Softlogic Capital

What Softlogic Capital does

Softlogic Capital PLC (SCAP, Colombo Stock Exchange) is the publicly listed financial services holding company of the Softlogic Group in Sri Lanka. Originally incorporated in April 2005 as Capital Reach Holdings Limited, the company was acquired by Softlogic Holdings PLC in August 2010 to serve as the dedicated finance arm of the Softlogic Group, which manages more than 50 companies and approximately 9,600 employees across Sri Lankan retail, telecommunications, healthcare, financial services, IT, leisure, and automotive sectors. SCAP operates through four wholly owned, regulated subsidiaries: Softlogic Finance PLC (a registered finance company providing SME working-capital loans, business loans, lease and hire-purchase facilities, personal and consumer loans, gold loans, fixed deposits, and savings accounts across 30 branches and 6 standalone pawning centres); Softlogic Life Insurance PLC (a life insurer ranked 5th in Sri Lanka, holding an A- claims-paying ability rating from ICRA Lanka); Softlogic Stockbrokers (a Colombo Stock Exchange-licensed boutique brokerage offering investment banking, institutional, retail, and equity and debt-securities brokerage); and Softlogic Invest (an SEC-licensed asset manager operating unit trust funds). SCAP has historically grown through serial acquisitions rather than greenfield launch, most notably entering insurance in 2012.

The Softlogic Money unified digital portal at online.softlogiccapital.lk provides a single online interface aggregating the subsidiaries' offerings, on top of the physical branch and pawning-centre network. The business model blends recurring streams — life-insurance premiums, unit-trust and asset-management fees, fixed-deposit balances — with transaction-based streams — stockbrokerage commissions and lending/leasing interest. Customers span individual retail consumers, SMEs, retail investors, HNW individuals, and foreign institutional clients, served through branches, online self-serve, and direct institutional sales. Chairman Ashok Pathirage leads the company alongside an executive team that has held senior roles across Softlogic Group subsidiaries, with the Softlogic Group brand providing a cross-sector reputational anchor and the Asiri Hospital Holdings partnership embedding cashless hospitalization into Asiri Life health-insurance products.

SCAP is a regulated entity by construction: its subsidiaries operate under the Central Bank of Sri Lanka, the Insurance Board of Sri Lanka, the Securities and Exchange Commission of Sri Lanka, and the Colombo Stock Exchange, and the company is governed under publicly listed corporate-governance policies published on its investor-relations site.

Name

Softlogic Capital

Legal name

Softlogic Capital PLC

Website

https://softlogiccapital.lk

Company type

Public

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

Softlogic Capital PLC (SCAP) is the Sri Lanka-listed financial services holding company of the Softlogic Group, operating wholly owned subsidiaries in licensed finance, life insurance, stockbroking, and asset management, distributed via 36 branches plus a unified digital portal for retail, SME, and institutional clients.

Ownership category

akta.pro rank

Product category

Diversified Financial Services

NAICS

Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Life Insurance (6311), Finance Lessors (6172), Security Brokers, Dealers & Flotation Companies (6211), Investment Advice (6282)

akta.pro primary industry

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

akta.pro secondary industries

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF), SME Treasury & Liquidity Management (FX, Hedging, Sweep/Investment) (FSABABAE)

Keywords

• Life insurance services
• Stock brokerage services
• Asset management funds
• Consumer finance loans
• Investment holding company

Headquarters

HQ city

Colombo

HQ country

Sri Lanka

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Life Insurance Premiums: Life insurance products including protection plans and health coverage such as Asiri health plan with hospitalization benefits and cashless facility at Asiri Hospitals.
2. Finance and Lending Services: SME working capital loans, business loans, lease and hire purchase facilities, personal loans, consumer loans, gold loans, and credit facilities.
3. Stock Broking and Trading: Investment banking, institutional broking, retail broking, equity trading, debt securities trading, and close-end fund distribution.
4. Asset Management: Unit trust funds licensed by SEC of Sri Lanka, offering investment products to retail and institutional investors.
5. Deposits and Savings: Acceptance of fixed deposits and operation of savings accounts through Softlogic Finance PLC.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

Softlogic Capital PLC operates as the financial services holding company of the Softlogic Group in Sri Lanka, overseeing four wholly-owned subsidiaries that deliver life insurance, stock broking, licensed finance (loans, leasing, fixed deposits, savings), and asset management. The company also offers a unified digital gateway through its Softlogic Money online portal enabling customers to access insurance, stock trading, loans, and investment products.

