enterprise activity should be given priority. In addition, any substitute collateral such as inter-se guarantee of two other borrowers or two personal guarantors acceptable to the PFIs, can be considered as collateral under this.



Saubagya Loan Scheme

This scheme is to provide financial assistance to new & existing Small & Medium Enterprises (SME) and recommencement of functions of calamity affected SME projects.


Project Area

All districts in the Island


You can apply if

• You are a citizen of Sri Lanka.
• You are within the age group of 18-55 residing permanently within the project area.
• You are not a defaulted borrower or a guarantor of a defaulted loan previously obtained from any financial or non-financial institutions.
• Your business is conducted in conformity with the laws and regulations and environmental rules and regulations prevailing and in force in Sri Lanka.
• At least 15 percent of estimated sub project cost will be provided by the borrower as equity in cash or in any kind
• The Bank is satisfied that the proposed project has a sound cash flow and a good repayment capacity.
• Collateral could be provided (if any), as determined by the Bank

Interest Rate

8 % p.a

You can borrow

• Rs. 25 Mn (maximum) for Agriculture, livestock, other micro, small and medium scale enterprises
• Rs. 20 Mn for micro, small and medium scale enterprises that were affected by disaster
Repayment Period
60 months including grace period of 06 months (interest will be charged during the grace period)


  • Two personal Guarantors acceptable to the Bank
  • Mortgage over immovable or movable property Securities acceptable to the Bank



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