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Home › Fixed deposit rates › 12 months (1 year) FD rates

12-Month Fixed Deposit Rates in Sri Lanka — October 2026

Rates last verified 2 October 2026

FD FinderTop picksAll ratesBy tenureFAQ

Find the best FD for you

Interest paid

Best for LKR 1,000,000 over 12 months (1 year) · market average 10.31% · after 10% AIT

  1. 1

    Richard Pieris Finance

    Fixed Deposits and Savings · Finance company

    13.50%

    LKR 1,121,500 at maturity · LKR 121,500 interest+28,712 vs avg

    DetailsOpen this FD
  2. 2

    SMB Finance PLC

    Fixed Deposits · Finance company

    12.88%

    LKR 1,115,920 at maturity · LKR 115,920 interest+23,132 vs avg

    DetailsOpen this FD
  3. 3

    Softlogic Finance

    Fixed Deposits · Finance company

    12.88%

    LKR 1,115,920 at maturity · LKR 115,920 interest+23,132 vs avg

    DetailsOpen this FD
See all 54 deposits for this term

A 12 months (1 year) fixed deposit locks your money in for 12 months at a fixed rate. We compare 44 institutions so you can see who pays the most for exactly this term. Across 54 deposits we track for 12 months (1 year), the top rate is 13.50% p.a. from Richard Pieris Finance, against a market average of 10.31%. The gap between the highest and lowest offer is 6.75 percentage points — on LKR 1,000,000 that is LKR 60,750 more interest after tax, just from choosing where to deposit. Finance companies lead: Richard Pieris Finance pays 13.50%, while the best bank, Cargills Bank, pays 12.00%.

Best 1Y rate

13.50%

Richard Pieris Finance

Best bank (1Y)

12.00%

Cargills Bank

Market average (1Y)

10.31%

Median 10.00%

Compared

44

institutions · 65 deposits

Top 3 deposits for 12 months (1 year)

#1 · Finance company

Richard Pieris Finance

Fixed Deposits and Savings

13.50%

LKR 1,000,000 → LKR 1,121,500 after AIT (LKR 121,500 interest)

View deposit

#2 · Finance company

SMB Finance PLC

Fixed Deposits

12.88%

LKR 1,000,000 → LKR 1,115,920 after AIT (LKR 115,920 interest)

View deposit

#3 · Finance company

Softlogic Finance

Fixed Deposits

12.88%

LKR 1,000,000 → LKR 1,115,920 after AIT (LKR 115,920 interest)

View deposit

All 12 months (1 year) FD rates, ranked

54 deposits for 12 months (1 year). Returns on LKR 1,000,000 shown after 10% AIT. Pick up to 3 to compare side by side.

