Micro-finance that grows with you.
Naagaa Capital, Ltd. provides simple, guarantor-backed loans with flexible daily and weekly instalments — built for individuals and small businesses across Kilinochchi and the Vanni region.
What we offer
Lending services tailored to local businesses and families, with terms you can understand on a single page.
Loan disbursement
Personal and small-business loans with clear principal, interest, and repayment terms set out in a written agreement.
Flexible instalments
Daily or weekly collection schedules that fit your cash flow. Prepay any time — no early repayment penalty.
Guarantor-backed
Loans are secured by trusted guarantors so we can offer fair rates while keeping the process accessible.
Local field collection
Our collection officers visit you on your schedule — no trips to a branch required for routine payments.
Built for Kilinochchi
Locally owned and operated from A9 Road, Karadipokku. Agreements governed by Sri Lankan law.
How it works
From first call to first instalment in a few simple steps.
- 01
Get in touch
Call or email us with the loan amount you need and what it's for.
- 02
Bring a guarantor
We'll verify your details and your guarantor's. Bring your NIC and address.
- 03
Sign the agreement
Clear written terms — principal, interest, instalment amount and schedule.
- 04
Repay on schedule
We collect daily or weekly. Prepay any time without penalty.
Frequently asked questions
Quick answers about how our microfinance loans work in Kilinochchi and across the Vanni region.
- Where is Naagaa Capital located?
- Naagaa Capital is located on A9 Road, Karadipokku, Kilinochchi 44000, Sri Lanka. We serve customers across the Vanni region.
- What types of loans do you offer?
- Guarantor-backed personal and small-business loans with flexible daily or weekly instalments. All terms — principal, interest rate, instalment amount, and schedule — are agreed in writing before disbursement.
- Do I need a guarantor?
- Yes. All loans are secured by a trusted guarantor. You'll typically need your NIC and proof of address for both yourself and your guarantor.
- How do I repay the loan?
- Our field collection officers visit you on a daily or weekly schedule, depending on your agreement. There is no penalty for early repayment.
- How do I apply?
- Call +94 77 562 8824 or email vinushan998@gmail.com with the amount you need. We'll arrange a meeting to verify your details and your guarantor's.
- What documents do I need?
- Your NIC and proof of address (utility bill or similar). Your guarantor will need the same. For business loans we may ask for basic records of the business.
Visit us
A9 Road, Karadipokku
Kilinochchi 44000
Sri Lanka
Call us
+94 77 562 8824Email us
vinushan998@gmail.com