DFCC · Fixed Deposit
Rates as of 2026-09-01 · 10 days ago (getting stale) · Benefit terms as of 2026-09-01
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).
↳ No maximum. Also available in USD and other foreign currencies at separately negotiated terms.
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 multiple currencies – LKR, USD, and other major foreign currencies
- ·Can be used as collateral/security for loans and overdraft facilities
- ·Preferential/negotiated interest rates available for large (high value) deposits
- ·Digital banking features: DFCC One, Online Banking, eStatements, Alerts
- ·Funds at maturity are transferred to a savings account of the deposit holder
| 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% 0.00% | 8.00%coupon 7.75% 0.00% |
AER history
LKR at-maturity AER by tenor over time. It thickens as we capture more.
References
- Product detailsprimary ↗·dfcc.lk·updated 4 days ago
- Rates page ↗·dfcc.lk·updated 12 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.