12-Month Fixed Deposit Rates in Sri Lanka — October 2026
Compare#Institution & depositTypeRate p.a.Interest (net)At maturityActions
1
Richard Pieris FinanceFixed Deposits and Savingsverified 101d ago — check with bank
Best
Finance company13.50%LKR 121,500LKR 1,121,500
CalculateDetails
2
SMB Finance PLCFixed Depositsverified 18d ago
Finance company12.88%LKR 115,920LKR 1,115,920
CalculateDetails
3
Softlogic FinanceFixed Depositsverified 18d ago
Finance company12.88%LKR 115,920LKR 1,115,920
CalculateDetails
4
Commercial Credit FinanceFixed Depositverified 80d ago — check with bank
Finance company12.75%LKR 114,750LKR 1,114,750
CalculateDetails
5
Fintrex FinanceFixed Depositsverified 18d ago
Finance company12.25%LKR 110,250LKR 1,110,250
CalculateDetails
6
LCB FinanceLCB Fixed Depositsverified 38d ago — check with bank
Finance company12.13%LKR 109,170LKR 1,109,170
CalculateDetails
7
Assetline FinanceFixed Depositsverified 111d ago — check with bank
Finance company12.00%LKR 108,000LKR 1,108,000
CalculateDetails
8
Cargills BankWishrama Fixed Depositsverified 447d ago — check with bank
Private bank12.00%LKR 108,000LKR 1,108,000
CalculateDetails
9
People's Leasing & FinanceFixed Depositsverified 18d ago
Finance company12.00%LKR 108,000LKR 1,108,000
CalculateDetails
10
Sarvodaya Development FinanceFixed Depositsverified 18d ago
Finance company11.75%LKR 105,750LKR 1,105,750
CalculateDetails
11
Central FinanceCF Termverified 80d ago — check with bank
Finance company11.50%LKR 103,500LKR 1,103,500
CalculateDetails
12
Central FinanceCF Ultraverified 80d ago — check with bank
Finance company11.50%LKR 103,500LKR 1,103,500
CalculateDetails
13
Dialog FinanceFixed Depositsverified 35d ago — check with bank
Finance company11.50%LKR 103,500LKR 1,103,500
CalculateDetails
14
HNB FinanceFixed Depositsverified 18d ago
Finance company11.50%LKR 103,500LKR 1,103,500
CalculateDetails
15
LB FinanceFixed Depositsverified 32d ago — check with bank
Finance company11.50%LKR 103,500LKR 1,103,500
CalculateDetails
16
MBSL FinanceFixed Depositsverified 38d ago — check with bank
Finance company11.50%LKR 103,500LKR 1,103,500
CalculateDetails
17
Vallibel FinanceFixed Depositsverified 18d ago
Finance company11.50%LKR 103,500LKR 1,103,500
CalculateDetails
18
NDB BankSpecial Deposit Accountverified 68d ago — check with bank
Private bank11.00%LKR 99,000LKR 1,099,000
CalculateDetails
19
SDB BankFixed Depositverified 74d ago — check with bank
Private bank11.00%LKR 99,000LKR 1,099,000
CalculateDetails
20
Singer FinanceStandard Fixed Depositsverified 18d ago
Finance company11.00%LKR 99,000LKR 1,099,000
CalculateDetails
21
Asia Asset FinanceFixed Depositsverified 18d ago
Finance company10.88%LKR 97,920LKR 1,097,920
CalculateDetails
22
Alliance FinanceFixed Depositverified 81d ago — check with bank
Finance company10.50%LKR 94,500LKR 1,094,500
CalculateApply
23
CBC FinanceFixed Depositsverified 47d ago — check with bank
Finance company10.50%LKR 94,500LKR 1,094,500
CalculateDetails
24
DFCC BankFixed Depositverified 80d ago — check with bank
Private bank10.50%LKR 94,500LKR 1,094,500
CalculateDetails
25
Cargills BankCargills Bank Fixed Depositverified 52d ago — check with bank
Private bank10.00%LKR 90,000LKR 1,090,000
CalculateDetails
26
CDB FinanceCDB Fixed Depositverified 80d ago — check with bank
Finance company10.00%LKR 90,000LKR 1,090,000
CalculateDetails
27
Commercial BankFixed Depositsverified 143d ago — check with bank
Private bank10.00%LKR 90,000LKR 1,090,000
CalculateDetails
