Type of Benefit | Max Amount (per case) Rs. |
Duration | Rate (per Date) Rs. |
Limit (per Year) Rs. |
Limit (per lifetime) Rs. |
---|---|---|---|---|---|
Private Hospital Room Charges |
30,000.00 |
10 days |
3,000.00 |
150,000.00 |
- |
Pvt Hospital Surgical & Medical Treatment |
50,000.00 |
- | - |
150,000.00 |
- |
Private Hospital Consultation Fee |
20,000.00 |
- | - |
150,000.00 |
- |
Private Hospital Medical Test |
20,000.00 |
- | - |
150,000.00 |
- |
Gov. Hospital Room Charges |
5,000.00 |
10 days |
500.00 |
150,000.00 |
- |
Cataract Operation |
20,000.00 |
- | - | - |
40,000.00 |
Paralysis Package |
100,000.00 |
- | - | - |
100,000.00 |
Heart Surgery Pkg bill for Family Member |
100,000.00 |
- | - | - | - |
Heart Surgery Detailed bill for Family Member |
100,000.00 |
- | - | - | - |
Cancer Insured Package |
120,000.00 |
- | - | - |
200,000.00 |
Total Knee Replacement Set |
50,000.00 |
- | - | - |
50,000.00 |
Total Hip Replacement Set |
50,000.00 |
- | - | - |
50,000.00 |
Spinal Fusion Set |
50,000.00 |
- | - | - |
50,000.00 |
Bone Metal Stents Family |
50,000.00 |
- | - | - |
50,000.00 |
Gov. Hospital Childbirth |
2,500.00 |
5 days |
500.00 |
2,500.00 |
- |
Pvt Hospital Childbirth - Normal |
10,000.00 |
5 days |
2,000.00 |
10,000.00 |
- |
Pvt Hospital Childbirth - Cesarean |
40,000.00 |
- | - |
40,000.00 |
- |
Spectacles |
3,500.00 |
- | - | - | - |
Permenent Total Disablement |
600,000.00 |
- | - | - |
600,000.00 |
Permenent Partial Disablement |
300,000.00 |
- | - | - |
300,000.00 |
Temprory Partial Disablement |
26,000.00 |
52 weeks |
500.00 |
- |
26,000.00 |
Natural Death Insured |
150,000.00 |
- | - | - |
150,000.00 |
Accidental Death Insured |
600,000.00 |
- | - | - |
600,000.00 |
Kidney Insured Package |
200,000.00 |
- | - | - |
200,000.00 |
Pvt. Hospital Bypass for Member |
500,000.00 |
- | - | - |
500,000.00 |
Bare Metal Stents - Member |
120,000.00 |
- | - | - |
500,000.00 |
Drug Eluting Stent - Member |
290,000.00 |
- | - | - |
500,000.00 |
Dilatation Catheter - Member |
36,000.00 |
- | - | - |
500,000.00 |
PTCA Balloon - Member |
39,500.00 |
- | - | - |
500,000.00 |
Guide Wire - Member |
12,500.00 |
- | - | - |
500,000.00 |
Patent Ductus Arterious (PDA) |
145,000.00 |
- | - | - |
500,000.00 |
Atrial Spetal Defect (ASD) |
293,000.00 |
- | - | - |
500,000.00 |
Ventricular Spetal Defect (VSD) |
293,000.00 |
- | - | - |
500,000.00 |
Pace Maker (Singal) |
136,000.00 |
- | - | - |
500,000.00 |
Pace Maker (Dual) |
272,000.00 |
- | - | - |
500,000.00 |
PFO Occluder |
293,000.00 |
- | - | - |
500,000.00 |
Implantable Cardiovetor Defibrillator (ICD) |
300,000.00 |
- | - | - |
500,000.00 |
Radio Frequency Ablation (RF Ablation) |
225,000.00 |
- | - | - |
225,000.00 |
Type of Benefit | Max Amount (per case) Rs. |
Duration | Rate (per Date) Rs. |
Limit (per Year) Rs. |
Limit (per lifetime) Rs. |
---|---|---|---|---|---|
Private Hospital Room Charges |
160,000.00 |
10 days |
5,000.00 |
250,000.00 |
- |
Pvt Hospital Surgical & Medical Treatment |
60,000.00 |
- | - |
250,000.00 |
- |
Private Hospital Consultation Fee |
35,000.00 |
- | - |
250,000.00 |
- |
Private Hospital Medical Test |
30,000.00 |
- | - |
250,000.00 |
- |
For obtaining in-house treatment in a private Ayurvedic hospital subjective to above categories (private Ayurvedic hospital should be a registered entity under local subjective Ministry.) | - | - | - |
