Micro Personal Loans Provides financial support to accomplish diversepersonal needs such as education, overseas travel,home renovation, urgent medical expenses andrecreation or in any other financial commitments ofany salaried employee. This product serves theunder-served low income employees who are notcatered by Banks and other financial institutions.

Society Loans Provides bulk loans to Sarvodaya ShramadanaSocieties for onward lending to their individualmembers. This product assists in uplifting the livesof rural low income customers who are membersof the Sarvodaya Shramadana Societies and helpsto propagate Sarvodaya values of self-sufficiency.

Housing Loans These consist of loan facilities to support housingconstructions, extensions, renovations or repairs.The product mainly caters to low income microcustomers who cannot avail themselves to housingloans provided by Banks and other financialinstitutions.

SME Loans SME facilities are offered in the forms of termloans, short-term loans and revolving loans forcustomers for business purpose to facilitate thefinancial needs of their businesses.

Liability products SDF offers a wide range of deposit products to suitspecific requirements of the customers. Followingaccounts are operated. Savings accounts Fixed Deposits Minor savings accounts Senior Citizen accounts

2.0 Interest & Commission

Interest & commission rates applicable are displayed in our web site at www. sarvodayafinance.lk

Based on the market conditions our interest and commission are revised from time to time.

2 Fees & other charges

Please refer Sarvodaya Development Finance Ltd tariff sheet applicable for charges & fees, and all those

appear in the web site www. sarvodayafinance.lk

3.1 Documentation charges

Leasing

Up to 01 Mn 3000 + 0.5% of leased amount1.0Mn - 2.0Mn 3500 + 0.5% of leased amount2.0Mn - 3.0Mn 4000 + 0.5% of leased amount3.0Mn - 4.0Mn 4500 + 0.5% of leased amount4.0Mn – 5.0Mn 5000 + 0.5% of leased amount5Mn and above 6000 + 0.5% of leased amount

SMEOver 2.0 Mn facility 0.5% of the facility Amount

(Maximum 200,000/=)Micro Loans + Personal Loans/SME0.5% of the facility Amount

Group LoansRs.500 for 1st Loan and Rs. 750 from 2nd facility onwards

PawningRe issue of misplaced pawning receipts 250/-

3.2 Rescheduling Charges

Loan Balance FeeBelow Rs.1.0 Million Rs.3,000/-Rs.1,000,001 – Rs.5,000,000 Rs.7,500/-Rs.5,000,001 – Rs.10,000,000 Rs.10,000/-Over Rs.10,000,001 0.1% of the remaining loan balance subject

to a maximum of Rs.250,000/-

Mr.Felician JayakodyAGM-Credit Sarvodaya Development Finance Ltd.,No.45, “Arthdharma Kendraya”, Rawathawatte Road, Moratuwa. Tel-0115444666Email:felician@sdf.lk

Complaints submitted to the above officers will be acknowledged. Response with actions to be taken will

be communicated to respective customers within 7 working days

5 Complains & Grievances

Please be advised that if any Customer of SDF has any reason to complain in regard to services rendered

by SDF or has any dispute or grievance against SDF, he/she is kindly requested to contact the above two

personnel, and they will take every effort to resolve the issue.

If such resolution is not up to your expectation or if the issue raised by you is not settled within 4 weeks,

the services of an independent Financial Ombudsman are available for you to take your complaint to, for

further details please ask an officer in the office you deal with or contact the office of Ombudsman direct.

Contact details are as follows.

The Financial Ombudsman

1434, Vajira Road,

Colombo 4.

Tel: 011-2595624

Fax:011-2595625

Email:fosril@sltnet.lk

6.0 Procedure for Recovery of Loan

SDF shall make every endeavor to facilitate the re-payment of the credit facilities by the Customers.

These endeavors may include re-scheduling and re-structuring of facilities to suit customers’ cash flow

within the SDF’s overall lending policy on case by case basis. In the event the customers are still unable

to settle, SDF may be compelled to take steps to recovery actions under the provisions of Law and other

remedies available such as repossessions etc.

All legal and other expenses incurred by SDF in this regard shall be borne by the Customer.

7.0 Disclosure

SDF shall observe strict secrecy in respect of all transactions of the Customer with SDF subject to the

provisions of the relevant acts & regulations.

8.0 Financial Transaction Reporting Act No.6 of 2006

Where SDF has reasonable grounds to suspect that any transaction may be related to the commission of

any unlawful activity or any criminal offense, SDF shall report such transaction to the Financial

Intelligence Unit under the provisions of section 7 of the Financial Transaction Reporting Act.No.6 of

2006

6 Compensation for premature withdrawal /termination

In the event of premature withdrawal/ termination by the customer, a compensatory payment depending

upon the number of premature months/years shall be availed by SDF.