28
HNB BankFixed Depositsverified 73d ago — check with bank
Private bank10.00%LKR 90,000LKR 1,090,000
CalculateDetails
29
NDB BankNDB Bank Fixed Depositverified 109d ago — check with bank
Private bank10.00%LKR 90,000LKR 1,090,000
CalculateDetails
30
NTB BankFixed Depositsverified 133d ago — check with bank
Private bank10.00%LKR 90,000LKR 1,090,000
CalculateDetails
31
RDB BankRDB Fixed Depositsverified 110d ago — check with bank
State bank10.00%LKR 90,000LKR 1,090,000
CalculateDetails
32
Sampath BankFixed Depositsverified 62d ago — check with bank
Private bank10.00%LKR 90,000LKR 1,090,000
CalculateDetails
33
Sampath BankCERTIFICATE OF DEPOSITverified 62d ago — check with bank
Private bank10.00%LKR 90,000LKR 1,090,000
CalculateDetails
34
Senkadagala FinanceFixed Deposit Accountsverified 101d ago — check with bank
Finance company10.00%LKR 90,000LKR 1,090,000
CalculateDetails
35
Seylan BankRegular Fixed Deposit 2-60 monthsverified 68d ago — check with bank
Private bank10.00%LKR 90,000LKR 1,090,000
CalculateDetails
36
UB FinanceFixed Depositsverified 108d ago — check with bank
Finance company10.00%LKR 90,000LKR 1,090,000
CalculateDetails
37
Janashakthi FinanceFixed Depositsverified 420d ago — check with bank
Finance company9.94%LKR 89,460LKR 1,089,460
CalculateDetails
38
Mahindra Ideal FinanceFixed Depositsverified 270d ago — check with bank
Finance company9.75%LKR 87,750LKR 1,087,750
CalculateDetails
39
Seylan BankFlexi Fixed Depositverified 68d ago — check with bank
Private bank9.75%LKR 87,750LKR 1,087,750
CalculateDetails
40
Siyapatha FinanceFixed Depositsverified 63d ago — check with bank
Finance company9.75%LKR 87,750LKR 1,087,750
CalculateDetails
41
Amãna BankLKR Term Investment Accountverified 76d ago — check with bank
Private bank9.50%LKR 85,500LKR 1,085,500
CalculateDetails
42
HDFC BankFixed Depositsverified 97d ago — check with bank
State bank9.50%LKR 85,500LKR 1,085,500
CalculateDetails
43
Sampath BankSampath Sanhinda Fixed Depositsverified 130d ago — check with bank
Private bank9.50%LKR 85,500LKR 1,085,500
CalculateDetails
44
LOLC FinanceGeneral Fixed Deposit Accountsverified 89d ago — check with bank
Finance company9.00%LKR 81,000LKR 1,081,000
CalculateDetails
45
PABC BankFixed Depositsverified 55d ago — check with bank
Private bank9.00%LKR 81,000LKR 1,081,000
CalculateDetails
46
People's Leasing & FinanceSenehasa Minor FDverified 396d ago — check with bank
Finance company9.00%LKR 81,000LKR 1,081,000
CalculateDetails
47
Union BankFixed Depositsverified 21d ago
Private bank9.00%LKR 81,000LKR 1,081,000
CalculateDetails
48
Sampath BankKalin Cashverified 130d ago — check with bank
Private bank8.67%LKR 78,030LKR 1,078,030
CalculateDetails
49
AMF CompanyFixed Depositsverified 81d ago — check with bank
Finance company8.50%LKR 76,500LKR 1,076,500
CalculateDetails
50
HDFC BankVishrama Udana Fixed Depositverified 410d ago — check with bank
State bank7.75%LKR 69,750LKR 1,069,750
CalculateDetails
51
MCB BankTerm Depositsverified 472d ago — check with bank
Private bank7.35%LKR 66,150LKR 1,066,150
CalculateDetails
52
NSB BankFixed Depositsverified 133d ago — check with bank
State bank7.25%LKR 65,250LKR 1,065,250
CalculateDetails
53
NSB BankNational Savings Certificateverified 469d ago — check with bank
State bank6.75%LKR 60,750LKR 1,060,750
CalculateDetails
54
SBI BankFixed Depositverified 467d ago — check with bank
Private bank6.75%LKR 60,750LKR 1,060,750
CalculateDetails
  1. 1
    Richard Pieris FinanceFixed Deposits and Savings

