At Sampath Bank, we expand our services to help meet your needs. We offer a variety of loan schemes especially for Small and Medium Scale Entrepreneurs. These include ADB SMELoC 2 Working Capital Financing, ADB SMELoC Additional Financing III, SMILE III Revolving Fund , Manusavi Loan Scheme , New Comprehensive Rural Credit Scheme (Sarusara), E-FRIENDS II Revolving Fund, Pledge Loan Scheme (Maha Season -2024/2025), Stimulate package for re-energizing MSME sector in Sri Lanka & Kapruka Ayojana loan scheme. Our aim is to fulfil your dreams and desires in making your business thrive.

ADB SMELoC 2 Working Capital Financing

• Maximum sub-loan amount is Rs.10.0 Mn per MSME.
• Interest rate of 8.0% p.a.
• Maximum repayment period of 3 Years including 6 months grace period.

SMILE III Revolving Loan Scheme

• Loans under SMILE III Revolving fund can be obtained as General loans or Technical Assistance Loans.
• Maximum loan amount for General Loan Scheme - Rs.25.0 Mn per eligible industrial enterprise.
• Interest rate of 8.0% p.a. for General Loan Scheme.
• Maximum repayment period of 10 years including a grace period of 2 years for General Loan Scheme.
• Maximum loan amount for Technical Assistance Loan Scheme - Rs. 2.5 Mn per eligible industrial enterprise.
• Interest rate of 5.0% p.a. for Technical Assistance Loan Scheme.
• Maximum repayment period of 05 years including a grace period of 3 months for Technical Assistance Loan Scheme.

MANUSAVI LOAN SCHEME (Multipurpose Loan Scheme for  Sri Lankan Migrant Workers )

• Maximum individual loan amount should be Rs.2.0 Mn.
• Interest rate of 8.0% p.a.
• Maximum repayment period of 03 years (No Grace Period)

NEW COMPREHENSIVE RURAL CREDIT SCHEME (SARUSARA)

• Loans under New Comprehensive Rural Credit Scheme -NCRCS (Sarusara) Scheme Credit facilities can be obtained for Cultivation of Short-Term Crops, Cultivation of Nurseries of Short-Term Crops, Home Gardening, Warehouse Receipt Financing.
• Loan amount will be determined by the type of crop and the extent of land to be cultivated.
• Maximum loan amount for Cultivation of Short-Term Crops per farmer is Rs. 3,000,000.00. Loan amount of the borrower should be determined as per scales of finance and extent of lands of each crop.
• Maximum eligibility for Cultivation of Nurseries of Short-Term Crops is Rs.500,000/-
• Maximum eligibility for home gardening is Rs.100,000/-
• Maximum eligibility for Warehouse Receipt Financing, Farmers are allowed to obtain up to 50 per cent of the current market value of the stored commodities. The only purpose of keeping crops in the warehouse shall be to sell them to a selected buyer at a higher price during or at the end of the stipulated period.
• Interest rate applicable to borrower shall be the rate of (AWPLR + 1.5%) - 5%
• The maximum duration of loan repayment is 270 days except the Sugarcane and Turmeric.
• The maximum loan repayment period for Sugarcane and Turmeric is 365 days. No grace period and one-off payment.

E- FRIENDS II REVOLVING LOAN SCHEME

• Loans under E Friends Scheme can be obtained as General loans or Technical Assistance Loans
• Maximum loan amount for General Loan Scheme - Rs.30.0 Mn per eligible industrial enterprise
• Interest rate of 6.5% p.a. for General Loan Scheme
• Maximum repayment period of 10 years including a grace period of 2 years for General Loan Scheme
• Maximum loan amount for Technical Assistance Loan Scheme - Rs. 1.0 Mn per eligible industrial enterprises
• Interest rate of 2.0% p.a. for Technical Assistance Loan Scheme
• Maximum repayment period of 05 years including a grace period of 1 year for Technical Assistance Loan Scheme

KAPRUKA AYOJANA LOAN SCHEME (For Coconut Cultivation)

• The maximum individual loan amount should be Rs. 3.0Mn
• Interest rate of 8.0% p.a.
• Maximum repayment period of 05 years including a grace period of 12 months (Grace period is subject to the approval of Coconut Cultivation Board)

ADB SMELoC Additional Financing III

• The maximum sub-loan amount is Rs.50.0 Mn per MSME.
• Interest rate of 10.0% p.a.
• Maximum repayment period of 5 Years including 1 year of grace period.

Pledge Loan Scheme (Maha Season - 2024/2025)

• Loans under Pledge Loan Scheme can be obtained at a concessionary interest rate to the small & medium scale (SME) paddy millers and corporative societies to purchase paddy in Maha season 2024/2025 in order to ensure a reasonable price for paddy harvest of farmers.
• Maximum eligible loan amount is Rs.50.0 Mn per SME paddy miller & corporative societies.
• Interest rate of 7.0% p.a.
• Maximum repayment period of 180 days.
• The loan scheme will be terminated on the on the 15th of May 2025.

Stimulate package for re-energizing MSME sector in Sri Lanka

The scheme has two main components:

• Component I: strengthening the Existing MSMEs and Start-ups.
• Component II: supporting MSMEs in the NPL category.

Component I: strengthening the Existing MSMEs and Start-ups
• Maximum loan amount is Rs. 15 mn per MSME.
• Interest rate of 7.0 % p.a
• Maximum repayment period of 10 years including maximum of 12 months grace period.

Component II: supporting MSMEs in the NPL category
• Maximum loan amount is Rs. 5 mn per MSME.
• Interest rate of 8.0 % p.a
• Maximum repayment period of 5 years including maximum of 6 months grace period.

