The strategy focuses only on restructuring treasury bills and bonds under the Central Bank of Sri Lanka, along with superannuation funds such as the Employees Provident Fund and Employees' Trust Fund under the government.

Several concerns have been expressed by economic experts on the proposed DDR compelling the finance ministry to alleviate public fears and concerns of the impact and after effects on banks and pension funds such as EPF and ETF.

The main concern of proposed DDR is the attempt to limit interest payments to a mere 9 per4cent for the next 16 years, several former senior public officials disclosed adding that it is lower than the current average interest rate of around 13.5 percent putting immense pressure on employees who rely on their EPF savings for a secure future.

Private sector employees, unlike their public sector counterparts, cannot depend on a pension after 20 years of service. The reduced returns on their EPF investments threaten their livelihood during retirement.