    13.50%

    LKR 1,121,500 · +121,500· check rate

  2. 2
    SMB Finance PLCFixed Deposits

    12.88%

    LKR 1,115,920 · +115,920

  3. 3
    Softlogic FinanceFixed Deposits

    12.88%

    LKR 1,115,920 · +115,920

  4. 4
    Commercial Credit FinanceFixed Deposit

    12.75%

    LKR 1,114,750 · +114,750· check rate

  5. 5
    Fintrex FinanceFixed Deposits

    12.25%

    LKR 1,110,250 · +110,250

  6. 6
    LCB FinanceLCB Fixed Deposits

    12.13%

    LKR 1,109,170 · +109,170· check rate

  7. 7
    Assetline FinanceFixed Deposits

    12.00%

    LKR 1,108,000 · +108,000· check rate

  8. 8
    Cargills BankWishrama Fixed Deposits

    12.00%

    LKR 1,108,000 · +108,000· check rate

  9. 9
    People's Leasing & FinanceFixed Deposits

    12.00%

    LKR 1,108,000 · +108,000

  10. 10
    Sarvodaya Development FinanceFixed Deposits

    11.75%

    LKR 1,105,750 · +105,750

  11. 11
    Central FinanceCF Term

    11.50%

    LKR 1,103,500 · +103,500· check rate

  12. 12
    Central FinanceCF Ultra

    11.50%

    LKR 1,103,500 · +103,500· check rate

  13. 13
    Dialog FinanceFixed Deposits

    11.50%

    LKR 1,103,500 · +103,500· check rate

  14. 14
    HNB FinanceFixed Deposits

    11.50%

    LKR 1,103,500 · +103,500

  15. 15
    LB FinanceFixed Deposits

    11.50%

    LKR 1,103,500 · +103,500· check rate

  16. 16
    MBSL FinanceFixed Deposits

    11.50%

    LKR 1,103,500 · +103,500· check rate

  17. 17
    Vallibel FinanceFixed Deposits

    11.50%

    LKR 1,103,500 · +103,500

  18. 18
    NDB BankSpecial Deposit Account

    11.00%

    LKR 1,099,000 · +99,000· check rate

  19. 19
    SDB BankFixed Deposit

    11.00%

    LKR 1,099,000 · +99,000· check rate

  20. 20
    Singer FinanceStandard Fixed Deposits

    11.00%

    LKR 1,099,000 · +99,000

  21. 21
    Asia Asset FinanceFixed Deposits

    10.88%

    LKR 1,097,920 · +97,920

  22. 22
    Alliance FinanceFixed Deposit

    10.50%

    LKR 1,094,500 · +94,500· check rate

  23. 23
    CBC FinanceFixed Deposits

    10.50%

    LKR 1,094,500 · +94,500· check rate

  24. 24
    DFCC BankFixed Deposit

    10.50%

    LKR 1,094,500 · +94,500· check rate

  25. 25
    Cargills BankCargills Bank Fixed Deposit

    10.00%

    LKR 1,090,000 · +90,000· check rate

  26. 26
    CDB FinanceCDB Fixed Deposit

    10.00%

    LKR 1,090,000 · +90,000· check rate

  27. 27
    Commercial BankFixed Deposits

    10.00%

    LKR 1,090,000 · +90,000· check rate

  28. 28
    HNB BankFixed Deposits

    10.00%

    LKR 1,090,000 · +90,000· check rate

  29. 29
    NDB BankNDB Bank Fixed Deposit

    10.00%

    LKR 1,090,000 · +90,000· check rate

  30. 30
    NTB BankFixed Deposits

    10.00%

    LKR 1,090,000 · +90,000· check rate

  31. 31
    RDB BankRDB Fixed Deposits

    10.00%

    LKR 1,090,000 · +90,000· check rate

  32. 32
    Sampath BankFixed Deposits

    10.00%

    LKR 1,090,000 · +90,000· check rate

  33. 33
    Sampath BankCERTIFICATE OF DEPOSIT

    10.00%

    LKR 1,090,000 · +90,000· check rate

  34. 34
    Senkadagala FinanceFixed Deposit Accounts

    10.00%

    LKR 1,090,000 · +90,000· check rate

  35. 35
    Seylan BankRegular Fixed Deposit 2-60 months

    10.00%

    LKR 1,090,000 · +90,000· check rate

  36. 36
    UB FinanceFixed Deposits

    10.00%

    LKR 1,090,000 · +90,000· check rate

  37. 37
    Janashakthi FinanceFixed Deposits

    9.94%

    LKR 1,089,460 · +89,460· check rate

  38. 38
    Mahindra Ideal FinanceFixed Deposits

    9.75%

    LKR 1,087,750 · +87,750· check rate

  39. 39
    Seylan BankFlexi Fixed Deposit

    9.75%

    LKR 1,087,750 · +87,750· check rate

  40. 40
    Siyapatha FinanceFixed Deposits