160,000.00 |
- |
Gov. Hospital Room Charges |
10,000.00 |
10 days |
1,000.00 |
250,000.00 |
- |
Gov. Ayurvedic Hospital Room Charges |
10,000.00 |
10 days |
1,000.00 |
10,000.00 |
- |
Gov. Hospital Childbirth |
7,500.00 |
5 days |
1,500.00 |
- | - |
Pvt Hospital Childbirth - Normal |
25,000.00 |
- | - |
25,000.00 |
- |
Pvt Hospital Childbirth - Cesarean |
60,000.00 |
- | - |
60,000.00 |
- |
Heart related surgeries for Family Member |
150,000.00 |
- | - | - |
150,000.00 |
Heart Surgeries (Only for Member) | - | - | - | - |
800,000.00 |
RF Ablation (Only for Member) | - | - | - | - |
350,000.00 |
Cancer Insured Package (Only for Member) | - | - | - | - |
400,000.00 |
Kidney transplantations (Only for Member) | - | - | - | - |
800,000.00 |
Brain Surgeries (Only for Member) | - | - | - | - |
800,000.00 |
Implantation of knees (Only for Member) | - | - | - | - |
150,000.00 |
Implantation of hip bones (Only for Member) | - | - | - | - |
150,000.00 |
Hearing aids (Only for Member) | - | - | - | - |
75,000.00 |
Spectacles (Only for Member) |
3,500.00 |
- | - | - | - |
Cataract Operation |
20,000.00 |
- | - | - |
40,000.00 |
Paralysis Package | - | - | - | - |
100,000.00 |
Natural Death Insured (Only for Member) |
400,000.00 |
- | - | - |
400,000.00 |
Accidental Death Insured (Only for Member) |
1,000,000.00 |
- | - | - |
1,000,000.00 |
Personal Accident Insured (Only for Member) |
1,000,000.00 |
- | - | - |
1,000,000.00 |
Type of Benefit | Max Amount (per case) Rs. |
Duration | Rate (per Date) Rs. |
Limit (per Year) Rs. |
Limit (per lifetime) Rs. |
---|---|---|---|---|---|
Private Hospital Room Charges |
200,000.00 |
10 days |
8,000.00 |
350,000.00 |
- |
Pvt Hospital Surgical & Medical Treatment |
80,000.00 |
- | - |
350,000.00 |
- |
Private Hospital Consultation Fee |
50,000.00 |
- | - |
350,000.00 |
- |
Private Hospital Medical Test |
40,000.00 |
- | - |
350,000.00 |
- |
For obtaining in-house treatment in a private Ayurvedic hospital subjective to above categories (private Ayurvedic hospital should be a registered entity under local subjective Ministry.) | - | - | - |
200,000.00 |
- |
Gov. Hospital Room Charges |
30,000.00 |
10 days |
3,000.00 |
350,000.00 |
- |
Gov. Ayurvedic Hospital Room Charges |
30,000.00 |
10 days |
3,000.00 |
30,000.00 |
- |
Gov. Hospital Childbirth |
15,000.00 |
5 days |
3,000.00 |
- | - |
Pvt Hospital Childbirth - Normal |
50,000.00 |
- | - |
50,000.00 |
- |
Pvt Hospital Childbirth - Cesarean |
100,000.00 |
- | - |
100,000.00 |
- |
Heart related surgeries for Family Member |
200,000.00 |
- | - | - |
200,000.00 |
Heart Surgeries (Only for Member) | - | - | - | - |
1,000,000.00 |
RF Ablation (Only for Member) | - | - | - | - |
500,000.00 |
Cancer Insured Package (Only for Member) | - | - | - | - |
600,000.00 |
Kidney transplantations (Only for Member) | - | - | - | - |
1,200,000.00 |
Brain Surgeries (Only for Member) | - | - | - | - |
1,200,000.00 |
Implantation of knees (Only for Member) | - | - | - | - |
250,000.00 |
Implantation of hip bones (Only for Member) | - | - | - | - |
250,000.00 |
Hearing aids (Only for Member) | - | - | - | - |
100,000.00 |
Spectacles (Only for Member) |
5,000.00 |
- | - | - | - |
Cataract Operation |
20,000.00 |
- | - | - |
40,000.00 |
Paralysis Package | - | - | - | - |
