Lakderana Investments
Lakderana Investments Ltd is a Sri Lanka-based non-bank financial services company that provides hire purchase financing for three-wheelers, motorcycles, and used vehicles, plus gold pawning loans, through a 30-branch network serving more than 45,000 individual and SMB customers.
- Company typePrivate
- Founded2006
- HeadquartersRajagiriya, Sri Lanka
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Lakderana Investments does
Lakderana Investments Ltd is a privately-held Sri Lankan non-bank financial services company founded on March 6, 2006, and headquartered at No. 100 Buthgamuwa Road, Rajagiriya. The company was established by a group of young entrepreneurs to provide credit to segments underserved by formal banks, and it now operates an island-wide network of 30 branches with roughly 190 employees serving more than 45,000 customers. Its two primary product lines are hire purchase financing for three-wheelers, motorcycles, and used vehicles (terms up to five years at fixed interest rates, with approval targeted within four hours and same-day disbursement), and gold pawning/loan services marketed under the Ransaviya Gold Loan sub-brand, with a new 'Ran Ethiriya' product introduced in partnership with Ashadi Jewelers. An ancillary service, Anything TukTuk, helps customers source three-wheelers for purchase.
Lakderana Investments firmographics
Firmographics- Name
- Lakderana Investments
- Legal name
- Lakderana Investments Ltd
- Website
- https://lakderana.lk
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Lakderana Investments Ltd is a Sri Lanka-based non-bank financial services company that provides hire purchase financing for three-wheelers, motorcycles, and used vehicles, plus gold pawning loans, through a 30-branch network serving more than 45,000 individual and SMB customers.
- Ownership category
- akta.pro rank
Where Lakderana Investments is headquartered
LocationHeadquarters
- HQ city
- Rajagiriya
- HQ country
- Sri Lanka
- HQ region
- Asia
Offices11 records
Markets served
Lakderana Investments business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Hire Purchase Financing: Vehicle financing through installment-based hire purchase agreements for three-wheelers, motorcycles, and used vehicles. Customers make monthly payments over terms up to 5 years with fixed interest rates, gaining ownership upon completion of payments.
- Gold Pawning/Loan: Short-term loans secured against gold jewellery and valuables. Customers pawn their gold items for immediate cash with market-competitive valuations.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Lakderana Investments product offering
Product offeringCore offering
Lakderana Investments provides hire purchase financing for three-wheelers, motorcycles, and used vehicles with terms up to 5 years and fixed interest rates, as well as gold pawning/loan services (Ransaviya Gold Loan) offering immediate cash against personal gold jewellery at competitive market valuations. All services are delivered through a 30-branch island-wide network in Sri Lanka with same-day approval (within 4 hours) and door-step installment collection.
Product overview
Lakderana Investments is a Sri Lankan financial services company offering a portfolio of credit solutions. The core offerings consist of two main products: (1) Lakderana Hire Purchase, a financing solution for three-wheelers and motorcycles with same-day approval within 4 hours and terms up to five years, and (2) Ransaviya Gold Loan, a gold pawning service providing immediate cash against jewellery at competitive market valuations. The company also offers 'Anything TukTuk', a dedicated advisory service to assist customers in finding and acquiring three-wheelers. All services are available across the company's branch network of 30 locations throughout Sri Lanka.
Differentiator
Problem solved
Functional benefit
Brands
- Ransaviya Gold Loan: Gold pawning and loan services offered by Lakderana Investments, providing customers with instant cash or loans against personal gold jewellery at competitive market values.
- Anything TukTuk
Products and services
- Lakderana Hire Purchase A hire purchase financing solution for three-wheelers, motorcycles, and used vehicles, offering same-day credit decisions with approval within 4 hours and repayment terms spanning up to 5 years with fixed interest rates. Customers gain ownership upon completion of monthly installments.
- Ransaviya Gold Loan A gold pawning and loan service providing immediate cash or financing against personal gold jewellery at competitive market valuations, staffed by experienced gold valuation professionals. Customers pawn their gold items for quick access to liquidity without selling their assets.
- Anything TukTuk
Quantifiable outcome
- Approval within 4 hours for hire purchase applications
- +1 more outcomes
Companies that use Lakderana Investments
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles2 records
Lakderana Investments technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Lakderana Investments partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- Realtor LankaminorMutually beneficial partnership between Lakderana Investments and Realtor Lanka and Centrepoint Homes, announced in August 2024. Provides additional value to customers through integrated financial and real estate services.
- Centrepoint HomesminorPartnership with Lakderana Investments and Realtor Lanka, announced in August 2024. Offers bundled services for home buyers and property investors.
