1-Month Fixed Deposit Rates in Sri Lanka — November 2026
Rates last verified
Find the best FD for you
Best for LKR 1,000,000 over 1 month · market average 7.95% · after 10% AIT
- 1
UB Finance
Fixed Deposits · Finance company
11.12%
LKR 1,008,340 at maturity · LKR 8,340 interest+2,376 vs avg
- 2
SMB Finance PLC
Fixed Deposits · Finance company
10.27%
LKR 1,007,703 at maturity · LKR 7,702 interest+1,739 vs avg
- 3
LCB Finance
LCB Fixed Deposits · Finance company
10.26%
0.86LKR 1,007,695 at maturity · LKR 7,695 interest+1,731 vs avg
A 1 month fixed deposit locks your money in for one month at a fixed rate. We compare 44 institutions so you can see who pays the most for exactly this term. Across 50 deposits we track for 1 month, the top rate is 11.12% p.a. from UB Finance, against a market average of 7.95%. The gap between the highest and lowest offer is 8.12 percentage points — on LKR 1,000,000 that is LKR 6,090 more interest after tax, just from choosing where to deposit. Finance companies lead: UB Finance pays 11.12%, while the best bank, Commercial Bank, pays 9.00%.
Best 1M rate
11.12%
UB Finance
Best bank (1M)
9.00%
Commercial Bank
Market average (1M)
7.95%
Median 8.00%
Compared
44
institutions · 65 deposits
Top 3 deposits for 1 month
#1 · Finance company
UB Finance
Fixed Deposits
11.12%
LKR 1,000,000 → LKR 1,008,340 after AIT (LKR 8,340 interest)
View deposit#2 · Finance company
SMB Finance PLC
Fixed Deposits
10.27%
LKR 1,000,000 → LKR 1,007,703 after AIT (LKR 7,702 interest)
View deposit#3 · Finance company
LCB Finance
LCB Fixed Deposits
10.26%
LKR 1,000,000 → LKR 1,007,695 after AIT (LKR 7,695 interest)
View depositAll 1 month FD rates, ranked
50 deposits for 1 month. Returns on LKR 1,000,000 shown after 10% AIT. Pick up to 3 to compare side by side.
| Compare | # | Institution & deposit | Type | Rate p.a. | Interest (net) | At maturity | Actions |
|---|---|---|---|---|---|---|---|
| 1 | Finance company | 11.12% | LKR 8,340 | LKR 1,008,340 | |||
| 2 | | Finance company | 10.27% | LKR 7,702 | LKR 1,007,703 | ||
| 3 | | Finance company | 10.26%0.86 | LKR 7,695 | LKR 1,007,695 | ||
| 4 |  | Finance company | 10.26% | LKR 7,695 | LKR 1,007,695 | ||
| 5 |  | Finance company | 10.00% | LKR 7,500 | LKR 1,007,500 | ||
| 6 |  | Finance company | 9.75% | LKR 7,313 | LKR 1,007,313 | ||
| 7 |  | Finance company | 9.75%1.25 | LKR 7,313 | LKR 1,007,313 | ||
| 8 |  | Finance company | 9.75% | LKR 7,313 | LKR 1,007,313 | ||
| 9 |  | Finance company | 9.50%1.00 | LKR 7,125 | LKR 1,007,125 | ||
| 10 |  | Finance company | 9.25% | LKR 6,938 | LKR 1,006,938 |
Banks vs finance companies for 1 month
Licensed banks
- Best
- 9.00%
- Average
- 7.04%
- Offers
- 24
Top: Commercial Bank
Finance companies
- Best
- 11.12%
- Average
- 8.79%
- Offers
- 26
Top: UB Finance
Compare other terms
Frequently asked questions
What is the best 1 month FD rate in Sri Lanka?
UB Finance currently pays the highest 1 month rate we track, 11.12% p.a. LKR 1,000,000 deposited for 1 month returns LKR 1,008,340 after 10% AIT.
Which bank pays the most for a 1 month fixed deposit?
Among licensed banks, Commercial Bank leads at 9.00%. The best finance company rate is 11.12% from UB Finance.
What is the average 1 month FD rate?
The average across 50 deposits is 7.95% and the median is 8.00%. Half of all offers pay less than the median, so it's worth looking beyond your current bank.
Can I withdraw before the term ends?
Most institutions allow premature withdrawal but pay a reduced rate — often the rate for the period actually completed, minus a penalty. Check the product's terms, or consider a loan against the FD instead of breaking it.
Rates are indicative, collected from each institution's published rate sheet, and can change without notice. Returns assume simple interest paid at maturity with 10% AIT withheld. Anybanq is a comparison service, not a bank, and this is not financial advice — confirm the final rate and terms with the institution.