DFCC Bank’s long term investment planner for SMEs

DFCC Bank, as part of its 70th anniversary initiatives, has unveiled a strategic new financial solution aimed at enabling Sri Lanka’s small and medium enterprises (SMEs) to build capital over time and strengthen their long-term financial resilience.

The DFCC Business Investment Planner is a fixed-return investment product tailored for registered business entities, designed to support predictable, structured capital accumulation without relying on debt or short-term credit lines, the bank said in a media release.

Through the Business Investment Planner, proprietorships, partnerships, companies, clubs, societies, and even government institutions can invest a fixed monthly amount over a period ranging from two to fifteen years. As of today, each investment is backed by a guaranteed annual interest rate of 9 per cent, with an Annual Effective Rate (AER) of 9.38 per cent, helping businesses benefit from stable returns in a volatile environment. The product is currently available in both Sri Lankan Rupees and designated foreign currencies, allowing greater flexibility for import-reliant or export-oriented enterprises.

This initiative is part of a broader commitment by DFCC Bank to support the country’s SME sector, widely regarded as the backbone of the national economy. In a landscape where access to working capital and credit facilities is tightening, this product offers a disciplined, forward-looking alternative. Use cases include building reserves for future expansion, accumulating funds for capital upgrades, or setting aside cash buffers to manage seasonal revenue fluctuations, all without taking on additional debt.

Aasiri Iddamalgoda, Senior Vice President and Head of Retail Banking and SME at DFCC Bank said, “SMEs are not just borrowers – they are builders, planners, and risk-takers. What they need is not only access to credit but also access to structured, long-term financial infrastructure. With the DFCC Business Investment Planner, we are giving them a way to think five, 10, 15 years ahead – to build capacity for expansion on their terms.”

Each plan is linked to a savings or current account, with automated monthly contributions and a flexible 28-day setup window, allowing businesses to choose the most convenient start date. Unlike short-term facilities like overdrafts or supplier financing—where repayment schedules and rates can fluctuate—this product enables steady financial growth through committed, low-effort contributions.

The Business Investment Planner complements DFCC Bank’s growing portfolio of structured investment solutions designed to serve a variety of customer segments and financial goals. These include offerings for individuals, families, and entrepreneurs, all built around a shared emphasis on capital security and long-term readiness.