200,000.00 |
Natural Death Insured (Only for Member) |
700,000.00 |
- | - | - |
700,000.00 |
Accidental Death Insured (Only for Member) |
2,000,000.00 |
- | - | - |
2,000,000.00 |
Personal Accident Insured (Only for Member) |
1,500,000.00 |
- | - | - |
1,500,000.00 |
Type of Benefit | Max Amount (per case) Rs. |
Duration | Rate (per Date) Rs. |
Limit (per Year) Rs. |
Limit (per lifetime) Rs. |
---|---|---|---|---|---|
Private Hospital Room Charges |
250,000.00 |
10 days |
10,000.00 |
400,000.00 |
- |
Pvt Hospital Surgical & Medical Treatment |
90,000.00 |
- | - |
400,000.00 |
- |
Private Hospital Consultation Fee |
55,000.00 |
- | - |
400,000.00 |
- |
Private Hospital Medical Test |
45,000.00 |
- | - |
400,000.00 |
- |
For obtaining in-house treatment in a private Ayurvedic hospital subjective to above categories (private Ayurvedic hospital should be a registered entity under local subjective Ministry.) | - | - | - |
250,000.00 |
- |
Gov. Hospital Room Charges Rs. 3000/- per day for a maximum of 21 days per year. (Maximum of 07 days per incident) |
- | - |
3,000.00 |
63,000.00 |
- |
Gov. Ayurvedic Hospital Room Charges Rs. 3000/- per day for a maximum of 21 days per year. (Maximum of 07 days per incident) |
- | - |
3,000.00 |
63,000.00 |
- |
Gov. Hospital Childbirth |
15,000.00 |
5 days |
3,000.00 |
- | - |
Pvt Hospital Childbirth - Normal |
50,000.00 |
- | - |
50,000.00 |
- |
Pvt Hospital Childbirth - Cesarean |
125,000.00 |
- | - | - | - |
Heart related surgeries for Family Member ** One in lifetime for one member of the family unit ** |
- | - | - | - |
200,000.00 |
Heart Surgeries (Only for Member) | - | - | - | - |
1,000,000.00 |
Cancer Insured Package (Only for Member) | - | - | - | - |
600,000.00 |
Kidney transplantations (Only for Member) | - | - | - | - |
1,200,000.00 |
Brain Surgeries (Only for Member) | - | - | - | - |
1,200,000.00 |
Implantation of knees (Only for Member) | - | - | - | - |
250,000.00 |
Implantation of hip bones (Only for Member) | - | - | - | - |
250,000.00 |
Hearing aids (Family Member) ** One in lifetime for one member of the family unit ** |
- | - | - | - |
50,000.00 |
Hearing aids (Only for Member) | - | - | - | - |
100,000.00 |
Cataract Surgery (Family Member) ** One in lifetime for one member of the family unit ** |
- | - | - | - |
20,000.00 |
Cataract Surgery (Only for Member) ** Per eye ** |
50,000.00 |
- | - | - | - |
Natural Death Insured (Only for Member) |
700,000.00 |
- | - | - |
700,000.00 |
Accidental Death Insured (Only for Member) |
2,000,000.00 |
- | - | - |
2,000,000.00 |
Total Permenent Disablement caused by Accidents (Only for Member) |
1,500,000.00 |
- | - | - |
1,500,000.00 |
Total Permenent Disablement caused by Disease (Only for Member) |
200,000.00 |
- | - | - |
200,000.00 |
Type of Benefit | Max Amount (per case) Rs. |
Duration | Rate (per Date) Rs. |
Limit (per Year) Rs. |
Limit (per lifetime) Rs. |
---|---|---|---|---|---|
Private Hospital Room Charges |
30,000.00 |
10 days |
3,000.00 |
- | - |
Pvt Hospital Surgical & Medical Treatment | - | - | - |
50,000.00 |
- |
Private Hospital Consultation Fee | - | - | - |
20,000.00 |
- |
Private Hospital Medical Test | - | - | - |
20,000.00 |
- |
For obtaining in-house treatment in a private Ayurvedic hospital subjective to above categories (private Ayurvedic hospital should be a registered entity under local subjective Ministry.) | - | - | - |
