Wishrama Personal Loans
Cargills Bank PLC
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Rates and terms last verified on 8 July 2026.
- 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
- 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
- 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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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.
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