Fixed Deposit Calculator
Compare FD rates across Sri Lankan banks and calculate your maturity amount with interest.
Deposit Details
Deposit Amount (Rs.)
Compare FD rates across Sri Lankan banks and calculate your maturity amount with interest.
Bank Rate Comparison (1 Year)
| Bank | Rate | AER | Net Interest (after tax) | Maturity Amount |
|---|---|---|---|---|
| Pan Asia BankBest Rate | +Rs. 9,900 | Rs. 109,900 | ||
| Cargills Bank | +Rs. 9,000 | Rs. 109,000 | ||
| Commercial Bank | +Rs. 9,000 | Rs. 109,000 | ||
| Nations Trust Bank | +Rs. 9,000 | Rs. 109,000 | ||
| NDB Bank | +Rs. 8,595 | Rs. 108,595 | ||
| Union Bank | +Rs. 8,100 | Rs. 108,100 | ||
| Bank of Ceylon | +Rs. 6,525 | Rs. 106,525 | ||
| National Savings Bank | +Rs. 6,525 | Rs. 106,525 | ||
| Seylan Bank | +Rs. 5,400 | Rs. 105,400 | ||
| People's Bank | +Rs. 4,410 | Rs. 104,410 |
* Rates shown are indicative. AER (Annual Equivalent Rate) reflects the effective annual rate if periodic interest were reinvested. Verify with respective banks for current rates, minimum deposits, and payout options.
Example: Rs. 500,000 for 12 months at 11%
Sample Inputs
Best Fixed Deposit Rates in Sri Lanka 2026
Compare the highest 12-month FD rates offered by major Sri Lankan banks. Rates shown are for regular depositors; senior citizens may receive a higher rate where the bank offers one.
| Bank | 12 Months | Senior 12 Months | Verified | Source |
|---|---|---|---|---|
| Pan Asia BankBest rate | 11.00% | — | pabcbank.com | |
| Cargills Bank | 10.00% | — | cargillsbank.com | |
| Commercial Bank | 10.00% | — | combank.lk | |
| Nations Trust Bank | 10.00% | — | nationstrust.com | |
| NDB Bank | 9.55% | — | ndbbank.com | |
| Union Bank | 9.00% | 1.00% | unionb.com | |
| Bank of Ceylon | 7.25% | 7.75% | boc.lk | |
| National Savings Bank | 7.25% | — | nsb.lk | |
| Seylan Bank | 6.00% | — | seylan.lk | |
| People's Bank | 4.90% | — | peoplesbank.lk |
Rates shown are nominal annual rates (not AER / EAR), as of FD data last scraped 10/10/2026. Verify current rates and minimum deposits with each bank before depositing. WHT of 10% applies to interest income (IRD Circular SEC/2025/E/02, effective 1 April 2025). Senior-citizen rates usually require the depositor to be 60+ with proof of age. Deposits at licensed banks are covered by SLDILSS up to Rs. 1,100,000 per depositor per bank. All listed institutions are licensed commercial banks; verify licence status via CBSL if in doubt.
Fixed Deposit Rates by Bank
Latest published nominal annual FD rates per bank in our dataset (last scraped 10/10/2026). Rates are indicative — verify with the bank before depositing.
Bank of Ceylon fixed deposit rates
- 1 Month6.75% (senior 7.75%)
- 3 Months7.90%
- 6 Months8.10%
- 1 Year7.25% (senior 7.75%)
- 2 Years7.50% (senior 7.75%)
- 3 Years7.75%
- 5 Years8.25%
Official rates · effective 2026-10-10
Cargills Bank fixed deposit rates
- 1 Month8.50%
- 3 Months11.25%
- 6 Months9.75%
- 1 Year10.00%
- 2 Years11.00%
- 3 Years11.60%
- 5 Years15.00%
Official rates · effective 2026-10-10
Commercial Bank fixed deposit rates
- 1 Month8.00%
- 3 Months9.00%
- 6 Months9.75%
- 1 Year10.00%
- 2 Years11.00%
- 3 Years11.50%
- 5 Years12.50%
Official rates · effective 2026-10-10
DFCC Bank fixed deposit rates
- 100 Days10.00%
- 200 Days10.00%
- 300 Days10.50%
- 400 Days10.50%
Official rates · effective 2026-10-10
National Savings Bank fixed deposit rates
- 1 Month6.25%
- 3 Months6.75%
- 4 Months6.85%
- 6 Months7.00%
- 7 Months7.10%
- 1 Year7.25%
- 2 Years7.25%
- 3 Years7.75%
- 4 Years8.00%
- 5 Years8.25%
Official rates · effective 2026-10-10
Nations Trust Bank fixed deposit rates
- 1 Month8.00%
- 3 Months9.00%
- 6 Months9.75%
- 1 Year10.00%
- 2 Years11.00%
- 3 Years11.00%
- 4 Years11.00%
- 5 Years11.25%
Official rates · effective 2026-10-10
NDB Bank fixed deposit rates
- 1 Month8.00%
- 3 Months9.20%
