Amana Bank FD Rates & Calculator
Live Amana fixed deposit rates — every tenure, updated from the official tariff.
Highest published Amana rate — 6 Months
Source: Amana Bank official rates page — always confirm the offered rate at the branch before depositing.
Calculate a Amana FD
Rates auto-fill from the Amana tariff above. For a custom rate or compounding options use the full FD calculator.
Enter a deposit amount
Pick a tenure and amount — the Amana rate is applied automatically.
Amana Bank fixed deposit rates today
Ranked against 12 tracked banks for the same tenure.
| Tenure | Rate | Market rank |
|---|---|---|
| 3 Months | 7.52% | #9 of 11 (top: 11.25% Cargills Bank) |
| 6 Months | 9.02% | #7 of 10 (top: 9.75% Cargills Bank) |
About Amana Bank fixed deposits
Amana Bank operates on Islamic banking principles — term deposits share profit rather than paying conventional interest, so quoted rates are indicative returns.
Rates shown are indicative annual rates for regular deposits and exclude any promotional or branch-negotiated offers. Interest is subject to 10% withholding tax; confirm minimum deposits, premature-withdrawal penalties and senior-citizen eligibility directly with Amana.
FD rates by bank
Amana fixed deposits — FAQ
What is the highest Amana fixed deposit rate right now?
The highest published Amana Bank FD rate we track is 9.02% p.a. on the 6 Months tenure (effective 2026-10-20). Rates move when the bank revises its tariff — this page updates automatically when that happens.
How do Amana FD rates compare with other banks?
For a 6 Months deposit, Amana Bank pays 9.02% p.a. — ranked #7 of 10 banks we track. The best comparable offer is 9.75% p.a. (Cargills Bank). Tenure mix varies by bank, so compare like-for-like periods.
Does Amana Bank offer senior-citizen FD rates?
No separate senior-citizen rate appears in the current Amana tariff we track. Some banks apply a premium only at the counter — ask the branch.
Is Amana Bank FD interest taxed?
Yes — FD interest is subject to 10% Withholding Tax (WHT) deducted at source by the bank from 1 April 2025 (IRD Circular SEC/2025/E/02), which is a final tax for most individuals. The calculator above already applies this 10% deduction.
How often are these rates updated?
Automatically. We fetch the published bank tariff daily and this page always renders the latest successful fetch — a failed update keeps the last good data rather than showing nothing. The "effective" date under each rate block tells you exactly what is live.
Are Amana Bank deposits different from normal fixed deposits?
Yes. Amana Bank runs on Islamic banking principles, so its term deposits distribute a share of profit instead of fixed interest. The published percentages are indicative returns and the actual payout can differ — confirm the current profit-sharing arrangement with the bank before depositing.
Disclaimer: The rates and calculations shown are indicative and for informational purposes only. They do not constitute financial advice or a recommendation to invest. Actual rates may vary and are subject to change without notice.
Please verify current rates with the respective financial institution before making any financial decisions. Past performance does not guarantee future results.
Last Updated: October 20, 2026 at 05:01 AM
Data Sources: Amana Bank
Sources & methodology
Part of the Savings & Retirement collection
How we calculate
CBSL rates & indicators
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- Sri Lanka Banks Official Rates — 2026-07-01
- Central Bank of Sri Lanka Policy Rates — 2026
Methodology verified September 2026 against CBSL rates & indicators · Attribution: CalcLK