DFCC Bank PLC · Personal Loan

SMILE III

#3 of 49 · Lower than 84% of personal loans that publish a rate.

Interest rate p.a.: 8%
Maximum amount: LKR 5M
Maximum term: 10 yrs

Rates and terms last verified 28 August 2025. Confirm the current terms with the bank.

Tell us what you need and we will check which banks and finance companies on our panel could take your application. We are not a bank and do not lend. Approval and final terms are decided by the bank or finance company.

Features

Smile III Revolving Fund is a general loan scheme designed to support the manufacturing industries and industry related service sectors.

Who can apply

Small and Medium Scale sole proprietorship, partnership, cooperative society, limited liability company, or any other privately owned enterprise for start-up or expansion
The investment in fixed assets (at original book value, excluding land and buildings owned or leased) should not exceed Rs.100Mn on completion of the sub-project.
Minimum equity contribution of 25%

Documents you'll need

Duly filled Loan Application

Interest rate p.a.

Check My Eligibility

SMILE III: common questions

What is the interest rate on the SMILE III?

DFCC Bank lists 8% per annum for the SMILE III. Lower than 84% of personal loans that publish a rate.

How much can I borrow, and for how long?

The SMILE III goes up to LKR 5M, repaid over up to 10 yrs. The amount you are approved for depends on your income and existing repayments.

Who is eligible for the SMILE III?

Small and Medium Scale sole proprietorship, partnership, cooperative society, limited liability company, or any other privately owned enterprise for start-up or expansion The investment in fixed assets (at original book value, excluding land and buildings owned or leased) should not exceed Rs.100Mn on completion of the sub-project. Minimum equity contribution of 25%

About the SMILE III

The SMILE III is a personal loan from DFCC Bank in Sri Lanka. Its listed rate is 8.00%. The features, eligibility and documents above come from the bank's published terms; confirm them with DFCC Bank before you apply, as rates and conditions change.

Before taking a personal loan, compare the interest rate and whether it is fixed or floating, the maximum amount and repayment period, processing fees, early settlement charges, and the income and documents each lender asks for.

See every personal loans from DFCC Bank or compare personal loans from every bank.

Invoice/Quotation or any other supporting documents as required

Copy of NIC of applicants/the Business Registration Certificate and related documents

Financial Statements (Records/Audited/Certified/Management etc.)

Valid Environmental Protection Licenses (EPLs) where applicable

Any other documents required by the Bank for the approval process.

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What documents do I need?

Duly filled Loan Application; Invoice/Quotation or any other supporting documents as required; Copy of NIC of applicants/the Business Registration Certificate and related documents; Financial Statements (Records/Audited/Certified/Management etc.); Valid Environmental Protection Licenses (EPLs) where applicable; Any other documents required by the Bank for the approval process..

How do I apply for the SMILE III?

Use the button on this page to send one application through AnyBanQ, or contact DFCC Bank directly. AnyBanQ is not a bank or lender; approval and final terms are decided by DFCC Bank.