- Allianz Sri LankacoreComprehensive insurance coverage partnership. Lakderana partnered with Allianz Sri Lanka for insurance products. Included celebratory staff gathering and awards ceremony to mark the partnership.
- Ashadi JewelersminorPartnership for 'Ran Ethiriya' gold loan product - a new gold pawning offering in collaboration with Ashadi Jewelers.
- Asiri HospitalsminorEmployee health check partnership with Asiri Hospitals, demonstrating company's commitment to employee wellness.
- Perfetti Van MelleminorJoint celebration of Sinhala and Tamil New Year with Perfetti Van Melle in April 2024.
Scale indicators7 records
Recent moves11 records
Expansion highlights5 records
Lakderana Investments competitors and assessment
Company assessmentDirect peers
- LOLC Finance PLC: Sri Lankan NBFC under the LOLC Group offering microfinance, leasing, hire purchase, and gold loans to mass-market segments. Directly comparable on gold-backed lending and inclusive finance positioning.
- Central Finance PLC: Sri Lanka's leading listed hire purchase and finance company, focused on vehicle financing, leasing, and deposit-taking. Directly comparable to Lakderana on core hire purchase business but operates at substantially larger scale with broader banking-adjacent services.
- People's Leasing & Finance PLC: One of Sri Lanka's largest non-bank financial institutions offering leasing, hire purchase, loans, and gold-backed advances. Directly comparable on hire purchase and gold loan products, though at significantly larger scale with broader product range.
- HNB Finance PLC: Sri Lankan NBFC subsidiary of Hatton National Bank offering leasing, hire purchase, and personal loans including gold-backed facilities. Comparable peer on consumer hire purchase and gold loan offerings.
- Singer Finance (Sri Lanka): Sri Lankan NBFC specializing in hire purchase financing for consumer goods, three-wheelers, and vehicles. Closest peer in product mix and customer segment (mass-market vehicle financing) to Lakderana's hire purchase business.
- Vallibel Finance PLC: Sri Lankan NBFC offering hire purchase, leasing, and personal loans to retail and SME segments. Overlapping customer segments and product offerings make it a relevant comparable at similar scale.
- Asia Asset Finance PLC: Sri Lankan NBFC focused on leasing, hire purchase, and personal loans including gold-backed advances. Smaller-scale peer with overlapping product mix and customer base.
- Senkadagala Finance PLC: Sri Lankan NBFC offering leasing, hire purchase, and personal loan products. Smaller-scale direct peer with similar product mix in consumer finance and gold-backed lending.
Broad incumbents
- Manappuram Finance: Major Indian NBFC with gold loans as a core product alongside microfinance and vehicle finance. Relevant comparable for gold-backed lending business model and consumer finance cross-sell strategies.
- Muthoot Finance: India's largest gold loan NBFC with thousands of branches. Provides scale and operational benchmarks for gold-backed lending that Lakderana's Ransaviya Gold Loan product aspires to, though Muthoot operates in a vastly larger and more mature market.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks7 records
Key highlights7 records
Customer concentration
Lakderana Investments social profiles
Digital presenceLakderana Investments compliance and trust
Trust signalCompliance1 record
Lakderana Investments financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lakderana Investments leadership team
Management profileNumber of profiles
Profiles1 record
Lakderana Investments funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lakderana Investments M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Lakderana Investments
What does Lakderana Investments do?
Lakderana Investments provides hire purchase financing for three-wheelers, motorcycles, and used vehicles with terms up to 5 years and fixed interest rates, as well as gold pawning/loan services (Ransaviya Gold Loan) offering immediate cash against personal gold jewellery at competitive market valuations. All services are delivered through a 30-branch island-wide network in Sri Lanka with same-day approval (within 4 hours) and door-step installment collection.
Is Lakderana Investments a public or private company?
Lakderana Investments is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Lakderana Investments founded?
Lakderana Investments was founded in 2006. It employs 51 to 100 people.
Where is Lakderana Investments based?
Lakderana Investments is headquartered in Rajagiriya, Sri Lanka, in the Asia region.
How does Lakderana Investments make money?
Two revenue lines are on record. Hire Purchase Financing is the primary driver. The others are gold Pawning/Loan.
Who are Lakderana Investments's main competitors?
Direct peers on record are LOLC Finance PLC, Central Finance PLC, People's Leasing & Finance PLC, HNB Finance PLC, Singer Finance (Sri Lanka), Vallibel Finance PLC, Asia Asset Finance PLC and Senkadagala Finance PLC. Broad incumbents are Manappuram Finance and Muthoot Finance.
Does Lakderana Investments have an API?
No public API is recorded for Lakderana Investments.