Compare FD Rates Across Sri Lankan Banks
Find the best Fixed Deposit rates from trusted Sri Lankan banks. Updated regularly to help you make informed investment decisions.
Why Use SriLanka Rates?
Best Rates
Find the highest FD rates across all major banks in one place.
Real-Time Updates
Rates updated regularly to ensure you always have the latest information.
Verified Data
All rates are sourced directly from official bank sources.
Current FD Rates
| Bank Name | 6 Months | 12 Months | 24 Months | Last Updated |
|---|---|---|---|---|
| Commercial Bank | 9.75% | 10.00% | 11.00% | 2026-07-20 |
| Hatton National Bank | 9.75% | 10.00% | 12.00% | 2026-09-14 |
| National Savings Bank | 7.00% | 7.25% | 7.75% | 2026-09-14 |
| Pan Asia Bank | 9.75% | 9.50% | 11.00% | 2026-09-14 |
| Peoples Bank | 7.50% | 8.50% | 9.40% | 2026-09-14 |
| Sampath Bank | 9.75% | 10.00% | 11.25% | 2026-09-14 |
Understanding FD Rates in Sri Lanka
A Fixed Deposit (FD) is a savings account where you lock in a lump sum for a fixed term in exchange for a guaranteed interest rate. In Sri Lanka, FD rates are set by each bank (and licensed finance companies) and are insulated from market ups and downs for the term of the deposit. Comparing rates before you invest is the simplest way to grow your savings.
6-Month Fixed Deposits
Short-term deposits with quick access to your funds. A good fit if you want liquidity within half a year or are unsure about committing money for a full year. Rates are typically lower than longer tenures but still beat a standard savings account.
12-Month Fixed Deposits
The most popular maturity in Sri Lanka, offering a balance between returns and flexibility. Many banks run special promotional rates at the 12-month mark, so it pays to compare across institutions before renewing.
24-Month Fixed Deposits
Longer terms usually earn the highest interest rates and lock in today's rate for two years — useful when rates are expected to fall. Remember that early withdrawal may attract a penalty, so keep a separate cash buffer.
How We Compare Rates
Which banks do we track?
We track the published FD rates of six major banks: Commercial Bank, Hatton National Bank, National Savings Bank, Pan Asia Bank, Peoples Bank and Sampath Bank. These cover the state banking sector as well as leading private commercial banks.
Where do the numbers come from?
Rates are collected weekly from official bank announcements and each bank's public rate board. The table above shows the latest recorded rate per tenure, along with the date it was captured.
Is my deposit protected?
Deposits held with CBSL-licensed licensed commercial banks are insured by the Sri Lanka Deposit Insurance Scheme up to LKR 1.1 million per bank. Always confirm that your chosen institution is licensed and insured by the Central Bank of Sri Lanka.
Quick Tips for FD Investment
- ✓ Compare rates across multiple banks to maximize returns
- ✓ Consider the investment duration that matches your financial goals
- ✓ Lock in promotional 12-month rates before they expire
- ✓ Verify rates directly with banks before making a decision
- ✓ Ensure your bank is licensed and insured by the CBSL
Ready to Start Your FD Investment?
Use our tool above to compare rates, then contact the bank directly to start your investment journey.
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