Personal Loans

SMIB Personal Loan provides easy and quick financial support for you to meet emergency expenses or make any lifestyle dream come true.

Personal Loans

SMIB Personal Loan provides easy and quick financial support for you to meet emergency expenses or make any lifestyle dream come true.

Features & Benefits

  • An attractive interest rate
  • Flexible repayment periods up to a maximum of 12 years
  • Ability to apply jointly with spouse
  • Speedy loan approval process
  • Optimum (maximum) loan amount is decided based on monthly income and repayment capacity

Eligibility Criteria

  • Resident, Sri Lankan nationals
  • Age between 18 – 60 years
  • Available for salaried individuals and professionals
    – Applicable for permanent employees at Government, Semi-Government, private sector institutions and professionals
    – Those employed in ‘Trainee’ capacity attached to the Government sector will also be considered
  • Minimum gross monthly income should be Rs.20,000 or may be sufficient as determined by the Bank based on profession/employment

Documents Required

Salaried Employees
  • Duly completed Personal Loan application
  • Copy of NIC or valid Driving License
  • Copy of Office ID (if available)
  • Letter from the employer confirming employment, designation, salary and service period
  • Latest 3 months’ Salary Slips and Bank statements
  • Proof of address – Latest utility bill indicating applicant’s name and address
  • Salary remittance/loan instalment remittance letter from employer/ Standing order instruction form from a recognised financial institution
Additional documents (on request)
  • Guarantors
  • Duly filled Guarantor statement
  • Copy of NIC or valid driving license
  • Letter from the employer confirming employment, designation, salary and service period
  • Latest 3 months’ salary slips and Bank statements
  • Address Verification document indicating Guarantor’s name and address.
Professionals (Other than salaried employees)
  • Should possess at least 3 years of practice experience as a professional along with,
  • Documentary evidence for practice experience
  • Financial statements for the past 2 years prepared by a qualified accountant
  • Documentary proof of professional qualifications and license to operate
  • Last 6 months Bank statements (Personal)

Conditions apply

For more information visit our nearest SMIB Branch or Contact Us via our Call Centre on 1922

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