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DFCC · Fixed Deposit
Rates as of 2026-06-01 · 9 days ago · Benefit terms as of 2026-06-08
Minimum deposit
Rs 10,000
Early withdrawal
Early withdrawals may be subject to a penalty or adjusted interest rates.
Auto-renewal
At maturity, funds are transferred to a savings account of the deposit holder (no auto-rollover stated).
Senior bonus
Special interest rates available for senior citizens (specific bonus rate not stated on this page).
↳ LKR 10,000 minimum (no maximum); also available in USD and other major foreign currencies (minimums not stated for foreign currency).
Who can open
Individuals above 18 years of age; businesses and entities.
Product features
- ·Flexible interest payment options: monthly, quarterly, bi-annually, annually, or at maturity
- ·Available in LKR, USD, and other major foreign currencies
- ·Can be pledged as security for loans and overdraft facilities
- ·Preferential rates negotiable for large deposits
- ·Digital banking access via DFCC One, online banking, eStatements, and alerts
| Payout | 1 month | 2 months | 3 months | 6 months | 1 year | 2 years | 3 years | 4 years | 5 years |
|---|---|---|---|---|---|---|---|---|---|
At maturity Interest compounds to the end — highest effective return. | 8.03%coupon 7.75%— | 8.00%coupon 7.75%— | 9.31%coupon 9.00%— | 9.73%coupon 9.50%— | 9.50%— | 10.45%coupon 11.00%— | 10.18%coupon 11.25%— | 10.30%coupon 12.00%— | 10.20%coupon 12.50%— |
Monthly payout Interest paid out monthly — steady income, slightly lower AER. | 8.03%coupon 7.75%— | — | 9.31%coupon 8.93% 0.00% | 9.73%coupon 9.32% 0.00% | 9.50%coupon 9.11% -5.00% | 10.45%coupon 9.98%— | 10.18%coupon 9.73%— | 10.30%coupon 9.84%— | 10.20%coupon 9.75%— |
Quarterly payout Interest paid every three months. | — | — | 9.31%coupon 9.00%— | — | 9.50%coupon 9.18%— | 10.45%coupon 10.07%— | 10.18%coupon 9.81%— | 10.30%coupon 9.92%— | 10.20%coupon 9.83%— |
Bi-annual payout Interest paid every six months. | — | — | — | 9.73%coupon 9.50%— | 9.50%coupon 9.28%— | 10.45%coupon 10.19%— | 10.18%coupon 9.93%— | 10.30%coupon 10.05%— | 10.20%coupon 9.95%— |
Annual payout Interest paid once a year. | — | — | — | — | 9.50%— | 10.45%— | 10.18%— | 10.30%— | 10.20%— |
Senior · maturity Senior-citizen rate card, interest at maturity. | — | — | 9.31%coupon 9.00%— | 9.73%coupon 9.50%— | 10.00%— | — | — | — | — |
Senior · monthly Senior-citizen rate card, monthly payout. | — | — | 9.31%coupon 8.93%— | 9.73%coupon 9.32%— | 10.00%coupon 9.57%— | — | — | — | — |
References
- Product detailsprimary ↗·dfcc.lk·updated 2 days ago
- Rates page ↗·dfcc.lk·updated 3 hr ago
AER (Annual Effective Rate) is compounding-normalised, so payout cadences compare fairly. Sparklines show movement over the past year; a flat or single-point line means the rate hasn't changed since tracking began.
FD interest is subject to withholding tax and deposits are covered by Sri Lanka's statutory deposit-insurance scheme — both are uniform across licensed banks and change with policy, so confirm current figures with the bank or the IRD. This is a comparison aid, not a quote; verify on the bank's own page before applying.