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At Sampath Bank, we expand our services to help meet your needs. We offer a variety of loan schemes especially for Small and Medium Scale Entrepreneurs. These include ADB COVID-19 Emergency Response Facility, ADB SME Component & WE-FI Grant, Sampath Green Energy & SME Development Fund (SGESD), E-FRIENDS II Revolving, SAUBAGAYA, SMILE III Revolving and Kapruka Ayojana loan schemes. Our aim is to fulfil your dreams and desires in making your business thrive.

ADB COVID-19 EMERGENCY RESPONSE FACILITY LOAN SCHEME

  1. Maximum of Rupees Ten million (Rs.10Mn.) for a business entity
  2. Interest rate of 4.75% p.a.
  3. Maximum repayment period of 03 years including a grace period of maximum 06 months

 

ADB SME COMPONENT AND WE-FI GRANT LOAN SCHEME

  1. The maximum loan amount is Rs. 50 million for a Business Entity.
  2. Interest rate of 9.0% p.a.
  3. Loans can be obtained as working capital or investment loans
  4. The maximum repayment period of working capital loans are two (02) years, and the grace period not permitted
  5. The maximum repayment period of the Investment and Joint Loans is ten (10) years including maximum two (02) years grace period, if necessary
  6. Women entrepreneurs are eligible to 10% - 25% of the principal loan amount as a grant (Subjected to the approval of ADB)

 

SAMPATH GREEN ENERGY AND SME DEVELOPMENT FUND (SGESD)

  1. Maximum loan amount for Residential Solar Projects are Rs .5.0 Mn
  2. Maximum loan amount for Commercial Solar Projects are Rs .25.0 Mn
  3. Interest rate of 11.0% p.a.
  4. Maximum repayment period of 07 years

 

E- FRIENDS II REVOLVING LOAN SCHEME

  1. Loans under E Friends Scheme can be obtained as General loans or Technical Assistance loans
  2. Maximum loan amount for General Loan Scheme - Rs.30.0 Mn per eligible industrial enterprise
  3. Interest rate of 6.5% p.a. for General Loan Scheme
  4. Maximum repayment period of 10 years including a grace period of 2 years for General Loan Scheme
  5. Maximum loan amount for Technical Assistant Loan Scheme - Rs. 1.0 Mn per eligible industrial enterprise
  6. Interest rate of 2.0% p.a. for Technical Assistant Loan Scheme
  7. Maximum repayment period of 05 years including a grace period of 1 year for Technical Assistant Loan Scheme

 

SAUBAGAYA LOAN SCHEME

  1. Maximum of Rupees Twenty Five million (Rs. 25.0 Mn)
  2. Interest rate of 6.0 % p.a.
  3. Maximum repayment period of 05 years including a grace period of maximum 06 months.

 

SMILE III REVOLVING LOAN SCHEME

  1. Loans under SMILE III Scheme can be obtained as General loans or Technical Transfer Assistance loans
  2. Maximum loan amount for General Loan Scheme - Rs. 25.0 Mn.
  3. Interest rate of 8.0% p.a. for General Loan Scheme
  4. Maximum repayment period of 10 years including a grace period of 2 years for General Loan Scheme
  5. Maximum loan amount for Technical Transfer Assistant Loan Scheme - Rs. 2.5 Mn.
  6. Interest rate of 5.0% p.a. for Technical Transfer Assistance Loan Scheme
  7. Maximum repayment period of 05 years including a grace period of 2 year for Technical Transfer Assistance Loan Scheme

 

KAPRUKA AYOJANA LOAN SCHEME (For Coconut Cultivation)

  1. The maximum individual loan amount should be Rs.2.0Mn
  2. Interest rate of 8.0% p.a.
  3. Maximum repayment period of 05 years including a grace period of 12 months (Grace period is subject to the approval of Coconut Cultivation Board)

 

ADB COVID-19 EMERGENCY RESPONSE FACILITY LOAN SCHEME

  1. All sectors related to Micro Small and Medium Enterprises (MSMEs) are permitted except Trading, Leasing and Renting sectors/businesses
  2. Borrowers (the parent company and any subsidiaries) must have annual turnover less than Rs. 750Mn and less than 300 employees if in manufacturing sector or less than 200 employees if in service sector.

