Cargills Bank PLC · Personal Loan

Wishrama Personal Loans

#36 of 49 · Lower than 22% of personal loans that publish a rate.

Interest rate p.a.: 16%
Maximum amount: LKR 5M
Maximum term: 10 yrs

Rates and terms last verified 8 July 2026. Confirm the current terms with the bank.

Full details on Cargills Bank PLC's website

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.

About this personal loan

Features

Attractive fixed interest rate
Obtain a loan for up to 10 years with a maximum amount of LKR 5,000,000
No early settlement & processing fee charges

Who can apply

Sri Lankan Resident
Government Pensioner or widow/widower (who receives pension of the spouse through Pension Department)
Up to 75 years of age holding a valid national identity card (NIC)

Interest rate p.a.

16%

Check My Eligibility

Wishrama Personal Loans: common questions

What is the interest rate on the Wishrama Personal Loans?

Cargills Bank lists 16% per annum for the Wishrama Personal Loans. Lower than 22% of personal loans that publish a rate.

How much can I borrow, and for how long?

The Wishrama Personal Loans 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 Wishrama Personal Loans?

About the Wishrama Personal Loans

The Wishrama Personal Loans is a personal loan from Cargills Bank in Sri Lanka. Its listed rate is 16.00%. The features, eligibility and documents above come from the bank's published terms; confirm them with Cargills 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 Cargills Bank or compare personal loans from every bank.

Pension should be assigned and should have been credited to Cargills Bank “Wishrama” Savings Account during the previous or current month.

Minimum take home income after all deductions should be LKR 25,000/- or more

Documents you'll need

Duly completed loan application
Copy of National Identity Card
Copy of recent Utility Bill/Bank Statement (if address differs from NIC)
Proof document of Pension Assignment to Cargills Bank
Proof document from Pension Department
No objection letter from the particular bank where the pension is currently being remitted
Other income verification documents (if necessary)

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Reviews for Wishrama Personal Loans

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Sri Lankan Resident Government Pensioner or widow/widower (who receives pension of the spouse through Pension Department) Up to 75 years of age holding a valid national identity card (NIC) Pension should be assigned and should have been credited to Cargills Bank “Wishrama” Savings Account during the previous or current month. Minimum take home income after all deductions should be LKR 25,000/- or more

What documents do I need?

Duly completed loan application; Copy of National Identity Card; Copy of recent Utility Bill/Bank Statement (if address differs from NIC); Proof document of Pension Assignment to Cargills Bank; Proof document from Pension Department; No objection letter from the particular bank where the pension is currently being remitted.

How do I apply for the Wishrama Personal Loans?

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