Capital & input grants
Infrastructure, equipment, technology adoption, and seed/feed subsidies with 50-90% coverage.
Program overview වැඩසටහන් සාරාංශය • திட்டம் முன்னோட்டம்
Four pillars of NAQDA's aquaculture finance ecosystem covering subsidies, credit, insurance, and advisory support.
Low-interest loans
NAQDA direct lending and partner bank schemes with 2-4% interest and extended grace periods.
Premium support
First-year premium waivers and production cycle, livestock, and asset insurance coverage for risk mitigation.
Dedicated financial desks
Regional officers providing business planning, documentation support, and progress monitoring.
Government subsidies රාජ්ය අනුදාන • அரசு நிவாரண திட்டங்கள்
Apply for matching grants aligned with national aquaculture priorities. All programs accept Sinhala and Tamil documentation.
Infrastructure development subsidy
උපාංග සහ ව්යාප්තිය සඳහා
அடிப்படை கட்டமைப்பு மானியம்
அடிப்படை கட்டமைப்பு மானியம்
Up to 75% / LKR 3,000,000 for culture systems, hatcheries, processing, access roads, and solar retrofits.
- Digital application with GIS location checks
- Disbursement linked to milestone inspections
- Bundled technical advisory for build quality
Seed & feed operational relief
බීජ හා ආහාර සහාය • மகசூல் போஷாக்கு
50% support (up to LKR 800,000/year) for certified seeds, fingerlings, formulated feeds, probiotics, and delivery.
- Predictive stock deployment calendar with SMS reminders
- Quality assurance through NAQDA labs
- Subsidized transport in remote provinces
Technology & climate resilience
තාක්ෂණ හා දීමනා • நவீன தொழில்நுட்ப ஊக்கங்கள்
70-90% grants for IoT monitoring, biofloc/RAS, renewable energy, disaster-proof infrastructure, and automation.
- Innovation partners for pilot deployments
- Access to NAQDA innovation lab and R&D grants
- Post-deployment monitoring for 24 months
Concessionary loans ස්වල්ප පොලී ණය • சலுகை கடன்
Low-interest credit with grace periods for aquaculture facility expansion, working capital, and export readiness.
| Program | වැඩසටහන | Rate | Max (LKR) | Tenure |
|---|---|---|---|---|
| NAQDA concessionary loan | ප්රතිලාභ ණය | 2 - 4% p.a. | 10,000,000 | Up to 10 years + 24m grace |
| Bank of Ceylon aquaculture | இலங்கை வங்கி திட்டம் | 3.5% p.a. | 15,000,000 | 10 years |
| People’s Bank fisheries | ජනතා බැංකු ණය | 3.8% p.a. | 12,000,000 | 8 years |
| Microfinance clusters | சிறு கடன் குழு | 6 - 8% p.a. | 500,000 | 36 months |
Financial planning tools මූල්ය සැලසුම් මෙවලම් • நிதி கணிப்பாணிகள்
Estimate loan installments, subsidy value, and ROI before you apply.
Enter values to view monthly EMI, subsidy contribution, or projected ROI.
Support process අයට සහාය සැලසුම • ஆதரவு நடைமுறை
NAQDA coordinates end-to-end paperwork, site checks, and banking approvals.
1. Pre-application clinic
Visit regional center or WhatsApp hotline with your concept note to receive customized checklists.
2. Digital submission
Upload forms and supporting documents. Track status online; notifications sent in Sinhala/Tamil.
3. Joint appraisal
Field verification, water testing, and bank appraisal happen within 30 days. NAQDA coordinates schedules.
4. Disbursement & mentoring
Funds released in tranches. Extension officers provide mentorship and monitor key performance indicators.
Resources & downloads භාණ්ඩ හා ගොනු • வளங்கள்
Access forms, policy circulars, success case studies, and translated guides.
Application kits
Download bilingual forms and checklists for each subsidy and loan category.
- Infrastructure grant (Sinhala/Tamil)
- Seed & feed subsidy
- Technology adoption grant
Policy & compliance
Stay updated with NAQDA circulars, environmental guidelines, and insurance terms.
- Environmental compliance pack
- Insurance premium support notice
- Export quality checklist
Success stories
Read case studies of women entrepreneurs, youth cooperatives, and climate-smart aquaculture facilities financed by NAQDA.
- Southern province hatchery upgrade
- Dry zone climate resilience project
- Export-ready ornamental fish cluster
Ready to secure financial support?
NAQDA's financing hub connects you to subsidies, loans, and insurance in a single workflow. Assistance available in Sinhala and Tamil.
Hotline 1920
24/7 multi-language assistance for subsidy and loan queries.
WhatsApp +94 77 123 4567
Submit documents and receive status updates instantly.
Regional finance desks
Visit 22 NAQDA regional centers for one-on-one guidance.