Puttalam Road, Kurunegala, Sri Lanka
0372228400
Puththalam Road, Kurunegala, Sri Lanka
0372228400
Established in 2018

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Your trusted partner in quick and easy financial services

Athugala Credit and Investments (PVT) LTD

Deeply committed to economic empowerment in rural Sri Lanka

Pioneer in Sri Lanka’s finance sector and is deeply committed to economic empowerment in rural Sri Lanka. Since opening our doors in 2018 in Kurunegala, we have drawn on accumulated industry knowledge to offer more than just financial assistance. Our comprehensive approach focuses on uplifting communities and promoting sustainable growth, ensuring that we make a lasting, positive impact on the lives of the people we serve.

Athugala Credit and Investments (PVT) LTD

Deeply committed to economic empowerment in rural Sri Lanka

Pioneer in Sri Lanka’s finance sector and is deeply committed to economic empowerment in rural Sri Lanka. Since opening our doors in 2018 in Kurunegala, we have drawn on accumulated industry knowledge to offer more than just financial assistance. Our comprehensive approach focuses on uplifting communities and promoting sustainable growth, ensuring that we make a lasting, positive impact on the lives of the people we serve.

Focusing on the growing industries

The Micro, Small, and Medium Enterprise (MSME) sector is rapidly growing contributing to the country’s economy. We have recognized this sector's potential to enhance local economies and empower communities. By focusing on the growing industries in the MSME sector, we aim to drive economic and social development, alleviating poverty's impact.

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Team members

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Happy customers

A transformative agent in rural community development

Drawing on extensive knowledge resources, we adopted a comprehensive, hands-on approach to community empowerment that extends beyond monetary assistance. This approach has allowed us to achieve stable growth in our first year and establish a reputation as a transformative agent in rural community development.

Established in 2018

We provide high quality services since 2018

Nov 2018

1st branch opening – Kurunegala

Nov 2019

2nd branch opening – Kaluthara

Jan 2021

New head office with Kurunegala Branch re-locating

April 2021

Reach Customer base of over 1000

June 2022

Reach a Customer base of over 2000

Aug 2021

Appoint New CEO

Aug 2021

3rd branch opening Galnewa

Sep 2022

4th branch opening Polpithigama

Mar 2023

Reach Customer base over 3000

July 2023

Starting the micro Finance Group loan product for financial support to women's entrepreneurship.

July 2023

Achieved 50 million Investments per month

Oct 2023

Took the membership of the Micro Finance Practitioners’ Association

Dec 2023

Celebrate the 5th Anniversary

Jan 2024

Achieved 100 million Investments in a single month

Jan 2024

Reach a Customer base of over 4000

Mar 2024

The company reach the 1 Billion asset base

May 2024

Reach a Customer base of over 5000

June 2024

5th branch opening Melsiripura

Sep 2024

6th branch opening Anuradhapura

Oct 2024

Achieved 100 million investments in Hire Purchase product

Athugala Credit

Board of Directors

The board includes several members, each contributing their unique expertise to our governance and strategic direction.

Ajantha Bandara

Ajantha Bandara

Senior Director
Bandula Konara

Bandula Konara

Director
Lahiru Shanthadewa

Lahiru Shanthadewa

Director
D.G. Jayarathne

D.G. Jayarathne

Independent Director
Prasanna Wikcramasinghe

Prasanna Wikcramasinghe

Independent Director
Nisha Wijesooriya

Nisha Wijesooriya

Executive Director
Malith Fernando

Malith Fernando

Executive Director / COO
Madushan Edirisinghe

Madushan Edirisinghe

Managing Director / CEO
Athugala Credit

Senior Management

Our senior management is a powerhouse of industry experts whose collective experience spans over 20 years. Their deep knowledge and experience have shaped our framework of the microfinance and MSME industry, driving ACIL to new heights. This team’s dedication and innovative solutions are the foundation of our success, enabling us to revolutionize the microfinance sector and deliver industry-leading solutions to our clients.

Channa Weragoda

Channa Weragoda

Assistant General Manager
Kumari Rathnayake

Kumari Rathnayake

Senior Manager - Finance
Roshen Harmer

Roshen Harmer

Manager - Credit Operation
Aruna Karunarathne

Aruna Karunarathne

Manager - Recovery
Upul Siriwardhane

Upul Siriwardhane

Manager - Internal Audit
Ruwan Abeysinghe

Ruwan Abeysinghe

Lead Software Engineer
Thusitha Jayasundara

Thusitha Jayasundara

Manager - Micro Finance
Niroshan Dehigaspage

Niroshan Dehigaspage

Senior Manager - Real Estate
Rashmi Wijeweera

Rashmi Wijeweera

Senior Assistant Manager - Credit Operation
Athugala Credit

Branch Managers

Nilupul Wijayarathna

Nilupul Wijayarathna

Manager - Kurunegala Branch
Gayan Bandaranayke

Gayan Bandaranayke

Manager - Kaluthara Branch
Wimal Rathnayake

Wimal Rathnayake

Manager - Galnewa Branch
Indika Gunarathne

Indika Gunarathne

Manager - Polpithigama Branch
Kingsly Thilakarathne

Kingsly Thilakarathne

Senior Manager - Melsiripura Branch
Janaka Rathnayake

Janaka Rathnayake

Manager - Anuradhapura Branch
Rangana Wijerathne

Rangana Wijerathne

Manager - Kandy Branch
Chathura Udayanga

Chathura Udayanga

Senior Manager - Nikaweratiya Branch
Kashshapa Narada Weeramuni

Kashshapa Narada Weeramuni

Manager - Kiribathgoda Branch
Nuwan Herath

Nuwan Herath

Manager - Rikillagaskada Branch