120,000.00 |
- |
Gov. Hospital Room Charges |
5,000.00 |
10 days |
500.00 |
- | - |
Gov. Ayurvedic Hospital Room Charges |
5,000.00 |
10 days |
500.00 |
- | - |
Heart Surgeries (Only for Member) | - | - | - | - |
500,000.00 |
RF Ablation (Only for Member) | - | - | - | - |
225,000.00 |
Cancer Insured Package (Only for Member) | - | - | - | - |
200,000.00 |
Kidney transplantations (Only for Member) | - | - | - | - |
200,000.00 |
Reanal Failure (Only for Member) | - | - | - | - |
150,000.00 |
Paralysis (Only for Member) | - | - | - | - |
150,000.00 |
Multiple Sclerosis (Only for Member) | - | - | - | - |
150,000.00 |
Primary Pulmonary Arterial (Only for Member) | - | - | - | - |
150,000.00 |
Fulminate Hepatitis (Only for Member) | - | - | - | - |
150,000.00 |
Hearing aids (Only for Member) | - | - | - | - |
50,000.00 |
Avastin Injection (Only for Member) | - | - | - | - |
25,000.00 |
Natural Death Insured (Only for Member) |
150,000.00 |
- | - | - |
150,000.00 |
Accidental Death Insured (Only for Member) |
600,000.00 |
- | - | - |
600,000.00 |
Name | Address |
---|---|
NEW CHANDRA MOTORS | No.190, Dr.N.M.Perera Mawatha,Colombo 08 |
LIYANAGE MOTORS | No.164/F,Main Street,Battaramulla |
CHANDRASIRI MOTOR WORKS | No.125, Rajagiriya Road,Rajagiriya |
NEW RANJITH MOTORS | No.197/5, Rajagiriya road,Rajagiriya |
SANJEEWA MOTORS | No.1177/1, Kotte Road,Rajagiriya |
ORIENTAL MOTOR GARAGE | No.135, D.R.Wijewardena Mawatha,Colombo 10 |
POPULAR HOUSE | No.189, Colombo Road,Divulapitiya,Boralasgamuwa |
AJITH AUTO ENGINEERING | No.122, Buthgamuwa Road, Rjagiriya |
MATARA GARAGE | No.287/5, Highlevel Road,Kirillapona,Colombo 05 |
SDH ENTERPRISE | No.18/6 A,Vidyakara Mawatha,Maharagama |
DS MOTORS | No.206/4, Dehiwala Road,Maharagama |
RATHNA MOTORS | No.128/4, Galwala Road,Katuwawala,Boralasgamuwa |
JAYA MOTORS | No.194, Colombo Road,Divulpitiya,Boaralasgamuwa |
UD MOTORS ENGINEERING | No.108/3, Pelenwatta, Pannipitiya |
DULRAN MOTORS | No.286/3, Makumbura, Pannipitiya |
RDS MOTORS | No.56/2, Thalawathugoda Road,Colombo |
NEW SUSIL MOTORS | No.506/B,Anagarika Dharmapala Mawatha,Thalawathugoda |
NEW NETHMINI MOTORS | No.12, Rajamalwatta Road,Battaramulla |
AUTO FORCE | No.49/2, Sri Saranankara Road,Dehiwala |
GRND AUTO –TECH | No.1/B/2,Horana Road,Kahathuduwa,polgasowita |
HIRUSHI AUTO | Kidelpitiya,Wemilla Junction,Bandaragama |
SAJITH MOTOR WORKS | No.61, Dibbedda Road,Panadura |
WEST END MOTORS | No.144, Ward Place,Colombo 07 |
KUMASARU AUTO MOBILE | No.32, Nawala Road,narahenpita,Colombo 05 |
ASIRI MOTORS | No.25/5, Buwanekabahu Mawatha,Mirihana,Kotte |
SISHAN MOTORS | No.253, Rajasinghe Mawatha,Kothalawala,Kaduwela |
S.L.MOTORS | No.4/5, Walpola, Aggona, Angoda |
CHAMUDINI MOTORS | No.510, Gamage Wtta,Gothatuwa |
MR.PAINT | No.175, Vauxhall Street,Colombo 02 |
EURO CAR MART | No.06, Staition Road,Colombo 02 |
U.D.P.FERNANDO & CO.(PVT) LTD | No.265/2, Sri Saddharma Mawatha,Colombo 10 |
505 MOTORS | No.885, Danister De Silva Mawatha,P.O.Box 1862,Colombo 14 |
CEYLON MOTOR WORKS | No.761/1, Kandy Road,Kelaniya |
B M D ENGINEERING PVT LIMITED | No.69, Athurugiriya road,Homagama |
Dissanayaka Motors | No.64/188, Santhananpitiya Rd,3rd step,Embuldeniya,Kelaniya |