ADB SMELoC 2 Working Capital Financing

Eligible Borrowers

1. Registered MSME whose annual turnover is below Rs. 1.0 bn and the number of employees is below 200.
2. Sub-loans should be provided only for targeted MSMEs in Agriculture, Tourism, Manufacturing, Technology & Export-oriented sectors.
3. Eligible only for Working Capital loans.

SMILE III Revolving Loan Scheme

Eligible Borrowers

The investment in fixed assets, excluding land and buildings (owned or leased) at original book value should not exceed Rs. 150.0 Million on completion of the subproject.

Eligible Sector

• Manufacturing and industrial sub-sectors

Eligible Purpose

• Purchasing of Machinery

MANUSAVI LOAN SCHEME

Eligible Borrowers

The eligible borrower shall,

• be a Sri Lankan citizen employed abroad with a valid employment contract for a fixed term not less than one year.
• have a valid registration with Sri Lanka Bureau of Foreign Employment.
• hold an individual or joint Personal Foreign Currency Account (PFCA) with the bank.
• remit earnings of the foreign employment to the PFCA with the bank(minimum 3 months remittances should be credited to the bank).

Eligible Expenditure

• Commencing/expanding a business
• Purchasing/expanding/constructing a house
• Purchasing a land or vehicle
• Spending for education of children

NEW COMPREHENSIVE RURAL CREDIT SCHEME (SARUSARA)

Eligible Borrowers

• Small-scale farmers

Eligible Expenditure

• Cultivation of Short-Term Crops and their Nurseries, Cultivation of Paddy, Chilies, Onion, Pulses, Oil Seeds, Root & Tubers, Vegetable and other short-term crops i.e. Ginger, Sugarcane and Turmeric (Eligible crops and scale of finance will be as per the schedule circulated by CBSL)
• Home Gardening
• Warehouse Receipt Financing

E- FRIENDS II REVOLVING LOAN SCHEME

• Eligible Projects

The investment in fixed assets, excluding land and buildings (owned or leased) at original book value should not exceed Rs. 250.0 Million on completion of the project.

• Eligible Expenditure
• Equipment for end-of-pipe treatment and equipment that will lead to reduced emissions or to a lower production of wastes by the enterprises thereby enabling them to comply with the National Environment standards;
• Equipment that leads to substantial reduction in the use of resources by existing equipment & machinery, or the phasing out of hazardous substances;
• Equipment that will substantially improve the safety of work places, especially with regard to the exposure of workers to potentially hazardous substances or noise, etc;
• Investments related to the relocation of highly polluting industries to special industrial estates that are equipped with waste treatment plants and investments by enterprises that set up and operate such treatment plants; and
• Equipment for the monitoring of pollutants in connection with (a), (b), (c) or (d).
• Installation of Solar power systems only for manufacturing industries are eligible upto Rs.10 mn for maximum capacity of 50kw.

KAPRUKA AYOJANA LOAN SCHEME (For Coconut Cultivation)

• Eligible Borrowers
• An owner, lessee or a person having the legal right to undertake the proposed development upon submission of proof thereof of. ½ an acre or more land.
• In the case of leases the period of lease should be not less than 2 years in excess of the maturity period of the loan

• Eligible Expenditure
• Coconut planting with intercropping
• Replanting with intercropping
• Coconut mono-cropping
• Intercropping
• Establishment of Agro wells/Tube Wells/Deep Wells
• Establishment & Maintain of nurseries to provide planting materials for Intercropping
• Provision of Farm Machineries
• Constructions of cattle/Goat/Sheep Sheds
• Crop Protection Loans

ADB SMELoC Additional Financing III

• Eligible Borrowers
• The enterprises must be registered. Borrowers who are not formally registered may qualify to obtain loans if they can submit evidence that its business registration application has been accepted by the Registrar of Companies or the respective local government authority.
• Borrowers (the parent company and any subsidiaries) must have an annual turnover less than Rs.1000 million and less than 200 employees.

• Eligible Sectors
• Agriculture
• Agro Processing
• Manufacturing
• Fisheries
• Tourism
• Animal Husbandry
• Export Oriented Businesses.
• Trading, Leasing and Renting businesses are excepted.
• Eligible Purpose
• Long-term Investments  



-Construction work related to business

-New construction of a start-up business

-Expansion of existing business

• To install a Solar Panel System for the business premises.
• Leasing facilities can be considered under the scheme after obtaining prior approval from LPD for machinery and equipment but not for vehicles.
• Loans to purchase lands are not permitted.

Pledge Loan Scheme (Maha Season - 2024/2025)

• Eligible Borrowers
• Small & Medium scale (SME) paddy millers and corporative societies, subject to the maximum daily paddy milling capacity of 25MT per day.
• In addition such borrowers should have a valid business registration obtained from a relevant government institution

• Eligible Purpose

To purchase paddy in Maha season 2024/2025 only.

Stimulate package for re-energizing MSME sector in Sri Lanka

• Eligible Customers

Component I: strengthening the Existing MSMEs and Start-ups

• MSME whose turnover of the previous financial year is below Rs. 1,000 million and the number of employees is below 200 (need to satisfy both conditions).
• The enterprises must be registered.
• Eligible only for Investment purpose loans.

Component II supporting MSMEs in the NPL category

• MSME whose turnover of the previous financial year is below Rs. 1,000 million and the number of employees is below 200 (need to satisfy both conditions)
• MSMEs that are in operational level but classified as Non-Performing Borrowers due to unsettlement of existing loans as a results of the recent economic downturn are eligible for obtaining loans under this component.
• Eligible only for Working Capital loans.

• Eligible Sectors
• Manufacturing
• Construction
• Export oriented
• Tourism
• Apparel
• Agriculture and Agro base industries