• Loan Amounts Up to LKR 3 Million

– Secure financial support for pre-departure expenses or business investment.

• Flexible Repayment Periods

– Maximum repayment period of 36 months, including a 3-month grace period; repayments must be inward remittances to a PFCA with DFCC Bank only.

• Supports Multiple Destinations

– Available for employment in South Korea, Israel, Italy, Japan, and GCC countries.

• No Collateral Required for Loans Up to LKR 500,000

– Loans above this amount require an immovable property mortgage.

• Fast Approval Process

-Receive loan approval within 2 weeks, subject to document submission.

• Joint Borrowing Option

– Borrow jointly with a resident family member if needed.

• Loan Reimbursement Option

– Reimburse past migration-related expenses through the loan.

• Foreign Currency Repayments

– Conveniently repay your loan through inward foreign remittances.

DFCC Ethera Saviya is available to:

• Sri Lankan citizens seeking employment abroad.

• Those maintaining a Personal Foreign Currency Account (PFCA).

• Skilled workers migrating to South Korea, Israel, Italy, Japan, and GCC countries.

This foreign employment loan can be used to cover:

• Foreign job-related expenses (agency fees, airfare, SLBFE fees, visa costs).

• Startup or expansion costs for businesses (for self-employment or family business growth).

• Sri Lankan citizens aged 24-60.

• Must hold a valid working visa.

• Must have an employment contract or appointment letter.

• Loan repayments must be made via foreign currency inward remittances to a DFCC Bank PFCA (Personal Foreign Currency Account) only.

• Complete the application form

• Gather all required documents

• Visit any DFCC Bank Branch

• Personal Identification – NIC, passport, or driving license.

• Address Verification – Proof of residence outside Sri Lanka.

• Valid Work Visa – Proof of employment overseas.

• Employment Contract or Appointment Letter – Issued by the employer.

• Employment Confirmation Letter from SLBFE – Addressed to DFCC Bank.

1. Who can apply for the DFCC Ethera Saviya foreign employment loan?

   • Any Sri Lankan citizen aged 24-60 with a valid foreign work visa.

2. Can I use this loan for a business venture?

   • Yes, the loan can be used for business development or self-employment.

3. What is the maximum loan amount available?

   • LKR 3,000,000.

4. What are the collateral requirements?

   • No collateral is required for loans up to LKR 500,000.

   • Loans above LKR 500,000 require an immovable property mortgage.

5. Can I reimburse pre-departure expenses already paid?

   • Yes, the loan allows reimbursement of past migration-related expenses.

6. How long does it take for loan approval?

   • Up to 2 weeks, depending on correct document submission.

7. Can I apply jointly with a family member?

   • Yes, joint applications are allowed with an immediate family member.

8. Can the loan be settled before the repayment term ends?

   • Yes, early settlements are allowed, but a pre-closure fee may apply.

9. How can I repay the loan while working abroad?

   • Loan repayments must be made via foreign currency inward remittances to a DFCC Bank PFCA in the borrower’s name only.

• DFCC Personal Loan

• DFCC Green Loan

• DFCC Investment Planner

• DFCC Branch Locator

• Ethera Saviya Loan Application Form

• Terms & Conditions