Product overview

Softlogic Capital operates as a financial services holding company with a unified platform-plus-subsidiaries model. The core company oversees a portfolio of specialized subsidiaries: Softlogic Finance PLC (licensed finance company offering loans, leasing, and deposits), Softlogic Life Insurance PLC (life insurance ranked 5th in market), Softlogic Stock Brokers (CSE-licensed boutique brokerage), and Softlogic Invest (SEC-licensed asset management with unit trust funds). The Softlogic Money online portal serves as a unified digital gateway linking all subsidiary services together, enabling customers to access insurance, stock trading, loans, and investment products through a single interface.

Differentiator

Problem solved

Functional benefit

Brands

• Softlogic Money: Online financial services platform providing access to insurance, stock trading, loans and leasing, and investment services

Products and services

• Softlogic Life Insurance Life insurance solutions provider ranked 5th in the Sri Lankan market, offering protection plans customized for diverse clientele including the Asiri health plan with cashless hospitalization at Asiri Hospitals.
• Softlogic Stockbrokers Research-driven boutique brokerage house licensed by the Colombo Stock Exchange, offering investment banking, institutional broking, retail broking, equity trading, debt securities trading, and close-end fund distribution for retail, institutional, and high net worth investors.
• Softlogic Finance Registered Finance Company offering SME working capital loans, business loans, lease and hire purchase facilities, personal loans, consumer loans, gold loans, fixed deposits, and savings accounts. Operates 36 locations comprising 30 branches and 6 standalone pawning centres across Sri Lanka.
• Softlogic Invest (Softlogic Asset Management) Independent asset management firm offering Unit Trust Funds licensed by the Securities and Exchange Commission of Sri Lanka to retail and institutional investors.
• Softlogic Money (Capital Online) Online financial services portal providing unified access to insurance, stock trading, loans and leasing, fixed deposits, and investment services across the Softlogic Capital subsidiaries. Stock market investment available from as low as Rs. 5,000.

Quantifiable outcome

• Ranked 5th in Sri Lankan life insurance market
• +1 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Dialog Axiata PLCcoreStrategic or Co-development PartnerSoftlogic International (Pvt) Ltd has a Business Partnership with Dialog Axiata PLC. Mr. Ranjan Perera serves as Managing Director of Softlogic International and heads the Group's Mobile Phone Business under this partnership.
• Asiri Hospital Holdings PLCcoreStrategic or Co-development PartnerAsiri Life Plan insurance product offers 100% cashless hospitalization facility exclusively at all Asiri Hospitals. Softlogic Life provides health coverage through this healthcare network partnership.

Scale indicators5 records

Recent moves8 records

Expansion highlights4 records

Broad incumbents

• Sampath Bank: Sri Lankan commercial bank with strong retail and SME franchise and digital banking focus. Comparable to Softlogic Finance for SME lending, deposits, and digital distribution through 'Softlogic Money'.
• DFCC Bank: Sri Lankan development and commercial bank with a long-standing SME and project finance franchise. Comparable to Softlogic Finance's SME working capital and hire-purchase focus.
• Commercial Bank of Ceylon: One of Sri Lanka's largest listed banks, offering deposits, SME lending, trade finance, and capital markets services. Comparable to Softlogic Finance's deposit-taking, SME lending, and capital-markets activities, though at significantly larger scale.
• John Keells Holdings: Sri Lankan conglomerate with a financial services arm (Union Bank, insurance via John Keells Stock Brokers). Comparable to Softlogic Capital as a diversified holding company with financial services as one of several verticals.
• Hatton National Bank (HNB): Major Sri Lankan commercial bank providing SME, retail, and corporate lending plus capital-markets and insurance distribution. Comparable as a diversified financial services provider in the same domestic market.

Others

• CT Holdings: Sri Lankan diversified holding company with finance and consumer interests. Useful as a comparable diversified-holding structure with financial services exposure in the same domestic market.
• Softlogic Holdings PLC: Parent conglomerate of Softlogic Capital, with 50+ companies spanning retail, telecom, healthcare, IT, and automotive. Relevant as the parent that sources intra-group synergies and governance direction.

Direct peers

• LOLC Finance: Sri Lankan licensed finance company with diversified SME, consumer, and microfinance lending as well as deposits. Direct peer to Softlogic Finance in scale, product breadth, and branch-led SME/consumer strategy.
• LB Finance: Sri Lankan licensed finance company focused on SME lending, hire purchase, leases, gold loans, and deposits. The closest direct comparable to Softlogic Finance PLC, including its branch-led distribution and product mix.
• Ceylinco Life Insurance: One of Sri Lanka's leading life insurers, offering protection, health, and investment-linked policies. Most direct peer to Softlogic Life Insurance PLC in the domestic life-insurance market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Softlogic Capital