1. Loan Amount – Secure funding up to LKR 10 million.

2. Flexible Repayment – Up to 5 years with a 12-month grace period.

3. Low Interest Rate – Competitive fixed rate of 8.00% p.a.

4. Broad Eligibility – Available to landowners, lessees and legally authorised cultivators.

5. Diverse Financing Purposes – Funds can be used for new planting, replanting, intercropping, equipment purchases, establishment of water supply systems, and animal husbandry.

6. Support from the CCB – The Coconut Cultivation Board will assess and determine the final loan amount per project.

7. Minimal Equity Contribution – Borrowers must contribute at least 20% of equity towards the project.

To qualify for the Kapruka Ayojana Credit Scheme, applicants must meet the following conditions:

• Must be a landowner, a lessee, or a person having a legal right to undertake the proposed project (submission of proof). Lease period should be not less than 2 years in excess of the loan maturity.

• The land extent must be between ½ acre and 50 acres.

• Applicants must contribute at least 20% equity towards the project.

1. Obtain the Application – Visit the nearest CCB Regional Office and collect the "Kapruka 1" application form.

2. Prepare Your Project Report – CCB will prepare the project report

3. Visit DFCC Bank – Submit your completed application and supporting documents at a DFCC Bank branch for loan processing.

1. Am I eligible for the Kapruka Ayojana Credit Scheme?
Yes, if you are a landowner, a lessee or a person having legal right to undertake the proposed project and meet the land size and equity contribution requirements, you are eligible to apply.

2. What is the maximum loan amount I can receive?
The maximum loan amount is LKR 10 million, but the final loan amount is determined by the Coconut Cultivation Board (CCB) based on the project report.

3. Do I need collateral to apply for this loan?
The bank may require suitable collateral depending on the loan assessment.

4. Where can I get the application form?
You can collect the "Kapruka 1" application form from the nearest CCB Regional Office.

5. How can I get more information?
Visit your nearest branch or call us 24/7 on .

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