    9.75%

    LKR 1,087,750 · +87,750· check rate

  41. 41
    Amãna BankLKR Term Investment Account

    9.50%

    LKR 1,085,500 · +85,500· check rate

  42. 42
    HDFC BankFixed Deposits

    9.50%

    LKR 1,085,500 · +85,500· check rate

  43. 43
    Sampath BankSampath Sanhinda Fixed Deposits

    9.50%

    LKR 1,085,500 · +85,500· check rate

  44. 44
    LOLC FinanceGeneral Fixed Deposit Accounts

    9.00%

    LKR 1,081,000 · +81,000· check rate

  45. 45
    PABC BankFixed Deposits

    9.00%

    LKR 1,081,000 · +81,000· check rate

  46. 46
    People's Leasing & FinanceSenehasa Minor FD

    9.00%

    LKR 1,081,000 · +81,000· check rate

  47. 47
    Union BankFixed Deposits

    9.00%

    LKR 1,081,000 · +81,000

  48. 48
    Sampath BankKalin Cash

    8.67%

    LKR 1,078,030 · +78,030· check rate

  49. 49
    AMF CompanyFixed Deposits

    8.50%

    LKR 1,076,500 · +76,500· check rate

  50. 50
    HDFC BankVishrama Udana Fixed Deposit

    7.75%

    LKR 1,069,750 · +69,750· check rate

  51. 51
    MCB BankTerm Deposits

    7.35%

    LKR 1,066,150 · +66,150· check rate

  52. 52
    NSB BankFixed Deposits

    7.25%

    LKR 1,065,250 · +65,250· check rate

  53. 53
    NSB BankNational Savings Certificate

    6.75%

    LKR 1,060,750 · +60,750· check rate

  54. 54
    SBI BankFixed Deposit

    6.75%

    LKR 1,060,750 · +60,750· check rate

Banks vs finance companies for 12 months (1 year)

Licensed banks

Best
12.00%
Average
9.41%
Offers
25

Top: Cargills Bank

Finance companies

Best
13.50%
Average
11.08%
Offers
29

Top: Richard Pieris Finance

Higher rates usually come with higher risk. Finance companies typically pay more than banks; before you deposit, confirm the institution is licensed by the Central Bank of Sri Lanka, check its credit rating, and keep deposits within the deposit insurance limit where you can. Read our safe investing guide.

Compare other terms

Nearby terms

6 months FD rates

Best 11.50% · average 9.49% · -2.00 pts vs this term

24 months (2 years) FD rates

Best 15.00% · average 11.22% · +1.50 pts vs this term

  • 1 month

    11.12%

    UB Finance

  • 3 months

    11.41%

    UB Finance

  • 6 months

    11.50%

    Richard Pieris Finance

  • 1Y · 12M

    13.50%

    Richard Pieris Finance

  • 2Y · 24M

    15.00%

    Softlogic Finance

  • 3Y · 36M

    15.50%

    Softlogic Finance

  • 4Y · 48M

    15.50%

    Softlogic Finance

  • 5Y · 60M

    16.00%

    Softlogic Finance

See every rate in one table

Explore fixed deposit rates

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  • Senior citizen FD rates
  • Bank FD rates
  • Finance company FD rates
  • FD rate history
  • Fixed deposit guide
  • FD calculator

Frequently asked questions

What is the best 12 months (1 year) FD rate in Sri Lanka?

Richard Pieris Finance currently pays the highest 12 months (1 year) rate we track, 13.50% p.a. LKR 1,000,000 deposited for 12 months (1 year) returns LKR 1,121,500 after 10% AIT.

Which bank pays the most for a 12 months (1 year) fixed deposit?

Among licensed banks, Cargills Bank leads at 12.00%. The best finance company rate is 13.50% from Richard Pieris Finance.

What is the average 12 months (1 year) FD rate?

The average across 54 deposits is 10.31% and the median is 10.00%. 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.

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Rates are collected from published sources and can change without notice. AnyBanq is a comparison service, not a bank, and nothing here is financial advice — confirm terms with the institution before you deposit or borrow.

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