Sri Lanka

Fixed Deposit Rates

Annual Effective Rates (AER) across Sri Lankan banks, compounding-normalised so monthly-payout and at-maturity rates compare on the same basis. Every rate shows its trend. Pick a goal, tap a column to sort, or compare directly. We re-fetch daily at 10:30 AM LKT.

Alert me when FD rates change ✓ After inflation(CCPI 5.50%)

Showing real returns — each AER minus CCPI inflation of 5.50% (the latest CBSL reading). A rate at or below inflation means your money loses purchasing power. The nominal rate is shown beneath each cell.

Highest 1-year rate

Max return, 1-year term

Monthly income

Interest paid out monthly

Senior citizen

Senior-citizen rate cards

Short-term parking

Best 1–3 month rates

Foreign currency

USD / GBP / EUR deposits

CurrencyLKR USD EUR GBP JPY AUD CAD CHF SGD NZD HKD CNY SEK NOK DKK

PayoutAt maturity Monthly payout Quarterly payout Bi-annual payout Annual payout

Rate cardStandard Senior citizen

Min depositAny ≤ Rs 100K ≤ Rs 500K ≤ Rs 1M ≤ Rs 5M

ActiveAfter inflation (CCPI 5.50%)

5banks · LKR · At maturity · latest as of 2026-06-25

Risk-free benchmark:the 364-day government T-bill yields4.66% real— an FD should beat this to be worth the bank risk and lock-in.T-bills →

Market average:the system-wide average FD rate (AWFDR) is3.08% real— anything above beats the average bank.Money Snapshot →

Bank	1 month	2 months	3 months	6 months	1 year	2 years	3 years	4 years	5 years
DFCC 22 hr ago min Rs 10K Source	2.53%nominal 8.03% 0.00%	2.50%nominal 8.00% 0.00%	4.88%nominal 10.38% +11.49%	4.75%nominal 10.25% +5.34%	5.00%nominal 10.50% +10.53%	4.95%nominal 10.45% 0.00%	4.68%nominal 10.18% 0.00%	4.80%nominal 10.30% 0.00%	4.70%nominal 10.20% 0.00%
HNB 15 days ago min Rs 25K Source	2.80%nominal 8.30% +14.80%	—	3.81%nominal 9.31% +12.99%	4.49%nominal 9.99% +18.65%	4.50%nominal 10.00% +17.65%	5.20%nominal 10.70% 0.00%	4.45%nominal 9.95% 0.00%	4.05%nominal 9.55% 0.00%	5.05%nominal 10.55% 0.00%
NDB 5 hr ago min Rs 10K Source	2.80%nominal 8.30% 0.00%	—	4.34%nominal 9.84% +5.69%	4.49%nominal 9.99% +5.60%	4.50%nominal 10.00% 0.00%	4.95%nominal 10.45% +4.50%	4.88%nominal 10.38% +4.11%	4.80%nominal 10.30% +3.83%	5.03%nominal 10.53% +3.24%
Sampath 15 days ago min Rs 25K Source	2.80%nominal 8.30% 0.00%	3.31%nominal 8.81% 0.00%	3.27%nominal 8.77% 0.00%	4.23%nominal 9.73% 0.00%	4.00%nominal 9.50% 0.00%	5.18%nominal 10.68% +11.95%	4.47%nominal 9.97% +9.08%	4.80%nominal 10.30% +17.31%	4.70%nominal 10.20% +11.35%
Seylan 21 days ago Source	—	2.24%nominal 7.74%—	3.27%nominal 8.77%—	3.44%nominal 8.94%—	3.50%nominal 9.00%—	4.95%nominal 10.45%—	4.47%nominal 9.97%—	4.04%nominal 9.54%—	4.70%nominal 10.20%—

Showing AER (Annual Effective Rate) for the standard adult-retail FD. Hover any rate for the maths behind it, or see the full methodology for worked sums (coupon vs AER, per-payout cadences, simple-interest annualisation). Tap any column header to sort. Sparklines show each rate's movement; click a bank for its full term structure.

Tax & insurance:FD interest is subject to withholding tax and balances are covered by Sri Lanka's deposit-insurance scheme up to a statutory limit. Both are the same across licensed banks and change with policy, so confirm the current figures with the bank or the IRD. FCY FDs may require minimum balance / KYC checks at the bank's discretion.