Shameera Garage | No.26/1 Malini Bulathsinhala Rd, Borelasgamuwa |
Padmini Motors | No.120/D/6,Galwala Rd,Katuwawala,Boralesgamuwa |
B.M.D Engineering Works (PVT.)Ltd | No.69,Athurugiriya Rd,Homagama |
Samantha Motors Center | No .412/18/B,Pitipana North, Homagama |
Reliable Motor Traders (Pvt) Ltd | No:94/1,Vijaya Kumaranatunga Mw,Polhengoda,Colombo 05 |
Dayasri Auto Tech (PVT) Ltd | No.48/B,Kolamunna,Piliyandala |
Jayantha Motors & Fiber Glass | 50,Jaya Mawatha,Battaramulla |
New Perera Motors | 645,Subithipura Road,Battaramulla |
Thilakarathna Motors | No.115A,Rabarwatta Rd,Gangodawila,Nugegoda |
Goldway Motor Engineers | No.Horana Rd,Honnanthara,Kesbewa |
Sriya Ananda Motors | No.252,High Level Rd,Kirulapona,Colombo 06 |
Italian Thoroughbred Motor Company (pvt) Ltd | No.268B,Ariyasighala Mawatha,Kalapaluwawa,Rajagiriya |
Preethi Motors | Galle Rd,Pambrana,Matara,sri Lanka |
Matara Auto Tec | No.363A,Anagarika Dharmapala Rd,Nupe,Matara |
Samrasinghe Motors (Pvt) Ltd | No.21,Dumriyapola Rd,Matara |
Siri Motors | 512B,Maithripala senanayaka Mawatha,New Town,Anuradhapura |
Wheel Masters Private Limited | No:514/A3A,Mithreepala Senanayaka Mawatha,Anuradhapura |
New Jayasekera Automotors(PVT)Ltd | No.209,Wilgoda Circular Road,Yantampalawa,Kurunegala |
The National Insurance Trust Fund Board was established by the National Insurance Trust Fund Act, No. 28 of 2006. Its contribution towards the economy encompasses the provision of reinsurance, strike, riot, civil commotion and Agrahara medical insurance, health insurance, other forms of general insurance including and crop insurance covers. NITF has extended its services to the general public with regard to the provision of all classes of general insurance.
National Insurance Trust Fund was established in 2006, as a statutory body to offer Agrahara Insurance for public sector. We offer unique benefit schemes and provide protection for all segment in general insurance industry.
NITF ushered a new era to insurance industry by serving all government officers providing general insurance schemes. We have been providing insurance cover to all Strike, Riot, Civil Commotion & Terrorism through our SRCC & T Fund. As per a government Gazette notification No. 1791/4 of 31st December 2012, all primary insurers are now required to cede 30% of their total reinsurance premium arising out of every general reinsurance contract to NITF. At present, the National Insurance Trust Fund is the only Sri Lankan body which provides reinsurance cover to primary insurers. NITF takes pride in having some of the best turnaround times in service to settle the claim and handle exceptions fast and according to our business rules.
"SAFETY-NET AND PROTECTION FOR ALL NEEDY INSURANCE SECTORS "
To participate in the social and the economic development of Sri Lanka through :
Mrs. Sagala Abhayawickreme joined the NITF in 2023, becoming the first female chairperson in its history. She recruited competent staff to drive the fund forward. A lawyer by profession, she provided solutions to numerous legal challenges. She pioneered public access to the NITF by designating Mondays as a public day. Additionally, she introduced a system to process Agrahara claims within ten days. Under her leadership, the backlog accumulated during the COVID-19 pandemic and fuel crisis was successfully addressed.
