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Rural Credit Products

• NCRCS (New Comprehensive Rural Credit Scheme)
  NCRCS loan scheme provides financial assistance to cultivate short term crops such as Paddy, Chillies, Onion, Soya bean and upcountry vegetables up to LKR 280,000/- at 8% pa. These loans are to be fully repaid within 240 days. Production of seeds and planting material on a commercial scale and purchase of agricultural produce under forward sales contract system could be financed up to LKR 5 Mn at 8% pa and LKR 50 Mn at 10% pa + 2% com. respectively.


• Kapruka Ayojana Credit Scheme (Coconut Development)
  Coconut plantation, intercropping, replanting, nursery development and purchase of farm equipment are eligible for financing under this scheme. Loans up to LKR 10 Mn at 12% pa with a repayment period of up to 5 years are available under 'Kapruka Ayojana' scheme.


• Development Credit Scheme Development scheme offers financial assistance for short term and perennial crop cultivation, farm machinery, fisheries, animal husbandry and other income generating agro based development activities. The loan amount and repayment period can be arranged to suit the project cash flow.


• Krushi Nawodaya Credit Scheme
  Krushi Nawodaya loan scheme provides financial assistance to improve the income generating activities of small farmers and others engaged in self-employment activities in the agricultural sector. The maximum loan amount is LKR 100,000/- at 8% pa and the maximum loan repayment period will be 3 years inclusive of grace period. However, exclusively for Drip Irrigation projects, the maximum loan amount is LKR 350,000/-.


• Agro Livestock Development Loan Scheme
  ALDL scheme assists small scale dairy farmers with funds for the construction of cattle sheds, purchase of cows, storage facilities and dairy and agro processing equipment, as well as up to LKR 400,000/- at 8% pa. ALDL scheme also provides financial assistance of up to LKR 300 Mn to private sector companies for milk processing plants and the agro processing industry.