Micro Finance

Micro Finance


In 1989, HNB introduced its own micro financing program known as Gami Pubuduwa (village awakening) to extend financial services to self-employment projects and other micro enterprises in rural areas.

The uniqueness of this scheme is that it revolves around field officers known as Gami Pubudu Upadeshaka (GPU) who closely associate with the rural community, identify their strengths and opportunities and make suitable financial proposals to promote successful micro entrepreneurs.

The Gami Pubuduwa scheme has now become one of the most successful micro-finance programs implemented by a commercial bank in Sri Lanka, and was recognized by the World Bank. 


Micro Finance products

Poverty Alleviation Microfinance Project

For finance  agriculture, cottage industries, livestock farming, fisheries, trade and services up to Rs. 200,000 under a group loan system. Offered at an interest rate of 12% per annum.

Southern Province Rural Economic Advancement Project Credit Scheme

The scheme provides micro financing for income generating activities exclusively in the Southern Province for up to Rs. 5 Million at an interest rate of 10.5% per annum.

Small & Micro Industries Leader and Entrepreneur Promotion Project

For manufacturing and service industries to be financed up to Rs. 7.5 million under this scheme at an interest rate of 8% per annum.

Small Holder Plantations Entrepreneurship Development Programme

Tea and rubber-based small industries and small industries operated by farmer organizations can be financed up to Rs. 7.5 Million through this scheme at an interest rate of 7% per annum.

Self-Employment Promotion Initiative Loan Scheme

For start-up self-employment projects initiated by Youth who pass out from vocational training institutions with NVQ (National Vocational Qualifications) are financed by this scheme up to a maximum loan amount of Rs. 500,000/- at an interest rate of 9% per annum.

Micro Insurance Scheme

HNB with HNB Assurance offers Micro Insurance as a value addition to any micro entrepreneur who wishes to obtain credit facilities under the Micro & Agro credit schemes. 

Micro Finance

How can I get this product?


Do you have more questions?

Call us at

0112 462 462

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