Mr. Mawahib Mowjood joined the NITF in 2020 as Chairman and faced many challenges due to the COVID-19 pandemic situation. However, he overcame the issues efficiently.He has experience in both the government and private sectors. Some institutions he worked for include Working Director and Acting Chairman, Road Development Authority (RDA); Director, Maga Neguma; Member, Board of Directors, Sri Lanka Tea Board; Member, National Police Commission, Member, Board of Directors, Lankaputhra Development Bank, and Board Member, National Savings Bank.
Mr. Manjula de Silva joined the NITF in 2015 as the Chairman. He has previously served as a Member of the Securities and Exchange Commission, Managing Director and Chief Executive Officer of HNB Assurance, and Director General of the Public Enterprise Reform Commission.He is also a former Chairman of the Chartered Institute of Management Accountants and was in the Regional Board for the Middle East, South Asia and North Africa region.A past president of both the Insurance Association of Sri Lanka and the Unit Trust Association of Sri Lanka.He has served in the chamber committee and as the Chairman of the steering committee on insurance.
Mr. Vidanagamachchi joined the NITF in 2013 after retiring from the post of Deputy Secretary to the Treasury. He previously served as Chairman of the Ceylon Petroleum Corporation, Board Member of Peoples Bank, Airport and Aviation, Telecom, and Lanka Sathosa, National Water and Drainage Board. During his tenure, he leveraged his knowledge and experience to make numerous policy decisions that shaped the NITF's operations.
Mr. A.K. Seneviratne joined the NITF as Chairman in 2012, having previously served as an NITF Board Member since 2010. He possesses extensive experience in preparing the Sri Lankan National Budget. Additionally, he has served on the boards of the Ayurveda Corporation and the Securities Exchange Commission of Sri Lanka. Under his leadership, the reinsurance percentage increased from 20% to 30%, contributing to foreign currency retention within the country.
Mr. Senaka Abeygunasekera joined the NITF in 2010 and focused on expanding the general insurance business by acquiring large portfolios and increasing the branch network, including the opening of the Hambantota branch. He initiated the creation of a NITF logo and the tagline "Trust Forever."
Mr A A Wijepala joined the NITF in 2008 after retiring from the position of Commissioner General of Inland Revenue. He managed the fund efficiently and made some necessary recruitments. He identified the insurance needs of the country and made arrangements to gazette provisions for insurance for migrant workers and general insurance business (other than life insurance) for government institutions and the private sector. He initiated the opening of the first branch office in Anuradhapura.
Professor Lakshman R. Watawala joined the NITF as Chairman in 2008. Previously, he served as Chairman and Managing Director of the State Mining and Mineral Development Corporation, Chairman of People's Bank & People's Merchant Bank, Chairman of Pan Asia Bank Ltd., and a Financial, Foreign Investment, and Educational Consultant.Leveraging his extensive experience and knowledge, he made significant contributions to the upliftment of the NITF.
Former Vice Chancellor of Sri Jayewardenepura University of Sri Lanka, Chairman of Sri Lanka Insurance Corporation, Chairman of National Savings Bank, and Director General of National Institute of Education, joined NITF as the first Chairman once the National Insurance Trust Fund Act No 28 of 2006 was passed. It was a major task to recruit the required staff, find necessary resources, and introduce an agrahara claim management system. However, he successfully overcame these challenges.He was an academic, economist, speaker, author, lawyer, orator, administrator, and politician.
Division
Email : nime@nitf.lk
Division
Email : randima@nitf.lk
Division
Email : upeksha@nitf.lk / wass@nitf.lk
Division
Email : prashan@nitf.lk / gayanibanneheka@nitf.lk
Division
Email : era@nitf.lk
Division
Email : dammika@nitf.lk / namal@nitf.lk / sisitha@nitf.lk
Division
Email : jayalath@nitf.lk
Division
Email : gihan@nitf.lk / chathuranga@nitf.lk
Division
Email : saman@nitf.lk
Division
Email : nuwand@nitf.lk
Division
Email : sachintha@nitf.lk
Email : sandaruwanr@nitf.lk
Division
Email : rajith@nitf.lk
Division
Email : sudarshi@nitf.lk / prathibhaw@nitf.lk
Division
Email : gayanf@nitf.lk