National Savings Bank FD Rates & Calculator
Live NSB fixed deposit rates — every tenure, updated from the official tariff.
Highest published NSB rate — 5 Years
Source: National Savings Bank official rates page — always confirm the offered rate at the branch before depositing.
Calculate a NSB FD
Rates auto-fill from the NSB tariff above. For a custom rate or compounding options use the full FD calculator.
Enter a deposit amount
Pick a tenure and amount — the NSB rate is applied automatically.
National Savings Bank fixed deposit rates today
Ranked against 12 tracked banks for the same tenure.
| Tenure | Rate | Market rank |
|---|---|---|
| 1 Month | 6.25% | #9 of 9 (top: 8.50% Cargills Bank) |
| 3 Months | 6.75% | #11 of 11 (top: 11.25% Cargills Bank) |
| 4 Months | 6.85% | #2 of 2 (top: 10.00% Pan Asia Bank) |
| 6 Months | 7.00% | #10 of 10 (top: 9.75% Cargills Bank) |
| 7 Months | 7.10% | #3 of 3 (top: 10.00% DFCC Bank) |
| 1 Year | 7.25% | #8 of 10 (top: 11.00% Pan Asia Bank) |
| 2 Years | 7.25% | #9 of 9 (top: 11.50% Union Bank) |
| 3 Years | 7.75% | #9 of 9 (top: 11.75% Union Bank) |
| 4 Years | 8.00% | #4 of 4 (top: 12.00% Union Bank) |
| 5 Years | 8.25% | #9 of 9 (top: 15.00% Cargills Bank) |
About National Savings Bank fixed deposits
National Savings Bank (NSB) is a state-owned savings bank. Its fixed deposits are a common choice for savers who prioritise government backing.
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 NSB.
FD rates by bank
NSB fixed deposits — FAQ
What is the highest NSB fixed deposit rate right now?
The highest published National Savings Bank FD rate we track is 8.25% p.a. on the 5 Years tenure (effective 2026-10-20). Rates move when the bank revises its tariff — this page updates automatically when that happens.
How do NSB FD rates compare with other banks?
For a 1 Year deposit, National Savings Bank pays 7.25% p.a. — ranked #8 of 10 banks we track. The best comparable offer is 11.00% p.a. (Pan Asia Bank). Tenure mix varies by bank, so compare like-for-like periods.
Does National Savings Bank offer senior-citizen FD rates?
No separate senior-citizen rate appears in the current NSB tariff we track. Some banks apply a premium only at the counter — ask the branch.
Is National Savings 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.
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: National Savings Bank
Sources & methodology
Part of the Savings & Retirement collection
How we calculate
CBSL rates & indicators
Get monetary policy change alerts
- 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