Welcome to SMIB Bank


State Mortgage & Investment Bank

Welcome to State Mortgage & Investment Bank

Contact No : 94 11 2 573 567

Address : No. 269, Galle Road, Colombo 3.

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Sumithuru
Indicative Rate (P.A) Tenure Max Loan Amount
Up to 11.50.% 7 Years LKR 4,000,000

Features
To construct or purchase a house
To purchase a building site
To complete construction of a new house or add new extensions
To repair or renovate an existing house
To redeem loans obtained from a recognized Financial Institutions for housing purposes
To obtain electricity, water supply facilities etc.

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Shrama Abhimani
Indicative Rate (P.A) Tenure Max Loan Amount
Refer Bank Up to 15 Years Contact Bank

Features
To construct a house | To purchase a house | To purchase a building site | Extension of a house | To repair or renovate a house
water supply facilities
To redeem a loan obtained for any of the above purpose from financial institutions /Individual person.
To obtain Electricity, water supply facilities etc.
The maximum repayment period is 15 years or reaching the age of 60 years whichever is lower.
Up to 75% of the EPF balance as certified by the Central Bank of Sri Lanka and according to your repayment capacity.

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Pahan Piyasa
Indicative Rate (P.A) Tenure Max Loan Amount
10.25% to 10.50% Contact Bank Contact Bank

Features
To Construct or Purchase a house | To purchase a block of land to build a house | To add a new part to a house /extensions
To complete a partly built house / To construct a section of house
To Repay a loan obtained from a recognized financial institution for housing purpose (Redemption)
To Purchase of machinery, equipment / To construct a factory building / To Purchase agriculture vehicle or properties For the financial requirements of the small & medium Enterprises.
To purchase a vehicle for transportation & tourism Industry
To Finance for tourism, agricultural & fishing Industry.

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Auto Loan
Indicative Rate (P.A) Tenure Max Loan Amount
12.50% Up to 7 Years LKR 15,000,000

Features
The bank will finance a minimum amount of LKR 500,000 -, and a maximum amount LKR 15.0 Million
SMIB will finance only - Cars, SUV’s,Van,Lorry, bus and Jeeps
Vehicles financed can be brand new, unregistered or registered, provided the vehicle is not older than 10 yrs from date of manufacture at the time of obtaining the loan.
Exceptions being, Indian (Maruti/ Tata) and Chinese – Brand new only
Exceptions being, Korean / other Asian – Brand new and reconditioned (unregistered) only

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SARANI
Category Indicative Rate (P.A)
Children Savings 6.00%

Features
Stability and being a state owned bank, Rewards on educational achievements
Highest interest rates, Most flexible customer service ,Attractive gift scheme
A special donation will be granted fro the bank to the account holder, if the child suffers any illnesses as listed in the product (Conditions apply)
A minor savings account holder may be eligible for loan facilities once he/she becomes a major, at the interest rate of 1% lesser than the prevailing rate of the particular product (Conditions apply)

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MUTHUSINA
Category Indicative Rate (P.A)
Children Savings 6.00%

Features
Stability and being a state owned bank, Highest interest rates, Most flexible customer service
Attractive gift scheme, Rewards on educational achievements
A minor savings account holder may be eligible for loan facilities once he/she becomes a major, at the interest rate of 1% lesser than the prevailing rate of the particular product (Conditions apply)
A special donation will be granted from the bank to the account holder, if the child suffers any illnesses as listed in the product (Conditions apply)

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Piduma
1 Month 2 Months 3 Months
-- -- 5.25%
6 Months 12 Months (1Y) 24 Months (2Y)
6.00% 6.60% 7.25%

Features
Minimum deposit amount of Rs. 5,000/=
Deposits can be placed for period of 01, 03, 06, 12, 24, 36 or 60 months.
Interest Payment methods,
Interest will be paid at maturity for all types of deposits
Interest will be paid at monthly only for deposits placed for 12, 24, 36 48, and 60 months
Up front interest is offered for FD (Only for special F.D. schemes as decided by the Bank)

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Kapthura
1 Month 2 Months 3 Months
4.50% -- 5.10%
6 Months 12 Months (1Y) 24 Months (2Y)
5.30% 5.60% 6.75%

Features
Minimum deposit amount of Rs. 5,000/=
Deposits can be placed for period of 01, 03, 06, 12, 24, 36 , 48 or 60 months.
Interest Payment methods,
Interest will be paid at maturity for all types of deposits
Interest will be paid at monthly only for deposits placed for 12, 24, 36, 48 and 60 month
Up front interest is offered for FD (Only for special F.D. schemes as decided by the Bank)

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