ADB SME COMPONENT AND WE-FI GRANT LOAN SCHEME

  1. All sectors related to Micro Small and Medium Enterprises (MSMEs) are permitted except Trading, Leasing and Renting sectors/businesses
  2. Borrowers (the parent company and any subsidiaries) must have annual turnover less than Rs 750 Mn and less than 300 employees if in manufacturing sector or less than 200 employees if in service sector.

Women-led qualified enterprises

At least 51% of the enterprise ownership shall be controlled by women or shall fulfil all of the following three (03) criteria;

  • At least 20% of the enterprise ownership is controlled by women.
  • A Woman is either the Chief Executive Officer (i.e. the most Senior Manager) OR Chief Operations Officer (i.e. Second most senior manager); and
  • At least 30% of the Board members are women; where a board exists.

SAMPATH GREEN ENERGY AND SME DEVELOPMENT FUND (SGESD)

  • All Residential & Commercial Solar Energy Projects

E- FRIENDS II REVOLVING LOAN SCHEME

  • Eligible Project Size
    The investment in fixed assets, excluding land and buildings (owned or leased) at original book value should not exceed Rs. 250.0 Million on completion of the project.
  • Eligible Expenditure
    1. Equipment for end-of-pipe treatment and equipment that will lead to reduced emissions or to a lower production of wastes by the enterprises thereby enabling them to comply with the National Environment standards;
    2. Equipment that leads to substantial reduction in the use of resources by existing equipment & machinery, or the phasing out of hazardous substances;
    3. Equipment that will substantially improve the safety of work places, especially with regard to the exposure of workers to potentially hazardous substances or noise, etc;
    4. Investments related to the relocation of highly polluting industries to special industrial estates that are equipped with waste treatment plants and investments by enterprises that set up and operate such treatment plants; and
    5. Equipment for the monitoring of pollutants in connection with (a), (b), (c) or (d).

SAUBAGAYA LOAN SCHEME

  1. Small and Medium Scale Enterprises (SMEs) a total asset of which is below Rs.40.0 Mn excluding land and buildings and those employees less than 100 persons
  2. Any other income generating activity including agricultural and livestock projects Strictly excluding Piggery, Broiler Farming and Livestock for slaughter

SMILE III REVOLVING LOAN SCHEME

  1. Eligible Project Size
    The investment in fixed assets, excluding land and buildings (owned or leased) at original book value should not exceed Rs. 100.0 Million on completion of the project.

  2. Eligible Sectors
    1. Manufacturing and industrial sub-sectors
    2. Manufacturing based service sector
    3. Cultivation of vegetables, commercial crops, minor export crops, perennial crops and horticultural crops
    4. All the service sectors, printing, hospitality industry, healthcare and medical services, filling & service stations are also eligible except for advances for trading purposes

KAPRUKA AYOJANA LOAN SCHEME (For Coconut Cultivation)

  1. Eligible Borrowers
    1. An owner, lessee or a person having the legal right to undertake the proposed development upon submission of proof thereof of. ½ an acre or more land.
    2. In the case of leases the period of lease should be not less than 2 years in excess of the maturity period of the loan
  2. Eligible Expenditure
    1. Coconut planting with intercropping
    2. Replanting with intercropping
    3. Coconut mono-cropping
    4. Intercropping
    5. Establishment of Agro wells/Tube Wells/Deep Wells
    6. Establishment & Maintain of nurseries to provide planting materials for Intercropping
    7. Provision of Farm Machineries
    8. Constructions of cattle/Goat/Sheep Sheds
    9. Crop Protection Loans