Amount
500K – 25M
Products
Credit, savings, and a real person on the other end.
Every product below is offered at all fourteen branches and through our Colombo head office. Rates are reviewed monthly and published on this page. If you're not sure which product is right for you — call us and we'll help you decide, free of charge.
photo · customer signing at branch
5 products
01 · Flagship
Business loans, sized for Sri Lankan SMEs.
From working-capital cushions to equipment and expansion finance — LKR 500,000 up to LKR 25M, with decisions in 48 hours and repayment plans that flex around your trading cycle.
Interest p.a.
From 14.5%
Tenor
12 – 60 months
Decision
48 hours
- Collateral and non-collateral options available, assessed individually.
- Monthly, quarterly, or seasonal repayment plans — you choose.
- Free site visit and credit consultation before any paperwork is signed.
- One dedicated relationship manager for the full life of the loan.
photo · workshop floor
Fastest decisions in the industry
How it works
- 15-minute call or branch visit to discuss what you're funding.
- We collect documents and conduct a free site visit.
- Offer letter in your hands within 48 hours.
- Funds disbursed on signing, direct to your business account.
photo · family at home
24-hour approvals
02
Personal loans for the plans you can't put off.
Weddings, education, an overdue hospital bill, or simply a long-planned trip — borrow from LKR 100,000 to LKR 5M and repay in monthly instalments that fit your salary.
Amount
100K – 5M
Interest p.a.
From 16.9%
Tenor
6 – 48 months
Decision
24 hours
- Salaried and self-employed applicants both welcome.
- Early-settlement discount — we reward paying down faster.
- No hidden fees. The offer letter lists every charge, every time.
03
Mortgage loans to build, buy, or renovate.
Long-tenor financing at rates that have consistently tracked below market average. Especially loved by first-time homebuyers in the Western and Southern Provinces.
Amount
1M – 50M
Interest p.a.
From 13.5%
Tenor
Up to 20 years
LTV
Up to 75%
- Fixed, variable, or step-up repayment plans.
- Free property valuation and legal review by our panel lawyers.
- Top-up loans available after 24 months of on-time repayment.
photo · suburban home exterior
Up to 20-year tenor
photo · gold jewellery on scale
Same-day cash
04
Gold loans, 40 minutes from arrival to cash.
Secure, insured storage at every branch. Loans against jewellery from LKR 10,000 to LKR 2M. Redeem in full or in parts whenever you like.
Amount
10K – 2M
Interest p.m.
From 1.25%
Tenor
1 – 12 months
Process time
40 minutes
- Dual-lock, insured vaults at every branch — audited quarterly.
- Partial redemption at any point, without penalty.
- SMS reminders before maturity so you never lose an article.
05
Fixed deposits that pay you to plan ahead.
Competitive interest, flexible tenors, and interest paid monthly, annually, or on maturity — whichever suits your cashflow. We haven't missed an interest payment in 17 years.
Rates — April 2026
| Tenor | Interest payable | Rate p.a. |
|---|---|---|
| 3 months | On maturity | 10.25% |
| 6 months | On maturity | 11.50% |
| 12 months | Monthly | 12.75% |
| 12 months | On maturity | 13.00% |
| 24 months | Monthly | 12.25% |
| 60 months | On maturity | 11.50% |
photo · retired couple with branch manager
17 years, zero missed payments
Open a fixed deposit
- Visit any branch with your NIC and proof of address.
- Choose tenor and interest frequency.
- Transfer or deposit funds — minimum LKR 50,000.
- Receive your certificate on the spot.