- 6 Months9.40%
- 1 Year9.55%
- 2 Years10.00%
- 3 Years9.90%
- 5 Years10.05%
Official rates · effective 2026-10-10
Pan Asia Bank fixed deposit rates
- 1 Month8.00%
- 3 Months9.00%
- 4 Months10.00%
- 5 Months9.75%
- 6 Months9.32%
- 7 Months9.50%
- 10 Months11.00%
- 12 Months11.00%
- 13 Months11.00%
- 24 Months9.98%
- 30 Months10.19%
- 36 Months10.45%
- 48 Months9.15%
- 60 Months9.33%
- 10 Years9.54%
Official rates · effective 2026-10-10
People's Bank fixed deposit rates
- 1 Month6.75%
- 3 Months7.25%
- 6 Months7.50%
- 1 Year4.90%
- 2 Years10.00%
- 3 Years10.50%
- 5 Years11.50%
Official rates · effective 2026-10-10
Union Bank fixed deposit rates
- 1 Month8.00%
- 3 Months9.00%
- 6 Months9.50%
- 1 Year9.00% (senior 1.00%)
- 2 Years11.50%
- 3 Years11.75%
- 4 Years12.00%
- 5 Years13.50%
Official rates · effective 2026-10-10
Fixed Deposit vs Unit Trust: Which Is Better?
Both FDs and unit trusts are popular investment options in Sri Lanka. The right choice depends on your risk tolerance, investment horizon, and return expectations.
| Feature | Fixed Deposit | Unit Trust |
|---|---|---|
| Return Rate | Up to ~10% p.a. on 1-year tenures (capital guaranteed) | Variable, 8-15% historical |
| Risk Level | Very low (capital guaranteed) | Low-moderate (market risk) |
| Tax | 10% WHT on interest (final for most) | Withholding may apply on distributions |
| Liquidity | Locked until maturity (penalty for early exit) | Redeemable any business day |
| Minimum Investment | Rs. 5,000-25,000 | Rs. 1,000-10,000 |
| Deposit Insurance | Up to Rs. 1.1M (SLDILSS) | Not insured (but regulated by SEC) |
| Best For | Capital preservation, predictable income | Growth, diversification, inflation hedge |
| Inflation Protection | Poor (fixed rate may lag inflation) | Better (can invest in equities, gold) |
Recommendation
For short-term goals (under 2 years), fixed deposits are safer. For long-term wealth building (5+ years), a mix of FDs and unit trusts provides better risk-adjusted returns. Use our Unit Trust Comparison tool to explore fund options.
What This Calculator Does
This calculator computes your fixed deposit maturity amount and compares rates across major Sri Lankan banks. It accounts for withholding tax, senior citizen bonuses, and different compounding options to help you maximize your FD returns.
- Compares FD rates across 10+ major Sri Lankan banks
- Calculates maturity amount with 10% WHTWithholding Tax — tax deducted at source before the money reaches you deducted
- Supports simple and compound interest calculations
- Applies senior citizen bonus rates where available
- Shows visual comparison chart for easy decision-making
Inputs and Assumptions
Assumptions
- - 10% Withholding Tax is deducted from interest (IRDInland Revenue Department — Sri Lanka's tax authority Circular SEC/2025/E/02, effective 1 April 2025)
- - Rates are indicative and may change
- - No early withdrawal penalties considered
- - Interest paid at maturity for simple interest
Frequently Asked Questions
Related Resources
Sampath Bank Fixed Deposit Calculator
To estimate a Sampath Bank fixed deposit, enter Sampath's quoted annual rate for your chosen tenure — including the 3-month tenure — in the custom rate field above, along with your deposit amount. The calculator applies the same withholding-tax and compounding rules to any bank's quoted rate.
Sampath Bank's own rate card is not currently part of our validated daily rate dataset, so we do not display a pre-filled Sampath rate. Check Sampath Bank's official fixed deposit rates for the latest published rates, then enter the annual rate that matches your tenure.
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 10, 2026 at 05:38 AM
Data Sources: Amana Bank, Bank of Ceylon, Cargills Bank, Commercial Bank, DFCC Bank and 7 more
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