ATHA HITHA Loan


This initiative aims to empower micro, small, and medium-sized enterprises (MSMEs) across Sri Lanka by providing accessible and affordable financing options. Whether you're looking to expand your current operations, launch a new business venture, or navigate financial challenges, this loan scheme is designed to offer customized support to help your business grow, recover, and succeed.


Eligible Sectors

  • Manufacturing, Construction, Export Oriented, Tourism, Apparel, Fisheries, Animal husbandry, Agriculture, Agro based industries, and all Women –Led enterprises,with Economically and financially viable projects   
  • An annual turnover of less than LKR 1000 Mn 
  • No of Employee should be  less than 200   
  • Business Registration  

Conditions for the Women led Enterprises Qualifying criteria 

  • At least 51% of the enterprise ownership must be controlled by women    
  • At least 20% of the enterprise ownership is controlled by woman with woman is either the Chief Executive Officer or the Chief Operations Officer and at least 30% of the board members are women; where a Board exist. 

Trading leasing and renting businesses are not eligible under this Scheme.

Loan Amount

  • 25 MN

Interest Rate

  • 7% p.a

Tenure Working Capital Requirements

  • 3 Years
  • Maximum of 40% of out of the total loan amount can be accommodated as working capital loan and balance  60% for investment purpose.

Investment Purpose /Constructions 

  • 10 Years 
  • Inclusive of an optional grace period of 01 Year 

Document Required 

  • Loan application
  • Copy of NIC 
  • Copy of BR 
  • Environment protection license(EPL)
  • Recommendation letter from MOI – Ministry of industry
  • BOQ/ Quotation 
  • Any other documents required to bank for the application process