Dumbara Micro Credit

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Loans

Purpose: Finance for construction, repairs, or renovation.


Amount: Rs. 100,000 to Rs. 400,000


Tenure: 12 to 48 months
Interest Rate: Based on amount & repayment capacity
Security: Guarantors/Mortgage/2nd MortgageEligible Extents:

  • Water well digging
  • Housing repairs
  • Land purchase
  • Renovations

Purpose: To empower individuals and businesses with the financial support needed to start or grow income-generating activities, enhancing economic stability and self-sufficiency.

Max. Amount : Rs. 200,000
Max. Tenure: 24 months
Interest Rate: 20% (Annual)
Security: Guarantors/Mortgage/2nd Mortgage

Interest Rate: 20% (Annual)

Eligible Extents:

  • Person with a permanent income is eligible

Purpose: Enhance product quality, efficiency, and business expansion.
Amount: Rs. 100,000 to Rs. 500,000
Tenure: 12 to 48 months
Interest Rate: Based on amount & repayment capacity
Security: Guarantors/Mortgage/2nd Mortgage

Eligible Extents:

  • Energy Supply
  • Technology
  • Solar Panel Installation
  • Heavy Metal Fixtures
  • Manufacturing Plants Installation

Purpose: To finance working capital and urgent financial needs.


Amount: Rs. 25,000 to Rs. 100,000
Tenure: 3 to 18 months
Interest Rate: Based on amount & repayment capacity
Security: Guarantors/Mortgage/2nd Mortgage

Eligible Extents:

  • Buy Farming Animals
  • Buy Raw Materials
  • Working Capital Requirements

Purpose: To finance the purchase of machinery and equipment for new and expanding businesses.
Amount: Rs. 25,000 to Rs. 150,000
Tenure: 3 to 24 months
Interest Rate: Based on amount & repayment capacity
Security: Guarantors/Mortgage/2nd Mortgage

Eligible Extents:

  • Jucki Machines
  • Wood Cutting Machines
  • Cement Block Making Machines
  • Coconut Husk Chipper Machines

Purpose: To finance the purchase of machinery and equipment for business expansion.
Amount: Rs. 100,000 to Rs. 500,000
Tenure: 3 to 24 months
Interest Rate: Based on amount & repayment capacity
Security: Guarantors/Mortgage/2nd Mortgage

Eligible Extents:

  • Kotthu Cutting Machines
  • Nescafe Machines
  • Ice-Cream Machines
  • Rice Steamers
  • Chips Making Machine

Purpose: To reduce transportation costs by purchasing a vehicle relevant to the business.
Amount: Rs. 25,000 to Rs. 500,000
Tenure: Up to 60 months
Interest Rate: Based on amount & repayment capacity
Security: Guarantors/Mortgage/2nd Mortgage

Eligible Vehicle Categories:

  • Lorry
  • Tractor
  • Van
  • Buses

Eligible Extents:

  • Transportation of raw materials/finished goods
  • Business location transportation
  • Agricultural vehicles/machines
  • Hiring purposes or Private use

Purpose: Meet life’s challenges efficiently without reducing your resources.

Amount : Up to Rs. 500,000
Tenure: Up to 36 months
Security: Guarantors/Mortgage/2nd Mortgage

Interest Rate: Based on amount & repayment capacity

Eligible Extents:

  • Settlement of outstanding loans from other companies
  • Payment of credit card balances
  • Purchase of 2W & 3W
  • Higher education needs
  • Fund weddings or social functions
  • Purchase of household goods (furniture, fittings, appliances)
  • Overseas travel for business or education